Perhitungan Persiapan Pra Pensiun dengan Metode Benefit Prorate tipe Constant Dollar untuk Pekerja di Wilayah Kota Tasikmalaya
DOI:
https://doi.org/10.17509/Keywords:
Benefit prorate, Constant Dollar, Pension Fund, Independent pre-retirement preparationAbstract
Pension funding programs are designed to secure living expenses during retirement. In Indonesia, the workforce is dominated by informal-sector employees. For instance, in Tasikmalaya, Indonesia, 79.09% of the workforce are working in informal sector. Most of these informal workers are not officially registered with any pension fund institution. This study calculates the benefit amount, present value, and pension contributions for a worker whose salary is assumed to be equal to the Tasikmalaya Minimum Wage, assuming a career spanning from age 23 to retirement at age 58. The study identifies a pre-retirement plan that requires the lowest possible contributions. The method used is Benefit Prorate Constant Dollar type. The analysis utilizes the 2026 Tasikmalaya Minimum Wage, an annual wage growth rate of 6.5%, the salary proportion for pension contributions is 4.75%, and an interest rate assumed to be 3.5%. These results indicate that calculating contributions based on the average salary earned over the final ten years of employment yields the lowest contribution amount. To receive a total benefit of IDR 210,709,080 upon retirement, an employee would need to make monthly contributions of IDR 793,393.9884 throughout their period of employment.
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Copyright (c) 2026 Rinda Arista, Fhani Mulyani Zenis, Sendari Novia (Author)
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