{"id":178102,"date":"2025-11-26T10:35:59","date_gmt":"2025-11-26T03:35:59","guid":{"rendered":"https:\/\/www.hashmicro.com\/id\/blog\/?p=178102"},"modified":"2025-11-26T15:28:33","modified_gmt":"2025-11-26T08:28:33","slug":"earned-wage-access-gaji-fleksibel","status":"publish","type":"post","link":"https:\/\/www.hashmicro.com\/id\/blog\/earned-wage-access-gaji-fleksibel\/","title":{"rendered":"Earned Wage Access: Strategi Gaji Fleksibel untuk Bisnis Modern"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Banyak karyawan kesulitan memenuhi kebutuhan mendesak karena gaji hanya cair di akhir bulan. Masalah ini sering memicu stres finansial dan turunnya produktivitas. Earned Wage Access hadir sebagai solusi untuk memberi akses gaji lebih cepat.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bagi bisnis, tantangannya adalah menyediakan fleksibilitas tanpa menambah beban kerja payroll. Integrasi EWA dengan<\/span><a href=\"https:\/\/www.hashmicro.com\/id\/manajemen-human-resource\"> <span style=\"font-weight: 400;\">software HRIS<\/span><\/a><span style=\"font-weight: 400;\"> membuat proses penggajian lebih efisien dan akurat. Sistem ini membantu perusahaan menjaga stabilitas operasional.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Artikel ini membahas cara kerja Earned Wage Access, manfaatnya bagi bisnis, dan mengapa solusi ini semakin relevan. Anda dapat mencoba free demo untuk melihat bagaimana otomatisasi membantu pengelolaan gaji. Lanjutkan membaca artikel ini untuk memahami strategi gaji fleksibel secara lengkap.<\/span><\/p>\n<table style=\"border-collapse: collapse; background-color: #fffacd; box-shadow: 0 4px 8px rgba(0, 0, 0, 0.1); border-radius: 25px 25px 25px 25px;\" width=\"100%\">\n<tbody>\n<tr>\n<td style=\"padding: 15px; border: none;\">\n<h3 style=\"margin-bottom: 10px;\"><span style=\"background-color: #990000; color: #ffffff; padding: 5px;\"><b>Key Takeaways<\/b><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"#1\">EWA memberikan akses<\/a> gaji prorata kepada karyawan sebelum tanggal gajian resmi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"#2\">Sistem ini berbeda<\/a> dengan kasbon karena berbasis pada upah yang sudah dikerjakan (<\/span><i><span style=\"font-weight: 400;\">accrued<\/span><\/i><span style=\"font-weight: 400;\">).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"#3\">Integrasi dengan software HRIS<\/a> sangat krusial untuk validasi data dan perhitungan pajak otomatis.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.hashmicro.com\/id\/manajemen-human-resource\">HashMicro<\/a> menawarkan EWA dan HRIS terintegrasi yang dapat Anda coba melalui free demo untuk meningkatkan proses payroll.<\/span><\/li>\n<\/ul>\n<style>\r\n.button-cta-custom {\r\n    background-color: #8a0e19;\r\n    color: #fff !important;\r\n    -webkit-transition: all .3s ease;\r\n    transition: all .3s ease;\r\n    padding: 8px 24px;\r\n    display: inline-block;\r\n    border-radius: 8px;\r\n    font-size: 16px;\r\n    font-weight: bold;\r\n}\r\n.button-cta-custom:hover{\r\n\tbackground-color:#991b26\t\t\r\n}\r\n<\/style>\r\n<a class=\"button-cta-custom\" href=\"https:\/\/www.hashmicro.com\/id\/tour-produk-gratis\/?medium=cta-button\" target=\"_blank\">Klik untuk Demo Gratis!<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-sheets-root=\"1\"><div id=\"toc_group_article\" style=''>\r\n\t<p style='font-size:25px;font-weight:bold; margin-bottom:0px'>\r\n\t\tDaftar Isi:\r\n\t<\/p>\r\n\t<ul id=\"list_toc\" class='list_toc'><\/ul>\r\n<\/div>\r\n\r\n<div id=\"placeholder-toc\"><\/div>\r\n<div id=\"toc\">\r\n    <div class=\"header\">\r\n\t<span class=\"toc-title\" id=\"toc-title\">Daftar Isi<\/span>\t\r\n\t <i class=\"toc-icon\">\r\n        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#000\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"header-icon\">\r\n          <path d=\"m6 9 6 6 6-6\" \/>\r\n        <\/svg>\r\n      <\/i>\r\n\t<\/div>\r\n    <div class=\"list\">\r\n      <ul id=\"toc-list\"><\/ul>\r\n    <\/div>\r\n <\/div>\r\n\r\n<style>\r\n\/* Simple styling for the TOC *\/\r\n\t\r\n\t#toc ul li:last-child {\r\n    padding-bottom: 16px; \/* Adjust the value as needed *\/\r\n}\r\n\r\n.td-fix-index {\r\n\t transform: unset !important;\r\n     -webkit-transform: unset !important; \r\n}\r\n.footer-contact .td-fix-index {\r\n\t transform: translateZ(0) !important;\r\n     -webkit-transform: translateZ(0) !important; \r\n}\r\n\t.tdb_single_content .tdb-block-inner.td-fix-index{\r\n\t\tposition: static;\r\n\t}\r\n\t\r\n\r\n\t\r\n#toc {\r\n  background-color: #FFF;\r\n\tpadding: 17px 24px 0px 24px !important;\r\n  margin-bottom: 20px;\r\n\/*   border: 1px solid #9C171E; *\/\r\n  border-radius: 6px;\r\n\tdisplay: none;\r\n  max-width: 100%;\r\n  transition: .4s ease height;\r\n\tmargin-left: 0;\r\n\toverflow: hidden;\r\n}\r\n\r\n#toc .header{\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: space-between;\r\n\tbackground-color: transparent;\r\n}\r\n\t\r\n\t#toc.sticky .header{\r\n\t\tpadding: 4px 0;\r\n\t}\r\n\t\r\n.header p{\r\n  font-size: 18px !important;\r\n  font-weight: 600 !important;\r\n  color: #393939;\r\n   margin-bottom: 0;\r\n  \/* margin-top: 20px; *\/\r\n}\r\n\r\n.toc-icon{\r\n  float: right;\r\n\/*   visibility: hidden; *\/\r\n}\r\n\r\n\t.toc-title{\r\n\t\tmargin-right: auto;\r\n\/* \t\tpadding-left: 20px; *\/\r\n\t\tfont-weight: 600;\r\n\t\talign-self: center;\t}\t\r\n\r\n#toc ul {\r\n  list-style-type: none;\r\n  padding-left: 0;\r\n}\r\n\t\r\n#toc.sticky ul{\r\n\toverflow-y: auto;\r\n\tmax-height: 250px;\r\n\tmargin-top: 0px;\r\n\tpadding-top: 20px;\r\n\/* \tborder-top: 1px solid #d3d3d3; *\/\r\n}\r\n\t\r\n#toc ul li {\r\n\/*   margin-bottom: 10px; *\/\r\n  margin-bottom: 10px;\r\n\tmargin-left: 0;\r\n\ttransition: .2s ease;\r\n\tcursor: pointer;\r\n}\r\n\t\r\n\t#toc.sticky ul li {\r\n\t  margin-right: 10px;\r\n\t}\r\n\t\r\n.td-post-content #toc-list li a:hover, .td-post-content #toc-list a.active{\r\n\tbackground-color: #FFF;\r\n\/* \tpadding: 8px 16px 8px 16px; *\/\r\n\tpadding: 4px 16px 4px 16px;\r\n\tborder-radius: 6px;\r\n\tcolor: #9c171e !important;\r\n\tfont-weight: 600 !important;\r\n}\r\n\t\r\n\t.td-post-content #toc-list li:hover a, .td-post-content #toc-list a.active{\r\n\t\tcolor: #9C171E !important;\r\n\t\tfont-weight: 600 !important;\r\n\t}\r\n\t\r\n.td-post-content #toc-list a.active{\r\n\tfont-weight: bold !important;\r\n\tcolor: #9C171E !important;\r\n}\r\n\t\r\n#toc a, .td-post-content #toc-list a {\r\n  text-decoration: none;\r\n  color: #ea1717 !important;\r\n  transition: .2s ease;\r\n\tfont-weight: 400 !important;\r\n\tdisplay: block;\r\n\t\r\n\tpadding: 4px 16px 4px 0;\r\n}\r\n\r\n#toc.sticky {\r\n  position: fixed;\r\n\/*   top: 73px; *\/\r\n\tbottom: 0;\r\n  z-index: 100; \r\n  box-shadow: 0 2px 5px rgba(0,0,0,0.1); \r\n\twidth: 100%; \r\n\tbackground-color: #FFF;\r\n\/* \tbackground-color: #FFF1F1; *\/\r\n\tborder-bottom: 1px solid #ea1717;\r\n\/*   border: 1px solid #393939; *\/\r\n  box-shadow: 0px 0px 14px 0px #00000040;\r\n  cursor: pointer;\r\n\tanimation: fadein .3s ease;\r\n\tpadding: 12px 16px !important;\r\n}\r\n\t\r\n\t.fadein{\r\n\t\tanimation: fadein .3s ease;\r\n\t}\r\n\t\r\n\t.fadeout{\r\n\t\tanimation: fadeout .3s ease;\r\n\t}\r\n\t\r\n\t\r\n\t@keyframes fadein{\r\n\t\t0% {\r\n\t\t\topacity: 0;\r\n\t\t}\r\n\t\t100%{\r\n\t\t\topacity: 1;\r\n\t\t}\r\n\t}\r\n\t\r\n\t@keyframes fadeout{\r\n\t\t0% {\r\n\t\t\topacity: 1;\r\n\t\t}\r\n\t\t100%{\r\n\t\t\topacity: 0;\r\n\t\t}\r\n\t}\r\n\r\n\t\r\n#toc.sticky .header p{\r\n\tmargin-bottom: 10px;\r\n\tmargin-top: 10px;\r\n}\r\n\r\n#toc.sticky .toc-icon{\r\n  visibility: visible;\r\n\/* \ttransition: 0.4s ease; *\/\r\n}\r\n\t\r\n\t.toc-icon{\r\n\t\talign-items: center;\r\n    \tdisplay: flex;\r\n\t}\r\n\t\r\n\tsvg.header-icon{\r\n\/* \t\tbackground-color: #9c171e; *\/\r\n\t\tbackground-color: #FFF;\r\n\t\tborder-radius: 30px;\r\n\t\tpadding: 5px;\r\n\t}\r\n\r\n#toc.sticky .list{\r\n\/*   max-height: 0; *\/\r\n  transition: height 0.4s ease;\r\n}\r\n\t\r\n\t#toc .list{\r\n\/*   max-height: 0; *\/\r\n  transition: height 0.4s ease;\r\n}\r\n\r\n#toc .header.active .toc-icon{\r\n\ttransform: rotate(0deg); \r\n\topacity: 1;\r\n}\r\n\r\n\t#toc .header.active + .list {\r\n\t  max-height: 200px; \/* Adjust this value as needed *\/\r\n\t  opacity: 1;\r\n\t}\r\n\t\r\n\t#placeholder-toc{\r\n\/* \t\tdisplay: none; *\/\r\n\t}\r\n\t\r\n\t@media (min-width: 768px) and (max-width: 991px){\r\n\t\t#toc.sticky{\r\n\/* \t\t\ttop: 104px; *\/\r\n\t\t\tbottom: 0px;\r\n\t\t}\r\n\t\t\r\n\t\t#toc{\r\n\t\t\twidth: unset !important;\r\n\t\t}\r\n\t}\r\n\t\r\n\t@media (max-width: 767px){\r\n\t\t#toc{\r\n\t\t\twidth: 100% !important;\r\n\t\t\tdisplay: inline-block;\r\n\t\t}\r\n\t\t\r\n\t\t#toc.sticky{\r\n\t\t\twidth: 90% !important;\r\n\/* \t\t\ttop: 81px; *\/\r\n\t\t\tbottom: 60px;\r\n\t\t\tmargin-left: auto;\r\n\t\t\tmargin-right: auto;\r\n\t\t\tpadding: 0 16px;\r\n\t\t\tright: 5%;\r\n\t\t}\r\n\t}\r\n\t\r\n\t<\/style>\r\n\r\n<style>\r\n\t#list_toc li {margin-bottom: 0;margin-top: 5px;}\r\n\t#list_toc > li > ul {padding-left: 20px;margin-bottom: 0;}\r\n\t#list_toc{height:max-content;transition:ease-in-out}\r\n\t#list_toc li {margin-bottom: 0;margin-top: 5px;}\r\n\t#list_toc_float li.active > a {color:#b1252d;background: #ffe1e3;}\r\n\t#list_toc_float li a {padding:3px 7px}\r\n\t#list_toc_float li a {\r\n\t\tdisplay: block;\r\n\t\tcolor:#000;\r\n\t\tmargin-bottom: 10px;\r\n\t\ttransition:all 0.2s ease-in-out;\r\n\t\tfont-size:15px\r\n\t}\r\n\t#list_toc_float li{list-style:none;list-style-position:inside; margin-left:0;}\r\n\t#list_toc_float a:hover{color:#b1252d;}\r\n\t\r\n\t#list_toc_float li a{margin-bottom:0px}\r\n\t#toc_group_float{\r\n\t\tline-height: 24px;\r\n\t\tmax-height: calc(100vh - 100px);\r\n\t\toverflow: auto;\r\n\t\tz-index: 99;\r\n\t\tdisplay:none!important;\r\n\t\tbackground:#fff;\r\n\t\ttransition:all 0.5s linear\r\n\t}\r\n\t\r\n\t@media (min-width:1019px){\r\n\t\t#toc_group_float {\r\n\t\t\tdisplay:block!important;\r\n\t\t\t}\r\n\t\t#toc_group_article {\r\n\t\t\tdisplay:none;\r\n\t\t}\r\n\t}\r\n\t\r\n\t@media (max-width:768px){\r\n\t\t#toc_group_article {\r\n\t\t\tdisplay:none;\r\n\t\t}\r\n\t}\r\n\t\r\n\t \/* custom scrollbar style *\/\r\n::-webkit-scrollbar {\r\n    width: 7px;\r\n}\r\n::-webkit-scrollbar-track {\r\n    background: #d7a2a4;\r\n}\r\n::-webkit-scrollbar-thumb {\r\n    background: #b1252d;\r\n    border-radius: 15px;\r\n}\t\t\r\n\r\n<\/style>\r\n\r\n<script>\r\n\tdocument.addEventListener('DOMContentLoaded', function() {\r\n\t\t\/\/ Fungsi untuk menangani klik pada semua elemen <a> dengan href yang dimulai dengan #\r\n\t\tfunction handleTitleClick(event) {\r\n\t\t\tevent.preventDefault();\r\n\t\t\tconst targetId = this.getAttribute('href').substring(1);\r\n\t\t\tconst targetElement = document.getElementById(targetId);\r\n\r\n\t\t\tif (targetElement) {\r\n\t\t\t\tconst headerHeight = document.querySelector('#toc .header').offsetHeight;\r\n\t\t\t\tconst navbarHeight = document.getElementById('tdi_34') ? document.getElementById('tdi_34').offsetHeight : 0;\r\n\t\t\t\tconst windowHeight = window.innerHeight;\r\n\t\t\t\tconst targetOffset = targetElement.offsetTop;\r\n\t\t\t\tconst scrollTo = targetOffset + (windowHeight \/ 2) + (headerHeight) - navbarHeight - 40;\r\n\r\n\t\t\t\twindow.scrollTo({\r\n\t\t\t\t\ttop: scrollTo,\r\n\t\t\t\t\tbehavior: 'smooth'\r\n\t\t\t\t});\r\n\t\t\t}\r\n\t\t}\r\n\r\n\t\t\/\/ Tambahkan event listener untuk semua elemen <a> di toc-list dan list-toc\r\n\t\tconst titleLinks = document.querySelectorAll('#toc-list a, #list_toc a');\r\n\t\ttitleLinks.forEach(link => {\r\n\t\t\tlink.addEventListener('click', handleTitleClick);\r\n\t\t});\r\n\t});\r\n<\/script>\r\n\r\n<!-- ToC List for mobile -->\r\n<script>\r\n \/\/ Generate TOC based on headings\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n  \/\/ Get the element that will contain the TOC\r\n  const tocList = document.getElementById('toc-list');\r\n\r\n  \/\/ Get the element with the ID 'article-left'\r\n  const article = document.querySelector('.td-post-content');\r\n\r\n  \/\/ Find all h2 elements within 'myarticle'\r\n  const headers = article.getElementsByTagName('h2');\r\n\r\n  \/\/ Loop through the h2 elements and create a list item for each one\r\n  for (let i = 0; i < headers.length; i++) {\r\n    const header = headers[i];\r\n    const headerText = header.textContent;\r\n\/\/     const headerId = 'header-' + i;\r\n    const headerId = headerText\r\n    .toLowerCase()\r\n    .trim()\r\n    .replace(\/[^\\w\\s-]\/g, '')  \/\/ hapus tanda baca\r\n    .replace(\/\\s+\/g, '-'); \/\/ ganti spasi jadi \"-\"\r\n\r\n    \/\/ Set an ID for the header if it doesn't have one\r\n    header.setAttribute('id', headerId);\r\n\r\n    \/\/ Create a list item for the TOC\r\n    const listItem = document.createElement('li');\r\n\r\n    \/\/ Create a link for the list item\r\n    const link = document.createElement('a');\r\n    link.setAttribute('href', '#' + headerId);\r\n    link.textContent = headerText;\r\n\r\n    \/\/ Append the link to the list item\r\n    listItem.appendChild(link);\r\n\r\n    \/\/ Append the list item to the TOC list\r\n    tocList.appendChild(listItem);\r\n  }\r\n});\r\n\r\n\/\/ Keep height and placement of content using placeholder in place of TOC\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n  const toc = document.querySelector('#toc');\r\n  const placeholderToc = document.querySelector('#placeholder-toc');\r\n\r\n  function setPlaceholderHeight() {\r\n    placeholderToc.style.height = `${toc.offsetHeight}px`;\r\n  }\r\n\r\n  \/\/ Set the initial height of the placeholder\r\n  setPlaceholderHeight();\r\n\r\n  \/\/ Update the height on window resize\r\n  window.addEventListener('resize', setPlaceholderHeight);\r\n});\r\n  const tocTitle = document.querySelector('#toc-title'); \/\/ Assuming header-faq is the element for TOC title\r\n\r\n\/\/ Sticky TOC and update heading\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n  const toc = document.querySelector('#toc');\r\n  const footer = document.querySelector('.td-footer-template-wrap');\r\n  const tocParent = toc.parentElement;\r\n  const divTop = tocParent.getBoundingClientRect().top + window.pageYOffset;\r\n  const tocHeight = toc.offsetHeight;\r\n  const triggerPoint = divTop + tocHeight + 700;\r\n  const footerHeight = footer.offsetHeight;\r\n  const triggerFooterPoint = footer.getBoundingClientRect().top + window.pageYOffset - footerHeight - footerHeight - footerHeight;\r\n  const phtoc = document.querySelector('#placeholder-toc');\r\n  const headers = document.querySelectorAll('.td-post-content h2');\r\n  const navLinks = document.querySelectorAll('#toc-list a');\r\n\t\r\n\tconst panel2 = document.querySelector(\"#toc .list\");\r\n\tvar icon = document.querySelector(\".toc-icon\");\r\n\r\n  let activeLink = null; \/\/ Declare activeLink outside the loop\r\n\t\r\n  \/\/ Function to handle scroll and add\/remove .sticky class\r\n  function handleScroll() {\r\n    const windowTop = window.pageYOffset || document.documentElement.scrollTop;\r\n    let currentHeader = '';\r\n\r\n    \/\/ Highlight user progress as the heading comes\r\n    headers.forEach(header => {\r\n\t\tconst headerTop = header.offsetTop;\r\n\t\tconst headerHeight = header.clientHeight;\r\n\/\/ \t\tif (window.scrollY >= (headerTop - headerHeight + 700)) {\r\n\/\/ \t\t\tconst currentHeaderId = header.getAttribute('id');\r\n\/\/ \t\t\tconst currentHeaderText = document.getElementById(currentHeaderId).textContent;\r\n\/\/ \t\t\tconsole.log(\"current header text:\", currentHeaderText);\r\n\/\/ \t\t\ttocTitle.textContent = currentHeaderText;\r\n\/\/ \t\t\tcurrentHeader = currentHeaderId;\r\n\t\t\t\r\n\/\/ \t\t\tif(window.innerWidth < 767){\r\n\/\/ \t\t\t\ttocTitle.textContent = 'Daftar Isi';\r\n\/\/ \t\t\t}\r\n\/\/ \t\t}\r\n\t\tif(window.innerWidth < 767){\r\n\t\t\ttocTitle.textContent = 'Daftar Isi'; \/\/ Selalu pertahankan judul ini di mobile\r\n\t\t} else {\r\n\t\t\tif (window.scrollY >= (headerTop - headerHeight + 700)) {\r\n\t\t\t\tconst currentHeaderId = header.getAttribute('id');\r\n\t\t\t\tconst currentHeaderText = document.getElementById(currentHeaderId).textContent;\r\n\t\t\t\ttocTitle.textContent = currentHeaderText;\r\n\t\t\t\tcurrentHeader = currentHeaderId;\r\n\t\t\t}\r\n\t\t}\r\n\t});\r\n\r\n    navLinks.forEach(link => {\r\n      link.classList.remove('active');\r\n      if(currentHeader != '') {\r\n\t\t  if (link.getAttribute('href').includes(currentHeader)) {\r\n\t\t\t  link.classList.add('active');\r\n\t\t  }\r\n\t  }\r\n    });\r\n\/\/     if (windowTop < triggerFooterPoint) {\r\n\/\/         toc.style.display = 'block';\r\n\/\/ \t}else{\r\n\/\/         toc.style.display = 'none';\r\n\/\/ \t}\r\n    \/\/ Update TOC title if sticky\r\n    if (windowTop > triggerPoint) {\r\n      if (!toc.classList.contains('sticky')) {\r\n        phtoc.style.display = \"block\";\r\n        toc.classList.add('sticky');\r\n        toc.style.width = `${tocParent.offsetWidth}px`; \/\/ Set width to match the parent element\r\n        toc.setAttribute('style', 'width: ' + tocParent.offsetWidth + 'px !important;');\r\n        toc.style.backgroundColor = \"#FFF\";\r\n\t\tpanel2.style.height = '0px';\r\n\t\t  icon.style.transform = \"rotate(180deg)\";\r\n\t\t  if(window.innerWidth < 767){\r\n\/\/ \t\t\t  const tocs = document.querySelector('#toc.sticky');\r\n\t\t\t  tocTitle.textContent = 'Daftar Isi'; \/\/ Reset title\r\n       \t\t  toc.style.width = '150px'; \/\/ Set width to match the parent element\r\n\t\t  }\r\n      }\r\n      if (currentHeader) {\r\n\/\/         console.log(\"activeLink:\", activeLink);\r\n        if (activeLink) {\r\n\/\/           tocTitle.textContent = activeLink.textContent; \/\/ Update TOC title\r\n          tocTitle.textContent = activeLink ? activeLink.textContent : \"\"; \/\/ Update title only if activeLink exists\r\n        }\r\n      }\r\n    } else {\r\n      toc.classList.remove('sticky');\r\n      phtoc.style.display = \"none\";\r\n      toc.style.width = 'unset'; \/\/ Reset to original width\r\n      toc.style.backgroundColor = \"#FFF\";\r\n      tocTitle.textContent = 'Daftar isi'; \/\/ Reset title\r\n\t\tpanel2.style.height = panel2.scrollHeight + \"px\";\r\n\t\ticon.style.transform = \"rotate(180deg)\";\r\n    }\r\n  }\r\n\r\n    \/\/ Attach the scroll event listener to the window\r\n    window.addEventListener('scroll', handleScroll);\r\n\r\n    \/\/ Initial call to handleScroll to set the correct state on load\r\n    handleScroll();\r\n});\r\n\t\r\n\t\/\/ Open toggle TOC\r\n\t  document.addEventListener(\"DOMContentLoaded\", function() {\r\n\t\tvar tocHeader = document.querySelector(\"#toc .header\");\r\n\t\tvar toc = document.querySelector(\"#toc\");\r\n\t\tvar icon = document.querySelector(\".toc-icon\");\r\n\t\tconst tocTitle = document.querySelector('#toc-title');\r\n\t\tconst tocs = document.querySelector('#toc.sticky');\r\n \t\tconst tocParent = toc.parentElement;\t\t  \r\n\r\n\t\t  tocHeader.addEventListener(\"click\", function() {\r\n\t\t\tvar panel = this.nextElementSibling;\r\n\t\t\tif (panel.style.height !== '0px') { \/\/ Check if height is not 0px\r\n\t\t\t  panel.style.height = '0px'; \/\/ Set height to 0 for full collapse\r\n\t\t\t  icon.style.transform = \"rotate(180deg)\";\r\n\/\/ \t\t\t\ttoc.style.paddingBottom = '6px'; \r\n\t\t\t\tif(window.innerWidth > 768){\r\n\t\t\t\t\tif(!toc.classList.contains('sticky')){\r\n\t\t\t\t\t\ttoc.style.width = \"unset\";\r\n\/\/ \t\t\t\t\t\ttoc.setAttribute('style', 'width: ' + tocParent.offsetWidth + 'px !important;');\r\n\t\t\t\t\t}\r\n\t\t\t\t\tif (toc.classList.contains('sticky')){\r\n\t\t\t\t\t\ttoc.style.width = '${tocParent.offsetWidth}px';\r\n\t\t\t\t\t\ttoc.setAttribute('style', 'width: ' + tocParent.offsetWidth + 'px !important;');\r\n\t\t\t\t\t}\r\n\t\t\t\t}\r\n\t\t\t\tif(window.innerWidth < 767){\r\n\t\t\t\t\ttoc.style.width = \"unset\"; \/\/ Reset width\r\n\t\t\t\t}\r\n\t\t\t\ttoc.style.backgroundColor = \"#FFF1F1\";\r\n\t\t\t} else {\r\n\t\t\t  panel.style.height = panel.scrollHeight + \"px\";\r\n\t\t\t  icon.style.transform = \"rotate(0deg)\";\r\n\t\t\t  toc.style.backgroundColor = \"#FFF\";\r\n\t\t\t  tocTitle.textContent = 'Daftar isi'; \/\/ Reset title\r\n\t\t\t\ttoc.style.paddingBottom = '24px';\r\n\t\t\t \tif(window.innerWidth < 767){\r\n\t\t\t\t\ttoc.style.width = `${tocParent.offsetWidth}px`; \/\/ Set width to match the parent element\r\n\t\t\t\t\ttoc.setAttribute('style', 'width: ' + tocParent.offsetWidth + 'px !important;');\r\n\t\t\t\t}\r\n\t\t\t}\r\n\t\t  });\r\n\r\n\t\t  \/\/ Close TOC when a link inside it is clicked\r\n\t\t  var tocLinks = document.querySelectorAll(\"#toc .list a\");\r\n\t\t  tocLinks.forEach(function(link) {\r\n\t\t\tlink.addEventListener(\"click\", function() {\r\n\t\t\t  var panel = document.querySelector(\"#toc .list\");\r\n\t\t\t  panel.style.height = '0px'; \/\/ Set height to 0 for full collapse\r\n\t\t\t  icon.style.transform = \"rotate(180deg)\";\r\n\t\t\t  toc.style.backgroundColor = \"#FFF\";\r\n\t\t\t});\r\n\t\t  });\r\n\t\t});\r\n\r\n\r\n\r\n\t\r\n\/\/ \tmake the heading at the center of the viewport\r\n\/\/ \tdocument.addEventListener('DOMContentLoaded', function() {\r\n\/\/     \/\/ Add click event listener to all links in the TOC list\r\n\/\/     document.querySelectorAll('#toc-list a').forEach(anchor => {\r\n\/\/         anchor.addEventListener('click', function (e) {\r\n\/\/             e.preventDefault(); \/\/ Prevent the default behavior of jumping to the anchor\r\n\/\/ \/\/ \t\t\tconsole.log(\"prevent default\");\r\n\/\/             const targetId = this.getAttribute('href').substring(1); \/\/ Get the ID of the target element\r\n\/\/             const targetElement = document.getElementById(targetId); \/\/ Get the target element\r\n\r\n\/\/             if (targetElement) {\r\n\/\/                 const headerHeight = document.querySelector('#toc .header').offsetHeight; \/\/ Get the height of the fixed header\r\n\/\/                 const windowHeight = window.innerHeight; \/\/ Get the height of the viewport\r\n\/\/                 const targetOffset = targetElement.offsetTop; \/\/ Get the top offset of the target element\r\n\/\/                 const scrollTo = targetOffset + (windowHeight \/ 2) + (headerHeight); \/\/ Calculate the scroll position to center the target element\r\n\r\n\/\/                 \/\/ Scroll to the calculated position smoothly\r\n\/\/                 window.scrollTo({\r\n\/\/                     top: scrollTo,\r\n\/\/                     behavior: 'smooth'\r\n\/\/                 });\r\n\/\/             }\r\n\/\/         });\r\n\/\/     });\r\n\/\/ });\r\n<\/script>\r\n\r\n<script>\r\n    \/\/ Scrollspy function to highlight the active TOC item based on the scroll position\r\n  function scrollSpy(tocClass) {\r\n    const scrollPosition = window.scrollY;\r\n\r\n    \/\/ Find the active h2 and h3 headings based on their position in the corresponding TOC\r\n    let activeH2 = null;\r\n    let activeH3 = null;\r\n\r\n    const tocItems = document.querySelectorAll(`.${tocClass} li`);\r\n    tocItems.forEach(item => {\r\n      const a = item.querySelector('a');\r\n      if (!a) return;\r\n      const href = a.getAttribute('href');\r\n      const targetId = href.substring(1); \/\/ Remove the '#' from the href to get the target ID\r\n      const targetElement = document.getElementById(targetId);\r\n      if (!targetElement) return;\r\n\r\n      const targetTop = targetElement.getBoundingClientRect().top + scrollPosition;\r\n      const nextItem = item.nextElementSibling;\r\n      const nextTop = nextItem ? nextItem.getBoundingClientRect().top + scrollPosition : Infinity;\r\n\r\n      if (targetTop <= scrollPosition + 150) {\r\n        if (a.parentElement.parentElement === tocItems) {\r\n          \/\/ The h2 heading is at the root level of the TOC\r\n          activeH2 = { id: targetId, level: 'h2' };\r\n        } \r\n\t\t  else {\r\n          \/\/ The h3 heading is nested under an h2 heading\r\n          const parentH2 = a.parentElement.parentElement.previousElementSibling;\r\n          if (parentH2) {\r\n            const h2Link = parentH2.querySelector('a');\r\n            if (h2Link) {\r\n              const h2Href = h2Link.getAttribute('href');\r\n              const h2Id = h2Href.substring(1);\r\n              activeH2 = { id: h2Id, level: 'h2' };\r\n            }\r\n          }\r\n          activeH3 = { id: targetId, level: 'h3' };\r\n        }\r\n      }\r\n\r\n      if (targetTop > scrollPosition + 150 && nextTop > scrollPosition + 150 && !activeH3) {\r\n        \/\/ Reset the activeH2 when there are no more active h3 headings\r\n        activeH2 = null;\r\n      }\r\n    });\r\n\r\n    \/\/ Update the active state for the TOC items\r\n    tocItems.forEach(item => {\r\n      item.classList.remove('active');\r\n      const a = item.querySelector('a');\r\n      if (a) {\r\n        const href = a.getAttribute('href');\r\n        const targetId = href.substring(1);\r\n        if ((activeH2 && activeH2.id === targetId) || (activeH3 && activeH3.id === targetId)) {\r\n          item.classList.add('active');\r\n        }\r\n      }\r\n    });\r\n  }\r\n\r\n  \/\/ Call scrollSpy for each TOC on window scroll\r\n  const tocClasses = ['list_toc', 'list_toc_float']; \/\/ Add other TOC class names here if you have more than two instances\r\n  tocClasses.forEach(tocClass => {\r\n    window.addEventListener('scroll', () => scrollSpy(tocClass));\r\n  });\r\n<\/script>\r\n\r\n<!-- ToC List for desktop side bar, diganti jadi inject by php, di code snippet \"Sidebar Accordion\" -->\r\n<!-- <script>\r\n\tdocument.addEventListener(\"DOMContentLoaded\", function() {\r\n\r\n        \/\/ Fungsi untuk membuat nested list\r\n        function createNestedList(parentNode, children) {\r\n            if (children.length === 0) return;\r\n\r\n            const nestedUl = document.createElement('ul');\r\n            children.forEach(child => {\r\n                const nestedLi = document.createElement('li');\r\n                const nestedA = document.createElement('a');\r\n                nestedA.textContent = child.title;\r\n                nestedA.href = `#${child.id}`;\r\n                nestedLi.appendChild(nestedA);\r\n                nestedUl.appendChild(nestedLi);\r\n\r\n                if (child.children.length > 0) {\r\n                    createNestedList(nestedLi, child.children);\r\n                }\r\n            });\r\n\r\n            parentNode.appendChild(nestedUl);\r\n        }\r\n\r\n        \/\/ Membuat objek untuk menyimpan daftar h2 dan h3 beserta judulnya\r\n        const headings = [];\r\n\r\n           \/\/ Mengambil semua elemen h2 dan h3\r\n        \/\/ Mengambil semua elemen h2 dan h3\r\n\t\tconst elements = document.querySelectorAll('.td-post-content h2');\r\n\r\n\t\t\tfunction newFormatId(text) {\r\n\t\t\t\tif(text.toLowerCase() === \"key takeaways\") {\r\n\t\t\t\t\treturn;\r\n\t\t\t\t}\r\n\t\t\t\t\r\n\t\t\t\tconst result = text.toLowerCase()\r\n\t\t\t\t.trim()\r\n\t\t\t\t.replace(\/[^\\w\\s-]\/g, '')  \/\/ hapus tanda baca\r\n\t\t\t\t.replace(\/\\s+\/g, '-'); \/\/ ganti spasi jadi \"-\"\r\n\r\n\t\t\t\treturn result;\r\n\t\t\t}\r\n\t\r\n\t\telements.forEach(element => {\r\n\t\t\tif (element.tagName === 'H2') {\r\n\t\t\t\tconst id = newFormatId(element.textContent); \/\/ Hasilkan ID baru\r\n\t\t\t\telement.id = id; \/\/ Tetapkan ID ke elemen h2\r\n\t\t\t\tif (element.textContent.toLowerCase() === \"key takeaways\") {return;} \/\/ Kalau Key Takeaways, jangan dimasukin\r\n\t\t\t\theadings.push({ level: 'h2', id: id, title: element.textContent, children: [] });\r\n\t\t\t} else if (element.tagName === 'H3') {\r\n\t\t\t\tconst id = newFormatId(element.textContent); \/\/ Hasilkan ID baru\r\n\t\t\t\telement.id = id; \/\/ Tetapkan ID ke elemen h3\r\n\t\t\t\tif (headings.length > 0) {\r\n\t\t\t\t\theadings[headings.length - 1].children.push({ level: 'h3', id: id, title: element.textContent, children: [] });\r\n\t\t\t\t}\r\n\t\t\t}\r\n\t\t});\r\n       \/\/ Membuat list HTML dari objek headings\r\n\t\tconst ul = document.getElementById('list_toc');\r\n\t\tlet currentUl = ul;\r\n\t\theadings.forEach(heading => {\r\n\t\t\tconst li = document.createElement('li');\r\n\t\t\tconst a = document.createElement('a');\r\n\t\t\ta.textContent = heading.title;\r\n\t\t\ta.href = `#${heading.id}`; \/\/ Gunakan ID yang baru dihasilkan\r\n\t\t\tli.appendChild(a);\r\n\r\n\t\t\tif (heading.level === 'h2') {\r\n\t\t\t\tcurrentUl = li;\r\n\t\t\t\tul.appendChild(li);\r\n\t\t\t} else if (heading.level === 'h3') {\r\n\t\t\t\tif (!currentUl.lastElementChild || currentUl.lastElementChild.tagName !== 'UL') {\r\n\t\t\t\t\tconst nestedUl = document.createElement('ul');\r\n\t\t\t\t\tcurrentUl.appendChild(nestedUl);\r\n\t\t\t\t\tcurrentUl = nestedUl;\r\n\t\t\t\t}\r\n\t\t\t\tcurrentUl.appendChild(li);\r\n\t\t\t}\r\n\r\n\t\t\tcreateNestedList(li, heading.children);\r\n\t\t});\r\n\t\t\/\/ Dapatkan elemen ul dengan id 'list_toc'\r\n\t\tconst ulFloat = document.getElementById('list_toc');\r\n\r\n\t\t\/\/ Dapatkan isi (child elements) dari ul dengan id 'list_toc'\r\n\t\tconst clonedChildren = ulFloat.cloneNode(true).children;\r\n\r\n\t\t\/\/ Dapatkan elemen ul dengan id 'list_toc_float'\r\n\t\tconst ulToc = document.getElementById('list_toc_float');\r\n\r\n\t\t\/\/ Tambahkan isi yang telah didapatkan dari 'list_toc' ke ul dengan id 'list_toc_float'\r\n\t\tulToc.append(...clonedChildren);\r\n\r\n\r\n        \/\/ Fungsi untuk mengambil tinggi navbar\r\n\t\tfunction getNavbarHeight() {\r\n\t\t\tconst navbar = document.getElementById('tdi_34');\r\n\t\t\treturn navbar ? navbar.offsetHeight : 0;\r\n\t\t}\r\n\r\n\t\t\/\/ Fungsi untuk menambahkan offset posisi scroll\r\n\t\tfunction scrollToElementWithOffset(elementId) {\r\n\t\t\tconst element = document.getElementById(elementId);\r\n\t\t\tif (element) {\r\n\t\t\t\tconst offset = getNavbarHeight();\r\n\t\t\t\tconst elementPosition = element.getBoundingClientRect().top;\r\n\t\t\t\tconst offsetPosition = elementPosition - offset - 40;\r\n\r\n\t\t\t\twindow.scrollBy({\r\n\t\t\t\t\ttop: offsetPosition,\r\n\t\t\t\t\tbehavior: 'smooth'\r\n\t\t\t\t});\r\n\t\t\t}\r\n\t\t}\r\n\r\n\t\t\/\/ Fungsi untuk menangani klik pada tautan judul\r\n\t\tfunction handleTitleClick(event) {\r\n\t\t\tevent.preventDefault();\r\n\t\t\tconst href = event.target.getAttribute('href').substr(1);\r\n\t\t\tscrollToElementWithOffset(href);\r\n\t\t}\r\n\r\n\t\t\/\/ Tambahkan event listener untuk semua tautan judul\r\n\t\tconst titleLinks = document.querySelectorAll('a[href^=\"#\"]');\r\n\t\ttitleLinks.forEach(link => {\r\n\t\t\tlink.addEventListener('click', handleTitleClick);\r\n\t\t});\r\n\t\t\r\n\t});\r\n    <\/script> -->\r\n<\/span><\/p>\n<p><span data-sheets-root=\"1\"><a href=\"https:\/\/www.hashmicro.com\/id\/tour-produk-gratis\/?medium=demo-gratis-banner\" target=\"_blank\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/02\/01.-Banner-Demo-Gratis-Web.webp\" data-desktop-src=\"https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/02\/01.-Banner-Demo-Gratis-Web.webp\" data-mobile-src=\"https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/02\/01.-Banner-Demo-Gratis-Mobile.webp\" alt=\"DemoGratis\" class=\"responsive-image-banner\"><\/a>\r\n\r\n<script>\r\n    \/\/ check which image to use based on screensize\r\n    document.addEventListener(\"DOMContentLoaded\", function() {\r\n        function updateImageSource() {\r\n            var images = document.querySelectorAll('.responsive-image-banner');\r\n            var screenWidth = window.innerWidth;\r\n\r\n            images.forEach(function(img) {\r\n                var mobileSrc = img.getAttribute('data-mobile-src');\r\n                var desktopSrc = img.getAttribute('data-desktop-src');\r\n\r\n                if (screenWidth < 576 && mobileSrc) {\r\n                    img.setAttribute('src', mobileSrc);\r\n                } else {\r\n                    img.setAttribute('src', desktopSrc);\r\n                }\r\n            });\r\n        }\r\n\r\n        \/\/ Initial check\r\n        updateImageSource();\r\n\r\n        \/\/ Update on resize\r\n        window.addEventListener('resize', updateImageSource);\r\n    });\r\n<\/script>\r\n<span id=\"1\"><\/span><\/span><\/p>\n<h2><strong>Apa Itu Earned Wage Access?<\/strong><\/h2>\n<p><strong>Quick Answer:<\/strong> <em>Earned Wage Access<\/em> (EWA) adalah layanan keuangan yang memungkinkan karyawan mengakses sebagian dari gaji yang telah mereka peroleh secara prorata sebelum tanggal penggajian resmi, tanpa bunga pinjaman yang membebani.<\/p>\n<p><span style=\"font-weight: 400;\">Konsep ini mengubah pola penggajian tradisional yang biasanya kaku menjadi lebih fleksibel sesuai kebutuhan karyawan. Dari pengamatan saya di industri, Earned Wage Access bukanlah pinjaman, melainkan akses atas gaji yang sudah dihasilkan. Perusahaan hanya mencairkan hak karyawan berdasarkan hari kerja yang telah diselesaikan.<\/span><\/p>\n<p>Penerapan sistem ini memberikan jaring pengaman finansial bagi tenaga kerja Anda di tengah ketidakpastian ekonomi. Karyawan tidak perlu lagi terjerat pinjaman online ilegal yang berbunga tinggi saat menghadapi kebutuhan darurat. Hal ini menciptakan lingkungan kerja yang lebih tenang dan fokus pada produktivitas.<\/p>\n<h2><strong>Mekanisme Cara Kerja EWA dalam Sistem Payroll<\/strong><\/h2>\n<p><strong>Quick Answer:<\/strong> EWA bekerja dengan mengintegrasikan platform penyedia dana atau modul internal dengan sistem kehadiran dan <em>payroll<\/em> perusahaan untuk menghitung gaji prorata yang valid, yang kemudian akan dipotong otomatis saat siklus gajian tiba.<\/p>\n<p>Proses dimulai ketika karyawan mengajukan penarikan dana melalui aplikasi yang terhubung dengan sistem HR perusahaan. Sistem akan memverifikasi data kehadiran secara <em>real-time<\/em> untuk memastikan jumlah yang diminta tidak melebihi gaji yang sudah terakumulasi (<em>accrued wages<\/em>). Validasi otomatis ini penting untuk mencegah risiko pembayaran berlebih atau <em>overpayment<\/em>.<\/p>\n<p>Setelah dana cair ke rekening karyawan, sistem <em>backend<\/em> di departemen keuangan akan mencatat transaksi tersebut sebagai potongan (<em>deduction<\/em>). Pada akhir bulan, <a href=\"https:\/\/www.hashmicro.com\/id\/manajemen-human-resource?ref\/earned-wages-access\" target=\"_blank\" rel=\"noopener\">software HRM<\/a> akan secara otomatis mengurangi gaji bersih karyawan sesuai jumlah yang telah diambil. Proses ini menjaga neraca keuangan tetap seimbang tanpa menambah beban administrasi manual bagi tim HR.<span id=\"2\"><\/span><\/p>\n<h2><strong>Perbedaan Fundamental EWA dan Kasbon Konvensional<\/strong><\/h2>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-178302\" src=\"https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/11\/Perbedaan-Fundamental-EWA-dan-Kasbon-Konvensional.webp\" alt=\"earned wage access\" width=\"1200\" height=\"675\" srcset=\"https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/11\/Perbedaan-Fundamental-EWA-dan-Kasbon-Konvensional.webp 1200w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/11\/Perbedaan-Fundamental-EWA-dan-Kasbon-Konvensional-300x169.webp 300w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/11\/Perbedaan-Fundamental-EWA-dan-Kasbon-Konvensional-1024x576.webp 1024w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/11\/Perbedaan-Fundamental-EWA-dan-Kasbon-Konvensional-768x432.webp 768w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/11\/Perbedaan-Fundamental-EWA-dan-Kasbon-Konvensional-747x420.webp 747w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/11\/Perbedaan-Fundamental-EWA-dan-Kasbon-Konvensional-150x84.webp 150w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/11\/Perbedaan-Fundamental-EWA-dan-Kasbon-Konvensional-696x392.webp 696w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/11\/Perbedaan-Fundamental-EWA-dan-Kasbon-Konvensional-1068x601.webp 1068w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<p><strong>Quick Answer:<\/strong> Perbedaan utama terletak pada sumber dana dan efisiensi administrasi; kasbon membebani arus kas perusahaan dan butuh persetujuan manual, sedangkan E<span style=\"font-weight: 400;\">arned Wage Access <\/span>terintegrasi sistem dan seringkali menggunakan dana pihak ketiga atau alokasi khusus.<\/p>\n<h3><b>1. Sumber dana dan risiko arus kas<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Kasbon tradisional umumnya mengambil dana langsung dari kas operasional perusahaan yang bisa mengganggu likuiditas jika tidak dikontrol ketat. Dalam skema EWA modern, dana talangan seringkali disediakan oleh mitra vendor atau diatur dalam pos anggaran terpisah yang tidak mengganggu <\/span><i><span style=\"font-weight: 400;\">cash flow<\/span><\/i><span style=\"font-weight: 400;\"> harian. Ini memberikan keamanan finansial lebih bagi perusahaan.<\/span><\/p>\n<h3><b>2. Beban administrasi dan birokrasi<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Pengajuan kasbon konvensional seringkali melibatkan formulir kertas dan rantai persetujuan manajerial yang panjang dan melelahkan. Sebaliknya, EWA mengandalkan teknologi untuk persetujuan instan berdasarkan data kehadiran yang valid. Penggunaan teknologi seperti<\/span><a href=\"https:\/\/www.hashmicro.com\/id\/blog\/cloud-hcm-software\/\"> <span style=\"font-weight: 400;\">cloud HCM software<\/span><\/a><span style=\"font-weight: 400;\"> memungkinkan proses ini berjalan otomatis tanpa intervensi manual yang rentan kesalahan.<\/span><\/p>\n<h3><b>3. Transparansi biaya<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Kasbon seringkali tidak memiliki struktur biaya yang jelas atau justru membebani karyawan dengan rasa &#8220;berhutang&#8221; pada perusahaan. EWA menawarkan model biaya administrasi transaksi yang transparan dan kecil, tanpa bunga berbunga. Hal ini memposisikan dana tersebut sebagai fasilitas akses gaji, bukan sebagai beban utang jangka panjang.<\/span><\/p>\n<h2><strong>Manfaat Strategis Penerapan EWA bagi Perusahaan<\/strong><\/h2>\n<p><strong>Quick Answer:<\/strong> Bagi perusahaan, <span style=\"font-weight: 400;\">Earned Wage Access <\/span>berfungsi sebagai alat retensi talenta yang kuat, meningkatkan produktivitas dengan mengurangi stres finansial karyawan, serta memperkuat <em>employer branding<\/em> di pasar tenaga kerja yang kompetitif.<\/p>\n<h3><b>1. Meningkatkan retensi dan loyalitas karyawan<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Fleksibilitas keuangan kini menjadi salah satu faktor kunci yang membuat karyawan bertahan di sebuah perusahaan. Dengan menyediakan fasilitas EWA, perusahaan menunjukkan kepedulian nyata terhadap kesejahteraan tim. Karyawan yang merasa didukung secara finansial cenderung memiliki loyalitas lebih tinggi dan enggan berpindah kerja.<\/span><\/p>\n<h3><b>2. Mengurangi tingkat stres finansial<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Stres akibat masalah keuangan adalah salah satu pengganggu terbesar fokus dan produktivitas kerja di kantor. Karyawan yang memiliki akses dana darurat melalui gajinya sendiri akan merasa lebih tenang dan aman. Ketengan pikiran ini berkorelasi langsung dengan peningkatan kinerja dan penurunan tingkat absensi yang tidak perlu.<\/span><\/p>\n<h3><b>3. Efisiensi proses rekrutmen<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Mencantumkan &#8220;Gaji Fleksibel&#8221; atau fasilitas EWA dalam penawaran kerja dapat menjadi nilai tambah yang signifikan. Hal ini membedakan perusahaan Anda dari kompetitor dan menarik kandidat berkualitas yang mencari stabilitas serta fleksibilitas. Proses rekrutmen menjadi lebih efektif dengan <\/span><i><span style=\"font-weight: 400;\">value proposition<\/span><\/i><span style=\"font-weight: 400;\"> yang kuat.<\/span><\/p>\n<h2><strong>Tantangan dan Risiko yang Perlu Dipertimbangkan<\/strong><\/h2>\n<p><strong>Quick Answer:<\/strong> Tantangan utama meliputi potensi kesalahan perhitungan pajak PPh 21, ketergantungan karyawan pada penarikan dini, serta kompleksitas integrasi data jika tidak menggunakan software yang kompatibel.<\/p>\n<p>Dari sisi karyawan, risiko terbesar adalah manajemen keuangan pribadi yang buruk jika tidak dibarengi edukasi yang tepat. Kemudahan akses dana bisa membuat karyawan terus menarik gaji di awal, sehingga gaji akhir bulan menjadi sangat kecil atau nihil. Perusahaan perlu menetapkan batasan persentase penarikan yang bijak.<\/p>\n<p>Bagi tim HR dan Finance, tantangan teknis terletak pada kerumitan rekonsiliasi data penggajian dan perhitungan pajak. Jika sistem EWA tidak terintegrasi mulus dengan sistem <em>payroll<\/em> utama, risiko kesalahan hitung pajak dan potongan akan meningkat drastis. Oleh karena itu, infrastruktur teknologi yang mumpuni adalah syarat mutlak.<span id=\"3\"><\/span><\/p>\n<h2><strong>Peran Software HRIS dalam Mengelola EWA<\/strong><\/h2>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-178301\" src=\"https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/11\/Peran-Software-HRIS-dalam-Mengelola-EWA.webp\" alt=\"earned wage access\" width=\"1200\" height=\"675\" srcset=\"https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/11\/Peran-Software-HRIS-dalam-Mengelola-EWA.webp 1200w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/11\/Peran-Software-HRIS-dalam-Mengelola-EWA-300x169.webp 300w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/11\/Peran-Software-HRIS-dalam-Mengelola-EWA-1024x576.webp 1024w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/11\/Peran-Software-HRIS-dalam-Mengelola-EWA-768x432.webp 768w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/11\/Peran-Software-HRIS-dalam-Mengelola-EWA-747x420.webp 747w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/11\/Peran-Software-HRIS-dalam-Mengelola-EWA-150x84.webp 150w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/11\/Peran-Software-HRIS-dalam-Mengelola-EWA-696x392.webp 696w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/11\/Peran-Software-HRIS-dalam-Mengelola-EWA-1068x601.webp 1068w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<p><strong>Quick Answer:<\/strong> Software HRIS modern memegang peran vital dalam mengotomatisasi validasi data kehadiran, menghitung limit penarikan yang aman, dan melakukan pemotongan gaji otomatis untuk mencegah <em>human error<\/em>.<\/p>\n<h3><b>1. Otomatisasi perhitungan potongan gaji<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Sistem HRIS yang canggih mampu mengalkulasi gaji pokok, tunjangan, dan berbagai potongan secara otomatis dalam satu siklus. Fitur ini memastikan bahwa setiap penarikan EWA tercatat rapi dan langsung mengurangi <\/span><i><span style=\"font-weight: 400;\">take home pay<\/span><\/i><span style=\"font-weight: 400;\"> akhir bulan secara akurat. Hal ini menghilangkan beban administrasi manual yang memakan waktu.<\/span><\/p>\n<h3><b>2. Manajemen validasi data kehadiran<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Dasar dari pencairan EWA adalah jumlah hari kerja yang telah dilalui oleh karyawan tersebut. Integrasi dengan mesin absensi atau sistem kehadiran biometrik memastikan data yang digunakan untuk perhitungan limit adalah data valid. Manipulasi data kehadiran dapat dicegah, sehingga perusahaan tidak membayar upah yang belum menjadi hak karyawan.<\/span><\/p>\n<h3><b>3. Pengelolaan pinjaman terpusat<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Selain EWA eksternal, perusahaan juga bisa mengelola skema pinjaman internal dengan lebih profesional menggunakan modul HRIS. Fitur seperti <\/span><i><span style=\"font-weight: 400;\">Employee Loan Management<\/span><\/i><span style=\"font-weight: 400;\"> memungkinkan pengaturan persetujuan berjenjang dan pelacakan sisa cicilan secara transparan. Ini memberikan fleksibilitas bagi perusahaan untuk memilih model bantuan finansial yang paling sesuai.<\/span><\/p>\n<p data-start=\"1108\" data-end=\"1257\">Jika Anda merasa fitur-fitur ini sesuai dengan kebutuhan bisnis Anda, Anda dapat melihat estimasi biayanya dengan mengklik banner harga di bawah ini.<\/p>\n<p data-start=\"1108\" data-end=\"1257\"><span data-sheets-root=\"1\"><\/span><\/p>\n<h2><strong>Optimalkan Manajemen Earned Wage Access Anda dengan Solusi dari HashMicro<\/strong><\/h2>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-177631 size-full\" src=\"https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/04\/hashmicro-hr.webp\" alt=\"hashmicro earned wages access\" width=\"1450\" height=\"900\" srcset=\"https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/04\/hashmicro-hr.webp 1450w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/04\/hashmicro-hr-300x186.webp 300w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/04\/hashmicro-hr-1024x636.webp 1024w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/04\/hashmicro-hr-768x477.webp 768w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/04\/hashmicro-hr-677x420.webp 677w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/04\/hashmicro-hr-150x93.webp 150w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/04\/hashmicro-hr-696x432.webp 696w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/04\/hashmicro-hr-1068x663.webp 1068w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/04\/hashmicro-hr-356x220.webp 356w\" sizes=\"auto, (max-width: 1450px) 100vw, 1450px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">HashMicro menyediakan sistem ERP terintegrasi yang mengotomatisasi proses bisnis, termasuk pengelolaan SDM dan penggajian. Solusi ini membantu mengatasi tantangan seperti perhitungan gaji manual, pengelolaan pinjaman karyawan, dan validasi kehadiran untuk kebutuhan EWA. Sistemnya lebih cepat dan akurat.<\/span><\/p>\n<p>Melalui modul <a href=\"https:\/\/www.hashmicro.com\/id\/manajemen-human-resource\">Human Resource Management<\/a>, HashMicro mendukung seluruh siklus administrasi karyawan dalam satu platform. Fitur seperti manajemen pinjaman dan perhitungan pajak otomatis memudahkan perusahaan menjalankan skema gaji fleksibel. Proses ini menjadi lebih aman dan efisien bagi tim HR.<\/p>\n<p><span style=\"font-weight: 400;\">Sistem HashMicro memiliki integrasi penuh antar modul sehingga data absensi, lembur, dan komponen gaji dapat tersinkron otomatis. Proses ini memberi visibilitas yang jelas terhadap biaya tenaga kerja dan memastikan keputusan terkait kesejahteraan karyawan dibuat berdasarkan informasi yang akurat.<\/span><\/p>\n<h3><strong>Fitur Software HR &amp; Payroll HashMicro:<\/strong><\/h3>\n<ul>\n<li><strong>Employee Loan Management:<\/strong> Mengotomatiskan seluruh proses pengajuan, persetujuan, hingga pemotongan gaji untuk pinjaman atau kasbon karyawan, memastikan transparansi dan keteraturan arus kas.<\/li>\n<li><strong>Fully Localized Payroll:<\/strong> Menghitung gaji, PPh 21, BPJS, dan komponen lainnya secara otomatis sesuai regulasi pemerintah Indonesia, meminimalisir risiko kepatuhan hukum.<\/li>\n<li><strong>Face Recognition &amp; GPS Attendance:<\/strong> Memvalidasi kehadiran karyawan secara akurat untuk memastikan perhitungan gaji prorata atau EWA berbasis pada data kerja yang sebenarnya.<\/li>\n<li><strong>Daily and Hourly Worker Payslip:<\/strong> Mengelola perhitungan upah harian atau per jam secara fleksibel, sangat cocok untuk bisnis dengan tenaga kerja dinamis yang membutuhkan akses gaji lebih cepat.<\/li>\n<li><strong>In-Depth Payroll Reporting:<\/strong> Menyediakan laporan penggajian yang komprehensif dan mendalam untuk analisis biaya SDM yang lebih baik dan pengambilan keputusan strategis.<\/li>\n<\/ul>\n<p>Dengan HashMicro, perusahaan Anda dapat meningkatkan efisiensi operasional, transparansi data, dan otomatisasi proses HR yang lebih baik. Untuk melihat bagaimana solusi kami dapat membantu bisnis Anda secara nyata, jangan ragu untuk <a href=\"https:\/\/www.hashmicro.com\/id\/tour-produk-gratis\/\" target=\"_blank\" rel=\"noopener\">mencoba demo gratisnya sekarang juga<\/a>.<\/p>\n<h2><strong>Kesimpulan<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Earned Wage Access menawarkan cara baru untuk membantu karyawan mengakses sebagian gaji sebelum tanggal penggajian. Dengan memahami cara kerja Earned Wage Access, manfaatnya bagi bisnis, serta integrasinya dengan sistem HR, perusahaan dapat meningkatkan efisiensi penggajian dan mendukung kesejahteraan karyawan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.hashmicro.com\/id\/manajemen-human-resource\">HashMicro<\/a> menawarkan HRIS dengan fitur EWA terintegrasi yang mempermudah pencatatan gaji dan otomatisasi payroll. Sistem ini meningkatkan akurasi penggajian dan mengurangi beban administratif. Dengan pengelolaan data real time, bisnis dapat memberi fleksibilitas tanpa menambah proses yang rumit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jika Anda ingin melihat bagaimana EWA terintegrasi dapat menyederhanakan proses payroll, Anda dapat meminta <a href=\"https:\/\/www.hashmicro.com\/id\/tour-produk-gratis\/\">free demo<\/a> untuk mencobanya langsung. Ini membantu Anda memahami manfaatnya bagi tim Anda. Lanjutkan dengan menjadwalkan sesi demo agar bisnis Anda semakin efisien.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><a href=\"https:\/\/www.hashmicro.com\/id\/eva-hris-essentials?medium=moneysite-banner\" target=\"_blank\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/02\/09.-HRM-Software-Web.webp\" data-desktop-src=\"https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/02\/09.-HRM-Software-Web.webp\" data-mobile-src=\"https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2025\/02\/09.-HRM-Software-Mobile.webp\" alt=\"HRM\" class=\"responsive-image-banner\"><\/a>\r\n\r\n<script>\r\n    \/\/ check which image to use based on screensize\r\n    document.addEventListener(\"DOMContentLoaded\", function() {\r\n        function updateImageSource() {\r\n            var images = document.querySelectorAll('.responsive-image-banner');\r\n            var screenWidth = window.innerWidth;\r\n\r\n            images.forEach(function(img) {\r\n                var mobileSrc = img.getAttribute('data-mobile-src');\r\n                var desktopSrc = img.getAttribute('data-desktop-src');\r\n\r\n                if (screenWidth < 576 && mobileSrc) {\r\n                    img.setAttribute('src', mobileSrc);\r\n                } else {\r\n                    img.setAttribute('src', desktopSrc);\r\n                }\r\n            });\r\n        }\r\n\r\n        \/\/ Initial check\r\n        updateImageSource();\r\n\r\n        \/\/ Update on resize\r\n        window.addEventListener('resize', updateImageSource);\r\n    });\r\n<\/script>\r\n<\/span><\/p>\n<h2><strong>Pertanyaan Seputar Earned Wages Access<\/strong><\/h2>\n<ul class=\"bottom_faq\">\n<li>\n<details>\n<summary><strong>Apakah EWA dikenakan bunga seperti pinjaman?<br \/>\n<\/strong><\/summary>\n<p>Tidak, EWA umumnya tidak mengenakan bunga karena ini bukan pinjaman, melainkan akses gaji sendiri. Biasanya hanya ada biaya admin transaksi kecil per penarikan.<\/p>\n<\/details>\n<\/li>\n<li>\n<details>\n<summary><strong>Bagaimana pengaruh EWA terhadap pajak PPh 21?<br \/>\n<\/strong><\/summary>\n<p>Secara prinsip akuntansi, EWA adalah pembayaran gaji di muka. Perhitungan PPh 21 tetap dilakukan pada total penghasilan bruto di akhir bulan, sehingga tidak mengubah kewajiban pajak setahun.<\/p>\n<\/details>\n<\/li>\n<li>\n<details>\n<summary><strong>Bisakah EWA diterapkan tanpa vendor pihak ketiga?<br \/>\n<\/strong><\/summary>\n<p>Bisa, perusahaan dapat menggunakan fitur Employee Loan Management pada software HRIS seperti HashMicro untuk mengelola skema kasbon modern secara internal dengan aturan yang disesuaikan.<\/p>\n<\/details>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Banyak karyawan kesulitan memenuhi kebutuhan mendesak karena gaji hanya cair di akhir bulan. Masalah ini sering memicu stres finansial dan turunnya produktivitas. Earned Wage Access hadir sebagai solusi untuk memberi akses gaji lebih cepat. Bagi bisnis, tantangannya adalah menyediakan fleksibilitas tanpa menambah beban kerja payroll. Integrasi EWA dengan software HRIS membuat proses penggajian lebih efisien [&hellip;]<\/p>\n","protected":false},"author":218,"featured_media":178304,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6],"tags":[],"class_list":{"0":"post-178102","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-hrm"},"acf":{"post_reviewer":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.1 (Yoast SEO v25.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Earned Wage Access: Strategi Gaji Fleksibel untuk Bisnis Modern<\/title>\n<meta name=\"description\" content=\"Earned Wage Access memberi karyawan akses gaji lebih cepat tanpa bunga. 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