Cara Pinjam Uang dari BPJS Ketenagakerjaan dan Persyaratannya
Bagi para pekerja yang terdaftar sebagai peserta Jaminan Sosial Tenaga Kerja (Jamsostek), ada kesempatan untuk meminjam uang dari Badan Penyelenggara Jaminan Sosial atau BPJS Ketenagakerjaan melalui program Dana Siaga. Proses pengajuan kredit dapat dilakukan secara daring (online) melalui aplikasi Jamsostek Mobile (JMO) yang dapat diakses melalui ponsel pintar (smartphone).
Pertanyaan selanjutnya adalah, bagaimana sebenarnya cara meminjam uang dari BPJS Ketenagakerjaan dan apa saja syaratnya?
Syarat Meminjam Uang dari BPJS Ketenagakerjaan
Harap dicatat bahwa jenis kepesertaan di BPJS Ketenagakerjaan dibagi menjadi tiga kategori, yaitu:
- Pekerja Penerima Upah: Termasuk dalam kategori ini adalah individu yang bekerja dan menerima upah, gaji, imbalan, atau bentuk kompensasi lainnya dari pemberi kerja, seperti buruh pabrik dan pekerja
- kantoran. Manfaat yang diberikan mencakup Jaminan Hari Tua (JHT), Jaminan Kecelakaan Kerja (JKK), Jaminan Kematian (JK), Jaminan Pensiun (JP), dan Jaminan Kehilangan Pekerjaan (JKP).
- Pekerja Bukan Penerima Upah: Kategori ini mencakup individu yang melakukan usaha mandiri untuk menghasilkan pendapatan, seperti pedagang dan petani. Jaminan yang diberikan termasuk JHT, JKK, dan JK.
- Pekerja Jasa Konstruksi: Bagi pekerja yang bekerja dalam sektor layanan jasa konsultasi perencanaan, pelaksanaan, atau pengawasan pekerjaan konstruksi, mereka akan menerima JK dan JKK.
Melalui program Dana Siaga, para pekerja dapat meminjam uang tunai dari program Jamsostek untuk memenuhi kebutuhan mendesak.
Berikut adalah syarat-syarat untuk meminjam dana dari BPJS Ketenagakerjaan:
- Pengajuan hanya dapat dilakukan melalui aplikasi JMO.
- Peserta harus memiliki rekening payroll di Bank Rakyat Indonesia (BRI) atau Bank RAYA.
- Pendapatan bulanan peserta minimal sebesar Rp3 juta.
- Usia peserta tidak lebih dari 55 tahun.
- Peserta harus memiliki pengalaman kerja selama lebih dari 2 tahun di perusahaan terakhir.
- Peserta harus aktif dalam membayar iuran BPJamsostek.
- Plafon pinjaman dari BPJS Ketenagakerjaan berkisar antara Rp500 ribu hingga Rp25 juta, dengan tenor hingga 18 bulan.
- Bunga yang dikenakan adalah sebesar 1,24 persen flat per bulan.
- Peserta akan menerima manfaat sebesar Rp25 ribu yang akan dikreditkan ke rekening payroll BRI atau Bank RAYA.
Cara Meminjam Uang dari BPJS Ketenagakerjaan
Langkah-langkah pengajuan Dana Siaga Jamsostek, seperti yang dijelaskan di laman resmi BPJS Ketenagakerjaan, adalah sebagai berikut:
- Instal aplikasi JMO melalui Google Play Store atau App Store.
- Buat akun dengan memilih menu ‘Daftar Sekarang’.
- Masuk ke akun (login) dengan nomor handphone yang telah didaftarkan.
- Buka halaman beranda aplikasi JMO dan pilih menu ‘Dana Siaga’.
- Pilih opsi ‘Mitra Penyedia Dana Siaga’.
- Klik ‘Ajukan Sekarang’.
- Isi formulir termasuk informasi nomor rekening untuk pengiriman gaji.
- Verifikasi formulir pengajuan pinjaman uang dari BPJS Ketenagakerjaan.
- Pastikan data yang telah diisi benar.
- Pengajuan akan dianalisis.
- Periksa hasil analisis pinjaman dan klik ‘Terima Tawaran’.
- Jika disetujui, uang tunai akan dikirimkan ke rekening BRI atau Bank RAYA.
Itulah cara lengkap untuk meminjam uang dari BPJS Ketenagakerjaan. Jika Anda mengalami kendala atau memiliki pertanyaan mengenai syarat dan ketentuan yang berlaku, peserta Jamsostek dapat menghubungi layanan Tanya BPJAMSOSTEK 175 atau menghubungi melalui WhatsApp (WA) di nomor 0813-8007-0175.
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