Expanding Sharia Financing Services, Bank BSN Partners with Pegadaian

PT Bank Syariah Nasional (Bank Broll) is strengthening its productive financing penetration by disbursing a working capital facility worth Rp1.4 trillion to PT Pegadaian. This strategic move is designed to support liquidity enhancement, the expansion of Sharia-based financial services, and the acceleration of digital service integration between both institutions.

The President Director of Bank BSN, Alex Sofjan Noor, stated that this collaboration is a strategic step in reinforcing Bank BSN’s role as a primary partner in Indonesia’s Sharia financial industry. The funding facility is provided in the form of a ‘BSN Working Capital – Line Facility’ using the Musyarakah contract, which adheres to Sharia principles.

“Through this financing facility, Bank BSN is not only supporting PT Pegadaian’s working capital needs to expand Sharia financing services—covering both Sharia pawn products and non-pawn financing—but also reaffirming our commitment to providing productive, sustainable financial solutions that add value to society,” said Alex in Jakarta on Monday, 8 June 2026.

This collaboration places Bank BSN alongside several major banks that have previously established financing partnerships with the state-owned financing company. According to Alex, the growth trend in Sharia financing, particularly in the Sharia pawn and gold-based financing segments, continues to show increasing potential in Indonesia, which is expected to drive the industry’s contribution to the national economy.

At the same time, the Director of Finance and Strategic Planning of PT Pegadaian, Ferdian Timur Satyagraha, emphasised that this Rp1.4 trillion financing synergy serves as tangible evidence of the high level of trust banking partners have in Pegadaian’s solidly growing business fundamentals.

“This cooperation will serve as a new driving force for us to expand the reach of inclusive working capital financing, while simultaneously accelerating the digital transformation we are aggressively pursuing to provide cutting-edge convenience for all customers,” said Ferdian.

Bank BSN and Pegadaian are also committed to integrating their services digitally to ensure seamless transaction convenience for customers. Currently, both parties are maturing several prospective digital initiatives. One of the primary focuses is the plan to add Pegadaian’s Gold Savings feature directly within Bank BSN’s mobile banking application, known as Bale Syariah.