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Friday, Jun-5 2020 09:19 WIB
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Pegadaian Genjot Inovasi dan Sinergi di Era Digital
Published: 24 Sep 2019 09:04 WIB


IMQ, Jakarta —  PT Pegadaian (Persero) terus meningkatkan potensi perusahaan dengan mengembangkan inovasi, sinergitas antar perusahaan, serta menyelaraskan dengan perkembangan keuangan digital di tengah tren industri keuangan digital.

"Kami menargetkan Pegadaian sebagai perusahaan finansial terbaik di Indonesia dan sebagai agen inklusi keuangan pilihan utama masyarakat Indonesia. Untuk menjalankannya kami terus tingkatkan inovasi baru dan menjalin sinergi dengan perusahaan BUMN, swasta, dan Lembaga Pemerintahan," kata Direktur Utama Pegadaian Kuswiyoto, Selasa (24/9).

Ia menambahkan, ada dua inovasi yang sedang dijalankan oleh Pegadaian, yaitu produk dan channel layanan. Inovasi produk merupakan sistem layanan Pegadaian kepada nasabah, yaitu Gadai Tabungan Emas, Gadai on Demand, Gadai Efek (Saham & Obligasi), G-Cash, Gold Card, Digital Lending, Arrum Umroh, dan Rahn Tasjily Tanah.

Sedangkan, inovasi channel layanan memiliki manfaat dalam meningkatkan inklusi keuangan, membuka lapangan pekerjaan baru, meningkatkan produktivitas karyawan, efisiensi biaya sehingga tarif lebih kompetitif, meningkatkan sinergi (bersifat mutualisme), dan meningkatkan transaksi.

"Kedua inovasi ini terus dilakukan oleh perusahaan untuk menjawab tantangan-tantangan yang diberikan oleh pesaing di luar sana, sehingga menjadikan Pegadaian sebagai perusahaan yang menarik untuk nasabah maupun partner bisnis perusahaan," jelasnya..

Ia menyebut, bila manfaat kedua inovasi tersebut sudah terlihat dari outlet Pegadaian yang saat ini telah mencapai lebih dari 4.100 outlet, jumlah agen pegadaian yang lebih dari 9.600 jiwa, menjalin kolaborasi dengan 19 perusahaan BUMN/Swasta, lebih dari 1.800 sales force, lebih dari 13.400 karyawan (program EGC), dan lebih dari 1 juta pengguna Pegadaian Digital.

Dampak positif dari kedua inovasi ini, khususnya pada kinerja produk Pegadaian juga dapat terlihat dari realisasi per Juli 2019 yang sudah mendekati target yang sudah ditentukan, untuk KCA realisasi telah mencapai Rp28,651 triliun dari target Rp29,242 triliun, Krasida realisasi Rp1,138 triliun dari Rp1,069 triliun.

Kemudian, Rahn realisasi Rp4,588 miliar dari target Rp4,503 triliun, Arrum realisasi Rp1,418 triliun dari target Rp1,067 triliun, Kreasi realisasi Rp4,910 triliun dari target Rp4,309 triliun, Amanah realisasi Rp2,217 triliun dari target Rp1,943 triliun, Kresna realisasi Rp744 miliar dari target Rp765 miliar, dan Mulia realisasi Rp347 miliar dari target Rp509 miliar.

"Tahun 2018 kemarin, kita dapat menyumbangkan pajak sebesar Rp1,441 triliun dan dividen sebesar Rp1,387 triliun dengan total sebesar Rp2,828 triliun. Jumlah tersebut akhirnya membawa kita (Pegadaian) menjadi perusahaan BUMN terbesar nomor 7 penyumbang dividen dibandingkan dengan perusahaan sebesar PGN, Semen Indonesia, dan Waskita,” pungkasnya.
Author: Susan Silaban
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