Kinerja Pegadaian Medan Sepanjang 2022 | OSL hingga Nasabah Terus Bertumbuh | OBROLANBISNIS.com — PT Pegadaian Kantor Wilayah (Kanwil) I Medan meliputi dua provinsi di Pulau Sumatera, yakni Sumatera Utara dan Aceh memiliki 50 kantor cabang dan 282 outlet (unit), siap melayani kebutuhan permodalan usaha bagi UMKM, pelaku usaha hingga masyarakat.
Sejak holding dengan Bank Rakyat Indonesia (BRI), mendukung perluasan layanan PT Pegadaian hingga pelosok tanah air melalui Co-Location. “Untuk di Kanwil I Medan, sinergi Co-Location antara BRI, Pegadaian dan PNM, telah dibuka sebanyak 50 unit Co-Location yang tersebar di wilayah Rantauprapat, Pulau Nias dan Kota Medan,” ungkap Pemimpin Wilayah PT Pegadaian Kanwil 1 Medan, Arief Rinardi Sunardi usai dalam rangka media gathering, Selasa, 6 Desember 2022, di Medan.
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Menurutnya, perluasan Co-Location telah mendorong pertumbuhan Out Standing Loan (OSL) atau saldo uang pinjaman yang disalurkan Pegadaian. “Dalam tiga tahun terakhir ini, kinerja OSL pada seluruh produk yang dimiliki Pegadaian untuk Kanwil I Medan tercatat bertumbuh. Pada Desember 2021, OSL dibukukan senilai Rp 3,6 triliun lebih, dan realiasasi OSL hingga Oktober 2022 tercatat Rp 4 triliun lebih,” beber Arief.
Didampingi Kepala Audit Intern, Yonri Glen Maboy; Deputi Operasional, I Ketut Suarnawa; Deputi Bisnis Area Banda Aceh, Anwar Hidayat; Deputy Bisnis Area Medan 1, I Anhar Nasution; Deputi Bisnis Area Medan 2, Dwi Hadi Atmaka; Deputy Bisnis Area Rantauprapat, Dede Kurniawan, Kepala Departemen Bisnis Support Rinaldi Lubis, Kepala Bagian Humas dan Protokoler Gopher Manurung; Pemimpin Wilayah PT Pegadaian Kanwil I Medan optimis realiasasi OSL hingga akhir tahun 2022 akan terus bertumbuh.
Bicara soal omset yang dicapai PT Pegadaian Kanwil I Medan, Arief Rinardi Sunardi mengungkapkan, hingga November 2022, omset yang telah dicapai mencapai lebih kurang 11,4 triliun rupiah. “Kontribusi produk-produk Pegadaian cukup tinggi yang mendorong pertumbuhan omset Pegadaian Medan di kisaran 400 miliar rupiah dengan jumlah nasabah sebanyak 455 ribu sepanjang tahun 2022,” ucap Arief Rinardi Sunardi.
Arief Rinardi Sunardi menilai, di tengah persaingan industri keuangan dan non keuangan di era digitalisasi, Pegadaian masih menyakini akan mampu meraup nasabah sebanyak mungkin. “Peluang untuk meraih nasabah masih terbuka lebar bagi Pegadaian, mengingat masih tingginya loyalitas dan kesetiaan masyarakat memanfaatkan layanan Pegadaian yang hadir sejak tahun 1901 di Indonesia,” ujar Arief Rinardi Sunardi.
Kendati demikian, Arief Rinardi Sunardi juga mengakui, masih ada juga nasabah yang belum mengenal produk-produk Pegadaian khususnya bagi generasi milenial, sehingga menjadi tantangan bagi Pegadaian untuk terus berinovasi dan bertranformasi merambah era digitalisasi. “Dan, transaksi Pegadaian sudah dapat dilakukan secara online (digital) melalui aplikasi Pegadaian Digital Service atau PDS melalui Android dan IOS,” sebutnya.
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Arief Rinardi Sunardi menerangkan, pola pikir masyarakat mengenal Pegadaian masih pada konteks butuh uang, bawa barang dan gadai. “Pola pikir itu yang masih tertanam pada masyarakat bicara soal Pegadaian. Padahal, Pegadaian memiliki 21 produk mulai dari produk gadai dan produk non gadai,” cetus Arief Rinardi Sunardi.
Produk Gadai yang dimiliki Pegadaian adalah KCA (Kredit Cepat Aman); Cicilan Emas; Arrum Haji; dan lainnya. Produk Non Gadai meliputi produk fidusia, seperti cicilan kendaraan bermotor (Amanah); gadai BPKB; gadai sertifikat tanah; dan lainnya. “Tak hanya itu saja, Pegadaian juga memiliki produk investasi, seperti cicilan emas yang dapat menjadi pilihan masyarakat untuk berinvestasi masa depan; ada juga Tabungan Emas juga sangat diminati kaum milenial karena sudah berbasis digital karena dapat menabung emas mulai dari 10 ribu rupiah,” jelasnya.
Arief Rinardi Sunardi menambahkan, produk terbaru yang dimiliki PT Pegadaian pada tahun ini (2022) adalah KUR Syariah. “Pegadaian KUR Syariah merupakan fasilitas pendanaan murah berbasis syariah yang diberikan oleh PT Pegadaian kepada nasabah yang memiliki usaha produktif untuk digunakan sebagai dana pengembangan usahanya, tanpa anggunan. Ingat, KUR Syariah ini tanpa agunan,” ulasnya. ***
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Performance of Pegadaian Medan throughout 2022 | OSL so that Customers Continue to Grow | OBROLANBISNIS.com — PT Pegadaian Regional Office (Kanwil) I Medan covers two provinces on the island of Sumatra, namely North Sumatra and Aceh. It has 50 branch offices and 282 outlets (units), ready to serve the needs of business capital for MSMEs, business actors and the community.
Since holding with Bank Rakyat Indonesia (BRI), it has supported the expansion of PT Pegadaian’s services to remote parts of the country through Co-Location. “For the Medan Regional Office I, the Co-Location synergy between BRI, Pegadaian and PNM, has opened 50 Co-Location units spread across the Rantauprapat area, Nias Island and Medan City,” said Regional Head of PT Pegadaian Regional Office 1 Medan, Arief Rinardi Sunardi after attending a media gathering, Tuesday, December 6, 2022, in Medan.
According to him, the expansion of Co-Location has boosted the growth of Out Standing Loans (OSL) or loan balances distributed by Pegadaian. “In the last three years, OSL’s performance on all products owned by Pegadaian for Medan Regional Office I has recorded growth. In December 2021, OSL was recorded at more than Rp. 3.6 trillion, and OSL realization until October 2022 was recorded at more than Rp. 4 trillion,” he explained Arief.
Accompanied by the Head of Internal Audit, Yonri Glen Maboy; Deputy for Operations, I Ketut Suarnawa; Deputy for Banda Aceh Area Business, Anwar Hidayat; Deputy Business Area Medan 1, I Anhar Nasution; Deputy for Medan 2 Area Business, Dwi Hadi Atmaka; Deputy Business for the Rantauprapat Area, Dede Kurniawan, Head of the Business Support Department Rinaldi Lubis, Head of Public Relations and Protocol Gopher Manurung; Regional Head of PT Pegadaian Kanwil I Medan is optimistic that OSL realization until the end of 2022 will continue to grow.
Talking about the turnover achieved by PT Pegadaian Kanwil I Medan, Arief Rinardi Sunardi revealed that as of November 2022, the turnover that has been achieved has reached approximately 11.4 trillion rupiah. “The contribution of Pegadaian products is quite high which has driven the growth of Pegadaian Medan’s turnover in the range of 400 billion rupiah with a total of 455 thousand customers throughout 2022,” said Arief Rinardi Sunardi.
Arief Rinardi Sunardi assessed that, in the midst of competition in the financial and non-financial industries in the digitalization era, Pegadaian still believes that it will be able to get as many customers as possible. “Opportunities to reach customers are still wide open for Pegadaian, given the high level of loyalty and loyalty of the public utilizing Pawnshop services that have been present since 1901 in Indonesia,” said Arief Rinardi Sunardi.
Nevertheless, Arief Rinardi Sunardi also admitted that there are still customers who are not familiar with Pegadaian products, especially for the millennial generation, so that it is a challenge for Pegadaian to continue to innovate and transform into the digitalization era. “And, Pawnshop transactions can already be done online (digitally) through the Pegadaian Digital Service or PDS application via Android and IOS,” he said.
Arief Rinardi Sunardi explained, the mindset of the people regarding Pawnshops is still in the context of needing money, bringing goods and mortgages. “That mindset is still ingrained in society when talking about Pawnshops. In fact, Pegadaian has 21 products ranging from pawn products and non-pawn products,” said Arief Rinardi Sunardi.
Pawn Products owned by Pegadaian are KCA (Quick Secure Credit); Gold Installments; Arrum Hajj; and others. Non Pawn Products include fiduciary products, such as motor vehicle installments (Trust); pawn BPKB; pledge of land certificates; and others. “Not only that, Pegadaian also has investment products, such as gold installments which can be the people’s choice for future investment; there is also Gold Savings which is also in great demand by millennials because it is already digital based because they can save gold starting from 10 thousand rupiahs,” he explained .
Arief Rinardi Sunardi added, the newest product owned by PT Pegadaian this year (2022) is KUR Syariah. “Pegadaian KUR Syariah is a cheap sharia-based funding facility provided by PT Pegadaian to customers who have productive businesses to use as funds for developing their business, without collateral. Remember, KUR Syariah is without collateral,” he commented. ***
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