PT Pegadaian MSME and financial inclusion initiatives

PT Pegadaian has implemented several initiatives aimed at supporting micro, small, and medium enterprises (MSMEs) and expanding financial inclusion in Indonesia.

In September 2026, the company’s Regional Office VI launched a barbershop training program in Makassar. This community empowerment effort, part of its Social and Environmental Responsibility program, focuses on technical skills and business management to foster economic independence. This initiative followed a period of strong financial growth for the company, which reported a significant increase in both total assets and net profit compared to the previous year.

By late September 2026, the company expanded its services nationwide with the launch of ‘Gadai Bebas Sewa Modal’ (Interest-Free Pawn Program). Effective September 28, 2026, this service provides 0% interest credit to assist social groups such as students, housewives, daily laborers, and MSMEs with emergency funds or working capital. The program allows for various forms of collateral, including gold, gadgets, and business equipment.

Specific loan categories under this program offer amounts ranging from Rp50,000 to Rp1,000,000 with a 30-day credit tenor. Selfie Dewiyanti, Director of Marketing and Product Development at PT Pegadaian, stated that the program is a commitment to providing a ‘light and burden-free first experience’ for individuals who have not previously utilized pawn services. The program also includes administrative fees ranging from Rp2,000 to Rp10,000 depending on the loan amount.