Business · Economy · 18 hrs ago
BPJS Workers Can Withdraw 10% or 30% of JHT Savings While Employed
Indonesia’s BPJS Ketenagakerjaan allows some members to withdraw part of their Jaminan Hari Tua (JHT) savings without retiring or leaving their jobs.
Members who have participated for at least 10 years can claim 10% for retirement preparation or 30% to buy a home, either with cash or a mortgage.
The withdrawal is limited to those portions of the balance, not the full amount.
Applicants need documents such as their BPJS membership card and identity card; home-purchase claims require additional property or loan documents.
Members can apply through the JMO app, which lets them submit details and track their claim.
The stated processing time is usually one to three working days.
BPJS Ketenagakerjaan members may withdraw part of their JHT savings without retiring or leaving work.
The partial withdrawal is limited to 10% or 30% of the balance.
A 10% claim is intended for purposes such as preparing for retirement, while a 30% claim is for buying a home.
Members must have participated for at least 10 years to make a partial claim.
Applications can be made through the JMO app, and processing generally takes one to three working days.
- Who
- BPJS Ketenagakerjaan members who meet the partial-claim requirements.
- What
- They can withdraw 10% or 30% of their JHT savings without retiring or leaving work.
- When
- Members must have participated for at least 10 years. Processing generally takes one to three working days.
- Where
- In Indonesia, through BPJS Ketenagakerjaan’s JMO app or other listed online channels.
- Why
- The 10% withdrawal is for purposes such as preparing for retirement; the 30% withdrawal is for buying a home.
This story does not have two clearly opposing sides.
No direct quotes in the coverage so far.
Government Regulation No. 46/2015 set rules for JHT claims, which were updated by Government Regulation No. 60/2015.
CNBC Indonesia reported that eligible members can make partial JHT withdrawals without resigning.
- Partial claim
- 10% or 30% of the JHT balance
- Minimum participation
- 10 years
- 10% purpose
- Preparing for retirement
- 30% purpose
- Buying a home, in cash or through credit
- Typical processing time
- 1 to 3 working days
Sources
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