JConnect E-KMG is a mobile application designed for civil servants who wish to apply for multifunctional loans and pre-retirement loans. The app is developed by PT. Bank Pembangunan Daerah Jawa Timur Tbk. and is available for free on Android 9.0 platform.

The app's main feature is the ability to apply for loans online, making it convenient for users to apply for loans anytime, anywhere. The app is specifically designed for civil servants who work in the East Java region and receive their payroll through Bank Jatim. The app's interface is simple and easy to navigate, making it accessible for all users. Overall, JConnect E-KMG is a useful app for civil servants who need quick and easy access to multifunctional loans and pre-retirement loans.