PT. Pegadaian is a state-owned financial services company in Indonesia, specializing in pawn-based loans and other financial services. It offers secured and unsecured loans, microfinance, small business loans, gold bullion financing, and Sharia-compliant loans[1][3]. The company targets mid-to-low-income individuals and small businesses, aiming to increase financial inclusion[5]. Its unique selling proposition is providing accessible financial services through a wide network of branches across Indonesia, combined with a focus on digital transformation to enhance customer experience[5]. As a subsidiary of Bank Rakyat Indonesia, Pegadaian supports government programs to improve societal welfare[3].