This study endeavors to comprehensively explore the management of retirement credit (KPB) for pensioners within the precincts of the Bank Jabar Banten (BJB) Soreang Branch Office. Employing a holistic research approach, this investigation amalgamates both quantitative and qualitative methodologies, with a focal point on descriptive analysis. The empirical data was meticulously acquired through a combination of observations and insightful interviews conducted with the dedicated Bank personnel. The findings unveil a pensioner count of 5,000, a notable subset of which, namely 3,000 pensioners, are actively enrolled in the post-service credit facility (KPB). Evidently, this credit facility thrives, as underscored by its widespread popularity among the retired demographic. A pivotal aspect of this success can be attributed to the HEPI (Provision and Insurance Cost Savings) initiative, meticulously designed by the Bank to ensure the financial well-being of retirees. This inventive program assumes the onus of bearing 100% of the provision and insurance costs, solidifying the Bank's commitment. Presently, the retirement credit (KPB) scheme experiences oscillations in interest rates. Newly initiated loans command an 11.5% interest rate, while those undergoing rehabilitation—a process that entails replacing old credit arrangements with new ones—entail a 12% interest rate. This intriguing landscape underscores the dynamic nature of the pensioner credit domain.

Link Publikasi : https://drive.google.com/file/d/13q-g8NkCBqrAVr7T5zkagBeVmPW8m3-P/view?usp=sharing