Post-Eid Transactions Surge, Ambalawi Residents Rely on Gold for Liquidity
The post-Eid period has become a crucial time for the public to manage their finances after the increased needs during Ramadan and Eid. PT Pegadaian Bima Branch has noted a significant surge in pawn transactions across various areas of Bima City and Bima Regency, particularly in the PT Pegadaian UPC Ambalawi region.
This situation indicates that the public is increasingly savvy in utilising their assets, especially gold, as a source of short-term liquidity without having to sell it. This trend signals rising financial literacy and a change in behaviour regarding financial management after Eid.
Based on internal Pegadaian data up to the end of April 2026, there has been a quite significant increase in pawn transactions compared to the pre-Eid period. The majority of transactions are dominated by pawning gold jewellery, which the public uses to meet post-holiday needs such as education costs, business capital, and household expenses.
This increase reflects that gold is not only seen as an investment instrument but also as a liquid asset that can be utilised flexibly when needed.
“Post-Eid, the public’s liquidity needs tend to increase. However, interestingly, the public now prefers to pawn gold rather than sell it, especially at Pegadaian UPC Ambalawi. This shows awareness that gold is still retained as a long-term asset,” said Deputy Business Area for Pegadaian Bima and Pegadaian Sumbawa, Mustofa.
Mustofa stated that Pegadaian UPC Ambalawi has experienced quite significant growth of 21.65% annually. Meanwhile, across the Area, Pegadaian Bima and Sumbawa Island itself has grown by 23.68%.
He explained that Pegadaian offers solutions through various quick, safe, and transparent pawn products. The easy process and quick fund disbursement are the main reasons the public chooses Pegadaian’s pawn services as a financial solution.
In addition, the Gadai Bebas Bunga programme, extended until the end of April 2026, has become a particular attraction. Through this programme, customers can obtain loans with 0% capital rental fees, making the financial burden lighter amid the post-Eid financial recovery phase.
“We present this programme to help the public maintain financial stability without having to lose their valuable assets. Gold remains safe, needs are still met,” added Mustofa.
The trend of increasing pawn transactions is also clearly evident. Regional Head of Kanwil VII Denpasar Edy Purwanto stated that pawn activities in the NTB region, especially Bima City and Regency, have experienced quite significant growth after Eid.
“We see a fairly high increase in pawn transactions post-Eid, especially at Pegadaian Bima Branch and service units like Pegadaian UPC Ambalawi. This shows that the public is increasingly understanding the function of pawning as a wise and planned financial solution,” said Edy.
With this positive trend, PT Pegadaian is optimistic that the utilisation of pawning as a financial instrument will develop further, not only as an emergency solution but also as part of a healthy and sustainable financial management strategy.