Pegadaian and Pupuk Kaltim Forge Strategic Partnership to Boost Financial Inclusion

PT Pegadaian (Persero) and PT Pupuk Kalimantan Timur have officially united in a strategic move through the signing of a Memorandum of Understanding on cross-industry business synergy at Pegadaian’s Head Office in Jakarta. Carrying the overarching theme ‘Synergy to Gild Indonesia’, the partnership designed to strengthen the economic foundations of both parties will run for a period of three years, until 24 June 2029. The partnership agreement was signed directly by PT Pegadaian’s Director of Marketing, Sales and Product Development, Selfie Dewiyanti, alongside PT Pupuk Kaltim’s Director of Finance & General Affairs, Qomaruzzaman. This collaborative step is based on a shared vision to realise a sustainable and future-oriented business ecosystem. Through the integration of each corporation’s strengths, this cooperation is specifically aimed at improving the welfare and financial literacy levels of Pupuk Kaltim employees, as well as building a healthy investment culture to support the national financial inclusion programme being promoted by the government. Selfie stated that this collaboration is an important part of Pegadaian’s ongoing commitment to expanding the use of safe investment instruments into the national manufacturing and petrochemical industry sectors. According to her, Pegadaian wants to be present to assist all elements of workers in Indonesia to have solid financial resilience through smart and liquid asset management. ‘We warmly welcome this strategic partnership with Pupuk Kaltim as a tangible manifestation of our grand mission to gild Indonesia. Through structured financial literacy programmes and the provision of various personal financial management facility options, we hope all Pupuk Kaltim employees can plan their financial futures more wisely. We have prepared various highly competitive schemes, ranging from Gold Savings investment products to a variety of productive financing facilities that can be easily accessed by employees,’ said Selfie in an official statement. This comprehensive collaboration will be realised through a series of planned financial education programmes and the provision of direct access to Pegadaian’s financial management platform for Pupuk Kaltim’s internal community. Pupuk Kaltim employees will benefit from the ease of owning investment assets, protection of financial value from inflation through gold, and financing facilities with special schemes designed to be friendly to worker welfare. This synergy also opens up opportunities for more flexible service integration between the two large entities. In line with this, Qomaruzzaman emphasised that improving employee financial literacy and welfare is a crucial pillar in maintaining the company’s long-term productivity and growth. The partnership with Pegadaian is seen as a smart solution to educate all levels of employees to avoid the trap of unhealthy illegal financial instruments in the digital era. Going forward, Pegadaian and Pupuk Kaltim are committed to continuously exploring various other potential areas of cooperation expansion. This proactive step is expected not only to provide economic benefits for both companies but also to serve as a tangible example of national corporate synergy in driving equitable and sustainable financial inclusion across Indonesia.