PNM Strengthens Anti-Gratification Culture Down to Account Officer Level

PT Permodalan Nasional Madani (PNM) is strengthening its anti-gratification culture down to the Account Officer (AO) level as part of efforts to reinforce the implementation of Good Corporate Governance (GCG). The move aims to ensure service integrity for millions of customers is maintained, from management level to officers who deal directly with the public. PNM President Director Kindaris stated that good governance must not only be realised through company policy but must also become a work culture consistently practised by all PNM personnel. He said every business process must run transparently, accountably, and responsibly so that public trust in the company is continuously maintained. ‘For PNM, good governance is not just about rules that must be fulfilled, but about maintaining trust. Every PNM individual, from headquarters to the field, has a role in ensuring business processes run correctly, transparently, and bring benefits to customers. Because good service must start from a responsible way of working,’ Kindaris said in a written statement on Tuesday (30/6/2026). As an implementation of this commitment, PNM applies a culture of compliance down to the operational level. One example is through a pledge recited by Account Officers at every group meeting of the Membina Ekonomi Keluarga Sejahtera (Mekaar) programme. In the pledge, the AOs declare their readiness to carry out their mandate honestly, disburse financing according to regulations, not misuse customer funds, and not accept any form of gratuity from the customers they assist. In addition to strengthening the integrity of field officers, PNM is also optimising its Whistleblowing System (WBS) as a reporting mechanism for suspected violations or fraud. The system serves as an instrument for the company to detect potential breaches early while providing protection for the identity of the reporter. Kindaris emphasised that the implementation of good governance must become part of the organisational culture, not merely an administrative obligation. Therefore, the principle of compliance is applied at all levels, from the board of directors and management to work units and officers providing services to customers across various regions. PNM currently serves around 23.3 million underprivileged women through the Mekaar programme. The service is supported by more than 43,000 Account Officers spread across 58 branch offices in 36 provinces. With such a broad service coverage, the application of a culture of integrity is considered a crucial foundation for maintaining service quality and public trust. This commitment also led PNM to achieve the Indonesia Most Trusted Companies title at the 2025 Corporate Governance Perception Index (CGPI) Award organised by SWA Media. The award recognises the company’s consistency in implementing GCG principles across all organisational lines. Kindaris affirmed that public trust is PNM’s main asset in carrying out its community empowerment mission. Therefore, the company will continue to strengthen its culture of compliance and integrity to ensure that every service provided truly benefits its customers. ‘For PNM, public trust is not the final goal, but a responsibility that must be continuously maintained and proven every day, both through policies at the board of directors level and through the commitment carried out by every Account Officer in the field,’ Kindaris said.