Pegadaian History and Current Operations

Pegadaian has a long and storied history that dates back to 1909, when it was established as a pawnshop in Yogyakarta, Indonesia.

Pegadaian was initially founded by Ki Hajar Dewantara, a renowned Indonesian independence leader, with the goal of providing financial services to the local community.

As a pawnshop, Pegadaian's primary function was to lend money to people in need by accepting valuable items as collateral.

Today, Pegadaian operates as a state-owned enterprise, with over 2,500 branches across Indonesia, making it one of the largest pawnshop networks in the country.

Pegadaian has a long history that dates back to the 18th century when the Dutch East India Company established a Bank van Lening.

The first Pegadaian was established in Sukabumi, West Java on April 1, 1901, after the Dutch East Indian government issued a law that monopolized the pawnshop business and only allowed the government to run it.

The Dutch Military Aggression II forced the office of Pegadaian to move again to Magelang.

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In the early days of the government of the Republic of Indonesia, the office was moved to Karanganyar, Kebumen due to the increasingly heated war.

After the war of independence, Perjan Pegadaian back to Jakarta and Pegadaian run by the Government of the Republic of Indonesia.

In 1961, the status of Pegadaian changed to Perusahaan Negara (PN), and then in 1969, it was changed again to a Bureau Company (Testament).

The status of Pegadaian changed again in 1990 to Perusahaan Umum (Perum), and then in 2011, it was changed to PT as set out in Government Regulation (PP) No.51/2011.

On July 2, 2021, the government of Indonesia officially handed over its Pegadaian shares to Bank Rakyat Indonesia through Government Regulation Number 73 of 2021.

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Pegadaian is a well-known company, but did you know they offer a wide range of products beyond their core business?

Their standard product is conventional pawnbroking, also known as Kredit Cepat Aman, which allows you to pawn valuable items like jewelry, motor vehicles, or electronics.

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The credit term for this service is 120 days.

Interest rates will vary according to the amount borrowed and are charged per 15 days or part thereof.

A minimum interest rate of 0.75% is applied for each 15 day period, but higher rates like 1% per 15 days are typical.

In addition to insurance, an administration fee is payable at the time of pawning, which can be up to Rp 21,000, as seen in an example.

Pegadaian's interest rates can add up over time, with a total interest and fee of Rp 400,000 incurred for a loan of 1.3 million rp after 360 days, assuming a 1%/15 days interest rate.

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Pegadaian offers services on Sundays, but only at specific locations.

The opening hours on Sundays are from 10.00 to 14.00.

You can find the list of locations that are open on Sundays below:

Pegadaian offers services on holidays, which is convenient for those who need to make transactions on weekends.

On Sundays, Pegadaian branches are open from 10:00 AM to 2:00 PM.

Some of the locations that are open on Sundays include Mal Artha Gading, Mal Ambasador, and Tamini Square.

Here's a list of some of the specific locations that are open on Sundays:

Pelayanan super buruk bisa dialami oleh siapa saja, bahkan oleh pelanggan yang sudah setahun lebih lalu. Saya pernah mencoba cicil emas di Pegadaian, tapi sampai sekarang belum juga selesai.

Data yang sudah ada bisa dihapuskan oleh pihak Pegadaian, sehingga pelanggan harus mengulang proses yang sudah lama. Ini bisa menyebabkan kerugian besar bagi pelanggan.

Saya rasa sangat rugi karena kinerja staff Pegadaian yang tidak baik dan lambat. Bayangkan jika saya tidak bisa mengambil cicilan emas 50g yang sudah saya bayar lunas lebih dari setahun lalu.

Harga emas saat ini sudah naik sangat tinggi, sekitar 600rb dari harga awal. Ini bisa menjadi pelajaran bagi pelanggan untuk berhati-hati dalam menggunakan jasa Pegadaian.

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PT Pegadaian was founded in Sukabumi, West Java on April 1, 1901.

The company has expanded its services beyond the traditional pawnshop industry to offer a range of products and services such as Tabungan Emas, Cicil Emas, and Arisan Emas, which allow customers to invest in gold easily.

Pegadaian is also involved in the financial services sector, providing products such as Haji and Umroh financing, Kredit Mikro, Kredit Kendaraan, and KUR Syariah.

As of 2021, Pegadaian is part of the Holding Ultra Mikro, working alongside BRI and PNM to support the growth of small and medium-sized enterprises (UMKM).

PT Pegadaian was founded in Sukabumi, West Java on April 1, 1901.

The company offers a wide range of products and services, including investment options like Tabungan Emas, Cicil Emas, and Arisan Emas.

Pegadaian is part of the Holding Ultra Mikro group, along with BRI and PNM, and is committed to supporting small and medium enterprises (UMKM).

In December 2024, Pegadaian became a pioneer in the bullion business, receiving a license from the Otoritas Jasa Keuangan (OJK).

Pegadaian's products and services can be accessed both online and offline through their mobile app, Pegadaian Digital.

Pegadaian Digital offers various features, including Gadai, Cicil Emas Batangan, Tabungan Emas, and more.

The minimum tenor for Gadai is 1 day, while the maximum tenor is 120 days.

The minimum denomination for Cicil Emas Batangan is 0.5 grams, and the maximum margin is 11.04% per year.

Pegadaian Digital also offers a Tabungan Emas with a minimum deposit of Rp10,000 and a minimum buyback of 0.01 grams.

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At PT Pegadaian, corporate values are at the heart of everything they do. They strive to provide the best contribution to the country by prioritizing professionalism, integrity, and synergy to create a better Indonesia for the future.

Their commitment to upholding the trust given to them is unwavering. They believe in being reliable and responsible in all their actions.

To stay ahead, PT Pegadaian emphasizes the importance of being competent and continuously learning and developing their capabilities. They believe that growth and self-improvement are key to success.

The company values diversity and promotes a culture of mutual respect and care. They believe that every individual brings unique perspectives and strengths that contribute to the organization's success.

PT Pegadaian's dedication to the nation and its people is evident in their commitment to putting the country's interests above all else. They strive to make a positive impact and contribute to the country's growth and development.

Innovation and adaptability are highly valued at PT Pegadaian. They encourage a culture of creativity and enthusiasm, always seeking to improve and innovate in the face of change.

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Pegadaian has introduced a new onboarding process that simplifies registration, creating an account, and opening a gold savings account into a single flow.

Their digital platform has also made it easier to link a BRI account, allowing for direct debit transactions.

You can now redeem your points for vouchers at The Gade and Galeri 24, which can be a great perk for loyal customers.

The Pegadaian Digital platform has a fresh new look, making it more enjoyable to use.

You can now enjoy a simplified onboarding process with Pegadaian Digital, which allows you to register, get a premium account, and open a gold savings account all in one flow.

One of the exciting new features is the ability to link your BRI account, making it easier to manage your finances.

Direct debit from BRI is also now available, providing you with more flexibility when it comes to your transactions.

You can earn points for using merchant vouchers, which can be redeemed for vouchers at The Gade and Galeri 24.

The interface has been updated to a fresh and modern look, making it more enjoyable to use Pegadaian Digital.

The new services are only available on Pegadaian Digital, so be sure to update your app to take advantage of them.

Harga emas dari tiga produk logam mulia, yaitu buatan UBS, Galeri 24 dan Antam terpantau stabil.

Emas Galeri 24 stabil di angka Rp1.918.000 per gram, begitu pula emas Antam yang turut stabil di Rp 2.001.000 per gram.

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Emas UBS tetap dibanderol dengan harga Rp1.935.000 per gram.

Emas Galeri 24 dijual dengan kuantitas 0,5 gram hingga 1.000 gram atau 1 kilogram.

Emas UBS dijual dengan kuantitas 0,5 gram hingga 500 gram.

Harga emas UBS 0,5 gram adalah Rp1.046.000.

Harga emas Galeri24 0,5 gram adalah Rp1.007.000.

Harga emas Antam 3 gram adalah Rp5.883.000.

Harga emas Antam 100 gram adalah Rp194.075.000.

Harga emas Antam 1.000 gram adalah Rp1.939.176.000.

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