Pegadaian Launches Interest-Free Pawn Program to Boost Financial Inclusion
Jakarta (ANTARA) - To expand access to financial inclusion and provide affordable financing solutions for the public, Pegadaian is introducing ‘Gadai Bebas Sewa Modal’ (Interest-Free Pawn), a fast, secure, and interest-free credit programme, which will be effective from 28 September 2026 across all Pegadaian outlets.
Through the Gadai Bebas Sewa Modal programme, the public can utilise pawn transactions for emergency funds or working capital without being burdened by interest (0% capital rent). This initiative is specifically designed to provide ease for various segments of society, including housewives, students, daily labourers, and Micro, Small, and Medium Enterprises (MSMEs).
Selfie Dewiyanti, Director of Marketing and Product Development at PT Pegadaian, stated that the launch of Gadai Bebas Sewa Modal is a concrete step by the company to support those in need of fast and reliable financial solutions.
“We are introducing the Gadai Bebas Sewa Modal programme as a manifestation of Pegadaian’s commitment to providing a light and burden-free first experience for those who have never utilised pawn services. We understand that the need for urgent funds or additional micro-working capital often arises suddenly. With 0% interest and very affordable administration fees, we hope this programme can drive increased financial inclusion and serve as a safe financial solution for all levels of society,” said Selfie.
Under this programme, Pegadaian provides loan ceilings ranging from Rp50,000 to Rp1,000,000 (Loan Groups A and B1) with a credit tenor of 30 days. Prospective customers can pledge various types of movable assets, including gold, gadgets, household appliances, or business equipment.
In addition to the exemption from capital rent, the administration fees charged are highly affordable: Rp2,000 for loans between Rp50,000 and Rp200,000; Rp5,000 for loans between Rp200,001 and Rp500,000; and Rp10,000 for loans between Rp500,001 and Rp1,000,000.
The Gadai Bebas Sewa Modal scheme is applicable specifically to new customers (New CIF) who have not previously been registered or performed transactions for financing products at Pegadaian. Each customer is entitled to one active account per credit period.
Members of the public wishing to utilise this interest-free loan facility can directly visit the nearest Pegadaian outlet by bringing their original National Identity Card (KTP) and the collateral.
Through its various products and services, Pegadaian continues its efforts to ‘Serve with All Our Heart’ and support the people’s economy under the spirit of ‘emASkan Indonesia’ (Empowering Indonesia through Gold).