Editor’s note
- The KMG MERDEKA program makes it easier for civil servants and retirees to pay motor vehicle tax
- The program offers credit facilities of up to 9.9 million rupiah at 0% interest
- KMG MERDEKA, an innovation by the North Sumatra Regional Revenue Agency (Bapenda), boosts regional revenue
The KMG MERDEKA program makes it easier for civil servants and retirees to pay motor vehicle tax
The Regional Revenue Agency (Bapenda) of North Sumatra province (Sumut), in collaboration with Bank Sumut, is introducing the KMG MERDEKA program (Multi-Purpose Credit Supporting Motor Vehicle Tax Payment). This initiative aims to make it easier for civil servants (ASN), permanent employees of North Sumatra regional enterprises (BUMD) and Bank Sumut, as well as retired civil servants, to pay their motor vehicle tax (PKB) on time.
This program is one of the North Sumatra provincial government’s initiatives to accelerate the growth of regional revenue while simultaneously making the process easier for taxpayers.
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The Head of Bapenda North Sumatra, Sutan Tolang Lubis, stated that the KMG MERDEKA program demonstrates the North Sumatra provincial government’s commitment to accelerating regional revenue growth, particularly within the motor vehicle tax (PKB) sector.
Furthermore, the program is expected to assist civil servants (ASN), employees of North Sumatra regional enterprises (BUMD) and Bank Sumut, and retirees in meeting their tax obligations more easily.
“In addition to supporting the North Sumatra provincial government’s program to boost regional revenue, this naturally makes it easier for the public—specifically civil servants, employees of North Sumatra provincial-owned enterprises (BUMD), and retirees—to pay their motor vehicle tax,” he said on Saturday, September 26, 2026.
Credit facilities of up to 9.9 million rupiah at 0% interest
Through the KMG MERDEKA program, civil servants, employees of North Sumatra provincial BUMD and Bank Sumut, and retirees can apply for credit to pay their motor vehicle tax. This facility offers a credit limit of up to 9,900,000 rupiah with a maximum term of 12 months and 0% interest.
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According to Sutan, the facility offers the advantage that program participants do not have to make a lump-sum cash payment when the motor vehicle tax is due. Subsequent payments are made in installments based on the chosen credit term.
“The interest rate is 0 percent, with an administrative fee of only 5 percent of the total motor vehicle tax (PKB). The maximum amount we offer is based on the motor vehicle tax plus the 5 percent administrative fee. There are also options for the credit term: 6 months, 9 months, or a maximum of 12 months,” Sutan stated.
Sutan explained that the installment payment mechanism is also integrated with salary and TPP (performance allowance) payments via Bank Sumut’s payroll system. This enables participating civil servants to make their installment payments more regularly.
However, participants must still meet Bank Sumut’s credit requirements. One of these concerns vehicle ownership, for which the relevant tax must be paid.
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“There are still conditions to be met, including the requirement that the vehicle be registered in the name of the applicant or their spouse. Civil servants wishing to utilize this program then go through a series of administrative procedures, starting with a check on motor vehicle tax status, the credit application, verification and validation, and approval of the disbursement, among other steps,” he said.
KMG MERDEKA, an innovation by the North Sumatra Regional Revenue Agency (Bapenda Sumut), boosts regional revenue
KMG MERDEKA is one of the innovations introduced by Bapenda Sumut to accelerate regional revenue collection from motor vehicle tax (PKB). Previously, Bapenda Sumut had already launched various programs to increase compliance and awareness regarding tax obligations.
These include the ongoing “Gebyar Pajak” (Tax Prize Draw), a program offering a 57% discount on motor vehicle tax penalties, and the motor vehicle tax awareness campaign (GAS-KEN).
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Additionally, there is the “Samsat Berkah Malam” (Nighttime Samsat Blessings) program, which makes it easier for citizens to pay their motor vehicle tax (PKB) at night via the Samsat Malam bus service.
These various programs are designed to boost public motivation and awareness regarding the fulfillment of motor vehicle tax obligations, while simultaneously increasing regional revenue for the development of North Sumatra. ***rel
Catatan Redaksi
- Program KMG MERDEKA Mempermudah ASN dan Pensiunan Bayar Pajak Kendaraan
- Menyediakan Fasilitas Kredit hingga 9.9 Juta dengan Bunga 0%
- KMG MERDEKA Inovasi Bapenda Sumut Mendorong Pendapatan Daerah
Program KMG MERDEKA Mempermudah ASN dan Pensiunan Bayar Pajak Kendaraan
Badan Pendapatan Daerah (Bapenda) Provinsi Sumatera Utara (Sumut) bersama Bank Sumut menghadirkan program KMG MERDEKA (Kredit Multi Guna Mendukung Pembayaran Pajak Kendaraan Bermotor) untuk memudahkan Aparatur Sipil Negara (ASN), pegawai tetap BUMD Provinsi Sumut dan Bank Sumut, serta pensiunan ASN membayar Pajak Kendaraan Bermotor (PKB) tepat waktu.
Program tersebut menjadi salah satu upaya Pemprov Sumut mempercepat realisasi pendapatan daerah sekaligus memberikan kemudahan bagi wajib pajak.
Kepala Bapenda Sumut, Sutan Tolang Lubis mengatakan, program KMG MERDEKA merupakan bentuk keseriusan Pemprov Sumut dalam mendorong percepatan realisasi pendapatan daerah, khususnya dari sektor PKB.
Selain itu, program tersebut diharapkan membantu ASN, pegawai BUMD Provinsi Sumut dan Bank Sumut, serta pensiunan memenuhi kewajiban pajaknya secara lebih mudah.
“Tentunya selain juga untuk mendukung program Pemerintah Provinsi Sumatera Utara dalam meningkatkan pendapatan daerahnya juga untuk memudahkan masyarakat yang dalam hal ini ASN, Pegawai BUMD Provsu dan Pensiunan untuk membayar kewajiban Pajak Kendaraannya,” ujarnya, Sabtu, 26 September 2026.
Menyediakan Fasilitas Kredit hingga 9.9 Juta dengan Bunga 0%
Melalui program KMG MERDEKA, ASN, pegawai BUMD Provinsi Sumut dan Bank Sumut, serta pensiunan dapat mengajukan kredit untuk membayar pajak kendaraannya. Fasilitas tersebut menyediakan plafon kredit hingga Rp9.900.000 dengan tenor maksimal 12 bulan dan bunga 0%.
Menurut Sutan, fasilitas tersebut memberikan keuntungan karena peserta program tidak perlu menyediakan dana tunai sekaligus saat jatuh tempo pembayaran PKB. Pembayaran selanjutnya dilakukan melalui mekanisme angsuran sesuai tenor kredit yang dipilih.
“Bunga 0 persen, hanya ada biaya administrasi sebesar 5 persen dari total tagihan Pajak Kendaraan Bermotor (PKB). Plafon yang kita sediakan sesuai dengan tagihan Pajak Kendaraan ditambah biaya administrasi yang 5 persen tadi. Kemudian untuk jangka waktu kreditnya ada pilihan, bisa 6 bulan, 9 bulan atau maksimal 12 bulan,” tutur Sutan.
Sutan menjelaskan, mekanisme pembayaran angsuran juga terintegrasi dengan pembayaran gaji dan TPP melalui payroll Bank Sumut. Dengan demikian, ASN yang mengikuti program tersebut dapat melakukan pembayaran angsuran secara lebih teratur.
Meski demikian, peserta tetap harus memenuhi syarat dan ketentuan kredit yang ditetapkan Bank Sumut. Salah satunya terkait kepemilikan kendaraan yang menjadi objek pembayaran pajak.
“Tetap ada ketentuan yang harus dipenuhi, kriteria kendaraan yang dimiliki terdaftar atas nama pemohon atau pasangan keluarga. Lalu nantinya ASN yang ingin memanfaatkan program ini akan melalui rangkaian proses administrasi mulai dari cek tagihan pajak kendaraan, permohonan pengajuan kredit, verifikasi dan validasi, serta persetujuan pencairan dan seterusnya,” katanya.
KMG MERDEKA Inovasi Bapenda Sumut Mendorong Pendapatan Daerah
KMG MERDEKA merupakan salah satu inovasi Bapenda Sumut dalam mendorong percepatan realisasi pendapatan daerah dari sektor PKB. Sebelumnya, Bapenda Sumut juga menghadirkan sejumlah program untuk meningkatkan kepatuhan dan kesadaran masyarakat dalam membayar pajak kendaraan.
Di antaranya program Undian Berhadiah Gebyar Pajak yang masih berlangsung, program DISKON 57% untuk Denda Pajak Kendaraan Bermotor, serta Gerakan Sadar Pajak Kendaraan (GAS-KEN). Selain itu, terdapat Program Samsat Berkah Malam yang memberikan kemudahan kepada masyarakat untuk membayar PKB pada malam hari melalui layanan Bus Samsat Malam.
Berbagai program tersebut dihadirkan untuk meningkatkan motivasi dan kesadaran masyarakat dalam memenuhi kewajiban Pajak Kendaraan Bermotor sekaligus mendukung peningkatan pendapatan daerah untuk pembangunan Sumatera Utara. ***rel
