Pegadaian and BSN 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 supporting each other in strengthening liquidity and expanding Sharia-based financial services. The signing ceremony was held solemnly at Menara 1 BTN, Central Jakarta.
“The synergy between Pegadaian and BSN in this Rp 1.4 trillion financing is not merely a figure on paper, but a tangible manifestation of the great trust financial institutions have in Pegadaim’s steadily 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,” stated the Director of Finance and Strategic Planning of PT Pegadaian, Ferdian Timur Satyagraha, in a written statement on Tuesday (9/6/2026).
Beyond conventional financing aspects, the signing of this agreement is accompanied by a firm effort from both parties to integrate their services digitally. This step is taken to respond to the demands of the digital age and to ensure seamless transaction convenience for customers of both institutions in the modern era.
BSN President Director Alex Sofjan Noor stated that this financing cooperation is an effort by his institution to strengthen its role in the national Sharia financial industry. Alex also confirmed that this working capital financing is being disbursed using the musyarakah contract, which complies with Sharia principles.
“Bank BSN is not only supporting PT Pegadaian’s working capital needs to expand Sharia financing services, but also reaffirming our commitment to providing productive, sustainable financial solutions that provide added value to society,” said Alex.
Furthermore, as a concrete form of their collaborative commitment, Pegadaian and BSN are currently exploring a highly prospective potential cooperation: adding Pegadaian’s Gold Savings feature directly into BSN’s mobile banking application, known as Bale Syariah. Through this integration, BSN customers will in the future be able to invest, top up, and monitor their gold portfolios without having to switch applications.
In addition to enhancements within the BSN banking application, this digital initiative also touches upon Pegadaian’s digital ecosystem. Both parties are currently finalising the addition of BSN account options as one of the primary channels for loan disbursement and loan repayments within Pegadaian’s Tring! application. The presence of this option is certain to reduce transaction bureaucracy and provide much higher flexibility for the application’s loyal users.
Recognising the significant positive impact generated by this collaboration, Pegadaian and BSN have ensured that this is not the end of their joint innovation. Moving forward, both institutions will continue to actively seek and explore various other potential strategic cooperations to strengthen long-term synergy, drive national financial inclusion, and provide a much larger contribution to the Sharia economy in Indonesia.