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This study aims to determine the factors that motivating Employees in Taking Early Retirement Program. In this study the author uses the theory of intuition, theory of dismissal, theory of retirement and theory of early retirement. This research type is descriptive with qualitative approach. Respondents generally are all employees who apply for and passed the early retirement in 2019 at PT. Bank Muamalat Indonesia, Tbk. Bandung Branch. The instruments used are researchers, observation and interview guides. The analysis used an interactive model analysis. The results showed that there were six factors that motivating employees to take early retirement program such as : take care of the family, taking advantage and opportunity of program offered by company, get another job, motivation to become an entrepreneur, dissatisfaction of benefits, the desire to enjoy old age with retirement. Take care of the family considered as the main factor since the employee who decide to take early retirement program are dominated by women employee. This research contribute reference especially for the Human Resource Department in the banking industry to perform better management of human capital.