Agen Pegadaian
Agen Pegadaian Summary
Agen Pegadaian is a Android app in the Finance category, developed by PT Pegadaian (Persero). the app has accumulated 450.2K+ total installs
Recent activity: 2K installs this week (11.9K over 4 weeks) showing steady growth View trends →
Data tracking: SDKs and third-party integrations were last analyzed on Sep 30, 2025. The app's network data flows (API traffic to/from the app and its SDKs) were last crawled on Sep 30, 2025.
Store info: Currentversion 112.
Agen Pegadaian was last scanned for SDKs 2025-09-30. Below is the overview of third party companies detected in the app. The full list of raw SDKs, app permissions and unknown SDKs is available here.
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App Description
Mobile apps for Agen Pegadaian
Join the network of official Pegadaian Agents and bring essential financial solutions to your community. The Agen Pegadaian application allows you to expand your business by offering trusted Pegadaian products, from pawn loans to gold investments, directly from your smartphone.
Who Can Become an Agent? We offer two tiers of partnership to suit your capacity:
Regular Agent: Serve as a reference point for potential customers, handle bill payments, and open Gold Savings accounts.
Premium Agent: Enjoy all Regular features plus the authority to process pawn loan disbursements (KCA) instantly.
Key Features & Services
Pawn Transactions (Gadai KCA): Fast and secure loan processing.
Gold Savings (Tabungan Emas): Open accounts and top-up gold starting from IDR 10,000.
Gold Installments (Cicil Emas): Facilitate gold ownership with flexible tenors.
Payment Point: Pay electricity, water, BPJS, and other bills.
Requirements to Join
Have a permanent residence or business location (Outlet).
Android Smartphone with Internet access.
Located near a Pegadaian Parent Outlet (easy transport access).
Valid ID (KTP) and willingness to undergo training.
Product Transparency & Financial Disclosure
1. Pawn Loan (Gadai KCA) Providing quick loans with movable collateral.
Loan Amount: IDR 50,000 – IDR 500,000,000
Tenor: Minimum 30 Days – Maximum 45 Days (Renewable)
Maximum APR: 28.8% per annum
Capital Lease Fee (Sewa Modal): 0.95% - 1.2% per 15 Days
Pawn Loan Simulation:
Loan Principal: IDR 5,000,000
Interest Rate: 1.2% per 15 days
Duration Example: 120 Days (calculated as cumulative periods)
Total Fee Calculation: (120 days / 15 days) x 1.2% = 9.6%
Total Fee Amount: IDR 5,000,000 x 9.6% = IDR 480,000
Total Repayment: IDR 5,000,000 + IDR 480,000 = IDR 5,480,000
2. Gold Installment (Cicil Emas) Own gold bullion (0.5g - 1000g) with easy installments.
Down Payment: Min. 15%
Tenor: 3 – 36 Months
Fee (Margin): Flat 0.92% per month (Max 11.04% per annum)
Gold Installment Simulation:
Item: 10 Grams Gold
Loan Value: IDR 9,000,000
Tenor: 12 Months
Monthly Fee: 0.92% x IDR 9,000,000 = IDR 82,000
Monthly Principal: IDR 9,000,000 / 12 = IDR 750,000
Total Monthly Payment: IDR 750,000 + IDR 82,000 = IDR 832,000
3. Gold Savings (Tabungan Emas)
Opening Fee: IDR 10,000
Min. Buy/Top-up: IDR 10,000
Annual Storage Fee: IDR 30,000