The People's Housing Savings Program (Tapera) is a financing program established by the Indonesian government to assist low-income individuals in purchasing, renovating, or building homes.
Funding is sourced from accumulated participant savings, investment returns on participant savings, participant loan repayments, assets from civil servant (ASN) housing savings, waqf funds, and other funds.
Based on Law No. 4 of 2016 concerning People's Housing Savings, every worker and independent worker earning at least the minimum wage is mandated to participate in Tapera.
However, the number of participants remains low.
According to the latest *Tapera Program Management Report*, released at the end of 2022, there were only approximately 3.89 million active Tapera participants, with the majority being civil servants (ASN).
The following details the number of active Tapera participants as of December 31, 2022, by employment status:
* Veteran Civil Servants (PNS): 3,646,438 individuals
* New Civil Servants (CPNS/PPPK): 218,956 individuals
* State-Owned Enterprise (BUMN) Employees: 22,418 individuals
* Public Legal Entity (BHP) Employees: 348 individuals
Tapera financing facilities are only provided to participants classified as low-income earners, with a maximum monthly salary of Rp8 million for non-Papua regions, or Rp10 million for Papua.
Tapera participants not falling into this category can benefit from the return of their savings plus investment returns, which will be disbursed at the end of their participation or upon retirement.