First Step Towards Global Expansion: Pegadaian Timor-Leste Records Brilliant Performance

PT Pegadaian has marked a new milestone in its business journey by officially expanding into the international market. Commemorating its 125th anniversary, the leading Indonesian financial institution inaugurated its first overseas branch, Pegadaian Timor Leste Branch, located in the Grand Diocese Colmera Complex, Dili, Timor-Leste, on 30 March 2026.

This strategic expansion is part of a major commitment by Pegadaian, alongside the Ultra Micro (UMi) Holding of the BRI Group, to extend the reach of inclusive finance across borders. Pegadaian’s presence in Timor-Leste aims to build an integrated financial ecosystem, complementing the services of PT Bank Rakyat Indonesia (Persero) Tbk, which has been present in the country since 2017, while serving as a strategic partner in driving local grassroots economic growth.

Only two months after commencing official operations, Pegadaian’s international business in Timor-Leste has shown a very positive growth trend. The availability of fast, secure, and easily accessible financing solutions has received an extraordinary response from the public, particularly from MSME entrepreneurs in Dili.

This high market acceptance is reflected in the performance during the first two months of operation up to May 202le, where pawn credit services successfully processed over 600 transactions, with total financing turnover surpassing USD 329,882. This impressive development proves that Pegadaian’s pawn business model is highly relevant to the financial needs of the Timorese people, who require short-term liquidity without complicated procedures.

As a tangible manifestation of its corporate social responsibility, PT Pegadaian also launched the ‘Gadai Peduli’ (Caring Pawn) programme in Timor-Leste on 1 April 2026, coinciding with its 125th anniversary. This innovative programme is specifically designed to alleviate the economic burden on the community for urgent needs, such as education and healthcare costs.

Through a collateral scheme that supports the community, the programme offers interest-free loans (zero per cent) for a full two-month period for loan ceilings up to USD 100. Public enthusiasm for the programme has been very high, evidenced by the total realisation of the Gadai Peduli programme reaching USD 6,406 as of the end of May 2026.