PEGADAIAN - Video Pembelajaran

Summary

This video script introduces Pegadaian, a unique Indonesian financial institution offering legal pawning services with various benefits. Pegadaian allows customers to pawn their goods, with fast and easy access to loans, without the need for cash upfront. The process is secure and quick, with the option to extend loan terms. Flexible repayment options are provided, with the possibility of reducing principal amounts. If payment isn't made, the pawned goods are sold, and any surplus is returned to the borrower. Additionally, Pegadaian offers various financial products such as gold investment, multi-purpose loans, and various services like payment options and asset appraisal.

Takeaways

• 😀 Pegadaian is a licensed company in Indonesia offering financial services, including pawn services.
• 😀 Gadai (pawn) allows people to get loans using movable property as collateral, different from regular bank loans.
• 😀 The process of pawning at Pegadaian is quick and easy, taking only 15 minutes for loan disbursement with valid identification.
• 😀 The pawned item is physically held as collateral, ensuring security for the loan.
• 😀 The loan term for pawn services is 4 months, with an option to extend it for another 4 months.
• 😀 Interest is applied to the loan amount, and if the borrower cannot repay the loan, the item will be sold, with any excess proceeds returned to the borrower.
• 😀 Gadai at Pegadaian is flexible, allowing borrowers to reduce the principal amount of the loan at any time, which lowers the interest.
• 😀 Pegadaian offers several services, including conventional and Shariah pawning, multi-purpose loans, and gold-related services.
• 😀 In addition to pawning services, Pegadaian also provides other financial services like online bill payments, mobile services, and gold savings.
• 😀 Pegadaian also provides services like property appraisal, building rental, and jewelry storage, offering a variety of financial solutions.

Q & A

What is Pegadaian and what services does it provide?

Pegadaian is an Indonesian company that offers pawn services. It is the only officially licensed institution in Indonesia to conduct pawn services. The company provides various services such as conventional and Sharia-based pawning, multi-purpose loans, gold financing, gold savings, and consignment services.

How does the pawn process at Pegadaian work?

In the pawn process at Pegadaian, a person pledges movable property as collateral for a loan. Unlike a bank loan, where cash is typically borrowed, the pawn involves physical goods that are stored as security. The process is quick, requiring only an ID card, and loans can be disbursed within 15 minutes.

What makes Pegadaian's pawn system different from a traditional bank loan?

The key difference is that Pegadaian’s pawn system uses physical items as collateral instead of cash. When you pawn something, you don't have to worry about paying back immediately. The item is held securely, and you only need to repay the principal and interest by the due date.

What are the loan terms and repayment conditions at Pegadaian?

The loan term at Pegadaian lasts for 4 months, and it can be extended for another 4 months. You don't have to pay anything upfront, but you need to settle the principal and interest by the due date. If you cannot pay the full amount, you can extend the loan by paying only the interest.

What happens if the borrower fails to repay the loan at Pegadaian?

If a borrower fails to repay the loan, the pledged item will be sold. However, if the sale price exceeds the loan amount, the surplus will be returned to the borrower.

How flexible is the repayment structure at Pegadaian?

Pegadaian offers flexibility in repayment. Borrowers can reduce the principal loan amount at any time, and the interest will be recalculated based on the reduced loan amount. This makes the repayment more manageable and less expensive.

Can the pawn loan at Pegadaian be extended?

Yes, the pawn loan at Pegadaian can be extended for an additional 4 months after the initial 4-month term. Borrowers can also choose to pay only the interest and extend the loan further if necessary.

What are the different types of services offered by Pegadaian?

Pegadaian offers various services, including conventional and Sharia pawning, multi-purpose loans, gold financing, gold savings accounts, and consignment services. Additionally, they offer various other services such as online payment, mobile services, building rentals, and appraisal services for certificates and gemstones.

How fast is the loan disbursement process at Pegadaian?

The loan disbursement process at Pegadaian is very fast. After submitting the required documents, such as an ID card, a loan can be processed and disbursed within 15 minutes.

What types of collateral can be used for pawning at Pegadaian?

At Pegadaian, the collateral can include various types of movable goods. These can be items such as gold, jewelry, electronics, and other personal possessions that have a measurable value.