Awards and Recognition:

Company details


Kantor Pusat PT Pegadaian (Persero),
Jalan Kramat Raya No. 162 Jakarta Pusat
10430 Indonesia

Kantor Pusat PT Pegadaian (Persero), Jalan Kramat Raya No. 162 Jakarta Pusat 10430 Indonesia


Financial Services


Be the most valuable financial
company in Indonesia and
Indonesia's first choice of
financial inclusion agents.

Be the most valuable financial company in Indonesia and Indonesia's first choice of financial inclusion agents.

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PT Pegadaian (Persero) as one of the oldest financial institutions in Indonesia . As a state-owned enterprise, Pegadaian has a long history which began in the 18th century when Vereenigde Oost Indische Companies (VOC), established Bank Van Leening, a credit institution extending on pawning system. Then the Dutch government issued Staadsblad no 131 dated 12th March 1901 that principally govern that establishment of pawnshop was monopolized and only government runs such business. In accordance with this law, the first state pawn shop was established in Sukabumi (West Java) on 1st April 1901.Thus, each 1st April is the anniversary of Pegadaian.

Now, Pegadaian has transformed as a business entity which not only gives loans based on pawn but also other profitable business Until the end of 2020 there are more than 4000 Pegadaian branches spread across the Indonesian archipelago. The logo of Pegadaian the scales of justice. Pegadaian's motto is 'overcoming problems without any problems'. As a state-owned enterprise besides acting as business entity, Pegadaian also has an obligation to support government program in the effort to increase mid to low class society welfare through main activity of pawning credit distribution. Both activities make Pegadaian a unique business entity.


The journey of Pegadaian's transformation, which has been happening for about 2 years, have contributed a lot to Pegadaian in terms of business cooperation with fintech companies, changes in mindset, changes in working methods and improvements in organizational governance that are not only in accordance with applicable standards but also lead in the creation of an agile organization.

PT Pegadaian became the first financial services company to successfully obtain the INDI 4.0 certificate from the Ministry of Industry. INDI is a tool to measure industry readiness in transforming towards industry 4.0, one of which is an adaptive attitude towards digital developments.

"Despite being 120 years old, I want Pegadaian to be a company that continues to be adaptive, agile by innovating and transforming following digital technology developments to remain relevant," said Pegadaian's President Director, Kuswiyoto in an official company statement, April 27, 2021.

Meanwhile, the Minister of Industry, Agus Gumiwang said, Pegadaian had become the first non-manufacturing financial services company to conduct an INDI 4.0 assessment. The company managed to get a score of 3.41.

The score indicates that Pegadaian is already at a mature level in implementing Industry 4.0. In addition, the company has also implemented several industrial 4.0 technologies in carrying out its financial services activities.

Learning and Development

Pegadaian provides training facilities for employees since onboarding from new hire induction and continues periodically through scheduled e-learning dan training, also certification training for all employees according to their fields of expertise. Pegadaian also has a Professional Certification Institute for Pawn Appraiser.

Pegadaian has also used technology as enablers in the training process by using GLeads learning platform, The Gade Library, Studi Ilmu, Learning Wallet, and The Gade X.

Pegadaian also provides scholarships for employees to study MBA in USA.

Reward And Recognition

Pegadaian has implemented a performance management system that allows the company to map the best talents and provide rewards and awards for the best talents through various events such as: Pegadaian Innovation Award (PIA), Pegadaian Excellence Award (PEA), Best Employee in the Division, Religious Reward (Religious trip for reward).

Employer Branding

PT Pegadaian (Persero) has started to carry out Employer Branding since 2019 targeting professional, young people, millennials because the transformation of Pegadaian into a digital financial company has been a point of interest for job seekers. In various Employer Branding activities, PT Pegadaian (Persero) cooperates with both internal and external parties. Collaboration with campuses/universities, CSR, related institutions and uses the company's official social media as well as organizes many events for millennials and young people such as The Gade Creative Lounge, Webinar Series, Virtual Job Fair and others.

Pegadaian in collaboration with the Indonesian Human Capital Forum (FHCI) has routinely received Certified Student Internships and in 2021 it has accepted 500 students and is placed in Pegadaian offices throughout Indonesia. The purpose of the internship program is to provide work-learning opportunities and development programs for college students.