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| Business Opportunities for Retired Civil Servants in West Kalimantan: Easy Capital Access from Bank Kalbar, Guided by the West Kalimantan Government. |
Retirement doesn’t mean the end of being productive. In fact, it can be the beginning of an exciting new journey—especially in the world of entrepreneurship. Many retirees choose to start small businesses, whether to supplement their income or stay socially active. The good news is, the West Kalimantan Government (Pemprov Kalbar) is fully supporting this effort through accessible capital programs offered by Bank Kalbar.
Pemprov Kalbar Encourages Retired Civil Servants to Stay Active
During a preparatory event for civil servants nearing retirement in the West Kalimantan Provincial Government, held at Aula Garuda, Kalbar Governor’s Office on Thursday, May 8, 2025, Governor of West Kalimantan, Drs. Ria Norsan MM, MH, delivered a motivating message.
He encouraged retirees not to stay idle at home but to remain active doing things they enjoy. “After retirement, don’t just sit around at home. Stay active doing what you love—join religious gatherings, community activities, and so on,” said the Governor of Kalbar.
The West Kalimantan Government is not just offering motivation, but also a real solution in the form of easy business capital access through Bank Kalbar.
KUR: A Practical Funding Solution to Start Your Business
One of the main support programs from Bank Kalbar for retired civil servants (pensiunan ASN Kalbar) is the People’s Business Credit (KUR) program. This initiative is ideal for anyone looking to start a small business, especially those transitioning into retirement and aiming for financial independence.
KUR offers a relatively low annual interest rate—around 6%. For example, if you take a loan of IDR 30 million, the yearly interest would be approximately IDR 900,000. That makes it a practical and affordable option for first-time entrepreneurs.
With KUR, retirees can start a variety of small businesses—mini grocery stores, catering services, home-based crafts, laundry services, fish farming, or any other passion-driven project.
Bank Kalbar Offers Guidance, Not Just Loans
More than just a loan provider, Bank Kalbar is committed to guiding and supporting retirees in managing and developing their businesses. Yuse Chaidi Amzar, Director of Marketing and Islamic Business Unit at Bank Kalbar, emphasized this during the same event.
“We’re not just offering financing through the KUR program, but also committed to guiding them so their business journey is more structured and sustainable,” Yuse explained.
This support includes basic entrepreneurship training, financial management, marketing strategies, and even mentorship for those new to the business world.
Gold Installment Program: A Long-Term Investment Option
Aside from KUR, Bank Kalbar’s Islamic Business Unit also offers a gold installment program—a safe and profitable long-term investment. Yuse highlighted how gold has continued to rise in value, noting that in 2020 gold was priced around IDR 1 million per gram, and by 2025, it had almost reached IDR 2 million per gram.
This makes the gold installment program a smart financial move for retirees looking to build long-term security. It offers a simple, step-by-step way to invest in gold while keeping savings protected from inflation.
A Solid Collaboration: Pemprov Kalbar and Bank Kalbar
The collaboration between Pemprov Kalbar and Bank Kalbar is a great example of how government and local institutions can work together to improve the quality of life for citizens—especially retired ASN Kalbar.
The Governor of Kalbar sees retirement as a chance for growth, and Bank Kalbar is stepping up as a reliable financial partner to turn that vision into reality.
This initiative is also in line with the government’s broader efforts to promote entrepreneurship across all segments of society. With accessible capital, continuous support, and solid guidance, retirees in Kalimantan Barat have a real chance at success in their post-retirement ventures.
Quick Tips for Retirees Starting a Business
If you're a retired civil servant in West Kalimantan and thinking about starting a business, here are some practical tips:
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Choose a Business You Enjoy
Focus on something you’re passionate about. That way, running the business will feel rewarding and less like a burden. -
Start Small
Begin with a modest investment so you can learn the ropes without taking big risks. -
Use Bank Kalbar’s KUR Program
Take advantage of the low-interest loan to fund your business without touching your pension savings. -
Get Business Training and Mentorship
Join free workshops or mentoring sessions from Bank Kalbar or other entrepreneur communities to gain essential knowledge. -
Manage Finances Wisely
Keep your business and personal finances separate. Record all income and expenses to stay in control of your cash flow.
Retirement is not the end—it’s an opportunity to create, grow, and live with purpose. With full support from Pemprov Kalbar and accessible financing from Bank Kalbar, retirees no longer need to worry about where to start.
Through programs like KUR and gold investment, retirees can confidently step into entrepreneurship or long-term investing. So, if you're a retired ASN Kalbar or nearing retirement, this is your chance to stay productive and independent.
Bank Kalbar and the West Kalimantan Government are ready to support your next chapter. Why not start today?
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