Ambalawi Community Utilises Gold as a Source of Liquidity
The needs of the community during Ramadan and Eid al-Fitr 1447 H tend to increase, necessitating efforts to manage finances again after the period has passed. After the Eid period, the Bima Branch of PT Pegadaian recorded a significant surge in pawn transactions across various areas of Bima City and Bima Regency, particularly in the PT Pegadaian UPC Ambalawi region.
This situation shows that the community is becoming increasingly savvy in utilising their owned assets, especially gold as a source of short-term liquidity without having to sell it. Moreover, this trend indicates rising financial literacy and a change in behaviour regarding financial management post-Eid.
Based on internal Pegadaian data up to the end of April 2026, there was a quite significant increase in pawn transactions compared to the period before Eid. The majority of transactions were dominated by pawning gold jewellery, which the community used to meet post-holiday needs such as education costs, business capital, and household expenses.
This number reflects that gold is not only viewed as an investment instrument but also as a liquid asset that can be utilised flexibly when needed.
“Post-Eid, community liquidity needs tend to increase. However, what is interesting is that the community now prefers to pawn gold rather than sell it, especially at Pegadaian UPC Ambalawi. This shows awareness that gold is still retained as a long-term asset,” said Deputy Business Area of Pegadaian Bima and Pegadaian Sumbawa, Mustofa, in a written statement on Monday (27/4/2026).
He said that Pegadaian UPC Ambalawi experienced quite significant growth of 21.65% year to date. Meanwhile, for the Area, Pegadaian Bima and Sumbawa Island itself grew by 23.68%.
On the other hand, Pegadaian offers solutions through various quick, safe, and transparent pawn products. The easy process and quick fund disbursement become the main reasons the community chooses Pegadaian’s pawn services as a financial solution.
In addition, the Gadai Bebas Bunga programme, extended until the end of April 2026, also serves as a particular attraction. Through this programme, customers can obtain loans with 0% capital rental costs, making the financial burden lighter amid the post-Eid financial recovery phase.
“We present this programme to help the community maintain financial stability without having to lose their valuable assets. Gold remains safe, needs remain fulfilled,” explained Mustofa.
The trend of increasing pawn transactions is also clearly visible. The Head of Regional Office VII Denpasar, Edy Purwanto, stated that pawn activities in the NTB region, especially Bima City/Regency, experienced quite significant growth after Eid.
“We see a quite high increase in pawn transactions post-Eid, especially at Pegadaian Bima Branch and service units like Pegadaian UPC Ambalawi. This shows that the community is increasingly understanding the function of pawning as a wise and planned financial solution,” said Edy.
Looking at this positive trend, PT Pegadaian is optimistic that the utilisation of pawning as a financial instrument will develop further, not only as an emergency solution but also as part of a healthy and sustainable financial management strategy.