Pegadaian Strengthens Indonesia's Gold Bank Ecosystem
PT Pegadaian continues to strengthen its role as the leader of Indonesia’s Gold Bank ecosystem through various service innovations offered to customers.
Pegadaian recorded positive growth across its gold services based on data up to April 2026. This achievement also supports the government’s Asta Cita agenda in strengthening the national bullion ecosystem.
With more than 125 years of experience, Pegadaian has developed various gold-based investment and financing services that are now an important part of the national gold ecosystem.
The transformation carried out by PT Pegadaian provides easy and affordable access to gold investment for all segments of society.
Amid global economic uncertainty and growing interest in safe-haven assets, Pegadaian’s gold services continue to grow and further strengthen its position as the leader of the national gold ecosystem.
As a financial institution offering Gold Bank services with a vision of becoming The Leader in Gold Ecosystem, the company presents various products designed to meet customer needs, both individuals and business players, through:
- Gold Deposits
Gold Deposits allow customers to deposit physical gold or gold balances they own with tenor options of 6, 9, or 12 months. Unlike conventional deposits, the returns received by customers are provided in the form of gold grammage, so that the amount of gold ownership can continue to grow during the deposit period.
- Gold Working Capital Loans
This service is intended for gold industry players, such as craftsmen, jewellery traders, and credit business operators. Financing is provided in the form of gold and repaid in the form of gold, helping business players manage risks arising from gold price fluctuations.
- Corporate Gold Custody Services
Through this service, Pegadaian acts as a gold custodian providing gold storage facilities with high security standards. Companies or institutions holding large amounts of gold assets can utilise this service to maintain security and optimal asset management.
- Gold Trading
Pegadaian also facilitates physical gold buying and selling transactions through its extensive network. The gold traded has high purity of 24 carats, is officially certified, and is supported by a transparent management system.
President Director of PT Pegadaian, Damar Latri Setiawan, explained that as of April 2026, total gold ecosystem assets under management at Pegadaian had reached approximately 145 tonnes.
“Total gold ecosystem assets under management at Pegadaian have reached approximately 145 tonnes. This includes Pegadaian Gold Savings under management, which now exceeds 20 tonnes with a valuation of more than Rp 51 trillion,” said Damar, as quoted from Pegadaian’s official website on Sunday (9/8/2026).
“Alhamdulillah, the outstanding loan balance of the Gold Instalment product also experienced a significant increase with growth of up to 152.79 percent year-on-year, reaching Rp 13.85 trillion as of 30 April,” he added.
This achievement demonstrates the increasing public trust in Pegadaian’s gold services, while strengthening the company’s position as the leader of the national gold ecosystem.
The development of Pegadaian’s Gold Bank services is supported by more than 4,000 outlets spread across Indonesia, internationally standardised vault facilities, an extensive physical gold distribution network, and a physical and digital gold recording system with a 1:1 underlying asset guarantee.
Service strengthening is also carried out through digital transformation by presenting the Tring! by Pegadaian application, which can be downloaded via Google Play Store or App Store on smartphones. This application allows the public to access various Pegadaian services on one platform, from gold transactions to other financial services more practically and easily.
As a pioneer of Gold Bank services in Indonesia, Pegadaian continues to strengthen its role in building a modern and inclusive bullion ecosystem. This effort is in line with the company’s commitment to supporting the strategic downstreaming agenda and the government’s Asta Cita vision in increasing the added value of national resources and strengthening the competitiveness of Indonesia’s gold industry.
Supported by an extensive network, integrated services, and continuous innovation, Pegadaian is ready to become a partner for the public and business players in developing Indonesia’s gold potential. Through this step, Pegadaian is optimistic that it can make a greater contribution to economic growth while realising the shared vision of ‘gilding Indonesia’.