Dana Pensiun -IKNB | Ekonomi Kelas X (Kurikulum Sekolah Penggerak) | EDURAYA MENGAJAR

Summary

This video provides an in-depth exploration of non-bank financial institutions (IKNB) in Indonesia, focusing on pension funds. It covers three main types of pension funds: Dana Pensiun Pemberi Kerja (DPPK), Dana Pensiun Lembaga Keuangan (DPLK), and employer-based pension funds tied to profits. The video explains how each fund works, highlighting their contribution mechanisms, eligibility, and benefits for employees. Viewers are encouraged to consider preparing for retirement early and are invited to learn about other IKNB types in future videos.

Takeaways

• 😀 Pension funds are non-bank financial institutions (IKNB) that help secure financial stability after retirement.
• 😀 There are two main types of pension fund programs in Indonesia: Program Pensiun Manfaat Pasti (PPMP) and Program Pensiun Iuran Pasti (PPIP).
• 😀 PPMP benefits are determined based on regulations, employee salary, and tenure, with contributions deducted from employees' salaries.
• 😀 PPIP benefits depend on the performance of the investments and involve contributions from both employees and employers.
• 😀 Dana Pensiun Pemberi Kerja (DPPK) is a pension fund managed by the employer and can also include employees from other companies.
• 😀 DPPK offers both PPMP and PPIP programs, with the funds available for withdrawal when employees retire or resign.
• 😀 Dana Pensiun Lembaga Keuangan (DPLK) is managed by banks or insurance companies and only offers the PPIP program.
• 😀 DPLK programs are open to individuals, employees, and even independent workers like entrepreneurs.
• 😀 The contributions to DPLK come from employee salary deductions and employer contributions, and the funds grow through investments.
• 😀 The pension funds in DPLK can be withdrawn when a participant reaches the normal retirement age of 55 or in cases of early retirement or death.
• 😀 Employers can also create profit-based pension funds, where the employer contributes according to a formula linked to the company’s profits.

Q & A

What is the main focus of this video?

The video focuses on explaining the types of non-bank financial institutions (IKNB), specifically pension funds, and how they operate in Indonesia.

What is the function of a pension fund?

A pension fund provides financial security for individuals during their retirement or when they are no longer productive in the workforce.

What are the two main types of pension programs in Indonesia?

The two main types of pension programs are the Defined Benefit Pension Plan (PPMP) and the Defined Contribution Pension Plan (PPIP).

What is the key difference between PPMP and PPIP?

PPMP provides fixed benefits based on regulations and employee salary, while PPIP determines benefits from investment growth, with contributions made by both the employee and the employer.

How is a pension fund managed in a DPPK (Employer-Paid Pension Fund)?

In a DPPK, the employer manages the pension fund, which includes both the employer's and employee's contributions. Employees can access their pension when they retire or resign.

Who can participate in a DPPK pension program?

Employees of the company offering the DPPK can participate, and even employees from other companies can join as well.

What distinguishes a DPLK (Financial Institution Pension Fund) from a DPPK?

A DPLK is managed by a financial institution like a bank or insurance company, and it only offers Defined Contribution Pension Plans (PPIP), unlike DPPK which can offer both PPMP and PPIP.

Can individuals, such as entrepreneurs, participate in a DPLK?

Yes, individuals like freelancers, self-employed workers, and entrepreneurs can participate in a DPLK pension program.

When can the funds in a DPLK pension account be accessed?

DPLK funds can be accessed when the participant reaches retirement age (typically 55 years old), or in cases of early retirement or death.

How does a pension fund based on profits work?

A profit-based pension fund, managed by the employer, relies on contributions from the employer and is calculated based on the company's profit, not employee salary or contributions.

What advice does the video give regarding pension preparation?

The video encourages viewers to start preparing for their retirement early by setting up a pension plan.