PAWNBROKER

Apawnbrokeris an individual or business

(pawnshoporpawn shop) that offerssecured loansto
people, with items ofpersonal propertyused
ascollateral. The wordpawnis derived from theLatin
pignus,forpledge,andtheitemshavingbeenpawnedto
the broker are themselves calledpledgesorpawns, or
simplythecollateral.
Ifanitemispawnedforaloan(colloquially,"hocked"),
within a certain contractual period of time the pawner
may redeem it for the amount of the loan plus some
agreed-upon amount for interest. The amount of time,
and rate of interest, is governed by law or by the
pawnbroker'spolicies.

If the loan is not paid (or extended, if

applicable) within the time period, the
pawned item will be offered for sale by the
pawnbroker. Unlike other lenders, the
pawnbroker does not report the defaulted
loanonthecustomer'screditreport,sincethe
pawnbroker has physical possession of the
itemandmayrecouptheloanvaluethrough
outright sale of the item. The pawnbroker
also sells items that have been sold outright
tothembycustomers.

PT Pegadaian (Persero)

a.

b.

Is an Indonesian government-owned
corporation which has a monopoly on fiduciary
service in Indonesia. Pegadaians goals are :
To conduct and support the implementation of
government policies and programs in the field of
economy and national development in general
through distribution of cash loans on the basis of
the law of pledge.
Prevent the practice of debt bondage , dark
pawnshops , lending usury and other unnatural
lending system .

Pegadaian Products
Until now there are many people who know Pegadaian from its
core business, fiduciary. And in addition, the product is actually
quite a lot. Here are some of the Pegadaian's services.
(Conventional)
KCA
KCA is based on the law of mortgage credit services with a loan
ranging from 20.000 Indonesian rupiah to 200.000.000
IDR. Security its-kind move, both jewelery gold and
diamond, electronics, vehicle or other household appliance. The
maximum loan term of 4 months or 120 days and returns made
to pay the loan and capital leases.
Kreasi
This product is aimed at micro and small business loans as an
alternative to collateral reg (fiduciary) and loan repayment
through installments.

Krasida
Krasida is lending to the micro-small entrepreneur on
the basis of the return of mortgage loans through
installments.
Krista
Krista is the provision of loans to micro households in
need of funds in the form of working capital loans
through the loan repayment installments.
Kremada
Kremada is provision of loans to the low-income
groups to build or repair housing with return in
installments. Cooperate with the Ministry of Housing.
Kucica
Kucica is money remittance service, and cooperate
with Western Union.

(Sharia)

Rahn
Rahn is a product fiduciary services are based on the
principles of Sharia with reference to the modern
administrative system.
Arrum
Arrum is a product of the construction guarantee microfiduciary for small businesses with Islamic principles.
Mulia
Mulia is gold selling by Pegadaian to the public who are
interested to invest in gold for cash and installment.
Gold has been purchased from Mulia can be sold back
at the Noble Exchange at a later date if the needed
money in a short time.

Slogan
Company slogan of Pegadaian
is Mengatasi Masalah Tanpa
Masalah (English: Solve Problem
Without Problem).

Source of:
https://en.wikipedia.org/?title=Pawnbroker
https://en.wikipedia.org/?title=Pawnbroker
http://marchellapramadhana.blogspot.co
m/2012/05/pegadaian-lembaga-keuangan-b
ukan-bank.html

Thank You
Regards, Edwina KP2A/10