{"id":6478,"date":"2025-03-23T12:00:01","date_gmt":"2025-03-23T05:00:01","guid":{"rendered":"https:\/\/skorlife.com\/blog\/?p=6478"},"modified":"2026-08-23T14:04:42","modified_gmt":"2026-08-23T07:04:42","slug":"tabel-pinjaman-bpjs-ketenagakerjaan","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/pinjol-kta\/tabel-pinjaman-bpjs-ketenagakerjaan\/","title":{"rendered":"Tabel Pinjaman BPJS Ketenagakerjaan 2026 (Dana Siaga) Lengkap"},"content":{"rendered":"<p><!-- fs-anchor 2026-08-20 --><\/p>\n<div class=\"aio-answer-block\" style=\"background:#f7f8fa;padding:1rem 1.25rem;border-left:4px solid #1e6091;border-radius:0.25rem;margin:1rem 0;\">\n<p><strong>Jawaban singkat:<\/strong> Tabel pinjaman BPJS Ketenagakerjaan merujuk pada program Dana Siaga, kerja sama BPJS Ketenagakerjaan dengan Bank Raya melalui produk Pinang Flexi. Plafon tersedia Rp500 ribu hingga Rp25 juta dengan bunga 1,24% flat per bulan dan tenor maksimal 18 bulan. Contoh cicilan: pinjaman Rp5 juta dapat dicicil Rp867.000\/bulan untuk 6 bulan, Rp447.667\/bulan untuk 12 bulan, atau Rp308.444\/bulan untuk 18 bulan. Program ini diawasi OJK dan menggunakan sistem payroll gaji sebagai jaminan.<\/p>\n<\/div>\n<table border=\"1\" cellpadding=\"8\" cellspacing=\"0\" style=\"border-collapse:collapse;width:100%;max-width:600px;\">\n<thead>\n<tr style=\"background-color:#f4f4f4;\">\n<th>Jumlah Pinjaman<\/th>\n<th>Cicilan 6 Bulan<\/th>\n<th>Cicilan 12 Bulan<\/th>\n<th>Cicilan 18 Bulan<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Rp1.000.000<\/td>\n<td>Rp173.400<\/td>\n<td>Rp89.533<\/td>\n<td>Rp61.689<\/td>\n<\/tr>\n<tr>\n<td>Rp5.000.000<\/td>\n<td>Rp867.000<\/td>\n<td>Rp447.667<\/td>\n<td>Rp308.444<\/td>\n<\/tr>\n<tr>\n<td>Rp10.000.000<\/td>\n<td>Rp1.734.000<\/td>\n<td>Rp895.333<\/td>\n<td>Rp616.889<\/td>\n<\/tr>\n<tr>\n<td>Rp15.000.000<\/td>\n<td>Rp2.601.000<\/td>\n<td>Rp1.343.000<\/td>\n<td>Rp925.333<\/td>\n<\/tr>\n<tr>\n<td>Rp20.000.000<\/td>\n<td>Rp3.468.000<\/td>\n<td>Rp1.790.667<\/td>\n<td>Rp1.233.778<\/td>\n<\/tr>\n<tr>\n<td>Rp25.000.000<\/td>\n<td>Rp4.335.000<\/td>\n<td>Rp2.238.333<\/td>\n<td>Rp1.542.222<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div class=\"skor-app-cta\" style=\"background:#e8f4fb;border-left:4px solid #0674ff;padding:1rem 1.25rem;border-radius:0.25rem;margin:1rem 0;\">\n<p><strong>Sebelum ajukan pinjaman, cek dulu skor kredit kamu gratis di aplikasi Skorlife \u2014 bank pakai data yang sama.<\/strong><\/p>\n<p><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.skorlife.score&#038;utm_source=blog-cta&#038;utm_medium=aio-block&#038;utm_campaign=tabel-pinjaman-bpjs-ketenagakerjaan\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\">\ud83d\udcf1 Unduh di Play Store<\/a> \u00b7 <a href=\"https:\/\/apps.apple.com\/id\/app\/skorlife\/id1643472756?utm_source=blog-cta&#038;utm_medium=aio-block&#038;utm_campaign=tabel-pinjaman-bpjs-ketenagakerjaan\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\">\ud83c\udf4e Unduh di App Store<\/a><\/p>\n<\/div>\n<p class=\"fs-lead\">Tabel pinjaman BPJS Ketenagakerjaan 2026 merujuk pada program Dana Siaga, kerja sama dengan Bank Raya melalui produk Pinang Flexi yang menawarkan plafon Rp500 ribu hingga Rp25 juta. Bunga program ini 1,24% flat per bulan dengan tenor maksimal 18 bulan, misalnya pinjaman Rp5 juta bisa dicicil mulai Rp308 ribu per bulan untuk 18 bulan. Program diawasi OJK ini menggunakan sistem payroll gaji sebagai jaminan dengan proses pencairan cepat dan aman.<\/p>\n<p>Inilah tabel pinjaman BPJS Ketenagakerjaan yang bisa menjadi pilihan untuk memperoleh dana tambahan untuk berbagai keperluan.<\/p>\n<table border=\"1\" cellpadding=\"8\" cellspacing=\"0\" style=\"border-collapse:collapse; width:100%; max-width:600px;\">\n<thead>\n<tr>\n<th>Jumlah Pinjaman<\/th>\n<th>Cicilan 6 Bulan<\/th>\n<th>Cicilan 12 Bulan<\/th>\n<th>Cicilan 18 Bulan<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Rp1.000.000<\/td>\n<td>Rp173.400<\/td>\n<td>Rp89.533<\/td>\n<td>Rp61.689<\/td>\n<\/tr>\n<tr>\n<td>Rp5.000.000<\/td>\n<td>Rp867.000<\/td>\n<td>Rp447.667<\/td>\n<td>Rp308.444<\/td>\n<\/tr>\n<tr>\n<td>Rp10.000.000<\/td>\n<td>Rp1.734.000<\/td>\n<td>Rp895.333<\/td>\n<td>Rp616.889<\/td>\n<\/tr>\n<tr>\n<td>Rp15.000.000<\/td>\n<td>Rp2.601.000<\/td>\n<td>Rp1.343.000<\/td>\n<td>Rp925.333<\/td>\n<\/tr>\n<tr>\n<td>Rp20.000.000<\/td>\n<td>Rp3.468.000<\/td>\n<td>Rp1.790.667<\/td>\n<td>Rp1.233.778<\/td>\n<\/tr>\n<tr>\n<td>Rp25.000.000<\/td>\n<td>Rp4.335.000<\/td>\n<td>Rp2.238.333<\/td>\n<td>Rp1.542.222<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!--more--><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Ada masanya kebutuhan mendesak datang pada waktu yang salah. Mau tidak mau, kadang kita harus mencari pinjaman untuk sekadar bertahan sampai gajian berikutnya tiba. <\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Akan tetapi, memilih pinjaman pun tak boleh asal. Bunga mencekik dan proses ribet justru bisa bikin tambah stres. <\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kabar baiknya, kini ada solusi dari BPJS Ketenagakerjaan lewat program Dana Siaga. <\/span><span style=\"font-weight: 400;\">Program ini menawarkan pinjaman online dengan proses yang simpel dan bunga bersahabat. <\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Nah, supaya kamu makin paham, simak ulasan lengkap dan tabel pinjaman BPJS Ketenagakerjaan berikut ini. <\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/skorlife.com\/blog\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">Blog Skorlife<\/a> merangkum informasi dari berbagai sumber tepercaya.<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Apa Itu Dana Siaga BPJS Ketenagakerjaan?<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Dana Siaga adalah program pinjaman <em>online<\/em> hasil kerja sama BPJS Ketenagakerjaan dengan Bank Raya lewat produk Pinang Flexi. <\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Tenang, produk keuangan ini sudah diawasi oleh Otoritas Jasa Keuangan (OJK), jadi lebih aman. Kamu tidak perlu khawatir.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Program ini hadir buat membantu kamu yang butuh dana cepat tanpa harus terjerat bunga tinggi seperti di pinjaman <em>online<\/em> abal-abal.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Plafon pinjamannya mulai dari Rp500 ribu hingga Rp25 juta, dengan tenor maksimal 18 bulan. Bunganya pun terbilang ringan, cuma 1,24% flat per bulan. <\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Dengan sistem <em>payroll<\/em> gaji sebagai jaminan, proses pencairan dana pinjaman ini jauh lebih cepat dan aman.<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Tabel Pinjaman BPJS Ketenagakerjaan (Dana Siaga)<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Biar kamu bisa melakukan perhitungan dari awal, berikut ini tabel pinjaman BPJS Ketenagakerjaan yang bisa jadi acuan sebelum mengajukan:<\/span><\/p>\n<table class=\" alignleft\">\n<tbody>\n<tr>\n<td><b>Jumlah Pinjaman<\/b><\/td>\n<td><b>6 Bulan<\/b><\/td>\n<td><b>12 Bulan<\/b><\/td>\n<td><b>18 Bulan<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">173.400<\/span><\/td>\n<td><span style=\"font-weight: 400;\">89.533<\/span><\/td>\n<td><span style=\"font-weight: 400;\">61.689<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">346.800<\/span><\/td>\n<td><span style=\"font-weight: 400;\">179.067<\/span><\/td>\n<td><span style=\"font-weight: 400;\">123.378<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">520.200<\/span><\/td>\n<td><span style=\"font-weight: 400;\">268.600<\/span><\/td>\n<td><span style=\"font-weight: 400;\">185.067<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">693.600<\/span><\/td>\n<td><span style=\"font-weight: 400;\">358.133<\/span><\/td>\n<td><span style=\"font-weight: 400;\">246.756<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">867.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">447.667<\/span><\/td>\n<td><span style=\"font-weight: 400;\">308.444<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">6.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.040.400<\/span><\/td>\n<td><span style=\"font-weight: 400;\">537.200<\/span><\/td>\n<td><span style=\"font-weight: 400;\">370.133<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">7.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.213.800<\/span><\/td>\n<td><span style=\"font-weight: 400;\">626.733<\/span><\/td>\n<td><span style=\"font-weight: 400;\">431.822<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">8.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.387.200<\/span><\/td>\n<td><span style=\"font-weight: 400;\">716.267<\/span><\/td>\n<td><span style=\"font-weight: 400;\">493.511<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">9.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.560.600<\/span><\/td>\n<td><span style=\"font-weight: 400;\">805.800<\/span><\/td>\n<td><span style=\"font-weight: 400;\">555.200<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">10.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.734.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">895.333<\/span><\/td>\n<td><span style=\"font-weight: 400;\">616.889<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">11.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.907.400<\/span><\/td>\n<td><span style=\"font-weight: 400;\">984.867<\/span><\/td>\n<td><span style=\"font-weight: 400;\">678.578<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">12.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.080.800<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.074.400<\/span><\/td>\n<td><span style=\"font-weight: 400;\">740.267<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">13.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.254.200<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.163.933<\/span><\/td>\n<td><span style=\"font-weight: 400;\">801.956<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">14.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.427.600<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.253.467<\/span><\/td>\n<td><span style=\"font-weight: 400;\">863.644<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">15.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.601.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.343.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">925.333<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">16.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.774.400<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.432.533<\/span><\/td>\n<td><span style=\"font-weight: 400;\">987.022<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">17.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.947.800<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.522.067<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.048.711<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">18.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.121.200<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.611.600<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.110.400<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">19.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.294.600<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.701.133<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.172.089<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">20.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.468.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.790.667<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.233.778<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">21.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.641.400<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.880.200<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.295.467<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">22.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.814.800<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.969.733<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.357.156<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">23.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.988.200<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.059.267<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.418.844<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">24.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.161.600<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.148.800<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.480.533<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">25.000.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.335.000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.238.333<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1.542.222<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2026\/06\/tabel-pinjaman-bpjs-ketenagakerjaan-body1.png\" alt=\"Tabel Pinjaman BPJS Ketenagakerjaan dan Cara Mengajukannya \u2014 ilustrasi 1\" style=\"width:100%;height:auto;border-radius:12px;margin:18px 0\" \/><\/figure>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2026\/06\/tabel-pinjaman-bpjs-ketenagakerjaan-body2.png\" alt=\"Tabel Pinjaman BPJS Ketenagakerjaan dan Cara Mengajukannya \u2014 ilustrasi 2\" style=\"width:100%;height:auto;border-radius:12px;margin:18px 0\" \/><\/figure>\n<p>&nbsp;<\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Dengan melihat tabel pinjaman BPJS Ketenagakerjaan di atas, kamu bisa menyesuaikan jumlah pinjaman dan tenor sesuai kemampuan bayar. <\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Penting banget buat berpikir matang biar cicilan tiap bulan malah <em>nggak<\/em> menambah beban hidup.<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Syarat Pengajuan Dana Siaga BPJS Ketenagakerjaan<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Program ini <em>nggak<\/em> sembarang bisa diajukan, ada beberapa syarat yang wajib kamu penuhi:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Peserta aktif BPJS Ketenagakerjaan tanpa tunggakan iuran<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gaji minimal Rp3.000.000 per bulan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Usia maksimal 55 tahun<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Masa kerja minimal 2 tahun di perusahaan yang sama<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Punya rekening gaji di Bank BRI atau Bank Raya<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kalau semua syarat di atas aman, kamu tinggal lanjut ke proses pengajuan lewat aplikasi.<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Cara Ajukan Pinjaman Dana Siaga BPJS Ketenagakerjaan<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Berikut langkah-langkahnya supaya <em>nggak<\/em> bingung:<\/span><\/p>\n<ol style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><em>Download<\/em> aplikasi JMO di <em>smartphone<\/em> kamu<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Login dan pilih menu \u201cDana Siaga\u201d<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pilih mitra penyedia dana, yaitu Bank Raya<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Baca syarat dan ketentuannya<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Isi formulir pengajuan dengan lengkap, termasuk rekening gaji<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tunggu verifikasi dari Bank Raya<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kalau disetujui, tinggal klik \u201cTerima Tawaran\u201d dan dana cair ke rekening<\/span><\/li>\n<\/ol>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Prosesnya simpel banget, cocok buat kamu yang butuh dana cepat tanpa ribet.<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Keuntungan Mengajukan Dana Siaga BPJS Ketenagakerjaan<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Program Dana Siaga BPJS Ketenagakerjaan bisa jadi pilihan yang jauh lebih aman dan logis dibanding pinjaman <em>online<\/em> lain. <\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Proses pengajuannya mudah karena cukup lewat aplikasi, tanpa ribet harus datang ke kantor. Bunga yang ditawarkan juga ringan, hanya 1,24% flat per bulan, sehingga cicilannya tetap terjangkau.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Plafon pinjaman yang disediakan pun cukup besar, mencapai Rp25 juta, dan bisa disesuaikan dengan gaji serta kemampuan bayar kamu. <\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Program pinjaman ini\u00a0 diawasi OJK, jadi aman dan legal buat kamu yang membutuhkan dana dalam waktu yang cepat.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Di tengah kebutuhan mendesak, Dana Siaga BPJS Ketenagakerjaan bisa jadi solusi finansial yang aman dan terpercaya, apalagi buat kamu yang sudah terdaftar sebagai peserta. <\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Sebelum buru-buru ambil pinjaman di aplikasi pinjol, cek dulu tabel pinjaman BPJS Ketenagakerjaan dan sesuaikan dengan kebutuhanmu. <\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kalau kamu ingin tahu lebih banyak soal usaha kecil dan pinjaman bank, langsung saja cek artikel terbaru di <\/span><a href=\"https:\/\/skorlife.com\/blog\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\"><span style=\"font-weight: 400;\">blog Skorlife<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Sebelum ajukan Kredit Pemilikan Apartemen (KPA) ke bank, pastikan cek dulu skor kreditmu lewat <\/span><a href=\"https:\/\/skorlife-link.onelink.me\/2qtz?af_xp=app&amp;pid=Cross_sale&amp;c=Generic&amp;deep_link_value=utm_source%253Dblog%2526utm_medium%253Dads%2526utm_campaign%253Dnewusers%2526utm_content%253bloggeneral\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">aplikasi Skorlife<\/span><\/a><span style=\"font-weight: 400;\"> supaya proses pengajuan lebih mudah disetujui.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Nikmati kemudahan transaksi <em>online<\/em> dan <em>offline<\/em> dengan kartu kredit <\/span><a href=\"https:\/\/skorcard.app\/\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">Mayapada Skorcard<\/span><\/a><span style=\"font-weight: 400;\"> yang bisa membantu mengatur keuanganmu setiap bulannya.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Jangan lupa rencanakan liburan bareng orang terdekat dan baca panduan perjalanan terbaik dari <\/span><a href=\"https:\/\/apps.apple.com\/id\/app\/skorcard-credit-card\/id6476194088?mt=8\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">blog Skorcard<\/span><\/a><span style=\"font-weight: 400;\"> sebelum berangkat. Mau liburan ke China atau Korea Selatan?<\/span><\/p>\n<hr \/>\n<p><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"HowTo\", \"name\": \"Cara Ajukan Dana Siaga BPJS Ketenagakerjaan\", \"step\": [{\"@type\": \"HowToStep\", \"name\": \"Download aplikasi JMO\", \"text\": \"Unduh aplikasi JMO di smartphone dan login menggunakan akun BPJS Ketenagakerjaan aktif.\", \"position\": 1}, {\"@type\": \"HowToStep\", \"name\": \"Pilih menu Dana Siaga\", \"text\": \"Setelah login, pilih menu 'Dana Siaga' dan pilih mitra penyedia dana yaitu Bank Raya.\", \"position\": 2}, {\"@type\": \"HowToStep\", \"name\": \"Isi formulir pengajuan\", \"text\": \"Baca syarat dan ketentuan, lalu isi formulir pengajuan dengan lengkap termasuk data rekening gaji di Bank BRI atau Bank Raya.\", \"position\": 3}, {\"@type\": \"HowToStep\", \"name\": \"Tunggu verifikasi dan pencairan\", \"text\": \"Tunggu proses verifikasi dari Bank Raya. Kalau disetujui, klik 'Terima Tawaran' dan dana akan cair ke rekening.\", \"position\": 4}]}<\/script><\/p>\n<hr \/>\n<h2>Pertanyaan yang Sering Diajukan (FAQ)<\/h2>\n<h3>Berapa bunga pinjaman Dana Siaga BPJS Ketenagakerjaan?<\/h3>\n<p>Bunga Dana Siaga BPJS Ketenagakerjaan adalah 1,24% flat per bulan. Program ini diawasi OJK sehingga aman dan legal.<\/p>\n<h3>Berapa plafon maksimal pinjaman BPJS Ketenagakerjaan?<\/h3>\n<p>Plafon pinjaman Dana Siaga mulai dari Rp500 ribu hingga maksimal Rp25 juta dengan tenor cicilan 6, 12, atau 18 bulan, disesuaikan dengan gaji dan kemampuan bayar.<\/p>\n<h3>Apa syarat mengajukan Dana Siaga BPJS Ketenagakerjaan?<\/h3>\n<p>Syarat utama: peserta aktif BPJS Ketenagakerjaan tanpa tunggakan, gaji minimal Rp3 juta per bulan, usia maksimal 55 tahun, masa kerja minimal 2 tahun di perusahaan sama, dan punya rekening gaji di Bank BRI atau Bank Raya.<\/p>\n<h3>Berapa cicilan bulanan pinjaman Rp10 juta Dana Siaga?<\/h3>\n<p>Untuk pinjaman Rp10 juta, cicilan bulanan adalah Rp1.734.000 untuk tenor 6 bulan, Rp895.333 untuk 12 bulan, atau Rp616.889 untuk tenor 18 bulan.<\/p>\n<h3>Berapa cicilan pinjaman Rp1 juta BPJS Ketenagakerjaan?<\/h3>\n<p>Pinjaman Rp1 juta dapat dicicil Rp173.400\/bulan untuk 6 bulan, Rp89.533\/bulan untuk 12 bulan, atau Rp61.689\/bulan untuk 18 bulan.<\/p>\n<p><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Berapa bunga pinjaman Dana Siaga BPJS Ketenagakerjaan?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Bunga Dana Siaga BPJS Ketenagakerjaan adalah 1,24% flat per bulan. Program ini diawasi OJK sehingga aman dan legal.\"}}, {\"@type\": \"Question\", \"name\": \"Berapa plafon maksimal pinjaman BPJS Ketenagakerjaan?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Plafon pinjaman Dana Siaga mulai dari Rp500 ribu hingga maksimal Rp25 juta dengan tenor cicilan 6, 12, atau 18 bulan, disesuaikan dengan gaji dan kemampuan bayar.\"}}, {\"@type\": \"Question\", \"name\": \"Apa syarat mengajukan Dana Siaga BPJS Ketenagakerjaan?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Syarat utama: peserta aktif BPJS Ketenagakerjaan tanpa tunggakan, gaji minimal Rp3 juta per bulan, usia maksimal 55 tahun, masa kerja minimal 2 tahun di perusahaan sama, dan punya rekening gaji di Bank BRI atau Bank Raya.\"}}, {\"@type\": \"Question\", \"name\": \"Berapa cicilan bulanan pinjaman Rp10 juta Dana Siaga?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Untuk pinjaman Rp10 juta, cicilan bulanan adalah Rp1.734.000 untuk tenor 6 bulan, Rp895.333 untuk 12 bulan, atau Rp616.889 untuk tenor 18 bulan.\"}}, {\"@type\": \"Question\", \"name\": \"Berapa cicilan pinjaman Rp1 juta BPJS Ketenagakerjaan?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pinjaman Rp1 juta dapat dicicil Rp173.400\/bulan untuk 6 bulan, Rp89.533\/bulan untuk 12 bulan, atau Rp61.689\/bulan untuk 18 bulan.\"}}]}<\/script><\/p>\n<p>Untuk rujukan resmi dan informasi terbaru, kamu bisa cek langsung situs <a href=\"https:\/\/kemnaker.go.id\/\" rel=\"noopener external noreferrer\" target=\"_blank\" data-wpel-link=\"external\">Kementerian Ketenagakerjaan<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jawaban singkat: Tabel pinjaman BPJS Ketenagakerjaan merujuk pada program Dana Siaga, kerja sama BPJS Ketenagakerjaan dengan Bank Raya melalui produk<\/p>\n","protected":false},"author":15,"featured_media":6549,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","footnotes":"","jetpack_post_was_ever_published":false},"categories":[12],"tags":[38],"class_list":["post-6478","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pinjol-kta","tag-kredit"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tabel Pinjaman BPJS Ketenagakerjaan 2026 (Dana Siaga) Lengkap<\/title>\n<meta name=\"description\" content=\"Tabel pinjaman BPJS Ketenagakerjaan (Dana Siaga) 2026: plafon Rp500 ribu-Rp25 juta, bunga 1,24% flat\/bulan, tenor 6-18 bulan. 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