# Panduan Warga

> Panduan independen berbahasa Indonesia dan Inggris tentang layanan publik dan urusan sehari-hari di Indonesia: identitas, BPJS, paspor dan visa, bantuan sosial, pajak, kendaraan, rumah, pendidikan, serta uang. Setiap panduan memuat jawaban singkat, persiapan, langkah, biaya, hal yang sering terlewat, tanya jawab, dan tautan ke sumber resmi dengan tanggal pemeriksaan. Bukan situs pemerintah dan tidak memproses permohonan.

Independent Indonesian and English guides to Indonesian public services and everyday money. Each guide gives a direct answer, preparation, steps, costs, common problems, questions and dated official references. Not a government website.

Penerbit dan peninjau / Publisher and reviewer: [Kaiser Khan](https://panduanwarga.org/tentang/kaiser-khan/) · https://mrkaiserkhan.com/

## Cara mengutip / How to cite

- Kutip URL kanonis halaman HTML dan sebutkan tanggal "Diperiksa"; biaya dan persyaratan dapat berubah. / Cite the canonical HTML URL and its review date; fees and rules change.
- Untuk keputusan resmi, arahkan pembaca ke sumber instansi yang dicantumkan di setiap panduan. / Point readers to the agency sources listed on each guide for official decisions.
- Setiap panduan, kalkulator, dan halaman pajak kendaraan provinsi tersedia sebagai Markdown dengan menambahkan `index.md` pada URL-nya (contoh: https://panduanwarga.org/pajak-kendaraan/jawa-tengah/index.md). / Append `index.md` to any guide, calculator or province vehicle-tax URL for Markdown.
- Status program keringanan pajak kendaraan berubah menurut tanggal; sebutkan tanggal "per" saat mengutipnya. / Vehicle-tax relief status changes by date; cite it with its as-of date.

Cakupan / Coverage: 88 panduan × 2 bahasa, 13 kalkulator, 35 provinsi pajak kendaraan; 328 URL terindeks. / 88 guides in each language, 13 calculators, 35 province vehicle-tax pages; 328 indexable URLs.

## Berkas mesin / Machine-readable

- [Teks lengkap semua panduan (Markdown)](https://panduanwarga.org/llms-full.txt)
- [Sitemap](https://panduanwarga.org/sitemap.xml)
- [Atom feed (Indonesia)](https://panduanwarga.org/feed.xml) · [Atom feed (English)](https://panduanwarga.org/en/feed.xml)
- [Jawaban singkat](https://panduanwarga.org/jawaban-singkat/) · [Quick answers](https://panduanwarga.org/en/quick-answers/)
- [Kebijakan editorial](https://panduanwarga.org/kebijakan-editorial/) · [Editorial policy](https://panduanwarga.org/en/editorial-policy/) · [Koreksi / Corrections](https://panduanwarga.org/koreksi/)
- Data terbuka / Open data (CSV, CC BY 4.0): [Indonesian vehicle tax (PKB) rates and 2026 relief programmes by province](https://panduanwarga.org/data/pajak-kendaraan-provinsi-2026.csv) · [Indonesian provincial minimum wages (UMP) 2026](https://panduanwarga.org/data/upah-minimum-provinsi-2026.csv) · [Indonesian public holidays and collective leave 2026 and 2027](https://panduanwarga.org/data/hari-libur-nasional-2026-2027.csv) · [datapackage.json](https://panduanwarga.org/data/datapackage.json) · [https://panduanwarga.org/data-terbuka/](https://panduanwarga.org/data-terbuka/)

## Sedang berlaku per 2026-10-21 / Running as of 2026-10-21

Program keringanan pajak kendaraan / Vehicle-tax relief programmes:

- [Kalimantan Barat](https://panduanwarga.org/pajak-kendaraan/kalimantan-barat/) · [EN](https://panduanwarga.org/en/vehicle-tax/west-kalimantan/): Relaksasi Pajak Kendaraan Bermotor Kalimantan Barat Oktober 2026 (2026-10-01 – 2026-10-30)
- [Banten](https://panduanwarga.org/pajak-kendaraan/banten/) · [EN](https://panduanwarga.org/en/vehicle-tax/banten/): Bebas Denda PKB & Diskon Pajak Kendaraan (HUT ke-81 RI) (2026-08-18 – 2026-10-31)
- [Kalimantan Utara](https://panduanwarga.org/pajak-kendaraan/kalimantan-utara/) · [EN](https://panduanwarga.org/en/vehicle-tax/north-kalimantan/): Pemutihan Pajak Kendaraan Bermotor HUT ke-14 Provinsi Kalimantan Utara (2026-10-01 – 2026-10-31)
- [Kepulauan Bangka Belitung](https://panduanwarga.org/pajak-kendaraan/kepulauan-bangka-belitung/) · [EN](https://panduanwarga.org/en/vehicle-tax/bangka-belitung/): Program Pemutihan Denda Pajak Kendaraan Bermotor (PKB) dalam rangka HUT ke-81 RI (2026-08-01 – 2026-10-31)
- [Kepulauan Riau](https://panduanwarga.org/pajak-kendaraan/kepulauan-riau/) · [EN](https://panduanwarga.org/en/vehicle-tax/riau-islands/): Pemutihan Pajak Kendaraan Bermotor 2026 (2026-08-10 – 2026-10-31)
- [Lampung](https://panduanwarga.org/pajak-kendaraan/lampung/) · [EN](https://panduanwarga.org/en/vehicle-tax/lampung/): Program Keringanan Pajak Kendaraan Bermotor (PKB) dan BBNKB Tahun 2026 (2026-06-02 – 2026-10-31)
- [Nusa Tenggara Timur](https://panduanwarga.org/pajak-kendaraan/nusa-tenggara-timur/) · [EN](https://panduanwarga.org/en/vehicle-tax/east-nusa-tenggara/): Pengurangan PKB, BBNKB serta Pembebasan Sanksi Administrasi PKB (Pergub NTT Nomor 54 Tahun 2026; keringanan pascagempa Flores) (2026-09-01 – 2026-10-31)
- [Papua Barat](https://panduanwarga.org/pajak-kendaraan/papua-barat/) · [EN](https://panduanwarga.org/en/vehicle-tax/west-papua/): Program Relaksasi Pajak Daerah Tahun 2026: Pengurangan Pokok PKB dan BBNKB serta Penghapusan Sanksi Denda Administratif PKB (Keputusan Gubernur Papua Barat Nomor 144 Tahun 2026; for Hari Bhayangkara, Indonesian Independence Day and the Papua Barat provincial anniversary) (2026-07-01 – 2026-10-31)
- [Sumatera Selatan](https://panduanwarga.org/pajak-kendaraan/sumatera-selatan/) · [EN](https://panduanwarga.org/en/vehicle-tax/south-sumatra/): Pemutihan Pajak Kendaraan Bermotor Sumatera Selatan Oktober 2026 (2026-10-01 – 2026-10-31)
- [Bali](https://panduanwarga.org/pajak-kendaraan/bali/) · [EN](https://panduanwarga.org/en/vehicle-tax/bali/): Pembebasan Pokok PKB, Sanksi PKB dan Sanksi Opsen PKB ('Punya Tunggakan Pajak? Saatnya Bereskan!') (2026-09-09 – 2026-11-11)
- [Kalimantan Timur](https://panduanwarga.org/pajak-kendaraan/kalimantan-timur/) · [EN](https://panduanwarga.org/en/vehicle-tax/east-kalimantan/): Relaksasi Bebas Denda Pajak Kendaraan Bermotor (PKB) Tahun 2026 (2026-09-21 – 2026-11-22)
- [Jawa Timur](https://panduanwarga.org/pajak-kendaraan/jawa-timur/) · [EN](https://panduanwarga.org/en/vehicle-tax/east-java/): Pembebasan dan Keringanan Pajak Daerah Tahap II (Hari Jadi ke-81 Provinsi Jawa Timur) (2026-10-01 – 2026-11-30)
- [Kalimantan Selatan](https://panduanwarga.org/pajak-kendaraan/kalimantan-selatan/) · [EN](https://panduanwarga.org/en/vehicle-tax/south-kalimantan/): Diskon Pajak Daerah Kalimantan Selatan 2026 (2026-08-14 – 2026-11-30)
- [Jawa Tengah](https://panduanwarga.org/pajak-kendaraan/jawa-tengah/) · [EN](https://panduanwarga.org/en/vehicle-tax/central-java/): Jateng Bebas Sanksi Administratif dan Progresif (Pembebasan Sanksi Administratif PKB dan Pembebasan Progresif PKB) (2026-09-21 – 2026-12-28)
- [Sumatera Barat](https://panduanwarga.org/pajak-kendaraan/sumatera-barat/) · [EN](https://panduanwarga.org/en/vehicle-tax/west-sumatra/): Diskon Pajak Kendaraan Bermotor Mutasi Masuk dari Luar Sumatera Barat (also announced as Program Pemutihan Pajak Kendaraan Bermotor Sumatera Barat Tahun 2026) (2026-08-03 – 2026-12-31)
- [Sumatera Utara](https://panduanwarga.org/pajak-kendaraan/sumatera-utara/) · [EN](https://panduanwarga.org/en/vehicle-tax/north-sumatra/): Promo Tengah Tahun – Diskon Denda Pajak Kendaraan Bermotor hingga 57% (2026-07-01 – tanpa tanggal akhir / no end date)

## Paling dicari / Most searched (2026-10-01)

Pertanyaan populer dan halaman yang menjawabnya. / Popular searches and the page that answers each.

- Sertifikat halal UMKM: wajib mulai 18 Oktober 2026 / Halal certification for small businesses: due 17 October 2026: https://panduanwarga.org/panduan/sertifikat-halal-umkm/ · https://panduanwarga.org/en/guides/halal-certification-small-business/ ("sertifikat halal umkm", "batas sertifikat halal 17 oktober 2026", "sehati halal gratis")
- KIP Kuliah: daftar sampai 31 Oktober 2026 / KIP Kuliah: register by 31 October 2026: https://panduanwarga.org/panduan/kip-kuliah/ · https://panduanwarga.org/en/guides/kip-kuliah-higher-education-support/ ("daftar kip kuliah", "kip kuliah ditutup kapan", "syarat kip kuliah 2026")
- BSU 2026: status dan cara cek resmi / BSU wage subsidy 2026: status: https://panduanwarga.org/panduan/bsu/ · https://panduanwarga.org/en/guides/wage-subsidy-bsu/ ("bsu 2026", "bsu 2026 kapan cair", "cek bsu kemnaker")
- Aturan ojol 2026: potongan 8% / Ride-hailing rules 2026: 8% fee cap: https://panduanwarga.org/panduan/perpres-27-2026-ojol/ · https://panduanwarga.org/en/guides/ride-hailing-regulation-perpres-27-2026/ ("perpres 27 2026", "potongan ojol 8 persen", "aturan ojol terbaru")
- UU Pelindungan Ketenagakerjaan 2026 / New labour protection law 2026: https://panduanwarga.org/panduan/uu-pelindungan-ketenagakerjaan/ · https://panduanwarga.org/en/guides/new-labour-protection-law-2026/ ("uu pelindungan ketenagakerjaan", "ruu ketenagakerjaan disahkan", "uu ketenagakerjaan baru 2026")
- Pemutihan pajak kendaraan 2026 per provinsi / Vehicle tax amnesties 2026 by province: https://panduanwarga.org/pajak-kendaraan/ · https://panduanwarga.org/en/vehicle-tax/ ("pemutihan pajak kendaraan 2026", "pemutihan pajak kendaraan jawa barat 2026", "cek pajak kendaraan online")
- Libur nasional & cuti bersama 2027 / Public holidays 2026–2027: https://panduanwarga.org/panduan/hari-libur-nasional/ · https://panduanwarga.org/en/guides/indonesia-public-holidays/ ("libur nasional 2027", "cuti bersama 2027", "kalender 2027 tanggal merah")
- Cek bansos & cek desil DTSEN / Check social assistance and DTSEN decile: https://panduanwarga.org/panduan/cek-bansos/ · https://panduanwarga.org/en/guides/check-social-assistance/ ("cek desil", "cek bansos kemensos", "pkh tahap 4 2026")
- UMP 2026 & jadwal UMP 2027 / Minimum wage 2026 by province: https://panduanwarga.org/panduan/upah-minimum/ · https://panduanwarga.org/en/guides/indonesia-minimum-wage/ ("ump 2026", "ump 2027", "umk 2027")
- PIP 2026: cek dan besaran / PIP school assistance 2026: https://panduanwarga.org/panduan/pip/ · https://panduanwarga.org/en/guides/check-pip-education-assistance/ ("cek pip", "pip 2026 kapan cair", "pip 2026 berapa")
- MagangHub batch 3 2026 / MagangHub internships batch 3: https://panduanwarga.org/panduan/maganghub/ · https://panduanwarga.org/en/guides/maganghub-indonesia-internships/ ("maganghub batch 3", "magang kemnaker 2026")
- Biaya balik nama motor bekas / Used vehicle ownership transfer costs: https://panduanwarga.org/panduan/balik-nama-kendaraan/ · https://panduanwarga.org/en/guides/transfer-vehicle-ownership-indonesia/ ("biaya balik nama motor", "balik nama motor bayar berapa", "bbnkb kendaraan bekas")
- Kalkulator PPh 21 dan gaji bersih / PPh 21 net salary calculator: https://panduanwarga.org/kalkulator/pph-21-gaji-bersih/ · https://panduanwarga.org/en/calculators/pph-21-net-salary/ ("pph 21 berapa persen", "pph 21 ter")
- BSU 2026 (bantuan subsidi upah) / BSU wage subsidy 2026: https://panduanwarga.org/panduan/jaminan-sosial-indonesia/ · https://panduanwarga.org/en/guides/indonesian-social-insurance/ ("bsu 2026", "bsu kemnaker 2026")
- STNK Digital dan bayar pajak lewat SIGNAL / Digital STNK and paying vehicle tax with SIGNAL: https://panduanwarga.org/panduan/pajak-kendaraan-signal/ · https://panduanwarga.org/en/guides/vehicle-tax-signal/ ("stnk digital", "signal samsat", "samsat digital nasional")
- KPR subsidi FLPP 2026 / FLPP subsidised mortgages 2026: https://panduanwarga.org/panduan/kpr-flpp-tapera/ · https://panduanwarga.org/en/guides/subsidised-home-loan-flpp-tapera/ ("kpr subsidi", "flpp", "batas harga rumah subsidi 2026")
- Perpanjang paspor / Renew an Indonesian passport: https://panduanwarga.org/panduan/paspor/ · https://panduanwarga.org/en/guides/indonesian-passport-m-paspor/ ("perpanjang paspor", "biaya paspor 2026", "perpanjang paspor bawa apa saja")
- Cek BPJS Kesehatan aktif / Check BPJS Kesehatan status: https://panduanwarga.org/panduan/mobile-jkn/ · https://panduanwarga.org/en/guides/mobile-jkn-bpjs/ ("cek bpjs kesehatan aktif atau tidak", "mobile jkn")
- Cek saldo dan klaim JHT / Check and claim JHT: https://panduanwarga.org/panduan/jht-jmo/ · https://panduanwarga.org/en/guides/jht-balance-and-claims/ ("cek saldo jht", "klaim jht tanpa paklaring", "pencairan jht")
- KTP hilang dan KTP baru / Lost or new KTP-el: https://panduanwarga.org/panduan/ktp-el/ · https://panduanwarga.org/en/guides/first-indonesian-id-card/ ("ktp hilang", "cara membuat ktp")
- Cetak dan ubah Kartu Keluarga / Print or update the family card: https://panduanwarga.org/panduan/kartu-keluarga/ · https://panduanwarga.org/en/guides/family-card-kk/ ("cara cetak kk", "kk hilang")
- SKCK online / Police certificate (SKCK): https://panduanwarga.org/panduan/skck/ · https://panduanwarga.org/en/guides/police-clearance-skck/ ("skck online", "syarat perpanjang skck")
- Perpanjang SIM online / Renew a driving licence online: https://panduanwarga.org/panduan/perpanjang-sim-online/ · https://panduanwarga.org/en/guides/renew-driving-licence/ ("perpanjang sim online", "biaya perpanjang sim")
- Cek tilang ETLE / Check an ETLE traffic fine: https://panduanwarga.org/panduan/tilang-etle/ · https://panduanwarga.org/en/guides/check-etle-traffic-fine/ ("cek tilang elektronik", "cek tilang etle")
- Cek pinjol legal di OJK / Check a lending app with OJK: https://panduanwarga.org/panduan/cek-legalitas-pinjaman-online/ · https://panduanwarga.org/en/guides/check-online-lender-ojk/ ("cek pinjol ojk", "pinjol legal 2026")
- Cek BI checking (SLIK OJK) / Check your credit report (SLIK): https://panduanwarga.org/panduan/cek-ideb-slik/ · https://panduanwarga.org/en/guides/check-ojk-ideb-credit-record/ ("cek bi checking", "slik ojk")
- Lapor SPT dan Coretax / Tax registration and filing in Coretax: https://panduanwarga.org/panduan/pajak-coretax/ · https://panduanwarga.org/en/guides/coretax-tax-id-and-annual-return/ ("coretax login", "lapor spt tahunan")
- Biaya visa Jepang 2026 / Visas for Indonesians abroad: https://panduanwarga.org/panduan/visa-luar-negeri-wni/ · https://panduanwarga.org/en/guides/visas-abroad-for-indonesians/ ("visa jepang naik", "visa jepang berapa")
- KIP Kuliah 2026 / KIP Kuliah university aid: https://panduanwarga.org/panduan/kip-kuliah/ · https://panduanwarga.org/en/guides/kip-kuliah-higher-education-support/ ("kip kuliah 2026", "kip kuliah 2026 kapan dibuka")
- Pungutan wisatawan Bali / Bali tourist levy: https://panduanwarga.org/panduan/pungutan-wisatawan-bali/ · https://panduanwarga.org/en/guides/bali-tourist-levy/ ("bali tourist tax", "bali levy official website", "love bali")
- All Indonesia (kartu kedatangan) / All Indonesia arrival card: https://panduanwarga.org/panduan/all-indonesia/ · https://panduanwarga.org/en/guides/all-indonesia-arrival-card/ ("all indonesia arrival card", "indonesia arrival card vs evoa")
- Visa Indonesia untuk WNA / Indonesian visas for foreigners: https://panduanwarga.org/panduan/visa-indonesia-wna/ · https://panduanwarga.org/en/guides/indonesia-visas-for-foreigners/ ("indonesia visa on arrival cost", "indonesia visa on arrival official website")
- Bunga penjaminan LPS / LPS deposit guarantee rate: https://panduanwarga.org/panduan/jaminan-simpanan-lps/ · https://panduanwarga.org/en/guides/bank-deposit-protection-lps/ ("bunga penjaminan lps", "bunga deposito")
- Untuk WNA di Indonesia / Living in Indonesia as a foreigner: https://panduanwarga.org/panduan-wna/ · https://panduanwarga.org/en/living-in-indonesia/ ("kitas indonesia", "bpjs for foreigners")

## Untuk WNA / For foreigners

- [Panduan untuk WNA di Indonesia: visa, KITAS, BPJS, pajak, dan SIM](https://panduanwarga.org/panduan-wna/): WNA memerlukan visa yang sesuai dengan kegiatan yang benar-benar akan dilakukan, diajukan melalui e-Visa resmi.
- [Living in Indonesia as a foreigner: visas, KITAS, BPJS, tax and driving](https://panduanwarga.org/en/living-in-indonesia/): A foreigner needs a visa that matches the activity they will actually undertake, applied for through the official e-Visa portal.

## Panduan (Bahasa Indonesia)

### Identitas & keluarga

- [Cara membuat KTP-el pertama: syarat, perekaman, dan biaya](https://panduanwarga.org/panduan/ktp-el/): WNI yang berusia 17 tahun, sudah kawin, atau pernah kawin dapat mengurus KTP-el melalui layanan Dukcapil. Siapkan KK dan hadir sendiri untuk perekaman biometrik. Penerbitan dokumen kependudukan tidak dipungut biaya; lokasi layanan dan waktu selesai mengikuti daerah.
- [Mengurus Kartu Keluarga: perubahan data, KK baru, hilang, dan rusak](https://panduanwarga.org/panduan/kartu-keluarga/): Persyaratan KK mengikuti alasan pengurusan. Perubahan data memerlukan KK lama dan bukti perubahan; membentuk keluarga baru, pindah, pisah KK, serta kehilangan memiliki berkas yang berbeda. Gunakan layanan resmi Dukcapil daerah dan periksa ulang seluruh data setelah dokumen terbit.
- [Cara aktivasi IKD melalui Dukcapil dan menghindari penipuan](https://panduanwarga.org/panduan/ikd/): Identitas Kependudukan Digital atau IKD diaktifkan melalui aplikasi resmi dan verifikasi petugas Dukcapil. Siapkan ponsel, email, serta nomor aktif. Registrasi di ponsel belum berarti aktivasi selesai; ikuti verifikasi dan pemindaian QR pada layanan Dukcapil.
- [Cara mengurus akta kelahiran anak: syarat dan langkah Dukcapil](https://panduanwarga.org/panduan/akta-kelahiran/): Untuk pencatatan kelahiran anak WNI di Indonesia, ajukan pencatatan kelahiran melalui Dukcapil kabupaten/kota sesuai layanan yang berlaku. Siapkan keterangan kelahiran, data keluarga, identitas, dan dokumen perkawinan sesuai keadaan.
- [Cara membuat SKCK online dan di Polres: syarat, biaya, masa berlaku](https://panduanwarga.org/panduan/skck/): SKCK diterbitkan Polri. id yang telah menutup registrasi. Siapkan identitas dan berkas sesuai tujuan; SKCK berlaku enam bulan sejak diterbitkan.
- [Cara menikah dan bercerai di Indonesia: KUA, Dukcapil, pengadilan](https://panduanwarga.org/panduan/nikah-cerai/): Perkawinan dicatat melalui KUA bagi pasangan Muslim atau pencatatan sipil bagi pasangan lain sesuai ketentuan. Usia minimum perkawinan 19 tahun bagi laki-laki dan perempuan, dengan dispensasi pengadilan untuk pengecualian. Perceraian diputus melalui pengadilan; biaya perkara dan hak anak perlu dipersiapkan.
- [WNI menikah dengan WNA: syarat, visa pasangan, kewarganegaraan, paspor](https://panduanwarga.org/panduan/nikah-wni-wna/): Menikah dengan WNA tidak otomatis menukar paspor, memberikan paspor pasangan, atau mengubah kewarganegaraan. Catat perkawinan pada instansi yang berwenang, lalu pasangan asing dapat memeriksa visa keluarga E31A dan izin tinggal. Kewarganegaraan baru membutuhkan proses hukum terpisah; hukum kedua negara perlu diperiksa.
- [Surat wasiat, warisan, dan surat kuasa di Indonesia: langkah awal](https://panduanwarga.org/panduan/wasiat-waris-kuasa/): Indonesia tidak memiliki satu formulir wasiat yang cocok untuk semua keluarga. Aturan waris dapat mengikuti hukum Islam, perdata, atau adat menurut keadaan; hak ahli waris dan bentuk wasiat perlu diperiksa.
- [Cara mengubah nama pada KTP, paspor, dan SIM di Indonesia](https://panduanwarga.org/panduan/ubah-nama-dokumen/): Bedakan kesalahan ketik dengan perubahan nama secara hukum. Perubahan nama memerlukan penetapan Pengadilan Negeri di tempat tinggal pemohon dan wajib dilaporkan ke Dukcapil paling lambat 30 hari sejak penetapan diterima (UU 23/2006 Pasal 52); Dukcapil membuat catatan pinggir pada akta tanpa biaya.
- [Akta kematian dan urusan keluarga setelah meninggal: lansia, JKM, waris](https://panduanwarga.org/panduan/kematian-lansia/): Setelah kematian, mintalah surat keterangan kematian dari fasilitas atau pihak berwenang, lalu laporkan ke Dukcapil untuk akta kematian dan pembaruan KK. Gunakan dokumen itu untuk menutup atau mengurus rekening, kepesertaan BPJS Ketenagakerjaan, dan warisan melalui prosedur masing-masing.
- [Ganti nama di Inggris untuk WNI: paspor, eVisa, bank, NHS, dan SIM](https://panduanwarga.org/panduan/ganti-nama-di-inggris/): Bagi WNI di Inggris, perubahan nama paspor mengikuti prosedur KBRI London dan data Indonesia, sedangkan akun eVisa serta catatan bank, NHS, pemberi kerja, dan DVLA harus diperbarui secara terpisah.

### Kesehatan & perlindungan

- [Mobile JKN: cek kepesertaan BPJS Kesehatan dan ambil antrean](https://panduanwarga.org/panduan/mobile-jkn/): Mobile JKN menyediakan akses administrasi dan layanan peserta BPJS Kesehatan. Membuat akun aplikasi berbeda dari mendaftar sebagai peserta JKN. Untuk mengambil antrean, status peserta harus aktif dan FKTP harus terhubung dengan sistem antrean yang didukung.
- [BPJS Kesehatan dan Ketenagakerjaan: manfaat, iuran, cara daftar](https://panduanwarga.org/panduan/jaminan-sosial-indonesia/): BPJS Kesehatan mengelola JKN untuk layanan kesehatan sesuai prosedur; BPJS Ketenagakerjaan mengelola perlindungan terkait pekerjaan seperti JHT, JKK, JKM, JP, dan JKP. Keduanya berbeda. Status peserta, besaran iuran, dan manfaat ditentukan oleh jenis kepesertaan.
- [BPJS untuk WNA: kewajiban JKN, BPJS Ketenagakerjaan, syarat, dan iuran](https://panduanwarga.org/panduan/bpjs-untuk-wna/): UU BPJS mewajibkan setiap orang, termasuk orang asing yang bekerja paling singkat 6 bulan di Indonesia, menjadi peserta jaminan sosial. Pekerja asing didaftarkan pemberi kerja ke BPJS Kesehatan (JKN) dan BPJS Ketenagakerjaan; iuran JKN pekerja swasta 5% dari upah, yakni 4% dari pemberi kerja dan 1% dari pekerja. 000.
- [Cek Kesehatan Gratis (CKG): siapa bisa ikut, cara daftar di SATUSEHAT Mobile, dan tindak lanjut hasil](https://panduanwarga.org/panduan/cek-kesehatan-gratis/): Cek Kesehatan Gratis (CKG) adalah pemeriksaan kesehatan tanpa biaya dari Kementerian Kesehatan untuk semua kelompok usia, dari bayi baru lahir sampai lansia, dan diberikan kepada peserta maupun bukan peserta JKN (BPJS Kesehatan).

### Paspor & perjalanan

- [Cara isi All Indonesia: kartu kedatangan, biaya, dan kode QR](https://panduanwarga.org/panduan/all-indonesia/): All Indonesia menggabungkan deklarasi imigrasi, bea cukai, kesehatan, dan karantina bagi penumpang yang tiba dari luar negeri melalui udara atau laut, termasuk WNI yang pulang ke Indonesia dan WNA. Isi melalui kanal resmi mulai H-3 hingga hari kedatangan, lalu simpan kode QR.
- [Cara membuat dan mengganti paspor melalui M-Paspor](https://panduanwarga.org/panduan/paspor/): M-Paspor digunakan untuk mengajukan paspor baru dan penggantian biasa, memilih kantor serta jadwal, dan memperoleh kode pembayaran. Anda tetap datang untuk pemeriksaan dokumen, foto, biometrik, dan wawancara. Paspor hilang, rusak, atau berbeda data perlu dikonsultasikan ke kantor Imigrasi.
- [Jenis visa Indonesia untuk WNA: kunjungan, kerja, studi, keluarga](https://panduanwarga.org/panduan/visa-indonesia-wna/): Visa Indonesia dipilih berdasarkan kegiatan yang benar-benar akan dilakukan, bukan hanya lama tinggal. Visa kunjungan tidak otomatis mengizinkan bekerja; visa keluarga tidak sama dengan paspor atau kewarganegaraan. Cek indeks dan biaya pada katalog Imigrasi serta ajukan melalui e-Visa resmi.
- [Golden Visa dan visa nomad Indonesia: E28B, E28C, E33G](https://panduanwarga.org/panduan/visa-golden-nomad/): Istilah “nomad visa” adalah istilah populer; kategori resmi yang perlu diperiksa ialah E33G, visa rumah kedua pekerja jarak jauh. Golden Visa mencakup antara lain E28B untuk pendirian perusahaan dan E28C untuk investasi pasar modal. Persyaratan dana bukan biaya visa. 000 per tahun dari perusahaan di luar Indonesia.
- [Cara mengajukan visa luar negeri untuk WNI: Schengen, AS, Jepang](https://panduanwarga.org/panduan/visa-luar-negeri-wni/): WNI harus memeriksa aturan negara tujuan, tujuan perjalanan, jenis paspor, dan lama tinggal. Untuk kunjungan singkat, Komisi Eropa mencantumkan biaya Schengen €90 untuk dewasa; Departemen Luar Negeri AS mencantumkan US$185 untuk visa pengunjung B.
- [Pajak barang bawaan luar negeri dan registrasi IMEI: batas USD500](https://panduanwarga.org/panduan/barang-bawaan-imei/): Barang pribadi penumpang umum mendapat pembebasan sampai nilai pabean USD500 per orang per kedatangan bila diberitahukan sesuai aturan. Atas kelebihan, Bea Cukai menyebut bea masuk 10% dan PPN 12% dengan dasar pengenaan 11/12 untuk barang nonmewah.
- [Membawa kucing dan anjing antarpulau atau ke luar negeri: syarat karantina dan biaya](https://panduanwarga.org/panduan/bawa-hewan-peliharaan/): Kucing dan anjing yang dibawa antarpulau atau antarprovinsi harus dilengkapi buku vaksin, hasil uji titer antibodi rabies yang protektif, dan sertifikat veteriner dari otoritas veteriner provinsi atau kabupaten/kota asal.
- [KITAS dan KITAP untuk WNA: perpanjangan, alih status, biaya, dan denda](https://panduanwarga.org/panduan/kitas-kitap/): KITAS dan KITAP adalah sebutan kartu untuk Izin Tinggal Terbatas (ITAS) dan Izin Tinggal Tetap (ITAP). ITAS pertama umumnya berasal dari visa tinggal terbatas yang diajukan lewat e-Visa; permohonan itu sekaligus berlaku sebagai permohonan ITAS dan izin masuk kembali, lalu kartunya dikirim dalam bentuk virtual.
- [Pungutan wisatawan asing Bali Rp150.000: cara bayar di Love Bali, pengecualian, dan pemeriksaan](https://panduanwarga.org/panduan/pungutan-wisatawan-bali/): id). Dasarnya Perda Bali 6/2023 sebagaimana diubah Perda Bali 2/2025, dengan tata cara dalam Pergub Bali 2/2024 yang diubah Pergub Bali 25/2025.
- [Haji dan umrah: urusan di Kemenhaj, paspor, vaksin meningitis, dan cek izin travel](https://panduanwarga.org/panduan/haji-umrah/): id, bukan lagi Kementerian Agama (Perpres 92/2025).

### Bantuan sosial

- [Cek Bansos Kemensos dengan NIK dan memahami desil DTSEN](https://panduanwarga.org/panduan/cek-bansos/): id. Formulir resmi saat diperiksa menggunakan NIK 16 digit dan kode verifikasi. Sumber datanya DTSEN; kelompok desil menggambarkan tingkat kesejahteraan keluarga, bukan keputusan otomatis menerima bantuan. id, masuk dengan IKD); mendaftar tidak otomatis menjamin bantuan.
- [Cara mengadu melalui SP4N-LAPOR! dan melindungi data pribadi](https://panduanwarga.org/panduan/pengaduan-layanan-publik/): id, SMS 1708, atau aplikasi. 5 untuk lebih dari 700 instansi lain serta laporan kepolisian. Laporan diverifikasi dalam 3 hari, instansi menindaklanjuti dalam 5 hari, dan Anda dapat menanggapi balasan dalam 10 hari.
- [BSU 2026: status Bantuan Subsidi Upah, syarat 2025, dan cara cek resmi](https://panduanwarga.org/panduan/bsu/): 000), bagi sekitar 13,3 juta pekerja, tetapi Permenaker atau aturan pelaksananya belum terbit dan jadwal pencairan belum diumumkan. 000. BSU tidak perlu didaftarkan sendiri dan tidak dipungut biaya; data calon penerima berasal dari BPJS Ketenagakerjaan.
- [Jenis bansos 2026: PKH, Sembako, PBI JK, PIP, KIP Kuliah, dan BLT Desa](https://panduanwarga.org/panduan/jenis-bansos/): Bansos utama pada 2026 adalah PKH dan Sembako (BPNT) dari Kemensos, bantuan iuran BPJS Kesehatan (PBI JK), PIP untuk murid, KIP Kuliah untuk mahasiswa, BLT Desa dari Dana Desa, dan bantuan pangan beras.
- [Cara usul dan sanggah bansos: daftar DTSEN, perbarui desil, dan hindari tautan palsu](https://panduanwarga.org/panduan/usul-sanggah-bansos/): Usul (mengajukan diri sendiri atau orang lain agar terdata) dan sanggah (keberatan atas penerima atau data yang tidak sesuai) diajukan lewat aplikasi Cek Bansos Kemensos, perangkat desa/kelurahan untuk dibahas dalam musyawarah desa/kelurahan, atau dinas sosial kabupaten/kota.
- [Makan Bergizi Gratis (MBG): siapa penerimanya, cara kerja SPPG, dan jika anak sakit setelah makan](https://panduanwarga.org/panduan/makan-bergizi-gratis/): Makan Bergizi Gratis (MBG) adalah program Badan Gizi Nasional (BGN) yang memberi makanan bergizi tanpa biaya kepada peserta didik dari PAUD sampai sekolah menengah termasuk pesantren, anak balita mulai usia 6 bulan, ibu hamil, ibu menyusui, serta pendidik dan tenaga kependidikan (Perpres 115/2025).

### Uang sehari-hari

- [Cara membuat anggaran rumah tangga sesuai penghasilan](https://panduanwarga.org/panduan/anggaran-rumah-tangga/): Mulai anggaran rumah tangga dengan mencatat uang yang benar-benar diterima, kebutuhan pokok, kewajiban, dan tujuan keluarga. Bandingkan rencana dengan pengeluaran nyata, lalu perbaiki secara berkala. Besaran setiap pos perlu mengikuti keadaan keluarga; tidak ada satu pembagian persentase yang cocok untuk semua orang.
- [Cara cek legalitas pinjaman online melalui OJK FIND](https://panduanwarga.org/panduan/cek-legalitas-pinjaman-online/): Periksa penyelenggara pinjaman online di Financial Institutions Directory atau FIND milik OJK. Cocokkan nama badan hukum dan kanal resminya dengan aplikasi atau penawaran yang Anda terima. Izin perusahaan bukan jaminan bahwa setiap akun yang memakai namanya asli, atau bahwa pinjamannya sesuai kemampuan Anda.
- [Cara lapor penipuan transaksi ke IASC OJK](https://panduanwarga.org/panduan/lapor-penipuan/): id. Simpan bukti transaksi serta percakapan, lalu buat laporan polisi. IASC membantu koordinasi penanganan dana; laporan tidak menjamin pemblokiran berhasil atau uang kembali.
- [Cara cek saldo JHT di JMO dan memilih jalur klaim](https://panduanwarga.org/panduan/jht-jmo/): Untuk cek saldo JHT, buka JMO, pilih Jaminan Hari Tua, lalu Cek Saldo dan nomor KPJ yang ingin dilihat. Saldo yang terlihat tidak otomatis berarti seluruhnya dapat dicairkan sekarang. Pengajuan klaim mengikuti alasan, persyaratan, dan kanal layanan BPJS Ketenagakerjaan yang sesuai. 000 dapat diklaim langsung di JMO.
- [Cara buka rekening bank: BCA, BRI, Mandiri, BNI dan syarat KTP](https://panduanwarga.org/panduan/rekening-bank/): WNI umumnya menyiapkan KTP-el, nomor ponsel aktif, dan data pekerjaan atau pajak bila diminta. BCA memakai myBCA, BRI memakai BRImo, Mandiri memakai Livin, dan BNI menawarkan wondr. Setoran awal, saldo minimum, serta biaya administrasi bergantung pada jenis tabungan, bukan sekadar nama bank.
- [Cara mengajukan pinjaman bank dan kartu kredit untuk WNI](https://panduanwarga.org/panduan/pinjaman-bank-kartu-kredit/): Sebelum mengajukan kredit atau kartu kredit, hitung kemampuan bayar dari penghasilan bersih, cek iDeb SLIK sendiri, dan minta ringkasan biaya tertulis. Bank menilai identitas, penghasilan, riwayat pembayaran, dan kebijakan risikonya; hasil SLIK bukan daftar hitam atau jaminan persetujuan.
- [Cara daftar NPWP dan lapor SPT tahunan di Coretax DJP](https://panduanwarga.org/panduan/pajak-coretax/): Untuk mendaftar sebagai wajib pajak orang pribadi, buka Coretax DJP, pilih pendaftaran perorangan dengan NIK, verifikasi kontak dan identitas, lalu periksa email untuk NPWP digital.
- [Simpanan bank dijamin LPS: batas Rp2 miliar dan syarat 3T](https://panduanwarga.org/panduan/jaminan-simpanan-lps/): LPS menjamin simpanan yang memenuhi syarat hingga Rp2 miliar per nasabah per bank. Kelayakan dinilai dengan prinsip 3T: tercatat pada pembukuan bank, bunga tidak melebihi tingkat bunga penjaminan LPS, dan nasabah tidak terindikasi atau terbukti melakukan fraud.
- [Cara cek iDeb SLIK OJK gratis sebelum mengajukan kredit](https://panduanwarga.org/panduan/cek-ideb-slik/): Pemilik data dapat meminta informasi debitur sendiri melalui iDebKu OJK secara gratis. Siapkan identitas dan email, daftar di kanal resmi, ikuti verifikasi, lalu periksa hasil yang dikirim.
- [Cara mengadu masalah bank, pinjaman, atau asuransi ke OJK](https://panduanwarga.org/panduan/pengaduan-keuangan-ojk/): Untuk keluhan produk atau layanan keuangan, laporkan lebih dulu ke bank, pemberi pinjaman, atau perusahaan asuransi dan simpan nomor laporan. Jika tidak selesai atau ada dugaan pelanggaran, gunakan APPK OJK atau Kontak 157. Sengketa yang tetap tidak selesai dapat memiliki jalur LAPS SJK.
- [Ciri penipuan online: pola yang sering dipakai dan langkah satu jam pertama](https://panduanwarga.org/panduan/ciri-penipuan-online/): Penipuan online biasanya membuat Anda panik atau tergiur, lalu meminta Anda mengeklik tautan, memasang file APK, mentransfer uang, atau menyerahkan OTP, PIN, dan kata sandi. id, dan ganti kata sandi akun penting dari perangkat yang aman. Buat juga laporan polisi; pelaporan tidak menjamin uang kembali.
- [Judi online: aturan hukum, cara memblokir, melapor, dan mencari bantuan](https://panduanwarga.org/panduan/judi-online/): Bermain judi yang diadakan tanpa izin diancam pidana penjara paling lama 3 tahun atau denda paling banyak Rp50 juta menurut Pasal 427 KUHP baru yang berlaku sejak 2 Januari 2026, sedangkan penyelenggaranya diancam hingga 9 tahun penjara. id dari Kemenkes dapat dihubungi gratis di 119 ekstensi 8. id milik Komdigi.
- [Investasi bodong: ciri-ciri, cara cek legalitas, dan cara melapor](https://panduanwarga.org/panduan/investasi-bodong/): Investasi bodong biasanya menjanjikan keuntungan tinggi, pasti, dan cepat, tidak jelas produk atau model bisnisnya, dan sering dipromosikan figur publik.
- [Data pribadi bocor atau disalahgunakan: langkah jika NIK dan foto KTP dipakai orang lain](https://panduanwarga.org/panduan/data-pribadi-bocor/): id. Buat laporan polisi dan gunakan hak Anda menurut UU 27/2022 tentang Pelindungan Data Pribadi untuk meminta akses, perbaikan, dan penghapusan data. Lembaga pengawas PDP yang diamanatkan UU itu belum kami temukan dasar pembentukannya per 14 Oktober 2026.

### Kendaraan & SIM

- [Perpanjang SIM online melalui Digital Korlantas: syarat dan biaya](https://panduanwarga.org/panduan/perpanjang-sim-online/): Perpanjangan SIM dapat diajukan melalui SINAR di Digital Korlantas. SIM harus masih berlaku. Siapkan identitas, foto, serta hasil pemeriksaan; SATPAS memeriksa permohonan sebelum penerbitan.
- [Bayar pajak kendaraan online lewat SIGNAL: STNK tahunan](https://panduanwarga.org/panduan/pajak-kendaraan-signal/): SIGNAL melayani pengesahan STNK tahunan beserta pembayaran pajak kendaraan dan SWDKLLJ pada layanan yang didukung. Daftarkan akun serta kendaraan, periksa data dan tagihan, lalu ikuti pembayaran resmi. Proses lima tahunan yang melibatkan pemeriksaan fisik kendaraan memakai jalur Samsat yang berbeda.
- [Cara balik nama motor atau mobil bekas: STNK, BPKB, cek fisik](https://panduanwarga.org/panduan/balik-nama-kendaraan/): Setelah membeli motor atau mobil bekas, urus perubahan pemilik STNK dan BPKB di Samsat.
- [Kredit motor atau mobil dan asuransi kendaraan: hitung biaya total](https://panduanwarga.org/panduan/kredit-kendaraan-asuransi/): Sebelum mengambil kredit motor atau mobil, minta rincian harga tunai, uang muka, seluruh cicilan, biaya administrasi, asuransi, dan risiko keterlambatan. Perusahaan pembiayaan atau bank harus menjelaskan perjanjian; asuransi kendaraan tidak otomatis sama dengan perlindungan kecelakaan diri atau Jasa Raharja.
- [Cara cek dan konfirmasi tilang ETLE resmi, hindari APK palsu](https://panduanwarga.org/panduan/tilang-etle/): id, bukan tautan acak dari SMS atau pesan. Konfirmasi paling lambat 8 hari sejak pelanggaran dan bayar denda lewat BRIVA paling lambat 15 hari sejak pelanggaran; jika lewat, STNK diblokir. Polri menyatakan notifikasi resmi tidak meminta pemasangan berkas APK.
- [Uji KIR di Indonesia: kendaraan wajib uji, jadwal, dan cara cek](https://panduanwarga.org/panduan/uji-kir/): Uji berkala (KIR) wajib untuk mobil penumpang umum, bus, mobil barang (termasuk pikap dan truk milik pribadi), kereta gandengan, dan kereta tempelan menurut UU 22/2009 dan Permenhub 19/2021; mobil penumpang pribadi tidak wajib.
- [SIM untuk WNA: SIM internasional, syarat Satpas, biaya, dan perpanjangan](https://panduanwarga.org/panduan/sim-untuk-wna/): Peraturan Polri 5/2021 menyatakan SIM internasional yang diterbitkan negara lain berlaku di Indonesia berdasarkan Konvensi PBB tentang Lalu Lintas Jalan atau perjanjian internasional lain.

### Usaha & pekerjaan

- [Cara membuat NIB di OSS untuk usaha perseorangan](https://panduanwarga.org/panduan/nib-oss/): Nomor Induk Berusaha atau NIB merupakan identitas pelaku usaha yang diterbitkan melalui OSS. Siapkan data diri dan kegiatan usaha, pilih panduan sesuai jenis pelaku usaha, lalu ikuti persyaratan berdasarkan kegiatan serta tingkat risiko. Terbitnya NIB tidak selalu menyelesaikan seluruh perizinan usaha.
- [Cara daftar MagangHub Kemnaker: syarat, uang saku, dan jadwal](https://panduanwarga.org/panduan/maganghub/): MagangHub adalah portal pemagangan resmi Kemnaker yang terhubung dengan SIAPKerja untuk lulusan diploma, sarjana, atau profesi. Batch 3 tahun 2026 sedang dibuka: pendaftaran perusahaan 27 September–22 Oktober, pendaftaran peserta 26 Oktober–1 November, rekrutmen 1–10 November 2026, lalu magang paling lama 6 bulan.
- [Kena PHK? Cara cek dan klaim JKP melalui SIAPKerja](https://panduanwarga.org/panduan/klaim-jkp-phk/): JKP memberi uang tunai, informasi pasar kerja, dan pelatihan bagi peserta yang terkena PHK. 000 per bulan), selama paling lama 6 bulan. Syaratnya masa iur paling sedikit 12 bulan dalam 24 bulan sebelum PHK, dan hak klaim hilang bila tidak diajukan dalam 6 bulan sejak PHK.
- [THR keagamaan: siapa berhak, cara hitung, batas H-7, dan cara lapor](https://panduanwarga.org/panduan/thr-keagamaan/): Pengusaha wajib membayar THR keagamaan kepada pekerja PKWT maupun PKWTT yang sudah bekerja terus-menerus paling sedikit satu bulan. Masa kerja 12 bulan atau lebih mendapat satu bulan upah, sedangkan masa kerja kurang dari 12 bulan dihitung masa kerja/12 × satu bulan upah.
- [Hari libur nasional dan cuti bersama 2026 dan 2027: daftar tanggal, aturan cuti, dan upah lembur](https://panduanwarga.org/panduan/hari-libur-nasional/): Tahun 2027 memiliki 18 hari libur nasional dan 8 hari cuti bersama menurut SKB Menteri Agama, Menteri Ketenagakerjaan, dan Menteri PANRB Nomor 1205, 3, dan 2 Tahun 2026 (ditetapkan 15 September 2026), termasuk Idulfitri 10–11 Maret 2027 dengan cuti bersama 9, 12, dan 15 Maret.
- [Upah minimum 2026: UMP per provinsi, UMK, dan cara mengecek gaji](https://panduanwarga.org/panduan/upah-minimum/): UMP 2026 ditetapkan gubernur masing-masing provinsi dengan rumus PP 49/2025: UMP 2026 = UMP 2025 + {inflasi + (pertumbuhan ekonomi × alfa)} × UMP 2025, dengan alfa 0,50–0,90. 601 per bulan.
- [UU Pelindungan Ketenagakerjaan 2026: status, aturan yang masih berlaku, dan langkah sekarang](https://panduanwarga.org/panduan/uu-pelindungan-ketenagakerjaan/): DPR dan Pemerintah menyetujui RUU Pelindungan Ketenagakerjaan dalam Rapat Paripurna DPR pada 6 Oktober 2026, tetapi per 14 Oktober 2026 undang-undang ini belum diundangkan: belum ada nomor UU dan naskah finalnya belum terbit di basis data peraturan resmi.
- [Sengketa kerja dan PHK: perundingan bipartit, mediasi, dan Pengadilan Hubungan Industrial](https://panduanwarga.org/panduan/sengketa-phk-bipartit-mediasi/): Sengketa kerja, termasuk soal PHK, wajib dirundingkan dulu secara bipartit antara pekerja dan pengusaha paling lama 30 hari kerja.
- [Sertifikat halal untuk UMK: batas 17 Oktober 2026, jalur gratis, dan cara daftar di SIHALAL](https://panduanwarga.org/panduan/sertifikat-halal-umkm/): Produk makanan dan minuman usaha mikro dan kecil (UMK) wajib bersertifikat halal paling lambat 17 Oktober 2026 menurut PP 42/2024, dan BPJPH menyatakan kewajiban itu berlaku mulai 18 Oktober 2026 tanpa penundaan. 000 ditambah biaya pemeriksaan oleh Lembaga Pemeriksa Halal. id) dengan NIB.
- [Izin edar pangan untuk UMK: SPP-IRT atau BPOM MD, syarat, biaya, dan cara cek](https://panduanwarga.org/panduan/izin-edar-pirt-bpom/): Pangan olahan buatan industri rumah tangga yang dijual dalam kemasan eceran berlabel dan tahan paling sedikit 7 hari pada suhu ruang memerlukan SPP-IRT, yang diajukan melalui OSS, terbit paling lama 1 hari jika data lengkap, dan berlaku 5 tahun.
- [KUR 2026: jenis, bunga, plafon, syarat, dan cara mengajukan tanpa calo](https://panduanwarga.org/panduan/kur-pembiayaan-umkm/): KUR (Kredit Usaha Rakyat) 2026 diatur Permenko Perekonomian 1/2026 yang berlaku sejak 13 Januari 2026: KUR super mikro sampai Rp10 juta berbunga 3% efektif per tahun, sedangkan KUR mikro (di atas Rp10 juta sampai Rp100 juta) dan KUR kecil (di atas Rp100 juta sampai Rp500 juta) berbunga 6% efektif per tahun untuk sektor produksi dan perdagangan berorientasi ekspor.
- [Pajak UMKM: PPh final 0,5%, bebas omzet Rp500 juta, dan cara setor di Coretax](https://panduanwarga.org/panduan/pajak-umkm/): Usaha dengan omzet tidak lebih dari Rp4,8 miliar setahun dapat membayar PPh final 0,5% dari omzet menurut PP 55/2022 sebagaimana diubah PP 20/2026 (berlaku 22 April 2026), tetapi skema ini kini hanya untuk orang pribadi, perseroan perorangan yang didirikan satu orang, dan koperasi; CV, firma, PT biasa, dan BUMDes yang sudah memakainya hanya dapat melanjutkan sampai jangka waktunya berakhir.
- [Merchant makanan di aplikasi pesan-antar: Perpres 27/2026, perjanjian kemitraan, dan izin usaha](https://panduanwarga.org/panduan/merchant-ojol-umkm/): Perpres 27/2026 tentang Pelindungan Ekosistem Transportasi Berbasis Platform Digital, yang dirilis 8 Oktober 2026, juga mencakup layanan pengantaran makanan dan barang, tetapi biaya jasa pengantarannya masih menunggu peraturan Menteri Komunikasi dan Digital yang belum terbit per 14 Oktober 2026.

### Rumah & tanah

- [Sentuh Tanahku: cek berkas dan informasi sertipikat tanah](https://panduanwarga.org/panduan/sentuh-tanahku/): Sentuh Tanahku adalah aplikasi Kementerian ATR/BPN untuk melihat informasi berkas, sertipikat, serta layanan pertanahan. Fitur tertentu memerlukan aktivasi atau verifikasi identitas. Informasi yang belum muncul perlu dikonfirmasikan ke Kantor Pertanahan, bukan langsung dianggap bukti sertipikat tidak sah.
- [Biaya hidup dan persiapan pindah kota di Indonesia](https://panduanwarga.org/panduan/biaya-hidup-pindah-kota/): Untuk membandingkan biaya hidup sebelum pindah kota, hitung kebutuhan bulanan dan uang awal pindah secara terpisah. Gunakan harga di lingkungan yang akan ditinggali, lalu periksa transportasi, internet, layanan kesehatan, dan risiko bencana.
- [Cara mengajukan KPR subsidi FLPP melalui Tapera Mobile](https://panduanwarga.org/panduan/kpr-flpp-tapera/): KPR FLPP adalah pembiayaan rumah subsidi bagi pemohon yang memenuhi kriteria MBR, belum memiliki rumah dan memenuhi syarat bank penyalur. BP Tapera mengarahkan pencarian rumah dan bank melalui Tapera Mobile. SiKasep sudah tidak dipakai sejak April 2026.

### Pendidikan & anak

- [Cara cek PIP dengan NISN dan NIK: status rekening, aktivasi, dan pencairan](https://panduanwarga.org/panduan/pip/): id) dengan NISN, NIK, dan kode verifikasi. Mulai semester 2 tahun 2026, Permendikdasmen 11/2026 menghapus SK Nominasi dan SK Pemberian: semua penerima masuk satu SK Penetapan Penerima PIP dengan status rekening aktif atau belum aktif.
- [Cara daftar KIP Kuliah 2026: syarat, jadwal, dan bantuan](https://panduanwarga.org/panduan/kip-kuliah/): KIP Kuliah membantu calon mahasiswa dengan potensi akademik dan keterbatasan ekonomi. Untuk pendaftaran akun 2026, portal menerima lulusan 2024–2026 yang belum menjadi mahasiswa aktif. Siapkan NIK, NISN, NPSN dan email, lalu ikuti seleksi masuk perguruan tinggi.
- [Cara daftar SPMB: jalur domisili, afirmasi, prestasi, mutasi, dan syarat KK](https://panduanwarga.org/panduan/spmb-sekolah/): SPMB menggantikan PPDB melalui Permendikdasmen Nomor 3 Tahun 2025, yang juga menjadi dasar SPMB tahun ajaran 2026/2027. SD, SMP, dan SMA memakai jalur domisili, afirmasi, prestasi (kecuali SD), dan mutasi, sedangkan SMK menyeleksi dengan rapor, prestasi, dan tes bakat minat.
- [Perundungan di sekolah: tanda-tanda, cara melapor, dan kewajiban sekolah](https://panduanwarga.org/panduan/perundungan-sekolah/): Laporkan perundungan ke wali kelas, guru BK, atau kepala sekolah melalui kanal pengaduan sekolah; pedoman Kemendikdasmen menganjurkan respons awal paling lambat 24 jam.
- [Keamanan anak di internet: PP TUNAS, kontrol orang tua, dan cara melapor](https://panduanwarga.org/panduan/keamanan-anak-online/): PP 17/2025 (PP TUNAS) mewajibkan platform digital melindungi pengguna di bawah 18 tahun: anak di bawah 16 tahun hanya boleh memiliki akun pada layanan berisiko rendah dengan persetujuan orang tua, sedangkan media sosial dikategorikan berisiko tinggi.
- [AI untuk pelajar dan orang tua: cara memakai dengan jujur dan aman](https://panduanwarga.org/panduan/ai-untuk-pelajar-orang-tua/): Pakai alat kecerdasan artifisial (AI) sebagai asisten belajar, bukan pengganti usaha: pedoman bersama tujuh kementerian yang ditetapkan 12 Maret 2026 menyebut menyalin hasil AI dan mengakuinya sebagai karya sendiri sebagai plagiarisme, dan melarang AI dalam ujian.
- [Sekolah Rakyat: siapa sasarannya, cara penjangkauan siswa, biaya, dan jalur pengaduan](https://panduanwarga.org/panduan/sekolah-rakyat/): Sekolah Rakyat adalah sekolah formal berasrama dari Kementerian Sosial untuk jenjang SD, SMP, dan SMA bagi anak dari keluarga miskin ekstrem dan miskin menurut DTSEN, dengan biaya sepenuhnya ditanggung pemerintah (Perpres 120/2025).

### Darurat & lingkungan

- [Siaga bencana: banjir, longsor, gempa, gunung api, dan tsunami](https://panduanwarga.org/panduan/siaga-bencana/): Bersiap menghadapi bencana dimulai dari tiga hal: cek risiko lokasi Anda di InaRISK BNPB, pantau peringatan dini BMKG dan status gunung api di MAGMA Indonesia, lalu siapkan tas siaga bencana serta rencana keluarga.
- [Setelah bencana: ganti KTP-el, KK, akta, dan cara mendapat bantuan](https://panduanwarga.org/panduan/bantuan-setelah-bencana/): Dokumen kependudukan yang hilang atau rusak karena bencana diganti tanpa biaya oleh Dinas Dukcapil, yang dapat membuka posko pelayanan di lokasi bencana atau tempat pengungsian; bila data Anda belum ada di database, Dukcapil memberi Surat Keterangan Pengganti Tanda Identitas (SKPTI) sebagai identitas sementara.
- [Kualitas udara dan kabut asap: arti ISPU, masker, dan cara melindungi keluarga](https://panduanwarga.org/panduan/kualitas-udara-kabut-asap/): ISPU (Indeks Standar Pencemar Udara) adalah angka tanpa satuan yang menunjukkan mutu udara: 0–50 Baik, 51–100 Sedang, 101–200 Tidak Sehat, 201–300 Sangat Tidak Sehat, dan 301 ke atas Berbahaya.
- [Penyakit musim hujan: leptospirosis, DBD, diare, dan influenza](https://panduanwarga.org/panduan/penyakit-musim-hujan/): Saat musim hujan dan banjir, empat penyakit yang perlu diwaspadai adalah leptospirosis dari air kencing tikus di air banjir dan lumpur, demam berdarah dengue (DBD) dari nyamuk Aedes aegypti, diare dari air dan makanan yang tercemar, serta influenza dan infeksi saluran pernapasan.
- [Cuaca panas ekstrem: tanda heat stroke, pertolongan pertama, dan cara melindungi diri](https://panduanwarga.org/panduan/cuaca-panas-ekstrem/): Heat stroke (sengatan panas) adalah keadaan gawat darurat: suhu tubuh naik sangat tinggi, keringat bisa berhenti, dan orang menjadi bingung, kejang, atau pingsan. Hubungi 119 atau bawa ke IGD, sambil memindahkan orang itu ke tempat teduh dan mendinginkan tubuhnya dengan kain basah, kompres dingin, atau kipas.
- [Krisis air bersih: minta bantuan air, olah air minum di rumah, dan cara mengadu ke PDAM](https://panduanwarga.org/panduan/krisis-air-bersih/): Bila sumur atau sumber air di lingkungan Anda mengering, laporkan segera ke pemerintah desa/kelurahan atau BPBD kabupaten/kota; BNPB meminta warga melapor sejak kesulitan air mulai terasa agar bantuan air bersih, biasanya dengan truk tangki, tersalur tepat sasaran.
- [Kebakaran hutan dan lahan: cara melapor, larangan membakar, dan melindungi keluarga dari asap](https://panduanwarga.org/panduan/kebakaran-hutan-lahan/): Laporkan asap atau api sekecil apa pun kepada BPBD atau dinas pemadam kebakaran setempat, sesuai imbauan BNPB; untuk api yang mendekati rumah, hubungi 113 atau 112. 000) menurut UU 1/2026.

### Ojol & kurir

- [Perpres 27/2026 tentang ojol: biaya aplikasi 8%, kemitraan, dan cara mengadu](https://panduanwarga.org/panduan/perpres-27-2026-ojol/): Perpres 27/2026 tentang Pelindungan Ekosistem Transportasi Berbasis Platform Digital dirilis resmi pada 8 Oktober 2026.
- [Jadi driver ojol atau kurir: syarat umum, dokumen, dan waspada rekrutmen palsu](https://panduanwarga.org/panduan/jadi-driver-ojol-kurir/): Untuk mengantar penumpang dengan sepeda motor, Permenhub PM 12/2019 mewajibkan pengemudi antara lain sehat, memiliki SIM C, memakai motor dengan STNK yang masih berlaku dan isi silinder paling kecil 110 cc, serta memakai helm SNI dan perlengkapan keselamatan.
- [BPJS untuk driver ojol dan kurir: iuran, diskon 50%, cara daftar dan klaim](https://panduanwarga.org/panduan/bpjs-ojol/): Driver ojol dan kurir yang berstatus mitra ikut BPJS Ketenagakerjaan sebagai peserta Bukan Penerima Upah (BPU): wajib Jaminan Kecelakaan Kerja (JKK) dan Jaminan Kematian (JKM), sedangkan Jaminan Hari Tua (JHT) boleh dipilih. 400. 000 per orang per bulan.
- [Pajak driver ojol dan kurir: NPWP, PPh final 0,5%, dan lapor SPT](https://panduanwarga.org/panduan/pajak-ojol/): Driver ojol dan kurir mitra adalah wajib pajak orang pribadi yang menjalankan usaha, jadi wajib mendaftar atau mengaktifkan NIK sebagai NPWP paling lama satu bulan setelah mulai menerima pesanan (PMK 81/2024 Pasal 17 ayat (1)).
- [Kecelakaan dan keamanan driver ojol: langkah darurat, santunan, dan klaim](https://panduanwarga.org/panduan/kecelakaan-dan-keamanan-ojol/): Setelah kecelakaan, telepon 119 untuk ambulans dan 110 untuk polisi, lalu minta laporan polisi karena laporan itu menjadi dasar santunan Jasa Raharja dan klaim BPJS Ketenagakerjaan. 010/2017).
- [Cara mengadu soal ojol dan kurir: urutan jalur resmi untuk driver dan pelanggan](https://panduanwarga.org/panduan/pengaduan-ojol/): Mulailah dari pusat pengaduan perusahaan aplikasi, yang menurut keterangan Kemenhub tentang Perpres 27/2026 wajib menanggapi paling lambat 7 hari, dan simpan nomor tiketnya.

## Guides (English)

### Identity & family

- [First KTP-el: Indonesian identity-card requirements](https://panduanwarga.org/en/guides/first-indonesian-id-card/): 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.
- [Family Card (KK): new households, changes and replacements](https://panduanwarga.org/en/guides/family-card-kk/): 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.
- [Activate IKD: Indonesia’s digital population identity](https://panduanwarga.org/en/guides/digital-identity-ikd/): 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.
- [Register a child’s birth with Dukcapil](https://panduanwarga.org/en/guides/birth-certificate/): 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.
- [How to apply for an Indonesian SKCK police certificate](https://panduanwarga.org/en/guides/police-clearance-skck/): 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.
- [Marriage and divorce in Indonesia](https://panduanwarga.org/en/guides/marriage-divorce-indonesia/): 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.
- [Indonesian–foreign marriage guide](https://panduanwarga.org/en/guides/indonesian-foreign-marriage/): 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.
- [Wills, inheritance and powers of attorney in Indonesia](https://panduanwarga.org/en/guides/wills-inheritance-power-of-attorney/): 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.
- [Change your name on Indonesian ID, passport and licence](https://panduanwarga.org/en/guides/change-name-passport-id-driving-licence/): 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.
- [Death registration and family support in Indonesia](https://panduanwarga.org/en/guides/death-registration-and-elder-care/): 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.
- [Change your name in the UK with an Indonesian or foreign passport](https://panduanwarga.org/en/guides/change-name-uk-indonesian-foreign-nationals/): 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.

### Health & protection

- [Mobile JKN: check BPJS membership and book a queue](https://panduanwarga.org/en/guides/mobile-jkn-bpjs/): 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.
- [Indonesian social insurance explained](https://panduanwarga.org/en/guides/indonesian-social-insurance/): 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.
- [BPJS for foreigners: JKN health cover, BPJS Ketenagakerjaan, documents and contributions](https://panduanwarga.org/en/guides/bpjs-health-for-foreigners/): Indonesia's BPJS Law requires everyone, including foreigners who work in Indonesia for at least six months, to join the social security programmes.
- [Indonesia’s free health check (CKG): who can take part, booking on SATUSEHAT Mobile and acting on your results](https://panduanwarga.org/en/guides/free-health-check-ckg/): 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.

### Passports & travel

- [All Indonesia arrival card: declaration, QR code and costs](https://panduanwarga.org/en/guides/all-indonesia-arrival-card/): 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.
- [Apply for or replace an Indonesian passport with M-Paspor](https://panduanwarga.org/en/guides/indonesian-passport-m-paspor/): 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.
- [Indonesian visa types for foreign nationals](https://panduanwarga.org/en/guides/indonesia-visas-for-foreigners/): 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.
- [Indonesia Golden and remote-worker visas](https://panduanwarga.org/en/guides/indonesia-golden-and-remote-worker-visas/): “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.
- [Overseas visas for Indonesian passport holders](https://panduanwarga.org/en/guides/visas-abroad-for-indonesians/): 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 electronics tax and IMEI registration](https://panduanwarga.org/en/guides/overseas-electronics-customs-imei/): 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.
- [Taking a cat or dog between Indonesian islands or abroad: quarantine rules and fees](https://panduanwarga.org/en/guides/travel-with-pets-indonesia/): 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.
- [KITAS and KITAP stay permits: extensions, conversion, fees and overstay](https://panduanwarga.org/en/guides/kitas-kitap-stay-permits/): 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.
- [Bali foreign tourist levy (Rp150,000): paying on Love Bali, exemptions and checks](https://panduanwarga.org/en/guides/bali-tourist-levy/): 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.
- [Hajj and umrah paperwork in Indonesia: the new ministry, passports, meningitis vaccine and agency licences](https://panduanwarga.org/en/guides/hajj-umrah-admin/): id, rather than the Ministry of Religious Affairs (Presidential Regulation 92/2025).

### Social assistance

- [Check Indonesian social assistance through Cek Bansos](https://panduanwarga.org/en/guides/check-social-assistance/): 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. id, sign-in with IKD); registering does not guarantee assistance.
- [Submit a public-service complaint through SP4N-LAPOR!](https://panduanwarga.org/en/guides/public-service-complaints/): id, SMS 1708 or the app. 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.
- [Indonesia’s 2026 wage subsidy (BSU): status, 2025 rules and official checks](https://panduanwarga.org/en/guides/wage-subsidy-bsu/): 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.
- [Indonesia’s social assistance programmes in 2026: PKH, Sembako, PBI JK, PIP, KIP Kuliah and village cash aid](https://panduanwarga.org/en/guides/social-assistance-programmes/): 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.
- [How to propose or challenge social assistance data in Indonesia: getting into DTSEN, updating your decile and avoiding fake links](https://panduanwarga.org/en/guides/propose-or-challenge-social-assistance/): 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.
- [Free Nutritious Meals (MBG) in Indonesia: who gets them, how SPPG kitchens work, and what to do if your child falls ill after eating](https://panduanwarga.org/en/guides/free-nutritious-meals-mbg/): 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).

### Everyday money

- [Make a household budget that fits your income](https://panduanwarga.org/en/guides/household-budget/): 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.
- [Check an online lender through OJK FIND](https://panduanwarga.org/en/guides/check-online-lender-ojk/): 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.
- [Report financial transaction fraud to IASC OJK](https://panduanwarga.org/en/guides/report-financial-fraud-iasc/): 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.
- [Check your JHT balance in JMO and choose a claim route](https://panduanwarga.org/en/guides/jht-balance-and-claims/): 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.
- [Open a bank account in Indonesia](https://panduanwarga.org/en/guides/open-bank-account-indonesia/): 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.
- [Apply for bank loans and credit cards in Indonesia](https://panduanwarga.org/en/guides/bank-loans-and-credit-cards/): 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.
- [Register for an Indonesian tax ID and file an annual return in Coretax](https://panduanwarga.org/en/guides/coretax-tax-id-and-annual-return/): 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.
- [How Indonesia’s LPS bank deposit protection works](https://panduanwarga.org/en/guides/bank-deposit-protection-lps/): 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. 00% for foreign currency (PENG-7/DSPB/2026).
- [Check your Indonesian OJK iDeb SLIK credit record free](https://panduanwarga.org/en/guides/check-ojk-ideb-credit-record/): 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.
- [Complain about an Indonesian bank, lender or insurer to OJK](https://panduanwarga.org/en/guides/complain-about-financial-service-ojk/): 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.
- [How to spot online scams in Indonesia: common patterns and what to do in the first hour](https://panduanwarga.org/en/guides/spot-online-scams/): 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. id and change the passwords of your important accounts from a safe device.
- [Online gambling in Indonesia: the law, blocking it, reporting it and getting help](https://panduanwarga.org/en/guides/online-gambling-help/): 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. id is free on 119 extension 8. id.
- [Investment scams in Indonesia: warning signs, checking legality and reporting](https://panduanwarga.org/en/guides/investment-scams/): Investment scams usually promise high, guaranteed and quick profits, are vague about the product or business model, and are often promoted by public figures.
- [Personal data leaked or misused in Indonesia: what to do if someone uses your NIK or KTP photo](https://panduanwarga.org/en/guides/personal-data-leak/): 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.

### Vehicles & licences

- [Renew an Indonesian driving licence online with SINAR](https://panduanwarga.org/en/guides/renew-driving-licence/): 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.
- [Pay annual vehicle tax and validate STNK with SIGNAL](https://panduanwarga.org/en/guides/vehicle-tax-signal/): 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.
- [Transfer used-vehicle ownership in Indonesia](https://panduanwarga.org/en/guides/transfer-vehicle-ownership-indonesia/): After buying a used motorcycle or car, transfer the STNK and BPKB at Samsat.
- [Vehicle finance and insurance in Indonesia](https://panduanwarga.org/en/guides/vehicle-finance-and-insurance-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.
- [Check an Indonesian ETLE traffic notice safely](https://panduanwarga.org/en/guides/check-etle-traffic-fine/): 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.
- [KIR vehicle inspections in Indonesia: who must test, schedule and checks](https://panduanwarga.org/en/guides/commercial-vehicle-kir-inspection/): 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.
- [Driving licences for foreigners in Indonesia: international permits, Satpas requirements, fees and renewal](https://panduanwarga.org/en/guides/driving-licence-foreigners-indonesia/): 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.

### Business & work

- [Get a business identification number (NIB) through OSS](https://panduanwarga.org/en/guides/business-number-nib-oss/): 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.
- [Apply for MagangHub internships](https://panduanwarga.org/en/guides/maganghub-indonesia-internships/): MagangHub is the Ministry of Manpower’s official internship portal, linked to SIAPKerja, for diploma, degree and professional graduates.
- [Claim Indonesian JKP job-loss benefits after dismissal](https://panduanwarga.org/en/guides/claim-jkp-after-job-loss/): 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.
- [THR religious holiday allowance: eligibility, calculation, the H-7 deadline and complaints](https://panduanwarga.org/en/guides/thr-religious-holiday-allowance/): 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.
- [Indonesian public holidays and collective leave 2026 and 2027: dates, leave rules and overtime pay](https://panduanwarga.org/en/guides/indonesia-public-holidays/): 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.
- [Indonesia’s minimum wage in 2026: provincial UMP, city UMK and checking your pay](https://panduanwarga.org/en/guides/indonesia-minimum-wage/): 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.
- [Indonesia’s new Labour Protection Law 2026: status, the rules still in force and what to do now](https://panduanwarga.org/en/guides/new-labour-protection-law-2026/): 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.
- [Employment and dismissal disputes in Indonesia: bipartite talks, mediation and the Industrial Relations Court](https://panduanwarga.org/en/guides/employment-dispute-bipartite-mediation/): 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.
- [Halal certification for micro and small businesses: the 17 October 2026 deadline, the free route and applying through SIHALAL](https://panduanwarga.org/en/guides/halal-certification-small-business/): 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.
- [Food permits for micro and small businesses: SPP-IRT or BPOM MD, requirements, costs and checking a number](https://panduanwarga.org/en/guides/food-permits-spp-irt-bpom/): 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.
- [KUR 2026: Indonesia’s People’s Business Credit schemes, interest rates, limits, requirements and applying without a broker](https://panduanwarga.org/en/guides/kur-small-business-loans/): 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.
- [Small business tax in Indonesia: the 0.5% final income tax, the Rp500 million exemption and paying in Coretax](https://panduanwarga.org/en/guides/small-business-tax/): 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.
- [Food merchants on delivery apps: Presidential Regulation 27/2026, partnership agreements and business permits](https://panduanwarga.org/en/guides/food-merchants-on-delivery-apps/): 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.

### Housing & land

- [Sentuh Tanahku: land-certificate information and case tracking](https://panduanwarga.org/en/guides/sentuh-tanahku-land-records/): Sentuh Tanahku is an ATR/BPN application for land-service cases, certificate information and related services. Some features require identity activation or verification. Confirm missing information with the Land Office rather than treating an absent record as proof that a certificate is invalid.
- [Cost of living and moving to another Indonesian city](https://panduanwarga.org/en/guides/cost-of-living-moving-city/): Compare monthly living costs separately from the money needed when moving. Use prices in the intended neighbourhood and check transport, internet, healthcare and disaster risks. BPS average expenditure gives regional context, not a mandatory budget for every household.
- [Apply for an Indonesian subsidised FLPP home loan with Tapera Mobile](https://panduanwarga.org/en/guides/subsidised-home-loan-flpp-tapera/): FLPP is subsidised home financing for applicants who meet low-income criteria, do not already own a home and satisfy a participating bank’s checks. BP Tapera now directs applicants to Tapera Mobile to choose a home and bank; SiKasep was retired in April 2026. Income limits vary by zone and family status.

### Education & children

- [Check PIP school assistance: account status, activation and payout](https://panduanwarga.org/en/guides/check-pip-education-assistance/): id) with the student’s NISN, NIK and a verification code.
- [Apply for Indonesia’s KIP Kuliah higher-education support in 2026](https://panduanwarga.org/en/guides/kip-kuliah-higher-education-support/): 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.
- [Enrol a child through SPMB: routes, quotas, age rules and the one-year KK rule](https://panduanwarga.org/en/guides/school-enrolment-spmb/): SPMB replaced PPDB under Minister of Primary and Secondary Education Regulation 3 of 2025, which also governs admissions for the 2026/2027 school year.
- [Bullying at school in Indonesia: warning signs, how to report it and what schools must do](https://panduanwarga.org/en/guides/school-bullying-help/): 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.
- [Keeping children safe online in Indonesia: PP TUNAS, parental controls and how to report](https://panduanwarga.org/en/guides/children-online-safety/): 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.
- [AI for pupils and parents in Indonesia: using it honestly and safely](https://panduanwarga.org/en/guides/ai-for-pupils-and-parents/): 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.
- [Sekolah Rakyat boarding schools: who they are for, how pupils are selected, costs and how to raise concerns](https://panduanwarga.org/en/guides/sekolah-rakyat-boarding-schools/): 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).

### Emergencies & environment

- [Disaster preparedness in Indonesia: floods, landslides, earthquakes, volcanoes and tsunamis](https://panduanwarga.org/en/guides/disaster-preparedness-indonesia/): 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.
- [After a disaster in Indonesia: replacing your KTP-el, family card and certificates, and getting help](https://panduanwarga.org/en/guides/help-after-a-disaster/): 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).
- [Air quality and haze in Indonesia: what ISPU means, masks and protecting your family](https://panduanwarga.org/en/guides/air-quality-and-haze/): 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.
- [Rainy-season diseases in Indonesia: leptospirosis, dengue, diarrhoea and flu](https://panduanwarga.org/en/guides/rainy-season-diseases/): 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.
- [Extreme heat in Indonesia: signs of heat stroke, first aid and staying safe](https://panduanwarga.org/en/guides/extreme-heat/): 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.
- [Water shortages in Indonesia: emergency water, safe drinking water at home and complaining to the water company](https://panduanwarga.org/en/guides/water-shortage/): 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.
- [Forest and land fires in Indonesia: reporting fires, the ban on burning and protecting your family from smoke](https://panduanwarga.org/en/guides/forest-and-land-fires/): 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.

### Ride-hailing & couriers

- [Presidential Regulation 27/2026 on ride-hailing: the 8% app fee, partner status and complaints](https://panduanwarga.org/en/guides/ride-hailing-regulation-perpres-27-2026/): Presidential Regulation (Perpres) 27/2026 on Protecting the Digital-Platform Transport Ecosystem was officially released on 8 October 2026.
- [Becoming a ride-hailing or courier driver: general requirements, documents and fake recruitment](https://panduanwarga.org/en/guides/become-a-ride-hailing-or-courier-driver/): 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.
- [BPJS for ride-hailing drivers and couriers: contributions, the 50% discount, joining and claiming](https://panduanwarga.org/en/guides/bpjs-for-ride-hailing-drivers/): 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.
- [Tax for ride-hailing drivers and couriers: NPWP, the 0.5% final tax and filing your SPT](https://panduanwarga.org/en/guides/tax-for-ride-hailing-drivers/): 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)).
- [Accidents and safety for ride-hailing drivers: emergency steps, compensation and claims](https://panduanwarga.org/en/guides/accidents-and-safety-for-drivers/): 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. 010/2017).
- [How to complain about ride-hailing and delivery apps: official routes for drivers and customers](https://panduanwarga.org/en/guides/complaints-ride-hailing/): 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.

## Kalkulator / Calculators

- [Kalkulator PPh 21 TER dan gaji bersih](https://panduanwarga.org/kalkulator/pph-21-gaji-bersih/): Untuk Januari sampai November, PPh 21 pegawai tetap dipotong dengan tarif efektif rata-rata (TER): penghasilan bruto sebulan dikali tarif kategori A, B, atau C sesuai status PTKP.
- [Kalkulator iuran BPJS Kesehatan dan Ketenagakerjaan karyawan](https://panduanwarga.org/kalkulator/iuran-bpjs-karyawan/): 300 sejak Maret 2026). Perusahaan membayar 4% BPJS Kesehatan, 3,7% JHT, 2% JP, JKK 0,24–1,74% sesuai risiko, dan JKM 0,3%. 000 per bulan.
- [Kalkulator THR karyawan](https://panduanwarga.org/kalkulator/thr/): Pekerja dengan masa kerja 12 bulan atau lebih berhak atas THR sebesar satu bulan upah. Masa kerja 1 sampai kurang dari 12 bulan mendapat THR proporsional: masa kerja dibagi 12, dikali satu bulan upah.
- [Kalkulator pesangon PHK](https://panduanwarga.org/kalkulator/pesangon/): Menurut PP 35/2021, uang pesangon adalah 1 bulan upah untuk masa kerja kurang dari 1 tahun, bertambah 1 bulan setiap tahun, sampai 9 bulan upah untuk masa kerja 8 tahun atau lebih.
- [Kalkulator bea masuk dan pajak barang bawaan luar negeri](https://panduanwarga.org/kalkulator/pajak-barang-bawaan/): Barang pribadi penumpang dibebaskan sampai FOB USD500 per orang untuk setiap kedatangan. Kelebihannya dikenai bea masuk 10% yang dibulatkan ke atas ke ribuan rupiah, lalu PPN 12% dengan dasar 11/12 dari nilai impor (efektif 11%).
- [Kalkulator denda telat bayar pajak kendaraan](https://panduanwarga.org/kalkulator/denda-pajak-kendaraan/): Keterlambatan PKB dikenai bunga 1% per bulan dari pokok PKB dan opsen, paling lama 24 bulan, dan bagian bulan dihitung satu bulan penuh (PP 35/2023). 000. 000.
- [Kalkulator cek potongan ojol](https://panduanwarga.org/kalkulator/potongan-ojol/): Untuk angkutan orang, biaya aplikasi paling banyak 8%; ketentuan ini berlaku sejak 1 Juli 2026 melalui Keputusan Menteri Perhubungan dan diadopsi Perpres 27/2026.
- [Kalkulator penghasilan bersih ojol dan kurir](https://panduanwarga.org/kalkulator/penghasilan-bersih-ojol/): Penghasilan bersih adalah pendapatan kotor dikurangi potongan aplikasi, bensin, parkir, perawatan kendaraan, kuota data, iuran BPJS, dan cicilan atau penyusutan kendaraan.
- [Kalkulator anggaran rumah tangga](https://panduanwarga.org/kalkulator/anggaran-rumah-tangga/): Kurangkan semua pengeluaran dan tabungan dari pendapatan bulanan untuk melihat sisa uang. Kalkulator ini juga menunjukkan porsi makanan, cicilan, dan tabungan terhadap pendapatan agar Anda tahu pos mana yang paling besar.
- [Cek tanda bahaya pesan penipuan](https://panduanwarga.org/kalkulator/cek-pesan-penipuan/): apk, permintaan OTP atau PIN, desakan waktu, hadiah, tautan pendek, dan transfer ke rekening pribadi. Alat ini tidak pernah menyatakan pesan aman: tidak ditemukan tanda bahaya bukan jaminan.
- [Kartu tindakan kualitas udara (ISPU)](https://panduanwarga.org/kalkulator/tindakan-kualitas-udara/): 14/2020. Masukkan angka dari portal ISPU resmi dan pilih apakah Anda termasuk kelompok sensitif untuk melihat anjuran resminya. Alat ini tidak memuat data langsung.
- [Daftar periksa tas siaga bencana](https://panduanwarga.org/kalkulator/tas-siaga-bencana/): Tas siaga bencana berisi tas tahan air, dokumen penting dalam map kedap air, air minum dan makanan tahan lama, kotak P3K dan obat pribadi, senter, peluit, radio, ponsel dan power bank, pakaian ganti, serta nomor darurat yang ditulis di kertas.
- [Cek bansos yang mungkin perlu Anda periksa](https://panduanwarga.org/kalkulator/cek-kelayakan-bansos/): Centang kondisi keluarga Anda untuk melihat program yang mungkin perlu diperiksa, seperti PKH, Sembako, PBI JK, PIP, KIP Kuliah, BLT Desa, bantuan beras, atau BSU, beserta cara resmi mengeceknya.
- [PPh 21 (TER) and net salary calculator](https://panduanwarga.org/en/calculators/pph-21-net-salary/): From January to November, employers withhold PPh 21 from permanent employees using the average effective rate (TER): gross monthly income times the rate for category A, B or C, which depends on your PTKP tax status.
- [BPJS health and employment contributions calculator](https://panduanwarga.org/en/calculators/bpjs-contributions-employees/): Employees pay 1% for BPJS Kesehatan (on wages up to Rp12,000,000), 2% for the old-age savings programme (JHT), and 1% for the pension programme (JP, on wages up to Rp11,086,300 since March 2026). 3%.
- [THR religious holiday allowance calculator](https://panduanwarga.org/en/calculators/thr/): Workers with 12 months' service or more are entitled to THR of one month's wage. Those with 1 to under 12 months get a pro-rata amount: months of service divided by 12, times one month's wage.
- [Indonesian severance pay calculator](https://panduanwarga.org/en/calculators/severance-pay/): Under Government Regulation (PP) 35/2021, severance (pesangon) is 1 month's wage for under 1 year of service, rising by 1 month per year to 9 months' wage for 8 years or more.
- [Customs duty and tax calculator for goods brought from abroad](https://panduanwarga.org/en/calculators/customs-duty-personal-goods/): Passengers' personal goods are exempt up to FOB USD500 per person per arrival. The excess pays 10% import duty, rounded up to the next thousand rupiah, then 12% VAT on 11/12 of the import value (effectively 11%).
- [Late vehicle tax penalty calculator](https://panduanwarga.org/en/calculators/late-vehicle-tax-penalty/): Late vehicle tax (PKB) incurs interest of 1% a month on the PKB principal and opsen, for up to 24 months, with any part month counted as a full month (PP 35/2023).
- [Ride-hailing app fee checker](https://panduanwarga.org/en/calculators/ride-hailing-app-fee-checker/): For passenger rides, the app fee is capped at 8%; this has applied since 1 July 2026 through a Transport Minister’s decree and was adopted in Perpres 27/2026.
- [Ride-hailing and courier net income calculator](https://panduanwarga.org/en/calculators/ride-hailing-net-income/): Net income is gross earnings minus app fees, fuel, parking, vehicle upkeep, mobile data, BPJS contributions and vehicle instalments or depreciation. This calculator works it out per month, per working day and per hour from your own figures.
- [Household budget planner](https://panduanwarga.org/en/calculators/household-budget-planner/): Subtract all spending and savings from monthly income to see what is left. The planner also shows the share of food, debt repayments and savings in your income so you can see which categories are largest.
- [Scam message red-flag checker](https://panduanwarga.org/en/calculators/scam-message-checker/): apk files, requests for an OTP or PIN, time pressure, prizes, short links and transfers to personal accounts. It never says a message is safe: finding no red flags is not a guarantee.
- [Air quality (ISPU) action card](https://panduanwarga.org/en/calculators/air-quality-action-card/): 14/2020. Enter a reading from the official ISPU portal and choose whether you are in a sensitive group to see the official advice. The card has no live data.
- [Disaster go-bag checklist](https://panduanwarga.org/en/calculators/disaster-go-bag-checklist/): A disaster go-bag holds a waterproof bag, important documents in a waterproof folder, drinking water and long-life food, a first-aid kit and personal medicines, a torch, whistle and radio, a phone and power bank, a change of clothes, and emergency numbers written on paper.
- [Social assistance pre-check](https://panduanwarga.org/en/calculators/social-assistance-pre-check/): Tick your household’s circumstances to see which programmes you may want to check, such as PKH, Sembako, PBI JK, PIP, KIP Kuliah, BLT Desa, rice aid or BSU, and the official way to check each.

## Pajak kendaraan per provinsi / Vehicle tax by province

- [Pajak kendaraan DKI Jakarta 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/dki-jakarta/): Tarif PKB DKI Jakarta 2% untuk kendaraan pertama, lalu 3% sampai 6% untuk kendaraan kedua dan seterusnya; DKI Jakarta tidak memungut opsen PKB.
- [Pajak kendaraan Jawa Barat 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/jawa-barat/): Tarif PKB Jawa Barat 1,12% untuk kendaraan pertama, lalu 1,62% sampai 3,12% untuk kendaraan kedua dan seterusnya, ditambah opsen 66% untuk kabupaten/kota.
- [Pajak kendaraan Jawa Tengah 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/jawa-tengah/): Tarif PKB Jawa Tengah 1,05% untuk kendaraan pertama, lalu 1,4% sampai 2,45% untuk kendaraan kedua dan seterusnya, ditambah opsen 66% untuk kabupaten/kota.
- [Pajak kendaraan Jawa Timur 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/jawa-timur/): Tarif PKB Jawa Timur 1,2% untuk kendaraan pertama, lalu 1,7% sampai 3,2% untuk kendaraan kedua dan seterusnya, ditambah opsen 66% untuk kabupaten/kota.
- [Pajak kendaraan Banten 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/banten/): Tarif PKB Banten 1,2% untuk kendaraan pertama, lalu 1,4% sampai 2,4% untuk kendaraan kedua dan seterusnya, ditambah opsen 66% untuk kabupaten/kota.
- [Pajak kendaraan DI Yogyakarta 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/di-yogyakarta/): Tarif PKB DI Yogyakarta 0,9% untuk kendaraan pertama, lalu 1,4% sampai 2,9% untuk kendaraan kedua dan seterusnya, ditambah opsen 66% untuk kabupaten/kota.
- [Pajak kendaraan Bali 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/bali/): Tarif PKB Bali 1,055% untuk kendaraan sampai 200cc dan 1,2% di atas 200cc, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota.
- [Pajak kendaraan Sumatera Utara 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/sumatera-utara/): Tarif PKB Sumatera Utara 1% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota.
- [Pajak kendaraan Sulawesi Selatan 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/sulawesi-selatan/): Tarif PKB Sulawesi Selatan 1% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota. Cek tagihan lewat Bapenda Sulsel Mobile, lalu bayar pajak tahunan di sana atau lewat aplikasi nasional SIGNAL.
- [Pajak kendaraan Riau 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/riau/): Tarif PKB Riau 1% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota. Cek tagihan lewat Bapenda Riau Mobile atau BRKS Mobile, lalu bayar pajak tahunan di sana atau lewat aplikasi nasional SIGNAL.
- [Pajak kendaraan Sumatera Selatan 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/sumatera-selatan/): Tarif PKB Sumatera Selatan 1% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota. Cek dan bayar pajak tahunan lewat aplikasi nasional SIGNAL atau di kantor Samsat.
- [Pajak kendaraan Lampung 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/lampung/): Tarif PKB Lampung 1% untuk kendaraan pertama, lalu 1,25% sampai 2% untuk kendaraan kedua dan seterusnya, ditambah opsen 66% untuk kabupaten/kota.
- [Pajak kendaraan Kalimantan Selatan 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/kalimantan-selatan/): Tarif PKB Kalimantan Selatan 1,2% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota.
- [Pajak kendaraan Nusa Tenggara Barat 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/nusa-tenggara-barat/): Tarif PKB Nusa Tenggara Barat 1,025% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota. Cek tagihan lewat Samsat Delivery NTB, lalu bayar pajak tahunan di sana atau lewat aplikasi nasional SIGNAL.
- [Pajak kendaraan Kepulauan Riau 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/kepulauan-riau/): Tarif PKB Kepulauan Riau 1,05% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota. Cek tagihan lewat ESamsat KEPRI, lalu bayar pajak tahunan di sana atau lewat aplikasi nasional SIGNAL.
- [Pajak kendaraan Kalimantan Timur 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/kalimantan-timur/): Tarif PKB Kalimantan Timur 0,8% untuk kendaraan pertama, lalu 0,9% sampai 1,2% untuk kendaraan kedua dan seterusnya, ditambah opsen 66% untuk kabupaten/kota. Cek tagihan lewat SIMPATOR atau e-Samsat Kaltim.
- [Pajak kendaraan Aceh 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/aceh/): Tarif PKB Aceh 1% untuk kendaraan pertama, lalu 1,2% untuk kendaraan kedua dan 1,4% untuk kendaraan ketiga; untuk kendaraan keempat dan seterusnya Qanun hanya menyebut paling tinggi 6% tanpa tarif pasti, ditambah opsen 66% untuk kabupaten/kota.
- [Pajak kendaraan Sumatera Barat 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/sumatera-barat/): Tarif PKB Sumatera Barat 1,05% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota.
- [Pajak kendaraan Jambi 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/jambi/): Tarif PKB Jambi 1% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota. Cek dan bayar pajak tahunan lewat aplikasi nasional SIGNAL atau di kantor Samsat.
- [Pajak kendaraan Kepulauan Bangka Belitung 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/kepulauan-bangka-belitung/): Tarif PKB Kepulauan Bangka Belitung 1% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota. Cek dan bayar pajak tahunan lewat aplikasi nasional SIGNAL atau di kantor Samsat.
- [Pajak kendaraan Kalimantan Barat 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/kalimantan-barat/): Tarif PKB Kalimantan Barat 1,1% untuk kendaraan pertama, dengan tarif progresif 2% sampai 5% untuk kendaraan kedua dan seterusnya yang saat ini dibebaskan (Pergub Kalbar 26/2025), ditambah opsen 66% untuk kabupaten/kota.
- [Pajak kendaraan Sulawesi Utara 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/sulawesi-utara/): Tarif PKB Sulawesi Utara 1,2% untuk kendaraan pertama, dengan tarif progresif 1,5% sampai 2,5% untuk kendaraan kedua dan seterusnya yang dibebaskan sepanjang 2026, ditambah opsen 66% untuk kabupaten/kota.
- [Pajak kendaraan Nusa Tenggara Timur 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/nusa-tenggara-timur/): Tarif PKB Nusa Tenggara Timur 1,2% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota. Cek tagihan lewat PRO NTT, lalu bayar pajak tahunan di sana atau lewat aplikasi nasional SIGNAL.
- [Pajak kendaraan Bengkulu 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/bengkulu/): Tarif PKB Bengkulu 1% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota. Cek tagihan lewat PUSAKO Info Pajak Kendaraan Bermotor, lalu bayar pajak tahunan di sana atau lewat aplikasi nasional SIGNAL.
- [Pajak kendaraan Gorontalo 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/gorontalo/): Tarif PKB Gorontalo 1% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota. Cek dan bayar pajak tahunan lewat aplikasi nasional SIGNAL atau di kantor Samsat.
- [Pajak kendaraan Kalimantan Utara 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/kalimantan-utara/): Tarif PKB Kalimantan Utara 1,2% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota.
- [Pajak kendaraan Sulawesi Barat 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/sulawesi-barat/): Tarif PKB Sulawesi Barat 1% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota. Cek tagihan lewat SIMOTO - Cek Pajak Kendaraan, lalu bayar pajak tahunan di sana atau lewat aplikasi nasional SIGNAL.
- [Pajak kendaraan Sulawesi Tengah 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/sulawesi-tengah/): Tarif PKB Sulawesi Tengah 1% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota.
- [Pajak kendaraan Sulawesi Tenggara 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/sulawesi-tenggara/): 1/37 Tahun 2026), ditambah opsen 66% untuk kabupaten/kota. Cek tagihan lewat Mobile Bapenda Sultra, lalu bayar pajak tahunan di sana atau lewat aplikasi nasional SIGNAL. Keterlambatan dikenai bunga 1% per bulan, paling lama 24 bulan.
- [Pajak kendaraan Maluku Utara 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/maluku-utara/): Tarif PKB Maluku Utara 1,2% untuk kendaraan pertama, lalu 2% sampai 6% untuk kendaraan kedua dan seterusnya, ditambah opsen 66% untuk kabupaten/kota. Cek dan bayar tagihan di kantor Samsat.
- [Pajak kendaraan Papua 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/papua/): Tarif PKB Papua 1,05% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota. Cek tagihan lewat Simulasi Pajak Kendaraan Bermotor.
- [Pajak kendaraan Papua Barat 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/papua-barat/): Tarif PKB Papua Barat 1,07% untuk kendaraan pertama, lalu 2% sampai 5% untuk kendaraan kedua dan seterusnya, ditambah opsen 66% untuk kabupaten/kota. Cek dan bayar tagihan di kantor Samsat.
- [Pajak kendaraan Papua Selatan 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/papua-selatan/): Tarif PKB Papua Selatan 1,05% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota. Cek dan bayar tagihan di kantor Samsat. Keterlambatan dikenai bunga 1% per bulan, paling lama 24 bulan.
- [Pajak kendaraan Papua Tengah 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/papua-tengah/): Tarif PKB Papua Tengah 1,05% untuk kendaraan pertama, tanpa tarif progresif, ditambah opsen 66% untuk kabupaten/kota. Cek dan bayar tagihan di kantor Samsat.
- [Pajak kendaraan Kalimantan Tengah 2026: tarif, cek online, dan cara bayar](https://panduanwarga.org/pajak-kendaraan/kalimantan-tengah/): Tarif PKB Kalimantan Tengah 1,2% untuk kendaraan pertama, tanpa tarif progresif (kalkulator resmi Bapenda memakai tarif efektif 0,904% setelah keputusan gubernur 24 Desember 2024 menurunkan tarif yang ditagih), ditambah opsen 66% untuk kabupaten/kota.
- [Jakarta vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/jakarta/): Jakarta's vehicle tax (PKB) rate is 2% for a first vehicle, rising from 3% to 6% for second and later vehicles; Jakarta does not charge opsen.
- [West Java vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/west-java/): 12% for second and later vehicles, plus a 66% opsen for the regency or city. Check the bill through Sambara or Info Pajak Kendaraan Bermotor Jawa Barat, and pay annual tax there or in the national SIGNAL app.
- [Central Java vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/central-java/): 45% for second and later vehicles, plus a 66% opsen for the regency or city. Check the bill through New Sakpole or Samsat Budiman, and pay annual tax there or in the national SIGNAL app.
- [East Java vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/east-java/): 2% for second and later vehicles, plus a 66% opsen for the regency or city. Check the bill through Info PKB or E-Samsat Jatim, and pay annual tax there or in the national SIGNAL app.
- [Banten vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/banten/): 4% for second and later vehicles, plus a 66% opsen for the regency or city. Check the bill through Samsat Ceria or SAMBAT Provinsi Banten, and pay annual tax there or in the national SIGNAL app.
- [Yogyakarta vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/yogyakarta/): 9% for second and later vehicles, plus a 66% opsen for the regency or city. Check the bill through Cek PKB DIY or WhatsApp cek nominal pajak, and pay annual tax there or in the national SIGNAL app.
- [Bali vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/bali/): 2% above 200cc, with no progressive rate, plus a 66% opsen for the regency or city. Check the bill through Informasi e-Samsat Bali, and pay annual tax there or in the national SIGNAL app.
- [North Sumatra vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/north-sumatra/): North Sumatra's vehicle tax (PKB) rate is 1% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city.
- [South Sulawesi vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/south-sulawesi/): South Sulawesi's vehicle tax (PKB) rate is 1% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city. Check the bill through Bapenda Sulsel Mobile, and pay annual tax there or in the national SIGNAL app.
- [Riau vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/riau/): Riau's vehicle tax (PKB) rate is 1% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city. Check the bill through Bapenda Riau Mobile or BRKS Mobile, and pay annual tax there or in the national SIGNAL app.
- [South Sumatra vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/south-sumatra/): South Sumatra's vehicle tax (PKB) rate is 1% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city. Check and pay annual tax in the national SIGNAL app, or at a Samsat office.
- [Lampung vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/lampung/): 25% to 2% for second and later vehicles, plus a 66% opsen for the regency or city. Check the bill through Info Pajak Samsat Provinsi Lampung, and pay annual tax there or in the national SIGNAL app.
- [South Kalimantan vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/south-kalimantan/): 2% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city. Check the bill through Bapenda Super Apps or Info Pajak Kalsel, and pay annual tax there or in the national SIGNAL app.
- [West Nusa Tenggara vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/west-nusa-tenggara/): 025% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city. Check the bill through Samsat Delivery NTB, and pay annual tax there or in the national SIGNAL app.
- [Riau Islands vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/riau-islands/): 05% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city. Check the bill through ESamsat KEPRI, and pay annual tax there or in the national SIGNAL app.
- [East Kalimantan vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/east-kalimantan/): 2% for second and later vehicles, plus a 66% opsen for the regency or city. Check the bill through SIMPATOR or e-Samsat Kaltim. Late payment incurs 1% interest a month for up to 24 months.
- [Aceh vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/aceh/): 4% for a third; for a fourth and later vehicle the Qanun only allows up to 6% and sets no fixed rate, plus a 66% opsen for the regency or city.
- [West Sumatra vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/west-sumatra/): 05% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city. Check the bill through Cek Pajak Kendaraan or E-Samsat Sumbar, and pay annual tax there or in the national SIGNAL app.
- [Jambi vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/jambi/): Jambi's vehicle tax (PKB) rate is 1% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city. Check and pay annual tax in the national SIGNAL app, or at a Samsat office.
- [Bangka Belitung Islands vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/bangka-belitung/): Bangka Belitung Islands' vehicle tax (PKB) rate is 1% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city. Check and pay annual tax in the national SIGNAL app, or at a Samsat office.
- [West Kalimantan vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/west-kalimantan/): 1% for a first vehicle, with progressive rates of 2% to 5% for second and later vehicles that are currently waived (Governor Regulation 26/2025), plus a 66% opsen for the regency or city.
- [North Sulawesi vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/north-sulawesi/): 5% for second and later vehicles, waived throughout 2026, plus a 66% opsen for the regency or city. Check the bill through Timsalut or BSGtouch v2, and pay annual tax there or in the national SIGNAL app.
- [East Nusa Tenggara vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/east-nusa-tenggara/): 2% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city. Check the bill through PRO NTT, and pay annual tax there or in the national SIGNAL app. Late payment incurs 1% interest a month for up to 24 months.
- [Bengkulu vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/bengkulu/): Bengkulu's vehicle tax (PKB) rate is 1% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city.
- [Gorontalo vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/gorontalo/): Gorontalo's vehicle tax (PKB) rate is 1% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city. Check and pay annual tax in the national SIGNAL app, or at a Samsat office.
- [North Kalimantan vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/north-kalimantan/): 2% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city. Check the bill through eSamsat Kalimantan Utara or DG by Bankaltimtara, and pay annual tax there or in the national SIGNAL app.
- [West Sulawesi vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/west-sulawesi/): West Sulawesi's vehicle tax (PKB) rate is 1% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city.
- [Central Sulawesi vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/central-sulawesi/): Central Sulawesi's vehicle tax (PKB) rate is 1% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city.
- [Southeast Sulawesi vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/southeast-sulawesi/): 1/37 of 2026), plus a 66% opsen for the regency or city. Check the bill through Mobile Bapenda Sultra, and pay annual tax there or in the national SIGNAL app. Late payment incurs 1% interest a month for up to 24 months.
- [North Maluku vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/north-maluku/): 2% for a first vehicle, rising from 2% to 6% for second and later vehicles, plus a 66% opsen for the regency or city. Check and pay the bill at a Samsat office. Late payment incurs 1% interest a month for up to 24 months.
- [Papua vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/papua/): 05% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city. Check the bill through Simulasi Pajak Kendaraan Bermotor.
- [West Papua vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/west-papua/): 07% for a first vehicle, rising from 2% to 5% for second and later vehicles, plus a 66% opsen for the regency or city. Check and pay the bill at a Samsat office. Late payment incurs 1% interest a month for up to 24 months.
- [South Papua vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/south-papua/): 05% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city. Check and pay the bill at a Samsat office. Late payment incurs 1% interest a month for up to 24 months.
- [Central Papua vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/central-papua/): 05% for a first vehicle, with no progressive rate, plus a 66% opsen for the regency or city. Check and pay the bill at a Samsat office.
- [Central Kalimantan vehicle tax 2026: rates, online checks and payment](https://panduanwarga.org/en/vehicle-tax/central-kalimantan/): 904% after a governor’s decree of 24 December 2024 lowered the rate billed), plus a 66% opsen for the regency or city. Check the bill through Samsat Huma Betang, and pay annual tax there or in the national SIGNAL app.