# PT Pegadaian MSME and financial inclusion initiatives

> Live situation record from CLSTR: https://clstr.news/situations/pt-pegadaian-msme-and-financial-inclusion-initiatives
> Updated: 2026-10-06T11:01:12.000Z. Sources: 12. Developments: 2.

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.

## Timeline

### 2026-10-06: Indonesia foreign exchange reserves reach US$146.3 billion

Indonesia's foreign exchange reserves reached US$146.3 billion in September 2026, remaining stable enough to cover over five months of imports despite global market volatility.

10 sources. https://clstr.news/cluster/pegadaian-launches-interest-free-pawn-program-for-new-customers

### 2026-09-17: PT Pegadaian launches MSME barbershop training in Makassar

PT Pegadaian is conducting barbershop training in Makassar to empower MSMEs, alongside reporting significant financial growth including a net profit of Rp4.38 trillion as of April 2026.

2 sources. https://clstr.news/cluster/pt-pegadaian-launches-msme-barbershop-training-in-makassar

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Cite as: PT Pegadaian MSME and financial inclusion initiatives. CLSTR, https://clstr.news/situations/pt-pegadaian-msme-and-financial-inclusion-initiatives