Pawning Transactions Increase, Ambalawi Community Utilises Gold as Liquidity Source
Jakarta (ANTARA) – PT Pegadaian Bima Branch has recorded a significant surge in pawning transactions across various areas of Bima City and Bima Regency, particularly in the PT Pegadaian UPC Ambalawi area, right after the Ramadan and Eid al-Fitr 1447 H period.
This situation indicates that the public is increasingly savvy in utilising their owned assets, especially gold, as a short-term liquidity source without having to sell it. This trend serves as an indication of rising financial literacy as well as changes in financial management behaviour post-Eid.
Based on internal Pegadaian data up to the end of April 2026, there has been a quite significant increase in pawning transactions compared to the pre-Eid period. The majority of transactions are dominated by pawning gold jewellery, which the public uses to meet post-holiday needs such as education costs, business capital, and household expenses.
This increase reflects that gold is not only viewed as an investment instrument but also as a liquid asset that can be flexibly utilised when needed.
“Post-Eid, the public’s liquidity needs tend to increase. However, what is interesting is that the public 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 for Pegadaian Bima and Pegadaian Sumbawa, Mustofa.
According to Mustofa, Pegadaian UPC Ambalawi has experienced quite significant growth of 21.65 per cent year to date. Meanwhile, in terms of the Area, Pegadaian Bima and Sumbawa Island itself has grown by 23.68 per cent.
The easy and transparent process as well as quick fund disbursement are the main reasons the public chooses Pegadaian’s pawning services as a financial solution.
In addition, the Interest-Free Pawning programme, extended until the end of April 2026, has become a particular attraction. Through this programme, customers can obtain loans with 0 per cent capital rental fees, making the financial burden lighter amid the post-Eid financial recovery phase.
“This programme is presented to help the public maintain financial stability without having to lose their valuable assets. Gold remains safe, needs remain fulfilled,” added Mustofa.
Meanwhile, the Regional Head of Kanwil VII Denpasar, Edy Purwanto, stated that pawning activities in the NTB region, especially in Bima City/Regency, have experienced quite significant growth after Eid.
“We see a quite high increase in pawning transactions post-Eid, especially at Pegadaian Bima Branch and service units like Pegadaian UPC Ambalawi. This shows that the public is increasingly understanding the function of pawning as a wise and planned financial solution,” said Edy.
With this positive trend, 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.