The Constitutional Court (MK) has approved the full judicial review of Law No.4/2016 on the People’s Housing Savings (Tapera), requiring that Tapera be restructured within a maximum of two years after the decision is announced.
Constitutional Court Justice Enny Nurbaningsih said that the two-year transition period is entrusted to the Tapera Management Agency (BP Tapera). “During the next two years, the Tapera Law will continue to be implemented following this ruling,” she said, adding that the court encourages revisions to the law in line with its original legislative intent.
“In the transition process, BP Tapera may determine and regulate the transition after the ruling, including matters related to contributions,” Enny noted in a statement to the media on Monday, September 29, 2025.
Previously, the MK had ruled that the Tapera Law contradicted the 1945 Constitution and lacked binding legal force if restructuring was not carried out.
The decision refers to the mandate of Article 124 of Law No. 1 /2011 on Housing and Settlement Areas. “Law Number 4/2016 on the People’s Housing Savings remains valid and must be restructured within a maximum of two years from the date the ruling is pronounced,” Chief Justice Suhartoyo said during the session at the Constitutional Court’s Main Courtroom on Monday.
This ruling marks a significant step in ensuring that Tapera operates in accordance with constitutional and regulatory requirements while providing a clear timeframe for necessary adjustments.
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