BOJONEGORO, JurnalPost.com – Entering retirement has not stopped Sugeng Harijanto from staying active. This resident of Bojonegoro, East Java, has chosen to remain productive by developing a guava juice production business as both a meaningful activity and a source of income after concluding his professional career.
Amidst the common perception that retirement is a time to step away from work routines, Sugeng has taken a different path. He utilizes his spare time to run a beverage business based on guava, which holds significant market potential within the community.
To support his business operations, Sugeng, who is a customer of PT Bank Rakyat Indonesia (Persero) Tbk or BRI, has also utilized the People's Business Credit (KUR) facility as a source of additional capital.
This financing helps support his business needs, ranging from production activities to expansion efforts aimed at reaching a wider consumer base.
Staying Productive with a Guava Juice Business After Retirement
For Sugeng, retirement is no reason to cease productive activities. On the contrary, this phase provides an opportunity to run a business that can be managed independently.
Guava juice production was chosen as an activity with economic potential. Beyond being a well-known beverage, fruit processing offers small business owners the chance to create value-added products.
"This guava production is a business opportunity with the potential for continuous development. Moreover, fruit-based beverages have their own distinct market among the public," said Sugeng.
According to him, running a business after retirement provides benefits beyond just additional income. This activity is also a way to fill time with purposeful work that yields tangible results.
Through the business he is dedicated to, Sugeng continues to strive to maintain his productivity while developing his skills in managing business operations.
Beverage businesses like guava juice require attention to the quality of raw materials, the cleanliness of the production process, and consistency in taste so that the product is well-received by consumers.
Additionally, business owners need to pay attention to packaging and marketing so that their products can compete with other beverages on the market.
Utilizing BRI KUR to Support Business Development
In running his business, Sugeng realizes that the availability of capital is a crucial factor in maintaining production continuity.
The need for purchasing raw materials, packaging, and production equipment requires sound financial management to ensure the business keeps running.
As a BRI customer, Sugeng then utilized the People's Business Credit facility to support the development of the guava juice business he operates.
KUR is a financing program aimed at helping micro, small, and medium enterprises that meet the requirements to gain access to capital through participating financial institutions.
Through this facility, business owners have the opportunity to obtain financing for working capital or investment needs in accordance with applicable regulations.
For Sugeng, the availability of financing access is a form of support that can be leveraged to maintain and increase production activities.
However, the use of business financing still requires careful planning. Business owners need to calculate their ability to pay installments, capital requirements, and potential income to ensure the loan truly supports business sustainability.
With proper management, additional capital can help a business grow without creating an excessive financial burden.
Guava Juice Production Has Market Potential
The business of processing fruit into beverages has potential for development because the products can be marketed to various consumer groups.
Guava is a fruit that can be processed into a refreshing drink with a different selling value compared to when it is sold as whole fruit.
Through the processing stage, business owners can create products that are more convenient to consume.
However, the beverage business also faces several challenges, including fluctuations in raw material prices, product shelf life, and competition with various types of drinks available on the market.
Therefore, production quality and marketing strategies are essential aspects of retaining customers.
For business owners like Sugeng, business development does not only depend on additional capital but also on the ability to read market needs and adapt products to consumer preferences.
Sugeng hopes that the guava juice business he is developing can continue to grow and reach a wider market.
"I hope that the guava juice production can continue to develop and reach more consumers," he expressed.
Retirement Becomes an Opportunity to Build Economic Independence
Sugeng's story illustrates that entrepreneurship can be pursued by various age groups, including those who have completed their formal employment.
The life experience and discipline gained during one's career can serve as a foundation for facing the challenges of running a business.
Nevertheless, starting or developing a business after retirement still requires careful calculation, especially regarding the use of savings or financing.
Sugeng demonstrates that the post-retirement period can be utilized to pursue activities that provide economic benefits while maintaining a spirit of creativity.
"Retirement is not the end of one's journey of contribution. Instead, this period can be the beginning of pursuing new activities and building economic independence," he explained.
Support for financing access through BRI KUR is one of the facilities Sugeng has utilized in his journey to develop his guava juice production business.
His experience shows that the opportunity to build a business is not only open to the younger generation but also to those who have entered retirement.
With a spirit of continuous learning, maintaining product quality, and managing finances responsibly, retirement can be an opportunity to build a sustainable business.
For Sugeng Harijanto, guava juice production is not just an activity to fill spare time, but part of his effort to remain independent, productive, and contributing to society.
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