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Kritik keras juga dilontarkan oleh Ketua Umum Badan Pemantau Kebijakan Publik (BPKP), A. Tarmizi, yang menilai kehadiran dan tawaran pinjaman dari Bank BJB ini sebagai jebakan finansial yang sangat berisiko, terutama mengingat status kepegawaian mereka yang masih Paruh Waktu.
Baca juga GELEMBUNG DATA FIKTIF 881 SISWA: BPKP LAPORKAN PKBM KE KEJATI JABAR!
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Berdasarkan kajian dan analisa BPKP, tawaran pinjaman ini menyembunyikan potensi jebakan utang yang patut diwaspadai, berakar pada status kerja dan besaran gaji PPPK Paruh Waktu:
- Ketidakpastian Pendapatan: Gaji PPPK Paruh Waktu umumnya setara dengan Upah Minimum Provinsi (UMP) Jawa Barat (sekitar Rp2.191.232 pada tahun 2025). Angka ini dinilai terlalu kecil untuk menanggung cicilan pinjaman puluhan juta.
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- Jeratan Bunga Jangka Panjang: Untuk mendapatkan cicilan yang ‘ringan’, pegawai akan terdorong mengambil tenor pinjaman yang sangat panjang.
BPKP mengingatkan, semakin panjang tenor, total bunga yang dibayarkan akan semakin besar, bahkan melebihi jumlah pokok pinjaman.
“Rasio Cicilan-Gaji yang ketat, di mana cicilan bisa memakan hampir setengah dari gaji bersih, berpotensi mencekik keuangan bulanan secara drastis, sehingga kebutuhan sehari-hari menjadi terabaikan. Ini adalah bentuk komersialisasi status kepegawaian yang sangat disayangkan,” tegas A. Tarmizi.
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Prosesi penyerahan SK PPPK Paruh Waktu Tahun 2025 ini dilaksanakan dalam 4 sesi dengan jadwal ketat:
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- Sesi II (301-600): Pukul 11.30 WIB – 13.30 WIB.
- Sesi III (601-900): Pukul 14.00 WIB – 15.30 WIB.
- Sesi IV (901-1198): Pukul 16.00 WIB – Selesai.
Peserta Sesi II, III, dan IV diinstruksikan mengikuti virtual zoom meeting dari Satuan Pendidikan masing-masing.
Pihak-pihak terkait, termasuk Bank BJB dan Dinas Pendidikan Provinsi Jawa Barat, diharapkan segera memberikan klarifikasi terkait kehadiran dan promosi pinjaman kredit di acara resmi penyerahan SK PPPK Paruh Waktu ini.
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