Identity & family
Indonesian citizens aged 17 or older, or who are or have been married, can apply for KTP-el through Dukcapil. Prepare the Family Card and attend biometric recording in person. Issuing population documents is free; service locations and completion times depend on the area. A KTP-el is valid for life, and once requirements are complete Dukcapil must issue it within 1 hour and no later than 24 hours, except when the network or equipment fails.
First KTP-el: Indonesian identity-card requirements ↗A Kartu Keluarga, usually called KK, records household members and their details. Choose the Dukcapil service for your actual reason: a new household, changed information, or replacement of a lost or damaged document. Supporting evidence depends on the change. A KK sent as a PDF with an electronic signature (QR code) is valid when you print it yourself on A4 80 gsm HVS paper.
Family Card (KK): new households, changes and replacements ↗Identitas Kependudukan Digital (IKD) uses the official app and verification by Dukcapil. Prepare your phone, accessible email and active number. Registering on the phone alone does not complete activation; follow the official verification and QR steps.
Activate IKD: Indonesia’s digital population identity ↗For an Indonesian citizen child born in Indonesia, apply through the relevant district/city Dukcapil service. Prepare birth evidence, family details, identity and marriage documents appropriate to the circumstances. Forms and submission channels vary locally. Discuss incomplete documents rather than assuming the birth cannot be registered. A birth must be reported within 60 days; after that the certificate is still issued on the decision of the head of the local Dukcapil office, without a court order.
Register a child’s birth with Dukcapil ↗The Indonesian Police issue SKCK certificates. Online registration now uses the Presisi Super App, as the old SKCK registration portal has closed. Prepare identity documents for your purpose; the certificate is valid for six months. Since Police Regulation 1/2026 took effect on 20 May 2026, SKCKs are issued electronically through the police digital services app, each for one purpose and one destination country, and applicants must be active JKN members.
How to apply for an Indonesian SKCK police certificate ↗Muslim marriages are registered through KUA; other couples use civil registration under applicable rules. The minimum marriage age is 19 for both parties, with court dispensation for an exception. Divorce requires court proceedings; plan for court charges and children’s rights.
Marriage and divorce in Indonesia ↗Marriage to a foreign national does not automatically swap passports, confer a spouse’s passport or change citizenship. Register the marriage with the competent authority, then the foreign spouse may assess family visa E31A and residence permission. New citizenship requires a separate legal process; check both countries’ laws. One exception: an Indonesian can lose Indonesian citizenship if the spouse’s country automatically confers its nationality on marriage; they may declare that they wish to remain Indonesian after 3 years of marriage, unless this would create dual nationality (Law 12/2006, Article 26). Muslim couples register the marriage at the KUA; other couples marry under their religion and then register with the civil registry (Disdukcapil).
Indonesian–foreign marriage guide ↗Indonesia has no single will form suitable for every family. Islamic, civil or customary inheritance rules may apply; heirs’ rights and will formalities need review. A power of attorney authorises specified acts while the grantor has legal authority; it is not a substitute for inheritance or elder-care rules.
Wills, inheritance and powers of attorney in Indonesia ↗Tell a typing error apart from a legal change of name. A name change needs an order from the District Court (Pengadilan Negeri) where you live, and must be reported to Dukcapil within 30 days of receiving the order (Law 23/2006 Article 52); Dukcapil adds a margin note to the certificate free of charge. The passport is then replaced, with approval from the Director General of Immigration (Immigration Regulation 11/2026), and the driving licence and bank records are updated.
Change your name on Indonesian ID, passport and licence ↗After a death, obtain the death statement from the appropriate facility or authority, report it to Dukcapil for a death certificate and update the Family Card. Use those records for bank, employment-insurance and inheritance processes separately. No single national service settles all matters automatically.
Death registration and family support in Indonesia ↗Indonesian and other foreign nationals in the UK face separate passport, immigration and domestic-record updates. Ask your embassy how to change the foreign passport; the Home Office normally expects a passport or national ID in the new name before changing an eVisa. For records in England and Wales, you may make an unenrolled deed poll free with two adult witnesses. A paid PDF is optional and acceptance varies.
Change your name in the UK with an Indonesian or foreign passport ↗Health & protection
Mobile JKN provides BPJS Kesehatan membership administration and participant services. Creating an app account is different from enrolling in JKN. Online queues require active membership and a facility connected to the supported queue system. Coverage stops if the contribution is not paid by the end of the month; to reactivate, pay the arrears (up to 24 months) plus the current month, or change your membership category through PANDAWA on 0811-8-165-165.
Mobile JKN: check BPJS membership and book a queue ↗BPJS Kesehatan runs JKN for healthcare under its referral rules. BPJS Ketenagakerjaan runs employment-related protection such as JHT, JKK, JKM, JP and JKP. These are separate systems; contribution and benefit rules depend on membership type. For private-sector employees, salary deductions for BPJS are 1% for JKN, 2% for JHT and 1% for JP (each with a wage cap); the employer pays the rest.
Indonesian social insurance explained ↗Indonesia's BPJS Law requires everyone, including foreigners who work in Indonesia for at least six months, to join the social security programmes. Employers register foreign workers with BPJS Kesehatan (the JKN health scheme) and BPJS Ketenagakerjaan; the JKN contribution for private-sector employees is 5% of wages, 4% paid by the employer and 1% by the worker. For self-registration, BPJS Kesehatan asks foreigners for a passport and work permit, with contributions of Rp150,000 (Class I) or Rp100,000 (Class II) per person per month; the Class III contribution is Rp42,000, of which the government pays Rp7,000 for self-paying Class III members, so the member pays Rp35,000.
BPJS for foreigners: JKN health cover, BPJS Ketenagakerjaan, documents and contributions ↗The free health check (Cek Kesehatan Gratis, CKG) is a no-cost health check from the Ministry of Health for every age group, from newborns to older people, and is open to people with or without JKN (BPJS Kesehatan) health insurance. Since Health Minister Decree HK.01.07/MENKES/84/2026 took effect on 9 February 2026, you no longer have to wait for your birthday: you can choose any date, at most once a year, by booking in the SATUSEHAT Mobile app, through the official Ministry of Health WhatsApp number 0811-1050-0567, or by going to a puskesmas with your KTP, child ID card (KIA) or family card (KK). Children aged 7–17 are checked at school through CKG Sekolah.
Indonesia’s free health check (CKG): who can take part, booking on SATUSEHAT Mobile and acting on your results ↗Passports & travel
All Indonesia combines immigration, customs, health and quarantine declarations for people arriving from abroad by air or sea, including returning Indonesian citizens and foreign visitors. Complete it from three days before arrival through arrival day and save the QR code. For land borders, check the declaration channel used at your crossing. Since 1 October 2025, every passenger arriving from abroad at an airport or seaport must complete the arrival declaration through All Indonesia.
All Indonesia arrival card: declaration, QR code and costs ↗M-Paspor supports new Indonesian passport applications and ordinary replacements, appointment selection and payment codes. You still attend Immigration for original-document checks, photographs, biometrics and an interview. Consult the office about lost, damaged or mismatched passports.
Apply for or replace an Indonesian passport with M-Paspor ↗Choose an Indonesian visa for the activity you will actually undertake, not only for the intended stay length. A visit visa does not automatically permit work; a family visa is neither a passport nor citizenship. Check the Immigration catalogue and apply through official e-Visa. As of 25 September 2026, citizens of 19 countries and territories can visit visa-free for 30 days with no extension, and citizens of 97 countries and territories can use a visa on arrival (B1) costing Rp500,000 for 30 days, extendable once by 30 days.
Indonesian visa types for foreign nationals ↗“Nomad visa” is an informal label; check the official E33G second-home remote-worker category. Golden Visa routes include E28B for company establishment and E28C for capital-market investment. Required funds are distinct from the visa fee. E33G lasts one year, costs Rp7,000,000 in government fees and requires income of at least US$60,000 a year from a company outside Indonesia. Golden Visa investor and second-home routes last five or ten years and cost Rp13,000,000 or Rp19,500,000, separate from the investment or deposit, which usually has to be in place within 90 days.
Indonesia Golden and remote-worker visas ↗Indonesian travellers must check the destination, travel purpose, passport type and stay length. The European Commission lists a €90 adult short-stay Schengen fee; the US State Department lists US$185 for a B visitor visa. Eligible Indonesian e-passport holders need pre-registration for Japan’s visa waiver.
Overseas visas for Indonesian passport holders ↗A general passenger’s personal goods can receive up to USD500 customs-value relief per person per arrival when declared as required. Customs lists 10% duty on the excess plus 12% VAT on an 11/12 tax base for non-luxury goods. IMEI registration itself is free, but import taxes may still apply.
Overseas electronics tax and IMEI registration ↗Cats and dogs travelling between islands or provinces need a vaccination record, a protective rabies antibody titre result and a veterinary certificate from the provincial or district/city veterinary authority where the trip starts. Report the trip through PTK Online, hand the animal to quarantine officers at the departure airport or port, and report it again on arrival. The quarantine physical-inspection fee for a dog or cat moving between areas is Rp10,000 per animal plus Rp5,000 per certificate, paid with a billing code. Bali's agriculture office still lists the governor's regulation closing entry and exit of dogs, cats and monkeys, so ask Bali Quarantine before planning any trip to or from Bali.
Taking a cat or dog between Indonesian islands or abroad: quarantine rules and fees ↗KITAS and KITAP are the cards for Indonesia's limited stay permit (ITAS) and permanent stay permit (ITAP). A first ITAS usually comes from a limited-stay visa applied for through e-Visa; that application also counts as the application for the ITAS and a re-entry permit, and the card is issued in virtual form. Extensions and conversions are filed through Immigration's application and must be paid before the permit expires. Overstaying costs Rp1,000,000 a day for under 60 days; 60 days or more leads to deportation and an entry ban.
KITAS and KITAP stay permits: extensions, conversion, fees and overstay ↗Foreign tourists entering Bali must pay a levy of Rp150,000 per person, cashless and ideally before arrival, through the official Love Bali website or app (lovebali.baliprov.go.id). It is based on Bali Regional Regulation (Perda) 6/2023 as amended by Perda 2/2025, with payment procedures in Bali Governor Regulation (Pergub) 2/2024 as amended by Pergub 25/2025. After paying, you receive a QR voucher by email, which can be scanned at arrival gates, at hotels or attractions registered as endpoints, or in spot checks. KITAS/KITAP holders, diplomatic or official visa holders, transport crew, family-reunion visa holders and student visa holders are exempt without applying; Golden Visa holders and holders of other non-tourist visas must apply for exemption on Love Bali at least five days before arrival. Payments are not refundable, except a duplicate payment for the same arrival date.
Bali foreign tourist levy (Rp150,000): paying on Love Bali, exemptions and checks ↗Since September 2025, hajj and umrah have been handled by the Ministry of Hajj and Umrah (Kemenhaj), whose official website is haji.go.id, rather than the Ministry of Religious Affairs (Presidential Regulation 92/2025). Pilgrims use an ordinary passport applied for through M-Paspor, must be vaccinated against meningococcal meningitis and polio with an International Certificate of Vaccination (ICV) booked through the Ministry of Health’s SINKARKES system, and should check that the travel agency is licensed as a PPIU (umrah) or PIHK (special hajj) before paying. Problems with an agency can be reported to Kemenhaj’s WhatsApp Center on +62 823 1101 4646 or pengaduan@haji.go.id.
Hajj and umrah paperwork in Indonesia: the new ministry, passports, meningitis vaccine and agency licences ↗Social assistance
Use cekbansos.kemensos.go.id to check assistance information. When reviewed, the official form requested a 16-digit NIK and verification code. It uses DTSEN data; a household’s decile indicates its welfare grouping, not an automatic decision to award assistance. For PKH and BPNT assistance in 2027, Kemensos has also opened re-registration through Perlinsos Digital (perlinsos.kemensos.go.id, sign-in with IKD); registering does not guarantee assistance.
Check Indonesian social assistance through Cek Bansos ↗SP4N-LAPOR! receives public-service complaints, suggestions and information requests through lapor.go.id, SMS 1708 or the app. Since 2026 it runs two versions: version 4.0 for 10 bodies (PLN, KAI, Pertamina, KemenPANRB, the Home Affairs Ministry, the Marine Affairs Ministry, NTB and West Java provincial governments, Malang City and Tangerang Regency) and version 3.5 for more than 700 other bodies and police matters. Reports are verified within 3 days, the agency acts and replies within 5 days, and you can respond to the reply within 10 days.
Submit a public-service complaint through SP4N-LAPOR! ↗As of 14 October 2026 the government has announced a 2026 wage subsidy (BSU) of Rp300,000 a month for three months, paid in one go (Rp900,000), for about 13.3 million workers, but the ministerial regulation and payment dates have not been issued. The only confirmed criteria are those of the 2025 round under Manpower Minister Regulation 5/2025, such as active BPJS Ketenagakerjaan membership and a wage of no more than Rp3,500,000. You do not register for BSU yourself and there is no fee; the list of candidates comes from BPJS Ketenagakerjaan.
Indonesia’s 2026 wage subsidy (BSU): status, 2025 rules and official checks ↗Indonesia’s main social assistance (bansos) schemes in 2026 are PKH and Sembako (BPNT) from the Ministry of Social Affairs (Kemensos), government-paid BPJS Kesehatan contributions (PBI JK), PIP for school pupils, KIP Kuliah for university students, village cash aid (BLT Desa) from the Village Fund, and rice aid. Almost all of them use the National Socio-Economic Single Data (DTSEN): the Cek Bansos portal says families in deciles 1–4 can be put forward for PKH and Sembako, and decile 5 for PBI JK. Being in a given decile does not mean you automatically receive anything, because each scheme has its own criteria, quota and route for proposals.
Indonesia’s social assistance programmes in 2026: PKH, Sembako, PBI JK, PIP, KIP Kuliah and village cash aid ↗A proposal (usul: putting yourself or someone else forward to be listed) and an objection (sanggah: disputing a recipient or data that are wrong) can be made through the Kemensos Cek Bansos app, through village or ward officials for discussion at the village or ward meeting, or at the regency or city social affairs office. Proposals are verified and validated by local government and Kemensos and then sent to BPS to update DTSEN and recalculate deciles, so nothing changes immediately. The rules on updating DTSEN involve no fees, and registration is only through the official app, perlinsos.kemensos.go.id, your village or ward office, or the social affairs office.
How to propose or challenge social assistance data in Indonesia: getting into DTSEN, updating your decile and avoiding fake links ↗Free Nutritious Meals (MBG) is a National Nutrition Agency (BGN) programme providing free nutritious food to pupils from early childhood education to secondary school, including Islamic boarding schools (pesantren), children under five from six months old, pregnant women, breastfeeding mothers, and teachers and education staff (Presidential Regulation 115/2025). Meals are cooked by Nutrition Service Units (SPPG) and delivered to schools, or distributed through community health posts (posyandu) for mothers and young children. If your child falls ill after eating, go to a community health centre (puskesmas) or emergency department straight away if there are danger signs, keep the leftover food, and report it to the school, the puskesmas and BGN’s call centre on 127.
Free Nutritious Meals (MBG) in Indonesia: who gets them, how SPPG kitchens work, and what to do if your child falls ill after eating ↗Everyday money
Start with the money actually available, essential needs, obligations and family goals. Compare the plan with real spending and review it regularly. Each allocation should reflect your household; one percentage formula will not fit everyone.
Make a household budget that fits your income ↗Check the lender in OJK’s Financial Institutions Directory (FIND). Match the legal entity and official channels to the app or offer. A company’s licence does not prove that every account using its name is genuine, or that a loan is affordable for you. As of 30 June 2026, 94 online lending (P2P) platforms were licensed by OJK; you can also check a licence through OJK’s contact line 157 or WhatsApp 081 157 157 157.
Check an online lender through OJK FIND ↗Immediately contact your bank or payment provider through its official channel and report the fraud at iasc.ojk.go.id. Keep transfer and conversation evidence, and file a police report. IASC coordinates financial handling; a report does not guarantee a successful freeze or refund.
Report financial transaction fraud to IASC OJK ↗In JMO, choose Jaminan Hari Tua, then Cek Saldo and the KPJ membership number to inspect. A displayed balance does not automatically mean it can all be withdrawn now. Claims depend on the reason, requirements and appropriate BPJS Ketenagakerjaan channel. After resigning or being dismissed, you can claim JHT once a 1-month waiting period has passed, and payment is due within 5 working days of a complete application; balances up to Rp15,000,000 can be claimed directly in JMO.
Check your JHT balance in JMO and choose a claim route ↗Indonesian citizens generally need a KTP-el, active phone number and employment or tax details if requested. BCA uses myBCA, BRI BRImo, Mandiri Livin and BNI wondr. Opening deposit, minimum balance and monthly fees depend on the account product. Under OJK Regulation (POJK) 8/2023, banks may verify identity in person, by live video call or electronically against population data and biometrics. Foreign nationals use a passport plus an immigration document such as a KITAS or KITAP. Since POJK 24/2025 took effect, an account with no deposit, withdrawal or balance check for more than 360 days becomes inactive.
Open a bank account in Indonesia ↗Before applying for a loan or credit card, assess repayments against net income, request your own OJK SLIK iDeb report and obtain written terms. Banks assess identity, income, payment history and internal risk; SLIK is neither a blacklist nor an approval guarantee.
Apply for bank loans and credit cards in Indonesia ↗A new individual taxpayer can register through Coretax DJP using their NIK, verify contact and identity details, and receive a digital NPWP by email. An existing taxpayer files an annual return by creating a personal tax-return draft, checking prefilled data, completing it and signing and submitting. Registration and filing are separate tasks.
Register for an Indonesian tax ID and file an annual return in Coretax ↗LPS guarantees eligible deposits up to Rp2 billion per depositor per bank. Eligibility follows the 3T test: recorded in the bank’s books, interest not above the LPS guarantee rate, and the depositor not suspected or proven to have committed fraud. From 1 October 2026 to 31 January 2027 the guarantee rate at commercial banks is 3.75% for rupiah and 2.00% for foreign currency (PENG-7/DSPB/2026).
How Indonesia’s LPS bank deposit protection works ↗A person can request their own debtor information through OJK iDebKu without a fee. Provide the required identity and email, complete verification and inspect the result. If a facility or status is wrong, contact the institution that reported it and keep evidence. iDeb is not one score that automatically approves or rejects a loan.
Check your Indonesian OJK iDeb SLIK credit record free ↗For a financial-product complaint, first report the problem to the bank, lender or insurer and keep the case number. If unresolved or there is suspected misconduct, use OJK’s APPK or Contact 157. An unresolved dispute may have a LAPS SJK route. For a recent scam transfer, contact the bank and IASC urgently instead of waiting for a routine complaint.
Complain about an Indonesian bank, lender or insurer to OJK ↗Online scams usually make you panic or get excited, then ask you to click a link, install an APK file, transfer money or hand over your OTP, PIN and passwords. If it has already happened, call your bank on an official number you look up yourself, report it at iasc.ojk.go.id and change the passwords of your important accounts from a safe device. Make a police report as well; reporting does not guarantee you will get your money back.
How to spot online scams in Indonesia: common patterns and what to do in the first hour ↗Playing gambling games run without a licence carries a penalty of up to 3 years in prison or a fine of up to Rp50 million under Article 427 of the new Criminal Code (KUHP), in force since 2 January 2026, while organisers face up to 9 years. If you or a family member want to stop, start by blocking access on your phone and bank accounts, then get support: the Ministry of Health’s Healing119.id is free on 119 extension 8. Gambling sites, accounts and phone numbers can be reported to Komdigi’s aduankonten.id, cekrekening.id and aduannomor.id.
Online gambling in Indonesia: the law, blocking it, reporting it and getting help ↗Investment scams usually promise high, guaranteed and quick profits, are vague about the product or business model, and are often promoted by public figures. Before paying in, apply the Legal and Logical principle: make sure the provider and product are licensed by the right authority (OJK, including for crypto assets since 10 January 2025, or Bappebti for commodity futures trading), and compare the returns with something reasonable such as a deposit account. Report illegal offers at sipasti.ojk.go.id; if money has already gone, contact your bank immediately and report it at iasc.ojk.go.id.
Investment scams in Indonesia: warning signs, checking legality and reporting ↗If your NIK (national identity number) or KTP photo has leaked or is being used by someone else, gather evidence, check your OJK iDeb SLIK credit report to see any credit recorded in your name, then complain about loans you never applied for to the lender and to Kontak OJK 157 or APPK at kontak157.ojk.go.id. Make a police report and use your rights under Law 27/2022 on Personal Data Protection to request access to, correction of and deletion of your data. As of 14 October 2026 we had not found the legal basis establishing the data protection supervisory body that the law requires.
Personal data leaked or misused in Indonesia: what to do if someone uses your NIK or KTP photo ↗Vehicles & licences
SINAR in Digital Korlantas supports driving-licence renewal. The SIM must still be valid. Prepare identity, photographs and the required examination results; SATPAS checks the application before issuance.
Renew an Indonesian driving licence online with SINAR ↗SIGNAL supports annual STNK validation with vehicle-tax and SWDKLLJ payments where the service is supported. Register the account and vehicle, review the details and bill, then use the official payment channel. The five-year process involving a physical vehicle check follows a different Samsat route.
Pay annual vehicle tax and validate STNK with SIGNAL ↗After buying a used motorcycle or car, transfer the STNK and BPKB at Samsat. Since 5 January 2025 used-vehicle transfers no longer attract BBNKB, because Law 1/2022 on central and regional finance (HKPD) charges BBNKB only on a vehicle’s first transfer; the buyer still pays the police fees (PNBP) for the STNK, plates and BPKB, the PKB with its opsen, SWDKLLJ and any arrears. Bring identity, proof of sale, the original STNK and BPKB, and the vehicle for inspection.
Transfer used-vehicle ownership in Indonesia ↗Before financing a motorcycle or car, request the cash price, deposit, all instalments, fees, insurance and late-payment consequences. The lender must explain its contract; vehicle cover differs from personal accident protection and Jasa Raharja.
Vehicle finance and insurance in Indonesia ↗Check a suspected electronic traffic fine at konfirmasi-etle.polri.go.id, not a random text-message link. Confirm within 8 days of the offence and pay through BRIVA within 15 days of the offence; after that the STNK is blocked. Police say genuine notices never require installing an APK file.
Check an Indonesian ETLE traffic notice safely ↗Periodic roadworthiness testing (KIR) is compulsory for public passenger cars, buses, goods vehicles (including privately owned pick-ups and trucks), trailers and semi-trailers under Law 22/2009 and Transport Ministerial Regulation 19/2021; private passenger cars are exempt. The registration test is due within 13 working days of the first STNK, the first periodic test a year later, then every 6 months. Proof is the test card (BLUe) and pass sticker; driving a vehicle that must be tested without them carries a fine of up to Rp500,000.
KIR vehicle inspections in Indonesia: who must test, schedule and checks ↗Police Regulation 5/2021 states that an international driving permit issued by another country is valid in Indonesia under the UN Convention on Road Traffic or other international agreements. Foreigners living in Indonesia can apply for a local licence (SIM) at a Satpas office with a passport and KITAP, or a KITAS if they work as experts or study, plus proof of active JKN membership, health and psychology tests, and theory and practical tests. The government fee is Rp120,000 for a new SIM A and Rp100,000 for a new SIM C; renewals cost Rp80,000 and Rp75,000.
Driving licences for foreigners in Indonesia: international permits, Satpas requirements, fees and renewal ↗Business & work
An NIB is the business identification number issued through OSS. Prepare the owner and activity details, follow the guide for your business type, and complete requirements based on activities and risk. Issuance of an NIB does not always complete every business permission.
Get a business identification number (NIB) through OSS ↗MagangHub is the Ministry of Manpower’s official internship portal, linked to SIAPKerja, for diploma, degree and professional graduates. Batch 3 of 2026 is open: company registration 27 September–22 October, participant registration 26 October–1 November, recruitment 1–10 November 2026, then an internship of up to 6 months. The government pays a monthly allowance equal to the local district minimum wage (UMK) under Ministerial Decision 252/2026.
Apply for MagangHub internships ↗JKP gives cash, job-market information and training to insured workers who lose their job through dismissal. Under Government Regulation 6/2025 the cash is 60% of the last reported wage, with the wage capped at Rp5,000,000 (so at most Rp3,000,000 a month), for up to 6 months. You need at least 12 months of contributions in the 24 months before dismissal, and the right lapses if you do not claim within 6 months of dismissal. Resignation, total permanent disability, retirement and death are excluded.
Claim Indonesian JKP job-loss benefits after dismissal ↗Employers must pay the religious holiday allowance (THR) to fixed-term (PKWT) and permanent (PKWTT) workers with at least one month of continuous service. Twelve months or more of service earns one month’s wage; shorter service earns months of service/12 × one month’s wage. THR must be paid in full, in rupiah and without instalments, no later than 7 days before the worker’s religious holiday. Late payment carries a 5% fine, which does not cancel the duty to pay THR.
THR religious holiday allowance: eligibility, calculation, the H-7 deadline and complaints ↗Indonesia has 18 public holidays and 8 collective leave days (cuti bersama) in 2027 under Joint Decree Nos. 1205, 3 and 2 of 2026 of the Ministers of Religious Affairs, Manpower and Administrative Reform (signed 15 September 2026), including Idulfitri on 10–11 March 2027 with collective leave on 9, 12 and 15 March. The days off left in 2026 are collective leave on Thursday 24 December and Christmas Day on Friday 25 December; 2026 has 17 public holidays and 8 collective leave days (Joint Decree Nos. 1497, 2 and 5 of 2025). Collective leave reduces workers’ annual leave under each employer’s rules and is optional for private employers; for civil servants it is set by a separate Presidential Decree.
Indonesian public holidays and collective leave 2026 and 2027: dates, leave rules and overtime pay ↗Each governor set the 2026 provincial minimum wage (UMP) with the PP 49/2025 formula: 2026 UMP = 2025 UMP + {inflation + (economic growth × alpha)} × 2025 UMP, with alpha between 0.50 and 0.90. The highest is Jakarta at Rp5,729,876 and the lowest West Java at Rp2,317,601 a month. The minimum wage is the floor for workers with less than one year of service and is measured on basic pay plus fixed allowances, not on take-home pay. Regencies and cities with their own minimum wage (UMK) use that higher figure. The 2027 UMP had not been set as of 1 October 2026.
Indonesia’s minimum wage in 2026: provincial UMP, city UMK and checking your pay ↗The DPR and the Government approved the Labour Protection Bill (RUU Pelindungan Ketenagakerjaan) in a DPR plenary session on 6 October 2026, but as of 14 October 2026 it had not been promulgated: it has no law number and the final text is not yet in the official legal databases. For contracts, wages, dismissal and severance today you still use the rules in force: Law 13/2003 as amended by Law 6/2023, together with PP 35/2021, PP 36/2021 and the JKP regulation. The new law’s start date and transition period can only be confirmed once the official text is promulgated.
Indonesia’s new Labour Protection Law 2026: status, the rules still in force and what to do now ↗An employment dispute, including one about dismissal, must first be negotiated in bipartite talks between the worker and the employer for no more than 30 working days. If that fails, either party registers it with the regency or city manpower office for mediation or conciliation (or arbitration for certain dispute types), and if the written recommendation is rejected the case can go to the Industrial Relations Court (PHI). There is no court fee at the PHI for claims worth less than Rp150,000,000.
Employment and dismissal disputes in Indonesia: bipartite talks, mediation and the Industrial Relations Court ↗Food and drink made by micro and small businesses (UMK) must be halal certified by 17 October 2026 under Government Regulation (PP) 42/2024, and the halal agency BPJPH says the obligation applies from 18 October 2026 with no postponement. Eligible micro and small businesses can use the free self-declare route through the SEHATI programme, supported by a halal process assistant (Pendamping PPH); the regular route for micro and small businesses costs Rp300,000 plus an inspection fee charged by a Halal Inspection Body. All applications are made online through SIHALAL (ptsp.halal.go.id) using your business identification number (NIB).
Halal certification for micro and small businesses: the 17 October 2026 deadline, the free route and applying through SIHALAL ↗Processed food made by a home-based food business and sold in labelled retail packs that keep for at least 7 days at room temperature needs an SPP-IRT, applied for through OSS, issued within 1 day if the data are complete and valid for 5 years. Products not on the SPP-IRT list of food types, such as foods under a mandatory Indonesian National Standard (SNI), foods with claims, foods needing special handling in production or distribution, or foods made on automatic machinery, must be registered with BPOM for an MD distribution number; since late May 2026 registration has cost Rp0 for micro and small businesses producing in Indonesia. Ready-to-eat food and food with a shelf life under 7 days need neither.
Food permits for micro and small businesses: SPP-IRT or BPOM MD, requirements, costs and checking a number ↗KUR (Kredit Usaha Rakyat, People’s Business Credit) in 2026 is governed by Coordinating Minister for Economic Affairs Regulation (Permenko) 1/2026, in force since 13 January 2026: super micro KUR of up to Rp10 million carries 3% effective interest a year, while micro KUR (over Rp10 million up to Rp100 million) and small KUR (over Rp100 million up to Rp500 million) carry 6% effective a year for production and export-oriented trade. For trade that is not export-oriented, the rate rises by 1% with each new loan agreement, and micro KUR is limited to 2 agreements. The basic requirements are a productive business running for at least 6 months, an NIB or business certificate and an electronic ID card; for loans of up to Rp100 million, lenders may not ask for additional collateral.
KUR 2026: Indonesia’s People’s Business Credit schemes, interest rates, limits, requirements and applying without a broker ↗A business with turnover of no more than Rp4.8 billion a year can pay a 0.5% final income tax on turnover under Government Regulation (PP) 55/2022 as amended by PP 20/2026 (in force from 22 April 2026), but the scheme is now open only to individuals, one-person limited companies (perseroan perorangan) and cooperatives; limited partnerships (CV), firms, ordinary limited companies (PT) and village-owned enterprises (BUMDes) already using it can continue only until their existing period ends. For individuals, the first Rp500 million of turnover in a year is not taxed and the old 7-year time limit has been abolished. The tax is paid by the business itself by the 15th of the following month using a billing code in Coretax, that payment counts as the monthly return, and income must still be reported in the annual tax return (SPT Tahunan).
Small business tax in Indonesia: the 0.5% final income tax, the Rp500 million exemption and paying in Coretax ↗Presidential Regulation (Perpres) 27/2026 on protecting the digital platform transport ecosystem, released on 8 October 2026, also covers food and goods delivery, but delivery fees still await a regulation from the Minister of Communication and Digital Affairs that had not been issued as of 14 October 2026. The Ministry of Micro, Small and Medium Enterprises (Kementerian UMKM) leads a three-ministry task force on implementation, while the relationship between merchants and platforms is governed by UMKM Ministry Regulation 3/2026: fees must be set out in the agreement, deductions that were not agreed are prohibited, and fee changes must be announced at least 90 days in advance. Merchants still need an NIB, halal certification for food and drink from micro and small businesses by the 17 October 2026 deadline, and an SPP-IRT or BPOM permit only for packaged products, not ready-to-eat meals.
Food merchants on delivery apps: Presidential Regulation 27/2026, partnership agreements and business permits ↗Education & children
Check Program Indonesia Pintar status in SIPINTAR (pip.kemendikdasmen.go.id) with the student’s NISN, NIK and a verification code. From the second semester of 2026, Ministerial Regulation 11/2026 abolished the separate nomination (SK Nominasi) and award (SK Pemberian) decrees: every recipient is listed in one recipient decree (SK Penetapan Penerima PIP) with the bank account marked active or not yet active. Money is transferred only to an active account, so recipients with an inactive account need to activate it at the distributing bank before Puslapdik’s deadline.
Check PIP school assistance: account status, activation and payout ↗KIP Kuliah assists prospective higher-education students with academic potential and limited means. For 2026 account registration, the portal accepts 2024–2026 school leavers who are not already active university students. Prepare NIK, NISN, NPSN and email, then follow an admission route. Opening an account is not an award; the university verifies eligibility after admission. As of 1 October 2026, account registration and the independent (mandiri) admission routes at state and private universities remain open until 31 October 2026; SNBP and SNBT have closed. According to the official portal, KIP Kuliah 2026 account registration closes on 31 October 2026. The legal basis is now Higher Education Minister Regulation 2/2026: the main recipients are applicants recorded in the DTSEN national socio-economic database as very poor to vulnerable (deciles 1–4); if not recorded, the parents’ or guardian’s income must not exceed the provincial minimum wage (UMP). ‘Eligible’ status only becomes an award after university registration and verification.
Apply for Indonesia’s KIP Kuliah higher-education support in 2026 ↗SPMB replaced PPDB under Minister of Primary and Secondary Education Regulation 3 of 2025, which also governs admissions for the 2026/2027 school year. Primary (SD), junior secondary (SMP) and senior secondary (SMA) schools use domicile, affirmative, achievement (not for SD) and transfer routes, while vocational schools (SMK) select on report cards, achievements and aptitude tests. Schedules, catchment areas and portals are set by regional governments: districts/cities for SD–SMP and provinces for SMA/SMK. The domicile route requires a Family Card (KK) issued at least one year before the registration date.
Enrol a child through SPMB: routes, quotas, age rules and the one-year KK rule ↗Report bullying to the class teacher, the guidance counsellor (guru BK) or the head teacher through the school’s complaints channel; Kemendikdasmen guidance recommends an initial response within 24 hours. Since 9 January 2026, Permendikdasmen 6/2026 on a Safe and Comfortable School Culture has revoked Permendikbudristek 46/2023, so the school TPPK teams and regional task forces have been replaced by regional working groups (Pokja). Violence that breaks the law, such as serious injury, threats, extortion or sexual violence, must be referred by the school to the Pokja and can also be reported directly to the police, a UPTD PPA or SAPA 129.
Bullying at school in Indonesia: warning signs, how to report it and what schools must do ↗PP 17/2025 (PP TUNAS) requires digital platforms to protect users under 18: children under 16 may only have accounts on low-risk services with parental consent, and social media is classed as high-risk. Since 28 March 2026, the eight platforms named by Komdigi have been deactivating accounts of children under 16 in stages, and the rules impose no penalty on children or parents. Report harmful content to the platform and to aduankonten.id, violence against or exploitation of children to SAPA 129 (phone 129 or WhatsApp 08-111-129-129), and crimes to the police on 110.
Keeping children safe online in Indonesia: PP TUNAS, parental controls and how to report ↗Use artificial intelligence (AI) tools as a study assistant, not a substitute for effort: the joint seven-ministry guidelines set on 12 March 2026 call copying AI output and passing it off as your own plagiarism, and ban AI in exams. Follow the teacher’s rules for each task, say which parts AI helped with, and check facts again because AI can be wrong. Do not enter your full name, address, phone number or school name into an AI platform, and remember that accounts for children under 18 need parental consent.
AI for pupils and parents in Indonesia: using it honestly and safely ↗Sekolah Rakyat are free boarding schools run by the Ministry of Social Affairs at primary, junior high and senior high level for children from extremely poor and poor families listed in the national socio-economic database (DTSEN), with all costs paid by the government (Presidential Regulation 120/2025). Pupils are found through outreach by the ministry and regional governments, prioritising families in deciles 1 and 2, and are then confirmed by the governor, regent or mayor; the ministry says there is no academic test, and we found no public online application form. Questions and complaints can go to the Ministry of Social Affairs on 171, and violence against children can be reported to SAPA 129.
Sekolah Rakyat boarding schools: who they are for, how pupils are selected, costs and how to raise concerns ↗Emergencies & environment
Preparing for a disaster starts with three things: check the risk at your location on BNPB’s InaRISK, follow BMKG early warnings and volcano alert levels on MAGMA Indonesia, then pack a go-bag and agree a family plan. Volcano alerts have four levels: Level I Normal, Level II Waspada (advisory), Level III Siaga (watch) and Level IV Awas (warning); at every level, keep out of the exclusion zone in the PVMBG recommendation and follow the local disaster agency (BPBD). If you feel a strong earthquake on the coast, do not wait for a siren: move away from the shore to high ground at once.
Disaster preparedness in Indonesia: floods, landslides, earthquakes, volcanoes and tsunamis ↗Civil registration documents lost or damaged in a disaster are replaced free of charge by the local Dukcapil office, which can set up service posts at the disaster site or in evacuation shelters; if your record is not yet in the database, Dukcapil issues a temporary identity letter (SKPTI). Government help, such as supplies funded by BNPB’s emergency fund, Ministry of Social Affairs compensation and house-repair grants, is based on official registration, so make sure you and your family are recorded at the shelter post, with your neighbourhood head (RT/RW) or at the village or ward office. If aid is late or never arrives, ask the post or the local disaster agency (BPBD) first, then complain through SP4N-LAPOR! or the Ombudsman.
After a disaster in Indonesia: replacing your KTP-el, family card and certificates, and getting help ↗ISPU (the Air Pollutant Standard Index) is a unitless number showing air quality: 0–50 Good, 51–100 Moderate, 101–200 Unhealthy, 201–300 Very Unhealthy and 301 or above Hazardous. Above 100, cut down on outdoor activity; above 200, stay indoors as much as possible, especially children, older people, pregnant women and anyone with asthma, lung disease or heart disease. If you have to go out, wear a respirator mask such as an N95 or KN95 that seals over your nose and mouth, and check the official reading on the Ministry of Environment’s ISPU portal.
Air quality and haze in Indonesia: what ISPU means, masks and protecting your family ↗In the rainy season and floods, four illnesses to watch for are leptospirosis from rat urine in flood water and mud, dengue fever from Aedes aegypti mosquitoes, diarrhoea from contaminated water and food, and flu and other respiratory infections. Get medical help promptly for a fever after contact with flood water, for dengue warning signs such as nose or gum bleeding, persistent vomiting, stomach pain or cold hands (even after the fever has gone down), for signs of dehydration, or for breathlessness. To prevent them, avoid flood water or wear rubber boots, do 3M Plus every week, wash your hands with soap, drink water boiled until it bubbles, and cover your coughs.
Rainy-season diseases in Indonesia: leptospirosis, dengue, diarrhoea and flu ↗Heat stroke is a medical emergency: body temperature climbs very high, sweating can stop, and the person becomes confused, has a seizure or collapses. Call 119 or go to A&E, and meanwhile move the person into the shade and cool them with wet cloths, cold compresses or a fan. Heat exhaustion is milder, with a headache, heavy sweating, pale clammy skin and nausea; treat it with rest somewhere cool, fluids and cooling the body, and see a health worker if the symptoms do not go away.
Extreme heat in Indonesia: signs of heat stroke, first aid and staying safe ↗If wells or water sources in your area are drying up, tell the village or urban ward (kelurahan) office or the regency or city disaster agency (BPBD) straight away; the national disaster agency BNPB asks people to report as soon as water becomes hard to get, so that clean water, usually brought by tanker, reaches the right places. In Jakarta, the BPBD points residents to Jakarta Siaga 112 in an emergency, and PAM Jaya customers whose supply is disrupted can ask for a tanker through the 1500 223 call centre. Keep water in clean, covered containers and boil drinking water, because contaminated water can spread diarrhoea, cholera, dysentery and typhoid.
Water shortages in Indonesia: emergency water, safe drinking water at home and complaining to the water company ↗Report any smoke or fire, however small, to the local disaster agency (BPBD) or fire service, as the national disaster agency BNPB advises; if fire is approaching homes, call 113 or 112. Clearing land by burning is banned by Law 32/2009 and, for smallholders and plantation companies, by Law 39/2014; since 2 January 2026 the penalty is up to 10 years in prison and/or a fine of up to category VI (Rp2,000,000,000) under Law 1/2026. A hotspot on a satellite map is not always a fire, and to protect your family from smoke, check the ISPU air quality reading and wear a respirator mask when you have to go out.
Forest and land fires in Indonesia: reporting fires, the ban on burning and protecting your family from smoke ↗Ride-hailing & couriers
Presidential Regulation (Perpres) 27/2026 on Protecting the Digital-Platform Transport Ecosystem was officially released on 8 October 2026. Drivers remain partners of the app companies under a Platform Partnership Agreement, and the app fee for passenger rides is capped at 8%, a rule already in force through a Transport Minister’s decree since 1 July 2026. Delivery fees for goods and food still await a regulation from the Minister of Communication and Digital Affairs, while partnership agreements are overseen by the Ministry of MSMEs. The full text was not yet in the official legal databases as of 14 October 2026, so details may still be added.
Presidential Regulation 27/2026 on ride-hailing: the 8% app fee, partner status and complaints ↗To carry passengers by motorbike, Transport Minister Regulation PM 12/2019 requires drivers to be in good health, hold a class C driving licence (SIM C), ride a motorbike of at least 110 cc with a valid vehicle registration (STNK), and use SNI-certified helmets and safety gear, among other things. App companies set their own extra requirements and documents, such as a police clearance certificate (SKCK), so also have your KTP-el, a bank account in your own name and a smartphone ready. Register only through the company’s official app or website: recruitment through links that ask for money or OTP codes, and buying or renting someone else’s account (an ‘akun joki’), will cost you and put you at risk.
Becoming a ride-hailing or courier driver: general requirements, documents and fake recruitment ↗Ride-hailing drivers and couriers who work as app partners join BPJS Ketenagakerjaan as non-wage workers (BPU): employment accident insurance (JKK) and death benefit (JKM) are compulsory, while the old-age savings scheme (JHT) is optional. The lowest contributions are Rp10,000 for JKK plus Rp6,800 for JKM a month, and for the transport sector both are cut by 50% for contributions from January 2026 to March 2027 (PP 50/2025), so you pay just Rp8,400. For illness and treatment outside work accidents you also need JKN from BPJS Kesehatan, for example class III at Rp35,000 per person a month.
BPJS for ride-hailing drivers and couriers: contributions, the 50% discount, joining and claiming ↗Partner ride-hailing drivers and couriers are individual taxpayers running a business, so they must register or activate their NIK as a tax number (NPWP) within one month of starting to take orders (Finance Minister Regulation 81/2024, Article 17(1)). Their service income can be taxed at a 0.5% final rate on turnover, but the first Rp500 million of turnover each year is tax-free (PP 55/2022 as amended by PP 20/2026), so many drivers pay no monthly tax. The income must still be recorded and declared in the annual tax return (SPT Tahunan) through Coretax by 31 March.
Tax for ride-hailing drivers and couriers: NPWP, the 0.5% final tax and filing your SPT ↗After a crash, call 119 for an ambulance and 110 for the police, then ask for a police report, because Jasa Raharja compensation and BPJS Ketenagakerjaan claims depend on it. For victims of collisions between two or more vehicles, pedestrians who are hit and hit-and-run victims, Jasa Raharja pays up to Rp20 million for treatment, Rp50 million on death and up to Rp50 million for permanent disability (Finance Minister Regulation 16/PMK.010/2017). If the accident happened while you were working and you are a BPJS Ketenagakerjaan member, report it to a branch office within 2×24 hours to claim employment accident insurance (JKK).
Accidents and safety for ride-hailing drivers: emergency steps, compensation and claims ↗Start with the app company’s complaint centre, which, according to the Ministry of Transportation’s account of Presidential Regulation 27/2026, must respond within 7 days, and keep the ticket number. If that fails, drivers can complain through SP4N-LAPOR! (lapor.go.id) to the Ministry of SMEs about partnership agreements, to the Ministry of Transportation (contact 151) about passenger fares and app fees, or to Komdigi about goods and food delivery, whose fee rules have not yet been issued. Passengers and customers can complain to the Ministry of Trade’s Directorate General of Consumer Protection and Trade Compliance or to the National Consumer Protection Agency (BPKN).
How to complain about ride-hailing and delivery apps: official routes for drivers and customers ↗