Utilising Gold as a Liquidity Source Without Losing Assets, Public Pawn Transactions Rise After Eid
The period following Eid al-Fitr 1447 Hijriah has become a crucial time for the public to manage their finances anew after heightened needs during Ramadan and Eid. The Bima branch of PT Pegadaian has recorded a significant surge in pawning transactions across various areas of Bima City and Bima Regency, particularly at PT Pegadaian UPC Ambalawi.
This situation indicates that the public is becoming more astute in utilising their owned assets, especially gold, as a short-term liquidity source without having to sell it. This trend signals an increase in financial literacy as well as 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 pawning 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 viewed as an investment instrument but also as a liquid asset that can be utilised flexibly when needed.
“Post-Eid, public 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.
“Pegadaian UPC Ambalawi has experienced quite significant growth of 21.65% year to date. Meanwhile, in terms of the Area, Pegadaian Bima and Sumbawa Island itself has grown by 23.68%,” added Mustofa.
Pegadaian offers solutions through various quick, safe, and transparent pawning products. The easy process and quick fund disbursement are the main reasons the public chooses Pegadaian’s pawning services as a financial solution.
In addition, the Interest-Free Pawning 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 remain fulfilled,” added Mustofa.