In an effort to improve people’s quality of life, the Indonesian government has launched the Public Housing Savings (Tapera) program. This program aims to provide better housing access for people, especially those with low incomes.
Tapera is a savings program that every formal worker in Indonesia must participate in. Every month, a small portion of the worker’s salary will be deducted and deposited in the Tapera account. The funds collected will then be used to finance the construction of affordable housing for the community.
One of the advantages of the Tapera program is that it provides collective financing. With donations from all participants, the funds collected will be larger and can be used to build better housing. Apart from that, this program also provides certainty in housing financing, so that people do not need to worry about rising prices or difficulty in getting a loan.
Meanwhile, Member of the Indonesian Ombudsman, Yeka Fatika, said that the Public Housing Savings (Tapera) program is very useful for helping finance housing for Low Income Communities (MBR) by reducing Home Ownership Credit (KPR) installments. The Tapera program is also a manifestation of the government’s enthusiasm for providing housing for MBR.
In the long term, Tapera is expected to improve people’s quality of life. By having their own home, people will feel safer and more comfortable. They don’t have to worry about losing their place to live or having to pay expensive rent every month. Apart from that, owning a house also provides a sense of belonging and pride, which will ultimately increase people’s welfare and happiness.
Apart from benefits for society, the Tapera program also has a positive impact on the national economy. With this program, the property sector will experience significant growth. The demand for affordable housing will increase, thereby driving the growth of the construction industry and other related sectors. This will create new jobs and increase people’s income.
Presidential Chief of Staff, Moeldoko, said the Tapera program was present as a concrete solution to overcome the housing backlog and provide access to home ownership for millions of Indonesians who need it. The Commissioner of BP Tapera, Heru Pudyo Nugroho, said that Tapera was a concrete manifestation of the government’s commitment to overcoming the housing crisis and providing opportunities for all levels of society to own a home in the future.
Meanwhile, to run the Tapera program well, the government needs to take various strategic steps. First, the government must carry out intensive outreach to the public regarding the benefits and mechanisms of this program. Many people do not fully understand Tapera, so effective outreach will be the key to the success of this program.
Apart from that, the government also needs to ensure that there are clear regulations that support the implementation of the Tapera program. Good regulations will provide legal certainty for program participants and minimize the risk of misuse of funds. The government also needs to carry out strict supervision over the use of Tapera funds, to ensure that these funds are used appropriately and efficiently.
Apart from the steps above, the government also needs to work together with the private sector and financial institutions to support the Tapera program. This collaboration can take the form of providing banking facilities that make it easier for participants to access and manage Tapera funds. Apart from that, the private sector can also play a role in the development of affordable housing, by contributing in the form of land or capital.
In implementing the Tapera program, the government needs to pay attention to several challenges that may arise. One of them is resistance from some people who feel that the burden of cutting their salaries is too large. To overcome this, the government needs to carry out effective communication and provide a clear understanding of the long-term benefits of this program.
Furthermore, the government also needs to pay attention to the sustainability aspects of the Tapera program. This program must be able to survive in the long term and not just be a temporary program. To achieve this, the government needs to periodically evaluate this program, and make necessary improvements and adjustments.
Ultimately, Tapera is a step forward in the government’s efforts to provide decent and affordable housing for the community. However, the impact on the quality of life and people’s welfare will depend greatly on how this program is implemented, as well as how the government integrates it with other policies that support improving people’s welfare holistically.
With careful planning, transparent and accountable implementation, and active involvement of various stakeholders, Tapera has the potential to become a catalyst for improving the quality of life and welfare of the Indonesian people on a broad and sustainable basis.
Overall, the Tapera program is a positive step in improving people’s quality of life. With better access to housing, people will feel safer, more comfortable and have a higher sense of belonging. This program also has a positive impact on the national economy, by encouraging growth in the property sector and creating new jobs. With the right strategic steps, the Tapera program can be an effective solution in overcoming housing problems in Indonesia.
