ANALISIS TERHADAP KEBIJAKAN TABUNGAN PERUMAHAN RAKYAT BAGI PEKERJA SWASTA DALAM PASAL 7 UNDANG UNDANG NO 4 TAHUN 2016

Abstract

This study aims to analyze Article 7 of Law Number 4 of 2016 concerning the Public Housing Savings Program (Tapera) from the perspective of the principle of legal certainty, with a focus on the obligations of private sector workers as Tapera participants. Using a normative juridical method, this study is based on an analysis of relevant laws and regulations and legal literature. The results indicate that although legal norms have formally established obligations, their implementation has not met the requirement of legal certainty due to unclear timing of implementation, minimal socialization, and the absence of mechanisms to protect workers' rights. This situation creates uncertainty and has the potential to harm Tapera participants. Therefore, more detailed and transparent implementing regulations are needed to ensure the principle of legal certainty can be fairly realized in the implementation of the Tapera program.