Pegadaian and Bank Syariah Nasional Collaborate on Funding and Digital Service Integration

PT Pegadaian and Bank Syariah Nasional (BSN) have officially entered into a synergy through the signing of a comprehensive working capital financing facility agreement. Both parties are fully committed to mutually supporting the strengthening of liquidity and the expansion of sharia-based financial services. The signing ceremony took place at Menara 1 BTN, Central Jakarta, on Monday (8/6). The event was attended by PT Pegadaian’s Director of Finance and Strategic Planning, Ferdian Timur Satyagraha, and BSN President Director, Alex Sofjan Noor, along with management from each company. Pegadaian’s Director of Finance and Strategic Planning, Ferdian Timur Satyagraha, stated that the Rp 1.4 trillion financing synergy was not merely a figure on paper, but tangible proof of the financial institution’s confidence in Pegadaian’s solid, growing business fundamentals. He added that the collaboration would serve as a new driving force to expand inclusive working capital financing reach while accelerating the company’s aggressive digital transformation to provide modern convenience for all customers. Beyond conventional financing, the agreement also includes a firm commitment from both parties to digitally integrate their services. This move aims to respond to the demands of a digital era and ensure seamless transactions for customers of both institutions. BSN President Director Alex Sofjan Noor conveyed that this financing cooperation is an effort by the bank to strengthen its role in the national sharia finance industry. He confirmed that the working capital financing was disbursed using a musyarakah contract in compliance with sharia principles. Alex stated that BSN not only supports PT Pegadaian’s working capital needs in expanding sharia financing services but also reaffirms the bank’s commitment to delivering productive, sustainable financial solutions that provide added value to the community. As a concrete form of collaborative commitment, Pegadaian and BSN are currently exploring the prospective addition of Pegadaian’s Gold Savings feature directly within BSN’s mobile banking app, Bale Syariah. Through this integration, BSN customers will eventually be able to invest, top up, and monitor their gold portfolios without having to switch applications. Furthermore, this digital initiative extends to Pegadaian’s digital ecosystem, with both parties finalising the addition of BSN account options as a primary channel for loan disbursements and repayments within Pegadaian’s Tring! application. This option is expected to cut transactional bureaucracy and provide significantly higher flexibility for loyal users. Pegadaian and BSN have assured that this is not the end of their joint innovation, and they will continue to actively explore other strategic cooperation potentials to strengthen long-term synergy, drive national financial inclusion, and contribute more significantly to the Indonesian sharia economy.