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Questions and Answers
Berapa biaya bunga per bulan untuk pinjaman dengan jaminan berlian di Pegadaian?
Apa layanan yang tidak disediakan oleh Pegadaian?
Apa saja aset yang diterima sebagai jaminan oleh Pegadaian?
Apa tujuan utama investasi Pegadaian dalam layanan dan inovasi digital?
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Kapan Pegadaian didirikan?
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Apa yang diharapkan inovasi dan layanan digital Pegadaian dapat capai?
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Aplikasi apa yang dapat digunakan pelanggan untuk melacak status pinjaman mereka di Pegadaian?
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Apa yang membedakan Pendaftaran Pinjaman Online dengan aplikasi lainnya?
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Dengan siapa Pegadaian bermitra untuk menyediakan layanan pembayaran online?
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Apa tujuan layanan e-trading yang diluncurkan oleh Pegadaian?
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Study Notes
Pegadaian: Understanding the Basics
Pegadaian is a state-owned financial institution in Indonesia that provides various financial services, including pawnshop services, microfinance, and payment solutions. Established in 1965, the company has grown to become a significant player in Indonesia's financial sector.
Types of Collateral Accepted
Pegadaian accepts a variety of assets as collateral for its financial services, such as:
- Gold: Customers can bring their gold jewelry, gold coins, or gold bars to Pegadaian for pawn loans.
- Diamond Jewelry: Diamond rings, necklaces, and other diamond accessories can be used as collateral for pawn loans.
- Silver: Silver jewelry, coins, and bullion are also accepted as collateral.
- Platinum: Customers can use platinum jewelry, coins, and bullion as collateral for pawn loans.
Interest Rates and Fees
Interest rates and fees at Pegadaian are competitive in the market. For example, the interest rate for gold pawn loans is 1.5% per month, while the interest rate for diamond pawn loans is 2% per month. In addition, Pegadaian charges a one-time fee of 1% on the face value of the collateral for diamond jewelry pawn loans.
Digital Services and Innovations
Pegadaian has been investing in digital services and innovations to better serve its customers. Some of the digital services and innovations offered by Pegadaian include:
- Pegadaian Mobile App: Customers can use the Pegadaian mobile app to apply for pawn loans, track the status of their loans, and manage their accounts.
- Online Pawn Loan Application: Pegadaian now offers online pawn loan applications, allowing customers to apply for loans without visiting a physical branch.
- Online Payment Services: Pegadaian has partnered with various online payment platforms, such as GoPay and Ovo, to provide customers with more convenient payment options.
- E-Trading Service: Pegadaian has launched an e-trading service that allows customers to trade their gold and silver jewelry online.
These digital services and innovations aim to make Pegadaian's financial services more accessible and convenient for customers, while also improving the company's operational efficiency.
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Description
Explore the basics of Pegadaian, a prominent state-owned financial institution in Indonesia, offering pawnshop services, microfinance, and digital innovations. Learn about the accepted types of collateral, competitive interest rates, and the digital services provided through the Pegadaian mobile app and online platforms.
