Pegadaian and Pupuk Kaltim Partner to Boost Employee Investment Culture

PT Pegadaian (Persero) and PT Pupuk Kalimantan Timur have officially joined forces through the signing of a Memorandum of Understanding on cross-industry business synergy. The collaboration is specifically aimed at improving the welfare and financial literacy levels of Pupuk Kaltim employees. It also seeks to foster a healthy investment culture in support of the national financial inclusion programme being promoted by the government. Carrying the overarching theme ‘Synergy to Emas-kan Indonesia’, the partnership is designed to strengthen the economic foundations of both parties and will run for a period of three years until 24 June 2029. The agreement was signed by Pegadaian’s Director of Marketing, Sales and Product Development, Selfie Dewiyanti, and Pupuk Kaltim’s Director of Finance and General Affairs, Qomaruzzaman. Selfie Dewiyanti stated that the collaboration is an important part of Pegadaian’s ongoing commitment to expanding the use of safe investment instruments into the national manufacturing and petrochemical sectors. She noted that Pegadaian aims to assist all workers in Indonesia in building solid financial resilience through smart and liquid asset management. ‘We warmly welcome this strategic partnership with Pupuk Kaltim as a tangible manifestation of our larger mission to emas-kan Indonesia. Through structured financial literacy programmes and the provision of various personal financial management facilities, we hope all Pupuk Kaltim employees can plan their financial futures more wisely,’ she said. She added that the company has prepared highly competitive schemes, ranging from gold savings investment products to various productive financing facilities that can be easily accessed by employees. The comprehensive collaboration will be realised through a series of planned financial education programmes and direct access to Pegadaian’s financial management platform for Pupuk Kaltim’s internal community. Employees will benefit from easier asset ownership, protection of their financial value against inflation through gold, and specially designed financing facilities that are worker-welfare friendly. The synergy also opens opportunities for more flexible service integration between the two major entities. In line with this, Qomaruzzaman emphasised that improving financial literacy and employee welfare is a crucial pillar in maintaining productivity and the company’s long-term growth. The partnership with Pegadaian is seen as a smart solution to educate all employees to avoid the pitfalls of unhealthy and illegal financial instruments in the digital era. Going forward, Pegadaian and Pupuk Kaltim are committed to continuously exploring other potential areas for expanding cooperation. This proactive step is expected not only to deliver economic benefits to both companies but also to serve as a tangible example of national corporate synergy in driving equitable and sustainable financial inclusion across Indonesia.