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Page 1
Growing Stronger
Achieve Higher
Tumbuh Lebih Kuat, Raih Lebih Tinggi
Laporan Tahunan 2023 Annual Report
Page 2
Ikhtisar Kinerja
Performance Highlights
PT Pegadaian senantiasa berkomitmen untuk
mewujudkan kinerja yang tangguh secara
berkelanjutan di tengah tantangan bayang-
bayang ketidakpastian iklim perekonomian.
Hal ini diwujudkan dengan capaian kinerja
terbaiknya dari tahun ke tahun. Kokohnya
kinerja usaha PT Pegadaian ini selaras
dengan komitmen Perusahaan dalam rangka
meningkatkan peluang bisnis melalui sinergi,
kolaborasi, dan integrasi melalui produk
dan layanan secara cepat, aman, dan
andal. Langkah ini dilakukan PT Pegadaian
untuk dapat mengoptimalkan kinerja dan
memperkuat eksistensinya sebagai Akselerator
GROWING
Inklusi Keuangan pilihan utama masyarakat.
PT Pegadaian senantiasa beradaptasi dengan
menetapkan visi baru pada tahun 2023, yaitu:
“Menjadi Leader in the Gold Ecosystem dan
Akselerator Inklusi Keuangan di Indonesia”.
STRONGER,
Untuk mencapai aspirasi tersebut, model
bisnis Pegadaian ke depan akan memiliki 4
pendorong bisnis utama, yaitu gadai, micro-
SME, produk financial lainnya, dan bullion
ACHIEVE
service, dengan peningkatan fokus pada
bisnis syariah. Hal tersebut menjadi pilar usaha
yang senantiasa diperkuat secara terintegrasi,
selaras dengan membangun ekosistem emas
secara berkelanjutan.
HIGHER
PT Pegadaian always committed to achieve
sustainable strong performance amidst
the challenges of the uncertain economic
climate. This is realized by striving to the best
performance from year to year. PT Pegadaian's
strong business performance is in line with
the Company's commitment to increase
business opportunities through synergy,
collaboration and integration through products
and services quickly, safely and reliably. This
step implemented by PT Pegadaian to be able
to optimize performance and strengthen its
existence as the community's primary choice
of Financial Inclusion Accelerator.
PT Pegadaian continues to adapt with a
new vision in 2023: "Becoming a Leader in
the Gold Ecosystem and Financial Inclusion
Accelerator in Indonesia". To achieve these
aspirations, Pegadaian's future business model
will have 4 main business drivers, namely
pawn, micro-SME, other financial products,
and bullion service, with increased focus on
sharia business. These business pillars always
strengthened in an integrated manner, in line
with building a sustainable gold ecosystem.
Growing Stronger
Achieve Higher
Tumbuh Lebih Kuat, Raih Lebih Tinggi
Laporan Tahunan 2023 Annual Report
Growing Stronger
Achieve Higher
Tumbuh Lebih Kuat, Raih Lebih Tinggi
Laporan Tahunan 2023 Annual Report
www.pegadaian.co.id
2 Laporan Tahunan 2023 | PT Pegadaian
Page 3
Sanggahan
Laporan Tahunan ini memuat pernyataan kondisi This Annual Report contains statements of the
keuangan, hasil operasi, proyeksi, rencana, Company's financial conditions, operational
strategi, kebijakan, serta tujuan Perseroan, results, projections, plans, strategies, policies
dan Batasan
yang digolongkan sebagai pernyataan ke depan and objectives, which are classified as forward-
dalam pelaksanaan perundang-undangan yang looking statements in the implementation
Tanggung
berlaku, kecuali hal-hal yang bersifat historis. of applicable laws, except for subjects with
Pernyataan-pernyataan tersebut memiliki historical nature. These statements involve
prospek risiko, ketidakpastian, serta dapat prospective risks, uncertainties, and may cause
Jawab mengakibatkan perkembangan aktual secara
material berbeda dari yang dilaporkan.
actual developments to be materially different
from those reported.
Pernyataan-pernyataan prospektif dalam Prospective statements in this Annual Report
Disclaimer and Laporan Tahunan ini dibuat berdasarkan made based on various assumptions regarding
berbagai asumsi mengenai kondisi terkini dan current and future conditions as well as the
Boundaries kondisi mendatang serta lingkungan bisnis di business environment in which the Company
mana Perseroan menjalankan kegiatan usaha. conducts business activities. The statements
Pernyataan yang terdapat di Laporan Tahunan contained in this Annual Report are not a
ini bukan menjadi jaminan kinerja di masa yang guarantee of future performance, considering
akan datang, mengingat kinerja aktual di masa that actual future performance may differ from
depan dapat berbeda dengan pernyataan pada the statements in this Annual Report because it
Laporan Tahunan ini karena dapat dipengaruhi might be influenced by several factors outside
oleh beberapa faktor di luar kendali Perseroan. the Company's control.
Laporan tahunan ini memuat kata “Pegadaian” This annual report contains the word "Pegadaian"
dan “Perseroan” yang didefinisikan sebagai PT and "Company" which defined as PT Pegadaian
Pegadaian yang menjalankan kegiatan usaha di that conducts business activities in the financial
bidang jasa keuangan. Penyebutan satuan mata services sector. The reference to the currency
uang “Rupiah”, “Rp” atau IDR merujuk pada unit "Rupiah", "Rp" or IDR refers to the official
mata uang resmi Republik Indonesia, sedangkan currency of the Republic of Indonesia, while "US
“Dolar AS” atau USD merujuk pada mata Dollar" or USD refers to the official currency of
uang resmi Amerika Serikat. Semua informasi the United States. All financial information is
keuangan disajikan dalam mata uang Rupiah. presented in Rupiah currency.
PT Pegadaian | 2023 Annual Report 3
Page 4
Ikhtisar Kinerja
Performance Highlights
Perluasan Ekosistem yang Inklusif dan Empowering
Iklim usaha di tahun 2022 masih dipenuhi dengan tantangan ketidakpastian. Namun, tahun 2022
juga merupakan momentum penting PT Pegadaian yang secara resmi melepas atribut persero
setelah bergabung dalam Holding Ultra Mikro bersama PT Bank Rakyat Indonesia (Persero) Tbk.
dan Permodalan Nasional Madani. Perusahaan berkomitmen untuk membangun ekosistem yang
inklusif dan terintegrasi melalui adaptasi perubahan digital demi terciptanya iklim usaha yang
kuat dan berkelanjutan.
Selain pengembangan produk baru berbasis digital, produk lain juga terus diakselerasi demi
menyiapkan aneka revenue stream. Mulai dari pinjaman modal kerja berbasis invoce dan pre-
invoice, baik melalui kanal milik sendiri maupun berkolaborasi dengan sejumlah P2P lending,
seperti PaDi UMKM Kementerian BUMN, Investree, Akseleran, dan Modal Rakyat.
Pengembangan bisnis dilakukan dengan mengoptimalkan teknologi digital terkini dan terintegrasi,
mulai dari infrastruktur yang mengadopsi hybrid cloud dan on-premise, pemanfaatan data
analytics, artificial intelligence (AI), IoT, cyber security, dan IT Governance. Selain digitalisasi di
produk yang sesuai dengan target pasar, digitalisasi proses bisnis pun terus dilakukan, dengan
tujuan meningkatkan efisiensi serta produktivitas. Selamat datang di era digital baru!
Business climate in 2022 was still full of uncertainty challenges. But, PT Pegadaian also has
an important momentum in 2022, which is officialy no longer a limited liability company after
joined in Ultra Micro Holding with PT Bank Rakyat Indonesia (Persero) Tbk. and Permodalan
2022 Nasional Madani. The Company is committed to create an inclusive and integrated ecosystem
through digital changes adaptation for the realization of a strong and sustainable business
climate.
Besides of developing new digital-based product, the other products are also accelarated
to prepare for various revenue stream. Start from work capital loans based on invoice and
pre-invoice, both through self-platform or collaborated with a number of P2P lending, such as
MSME PaDi of Ministry of SOEs, Investree, Akseleran, and Modal Rakyat.
Business development was carried out through optimizing the latest and integrated digital
technology, start from the infrastructure which adopted hybrid cloud and on-premise, utilization
of data analytics, artificial intelligence (AI), IoT, cyber security, and IT Governance. Other than
digitalization on the market target oriented products, digitalization of business process is
continue to be running, with the objectives of officiency and productivity. Welcome to the new
digital era!
Empowering Core Business and Resilience Through
Digitalization
Tahun 2021 menjadi tahun yang sangat menantang bagi Pegadaian. Berlanjutnya pandemi
COVID-19 yang membuat kemampuan ekonomi masyarakat mengalami penurunan merupakan
salah satu tantangan utama yang dihadapi Perseroan. Selain itu, persaingan lintas industri juga
menjadi tantangan tersendiri bagi Perseroan.
Menghadapi tantangan tersebut, tahun 2021 Pegadaian fokus pada kekuatan di bisnis inti
Perseroan, yaitu bisnis gadai yang selama puluhan tahun telah membantu masyarakat dalam
menghadapi permasalahannya. Selain itu, untuk meningkatkan daya saing di tengah era disrupsi
teknologi, Pegadaian juga terus meningkatkan kapasitas dan kualitas layanan digital yang telah
dikembangkan sejak beberapa tahun terakhir.
Pegadaian berupaya untuk mengoptimalkan aset dan kemampuan yang dimiliki untuk
menciptakan peluang demi terwujudnya visi dan misi Perseroan dan memberikan nilai tambah
kepada seluruh pemangku kepentingan, serta turut memacu keberlanjutan dan kemampuan
yang berkelanjutan.
2021 has been a very challenging year for Pegadaian. The continuation of the Covid-19
pandemic which has made the community’s economic capacity to decline is one of the main
challenges faced by the Company. In addition, cross-industry competition is also a challenge
2021 for the Company.
Facing these challenges, in 2021 Pegadaian focused on strengths in the Company’s core
business, namely the pawn business which for decades has helped the community in
dealing with their problems. In addition, to increase competitiveness in the midst of the era of
technological disruption, Pegadaian continued to increase the capacity and quality of digital
services that have been developed in the last few years.
Pegadaian strives to optimize its assets and capabilities to create opportunities for the
realization of the Company’s vision and mission and to provide added value to all stakeholders,
as well as to encourage sustainability and sustainable capabilities.
4 Laporan Tahunan 2023 | PT Pegadaian
Page 5
Driving Sustainability
Fondasi bisnis yang kuat mampu membuat Pegadaian untuk terus membukukan pertumbuhan
kinerja yang positif. Di tengah masa pandemi Covid-19 yang membuat kondisi ekonomi dan bisnis
mengalami kemerosotan, disaat sebagian besar perusahaan lain menerapkan strategi untuk
dapat bertahan di masa krisis, Pegadaian justru menerapkan strategi untuk terus berkembang
di masa yang akan datang.
Perseroan fokus pada pengembangan produk dan fitur baru agar dapat menjangkau nasabah
yang lebih luas, salah satunya dengan terus meningkatkan kualitas dan kapasitas infrastruktur
dan layanan digital yang semakin diminati masyarakat.
Pegadaian berupaya untuk mengoptimalkan aset dan kemampuan yang dimiliki untuk
menciptakan peluang demi terwujudnya visi dan misi Perseroan dan memberikan nilai tambah
kepada seluruh pemangku kepentingan, serta turut memicu keberlanjutan dan kemampuan
yang berkelanjutan.
The strong business foundation is able to enable Pegadaian to continue to record positive
performance growth. In the midst of the Covid-19 pandemic which made economic and
business conditions slump, while most other companies implemented strategies to survive in
times of crisis, Pegadaian actually implemented a strategy to continue to grow in the future.
The Company focuses on developing new products and features in order to reach a wider
2020 range of customers, one of which is by continuously improving the quality and capacity of
digital infrastructure and services that are increasingly in demand by the public.
Pegadaian strives to optimize its assets and capabilities to create opportunities for the
realization of the Company’s vision and mission and provide added value to all stakeholders,
as well as contribute to triggering sustainability and sustainable capabilities.
Digitalisme
Pegadaian telah bertransformasi menjadi sebuah organisasi modern yang ditunjang dengan
teknologi digital yang sejalan dengan perubahan perilaku dan gaya hidup masyarakat yang
memerlukan layanan yang efisien, cepat dan akurat, kapanpun dan dimanapun berada.
Disrupsi sebagai akibat perubahan teknologi inovasi mendorong Pegadaian terus berinovasi
sehingga melahirkan produk dan layanan digital agar dapat meningkatkan daya saingnya
dalam industri keuangan. Pegadaian menyadari bahwa optimalisasi pemanfaatan Teknologi
Informasi (TI) dapat membawa Perseroan mencapai akselerasi pertumbuhan bisnis, serta mampu
mengakomodir perubahan di industri keuangan. Pemanfaatan Teknologi Informasi tersebut
meliputi digitalisasi proses bisnis maupun memperluas saluran distribusi sehingga mampu
memberikan layanan terbaik serta meminimalisir risiko operasional yang dihadapi Perseroan.
Pegadaian has transformed into a modern organization that is supported by digital technology
that is in line with changes in people’s behavior and lifestyles that require efficient, fast and
accurate services, whenever and wherever they are.
Disruption as a result of changes in innovation technology encourages Pegadaian to
continue to innovate so that it produces digital products and services in order to increase
its competitiveness in the financial industry. Pegadaian realizes that optimizing the use of
Information Technology (IT) can lead the Company to achieve accelerated business growth, as
well as being able to accommodate changes in the financial industry. Utilization of Information
2019 Technology includes digitizing business processes as well as expanding distribution channels
so as to be able to provide the best service and minimize operational risks faced by the
Company.
PT Pegadaian | 2023 Annual Report 5
Page 6
Ikhtisar Kinerja
Performance Highlights
Daftar Isi
Table of Contents
03
Sanggahan dan Batasan Lembaga dan Profesi Penunjang
3 Tanggung Jawab Pasar Modal
149
Disclaimer and Boundaries Capital Market Supporting
Profil Perusahaan
Institutions and Professions
Kesinambungan Tema
4
Company Profile
Theme Continuity Jangkauan Wilayah Operasional
152
Operational Area Networks
Daftar Isi
6 Alamat Entitas Anak, Entitas
Table of Contents Informasi Umum tentang
64 Pegadaian Asosiasi, Kantor Wilayah, dan
General Information of Pegadaian Kantor Area
154
Address of Subsidiaries,
01
Jejak Langkah Association Entities, Regional
69
Milestones Offices and Area Offices
Visi, Misi, dan Budaya Informasi pada Situs Web
Ikhtisar Kinerja
Perusahaan Perusahaan
70 157
Vision, Mission, and Corporate Information on the Company's
Performance Highlights Culture Website
Kegiatan Usaha
76
Ikhtisar Keuangan Business Activities
12
04
Financial Highlights
Produk dan Jasa
78
Ikhtisar Saham Products and Services
19
Stock Highlights
Struktur Organisasi
88
Analisis dan
Ikhtisar Efek Lainnya Organizational Structure
20
Other Securities’ Highlights
Pembahasan
Profil Dewan Komisaris
Peristiwa Penting 2023 90 Board of Commissioners’
24
Highlight Event 2023 Profile
Manajemen
27
Penghargaan dan Sertifikasi
Award and Certification
102
Profil Direksi
Board of Directors’ Profile
Management Discussion
and Analysis
Profil Pejabat Eksekutif
113
Profile of Executive Officers Tinjauan Ekonomi dan Industri
02
160
Demografi Karyawan dan Economy and Industrial Overview
Pengembangan Kompetensi Tinjauan Operasional
122 164
Employees’ Demographics and Operational Overview
Laporan Manajemen
Competency Development
Tinjauan Operasi Per Segmen
Pendidikan dan/atau Pelatihan
Management Report
Usaha
Dewan Komisaris, Direksi, Komite, 167
Operational Overview by
Sekretaris Perusahaan, Audit Business Segment
Laporan Dewan Komisaris Internal, dan Manajemen Risiko
34
Board of Commissioners’ Report 126 Education and/or Training for Tinjauan Keuangan
186
the Board of Commissioners, Financial Overview
Laporan Direksi
46 Board of Directors, Committees,
Board of Directors’ Report
Corporate Secretary, Internal
05
Pernyataan Direksi dan Dewan Audit and Risk Management
Komisaris tentang Tanggung
Jawab atas Laporan Tahunan Komposisi Pemegang Saham
135
2023 Composition of Shareholders
Fungsi Penunjang
60 Statements of the Board of Struktur Grup dan Daftar Entitas
Directors and the Board of Anak dan Entitas Asosiasi
Bisnis
Commissioners Regarding 139
Group Structure and Subsidiaries
Responsibility for 2023 Annual
Business Support
and Associations
Report
Function
Informasi tentang Pencatatan
146 Saham
Information on Stock Listing
Sumber Daya Manusia dan
Kronologis Penerbitan dan Pengelolaan Talenta
Pencatatan Efek Lainnya 254
146 Human Resources and Talent
Chronology of Other Securities’ Management
Issuance and Listing
6 Laporan Tahunan 2023 | PT Pegadaian
Page 7
06
Organ Pendukung Direksi Tata Kelola Unit Usaha Syariah
669
536 Supporting Organs of the Board Sharia Business Unit Governance
of Directors
Tata Kelola Hubungan
Tata Kelola 591
Manajemen Risiko Induk Perusahaan dan Anak
Perusahaan
Risk Management 680 Perusahaan
Parent Company and Subsidiaries
Corporate Governance
Perkara Penting dan Sanksi
Relationship Governance
Administrasi
610
Important Cases and Transparansi Praktik Bad
Prinsip Umum Governansi Administrative Sanctions Governance
Korporat 681
272 Transparency of Bad Governance
General Principles of Corporate Akses Informasi dan Data
Practices
Governance Perseroan
612
Access to Company Information
Rapat Umum Pemegang Saham
07
320 and Data
General Meeting of Shareholders
Kode Etik: Standar Etika
Dewan Komisaris Perseroan
332 629
Board of Commissioners Code of Conduct: Company’s
361
Komisaris Independen Ethical Standards
Tanggung Jawab
Sosial Lingkungan
Independent Commissioner Kebijakan Antikorupsi dan
Direksi Pengendalian Gratifikasi
Perusahaan
364 636
Board of Directors Anti-corruption Policy and
Corporate Social
Gratification Control
Transparansi Informasi terkait
Responsibility
Dewan Komisaris dan Direksi Laporan Harta Kekayaan
381 Information Transparency Related Penyelenggara Negara
649
to the Board of Commissioners State Administration Wealth
Report Tata Kelola Tanggung Jawab
and the Board of Directors Sosial Perusahaan
684
Penilaian Kinerja Dewan Pengadaan Barang dan Jasa Governance of Corporate Social
Komisaris dan Direksi 652 Procurement of Goods and Responsibility
389 Performance Assessment of the Services
Prinsip dan Landasan Hukum
the Board of Commissioners and Whistleblowing System TJSL di Perusahaan
Board of Directors 664 686
Whistleblowing System Legal Principles and Foundations
Governansi Remunerasi Dewan of TJSL in the Company
Komisaris dan Direksi Realisasi Dana dan Kegiatan TJSL
415 Remuneration Governance of the Tahun 2023
Board of Commissioners and the 691
Realization of TJSL Funds and
Board of Directors
Activities in 2023
Organ Pendukung Dewan
Pelaksanaan Program Unggulan
Komisaris
423 694 Implementation of the Priority
Supporting Organs of the Board
Programs
of Commissioners
Penghargaan terkait TJSL
697 Awards for Company’s TJSL
Implementation
Laporan Keuangan
Financial Statement
PT Pegadaian | 2023 Annual Report 7
Page 8
01
Ikhtisar Kinerja
Performance Highlights
Ikhtisar Kinerja
Performance Highlights
8 Laporan Tahunan 2023 | PT Pegadaian
Page 9
%
02
PT Pegadaian | 2023 Annual Report 9
Page 10
Ikhtisar Kinerja
Performance Highlights
Kinerja Segmen Usaha
Business segment performance
Pendapatan Sewa Modal Pendapatan Penjualan Emas Pendapatan Usaha Lainnya
dan Administrasi Gold Sales Revenue Other Business Income
Capital and Administration
Rental Income
Rp
15,99 Rp
7,98 Rp
464,39
triliun | triliion triliun | triliion miliar | billion
Rp
24,43
Jumlah Pendapatan Usaha
Total revenue triliun | triliion
Kinerja Keuangan
Financial Performance
Di tahun 2023, Total aset Perseroan tercatat
Liabilitas Aset sebesar Rp82,59 triliun, mengalami peningkatan
Liabilities Asset Rp9,26 triliun atau 12,62% dibanding tahun 2022
49,95 12,62%
yang sebesar Rp73.33 triliun.
Rp In 2023, the Company's total assets were
recorded at Rp82.59 trillion, an increase of
Rp9.26 trillion or 12.62% compared to 2022
which amounted to Rp73.33 trillion.
triliun | triliion
Ekuitas Laba Laba usaha Perseroan tahun 2023 tumbuh
31,46% atau sebesar Rp1,36 triliun menjadi
Equity Revenue Rp5,69 triliun dari tahun sebelumnya sebesar
Rp
32,64 31,46%
Rp4,33 triliun
The Company's operating profit in 2023 will grow
31.46% or Rp1.36 trillion to Rp5.69 trillion from
the previous year of Rp4.33 trillion
triliun | triliion
Governansi Korporat
Corporate Governance
Peringkat GCG
GCG Rating
Sangat Baik Di tahun 2023, hasil asesmen penerapan governansi korporat menunjukkan total skor
98,919 atau mencapai kualitas “Sangat Baik”
Very Good
In 2023, the results of the assessment of the implementation of corporate governance
show a total score of 98.919 or achieving "Very Good" quality.
10 Laporan Tahunan 2023 | PT Pegadaian
Page 11
PT Pegadaian | 2023 Annual Report 11
Page 12
Ikhtisar Kinerja
Performance Highlights
Ikhtisar Keuangan
Financial Highlights
Laporan Posisi Keuangan Konsolidasian
Consolidated Statement of Financial Position
dalam jutaan Rupiah
In million rupiah
Uraian
2023 2022 2021 2020 2019
Description
Aset
Assets
Kas dan Setara Kas
263.631 378.750 438.573 472.838 625.092
Cash and Cash Equivalent
Pinjaman yang Diberikan – Bersih
64.456.296 55.347.852 48.961.730 54.696.744 50.366.150
Loans - Net
Piutang Lain-lain – Bersih
496.523 837.521 777.569 68.781 28.226
Other Receivables - Net
Persediaan
508.781 466.876 393.059 357.048 246.304
Inventories
Pendapatan yang Masih Harus
Diterima 2.264.818 2.379.068 2.236.095 2.566.129 2.066.371
Accrued Income
Pajak Dibayar di Muka - Lain-lain
45.490 43.812 109.567 47.902 217.631
Prepaid Taxes - Others
Beban Dibayar di Muka
63.827 66.228 96.239 54.322 280.617
Prepaid Expenses
Aset Tidak Lancar Dimiliki untuk Dijual
- - - 822.532 -
Non-Current Assets for Sale
Aset Hak Guna
414.913 302.521 260.120 238.301 -
Right of use assets
Penyertaan Langsung
17.384 11.869 5.725 690 -
Direct participation
Properti Investasi
181.246 180.025 180.025 179.937 179.375
Investment Properties
Aset Tetap – Bersih
12.127.278 11.576.765 10.670.919 10.252.580 10.458.046
Fixed Assets - Net
Aset Tak Berwujud – Bersih
163.133 125.327 77.430 64.278 54.255
Intangible Assets - Net
Aset Pajak Tangguhan
1.578.126 1.613.176 1.568.695 1.332.387 799.348
Deferred Tax Assets
Aset Lain-lain – Bersih
3.985 - 192 314.491 2.762
Other Assets – Net
Jumlah Aset
82.585.431 73.329.790 65.775.938 71.468.960 65.324.177
Total Assets
12 Laporan Tahunan 2023 | PT Pegadaian
Page 13
dalam jutaan Rupiah
In million rupiah
Uraian
2023 2022 2021 2020 2019
Description
Liabilitas
Liabilities
Utang kepada Nasabah 242.831 179.994 152.728 715.010 224.050
Payables to Customers
Utang Usaha 645.359 587.745 587.445 397.545 456.355
Trade Payables
Utang Pajak 447.702 289.945 104.587 426.425 192.780
Taxes payable
Liabilitas Pajak Tangguhan - 4.424 5.768 3.400 1.607
Deferred tax liabilities
Akrual 2.848.250 3.200.367 2.533.206 1.995.930 1.564.923
Accruals
Pendapatan Diterima di Muka 48.647 54.042 58.426 65.189 59.430
Unearned Revenue
Liabilitas Sewa 1.860 1.775 - 17 -
Lease Liabilities
Liabilitas Lain-Lain 745.717 918.749 842.489 285.025 251.444
Other Liabilities
Pinjaman Bank 35.024.788 25.270.571 23.248.153 29.347.765 29.925.380
Bank Loans
Surat Berharga yang Diterbitkan 8.198.004 12.291.310 9.240.972 10.798.792 7.347.349
Securities Issued
Pinjaman dari Pemerintah 26.593 372.184 810.871 539.225 389.833
Loans from Government
Liabilitas Imbalan Kerja 1.720.089 1.740.198 1.932.292 2.291.021 1.850.716
Employee Benefit Liabilities
Jumlah Liabilitas 49.949.840 44.911.304 39.516.937 46.865.344 42.263.867
Total Liabilities
dalam jutaan Rupiah
In million rupiah
Uraian
2023 2022 2021 2020 2019
Description
Ekuitas
Equity
Modal Saham 6.250.000 6.250.000 6.250.000 6.250.000 6.250.000
Share Capital
Cadangan Revaluasi Aset 7.699.743 7.782.152 7.698.904 7.810.673 7.710.135
Asset Revaluation Reserves
Pengukuran Kembali Imbalan Pasca (824.656) (658.661) (803.358) (1.055.313) (720.780)
Kerja
Remeasurement of Post-Emploment
Benefits
Saldo Laba yang Telah Dicadangkan 14.785.543 11.487.231 10.516.523 9.505.528 6.398.029
Appropriated Retained Earnings
Saldo Laba yang Belum Dicadangkan 4.721.438 3.554.555 2.593.843 2.089.583 3.420.240
Unappropriated Retained Earnings
Sub Total 32.632.068 28.415.277 26.255.912 24.600.471 23.057.624
Kepentingan Non-Pengendali 3.523 3.209 3.089 3.145 2.686
Non-Controlling Interest
Jumlah Ekuitas 32.635.591 28.418.486 26.259.001 24.603.616 23.060.310
Total Equity
Jumlah Liabilitas dan Ekuitas 82.585.431 73.329.790 65.775.938 71.468.960 65.324.177
Total Liabilities and Equity
PT Pegadaian | 2023 Annual Report 13
Page 14
Ikhtisar Kinerja
Performance Highlights
Jumlah Aset Jumlah Ekuitas
Total Assets Rp juta Total Equity Rp juta
Rp million Rp million
82,585,431 32.635.591
71,468,960 73,329,790 28.418.486
26.259.001
65,324,177 65,775,938 24.603.616
23.060.310
2019 2020 2021 2022 2023 2019 2020 2021 2022 2023
Jumlah Liabilitas Rp juta
Total Liabilities Rp million
49,949,840
46,865,344 44,911,304
42,263,867
39,516,937
2019 2020 2021 2022 2023
Laporan Laba (Rugi) dan Penghasilan Komprehensif Lain Konsolidasian
Consolidated of Profit or Loss and other Comprehensive Income
dalam jutaan Rupiah
In million rupiah
Uraian
2023 2022 2021 2020 2019
Description
Pendapatan Usaha
Operating Revenues
Pendapatan Sewa Modal dan Administrasi 15.987.067 14.362.644 13.808.210 14.545.041 12.948.638
Interest and Administration Income
Pendapatan Penjualan Emas 7.982.336 8.175.457 6.510.686 7.122.689 4.505.422
Revenue from Gold Sold
Pendapatan Usaha Lainnya 464.391 338.486 320.965 296.673 220.467
Other Operating Revenues
Jumlah Pendapatan Usaha 24.433.794 22.876.587 20.639.861 21.964.403 17.674.257
Total Operating Revenues
Beban Usaha
Operating Expenses
Beban Harga Pokok Penjualan Emas 7.663.203 7.898.383 6.283.211 6.833.719 4.333.125
Cost of Revenue from Gold Sold
Beban Pegawai 4.632.772 4.531.692 3.896.562 4.162.940 3.783.711
Employee Expenses
14 Laporan Tahunan 2023 | PT Pegadaian
Page 15
dalam jutaan Rupiah
In million rupiah
Uraian
2023 2022 2021 2020 2019
Description
Beban Bunga dan Bagi Hasil 2.426.111 1.695.144 2.211.950 3.047.966 2.647.739
Interest and Profit-Sharing Expenses
Beban Administrasi dan Umum 3.703.513 3.764.004 3.577.817 2.871.875 2.395.865
General and Administration Expenses
Beban Pemasaran 189.547 167.245 152.757 131.260 170.286
Marketing Expenses
Cadangan Kerugian Penurunan Nilai 132.788 494.814 1.280.842 2.125.384 154.374
Allowance for Impairment Losses
Jumlah Beban Usaha 18.747.934 18.551.282 17.403.139 19.173.144 13.485.100
Total Operating Expenses
Laba Usaha 5.685.860 4.325.305 3.236.722 2.791.259 4.208.553
Operating Profit
Pendapatan Lain-Lain – Bersih 15.156 3.899 7.713 82.031 22.439
Other Income - Net
Laba Sebelum Pajak Penghasilan 5.701.016 4.329.204 3.244.435 2.873.290 4.230.992
Profit Before Income Tax
Beban Pajak Penghasilan (1.324.339) (1.030.259) (822.356) (846.977) (1.122.914)
Income Tax Expenses
Laba Tahun Berjalan dari Operasi yang 4.376.677 3.298.945 2.422.079 2.026.313 3.088.952
Dilanjutkan
Profit for the Year from Continuing
Operations
(Rugi)/Laba Tahun Berjalan dari Operasi - - 5.231 (3.866) 19.126
yang Dihentikan
Profit/(Loss) for the Year from Discontinued
Operations
Laba Bersih Tahun Berjalan 4.376.677 3.298.945 2.427.310 2.022.447 3.108.078
Net Profit for the Year
Penghasilan Komprehensif Lain
Other Comprehensive Income
Pos-pos yang tidak akan Direklasifikasi ke
Laba Rugi:
Items that will not be Reclassified to Profit
or Loss:
Pengukuran Kembali Imbalan Pasca Kerja (212.810) 185.509 323.038 (405.134) (617.396)
Remeasurement of Post-Employment
Benefits
Keuntungan Revaluasi Tanah dan Bangunan 6.774 186.622 - 163.780 1.704.152
Gains on Revaluation of Land and Buildings
Efek Pajak Terkait 46.815 (55.016) (71.083) 54.719 136.598
Related Tax Effect
Penghasilan Komprehensif Lain Tahun (159.221) 317.115 251.955 (186.635) 1.223.354
Berjalan, Setelah Pajak
Other Comprehensive Income for the Year,
After Tax
Jumlah Penghasilan Komprehensif Tahun 4.217.456 3.616.060 2.679.265 1.835.812 4.331.432
Berjalan
Total Comprehensive Income for the Year
Laba Bersih Tahun Berjalan yang
Diatribusikan kepada:
Net profit for the year attributable to:
Pemilik Entitas Induk 4.376.012 3.298.312 2.426.771 2.021.988 3.107.499
Owners of the Parent Entity
Kepentingan Non-Pengendali 665 633 539 459 579
Non-Controlling Interest
Sub Total 4.376.677 3.298.945 2.427.310 2.022.447 3.108.078
PT Pegadaian | 2023 Annual Report 15
Page 16
Ikhtisar Kinerja
Performance Highlights
dalam jutaan Rupiah
In million rupiah
Uraian
2023 2022 2021 2020 2019
Description
Jumlah Penghasilan Komprehensif yang
Dapat Diatribusikan kepada:
Total Comprehensive Income Atributable to:
Pemilik Entitas Induk 4.216.791 3.615.427 2.678.726 1.835.353 4.330.853
Owners of the Parent Entity
Kepentingan Non-Pengendali 665 633 539 459 579
Non-Controlling Interest
Sub Total 4.217.456 3.616.060 2.678.726 1.835.812 4.331.432
Jumlah Penghasilan Komprehensif yang
Dapat Diatribusikan kepada:
Total Comprehensive Income Atributable to:
Operasi yang Dilanjutkan 4.217.456 3.616.060 2.674.034 1.839.678 4.312.306
Continuing Operations
Operasi yang Dihentikan - - 5.231 (3.866) 19.126
Discontinued Operations
Sub Total 4.217.456 3.616.060 2.679.265 1.835.812 4.331.432
Laba Bersih per Saham Dasar dan Dilusian
(dalam Rupiah Penuh)
Earnings per Basic Share and Diluted (in full
amount of Rupiah)
Operasi yang Dilanjutkan 700.160 527.730 387.619 324.136 494.140
Continuing Operations
Operasi yang Dihentikan - - 664 (618) 3.060
Discontinued Operations
Sub Total 700.160 527.730 388.283 323.518 497.200
Pendapatan Usaha Rp juta Laba Usaha Rp juta
Operating Revenues Rp million Operating Profit Rp million
24.433.794
5.685.860
21.964.403 22.876.587
20.639.861
4.325305
17.674.257 4.208.553
3.236.722
2.791.259
2019 2020 2021 2022 2023 2019 2020 2021 2022 2023
Beban Usaha Laba Bersih Tahun Berjalan
Operating Expenses Net Profit for the Year
Rp juta Rp juta
Rp million Rp million
18.747.934
19.173.144 18.551.282
17.403.139
4.376.677
13.485.100
3.108.078 3.298.945
2.427.310
2.022.447
2019 2020 2021 2022 2023 2019 2020 2021 2022 2023
16 Laporan Tahunan 2023 | PT Pegadaian
Page 17
Laporan Arus Kas Konsolidasian
Consolidated Statements of Cash Flows
dalam jutaan Rupiah
In million rupiah
Uraian
2023 2022 2021 2020 2019
Description
Arus Kas dari Aktivitas Operasi (4.300.050) (1.699.964) 9.424.718 (2.240.521) (5.876.614)
Cash Flow from Operating Activities
Arus Kas dari Aktivitas Investasi (1.123.229) (1.537.866) (1.062.157) (934.954) (532.445)
Cash Flow from Investing Activities
Arus Kas dari Aktivitas Pendanaan 5.308.160 3.178.007 (8.396.826) 3.023.221 6.649.323
Cash Flow from Financing Activities
Kenaikan (Penurunan) Bersih Kas dan (115.119) (59.823) (34.265) (152.254) 240.264
Setara Kas
Increase (Decrease) in Net Cash and
Cash Equivalent
Kas dan Setara Kas Awal Periode 378.750 438.573 472.838 625.092 384.828
Cash and Cash Equivalent in the
Beginning of the Year
Kas dan Setara Kas Akhir Periode 263.631 378.750 438.573 472.838 625.092
Cash and Cash Equivalent at the End
of the Year
Rasio Keuangan
Financial Ratios
Uraian
2023 2022 2021 2020 2019
Description
Rasio Keuangan
Financial Ratios
Return on Asset (ROA) 5,60% 4,80% 3,55% 2,93% 4,76%
Return on Equity (ROE) 14,33% 12,13% 11,41% 8,40% 13,48%
Beban Operasional Pendapatan 66,10% 71,12% 77,45% 81,55% 68,50%
Operasional (BOPO)
Operating Expenses to Operating
Income (BOPO)
Rasio Laba Bersih terhadap 17,91% 14,42% 11,76% 9,21% 17,57%
Pendapatan Usaha
Net Profit to Operating Income
Rasio Lancar 149,90% 149,70% 173,85% 151,21% 153,91%
Current Ratio
Rasio Aset terhadap Liabilitas 165,34% 163,28% 166,45% 152,50% 154,56%
Assets to Liabilities Ratio
Rasio Kas 0,58% 0,95% 0,90% 1,22% 1,79%
Cash Ratio
Rasio Liabilitas terhadap Ekuitas (x) 1,53 1,58 1,50 1,90 1,83
Liabilities to Equity Ratio
Rasio Liabilitas terhadap Aset (x) 0,60 0,61 0,60 0,66 0,65
Liabilities to Assets Ratio
Kemampuan Membayar Bunga (x) 3,35 3,55 2,49 1,94 2,60
Ability to Pay Interest
Rasio Pertumbuhan
Growth Ratios
Aset 12,62% 11,48% -7,97% 9,41% 23,74%
Assets
Pendapatan Usaha 6,81% 10,84% -6,03% 24,27% 38,79%
Operating Revenues
Beban Usaha 1,06% 6,60% -9,23% 42,18% 47,97%
Operating Expenses
PT Pegadaian | 2023 Annual Report 17
Page 18
Ikhtisar Kinerja
Performance Highlights
Uraian
2023 2022 2021 2020 2019
Description
Laba Usaha 31,46% 33,63% 15,96% -33,37% 15,79%
Operating Profit
Laba Bersih 32,67% 35,89% 20,03% -34,94% 12,00%
Net Profit
Pinjaman yang Diberikan (Omzet) 14,15% 9,81% -0,82% 13,34% 10,81%
Loans (Omzet)
Rasio Produktivitas (Rp Juta)
Productivity Rations (Rp Million)
Omzet Per Pegawai 15.179 13.881 11.391 11.594 10.377
Omzet per Employee
Laba Bersih Per Pegawai 324 255 169 142 221
Net Profit per Employee
Return on Asset (ROA) Return on Equity (ROE)
14,33%
5,60%
13,48%
4,76% 12,13%
4,80%
11,41%
3,55% 8,40%
2,93%
2019 2020 2021 2022 2023 2019 2020 2021 2022 2023
Beban Operasional Pendapatan
Operasional (BOPO)
Operating Expenses to Operating Rasio Lancar
Income (BOPO) Concurrent Ratio
173,85%
81,55% 77,45% 153,91% 149,90%
151,21% 149,70%
68,50% 71,12% 66,10%
2019 2020 2021 2022 2023 2019 2020 2021 2022 2023
18 Laporan Tahunan 2023 | PT Pegadaian
Page 19
Ikhtisar Saham Stock Highlights Komposisi Saham Stock Composition PT Pegadaian membagi modal saham yang dimiliki PT Pegadaian divides its owned and paid-up share dan disetor menjadi 2 (dua) jenis, yakni saham Seri A capital into 2 (two) types, of Series A Dwiwarna shares Dwiwarna dan saham Seri B. Di tahun 2023, saham Seri and Series B shares. In 2023, 1 Series A Dwiwarna A Dwiwarna sebanyak 1 lembar atau 0,00002% dimiliki share or 0.00002% is owned by the Government oleh Pemerintah Republik Indonesia dan saham Seri B of the Republic of Indonesia and Series B shares of sebanyak 6.249.999 lembar atau 99,99998% dimiliki 6,249,999 shares or 99.99998% owned by PT Bank oleh PT Bank Rakyat Indonesia (Persero) Tbk sebagai Rakyat Indonesia (Persero) Tbk as the holding. holding. Informasi tentang Perdagangan Information about Stock Trading and Saham dan Kepemilikan Saham oleh Public Ownership of Shares Publik Per 31 Desember 2023, Pegadaian tidak pernah As of December 31, 2023, Pegadaian has never melakukan Penawaran Umum Perdana Saham conducted an Initial Public Offering (IPO) on any Stock (IPO) di Bursa Efek manapun. Oleh karena itu, tidak Exchange. Therefore, there is no information regarding terdapat informasi terkait perdagangan saham yang stock trading which includes market capitalization memuat kapitalisasi pasar berdasarkan harga pada based on prices on the Stock Exchange where the Bursa Efek tempat saham dicatatkan; harga saham shares are listed; highest, lowest and closing share tertinggi, terendah, dan penutupan berdasarkan harga prices based on prices on the Stock Exchange where pada Bursa Efek tempat saham dicatatkan; volume the shares are listed; share trading volume on the Stock perdagangan saham pada Bursa Efek tempat saham Exchange where the shares are listed; and information dicatatkan; dan informasi dalam bentuk grafik yang in chart form containing at least the closing price memuat paling kurang harga penutupan berdasarkan based on the price on the Stock Exchange where the harga pada Bursa Efek tempat saham dicatatkan dan shares are listed and the share trading volume on the volume perdagangan saham pada Bursa Efek tempat Stock Exchange where the shares are listed for each saham dicatatkan. untuk setiap masa triwulan dalam 2 quarter in the last 2 (two) financial years. (dua) tahun buku terakhir. Informasi tentang Aksi Korporasi Information on Corporate Action Di tahun 2023, Perseroan tidak melakukan aksi In 2023, the Company did not conduct any corporate korporasi, seperti aksi pemecahan saham (stock split), actions, such as stock split, reverse stock, bonus penggabungan saham (reverse stock), saham bonus, shares, or reduction in the nominal value of shares. maupun penurunan nilai nominal saham. Informasi Penghentian Sementara Information on Temporary Suspension Perdagangan Saham (Suspension) of Stock Trading (Suspension) and/or dan/atau Sanksi Perdagangan Saham Stock Trading Sanctions (Delisting) (Delisting) Hingga akhir tahun 2023, Pegadaian bukan Until the end of 2023, Pegadaian is not a public merupakan perusahaan publik dan tidak mencatatkan company and did not list its shares on any stock sahamnya di Bursa Efek Manapun. Oleh karena itu, exchange. Therefore, there is no information regarding tidak terdapat informasi mengenai aksi penghentian the action of temporary suspending of stock trading sementara perdagangan saham (suspension) dan/ (suspension) and/or delisting of shares in this Annual atau penghapusan pencatatan saham (delisting) Report. dalam Laporan Tahunan ini. PT Pegadaian | 2023 Annual Report 19
Page 20
Ikhtisar Kinerja
Performance Highlights
Ikhtisar Efek Lainnya
Other Securities’ Highlights
Obligasi
Bonds
Jumlah Obligasi
Tanggal
Uraian Mata Uang (juta)
No. Penerbitan Tenor
Description Currency Unit Total Bonds
Issuance Date
(million)
1 Obligasi Berkelanjutan III Tahap II Seri C 16-Mar-18 5 tahun/ years Rp 2.000.000
Continuous Bonds III Phase II Series C
2 Obligasi Berkelanjutan IV Tahap I Seri B 13-May-20 3 tahun/ years Rp 70.000
Continuous Bonds IV Phase I Series B
3 Obligasi Berkelanjutan IV Tahap II Seri B 08-Jul-20 3 tahun/ years Rp 303.000
Continuous Bonds IV Phase II Series B
4 Obligasi Berkelanjutan IV Tahap II Seri C 08-Jul-20 5 tahun/ years Rp 142.000
Continuous Bonds IV Phase II Series C
5 Obligasi Berkelanjutan IV Tahap III Seri B 22-Sep-20 3 tahun/ years Rp 1.125.000
Continuous Bonds IV Phase III Series B
6 Obligasi Berkelanjutan IV Tahap IV Seri B 06-Apr-21 3 tahun/ years Rp 1.107.500
Continuous Bonds IV Phase IV Series B
7 Obligasi Berkelanjutan V Tahap I Seri A 26-Apr-22 370 hari/ days Rp 2.431.000
Continuous Bonds V Phase I Series A
8 Obligasi Berkelanjutan V Tahap I Seri B 26-Apr-22 3 tahun/ years Rp 598.000
Continuous Bonds V Phase I Series B
9 Obligasi Berkelanjutan V Tahap II Seri A 16-Aug-22 370 hari/ days Rp 1.601.000
Continuous Bonds V Phase II Series A
11 Obligasi Berkelanjutan V Tahap II Seri B 16-Aug-22 3 tahun/ years Rp 276.000
Continuous Bonds V Phase II Series B
12 Obligasi Berkelanjutan V Tahap III Seri A 19-Jun-23 370 hari/ days Rp 1.595.000
Continuous Bonds V Phase III Series A
13 Obligasi Berkelanjutan V Tahap III Seri B 19-Jun-23 3 tahun/ years Rp 400.000
Continuous Bonds V Phase III Series B
14 Obligasi Berkelanjutan V Tahap IV Seri A 24-Aug-23 370 hari/ days Rp 2.205.135
Continuous Bonds V Phase IV Series A
15 Obligasi Berkelanjutan V Tahap IV Seri B 24-Aug-23 3 tahun/ years Rp 228.025
Continuous Bonds V Phase IV Series B
20 Laporan Tahunan 2023 | PT Pegadaian
Page 21
Status Peringkat
Tanggal Tingkat
Pembayaran Wali Amanat Keterangan
Jatuh Tempo Suku Bunga
Payment 2023 2022 2021
Maturity Date Interest Rate
Status
16-Mar-23 7,10% Lancar idAAA idAAA idAAA PT Bank Mega Tbk Aktif
Current Active
13-May-23 7,70% Lancar idAAA idAAA idAAA PT Bank Mega Tbk Aktif
Current Active
08-Jul-23 7,60% Lancar idAAA idAAA idAAA PT Bank Mega Tbk Lunas
Current Settled
08-Jul-25 7,95% Lancar idAAA idAAA idAAA PT Bank Mega Tbk Aktif
Current Active
22-Sep-23 6,45% Lancar idAAA idAAA idAAA PT Bank Mega Tbk Lunas
Current Settled
06-Apr-24 6,20% Lancar idAAA idAAA idAAA PT Bank Mega Tbk Aktif
Current Active
06-May-23 3,60% Lancar idAAA idAAA PT Bank Mega Tbk Lunas
Current Settled
26-Apr-25 5,35% Lancar idAAA idAAA PT Bank Mega Tbk Aktif
Current Active
26-Aug-23 3,95% Lancar idAAA idAAA PT Bank Mega Tbk Lunas
Current Settled
16-Aug-25 5,75% Lancar idAAA idAAA PT Bank Mega Tbk Aktif
Current Active
26-Jun-24 5,80% Lancar idAAA PT Bank Mega Tbk Aktif
Current Active
16-Jun-26 6,20% Lancar idAAA PT Bank Mega Tbk Aktif
Current Active
4-Sep-24 5,90% Lancar idAAA PT Bank Mega Tbk Aktif
Current Active
24-Aug-26 5,90% Lancar idAAA PT Bank Mega Tbk Aktif
Current Active
PT Pegadaian | 2023 Annual Report 21
Page 22
Ikhtisar Kinerja
Performance Highlights
Sukuk
Jumlah
Mata
Tanggal Obligasi
Uraian Uang
No. Penerbitan Tenor (juta)
Description Currency
Issuance Date Total Bonds
Unit
(million)
Sukuk Mudharabah Berkelanjutan I Tahap I Seri B 13-May-20 3 tahun/ years Rp 49.000
1 Continuous Sukuk Mudharabah I Phase I Series B
Sukuk Mudharabah Berkelanjutan I Tahap II Seri B 08-Jul-20 3 tahun/ years Rp 103.000
2 Continuous Sukuk Mudharabah I Phase II Series B
Sukuk Mudharabah Berkelanjutan I Tahap II Seri C 08-Jul-20 5 tahun/ years Rp 80.500
3 Continuous Sukuk Mudharabah I Phase II Series C
Sukuk Mudharabah Berkelanjutan I Tahap III Seri B 22-Sep-20 3 tahun/ years Rp 131.000
4 Continuous Sukuk Mudharabah I Phase III Series B
Sukuk Mudharabah Berkelanjutan I Tahap III Seri B 06-Apr-21 3 tahun/ years Rp 165.800
5 Continuous Sukuk Mudharabah I Phase III Series B
Sukuk Mudharabah Berkelanjutan II Tahap I Seri A 26-Apr-22 370 hari/ days Rp 671.000
6 Continuous Sukuk Mudharabah II Phase I Series A
Sukuk Mudharabah Berkelanjutan II Tahap I Seri B 26-Apr-22 3 tahun/ years Rp 320.000
7 Continuous Sukuk Mudharabah II Phase I Series B
Sukuk Mudharabah Berkelanjutan II Tahap II Seri A 16-Aug-22 370 hari/ days Rp 878.000
8 Continuous Sukuk Mudharabah II Phase II Series A
Sukuk Mudharabah Berkelanjutan II Tahap II Seri B 16-Aug-22 3 tahun/ years Rp 245.000
9 Continuous Sukuk Mudharabah II Phase II Series B
Sukuk Mudharabah Berkelanjutan II Tahap III Tahun 2023 19-Jun-23 370 hari/ days Rp 605.000
10 Continuous Sukuk Mudharabah II Phase III 2023
Sukuk Mudharabah Berkelanjutan II Tahap IV Tahun 2023 24-Aug-23 3 tahun/ years Rp 235.040
11 Continuous Sukuk Mudharabah II Phase IV 2023
22 Laporan Tahunan 2023 | PT Pegadaian
Page 23
Tanggal Peringkat
Status
Jatuh Tingkat Ratings
Pembayaran Wali Amanat Keterangan
Tempo Suku Bunga
Payment
Maturity Interest Rate 2023 2022 2021
Status
Date
13-May-23 7,70% Lancar idAAA(sy) idAAA(sy) idAAA(sy) PT Bank Mega Tbk Lunas
Current Settled
08-Jul-23 7,60% Lancar idAAA(sy) idAAA(sy) idAAA(sy) PT Bank Mega Tbk Lunas
Current Settled
08-Jul-25 7,95% Lancar idAAA(sy) idAAA(sy) idAAA(sy) PT Bank Mega Tbk Aktif
Current Active
22-Sep-23 6,45% Lancar idAAA(sy) idAAA(sy) idAAA(sy) PT Bank Mega Tbk Lunas
Current Settled
06-Apr-24 6,20% Lancar idAAA(sy) idAAA(sy) idAAA(sy) idAAA(sy) Aktif
Current Active
06-May-23 3,60% Lancar idAAA(sy) idAAA(sy) PT Bank Mega Tbk Lunas
Current Settled
26-Apr-25 5,35% Lancar idAAA(sy) idAAA(sy) PT Bank Mega Tbk Aktif
Current Active
26-Aug-23 3,95% Lancar idAAA(sy) idAAA(sy) PT Bank Mega Tbk Lunas
Current Settled
16-Aug-25 5,75% Lancar idAAA(sy) idAAA(sy) PT Bank Mega Tbk Aktif
Current Active
26-Jun-24 5,80% Lancar idAAA(sy) PT Bank Mega Tbk Aktif
Current Active
24-Aug-26 5,90% Lancar idAAA(sy) PT Bank Mega Tbk Aktif
Current Active
PT Pegadaian | 2023 Annual Report 23
Page 24
Ikhtisar Kinerja
Performance Highlights
Peristiwa Penting 2023
Highlight Event 2023
Januari 2023 Februari 2023 Maret 2023
Pegadaian X Danamon Pelopori Social Pegadaian Gandeng Produsen Emas Pegadaian Resmikan 15 Bank Sampah
Loan Perluas Ekosistem melalui Bullion di Padang
Pegadaian X Danamon Pioneering Social Services Pegadaian Opens 15 Waste Banks in
Loan Pegadaian Collaborates with Gold Padang
Producers to Expand the Ecosystem
through Bullion Services
April 2023 April 2023 Mei 2023
Rayakan HUT ke 122 Pegadaian Ajak Mudik Gratis, Aman dan Nyaman Pegadaian raih penghargaan
Bersatu Tumbuh Bersama bersama Pegadaian Indonesia Sharia Finance Award 2023
Celebrate 122nd Anniversary, Pegadaian Free, Safe and Comfortable Pegadaian won the Indonesia Sharia
Encourage to Unite to Grow Together Homecoming with Pegadaian Finance Award 2023
Juni 2023 Juni 2023 Juli 2023
Bank Sampah Binaan Pegadaian raih Pegadaian raih Predikat “Best Pegadaian Luncurkan Gadepreneur
Penghargaan KLHK Company to Work in Asia untuk Kembangkan UMKM
Pegadaian’s Waste Bank won KLHK Pegadaian won the title “Best Company Pegadaian Launched Gadepreneur to
Award to Work in Asia Develop MSMEs
24 Laporan Tahunan 2023 | PT Pegadaian
Page 25
Juli 2023 Agustus 2023 Agustus 2023
Pegadaian Berhasil Meraih HR Excellence Sukses! Pegadaian Media Awards 2023 Memiliki Reputasi Baik, Pegadaian Raih
Award 2023 Bertabur Hadiah Bagi Insan Media Penghargaan Corporate Reputation
Pegadaian Successfully Won the 2023 HR Success! Pegadaian Media Awards Awards 2023
Excellence Award 2023 is fulfilled with prizes for media Having a Good Reputation, Pegadaian
people Won the 2023 Corporate Reputation
Awards
Agustus 2023 Agustus 2023 September 2023
Pegadaian Peduli Generasi Emas Pegadaian Berangkatkan 145 Pegadaian Resmi Jadi Sponsor Utama
Paskibraka 2023 Karyawan Dengan Kinerja Terbaik “Pegadaian Liga 2 Musim 2023/2024”
Pegadaian Cares for the Golden untuk Wisata Religi Pegadaian Officially Became the Main
Generation of the flag-raising trop Pegadaian Dispatched 145 Employees Sponsor of “Pegadaian Liga 2 Season
(Paskibraka) 2023 with the Best Performance for Religious 2023/2024”
Tourism
September 2023 September 2023 September 2023
Tingkatkan Kepedulian Masyarakat Pegadaian Umumkan Pemenang Pegadaian Ajak Gen-Z melek Finansial
Terhadap Lingkungan, Pegadaian Kick Undian Pegadaian Poin 2023 Periode Melalui Web Series “Ali yang Terheran
Off Program Clean and Gold Movement Pertama Herman”
Increasing the Community Awareness Pegadaian Announced Winners of 2023 Pegadaian Invited Gen-Z to be
towards the Environment, Pegadaian First Period Pawnshop Points Draw Financially Literate Through the Web
Kick Off the Clean and Gold Movement Series “Ali yang Terheran Herman”
Program
PT Pegadaian | 2023 Annual Report 25
Page 26
Ikhtisar Kinerja
Performance Highlights
Oktober 2023 November 2023 November 2023
Holding Ultra Mikro BRI, Pegadaian Gigih Ciptakan Lingkungan Bersih, Pegadaian Resmikan The Gade Tower
dan PNM Ajak UMKM Bersatu Tumbuh Pegadaian Beri Penghargaan Untuk Berkonsep Green Building
Bersama Untuk Naik Kelas Bank Sampah Binaan Terbaik Se- Pegadaian Inaugurates The Gade Tower
Ultra Micro Holding BRI, Pegadaian and Indonesia with a Green Building Concept
PNM Invite MSMEs to Unite to Grow Persistent in Creating a Clean
Together to Upgrade Environment, Pegadaian Gives Awards to
the Best Waste Banks in Indonesia
Desember 2023
Konsisten Terapkan Tata Kelola
Perusahaan yang baik, PT Pegadaian
Raih Penghargaan The Most Trusted
Company di Indonesia
Consistently implementing good
corporate governance, PT Pegadaian
won the Most Trusted Company award in
Indonesia
26 Laporan Tahunan 2023 | PT Pegadaian
Page 27
Penghargaan dan Sertifikasi
Awards and Certifications
Penghargaan yang Diperoleh Perseroan di Tahun 2023
Awards Received by the Company in 2023
Tanggal Nama Penghargaan Diberikan Oleh
No.
Date Award Name Given by
1 15 January 2023 Indonesia Brand Champion Award 2023 Infobrand
January 15, 2023 Certificate of Appreciation As Brand
Champion Of The Year
2 31 Januari 2023 Indonesia Excellence Good Corporate Warta Ekonomi
January 31, 2023 Governance Ethics in Encouraging MSME
Growth
2 06 Maret 2023 The Best Transformation & Digital Innovation Digitech Award 2023
March 06, 2023 2023
3 09 Maret 2023 The Best Green Program 2023 La Tofi School of Social Responsibility
March 9, 2023
5 10 Maret 2023 BUMN Corporate Communication and Kementerian BUMN
March 10, 2023 Sustainability Summit (BCOMMS) Award Ministry of BUMN
Gold Winner pada Program MengEMASkan
Sampah
Gold Winner in the Waste Recycling
(MengEMASkan) Program
6 13 Maret 2023 Best Employer Brand on LinkedIn between LinkedIn Singapore
March 13, 2023 5000-10000 employees
7 17 March 2023 Kategori Terpopuler di Media Cetak dan PRIA Awards 2023
March 17, 2023 Online 2022 Sub Kategori Anak Usaha BUMN
8 17 March 2023 Bronze Winner Kategori Annual Report PRIA Awards 2023
March 17, 2023
9 17 March 2023 Silver Winner Kategori Departemen PR PRIA Awards 2023
March 17, 2023
10 17 March 2023 Silver Winner Kategori Manajemen Krisis PRIA Awards 2023
March 17, 2023 Subkategori Krisis & Pasca Krisis
11 25 March 2023 The Best IT Leadership 2023 (Financial Fordigi Itech
March 25, 2023 Industries)
12 25 March 2023 The Best IT Governance and The Best Digital Fordigi Itech
March 25, 2023 Workplace 2023
13 25 March 2023 The Best Transformation & Digital Innovation Fordigi Itech
March 25, 2023 2023
14 31 Mei 2023 Indonesia Customer Service Quality Award SWA
May 31, 2023 2023 Excellent Kategori Pawning Service
15 22 Juni 2023 Juara I BUMN Kategori B atas Belanja PADI
June 22, 2023 terbesar melalui PADI UMKM
PT Pegadaian | 2023 Annual Report 27
Page 28
Ikhtisar Kinerja
Performance Highlights
Tanggal Nama Penghargaan Diberikan Oleh
No.
Date Award Name Given by
16 7 June 2023 Top CSR Awards 2023 #Star 4 Top CSR Awards
June 7, 2023
17 27 Juni 2023 HR Asia Best Company To Work For in Asia HR Asia
June 27, 2023 2023
18 27 Juni 2023 HR Asia Most Caring Company Award HR Asia
June 27, 2023
19 6 Juli 2023 The Best Company in Executing Digital Kontan
July 6, 2023 Transformation in Services Industry
20 20 Juli 2023 HR Excellence Award 2023 Category SWA & LMFEB UI
July 20, 2023 Employer Branding & Talent Acquisition
21 25 July 2023 CSR Outlook Award Olah Karsa & IBCSD
July 25, 2023
22 27 Juli 2023 CSR Outlook 2023 PT Olahkarsa Inovasi Indonesia bekerjasama
July 27, 2023 Best Practice in Education dengan Indonesia Business Council For
Sustainable Development (IBCSD)
PT Olahkarsa Inovasi Indonesia in
collaboration with the Indonesia Business
Council For Sustainable Development
(IBCSD)
23 04 August 2023 Indonesia Corporate Reputation Award 2023 The Iconomic
August 04, 2023
24 19 Agustus 2023 Brandon Hall Group Award 2023 - Talent Brandon Hall Group USA
August 19, 2023 Management : Bronze Winner
25 19 Agustus 2023 Brandon Hall Group Award 2023 - Talent Brandon hall Group USA
August 19, 2023 Acquisition : Bronze Winner
26 19 Agustus 2023 Brandon Hall Group Award 2023 - Learning & Brandon hall Group USA
August 19, 2023 Development : Bronze Winner
27 22 September 2023 The Most Prominent State Owned Enterprise Prominent Award 2023
in Micro Finance Digital Transformation
28 26 September 2023 The Best Contact Center Indonesia 2023 Indonesia Contact Center Association
September 26, 2023
29 27 September 2023 The Best State-Owned Enterprise 2023 Infobrand
September 27, 2023
30 27 September 2023 Indonesia Best BUMN Award 2023 Growing Warta Ekonomi
September 27, 2023 Up Together in Transformative and
Innovative Era
31 27 September 2023 The Best Technology Innovation ICCA
September 27, 2023
32 28 Oktober 2023 The Best Sustainability Hub Best Sustainability Hub - La Tofi School of
October 28, 2023 Responsibility
33 08 November 2023 Best Digital Innovation And IOT Business Asia Indonesia
November 08, 2023 Implementation 2023 pada IDIA 2023
34 16 November 2023 Global Corporate Sustainable Award (GCSA) Alliance for Sustainable Development Goals
November 16, 2023 2023 kategori Best Practice pada program (ASDGs) bekerjasama dengan Taiwan
The Gade Intergated Farming (TGIF) institute Sustainable Energy (TAISE)
Global Corporate Sustainable Award (GCSE) Alliance for Sustainable Development Goals
2023, Best Practice category in The Gade (ASDGs) in collaboration with Taiwan Institute
Integrated Farming (TGIF) program Sustainable Energy (TAISE)
35 16 November 2023 Global Corporate Sustainable Award (GCSA) Alliance for Sustainable Development Goals
November 16, 2023 2023 kategori Best Practice pada program (ASDGs) bekerjasama dengan Taiwan
The Gade Clean and Gold institute Sustainable Energy (TAISE)
Global Corporate Sustainable Award (GCSA) Alliance for Sustainable Development Goals
2023, Best Practice category in The Gade (ASDGs) in collaboration with Taiwan Institute
Clean and Gold program Sustainable Energy (TAISE)
36 30 November 2023 Top BUMN Award Kategori The Best State Bisnis Indonesia
November 30, 2023 Owned Enterprise in 2023
37 30 November 2023 Penghargaan Platinum pada kategori QCC Wahana Kendali Mutu (WKM) bekerjasama
November 30, 2023 (Quality Control Circle) Aplikasi Pegadaian dengan Asosiasi Manajemen Mutu &
Peduli (MengEMASkan Sampah Untuk Produktivitas Indonesia
Indonesia) Quality Control Forum (WKM) in
Platinum Award in the QCC (Quality collaboration with the Indonesian Quality &
Control Circle) category, Pegadaian Peduli Productivity Management Association
Application (Recycling Waste for Indonesia)
38 21 Desember 2023 Indonesia Most Trusted Company The Indonesian Institute for Corporate
December 21, 2023 Berdasarkan Penilaian CGPI Governance (IICG)
Indonesia Most Trusted Company Based on
CGPI Assessment
28 Laporan Tahunan 2023 | PT Pegadaian
Page 29
Sertifikasi yang Masih Berlaku Hingga Tahun 2023
Certifications Still Valid Until 2023
Masa
Lembaga yang
Tahun Berlaku
Jenis Sertifikat Memberikan
Certification Type Perolehan Hingga Appreciator Institutions
Year Received Validity
Period
Sertifikasi Sistem Manajemen Anti Penyuapan (SMAP) ISO 2020 2023 British Standards
37001:2016 Pada Divisi Pengadaan dan Logistik Kantor Pusat PT Institution (BSI)
Pegadaian
ISO 37001:2016 Anti-Bribery Management System (SMAP)
Certification In the Procurement and Logistics Division of PT
Pegadaian Head Office
Sertifikasi Sistem Manajemen Anti Penyuapan (SMAP) ISO 2020 2023 British Standards
37001:2016 Pada Kantor Cabang Kebayoran Baru Institution (BSI)
ISO 37001:2016 Anti-Bribery Management System (SMAP)
Certification At the Kebayoran Baru Branch Office
Sertifikasi Sistem Manajemen Anti Penyuapan (SMAP) ISO 2021 2024 British Standards
37001:2016 Pada Kantor Wilayah IX Jakarta 2 Institution (BSI)
ISO 37001:2016 Anti-Bribery Management System (SMAP)
Certification At Regional Office IX Jakarta 2
Sertifikasi Sistem Manajemen Anti Penyuapan (SMAP) ISO 2021 2024 British Standards
37001:2016 Pada Kantor Cabang Syariah Kramat Raya Institution (BSI)
ISO 37001:2016 Anti-Bribery Management System (SMAP)
Certification At the Kramat Raya Sharia Branch Office
Sertifikasi Sistem Manajemen Anti Penyuapan (SMAP) ISO 2021 2024 British Standards
37001:2016 Pada Direktorat Sumber Daya Manusia Kantor Pusat Institution (BSI)
PT Pegadaian (Divisi Strategi Human Capital, Divisi Operasional
Human Capital, Divisi Budaya Kerja, Divisi Pegadaian Corporate
University)
ISO 37001:2016 Anti-Bribery Management System (SMAP)
Certification At the Human Resources Directorate of PT Pegadaian
Head Office (Human Capital Strategy Division, Human Capital
Operations Division, Work Culture Division, Pegadaian Corporate
University Division)
ISO 37001:2016 Sertifikat Sistem Manajemen Anti Penyuapan-The 2021 2024 British Standards
Provision of risk management, quality assurance, compliance, anti Institution (BSI)
money laundry & counter financing of terrorism, debt working
capital, promotion procurement, business support and internal
audit
ISO 37001:2016 Anti-Bribery Management System Certificate-The
Provision of risk management, quality assurance, compliance, anti-
money laundering & counter financing of terrorism, debt working
capital, promotion procurement, business support and internal
audit
ISO 27001:2013 Sertifikat Sistem Manajemen Keamanan Informasi 2022 2025 British Standards
(SMKI) Institution (BSI)
ISO 27001:2013 Information Security Management System (ISMS)
Certificate
Sertifikat Penghargaan Sistem Manajemen Keselamatan dan 2022 2025 Kementerian
Kesehatan Kerja Ketenagakerjaan
Occupational Health and Safety Management System Award Republik Indonesia
Certificate
Sertifikasi Sistem Manajemen Anti Penyuapan (SMAP) ISO 2023 2026 British Standards
37001:2016 Pada Kantor Wilayah II Pekanbaru Institution (BSI)
ISO 37001:2016 Anti-Bribery Management System (SMAP)
Certification At Pekanbaru Regional Office II
Sertifikasi Sistem Manajemen Anti Penyuapan (SMAP) ISO 2023 2026 British Standards
37001:2016 Institution (BSI)
Pada Kantor Wilayah III Palembang
ISO 37001:2016 Anti-Bribery Management System (SMAP)
Certification At Palembang Regional Office III
PT Pegadaian | 2023 Annual Report 29
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Ikhtisar Kinerja
Performance Highlights
Masa
Lembaga yang
Tahun Berlaku
Jenis Sertifikat Memberikan
Certification Type Perolehan Hingga Appreciator Institutions
Year Received Validity
Period
Sertifikasi Sistem Manajemen Anti Penyuapan (SMAP) ISO 2023 2026 British Standards
37001:2016 Pada Kantor Wilayah IV Balikpapan Institution (BSI)
ISO 37001:2016 Anti-Bribery Management System (SMAP)
Certification At Balikpapan Regional Office IV
Sertifikasi Sistem Manajemen Anti Penyuapan (SMAP) ISO 2023 2026 British Standards
37001:2016 Pada Kantor Wilayah V Manado Institution (BSI)
ISO 37001:2016 Anti-Bribery Management System (SMAP)
Certification At Manado Regional Office V
Sertifikasi Sistem Manajemen Anti Penyuapan (SMAP) ISO 2023 2026 British Standards
37001:2016 Pada Kantor Wilayah VI Makassar Institution (BSI)
ISO 37001:2016 Anti-Bribery Management System (SMAP)
Certification At Makassar Regional Office VI
Sertifikasi Sistem Manajemen Anti Penyuapan (SMAP) ISO 2023 2026 British Standards
37001:2016 Pada Kantor Wilayah VII Denpasar Institution (BSI)
ISO 37001:2016 Anti-Bribery Management System (SMAP)
Certification
At Denpasar Regional Office VII
Sertifikasi Sistem Manajemen Anti Penyuapan (SMAP) ISO 2023 2026 British Standards
37001:2016 Pada Kantor Wilayah X Bandung Institution (BSI)
ISO 37001:2016 Anti-Bribery Management System (SMAP)
Certification
At Bandung Regional Office X
Sertifikasi Sistem Manajemen Anti Penyuapan (SMAP) ISO 2023 2026 British Standards
37001:2016 Pada Kantor Wilayah XII Surabaya Institution (BSI)
ISO 37001:2016 Anti-Bribery Management System (SMAP)
Certification At Surabaya Regional Office XII
Sertifikasi Sistem Business Continuity Management System ISO 2022 2025 British Standards
22301:2019 Institution (BSI)
Sertifikasi IT Service Management ISO 20000 2023 2025 United Registrasi OF
System (URS)
IT Maturity Level Cobit 2019 2023 Mengikuti Mitratex
kebijakan
perseroan
dalam
melakukan
assessment
Follow
company
policy in
conducting
assessment
30 Laporan Tahunan 2023 | PT Pegadaian
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PT Pegadaian | 2023 Annual Report 31
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02
Laporan Manajemen
Management Report
Laporan Manajemen
Management Report
32 Laporan Tahunan 2023 | PT Pegadaian
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02 PT Pegadaian | 2023 Annual Report 33
Page 34
Laporan Manajemen Management Report Laporan Dewan Komisaris Board of Commissioners’ Report Loto Srinaita Ginting Komisaris Utama President Commissioner 34 Laporan Tahunan 2023 | PT Pegadaian
Page 35
Para Pemegang Saham dan Pemangku Kepentingan Dear Respected Shareholders and Stakeholders, yang Terhormat, Ijinkan kami mewakili segenap manajemen PT Allow us to represent the entire management of PT Pegadaian mengawali laporan ini dengan memanjatkan Pegadaian and begin this report by hailing gratitude puji syukur kepada Tuhan Yang Maha Esa. Laporan to the God Almighty. The report of the Board of Dewan Komisaris ini merupakan pokok-pokok Laporan Commissioners is a staple of the Supervisory Report Pengawasan terhadap operasional Perseroan di tahun on the Company’s operations in the 2023 financial buku 2023 terkait pencapaian kinerja usaha dalam year on the achievement of business performance merealisasikan peran strategisnya di industri gadai in realizing its strategic role in the Indonesian pawn Indonesia. Kehadiran kami sepenuhnya diarahkan service industry. Our presence is fully functioned in pada fungsi pengawasan yang senantiasa memastikan the supervisory role, ensuring that the Company’s bahwa kegiatan operasional Perseroan telah mengacu operational activities always refer to the business pada rencana bisnis yang ditetapkan dengan plan set with the principles of accountability, berprinsip pada akuntabilitas, profesionalisme, serta professionalism, and compliance with applicable laws kepatuhan terhadap peraturan perundang-undangan and regulations. yang berlaku. Perspektif Makroekonomi Macroeconomic Perspective Sampai akhir 2023, perekonomian global masih By the end of 2023, the global economy is still dibayangi ketidakpastian sebagai dampak belum overshadowed by uncertainty as a result of the ongoing berakhirnya konflik geopolitik kawasan. Ekonomi geopolitical conflicts in some regions. The economies negara-negara Eropa melemah dipicu oleh dampak of European countries weakened, due to the impact eskalasi ketegangan geopolitik khususnya antara of the escalating geopolitical tensions, especially Rusia dan Ukraina dan Kawasan Timur Tengah. Konflik between Russia and Ukraine, and the Middle East geopolitik kawasan tersebut telah menyebabkan region. Geopolitical conflict in the region has caused pasokan komoditas dan energi ke negara-negara commodity and energy supplies to European countries Eropa terhambat dan terganggunya supply chain hampered and disrupted the supply chain for several beberapa komoditas yang dibutuhkan industri. Di commodities that needed by several industries. On the sisi lain pertumbuhan ekonomi Amerika Serikat lebih other hand, economic growth in the United States was baik dari perkiraan semula yang dipengaruhi oleh better than previously estimated, which was influenced konsumsi yang membaik ditopang kenaikan upah by improved consumption and supported by rising dan pemanfaatan tabungan yang tinggi. Sementara wages and high utilization of savings. Meanwhile, itu, tekanan inflasi negara maju yang masih tinggi inflationary pressures in developed countries have PT Pegadaian | 2023 Annual Report 35
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Laporan Manajemen
Management Report
telah mendorong berlanjutnya kebijakan moneter di prompted the continuation of monetary policies in
negara maju untuk menaikkan tingkat suku bunganya, those countries to raise interest rates, including the
termasuk Amerika Serikat. Berbagai perkembangan United States. These various developments further
tersebut semakin meningkatkan ketidakpastian pasar increase global financial market uncertainty and
keuangan global dan mendorong aliran modal ke encourage more selective capital flows to developing
negara berkembang lebih selektif yang diiringi oleh countries, accompanied by increased pressure on
tekanan nilai tukar di negara berkembang meningkat, exchange rates in developing countries, leading to a
yang menyebabkan pelemahan nilai tukar mata uang weakening of developing countries’ currencies against
negara-negara berkembang terhadap mata uang those of developed countries.
negara-negara maju.
Meski dalam suasana perekonomian dunia yang Even though the world economy is full of uncertainty
penuh dengan ketidakpastian dan cenderung and tends to decline, the Indonesian economy remains
melambat, ekonomi Indonesia tetap bertahan resilient, supported by domestic demand as an antidote
dengan baik (resilient), yang ditopang permintaan for external challenges. With these developments,
domestik sebagai substitusi pelemahan eksternal. Indonesia’s economic growth in 2023 is predicted to
Dengan perkembangan tersebut, pertumbuhan remain at around 5%. Indonesia’s inflation is estimated
ekonomi Indonesia tahun 2023 diperkirakan masih to be under control at 2.61% (yoy) as of December
akan bertahan pada kisaran 5%. Inflasi Indonesia 2023, or much lower than the 2023 projection of 3.6%.
diperkirakan terkendali di level 2,61% (yoy) per This is influenced, among other things, by volatile food
Desember 2023, atau jauh lebih rendah dibandingkan inflation which is the main contributor to inflation,
proyeksi 2023 yang sebesar 3,6%. Hal tersebut antara such as rice, chilli, and garlic which also began to show
lain dipengaruhi inflasi volatile food yang menjadi a downward trend in December 2023, in addition to
kontributor utama inflasi seperti beras, cabai, dan Bank Indonesia’s policy of increasing the benchmark
bawang putih juga mulai menunjukkan tren menurun interest rate in October 2023 by 250 bps from 5.75%
di Desember 2023, di samping adanya kebijakan Bank to 6.0%.
Indonesia yang menaikkan tingkat suku bunga acuan
di bulan Oktober 2023 sebesar 250 bps dari sebesar
5,75% menjadi 6,0%.
Di sisi lain, peningkatan tingkat suku bunga acuan On the other hand, an increase in the benchmark
tersebut telah meningkatkan suku bunga pinjaman interest rate has escalated bank loan interest rates,
perbankan, yang menyebabkan Pegadaian tidak lagi which has caused Pegadaian to no longer enjoy
menikmati pendanaan dengan suku bunga murah funding at cheap interest rates. Hence, the Cost of
sehingga Cost of Funds (COF) terus merangkak naik Funds (COF) continues to climb, reaching 5.85% as of
hingga mencapai 5,85% s.d. Desember 2023. Kenaikan December 2023. An increase in COF has implications
COF ini berimbas pada kenaikan biaya bunga bagi of increasing interest costs for the Company, which
Perseroan, yang harus diantisipasi melalui strategi must be anticipated through an appropriate capital
permodalan yang tepat. strategy.
Pandangan Dewan Komisaris atas Views of the Board of Commissioners
Kinerja Direksi on the Performance of the Board of
Directors
Tahun 2023 merupakan tahun yang sangat menantang The year 2023 was a very challenging year for PT
bagi PT Pegadaian, tetapi Perseroan tetap melakukan Pegadaian. However, the Company continues to
beragam upaya untuk mencapai target yang telah make various efforts to achieve the set targets. The
ditetapkan. Dewan Komisaris memiliki tugas melakukan Board of Commissioners has the task of supervising
pengawasan dan pemberian nasihat kepada Direksi and providing advice to the Board of Directors on
atas pengurusan Perseroan. Pengawasan yang the management of the Company. Supervision by
dilakukan Dewan Komisaris antara lain dimaksudkan the Board of Commissioners is intended, among
agar tercipta kesesuaian dan konsistensi pelaksanaan other things, to create conformity and consistency
kegiatan usaha dengan Rencana Bisnis Perseroan, serta in the implementation of business activities with the
implementasi prinsip Good Corporate Governance Company’s Business Plan, as well as the implementation
(GCG) pada seluruh unit organisasi. of Good Corporate Governance (GCG) principles in all
organizational units.
36 Laporan Tahunan 2023 | PT Pegadaian
Page 37
Dewan Komisaris menilai Perseroan telah menjalankan The Board of Commissioners evaluates that the
bisnisnya sesuai dengan rencana kerja tahunan, visi Company has carried out its business under the
dan misi serta arahan strategis dari Pemegang Saham. annual work plan, vision and mission as well as
Melalui pengamatan cermat terhadap kondisi makro strategic direction from Shareholders. Through careful
ekonomi, perubahan lingkungan usaha serta perubahan observation of macroeconomic conditions, changes
perilaku dan kebutuhan konsumen, Perseroan cukup in the business environment, as well as changes in
mampu beradaptasi dan menerapkan strategi yang consumer behavior and needs, the Company is quite
relevan sesuai perkembangan terkini. capable of adapting and implementing relevant
strategies according to the latest developments.
Dewan Komisaris menekankan bahwa strategi yang The Board of Commissioners underscores the pivotal
tepat merupakan faktor yang dapat menentukan role of the right strategy formulation to determine the
keberhasilan Perseroan. Oleh karena itu, penyusunan Company’s success. Therefore, strategy arrangement
strategi perlu memerhatikan implementasinya di needs to pay attention to its implementation in the
tahun sebelumnya dan kondisi terkini agar strategi previous year and current conditions, hence, the
yang akan dijalankan pada tahun berikutnya berjalan strategy that will be implemented in the following
tepat sasaran. Melalui pemberian nasihat, Dewan year may work on point. Through providing advice, the
Komisaris turut berperan dalam penyusunan strategi Board of Commissioners plays a role in formulating
yang selanjutnya melakukan pengawasan terhadap strategies and then supervising the implementation of
implementasi atas strategi yang telah disusun oleh the strategies that have been prepared by the Board
Direksi. of Directors.
Dewan Komisaris menilai bahwa Direksi telah berupaya The Board of Commissioners considers that the
untuk tetap menjaga stabilitas Perseroan serta Board of Directors has made efforts to maintain
menjaga kepercayaan para pemangku kepentingan the Company’s stability and maintain stakeholders’
di tengah kondisi yang penuh tantangan di tahun trust amidst the challenging conditions in 2023. The
2023. Penilaian atas kinerja Direksi yang dilakukan performance assessment of the Board of Directors
Dewan Komisaris juga didasarkan pada arahan by the Board of Commissioners is also based on
pemegang saham yang tertuang melalui Rapat Umum shareholder directions stated in the General Meeting
Pemegang Saham (RUPS). Secara umum, Dewan of Shareholders (GMS). In general, the Board of
komisaris berpendapat pada tahun 2023 Direksi telah Commissioners believes that in 2023, the Board of
melaksanakan tugas kepengurusan Perseroan dengan Directors has conducted the Company’s management
sangat baik. duties very well.
Dewan Komisaris melakukan penilaian terhadap kinerja The Board of Commissioners evaluates the performance
Direksi yang meliputi aspek operasional, keuangan, of the Board of Directors, including operational, financial,
dan aspek-aspek lainnya yang berkaitan erat bagi and other aspects closely related to the sustainability of
keberlanjutan kegiatan usaha Perseroan. Dasar the Company’s business activities. The basis for the Board
penilaian Dewan Komisaris terhadap kinerja Direksi of Commissioners’ assessment of the performance of the
tentunya tidak terlepas dari tingkat keberhasilan Board of Directors is indeed inseparable from the level
Direksi dalam merealisasikan Key Performance of success of the Board of Directors in realizing the Key
Indicator (KPI) maupun RKAP PT Pegadaian tahun Performance Indicator (KPI) and RKAP of PT Pegadaian
2023 seperti yang dicanangkan pada awal tahun. for 2023 as planned at the beginning of the year.
Dewan Komisaris memberikan apresiasinya The Board of Commissioners would like to express
terhadap kinerja, komitmen, dan dedikasi yang telah appreciation for the performance, commitment, and
diperlihatkan Direksi sepanjang tahun 2023 serta dedication shown by the Board of Directors throughout
mengapresiasi upaya Direksi dan seluruh jajarannya 2023 and appreciates the efforts of the Board of
dalam mengantisipasi tantangan dan perkembangan Directors and all staff in anticipating future business
bisnis ke depan. Beberapa catatan penting terkait challenges and developments. Several important
kebijakan mendasar di tahun 2023 akan menjadi notes regarding fundamental policies in 2023 will
dasar bagi Dewan Komisaris untuk mendorong become the basis for the Board of Commissioners to
perkembangan Perseroan ke depan. encourage the Company’s future development.
PT Pegadaian | 2023 Annual Report 37
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Laporan Manajemen
Management Report
Mekanisme dan Frekuensi Pemberian Mechanism and Frequency of
Nasihat kepada Direksi Providing Advice to the Board of
Directors
Dewan Komisaris dapat memonitor langsung seluruh The Board of Commissioners can directly monitor all
aktivitas usaha dan memiliki hak akses ke manapun business activities and has access rights anywhere and
dan kapan pun. Dewan Komisaris berhak meminta at any time. The Board of Commissioners has the right
penjelasan dari seluruh anggota Direksi dan atau to request explanations from all members of the Board
Pejabat Perseroan mengenai hal-hal/masalah apa of Directors and/or Company Officials on any subject/
saja yang diperlukan dalam rangka melaksanakan problem required in order to implement their duties.
tugasnya. Sebaliknya, Dewan Komisaris juga terbuka On the other hand, the Board of Commissioners
dan bersedia untuk menerima seluruh elemen di is also open and willing to accept all elements of
Perseroan untuk berdiskusi/konsultasi terkait kegiatan the Company for discussion/consultation on PT
operasional dan kinerja PT Pegadaian. Dewan Komisaris Pegadaian’s operational activities and performance.
senantiasa menjalin hubungan kerja yang sangat baik The Board of Commissioners always maintains a very
dengan Direksi dan mengedepankan prinsip saling good working relationship with the Board of Directors
menghormati wewenang masing-masing pihak. and prioritizes the principle of mutual respect for the
authority of each party.
Sepanjang tahun 2023, Dewan Komisaris telah Throughout 2023, the Board of Commissioners has
melaksanakan rapat gabungan dengan mengundang held 12 (twelve) joint meetings with the Board of
Direksi sebanyak 12 (dua belas) kali, dengan tingkat Directors, with the overall attendance rate of the Board
kehadiran Dewan Komisaris dalam rapat secara of Commissioners at the meetings of 100%. Apart
keseluruhan adalah 100%. Selain forum rapat gabungan, from the joint meeting forum, the organs of the Board
organ Dewan Komisaris yaitu Komite Audit, Komite of Commissioners, namely the Audit Committee,
Nominasi dan Remunerasi, serta Komite Pemantau Nomination and Remuneration Committee, and
Risiko juga melakukan rapat dengan mengundang Risk Monitoring Committee, also hold meetings by
Direktorat dan Divisi terkait untuk membahas bidang- inviting relevant Directorates and Divisions to discuss
bidang yang menjadi tanggung jawab masing-masing the areas that fall under the respective Committees’
Komite. responsibilities.
Pandangan atas Prospek Usaha yang Views on Business Prospects
Disusun oleh Direksi Prepared by the Board of Directors
Seperti dikutip dari Laporan Kebijakan Moneter As cited from the Monetary Policy Report of Fourth
Triwulan IV 2023 yang dirilis oleh Bank Indonesia, Quarter 2023 released by Bank Indonesia, it states
menyatakan bahwa pertumbuhan ekonomi dunia that the world economic growth is slowing down
melambat dengan ketidakpastian pasar keuangan with financial market uncertainty easing. The global
yang mereda. Ekonomi global diprakirakan tumbuh economy is forecasted to grow by 3.0% in 2023 and
sebesar 3,0% pada 2023 dan melambat menjadi 2,8% to slow by 2.8% in 2024. The economies of the United
pada 2024. Ekonomi Amerika Serikat (AS) dan India States (US) and India remain strong, supported by
tetap kuat didukung konsumsi rumah tangga dan household consumption and investment. Meanwhile,
investasi. Sementara itu, ekonomi Tiongkok melambat China’s economy is slowing as household consumption
seiring dengan tetap lemahnya konsumsi rumah and investment remain weak as a result of the
tangga dan investasi sebagai dampak lanjutan dari weakening performance of the property sector, as well
pelemahan kinerja sektor properti, serta terbatasnya as a limited fiscal stimulus.
stimulus fiskal.
Penurunan inflasi di negara maju, termasuk AS, The decline in inflation in developed countries,
berlanjut, meski masih berada di atas sasaran, including the United States, continues, although it
sementara inflasi Tiongkok menurun dipengaruhi is still above the projection, while China’s inflation is
oleh pertumbuhan ekonomi yang melambat. Siklus decreasing due to the slowing of economic growth.
kenaikan suku bunga kebijakan moneter negara The cycle of increasing monetary policy interest rates
maju, termasuk Fed Funds Rate (FFR), diprakirakan in developed countries, including the Fed Funds Rate
telah berakhir meskipun masih bertahan tinggi pada (FFR), is predicted to have ended, although it will
semester I 2024, dengan kemungkinan akan mulai remain high in the first semester of 2024, with the
menurun pada semester II 2024. possibility that it will start to decline in the second
semester of 2024.
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Ke depan, beberapa risiko global tetap perlu Going forward, several global risks still need to
dicermati karena dapat memengaruhi ketidakpastian be monitored because they could influence world
perekonomian dunia, seperti berlanjutnya ketegangan economic uncertainty, such as ongoing geopolitical
geopolitik, pelemahan ekonomi di sejumlah negara tensions, economic weakening in major countries,
utama, termasuk Tiongkok, serta kepastian waktu including China, as well as the certainty of the timing
dan besarnya penurunan suku bunga moneter negara and magnitude of reductions in monetary interest
maju, khususnya FFR. rates in developed countries, especially the FFR.
Di sisi lain, pemulihan ekonomi Indonesia terus berlanjut On the other hand, Indonesia’s economic recovery
ditopang oleh permintaan domestik. Pertumbuhan continues to progress, supported by domestic
ekonomi 2023 diprakirakan dalam kisaran 4,5- demand. Economic growth in 2023 is predicted to be
5,3%, didorong oleh konsumsi dan investasi sejalan in the range of 4.5-5.3%, driven by consumption and
dengan akselerasi belanja Pemerintah pada akhir investment, which is in line with the acceleration of
tahun dan percepatan penyelesaian beberapa Proyek Government spending at the end of the year and the
Strategis Nasional (PSN). Pada 2024, pertumbuhan accelerated completion of several National Strategic
ekonomi diprakirakan meningkat dalam kisaran 4,7- Projects (PSN). In 2024, economic growth is predicted
5,5% didukung oleh permintaan domestik utamanya to increase in the range of 4.7-5.5%, supported by
berlanjutnya pertumbuhan konsumsi, termasuk domestic demand, particularly the continuation of
dampak positif penyelenggaraan pemilu, serta consumption growth, including the positive impact
peningkatan investasi khususnya bangunan sejalan of the election, as well as increased investment,
dengan berlanjutnya pembangunan PSN termasuk Ibu especially in construction that is in line with the
Kota Nusantara (IKN). ongoing development of PSN including the Nusantara
Capital City (IKN).
Dewan Komisaris memandang bahwa tahun 2024 The Board of Commissioners views 2024 will still
masih menjadi tahun yang penuh tantangan terutama be a year full of challenges, mainly due to the
dikarenakan ketidakpastian iklim ekonomi. Namun, uncertain economic climate. However, the Board
Dewan Komisaris berpendapat bahwa target-target of Commissioners views the targets and strategic
dan langkah strategis yang ditetapkan Direksi pada steps set by the Board of Directors in the 2024
RKAP 2024 merupakan target yang realistis dan sangat RKAP as realistic and highly achievable. Likewise, the
mungkin untuk direalisasikan. Demikian juga dengan strategies that will be implemented are in line with the
strategi yang akan dijalankan, telah sejalan dengan Company’s medium and long-term plans. Therefore,
rencana jangka menengah dan panjang Perseroan. the Board of Commissioners fully supports and will
Untuk itu, Dewan Komisaris sepenuhnya mendukung always provide support to ensure these targets are
dan senantiasa akan memberikan dukungan agar achieved successfully.
target-target tersebut dapat tercapai dengan baik.
Dewan Komisaris berkeyakinan iklim usaha yang The Board of Commissioners believes that the dynamic
selalu bergerak dinamis akan mampu dilalui dengan business climate can be navigated with optimism. In
penuh rasa optimisme. Secara garis besar, Dewan general, the Board of Commissioners views that the
Komisaris berpandangan bahwa prospek usaha yang business prospects that have been prepared by the
telah disusun oleh Direksi sebagaimana yang tertuang Board of Directors as stated in the Company’s work
dalam rencana kerja Perseroan untuk tahun 2024, plan for 2024, are quite satisfactory and in line with the
sudah cukup baik dan selaras dengan arah serta tujuan Company’s direction and objectives both in the short
Perseroan baik dalam jangka pendek maupun jangka and long term. The Board of Commissioners evaluates
panjang. Dewan Komisaris menilai prospek usaha yang that the business prospects prepared by the Board of
disusun Direksi, telah mempertimbangkan asumsi- Directors have taken into account assumptions in the
asumsi dalam makro ekonomi global dan nasional global and national macroeconomy in the future.
pada masa mendatang.
PT Pegadaian | 2023 Annual Report 39
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Laporan Manajemen Management Report Pandangan Dewan Komisaris Views of the Board of Commissioners Terhadap Governansi Perusahaan on Company Governance Dewan Komisaris senantiasa memonitor The Board of Commissioners constantly monitors the perkembangan penerapan tata kelola perusahaan development in the optimal framework of corporate secara optimal. Sebagai entitas usaha, PT Pegadaian governance implementation. As a business entity, memiliki komitmen yang tinggi untuk menerapkan PT Pegadaian is highly committed to implementing prinsip-prinsip GCG dengan tujuan untuk menjaga GCG principles to maintain sustainable business pertumbuhan bisnis yang berkesinambungan dalam growth in encountering increasingly dynamic business menghadapi persaingan bisnis yang semakin dinamis. competition. For this reason, GCG implementation Untuk itulah, penerapan GCG menjadi bagian dari is part of the Company’s strategic plan to achieve rencana strategis Perseroan untuk mewujudkan transparent, efficient, and responsible performance kinerja yang transparan, efisien dan bertanggung by increasing the principles of transparency, jawab dengan cara meningkatkan prinsip keterbukaan, accountability, liability, independence, and fairness. akuntabilitas, pertanggungjawaban, kemandirian, dan kewajaran. Pada prinsipnya pelaksanaan penerapan GCG di PT In principle, GCG implementation at PT Pegadaian is Pegadaian berjalan dengan baik dan dilaksanakan running well and conducted as a form of cooperation sebagai sebuah bentuk kerjasama antara Dewan among the Board of Commissioners, the Board of Komisaris, Direksi, dan seluruh karyawan dalam setiap Directors, and all employees in every activity to kegiatan dengan tujuan untuk melindungi kepentingan protect the interests of the Company, shareholders, Perseroan, shareholders dan stakeholders. Standar- and stakeholders. These standards regulate the role of standar tersebut mengatur peran Dewan Komisaris the Board of Commissioners in fulfilling its supervisory menjalankan fungsi pengawasannya untuk memastikan function to ensure that the management of the bahwa kepengurusan Perseroan dilaksanakan oleh Company by the Board of Directors is in accordance Direksi sesuai dengan peraturan perundangan yang with applicable laws and regulations and to provide berlaku dan memberikan nasihat/pendapat atas advice/opinions on strategic actions/activities that tindakan/kegiatan strategis yang akan dan telah will be and have been implemented by the Board dilaksanakan oleh Direksi secara hati-hati untuk of Directors carefully to achieve the Company’s mencapai tujuan Perseroan. objectives. Dalam pengelolaan sumber daya dan usaha, GCG In managing resources and business, GCG will also juga akan meningkatkan tanggung jawab manajemen increase management responsibility to shareholders, pada pemegang saham (shareholders), pemangku stakeholders, and accommodate various parties with kepentingan (stakeholders), serta mengakomodasi interest in the Company such as creditors, suppliers, berbagai pihak yang berkepentingan dengan business associations, consumers, workers, the Perseroan seperti kreditur, supplier, asosiasi usaha, Government, and public. konsumen, pekerja, Pemerintah dan masyarakat luas. Sebagai wujud dan kesadaran Perseroan terhadap As a form of the Company’s awareness of the urgency kebutuhan pengembangan etika dan Perilaku bersih to develop ethics and clean behavior, the Company’s maka Direksi dan Dewan Komisaris Perseroan Board of Directors and Board of Commissioners mengeluarkan Pedoman Sistem Pelaporan Pelanggaran issued a Guideline for the Whistleblowing System as sebagaimana ditetapkan dalam Peraturan Direksi No. stipulated in Regulation of the Board of Directors No. 26 Tahun 2018 tentang Pedoman Sistem Pelaporan 26 of 2018 concerning Guideline for the Whistleblowing Pelanggaran (Whistleblowing System/WBS) tanggal 5 System (WBS) dated December 5, 2018. Desember 2018. Dewan Komisaris senantiasa berperan dalam hal The Board of Commissioners always plays a role in pengawasan implementasi Whistleblowing System supervising the implementation of the Whistleblowing (WBS) di lingkungan Perseroan. Salah satunya System (WBS) within the Company. One of them is adalah memastikan bahwa sosialisasi WBS berjalan ensuring that WBS socialization runs well within PT dengan baik di lingkup PT Pegadaian. Sosialisasi Pegadaian. WBS socialization within the Company WBS di internal Perseroan disampaikan melalui media is delivered through internal media and direct internal dan presentasi langsung kepada unit kerja presentations to related work units, while for external 40 Laporan Tahunan 2023 | PT Pegadaian
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terkait, sedangkan untuk pihak eksternal media yang parties, the media used for socialization includes
digunakan untuk sosialisasi antara lain melalui website, website, email, and external Company activities.
email, dan kegiatan-kegiatan Perseroan yang bersifat
eksternal.
Selama tahun 2023, Dewan Komisaris turut terlibat Throughout 2023, the Board of Commissioners
dalam pengawasan implementasi pelaporan fraud was involved in monitoring the implementation of
yang telah berjalan, meliputi prosedur pencegahan, ongoing fraud reporting, including procedures for
deteksi dan identifikasi, investigasi dan pelaporan, prevention, detection and identification, investigation
hingga evaluasi dan tindak lanjut. Dewan Komisaris and reporting, as well as evaluation and follow-
mengevaluasi pelaksanaan WBS melalui rapat up. The Board of Commissioners evaluates WBS
internal maupun gabungan antar Dewan Komisaris, implementation through internal and joint meetings
Direksi maupun komite di bawah supervisi Dewan among the Board of Commissioners, Board of
Komisaris yang dilaksanakan secara berkala Directors, and committees under the supervision of
dan didokumentasikan sesuai dengan peraturan the Board of Commissioners, which are conducted
perundang-undangan yang berlaku. periodically and documented in accordance with
applicable laws and regulations.
Penilaian Kinerja Komite di Bawah Performance Assessment of
Dewan Komisaris Committees Under the Board of
Commissioners
Dukungan terhadap fungsi pengawasan Dewan Support for the supervisory function of the Board of
Komisaris dioptimalkan oleh dibentuknya 3 (tiga) Commissioners is optimized by the establishment of 3
komite di bawah Dewan Komisaris, yaitu Komite Audit, (three) committees under the Board of Commissioners,
Komite Pemantau Risiko, serta Komite Nominasi dan namely the Audit Committee, Risk Monitoring
Remunerasi. Keberadaan komite-komite tersebut Committee, and Nomination and Remuneration
telah sesuai dengan ketentuan-ketentuan yang Committee. The existence of these committees is
berlaku serta bertujuan untuk menyempurnakan under applicable regulations and aims to refine the
implementasi prinsip-prinsip GCG. Sejauh ini, Dewan implementation of GCG principles. So far, the Board
Komisaris menilai kinerja ketiga Komite tersebut of Commissioners has evaluated the performance of
cukup memuaskan karena senantiasa memberikan the three Committees as quite satisfactory because
feedback yang memadai kepada Dewan Komisaris dan they always provide adequate feedback to the Board
menjalankan tugas dan fungsi sesuai dengan Piagam of Commissioners and fulfill their duties and functions
Komite. in accordance with the Committee Charter.
Komite Audit merupakan organ pendukung Dewan The Audit Committee is a supporting organ for the
Komisaris yang bekerja secara kolektif guna Board of Commissioners that works collectively to
membantu Dewan Komisaris dalam melaksanakan assist the Board of Commissioners in implementing its
fungsi pengawasan, khususnya mengevaluasi laporan supervisory function, in particular evaluating reports
dari fungsi Audit Internal dan memberikan argumen from the Internal Audit function and providing basic
mendasar terkait pengendalian internal yang dijalankan arguments regarding internal control in all units of
di seluruh unit Perseroan. Komitmen Komite Audit the Company. The Audit Committee’s commitment
dijalankan dengan fokus pada efektivitas Corporate is carried out with a focus on the effectiveness
Governance, pengendalian internal, risks assessment, of Corporate Governance, internal control, risk
dan pengelolaan Perseroan secara keseluruhan.Dalam assessment, and overall management of the Company.
melaksanakan tugas dan tanggung jawabnya, Komite In carrying out its duties and responsibilities, the Audit
Audit telah mengadakan 50 (lima puluh) kali rapat Committee has held 50 (fifty) meetings during 2023.
selama tahun 2023.
Komite Pemantau Risiko merupakan komite yang The Risk Monitoring Committee is a committee formed
dibentuk oleh Dewan Komisaris dalam rangka by the Board of Commissioners to assist the Board
membantu Dewan Komisaris dalam menjalankan of Commissioners in implementing its risk monitoring
peran pemantauan risiko di Perseroan, terutama role in the Company, especially in terms of realizing the
dalam hal mewujudkan terlaksananya pengawasan implementation of supervision and monitoring of the
dan pemantauan terhadap pelaksanaan manajemen implementation of risk management in the Company,
risiko di Perseroan, meningkatkan kinerja, efektivitas improving the performance, effectiveness, and
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Laporan Manajemen
Management Report
dan kemandirian pemantauan risiko, serta memastikan independence of risk monitoring, as well as ensuring
kualitas pelaporan pemantauan manajemen risiko. monitoring quality of risk management reporting.
Selama tahun 2023, Komite Pemantau Risiko telah During 2023, the Risk Monitoring Committee has
menjalankan tugasnya berupa penyampaian laporan fulfilled its duties in the form of submitting reports on
atas aktivitasnya dan telah melaksanakan rapat its activities and has held 51 (fifty-one) meetings.
sebanyak 51 (lima puluh satu) kali.
Komite Nominasi dan Remunerasi merupakan komite The Nomination and Remuneration Committee is a
yang dibentuk oleh Dewan Komisaris dalam rangka committee formed by the Board of Commissioners
membantu Dewan Komisaris dalam menjalankan to assist the Board of Commissioners in carrying out
peran transparansi proses nominasi dan remunerasi di its role in the transparency of the nomination and
Perseroan, terutama dalam hal memastikan kepatuhan remuneration process in the Company, especially in
Perseroan terhadap undang-undang dan peraturan terms of ensuring the Company’s compliance with
terkait yang berlaku, mewujudkan terlaksananya applicable relevant laws and regulations, realizing the
transparansi proses nominasi dan remunerasi yang implementation of transparency in the good nomination
baik, meningkatkan kinerja, efektivitas dan kemandirian and remuneration process, improving performance,
nominasi dan remunerasi, dan memastikan kualitas effectiveness and independence of nomination and
pelaporan. Dalam melaksanakan tugas dan tanggung remuneration, as well as ensuring reporting quality. In
jawabnya, Komite Nominasi dan Remunerasi telah fulfilling its duties and responsibilities, the Nomination
mengadakan 49 (empat puluh sembilan) kali rapat and Remuneration Committee has held 49 (forty-nine)
selama tahun 2023. meetings during 2023.
Penilaian kinerja Komite Dewan Komisaris tersebut Performance assessment of the Committees of
dilakukan secara tertutup dengan metode pengisian the Board of Commissioners is conducted through
kuesioner oleh Dewan Komisaris dengan indikator/ closed assessment using a questionnaire method
kriteria penilaian, sebagai berikut: by the Board of Commissioners with the following
assessment indicators/criteria:
1. Kapabel dalam memberi solusi yang praktis 1. Capable of providing practical solutions to
terhadap permasalahan yang terjadi maupun problems that occur and meeting the Company’s
kebutuhan Perseroan di masa yang akan datang. needs in the future.
2. Proaktif dalam memberi saran dan pertimbangan 2. Proactive in providing applicable suggestions and
yang aplikatif kepada Dewan Komisaris maupun considerations to the Board of Commissioners and
Perseroan terutama saat dibutuhkan. the Company, especially when needed.
3. Cekatan dalam menindaklanjuti hal-hal krusial 3. Dexterous in following up on crucial subjects
yang sedang menjadi perhatian Dewan Komisaris concerned by the Board of Commissioners and the
maupun Perseroan. Company.
4. Konsisten dalam mengikuti dan menjalankan 4. Consistent in participating and carrying out the
keseluruhan program kerja, baik program kerja entire work program, both routine and incidental
rutin maupun insidentil, dengan baik dan benar. work program, properly and correctly.
5. Persisten dalam memahami karakteristik dan bisnis 5. Persistent in understanding the Company’s
Perseroan, misalnya: proses bisnis, produk gadai/ characteristics and business, for example: business
non-gadai, dan sistem manajemen. processes, pawn/non-pawn products, and
6. Tajam dalam mengidentifikasi permasalahan, management system.
menganalisis dan mengevaluasi opsi-opsi yang 6. Sharp in identifying problems, analyzing and
ada, serta mengantisipasi risiko yang mungkin evaluating existing options, and anticipating
timbul atas saran/solusi/rekomendasi yang risks arising from suggestions/solutions/
ditawarkan. recommendations offered.
7. Berintegritas dalam menjalankan peran dan 7. Showing integrity in carrying out roles and
tanggung jawab sebagai anggota Komite dengan responsibilities as a Committee member by
menjunjung tinggi nama baik Perseroan. upholding the Company’s reputation.
8. Berinisiatif dalam meningkatkan keahlian dan 8. Taking initiative in improving expertise and skills
keterampilan yang relevan dengan penugasan relevant to the duties as a Committee member.
sebagai anggota Komite.
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Selama tahun 2023, Dewan Komisaris menilai ketiga During 2023, the Board of Commissioners has
komite tersebut telah melaksanakan fungsinya assessed that the three committees had carried
dengan baik serta memberikan pendapat dan saran out their functions well and provided opinions and
kepada Dewan Komisaris dalam menjalankan fungsi suggestions to the Board of Commissioners in fulfilling
pengawasan terhadap pengelolaan Perseroan. their supervisory function over the management of
the Company.
Perubahan Komposisi Dewan Changes in the Composition of the
Komisaris Board of Commissioners
Selama tahun 2023, terdapat penambahan 1 (satu) In 2023, there was an addition of 1 (one) Independent
Komisaris Independen yaitu Muhammad Isnaini Commissioner, namely Muhammad Isnaini, who
yang diangkat pada 11 Oktober 2023 berdasarkan was appointed on October 11, 2023 based on the
Surat Keputusan Menteri BUMN No. SK-281/ Minister of State-Owned Enterprises Decree No. SK-
MBU/10/2023 dan No. 1068-DIR/HCB/10/2023 281/MBU/10/2023 and No. 1068-DIR/HCB/10/2023
tentang Pengangkatan Anggota Dewan Komisaris concerning the Appointment of Members of the
PT Pegadaian. Dengan demikian komposisi Dewan Board of Commissioners of PT Pegadaian. Thus, the
Komisaris per 31 Desember 2023 adalah sebagai composition of the Board of Commissioners as of
berikut: December 31, 2023 is as follows:
Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Name Position Basis of Appointment Term of Office Jabatan
Service Period
Loto Komisaris Utama Surat Keputusan Menteri BUMN No. SK-59/ 27 Februari 2020 - Ke-1
Srinaita President MBU/02/2020 tanggal 27 Februari 2020 RUPS Tahun 2025 1st
Ginting Commissioner Decree of the Minister of SOEs No. SK-59/ February 27, 2020
MBU/02/2020 dated February 27, 2020 – GMS in 2025
Umiyatun Komisaris Surat Keputusan Menteri BUMN dan Direktur 25 April 2022 - Ke-2
Hayati Commissioner Utama PT Bank Rakyat Indonesia, TBK. No. SK-105/ RUPS Tahun 2027 2nd
Triastuti MBU/04/2022, dan No. 0014-DIR/HCB/04/2022 April 25, 2022 –
tanggal 25 April 2022 GMS in 2027
Decree of the Minister of SOEs and the President
Director of PT Bank Rakyat Indonesia, TBK. No. SK-
105/MBU/04/2022, and No. 0014-DIR/HCB/04/2022
dated April 25, 2022
Sudarto Komisaris Surat Keputusan Menteri BUMN No. SK-248/ 17 Oktober 2019 - Ke-1
Commissioner MBU/10/2019 tanggal 17 Oktober 2019 RUPS Tahun 2024 1st
Decree of the Minister of SOEs No. SK-248/ October 17, 2019 –
MBU/10/2019 dated October 17, 2019 GMS in 2024
Rini Komisaris Surat Keputusan Menteri BUMN No. SK-14/ 9 Januari 2020 - Ke-1
Widyantini Commissioner MBU/01/2020 tanggal 9 Januari 2020 RUPS Tahun 2025 1st
Decree of the Minister of SOEs No. SK-14/ January 9, 2020 –
MBU/01/2020 dated January 9, 2020 GMS in 2025
Makmur Komisaris Surat Keputusan Menteri BUMN No. SK-59/ 27 Februari 2020 - Ke-1
Keliat Independen MBU/02/2020 tanggal 27 Februari 2020 RUPS Tahun 2025 1st
Independent Decree of the Minister of SOEs No. SK-59/ February 27, 2020
Commissioner MBU/02/2020 dated February 27, 2020 – GMS in 2025
Nezar Komisaris Surat Keputusan Menteri BUMN dan Direktur 25 April 2022 - Ke-1
Patria Independen Utama PT Bank Rakyat Indonesia, Tbk. No. SK-105/ RUPS Tahun 2027 1st
Independent MBU/04/2022, dan No. 0014-DIR/HCB/04/2022 April 25, 2022 –
Commissioner tanggal 25 April 2022 GMS in 2027
Decree of the Minister of SOEs and the President
Director of PT Bank Rakyat Indonesia, Tbk. No. SK-
105/MBU/04/2022, and No. 0014-DIR/HCB/04/2022
dated April 25, 2022
Yudi Komisaris Surat Keputusan Menteri BUMN dan Direktur 25 April 2022 - Ke-1
Priambodo Independen Utama PT Bank Rakyat Indonesia, Tbk. No. SK-105/ RUPS Tahun 2027 1st
P. Independent MBU/04/2022, dan No. 0014-DIR/HCB/04/2022 April 25, 2022 –
Commissioner tanggal 25 April 2022 GMS in 2027
Decree of the Minister of SOEs and the President
Director of PT Bank Rakyat Indonesia, Tbk. No. SK-
105/MBU/04/2022, and No. 0014-DIR/HCB/04/2022
dated April 25, 2022
Muhammad Komisaris Surat Keputusan Menteri BUMN No. SK-281/ 11 Oktober 2023 – Ke-1
Isnaini* Independen MBU/10/2023 dan No. 1068-DIR/HCB/10/2023 RUPS Tahun 2028 1st
Independent Decree of the Minister of SOEs No. SK-281/ October 11, 2023 –
Commissioner MBU/10/2023 and No. 1068-DIR/HCB/10/2023 GMS in 2028
* Efektif setelah ada surat persetujuan OJK
* Effective after obtaining approval letter from OJK
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Management Report
Penutup Final Appreciation
Atas seluruh capaian Perseroan selama tahun For all of the Company’s achievements during 2023,
2023, Kami, selaku Dewan Komisaris PT Pegadaian we, as the Board of Commissioners of PT Pegadaian,
menyampaikan apresiasi dan penghargaan atas would like to express our appreciation and gratitude
semangat, dedikasi dan pengabdian segenap for the enthusiasm and dedication of the Board of
jajaran Direksi, Manajemen dan Karyawan dalam Directors, Management and Employees in realizing the
merealisasikan capaian kinerja Perseroan. Tak lupa Company’s performance achievements. The Board of
Dewan Komisaris juga mengucapkan terima kasih Commissioners would also like to thank Shareholders,
kepada Pemegang Saham, konsumen atau pelanggan, consumers/ customers, business partners, and
mitra bisnis, pemangku kepentingan lainnya atas other stakeholders for their trust in supporting the
kepercayaannya dalam mendukung kelangsungan sustainability of the business.
usaha.
Jakarta, Maret/March 2024
Loto Srinaita Ginting
Komisaris Utama
President Commissioner
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Laporan Manajemen Management Report Laporan Direksi Board of Directors’ Report Damar Latri Setiawan Direktur Utama President Director 46 Laporan Tahunan 2023 | PT Pegadaian
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Para Pemegang Saham dan Pemangku Kepentingan Dear Respected Shareholders and Stakeholders, yang Terhormat, Di sepanjang tahun 2023, PT Pegadaian terus Throughout 2023, PT Pegadaian continued to mengoptimalkan kapasitas dan perannya dalam optimize its capacity and role in achieving better meraih pencapaian kerja yang lebih baik di tengah work achievements amidst challenging global kondisi perekonomian global yang penuh tantangan. economic conditions. These efforts are based on the Upaya tersebut dilandasi oleh pemahaman dan Company’s understanding and belief, which interprets keyakinan Perseroan yang memaknai kinerja dan performance and hard work as a form of responsibility kerja keras sebagai wujud tanggung jawab terhadap for the loyalty and trust given by all stakeholders. loyalitas dan kepercayaan yang diberikan oleh The publication of the Annual Report for the 2023 segenap pemangku kepentingan. Penerbitan Laporan financial year is a proof of the Company’s commitment Tahunan untuk tahun buku 2023 merupakan bukti to implementing accountability and responsibility to komitmen Perseroan dalam penerapan akuntabilitas shareholders and other stakeholders, which refers to dan tanggung jawab kepada pemegang saham dan the business plan determined based on the principles pemangku kepentingan lainnya yang mengacu pada of accountability, professionalism, and compliance rencana bisnis yang ditetapkan dengan berprinsip with applicable laws and regulations. Furthermore, pada akuntabilitas, profesionalisme, serta kepatuhan please allow us as the Board of Directors to convey terhadap peraturan perundang-undangan yang the management of the Company in the 2023 financial berlaku. Selanjutnya perkenankanlah kami selaku year. Direksi untuk menyampaikan pengelolaan Perseroan di tahun buku 2023. Ulasan Makro Ekonomi dan Segmen Macro Economic and Industry Industri Segment Review Ekonomi Global Global Economy Dikutip dari Laporan Perekonomian Bank Indonesia Excerpted from the 2023 Economic Report of Bank tahun 2023, pertumbuhan ekonomi global melambat Indonesia, global economic growth slowed down dengan ketidakpastian yang semakin meningkat. amidst increasing uncertainty. After recording a high Setelah mencatat pertumbuhan tinggi sebesar 3,5% growth of 3.5% in 2022, global economic growth in pada 2022, pertumbuhan ekonomi dunia pada 2023 2023 is projected to decline to 3.0% and continue diperkirakan turun ke 3,0% dan terus melambat to slow down to 2.8% in 2024. Global economic menjadi 2,8% pada 2024. Kinerja ekonomi global performance in 2023 showed the divergence in growth pada 2023 menampakkan divergensi pertumbuhan that occurs between developed countries, especially yang terjadi antara negara maju, terutama Amerika the United States (US), which has relatively high Serikat (AS) yang tumbuh relatif tinggi, dengan growth, with EMDE countries experiencing decline and negara-negara EMDEs yang mengalami penurunan stagnation. Economic growth in developed countries dan stagnasi. Pertumbuhan ekonomi negara maju is predicted to decline from 1.6% in 2023 to 1.4% in diprakirakan akan turun dari 1,6% pada 2023 menjadi 2024 before increasing to 1.7% in 2025. Meanwhile, 1,4% pada 2024 sebelum meningkat menjadi 1,7% growth in EMDEs decrease from 4.0% in 2023 to PT Pegadaian | 2023 Annual Report 47
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Laporan Manajemen Management Report pada 2025. Sementara pertumbuhan negara EMDEs 3.8% in 2024 and remain stagnant at 3.8% in 2025. In akan turun dari 4,0% pada 2023 menjadi 3,8% pada developed countries, economic growth is driven by 2024 dan stagnan 3,8% pada 2025. Di negara maju, the United States (US), which grew relatively high of pertumbuhan ekonomi didorong oleh Amerika Serikat 2.3% in 2023, supported by household consumption (AS) yang tumbuh relatif tinggi yaitu 2,3% pada 2023, and the domestic-oriented service sectors. ditopang oleh konsumsi rumah tangga dan sektor jasa yang berorientasi domestik. Sementara itu, ekonomi Tiongkok melemah seiring Meanwhile, China’s economy weakened along with dengan konsumsi rumah tangga dan penurunan kinerja household consumption and declining performance in sektor properti. India menjadi salah satu pusat ekonomi the property sector. India is one of the world’s economic dunia, dengan pertumbuhan 6,7% pada 2023 menjadi centers, with growth of 6.7% in 2023, declining to 5,8% pada 2024 dan kembali meningkat ke 6,0% pada 5.8% in 2024, and increasing again to 6.0% in 2025. 2025. Negara ASEAN-5 juga menunjukkan kinerja The ASEAN-5 countries also show relatively good yang cukup baik, dengan prakiraan pertumbuhan 4,4% performance, with a growth forecast of 4.4% in 2023 pada 2023 dan 2024, serta meningkat menjadi 4,6% and 2024, and increasing to 4.6% in 2025. In addition pada 2025. Di samping tetap kuatnya permintaan to the continued strength of domestic demand, growth domestik, pertumbuhan India dan ASEAN-5 juga in India and ASEAN-5 is also supported by trade and didukung oleh kebijakan perdagangan dan investasi investment policies that remain open amidst ongoing yang tetap terbuka di tengah fragmentasi geopolitik geopolitical fragmentation. yang berlanjut. Ekonomi Indonesia Indonesia’s Economy Di sisi lain, pertumbuhan ekonomi Indonesia 2023 On the other hand, Indonesia’s economic growth in tetap kuat di tengah perlambatan ekonomi global. Hal 2023 remained strong amidst the global economic ini didorong oleh peningkatan permintaan domestik slowdown, driven by increased domestic demand dan kinerja ekspor yang terus positif. Pertumbuhan and continued positive export performance. Export ekspor didukung oleh permintaan kuat dari mitra growth was supported by strong demand from key perdagangan utama. Indonesia sendiri menikmati trading partners. Indonesia itself enjoys a “surplus” “surplus” pada kenaikan harga beberapa komoditas. due to rising prices of several commodities. Household Konsumsi rumah tangga meningkat seiring dengan consumption increased along with increased mobility peningkatan mobilitas dan daya beli yang meningkat, and increased purchasing power, as well as decreased serta penurunan inflasi. Kinerja Neraca Pembayaran inflation. The performance of Indonesia’s Balance of Indonesia (NPI) mendukung tetap terjaganya stabilitas Payments (NPI) supports the maintenance of external eksternal. Penguatan nilai tukar Rupiah berlanjut stability. The strengthening of the Rupiah exchange sejalan dengan konsistensi kebijakan moneter Bank rate continued in line with the consistency of Bank Indonesia dan mulai meredanya ketidakpastian pasar Indonesia’s monetary policy and the global financial keuangan global. market uncertainty began to ease. Berdasarkan Lapangan Usaha (LU), kinerja Based on the Business Fields (LU), the economic perekonomian terutama didorong oleh Perdagangan performance is mainly driven by Wholesale and Retail Besar dan Eceran, Industri Pengolahan, serta Konstruksi. Trade, Manufacturing Industry, and Construction. Bank Bank Indonesia memperkirakan pertumbuhan ekonomi Indonesia estimates that economic growth in 2023 2023 berada dalam kisaran 4,5-5,3%. Pada 2024, was in the range of 4.5-5.3%. In 2024, consumption kinerja konsumsi, baik swasta maupun Pemerintah, performance, both private and Government, and dan investasi diperkirakan terus meningkat sejalan investment are expected to continue to increase in dengan keyakinan konsumsi masyarakat yang line with the strong public consumption confidence, tetap kuat, dampak positif pelaksanaan Pemilu, positive impact of the election, and sustainability of serta keberlanjutan pembangunan Proyek Strategis the National Strategic Project (PSN) development. Nasional (PSN). Dari segi inflasi, Indonesia pada tahun 2023 terbilang In terms of inflation, in 2023, Indonesia managed to dapat mengendalikan tingkat inflasi yang turun secara control the inflation rate, which was gradually declined. bertahap. Pada kuartal kedua tahun 2023, inflasi turun In the second quarter of 2023, inflation declined to 4,0% (yoy) dimana pada tahun sebelumnya berapa 4.0% (yoy), compared to the previous year’s highest pada level tertinggi di 5,6% (yoy) pada Q4 tahun 2022. level of 5.6% (yoy) in Q4 2022. However, the high 48 Laporan Tahunan 2023 | PT Pegadaian
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Akan tetapi, tingkat inflasi yang tinggi di Indonesia inflation rate in Indonesia itself is still dominated by sendiri masih didominasi pada Indonesia bagian timur. the eastern part of Indonesia. The Eastern Indonesia Wilayah Indonesia Timur yang mengalami tingkat regions experiencing high inflation rates are East Nusa inflasi tinggi yaitu pada Nusa Tenggara Timur, Sulawesi Tenggara, North Sulawesi, Maluku, West Papua, and Utara, Maluku, Papua Barat, dan Sulawesi Barat. West Sulawesi. The increase in inflation was caused by Kenaikan inflasi tersebut disebabkan oleh kenaikan the rise in air transportation fares and several increases tarif angkutan udara dan beberapa kenaikan harga in food prices due to weather/ climate disruptions and pangan karena gangguan cuaca/iklim dan gelombang sea waves, which can affect the logistics costs for some laut sehingga hal ini mampu mempengaruhi tingkat staple goods and other commodities. Meanwhile, the biaya logistik untuk beberapa bahan pokok dan inflation rate in the Java region is heading towards a lainnya. Sedangkan tingkat inflasi pada wilayah Jawa much more stable level. sudah menuju pada tingkat inflasi yang jauh lebih stabil. Segmen Industri Industry Segment Pegadaian merupakan lembaga keuangan yang Pegadaian is a financial institution that has provided memberikan jasa gadai terbesar di Indonesia selama the largest pawn services in Indonesia for more than lebih dari 120 tahun. Kompetitor Pegadaian secara 120 years. Pegadaian’s competitors directly come from langsung berasal dari perusahaan pergadaian swasta, private pawn companies, including Sharia banking, termasuk perbankan syariah yang menawarkan produk which offers gold pawn products. This was triggered gadai emas. Hal ini dipicu oleh regulasi dari OJK yang by regulations from OJK, which allowed private pawn memperbolehkan perusahaan pergadaian swasta companies to offer pawn services to the public. Based untuk menawarkan layanan gadai kepada masyarakat. on statistics from Indonesian pawn companies, in Berdasarkan statistik perusahaan pergadaian November 2023, there were 153 industrial units, and Indonesia pada bulan November 2023 sebanyak the credit disbursed grew by 19% (yoy). Substitute 153 unit industri dan kredit yang disalurkan tumbuh service products from pawn services include the multi- 19% (yoy). Produk layanan substitusi dari pegadaian finance and banking industries, which grew 14.92% diantaranya industri multifinance dan perbankan yang (yoy) and 8.99% (yoy) in September 2023. tumbuh 14,92 % (yoy) dan 8,99% (yoy) pada bulan September 2023. Kendala yang Dihadapi dan Challenges and Solutions Penanganannya Iklim perekonomian makro maupun mikro di sepanjang The macro and micro economic climate throughout tahun 2023 bergerak secara dinamis, hal tersebut 2023 moved dynamically, creating its own challenges menimbulkan tantangan tersendiri selaras dengan in line with the impact of corporate performance on dampak kinerja korporasi pada masing-masing each business segment, including the pawn business segmen usaha, tak terkecuali segmen usaha gadai di segment in Indonesia. Indonesia. Beberapa kendala yang dihadapi oleh PT Pegadaian di Some of the challenges faced by PT Pegadaian in tahun 2023 antara lain: 2023 include: 1. Source of Fund 1. Source of Fund Mitra bank terus menaikkan rate hingga batas Bank partners continued to increase their rates to bawah menyebabkan Cost of Funds (COF) naik the lower limit, causing the Cost of Funds (COF) signifikan hingga level 6.00-6.25 dari 4.00 di tahun to rise significantly to the level of 6.00-6.25 from sebelumnya. 4.00 in the previous year. 2. Gap-to-entering New Business 2. Gap-to-entering New Business Hal ini bertujuan untuk Perseroan memasuki bisnis This aims to allow the Company to enter new baru diluar Gadai. Selain itu juga untuk mewujudkan businesses outside Gadai. Additionally, to realize visi baru Pegadaian yaitu terdapat kapabilitas baru Pegadaian’s new vision, every organ of the yang harus dimiliki oleh setiap organ Perseroan. Company must possess new capabilities. PT Pegadaian | 2023 Annual Report 49
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3. Post-holding Integration 3. Post-holding Integration
Dalam holding Ultra Mikro banyak potential benefit In Ultra Micro holding, there are many potential
yang belum dimaksimalkan. Hal tersebut akan benefits that have not been maximized. This
terlaksana melalui integrasi menyeluruh terutama will be achieved through comprehensive
aspek optimalisasi jaringan/channel. integration, especially aspects of network/channel
optimization.
4. Regulasi Pergadaian 4. Pawn Regulations
OJK akan mengeluarkan POJK yang menjadi OJK will issue POJK which will be a new challenge
tantangan baru bagi Perseroan. POJK Pergadaian for the Company. POJK on Pawn provides
memberikan kemudahan izin usaha gadai swasta convenience for private pawn business permits at
di tingkat regional, koperasi diperbolehkan regional level, cooperatives are allowed to provide
menyalurkan jasa layanan gadai, Investor asing pawn services, and foreign investors are allowed to
boleh turut meramaikan industri pergadaian di participate in the pawn industry in Indonesia.
Indonesia.
5. Tight Competition in Industries 5. Tight Competition in Industries
Pertumbuhan kredit di Industri Pergadaian secara Credit growth in the Pawn Industry yoy as of
yoy September 2023 (17%) unggul tipis dengan September 2023 (17%) is slightly surpasses that of
industri P2P fintech (14%) dan industri multifinance. the P2P fintech industry (14%) and the multi-finance
industry.
6. Rapid Growth of Technologies 6. Rapid Growth of Technologies
Perkembangan teknologi yang cepat berubah Technological developments are rapidly changing
dan mengubah customer behaviour sehingga customer behaviour, requiring rapid adaptation in
dibutuhkan adaptasi yang cepat dari sisi teknologi terms of technology and services.
dan layanan.
Guna menjamin inisiatif strategis yang selaras To ensure strategic initiatives aligned with the
dengan pencapaian shareholder’s aspiration dan achievement of shareholder’s aspirations and RJP,
RJP, digunakan skema business strategy map yang a business strategy map scheme is used, depicting
menggambarkan fokus strategi dan fokus lead the strategic focus and lead indicator focus of the
indicator kinerja Perseroan yang selaras dengan Company’s performance aligned with the G-STAR+
strategi G-STAR+ dalam RJPP 2020-2024. Dengan strategy in the 2020-2024 RJPP. Amidst global and
dilatarbelakangi ketidakpastian ekonomi global national economic uncertainties, the spirit of economic
dan nasional, semangat pemulihan ekonomi di era recovery in the pandemic era, as well as ultra-micro
pandemi, serta sinergi ekosistem ultra mikro, maka ecosystem synergy, in 2023, the Company chose the
pada tahun 2023 Perseroan memilih tema “Growing theme “Growing Stronger: Increasing Business Scale
Stronger: Peningkatan Skala Bisnis melalui Integrated through the Integrated Financial & Gold Ecosystem,”
Financial & Gold Ecosystem”, dengan fokus Annual with the focus on the 2023 Annual Thematic which
Thematic 2023 yang menitikberatkan pada: emphasizing on:
1. Rapid Growth sebagai strategi bisnis yang meliputi: 1. Rapid Growth as a business strategy which
includes:
a. Retention (Rollover): Fokus strategi untuk scale a. Retention (Rollover): Focus strategy to scale
up pelanggan menjadi Customer Loyalty dan up customers to become Customer Loyalty and
mencegah mereka beralih ke kompetitor. prevent them from switching to competitors.
b. Acquisition (New Customer): Fokus strategi b. Acquisition (New Customer): Strategic focus
untuk mengakuisisi pelanggan melalui market on acquiring customers through market
penetration, market development, product penetration, market development, product
development atau diversification. development or diversification.
c. Booster (Scale-up B2B): Fokus strategi untuk c. Booster (Scale-up B2B): Strategic focus for
percepatan bisnis melalui program Cross business acceleration through the Cross Selling
Selling. Sinergi dengan mitra strategis dan program. Synergy with strategic partners and
Customer Experience. Customer Experience.
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2. Enabler Business sebagai strategi supporting dari 2. Enabler Business as a supporting strategy for
bisnis yang meliputi: business which includes:
a. Productivity Accelerator: Fokus strategi a. Productivity Accelerator: Strategic focus on
peningkatan produktivitas SDM dan Tekonologi increasing HR productivity and Information
Informasi sebagai accelerator pertumbuhan Technology as accelerator for business growth
bisnis melalui process improvement. through process improvement.
b. Risk Mitigation: Fokus strategi untuk b. Risk Mitigation: Strategic focus on improving the
meningkatkan kualitas aset produktif serta quality of productive assets and as accelerator
sebagai accelerator peningkatan peluang bisnis for increasing business opportunities through
melalui proses identifikasi risiko. the risk identification process.
c. Sustainable Resilience: Fokus strategi c. Sustainable Resilience: Strategic focus
prioritisasi keberlanjutan bisnis dengan on prioritizing business sustainability by
meningkatkan ketahanan bisnis, lingkungan, increasing business, environmental, social and
sosial dan tata kelola. governance resilience.
Peran Direksi dalam Penerapan The Role of the Board of Directors in
Kebijakan Strategis Implementing Strategic Policy
Berdasarkan kondisi di atas, Direksi beserta jajaran Based on the aforementioned conditions, the Board
senantiasa berkomitmen untuk fokus terhadap Annual of Directors, along with the management team always
Thematic Perseroan dalam rangka mencapai target committed to focusing on the Company’s Annual
yang telah ditetapkan pada tahun 2023 dengan 5 Thematic to achieve the targets that have been set
sasaran objective yaitu peningkatan nasabah aktif, in 2023 with 5 objective targets, namely increasing
peningkatan OSL Aktif, penurunan NPL, Efisiensi active customers, increasing Active OSL, reducing
BOPO, serta peningkatan laba. Kemudian, 2 Fokus NPL, BOPO efficiency, and increasing profits. Then,
Annual Thematic telah dilakukan proses alignment the 2 Annual Thematic Focuses have implemented an
melalui house of strategy, sebagaimana dideskripsikan alignment process through the house of strategy, as
pada grafis di bawah ini: described in the graphic below:
Our Roadmap RJPP 2022-2023
Elevate
Growing Stronger:
Peningkatan skala bisnis melalui Integrated Financial & Gold Ecosystem
Our Annual Thematic RKAP 2023
Increasing business scale through the Integrated Financial & Gold Ecosystem
Nasabah
Customer
OSL NPL BOPO Laba
Profit
Our Objective’s RKAP 2023
Rapid Growth (Business Strategy)
Our Business
Our Focus Strategy RKAP 2023
Strategic Initiative’s RKAP 2023
Fokus strategi untuk scale up pelanggan Fokus strategi untuk mengakuisisi Fokus strategi untuk percepatan bisnis
menjadi Customer Loyalty dan mencegah pelanggan melalui market penetration, melalui program Cross Selling. Sinergi 1. Penguatan Bisnis Inti (Retention)
mereka beralih ke competitor market development, product development dengan mitra strategis dan Customer 2. Perluasan Bisnis Syariah (Acquisition)
Focus strategy to scale up customers to atau diversification Experience. 3. Monoline Business Model (Acquisition)
become Customer Loyalty and prevent Focus strategy on acquiring customers Strategic focus for business acceleration 4. New Revenue Stream (Acquisition)
them from switching to competitors through market penetration, market through the Cross Selling program. Synergy 5. Market Penetration (Booster)
development, product development or with strategic partners and Customer 6. Penguatan Channel & Layanan (Acquisition)
Retention (Rollover) diversification Experience. 1. Strengthening Core Business (Retention)
2. Sharia Business Expansion (Acquisition)
Acquisition (New Customer) Booster (Scale-up B2B) 3. Monoline Business Model (Acquisition)
4. New Revenue Stream (Acquisition)
5. Market Penetration (Booster)
6. Strengthening Channels & Services (Acquisition)
Rapid Growth (Business Strategy)
Our Supporting
Productivity Accelerator Risk Mitigation Sustainable Resilience
Strategic Initiative’s RKAP 2023
Fokus strategi peningkatan Fokus strategi untuk meningkatkan Fokus strategi prioritisasi
produktivitas SDM dan Teknologi kualitas asset produktif serta sebagai keberlanjutan bisnis dengan 1. Use-case Analytic (Productivity Accelerator)
Informasi sebagai accelerator accelerator peningkatan peluang meningkatkan ketahanan bisnis, 2. Sustainable Finance (Sustainable Resilience)
pertumbuhan bisnis melalui process bisnis melalui prosesi identifikasi lingkungan, sosial, dan tata kelola 3. Peningkatan Kualitas Kredit (Risk Mitigation)
improvement risiko Focus on prioritizing business 4. Penguatan Brigade Madani (Productivity Accelerator)
Focus on strategy to increase Focus strategy to improve the sustainability strategy by increasing 5. Scale Up Human Capital (Productivity Accelerator)
HR productivity and Information quality of productive assets and business, environmental, social and 6. Enhance Integrated IT (Productivity Accelerator)
Technology as accelerator for act as accelerator for increasing governance resilience 7. Integrated Govermance, Risk & Compliance (Sustainable Resilience)
business growth through process business opportunities through risk 8. Work Process Automation (Productivity Accelerator)
improvement identification process 1. Use-case Analytic (Productivity Accelerator)
2. Sustainable Finance (Sustainable Resilience)
3. Improving Credit Quality (Risk Mitigation)
4. Strengthening the Brigade Madani (Productivity Accelerator)
5. Scale Up Human Capital (Productivity Accelerator)
6. Enhance Integrated IT (Productivity Accelerator)
7. Integrated Governance, Risk & Compliance (Sustainable Resilience)
8. Work Process Automation (Productivity Accelerator)
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Grafis di atas merupakan rangkaian end-to-end The graphic above is a series of end-to-end corporate
strategi korporasi yang memuat: strategies, which include:
1. Aspek-aspek yang melatarbelakangi penyusunan 1. The aspects underlying the formulation of the
strategi, seperti aspek ekonomi, bisnis, operasional, strategy, such as economic, business, operational,
teknologi, dan sumber daya manusia. technological, and human resources aspects.
2. Prioritas Kementerian BUMN yakni Nilai Ekonomi 2. The priorities of the Ministry of SOEs, such as
& Sosial untuk Indonesia, Inovasi Model Bisnis, Economic & Social Value for Indonesia, Business
Kepemimpinan Teknologi, Peningkatan Investasi, Model Innovation, Technological Leadership,
Pengembangan Talenta, dan ditambah dengan Increased Investment, Talent Development, as
unsur yang juga menjadi perhatian manajemen well as elements that are also of concern to
dan pemegang saham yakni Good Corporate management and shareholders, namely Good
Governance (GCG). Corporate Governance (GCG).
3. 14 Inisiatif Strategis yang menjadi upaya atau cara 3. The 14 Strategic Initiatives as the Company’s efforts
Perseroan untuk mewujudkan target kinerja tahun or ways to realize its 2023 performance targets,
2023, yang mengacu pada keenam prioritas BUMN referring to the six SOEs priorities and also the
dan juga fokus annual thematic tahun 2023. Ke-14 annual thematic focus for 2023. The 14 Strategic
Inisiatif Strategis tersebut antara lain: Initiatives include:
• Penguatan Bisnis Inti meliputi penguatan • Strengthening the Core Business includes
produk/fitur dan proses bisnis, berorientasi strengthening products/features and business
pada peningkatan kinerja bisnis Konvensial. processes, oriented towards improving
conventional business performance.
• Perluasan Bisnis Syariah meliputi • Sharia Business Expansion includes product/
pengembangan produk/fitur dan proses bisnis, feature and business process development,
berorientasi pada peningkatan kinerja bisnis oriented towards improving Sharia business
Syariah. performance.
• Monoline Business Model meliputi peningkatan • Monoline Business Model includes increasing
portofolio dan skala bisnis Mikro melalui the portfolio and scale of the Micro business
alignment produk dengan Grup Holding. through product alignment with the Holding
Group.
• New Revenue Stream meliputi perluasan/ • New Revenue Stream includes expansion/
eksplorasi bisnis baru untuk mendapatkan exploration of new businesses to obtain
new potential market melalui pengembangan new potential markets through new product
produk baru dan inorganic growth. development and inorganic growth.
• Penetrasi Pasar Korporasi melalui peningkatan • Corporate Market Penetration by increasing
penetrasi pasar korporasi (B2B) dengan corporate market penetration (B2B) with
program kelembagaan dan penyelarasan institutional programs and business process
proses bisnis. alignment.
• Penguatan Channel & Layanan meliputi • Strengthening Channels & Services includes
penguatan jaringan fisik & digital dengan bisnis strengthening physical & digital networks with
model improvement untuk meningkatkan business model improvements to increase
service excellence kepada customer. customer service excellence.
• Use-case Analytic melalui pengembangan • Use-case Analytics through the development of
use-case Big Data Analytic untuk mendukung use-case Big Data Analytic to support business
kebutuhan bisnis dan Mitigasi Risiko untuk needs and Risk Mitigation.
mendukung kebutuhan bisnis dan Mitigasi
Risiko.
• Sustainable Finance meliputi fokus • Sustainable Finance includes focus on
pertumbuhan berkelanjutan melalui sustainable growth through economic, social
penyelarasan ekonomi, sosial, dan lingkungan and environmental harmonization.
hidup.
• Peningkatan Kualitas Kredit meliputi fokus • Improving Credit Quality includes focus on
menjaga dan menyehatkan kualitas kredit maintaining and improving credit quality end-
secara end-to-end (front end, middle end, back to-end (front end, middle end, back end).
end).
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• Penguatan Brigade Madani melalui peningkatan • Strengthening the Brigade Madani by increasing
produktivitas 3 entitas dengan mendorong the productivity of 3 entities by promoting the
internalisasi culture activation program. internalization of the culture activation program.
• Scale Up Human Capital meliputi peningkatan • Scale Up Human Capital includes increasing
kapabilitas dan kompetensi untuk capabilities and competencies to improve talent
meningkatkan talent & produktivitas SDM. and productivity of human resources.
• Enhance Integrated IT meliputi penyelarasan • Enhance Integrated IT includes aligning and
dan penguatan fungsi TI dengan transformasi strengthening IT functions with business
bisnis dan Grup Holding. transformation and the Holding Group.
• Integrated GRC melalui program peningkatan • Integrated GRC through a program to improve
tata kelola manajemen risiko, kepatuhan untuk risk management governance, compliance for
value added Perseroan. value-added to the Company.
• Work Process Automation meliputi fokus • Work Process Automation includes focusing
efisiensi proses kerja dan mereduksi error on workflow efficiency and reducing errors for
untuk percepatan bisnis & operasional. business and operational acceleration.
4. Goals atau tujuan yang ingin dicapai, serta menjadi 4. Goals or objectives to be achieved, as well as the
fokus sasaran seluruh elemen Perseroan dalam target focus for all elements of the Company in the
tahun berjalan, yakni nasabah aktif, OSL aktif, NPL, current year, namely active customers, active OSL,
BOPO dan Laba. NPL, BOPO, and Profit.
Kinerja Tahun 2023 dan Performance in 2023 and Its
Perbandingannya terhadap Target Comparison to Targets
Sepanjang tahun 2023 iklim usaha nasional memang Throughout 2023, the national business climate
dipenuhi dengan berbagai tantangan, tetapi hal itu tak was filled with various challenges, but this did not
menyurutkan kinerja usaha Perseroan yang senantiasa discourage the Company’s business performance, which
bergerak positif. Segenap manajemen berhasil continues to move positively. The entire management
menerapkan strategi dan inisiatif yang tepat sehingga succeeded in implementing the right strategies and
Perseroan berhasil membukukan pencapaian secara initiatives, enabling the Company to achieve optimal
optimal dan berkelanjutan. Dalam penetapan RKAP, and sustainable performance. In determining the
PT Pegadaian senantiasa memperkuat fondasi bisnis RKAP, PT Pegadaian always strengthens its business
melalui kebijakan strategis yang tepat sasaran. Di foundation through targeted strategic policies. In 2023,
tahun 2023, PT Pegadaian merencanakan perolehan PT Pegadaian plans to acquire several substantial
dari beberapa komponen substansial sebagai tolak components as a benchmark for assessing the
ukur dalam menilai kinerja Perseroan. Perbandingan Company’s performance. The comparison between
antara rencana dan realisasi adalah sebagai berikut: plans and realization is as follows:
Aset Assets
Per 31 Desember 2023, Perseroan membukukan As of December 31, 2023, the Company recorded
jumlah aset sebesar Rp82.585.431 juta, mengalami total assets of Rp82,585,431 million, an increase of
peningkatan Rp9.255.641 juta atau 12,62% dibanding Rp9,255,641 million or 12.62% compared to 2022 of
tahun 2022 yang sebesar Rp73.329.790 juta. Rp73,329,790 million. The increase in the Company’s
Peningkatan jumlah aset Perseroan disebabkan oleh total assets was due to a 14.53% growth in current
pertumbuhan aset lancar sebesar 14,53% yang di assets supported by loans. The Acquisition of the
topang oleh pinjaman yang diberikan. Perolehan aset Company’s assets was contributed by current assets
Perseroan dikontribusikan dari aset lancar sebesar of Rp68,514,279 million or equivalent to 82.96% of
Rp68.514.279 juta atau setara dengan 82,96% dari total assets, and non-current assets of Rp14,071,152
jumlah aset, dan aset tidak lancar sebesar Rp14.071.152 million or equivalent to 17.04%.
juta atau setara dengan 17,04%.
Pendapatan Usaha Operating Revenue
Di tahun 2023, Perseroan membukukan pendapatan In 2023, the Company recorded operating revenue
usaha sebesar Rp24.433.794 juta, meningkat of Rp24,433,794 million, an increase of Rp1,557,208
Rp1.557.208 juta atau 6,81% dari tahun 2022 yang sebesar million or 6.81% from 2022 of Rp22,876,587 million.
Rp22.876.587 juta. Kontribusi utama Pendapatan usaha The main contribution to the Company’s operating
Perseroan tahun 2023 masih didominasi Pendapatan revenue in 2023 is still dominated by interest
sewa modal dan administrasi yang mengalami kenaikan and administration revenues, which increased by
sebesar Rp1.624.423 juta atau tumbuh 11,31%. Rp1,624,423 million or grew 11.31%.
PT Pegadaian | 2023 Annual Report 53
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Laporan Manajemen Management Report Laba (Rugi) Bersih Tahun Berjalan Net Profit (Loss) for the Current Year Per 31 Desember 2023, Perseroan membukukan laba As of December 31, 2023, the Company recorded a net bersih periode berjalan sebesar Rp4.376.677 juta, profit for the current period of Rp4,376,677 million, an mengalami peningkatan Rp1.077.732 juta atau 32,67% increase of Rp1,077,732 million or 32.67% compared to dibanding tahun 2022 yang sebesar Rp3.289.945 juta. Rp3,289,945 million in 2022. Perbandingan antara target dan pencapaian tersebut The comparison between targets and achievements is menjadi salah satu gambaran yang dipertimbangkan one of the illustrations to be considered in formulating dalam penyusunan target dan strategi bisnis ke depan. future business targets and strategies. Supported by Didukung oleh kapasitas serta prospek yang dimiliki, its capacity and prospects, the Company is optimistic Perseroan optimis untuk dapat meraih kinerja unggul about achieving sustainable excellent performance in secara berkelanjutan di masa mendatang. the future. Analisis tentang Prospek Usaha Analysis of Business Prospects Perekonomian global diprediksi akan terus mengalami The global economy is predicted to continue to perlambatan akibat masih terdapatnya risiko experience slowdowns due to ongoing risks of peningkatan tensi geopolitik di Eropa Timur dan Timur increased geopolitical tensions in Eastern Europe and Tengah. Dampaknya masih sangat dirasakan oleh the Middle East. The impact is still being felt by various berbagai negara dimana tingkat inflasi masih belum countries where the inflation rate has yet to reach the mencapai angka yang diharapkan. Namun, Pemerintah expected levels. However, through various policies, the Republik Indonesia melalui berbagai kebijakan yang Government of the Republic of Indonesia has achieved mampu memberikan hasil lebih baik pada beberapa better results on several macroeconomic indicators, indikator ekonomi makro dibandingkan beberapa such as economic growth and inflation, compared to negara lain seperti pertumbuhan ekonomi dan inflasi. several other countries. Semangat Pemerintah untuk memastikan The Government’s determination to ensure economic keberlangsungan pertumbuhan ekonomi di tengah growth amidst global uncertainty is an example of ketidakpastian global tersebut menjadi contoh how PT Pegadaian seized the opportunities amidst bagaimana pemanfaatan peluang di tengah tantangan challenges, without exception. Furthermore, the harus dilakukan tanpa terkecuali oleh PT Pegadaian. commitment to remain relevant to the developments Bahkan, semangat untuk terus relevan dengan and dynamics of the external environment has driven perkembangan dan dinamika lingkungan eksternal the Government to promote the National Long-Term mendorong pemerintah mengusung Rencana Development Plan through the vision of Indonesia Pembangunan Jangka Panjang Nasional melalui visi Emas 2045. As an initial step before entering the Indonesia Emas 2045. Sebagai tahap awal sebelum phase towards Indonesia Emas 2045, the Government masuk ke dalam fase menuju Indonesia Emas 2045, has projected economic growth for 2024 at 5.2 pemerintah menyampaikan proyeksi pertumbuhan percent. These assumptions have of course taken into ekonomi tahun 2024 berada di level 5,2 persen. account various dynamics of the global and national Asumsi tersebut tentunya telah mempertimbangkan economies, risks of uncertainty, the level of adaptation berbagai dinamika ekonomi global dan nasional, risiko of all sectors to respond to economic changes, and the ketidakpastian, dan juga tingkat adaptasi seluruh ongoing development agenda. sektor industri dalam merespon perubahan kondisi ekonomi, serta agenda pembangunan yang masih harus terus berjalan. Disamping itu, dengan optimalisasi pemanfaatan Furthermore, by optimizing the synergy utilization sinergi holding Ultra Mikro yang meliputi 3 entitas of the Ultra Micro holding which includes 3 entities (BRI, Pegadaian dan PNM) semakin memperkuat (BRI, Pegadaian and PNM), it will further strengthen kinerja bisnis dan keuangan masing-masing entitas the business and financial performance of each entity. sehingga tahun 2024 menjadi momentum terbaik bagi Therefore, 2024 will be the best momentum for the Perseroan untuk bertransformasi lebih baik dan tetap Company to transform better and remain relevant relevan dengan perkembangan lingkungan eksternal. to developments in the external environment. The Lanskap industri keuangan yang semakin luas dengan expanding financial industry landscape with the adanya Pengembangan dan Penguatan Sektor Development and Strengthening of the Financial Keuangan (P2SK) merupakan peluang bagi Perseroan Sector (P2SK) is an opportunity for the Company to 54 Laporan Tahunan 2023 | PT Pegadaian
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untuk mengakselerasi pertumbuhan kinerja bisnis accelerate the growth of its business and financial
dan keuangan Perseroan melalui pengembangan performance through developing capabilities and new
kapabilitas dan segmen bisnis baru. business segments.
Fokus Inisiatif Strategis Bisnis Focus of the Company’s Strategic
Perseroan di 2024 Business Initiatives in 2024
Pada penyusunan RKAP 2024, penentuan program In preparing the 2024 RKAP, the determination of
kerja pada setiap Direktorat/Divisi telah dilakukan work programs for each Directorate/Division has
validasi dan integrasi kesesuaiannya dengan been validated and integrated to align with the
shareholders aspiration dari Kementerian BUMN shareholders’ aspirations from the Ministry of SOEs
dan PT Bank Rakyat Indonesia Tbk. Inisiatif strategis and PT Bank Rakyat Indonesia Tbk. Strategic initiatives
menggunakan skema business strategy map yang use a business strategy map scheme, which describes
menggambarkan strategi bisnis, strategi supporting business strategies, supporting strategies, and lead
beserta lead indicator kinerja Perseroan yang selaras indicators for Company performance that align with
dengan visi dan misi Perseroan. the Company’s vision and mission.
Inisiatif Strategis yang dikelompokan dalam G7- The Strategic Initiatives grouped in G7-STAR are
STAR diharapkan dapat membawa Perseroan dalam expected to lead the Company to achieve the
mencapai target yang telah ditetapkan pada tahun targets set in 2024 with 5 objective targets, namely
2024 dengan 5 sasaran objective yaitu peningkatan increasing active customers, increasing Active OSL,
nasabah aktif, peningkatan OSL Aktif, penurunan NPL, reducing NPL, BOPO efficiency, and increasing profits.
Efisiensi BOPO, serta peningkatan laba. Kemudian, Then, strategic initiatives consisting of business and
inisiatif strategis yang terdiri dari strategi bisnis dan supporting strategies have been carried out in an
supporting telah dilakukan proses alignment melalui alignment process through the house of strategy, as
house of strategy, sebagaimana dideskripsikan described in the figure below:
Gambar di bawah ini:
Pursue
Tema/Theme RKAP 2024:
Maximizing Financial Ecosystem & Establish New Business Capabilities
Nasabah OSL NPL BOPO Laba
Customer Profit
Grow Core Go Further Go Together Grab New
1. Sales Model Analytic
2. Brand Repositioning 5. Peningkatan Agent’s 6. Penguatan Sinergi Holding 7. Bullion Services
3. Modernisasi Business Model Capability Strengthening Holding 8. Akselarasi Pegadaian Group
Business Model Increasing Agent’s Synergies Pegadaian Group
Modernization Capability Acceleration
4. Brand Transformation
9. Attract, Retain & High Perform HC 11. Peningkatan Arsitektur IT 14. Culture Transformation
10. Integrated & Lean HC Improving IT Architecture 15. Penguatan Risk Foundation
12. Next-Gen Data Management Strengthening the Risk Foundation
13. Penguatan Pegadaian Digital 16. Reshaping ESG Compliance
Strengthening Pegadaian Digital
Groom Talent Gen-Z Tech Great Culture & GCG
House of Strategy RKAP 2024
PT Pegadaian | 2023 Annual Report 55
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Laporan Manajemen
Management Report
Perkembangan Penerapan Tata Kelola Development in the Implementation
Perusahaan of Corporate Governance
PT Pegadaian senantiasa melakukan evaluasi PT Pegadaian constantly evaluates the development
atas perkembangan praktik governansi korporat of corporate governance practices as a commitment
sebagai komitmen untuk terus berinovasi dalam to continue to innovate in refining the implementation
menyempurnakan penerapan governansi di lingkup of governance within the Company’s organizational
keorganisasian Perseroan. Pegadaian mempercayai scope. Pegadaian believes that the implementation of
bahwa penerapan governansi korporat mendorong corporate governance encourages strength in facing
kekuatan dalam menghadapi setiap tantangan ke every future challenges and becomes a business entity
depan dan menjadi entitas usaha dengan kompetensi with competitive competency.
yang kompetitif.
Penerapan Tata Kelola Perusahaan yang baik di The implementation of good corporate governance
PT Pegadaian selaras dengan Pedoman Umum at PT Pegadaian is in line with the 2021 Indonesian
Governansi Korporat Indonesia (PUGKI) Tahun 2021 General Guidelines for Corporate Governance (PUGKI)
yang diterbitkan oleh Komite Nasional Kebijakan published by the National Committee on Governance
Governance (KKNG) melalui penerapan prinsip Policy (KKNG) through the implementation of
governansi korporat berlandaskan pada 4 (empat) corporate governance principles based on 4 (four)
pilar, yaitu Perilaku Beretika, Akuntabilitas, Transparan, pillars, namely Ethical Behavior, Accountability,
dan Keberlanjutan. Transparency, and Sustainability.
Selain penerapan pilar-pilar tersebut, Perseroan Other than the implementation of these pillars, the
juga menerapkan 8 (delapan) prinsip governansi Company also implements 8 (eight) principles of
korporat yang berisi hak-hak pemegang saham, corporate governance which encompass the rights
pemangku kepentingan dan pemenuhannya, aturan of shareholders, stakeholders and their fulfillment,
pokok tentang pengelolaan, serta pengawasan atas fundamental rules on management, as well as supervision
pengelolaan korporasi di Indonesia, termasuk aspek over corporate management in Indonesia, including
etika, manajemen risiko, dan pengungkapan. Prinsip- ethical aspects, risk management, and disclosure. These
prinsip tersebut terbagi dalam 3 (tiga) kelompok, principles are divided into 3 (three) groups:
yakni: 1. The first, second and third groups of principles
1. Kelompok prinsip pertama, kedua, dan ketiga are principles that regulate the management
adalah prinsip yang mengatur fungsi pengurusan and supervision functions of corporations,
dan pengawasan korporasi, yaitu Direksi dan namely the Board of Directors and the Board of
Dewan Komisaris; Commissioners;
2. Kelompok prinsip keempat, kelima, dan keenam 2. The fourth, fifth and sixth groups of principles are
adalah prinsip yang mengatur proses dan keluaran principles that regulate the processes and outputs
yang dihasilkan oleh Direksi dan Dewan Komisaris; produced by the Board of Directors and the Board
3. Kelompok prinsip ketujuh dan kedelapan adalah of Commissioners;
prinsip yang mengatur pemilik sumberdaya, yang 3. The seventh and eighth groups of principles are
terutama akan menerima manfaat dari pelaksanaan principles that regulate resource owners, who
governansi korporat. will primarily benefit from the implementation of
corporate governance.
Tujuan Perseroan dalam penerapan governansi The Company’s objectives in implementing corporate
korporat mengacu pada Peraturan Menteri Badan governance refer to the Regulation of the Minister of
Usaha Milik Negara Nomor PER-2/MBU/03/2023 SOEs No. PER-2/MBU/03/2023 concerning Guidelines
tentang Pedoman Tata Kelola dan Kegiatan Korporasi for Governance and Significant Corporate Activities of
Signifikan Badan Usaha Milik Negara, yakni: State-Owned Enterprises, namely:
1. Mengoptimalkan nilai Perseroan agar Perseroan 1. Optimizing the value of the Company hence,
memiliki daya saing yang kuat, baik secara the Company has strong competitiveness, both
nasional maupun internasional, sehingga mampu nationally and internationally, enabling it to sustain
mempertahankan keberadaannya dan hidup its existence and achieve sustainable growth to
berkelanjutan untuk mencapai maksud dan tujuan achieve the Company’s aims and objectives.
Perseroan.
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2. Mendorong pengelolaan Perseroan secara 2. Encouraging professional, efficient, and effective
profesional, efisien, dan efektif, serta management of the Company, empowering its
memberdayakan fungsi dan meningkatkan functions, and increasing the independence of the
kemandirian organ Perseroan. Company’s organs.
3. Mendorong agar organ Perseroan dalam membuat 3. Encouraging the Company’s organs to make
keputusan dan menjalankan tindakan dilandasi decisions and take actions based on high moral
nilai moral yang tinggi dan kepatuhan terhadap values and compliance with laws and regulations,
peraturan perundang-undangan, serta kesadaran as well as awareness of the Company’s social
akan adanya tanggung jawab sosial Perseroan responsibility towards stakeholders and
terhadap pemangku kepentingan maupun environmental sustainability around the Company.
kelestarian lingkungan di sekitar Perseroan. 4. Enhancing the Company’s contribution to the
4. Meningkatkan kontribusi Perseroan dalam national economy.
perekonomian nasional. 5. Improving conducive climate for the development
5. Meningkatkan iklim yang kondusif bagi of national investment through the Company’s
perkembangan investasi nasional melalui kinerja optimal performance.
optimal Perseroan.
Perubahan Komposisi Direksi Changes in Composition of the Board
of Directors
Komposisi Direksi ditetapkan agar dapat memudahkan The composition of the Board of Directors is
kemungkinan pengambilan keputusan secara efektif, determined to facilitate effective, accurate, and
tepat dan cepat, serta dapat bertindak independen. prompt decision-making as well as being able to
Selama tahun 2023, komposisi Direksi Perseroan act independently. During 2023, the composition
mengalami 1 (satu) kali perubahan berdasarkan of the Company’s Board of Directors underwent 1
Surat Keputusan Keputusan Menteri BUMN dan (one) change based on the Decree of the Minister of
Direktur Utama Perusahaan (Persero) PT Bank Rakyat SOEs and the President Director of PT Bank Rakyat
Indonesia Tbk No. SK-164/MBU/06/2023 & 0629- Indonesia (Persero) Tbk No. SK-164/MBU/06/2023
DIR/HCB/06/2023, Keputusan Menteri BUMN dan & 0629-DIR/HCB/06/2023, Decree of the Minister
Direktur Utama Perusahaan (Persero) PT Bank Rakyat of SOEs and President Director of PT Bank Rakyat
Indonesia Tbk No. SK-164/MBU/06/2023 & 0629-DIR/ Indonesia (Persero) Tbk No. SK-164/MBU/06/2023 &
HCB/06/2023, dan Keputusan Menteri BUMN dan 0629-DIR/HCB/06/2023, and Decree of the Minister
Direktur Utama Perusahaan (Persero) PT Bank Rakyat of SOEs and the President Director of PT Bank Rakyat
Indonesia, Tbk. No. SK-104/MBU/04/2022 dan No. Indonesia (Persero) Tbk. No. SK-104/MBU/04/2022
0013-DIR/HCB/04/2022. and No. 0013-DIR/HCB/04/2022.
Adapun kronologis perubahan susunan Direksi per 31 The chronology of changes to the composition of
Desember 2023, sebagai berikut: the Board of Directors as of December 31, 2023 is as
follows:
Kronologi Perubahan Susunan Direksi di Sepanjang Tahun 2023
Chronology of Changes in the Composition of the Board of Directors Throughout 2023
Direksi yang Baru
Direksi yang Berhenti Menjabat Keterangan
Directors Ceased to Serve Menjabat Description
Newly Appointed Directors
Ferdian Timur Satyagraha Dialihkan penugasan menjadi Direktur Keuangan dan
Direktur Keuangan dan Manajemen Perencanaan Strategis sejak 23 Juni 2023
Risiko Transferred to the position of Director of Finance
Director of Finance and Risk and Strategic Planning since June 23, 2023
Management
Udin Salahudin Diangkat menjadi Direktur Manajemen Risiko, Legal,
Direktur Manajemen Risiko, dan Kepatuhan sejak tanggal 23 Juni 2023
Legal, dan Kepatuhan Appointed as Director of Risk Management, Legal
Director of Risk Management, and Compliance since June 23, 2023
Legal and Compliance
PT Pegadaian | 2023 Annual Report 57
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Laporan Manajemen
Management Report
Kronologi Perubahan Susunan Direksi di Sepanjang Tahun 2023
Chronology of Changes in the Composition of the Board of Directors Throughout 2023
Direksi yang Baru
Direksi yang Berhenti Menjabat Keterangan
Directors Ceased to Serve Menjabat Description
Newly Appointed Directors
Ridwan Arbian Syah Diberhentikan dengan hormat sejak tanggal 23 Juni
Direktur Human Capital, Legal, dan 2023
Compliance Honorably dismissed from June 23, 2023
Director of Human Capital, Legal and
Compliance
E.R.A. Taufiq Diangkat menjadi Direktur Human Capital sejak
Direktur Human Capital tanggal 23 Juni 2023
Director of Human Capital Appointed as Director of Human Capital since June
23, 2023
Susunan Direksi per 31 Desember 2023
Composition of the Board of Directors as of December 31, 2023
Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan Jabatan
Name Position Basis of Appointment Term of Office Service
Period
Damar Latri Direktur Utama Surat Keputusan Menteri BUMN No. SK-177/ 22 Agustus 2022 - Ke-2
Setiawan President MBU/08/2022 dan Keputusan Direktur Utama BRI No. RUPS Tahun 2027 Second
Director 1389-DIR/CSC/08/2022 August 22, 2022 –
Decree of the Minister of State-Owned Enterprises No. GMS in 2027
SK-177/MBU/08/2022 and Decree of BRI President
Director No. 1389-DIR/CSC/08/2022
Teguh Direktur Surat Keputusan Menteri BUMN No. SK-177/ 22 Agustus 2022 - Ke-2
Wahyono Teknologi MBU/08/2022 dan Keputusan Direktur Utama BRI No. RUPS Tahun 2027 Second
Informasi dan 1389-DIR/CSC/08/2022 August 22, 2022 –
Digital Decree of the Minister of State-Owned Enterprises No. GMS in 2027
Director of SK-177/MBU/08/2022 and Decree of BRI President
Information Director No. 1389-DIR/CSC/08/2022
and Digital
Technology
Gunawan Direktur Umum Surat Keputusan Menteri BUMN No. SK-58/ 27 Februari 2020 - Ke-1
Sulistyo Director of MBU/02/2020 tanggal 27 Februari 2020 RUPS Tahun 2025 First
General Affairs Decree of the Minister of State-Owned Enterprises No. February 27, 2020
SK-58/MBU/02/2020 dated February 27, 2020 – GMS in 2025
Ferdian Timur Direktur Surat Keputusan Menteri BUMN No. SK-17/ 14 Januari 2022 - Ke-1
Satyagraha* Keuangan dan MBU/01/2022 dan Keputusan Direktur Utama BRI No. RUPS Tahun 2027 First
Perencanaan 50-DIR/CSC/01/2022 January 14, 2022 –
Strategis Decree of the Minister of State-Owned Enterprises GMS in 2027
Director No. SK-17/MBU/01/2022 and Decree of BRI President
of Finance Director No. 50-DIR/CSC/01/2022
and Risk
Management
Eka Direktur Surat Keputusan Menteri BUMN No. SK-104/ 25 April 2022 - Ke-1
Pebriansyah Jaringan, MBU/04/2022 dan Keputusan Direktur Utama BRI No. RUPS Tahun 2027 First
Operasi dan 0013-DIR/HCB/04/2022 April 25, 2022 -
Penjualan Decree of the Minister of State-Owned Enterprises No. GMS in 2027
Director of SK-104/MBU/04/2022 and Decree of BRI President
Network, Director No. 0013-DIR/HCB/04/2022
Operations, and
Sales
Elvi Rofiqotul Direktur Surat Keputusan Menteri BUMN No. SK-104/ 25 April 2022 - Ke-1
Hidayah Pemasaran dan MBU/04/2022 dan Keputusan Direktur Utama BRI No. RUPS Tahun 2027 First
Pengembangan 0013-DIR/HCB/04/2022 April 25, 2022 –
Produk Decree of the Minister of State-Owned Enterprises No. GMS in 2027
Director of SK-104/ MBU/04/2022 and Decree of BRI President
Marketing Director No. 0013-DIR/HCB/04/2022
and Product
Development
58 Laporan Tahunan 2023 | PT Pegadaian
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Susunan Direksi per 31 Desember 2023
Composition of the Board of Directors as of December 31, 2023
Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan Jabatan
Name Position Basis of Appointment Term of Office Service
Period
Udin Direktur Surat Keputusan Menteri BUMN dan Direktur Utama 23 Juni 2023 - Ke-1
Salahudin** Manajemen Perusahaan (Persero) PT Bank Rakyat Indonesia RUPS Tahun 2028 First
Risiko, Legal, Selaku Rapat Umum Pemegang Saham Perseroan June 23, 2023 –
dan Kepatuhan Terbatas PT Pegadaian Nomor SK-164/MBU/06/2023 GMS in 2028
Director of Risk dan Nomor 0629-DIR/HCB/06/2023
Management, Decree of the Minister of State-Owned Enterprises No.
Legal, and SK-164/MBU/06/2023 and Decree of BRI President
Compliance Director No. 0629-DIR/HCB/06/2023
E.R.A. Taufiq*** Direktur Human Surat Keputusan Menteri BUMN dan Direktur Utama 23 Juni 2023 - Ke-1
Capital Perusahaan (Persero) PT Bank Rakyat Indonesia RUPS Tahun 2028 First
Director of Selaku Rapat Umum Pemegang Saham Perseroan June 23, 2023 –
Human Capital Terbatas PT Pegadaian Nomor SK-164/MBU/06/2023 GMS in 2028
dan Nomor 0629-DIR/HCB/06/2023
Decree of the Minister of State-Owned Enterprises No.
SK-164/MBU/06/2023 and Decree of BRI President
Director No. 0629-DIR/HCB/06/2023
Keterangan/ Description:
*Peralihan penugasan pada tanggal 23 Juni 2023 dari jabatan sebelumnya Direktur Keuangan dan Manajemen Risiko
**Diangkat menjadi Direktur Manajemen Risiko, Legal, dan Kepatuhan pada tanggal 23 Juni 2023
***Diangkat menjadi Direktur Human Capital pada tanggal 23 Juni 2023
*Transfer of position on June 23, 2023 from the previous position of Director of Finance and Risk Management
**Appointed as Director of Risk Management, Legal and Compliance on June 23, 2023
***Appointed as Director of Human Capital on June 23, 2023
Apresiasi Appreciation
Tahun 2023 masih menjadi tahun yang penuh 2023 has been a challenging year. The Board of
tantangan. Direksi memberikan apresiasi kepada Directors appreciates all employees who have worked
seluruh karyawan yang telah bekerja dengan penuh with great dedication. The Board of Directors also
dedikasi tinggi. Direksi juga memberikan apresiasi expressed appreciation to the Board of Commissioners
kepada Dewan Komisaris atas kerjasama, nasihat dan for the cooperation, advice and recommendations. On
rekomendasi yang diberikan. Tak lupa, atas nama behalf of the Company, the Board of Directors also
Perseroan, Direksi juga memberikan apresiasi kepada expressed appreciation to all customers and business
seluruh nasabah dan mitra kerja atas kerja sama yang partners for the good cooperation and trust given
telah terjalin dengan baik dan kepercayaan yang telah to the Company. To the Shareholders, the Board of
diberikan pada Perseroan. Kepada Pemegang Saham, Directors would like express gratitude for the trust
Direksi mengucapkan terima kasih atas kepercayaan bestowed. We are optimistic that PT Pegadaian able
yang telah diberikan. Kami optimis, PT Pegadaian to continue to progress in facing various challenges
dapat terus melaju menghadapi berbagai tantangan for positive and sustainable outcomes.
demi hasil yang positif dan berkelanjutan.
Jakarta, Maret/March 2024
Damar Latri Setiawan
Direktur Utama
President Director
PT Pegadaian | 2023 Annual Report 59
Page 60
Laporan Manajemen
Management Report
Pernyataan Direksi dan Dewan Komisaris
tentang Tanggung Jawab atas Laporan
Tahunan 2023
Statements of the Board of Directors and the Board of Commissioners
Regarding Responsibility for 2023 Annual Report
Pemegang Saham yang Terhormat, Kami yang bertanda Dear Respected Shareholders, We, the undersigned,
tangan di bawah ini menyatakan bahwa semua informasi hereby declare that all material information disclosed in
material dalam Laporan Tahunan PT Pegadaian tahun the 2023 Annual Report of PT Pegadaian is presented
2023 telah dimuat secara lengkap dan bertanggung jawab comprehensively and will take full responsibility for the
penuh atas kebenaran isi Laporan Tahunan Perusahaan. content accuracy of the Annual Report. This statement
Demikian pernyataan ini dibuat dengan sebenarnya. is made truthfully.
Jakarta, 25 Maret/March 25, 2024
Direksi
Board of Directors
Damar Latri Setiawan
Direktur Utama
President Director
Teguh Wahyono Gunawan Sulistyo
Direktur Teknologi Direktur Umum
Informasi dan Digital Director of General Affairs
Director of Information
Technology and Digital
Ferdian Timur Satyagraha Eka Pebriansyah Elvi Rofiqotul Hidayah
Direktur Keuangan dan Direktur Jaringan, Direktur Pemasaran dan
Perencanaan Strategis Operasi, dan Penjualan Pengembangan Produk
Director of Finance and Director of Network, Director of Marketing and
Strategic Planning Operations, and Sales Product Development
E.R.A. Taufiq Udin Salahudin
Direktur Human Capital Direktur Manajemen Risiko,
Director of Human Capital Legal, dan Kepatuhan
Director of Risk Management,
Legal, and Compliance
60 Laporan Tahunan 2023 | PT Pegadaian
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Pernyataan Direksi dan Dewan Komisaris
tentang Tanggung Jawab atas Laporan
Tahunan 2023
Statements of the Board of Directors and the Board of Commissioners
Regarding Responsibility for 2023 Annual Report
Pemegang Saham yang Terhormat, Kami yang bertanda Dear Respected Shareholders, We, the undersigned,
tangan di bawah ini menyatakan bahwa semua informasi hereby declare that all material information disclosed in
material dalam Laporan Tahunan PT Pegadaian tahun the 2023 Annual Report of PT Pegadaian is presented
2023 telah dimuat secara lengkap dan bertanggung jawab comprehensively and will take full responsibility for the
penuh atas kebenaran isi Laporan Tahunan Perusahaan. content accuracy of the Annual Report. This statement
Demikian pernyataan ini dibuat dengan sebenarnya. is made truthfully.
Jakarta, 25 Maret/March 25, 2024
Dewan Komisaris
Board of Commissioners
Loto Srinaita Ginting
Komisaris Utama
President Commissioner
Nezar Patria Makmur Keliat
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
Muhammad Isnaini Yudi Priambodo P. Sudarto
Komisaris Independen Komisaris Independen Komisaris
Independent Commissioner Independent Commissioner Commissioner
Umiyatun Hayati Triastuti Rini Widyantini
Komisaris Komisaris
Commissioner Commissioner
PT Pegadaian | 2023 Annual Report 61
Page 62
03
Profil Perusahaan
Company Profile
Profil Perusahaan
Company Profile
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03 PT Pegadaian | 2023 Annual Report 63
Page 64
Profil Perusahaan
Company Profile
Informasi Umum
tentang Pegadaian
General Information of Pegadaian
Nama Perusahaan : PT Pegadaian
Name of the
Company
Tanggal Pendirian : 1 April 1901
Date of Establishment
Dasar Hukum : Pendirian Pegadaian
Legal Basis Akta Pendirian No. 01 tanggal 1 April 2012 yang dibuat di hadapan Nanda Fauz Iwan, S.H., M.Kn.,
Notaris di Jakarta Selatan, dan kemudian disahkan berdasarkan Keputusan Menteri Hukum dan
Hak Asasi Manusia Republik Indonesia No. AHU-17525.H.01.01 tahun 2012 tanggal 4 April 2012
tentang Pengesahan Badan Hukum Perusahaan. Akta Pendirian mengalami penyempurnaan
dengan perubahan terakhir dengan Akta No. 15 Tanggal 23 September 2021 yang dibuat di
hadapan Notaris Nanda Fauz Iwan, S.H., M.Kn., berkedudukan di Jakarta, dan telah disetujui oleh
Menteri Hukum dan Hak Asasi Manusia berdasarkan Surat Keputusan No. AHU-0053287.A.H.01.02
Tahun 2021 tanggal 29 September 2021.
Establishment of Pegadaian
Deed of Establishment No. 01 dated April 1, 2012 made before Nanda Fauz Irwan, SH., M.Kn,
Notary in South Jakarta, and ratified based on the Decree of Minister of Law and Human Rights of
Republic of Indonesia No. AHU-17525.H.01.01 of 2012 dated April 4, 2012 concerning Ratification
of Legal Basis of the Company. The Establishment Deed has been completed through the last
amendment of the Deed No. 15 dated September 23, 2021 made before Nanda Fauz Irawan, S.H.,
M.Kn., Notary in South Jakarta, and approved by Minister of Law and Human Rights based on the
Decree No. AHU0053287.A.H.01.02 of 2021 dated September 29, 2021.
Status Badan Hukum : Perseroan Terbatas (PT)/Emiten
Legal Status Limited Liability Company / Issuer
Bidang Usaha : Jasa Keuangan
Business Field Financial Services
Produk dan Jasa : Penyaluran pinjaman lainnya berupa Usaha Pergadaian, secara konvensional dan berdasarkan
Products and Services prinsip syariah, berbasis Teknologi Informasi/Platform Digital (untuk selanjutnya disebut “TI”) dan
non-TI, serta optimalisasi pemanfaatan sumber daya yang dimiliki Perseroan untuk menghasilkan
jasa bermutu tinggi dan berdaya saing kuat untuk mendapatkan/mengejar keuntungan guna
meningkatkan nilai Perseroan dengan prinsip-prinsip Perseroan Terbatas.
Other Loans such as Pawn Business, both conventional and sharia, based on Information
Technology/ Digital Platform (known as IT) and non-IT, and optimization of resources utilization
owned by the Company to produce high quality service and strong competitiveness to obtain the
benefit to increase the Company’s value with the principles of Limited Liability Company.
Kepemilikan : Pemerintah Republik Indonesia (Saham Seri A Dwiwarna), 0,00002%
Ownership PT Bank Rakyat Indonesia (Persero) Tbk (Saham Seri B), 99,99998%
Government of Republic of Indonesia (Dwiwarna A Series of Shares), 0.00002%
PT Bank Rakyat Indonesia (Persero) Tbk (B Series of Shares), 99.99998%
Modal Dasar : Rp25.000.000.000.000
Authorized Capital
Modal Ditempatkan : Rp6.250.000.000.000
dan Disetor Penuh
Issued and Fully Paid-
in Capital
Jaringan Pelayanan : 1 Kantor Pusat, 12 Kantor Wilayah, 61 Kantor Area, 4.092 Outlet yang terdiri dari: 642 Kantor
Service Networks Cabang/Syariah, 3.450 Kantor Unit Pelayanan Cabang/Syariah, dan 628 Co-location Sentra
Layanan Ultra Mikro (SENYUM) serta 71.906 Agen Aktif.
1 Headquarter, 12 Regional Offices, 61 Area Offices, 4,092 Outlet consist of: 642 Branch Offices,
3,450 Branch Service Unit Offices, and 628 Co-location Ultra Micro Service Center (SENYUM) as
well as 71,906 Active Agent.
Kelompok Usaha : 4 Entitas Anak dan 1 Entitas Asosiasi
Business Group 4 Subsidiaries and 1 Association
Jumlah Karyawan : 13.519 orang/ people
Total Employees
64 Laporan Tahunan 2023 | PT Pegadaian
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Obligasi dan Sukuk : • Obligasi Berkelanjutan III Tahap II Seri C (2018) - Lunas 16/03/2023
pada Bursa Efek • Obligasi Berkelanjutan IV Tahap I Seri B (2020) - Lunas 13/05/2023
Indonesia • Obligasi Berkelanjutan IV Tahap II Seri B (2020) - Lunas 08/07/2023
Bonds and Sukuk • Obligasi Berkelanjutan IV Tahap II Seri C (2020)
Listed on IDX • Obligasi Berkelanjutan IV Tahap III Seri B (2020)
• Obligasi Berkelanjutan IV Tahap IV Seri B (2021)
• Obligasi Berkelanjutan V Tahap I Seri A (2022) - Lunas 06/05/2023
• Obligasi Berkelanjutan V Tahap I Seri B (2022)
• Obligasi Berkelanjutan V Tahap II Seri A (2022) - Lunas 26/08/2023
• Obligasi Berkelanjutan V Tahap II Seri B (2022)
• Obligasi Berkelanjutan V Pegadaian Tahap III Seri A (2023)
• Obligasi Berkelanjutan V Pegadaian Tahap III Seri B (2023)
• Obligasi Berkelanjutan V Pegadaian Tahap IV Seri A (2023)
• Obligasi Berkelanjutan V Pegadaian Tahap IV Seri B (2023)
• Sukuk Mudharabah Berkelanjutan I Tahap I Seri B (2020) - Lunas 13/ 05/2023
• Sukuk Mudharabah Berkelanjutan I Tahap II Seri B (2020) - Lunas 08/07/2023
• Sukuk Mudharabah Berkelanjutan I Tahap II Seri C (2020)
• Sukuk Mudharabah Berkelanjutan I Tahap III Seri B (2020)
• Sukuk Mudharabah Berkelanjutan I Tahap III Seri A (2021) - Lunas 16 April 2022
• Sukuk Mudharabah Berkelanjutan I Tahap IV Seri B (2021)
• Sukuk Mudharabah Berkelanjutan II Tahap I Seri A (2022) - Lunas 06/05/2023
• Sukuk Mudharabah Berkelanjutan II Tahap I Seri B (2022)
• Sukuk Mudharabah Berkelanjutan II Tahap II Seri A (2022) - Lunas 26/08/2023
• Sukuk Mudharabah Berkelanjutan II Tahap II Seri B (2022)
• Sukuk Mudharabah Berkelanjutan II Pegadaian Tahap III (2023)
• Sukuk Mudharabah Berkelanjutan II Pegadaian Tahap IV (2023)
• Continuous Bond III Phase II Series C (2018) – Settled on 03/16/2023
• Continuous Bond IV Phase I Series B (2020) - Settled on 05/13/2023
• Continuous Bond IV Phase II Series B (2020) - Settled on 08/07/2023
• Continuous Bond IV Phase II Series C (2020)
• Continuous Bond IV Phase III Series B (2020)
• Continuous Bond IV Phase IV Series B (2021)
• Continuous Bond V Phase I Series A (2022) - Settled on 06/05/2023
• Continuous Bond V Phase I Series B (2022)
• Continuous Bond V Phase II Series A (2022) - Settled on 08/26/2023
• Continuous Bond V Phase II Series B (2022)
• Pegadaian Continuous Bond V Phase III Series A (2023)
• Pegadaian Continuous Bond V Phase III Series B (2023)
• Pegadaian Continuous Bond V Phase IV Series A (2023)
• Pegadaian Continuous Bond V Phase IV Series B (2023)
• Continuous Sukuk Mudharabah I Phase I Series B (2020) - Settled on 05/13/2023
• Continuous Sukuk Mudharabah I Phase II Series B (2020) - Settled on 08/07/2023
• Continuous Sukuk Mudharabah I Phase II Series C (2020)
• Continuous Sukuk Mudharabah I Phase III Series B (2020)
• Continuous Sukuk Mudharabah I Phase III Series A (2021) - Settled on 16/04/2022
• Continuous Sukuk Mudharabah I Phase IV Series B (2021)
• Continuous Sukuk Mudharabah II Phase I Series A (2022) - Settled on 05/06/2023
• Continuous Sukuk Mudharabah II Phase I Series B (2022)
• Continuous Sukuk Mudharabah II Phase II Series A (2022) - Settled on 08/26/2023
• Continuous Sukuk Mudharabah II Phase II Series B (2022)
• Pegadaian Continuous Sukuk Mudharabah II Phase III (2023)
• Pegadaian Continuous Sukuk Mudharabah II Phase IV (2023)
Alamat : Jl. Kramat Raya No. 162
Address Jakarta 10430, Indonesia
PO Box 1090
Telepon : +62 21 315 5550
Phone
Faksimili : +62 21 391 4221
Fax.
Email : sekper.pusat@pegadaian.co.id
Situs Web : www.pegadaian.co.id
Website
Media Sosial : Facebook: Pegadaian
Social Media Twitter: @Pegadaian
Instagram: Pegadaian_id
YouTube: Pegadaian Official
Hubungan Investor : Yudi Sadono (Sekretaris Perusahaan/ Corporate Secretary)
Investor Relation Tel.: +62 21 315 5550
Fax.: +62 21 391 4221
Email: sekper.pusat@pegadaian.co.id
PT Pegadaian | 2023 Annual Report 65
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Profil Perusahaan Company Profile Riwayat Singkat Pegadaian Brief History of Pegadaian PT Pegadaian, selanjutnya disebut “Pegadaian” PT Pegadaian, then known as “Pegadaian” or atau “Perseroan” didirikan berdasarkan Peraturan “Company” was established according to Government Pemerintah (PP) No. 51 Tahun 2011 tentang Perubahan Regulation No. 51 of 2011 concerning Changes of Bentuk Badan Hukum Perseroan Umum (Perum) Legal Body of Publi Company (Perum) Pegadaian. Pegadaian. Perubahan tersebut dituangkan pada Akta The changes was stipulated on the Company’s Pendirian Perseroan No. 1 tanggal 1 April 2012 yang Establishment Deed No. 1 dated April 1, 2012 made dibuat di hadapan Notaris Nanda Fauz Iwan, S.H., before Nanda Fauz Iwan, S.H., M.Kn., Notary in Jakarta M.Kn., berkedudukan di Jakarta, dan disahkan melalui and ratified through the Decree of Minister of Law Keputusan Menteri Hukum dan Hak Asasi Manusia and Human Rights of Republic of Indonesia No. AHU- Republik Indonesia No. AHU-17525.AH.01.01 tahun 17525. AH.01.01 of 2012 dated April 4, 2012. 2012 tanggal 4 April 2012. Sejarah berdirinya Pegadaian dimulai sejak era kolonial The establishment history of Pegadaian was started pada 20 Agustus 1746. Pemerintah Kolonial Belanda since colonial era. Dutch colonial Government melalui Vereenigde Oostindische Compagnie (VOC) through Vereenigde Oostindische Compagnie (VOC) telah mendirikan Bank Van Leening di Batavia sebagai established Bank Van Leening on August 20, 1746 in lembaga keuangan yang memberikan kredit dengan Batavia as financial institution that provides loans with sistem gadai. Hingga kemudian pada 1811, lembaga pawn system. This institution then disbanded on 1811 tersebut dibubarkan setelah Inggris mengambil alih after England took the power in Indonesia. kekuasaan di Indonesia. 66 Laporan Tahunan 2023 | PT Pegadaian
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Setelah kembali mengambil alih kekuasaan, pada 12 After succeeded to retook the power, on March 12, 1901, Maret 1901 Pemerintah Hindia Belanda menerbitkan Dutch Government issued Staatblad (Stbl) regulation peraturan Staatsblad (Stbl) No. 131 yang mengatur No. 131 which regulates that Pawn business is the bahwa usaha Pegadaian merupakan usaha monopoli Government’s monopoly business so that the first Pemerintah. Hingga kemudian pada tanggal 1 April State Pawn Institution was established in Sukabumi, 1901, berdirilah lembaga Pegadaian Negara pertama West Java on April 1, 1901. This momentum of April 1, di Sukabumi, Jawa Barat. Momentum itulah yang was later commemorated as Pegadaian’s anniversary. menjadikan tanggal 1 April diperingati sebagai hari ulang tahun Pegadaian. Pada masa Jepang berkuasa, Gedung Kantor On the Japan colonial era, Pegadaian’s Service Pusat Jawatan Pegadaian yang terletak di Jalan Headquarter Building located in Kramat Raya Street Kramat Raya 162 sempat dijadikan sebagai tempat 162 has been used as a place for war prisoners, so that tawanan perang, sehingga Kantor Pusat Jawatan the Headquarter was moved to Kramat Raya street Pegadaian dipindahkan ke Jalan Kramat Raya 132. 132. Until then, it was managed by the Indonesian Hingga kemudian, Jawatan Pegadaian dikelola oleh Government after the independence era. Pemerintah Indonesia setelah era kemerdekaan. Dalam perjalanannya, Pegadaian telah mengalami After Independence era, Pegadaian’s services sejumlah pergantian status, mulai dari Perusahaan was managed by Indonesian Government. On its Negara (PN) pada 1 Januari 1961, dan menjadi milestones, Pegadaian has experienced a number Perusahaan Jawatan (PERJAN) pada tahun 1969 of status changes, from State Company (PN) on berdasarkan Peraturan Pemerintah (PP) No. 7 Tahun January 1, 1961 to be Service Company (PERJAN) 1969, kemudian menjadi Perusahaan Umum (Perum) on 1969 according to Government Regulation No. 7 berdasarkan Peraturan Pemerintah (PP) No. 10 Tahun of 1969, then changed to Public Company (Perum) 1990 yang diperbaharui dengan Peraturan Pemerintah according to Government Regulation No. 10 of 1990 (PP) No. 103 Tahun 2000. Pada tahun 2011, Pegadaian which amended with Government Regulation No. 103 berubah menjadi Perusahaan Perseroan (PT Persero) of 2000. Then in 2011, Pegadaian was changed to be berdasarkan Peraturan Pemerintah (PP) No. 51 Tahun Limited Liability Company (PT Persero) according to 2011 hingga saat ini. Government Regulation No. 51 of 2011 until now. Perubahan status terakhir memungkinkan The latest status change allows the Company to Perseroan untuk terus tumbuh dan berkembang, continue to grow and develop, as well as perfecting serta menyempurnakan produk dan layanan yang the products and services provided. The Company diberikan. Perseroan juga terus meningkatkan peran also continues to increase the role and capacity of its dan kapasitas teknologi informasi yang dimiliki, baik information technology, both as a supporting function sebagai fungsi pendukung maupun business enabler and business enabler by introducing various digital dengan memperkenalkan berbagai produk dan products and services. Apart from that, Pegadaian is layanan digital. Selain itu, Pegadaian juga berupaya also trying to expand its reach to attract millennials untuk memperluas jangkauannya untuk menjaring with outlet The Gade Coffee & Gold, which as of kaum milenial dengan membangun gerai bernama December 31, 2021 recorded operating 35 outlets. The Gade Coffee & Gold yang per 31 Desember 2021 tercatat sebanyak 35 gerai telah beroperasi. Di tahun 2021, melalui pembentukan Holding BUMN In 2021, through the establishment of the Ultra Ultra Mikro, Pegadaian resmi menjadi anak usaha Micro BUMN Holding, Pegadaian officially stated as dari PT Bank Rakyat Indonesia (Persero) Tbk. subsidiary of PT Bank Rakyat Indonesia (Persero) Tbk. Bersama seluruh anggota Holding BUMN Ultra Together with all members of the Ultra Micro BUMN Mikro, Perseroan berkomitmen bersama-sama untuk Holding, the Company is committed together to spur memacu pembangunan ekonomi berbasis kerakyatan people-based economic development through the melalui integrasi ekosistem Ultra Mikro (UMi)-UMKM. integration of the Ultra Micro (UMi)-UMKM ecosystem. Bergabungnya Pegadaian ke dalam Holding BUMN The merge of Pegadaian into the Ultra Micro BUMN Ultra Mikro juga menjadi perluasan peran mengingat Holding is also an expansion of its role considering pada tahun 2020 Perseroan telah memperluas skala that in 2020 the Company has expanded the scale bisnis pembiayaannya dengan meluncurkan produk of its financing business by launched a Productive Pinjaman Modal Produktif bagi pelaku usaha UMKM. Capital Loan product for MSMEs businesses. PT Pegadaian | 2023 Annual Report 67
Page 68
Profil Perusahaan
Company Profile
Perubahan Nama dan Status Pegadaian Change of Name and Status of Pegadaian
Pegadaian mengalami beberapa kali perubahan Pegadaian has changed its status for several times, as
status, yaitu: follows:
1. Perusahaan Negara (PN) berdasarkan Peraturan 1. State Company (PN) based on Government
Pemerintah Pengganti Undang-undang (Perpu) Regulation in lieu of Law No. 19 of 1990 Jo.
No. 19 Tahun 1960 Jo. Peraturan Pemerintah (PP) Government Regulation No. 178 of 1961 concerning
No. 178 Tahun 1961 tentang Pendirian Perusahaan Establishment of State Company of Pegadaian.
Negara Pegadaian. 2. Service Company (PERJAN) based on Government
2. Perusahaan Jawatan (Perjan) berdasarkan PP No. 7 Regulation No. 7 of 1969 concerning Changes
Tahun 1969 tentang Perubahan Bentuk Perusahaan of States Company of Pegadaian as Pegadaian
Negara Pegadaian Menjadi Jawatan Pegadaian. Service.
3. Perusahaan Umum (Perum) berdasarkan PP 3. Public Company (Perum) based on Government
No. 10 Tahun 1990 tentang Pengalihan Bentuk Regulation No. 10 of 1990 concerning the Changes
Perusahaan Jawatan (Perjan) Pegadaian Menjadi of Service Company (PERJAN) of Pegadaian to
Perusahaan Umum (Perum) Pegadaian, yang be General Company (Perum) Pegadaian, which
diperbarui dengan PP No. 103 Tahun 2000 tentang amended with Government Regulation No. 103
Perusahaan Umum (Perum) Pegadaian. of 2000 concerning Public Company (Perum)
4. Perusahaan Perseroan (PT Persero) berdasarkan Pegadaian.
PP No. 51 Tahun 2011 tentang Perubahan Bentuk 4. Limited Liability Company (PT Persero) based on
Badan Hukum Perusahaan Umum (Perum) Government Regulation No. 51 of 2011 concerning
Pegadaian Menjadi Perusahaan Perseroan Changes in General Company (Perum) Pegadaian
(Persero). Legal Status to be Limited Liability Company
5. Menjadi PT Pegadaian berdasarkan PP No. 73 (Persero).
Tahun 2021 tentang Penambahan Penyertaan 5. Become PT Pegadaian based on Government
Modal Negara Republik Indonesia ke dalam Modal Regulation No. 73 of 2021 concerning Additional
Saham Perusahaan Perseroan (Persero) PT Bank Paid in Capital of Republic of Indonesia to the
Rakyat Indonesia Tbk. Authorized Capital of PT Bank Rakyat Indonesia
6. Akta Pendirian No. 01 tanggal 1 April 2012 yang (Persero) Tbk.
dibuat di hadapan Nanda Fauz Iwan, S.H., M.Kn., 6. Deed of Establishment No. 01 dated April 1, 2012
Notaris di Jakarta Selatan, dan kemudian disahkan made before Nanda Fauz Iwan, S.H., M.Kn, notary
berdasarkan Keputusan Menteri Hukum dan In south Jakarta, and ratified by Decree of Minister
Hak Asasi Manusia Republik Indonesia No. AHU- of Law and Human Rights of Republic of Indonesia
17525.H.01.01 tahun 2012 tanggal 4 April 2012 No. AHU-17525.H.01.01 of 2012 dated April 4, 2012
tentang Pengesahan Badan Hukum Perusahaan. concerning Ratification of the Company Legal
Akta Pendirian mengalami penyempurnaan Status. The establishment deed was amended
dengan perubahan terakhir Akta No. 15 Tanggal 23 by Deed No. 15 dated September 23, 2021 made
September 2021 yang dibuat di hadapan Notaris before Nanda Fauz Iwan, S.H., M.Kn, notary In
Nanda Fauz Iwan, S.H., M.Kn., berkedudukan di south Jakarta, and has been approved by Minister
Jakarta, dan telah disetujui oleh Menteri Hukum dan of Law and Human Rights of Republic of Indonesia
Hak Asasi Manusia berdasarkan Surat Keputusan based on Decree No. AHU-0053287.A.H.01.02 of
No. AHU-0053287.A.H.01.02 Tahun 2021 tanggal 2021 dated September 29, 2021.
29 September 2021.
1901 1905 1961 1969
Pegadaian Jawatan Perusahaan Perusahaan
Negara Pegadaian Negara (PN) Jawatan
Pegadaian (Perjan)
Pegadaian
2021 2012 1990
PT Pegadaian Perseroan Perusahaan
Terbatas (PT) Umum (Perum)
Pegadaian Pegadaian
Persero
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Jejak Langkah
Milestones
2021
Status Badan Hukum berubah dari
“PERSERO” Menjadi PERUSAHAAN
TERBATAS” Berdasarkan Peraturan
Pemerintah Nomor 73 Tahun 2021 dan
Anggaran Dasar Nomor 15 Tanggal 23
September 2021
Legal Entity Status changed from
“PERSERO” to LIMITED COMPANY”
Based on Government Regulation
2012
Number 73 of 2021 and Articles of
Association Number 15 dated 23 Bentuk badan hukum berubah dari
September 2021 “PERUM” ke “PERSERO” pada tanggal
1 April 2012 berdasarkan Peraturan
Pemerintah (PP) No. 51 Tahun 2011.
Legal Status changed from “PERUM”
1990 to “PERSERO” on April 1, 2012 based
on Government Regulation No. 51 of
2011.
Bentuk badan hukum berubah dari
“PERJAN” ke “PERUM” berdasarkan
Peraturan Pemerintah (PP) No. 10 Tahun
1990 yang diperbarui dengan Peraturan
Pemerintah (PP) No. 103 Tahun 2000.
Legal Status changed from
1969
“PERJAN” to “PERUM” based on Bentuk badan hukum berubah dari “PN”
Government Regulation No. 10 ke “PERJAN” berdasarkan Peraturan
of 1990 which amended through Pemerintah (PP) No. 7 Tahun 1969.
Government Regulation No. 103 of Legal Status changed from “PN” to
2000. “PERJAN” based on Government
Regulation No. 7 of 1969.
1961
Bentuk badan hukum berubah
“JAWATAN” ke “PN” berdasarkan
Peraturan Pemerintah Pengganti
Undang-undang (Perpu) No.
19 Tahun 1960 Jo Peraturan
Pemerintah (PP) No. 178 Tahun 1961.
Legal Status changed from 1905
“SERVICES” to “PN” based
on Government Regulation in Pegadaian berbentuk lembaga resmi
lieu of Law No. 19 of 1960 Jo. “JAWATAN” 1905.
Governement Regulation No. 178 Pegadaian embodied as “JAWATAN”
of 1961. in 1905.
1901
Didirikan Pegadaian negara
pertama di Sukabumi (Jawa Barat
1811
pada tanggal 1 April 1901).
Pemerintah Inggris mengambil
Established the first stated-
alih dan membubarkan Bank
owned Pegadaian in Sukabumi
Van Leening, masyarakat diberi
(West Java on April 1, 1901).
keleluasaan mendirikan usaha
pergadaian.
England Government took
over and disbanded Bank Van
1746 Leening, people was granted
the freedom to established
pawn businesses.
Sejarah Pegadaian dimulai saat VOC
mendirikan Bank Van Leening sebagai
lembaga keuangan yang memberikan kredit
dengan sistem gadai.
Pegadaian’s history started when
VOC established Bank Van Leening as
Financial Institution which provides
loans with pawn system.with a pawn
system.
PT Pegadaian | 2023 Annual Report 69
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Profil Perusahaan
Company Profile
Visi, Misi, dan Budaya
Perusahaan
Vision, Mission, and Corporate Culture
Visi
Vision
Menjadi The Most Valuable
Financial Company di
Indonesia dan sebagai Agen
Inklusi Keuangan Pilihan
Utama Masyarakat.
Becoming The Most Valuable
Financial Company in Indonesia
and as the Community’s First
Choice Financial Inclusion
Agent.
Misi 1 Memberikan manfaat dan keuntungan optimal bagi seluruh stakeholder dengan
mengembangkan bisnis inti.
Providing optimal benefits and profits for all stakeholders by developing core
Mission business.
2 Memperluas jangkauan layanan UMKM melalui sinergi Ultra Mikro untuk
meningkatkan proposisi nilai ke nasabah dan stakeholder.
Expanding the reach of MSME services through Ultra Micro synergy to increase the
value proposition to customers and stakeholders.
3 Memberikan service excellence dengan fokus nasabah melalui:
Providing service excellence with customer focus through:
a. Bisnis proses yang lebih sederhana dan digital.
b. Teknologi informasi yang handal dan mutakhir.
c. Praktek manajemen risiko yang kokoh.
d. SDM yang profesional berbudaya kinerja baik.
a. Business processes are simpler and digital.
b. Reliable and up-to-date information technology.
c. Robust risk management practices.
d. Professional human resources with a culture of good performance.
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Penjelasan Visi dan Misi Explanation of Vision and Mission
Sebagai respon terhadap perkembangan industri As a response to the development of the Indonesian
bisnis gadai Indonesia, Pegadaian menyusun visi pawn business industry, Pegadaian has developed a
misi baru menjawab atas banyaknya pilihan produk new vision and mission to respond to the large selection
pembiayaan/penyaluran kredit yang tersedia di of financing/credit distribution products available
pasar, teknologi komunikasi yang semakin pesat, on the market, increasingly rapid communication
serta kondisi masyarakat yang semakin cerdas dan technology, and the increasingly intelligent and critical
kritis. Roadmap pencapaian visi dan misi baru ini condition of society. The roadmap for achieving this
dibagi dalam 3 (tiga) tahap, yaitu Enable, Elevate dan new vision and mission is divided into 3 (three) stages,
Excellence, sebagaimana dideskripsikan di bawah ini, namely Enable, Elevate and Excellence, as described
dengan strategi G-STAR+, yaitu: below, with the G-STAR+ strategy, namely:
1. Grow Core: Memperkuat core business Gadai dan 1. Grow Core: Strengthen core pawn and micro-
micro-fidusia; fiduciary business;
2. Go Further: Meningkatkan agen pihak ketiga dan 2. Go Further: Increasing third party agents and
potensi partnership yang strategis; strategic partnership potential;
3. Go Together: Menangkap sinergi dengan ekosistem 3. Go Together: Capture synergy with the BRI Group
BRI Group; ecosystem;
4. Grab New: Mendiversifikasi jalur income melalui 4. Grab New: Diversifying income channels through
segmen bisnis baru; new business segments;
5. Groom Talent: Mendukung pertumbuhan dan 5. Groom Talent: Supports the growth and
pembangunan bisnis baru melalui manajemen development of new businesses through best-in-
talent best-in-class. class talent management.
6. Gen Z Technology: Meningkatkan arsitektur TI dan 6. Gen Z Technology: Improving IT architecture and
memungkinkan model operasi berbasis data; enabling data-driven operating models;
7. Great Culture dan GCG: Menyempurnakan risk 7. Great Culture and GCG: Perfecting risk
management dan menerapkan framework ESG management and implementing a comprehensive
yang komprehensif. ESG framework.
Kajian Dewan Komisaris dan Review of the Board of
Direksi atas Relevansi Visi dan Misi Commissioners and the Board of
Perusahaan terhadap Perkembangan Directors on the Relevance of the
Situasi Terkini Company’s Vision and Mission to
Current Situation Developments
Berdasarkan surat No. S-218/MBU/03/2021 tanggal 26 Based on the decree No. S-218/MBU/03/2021 dated
Maret 2021 yang dikeluarkan oleh Kementerian Badan March 26, 2021 issued by the Ministry of State-Owned
Usaha Milik Negara (BUMN), visi dan misi Pegadaian Enterprises (BUMN), Pegadaian’s vision and mission
telah disahkan melalui Rencana Jangka Panjang have been ratified through the the Company’s Long-
Perusahaan (RJPP) PT Pegadaian (Persero) tahun Term Plan (RJPP) of PT Pegadaian (Persero) for 2020-
2020-2024. 2024.
Visi dan misi Pegadaian juga telah mempertimbangkan Pegadaian’s vision and mission have also taken into
Peraturan Otoritas Jasa Keuangan No. 31/ account Financial Services Authority Regulation No. 31/
POJK.05/2016 tentang Usaha Pergadaian yang POJK.05/2016 concerning Pawn Business which may
dapat meningkatkan persaingan usaha dalam bisnis increase business competition in the industry, progress
gadai, kemajuan dan penerapan teknologi informasi, and implementation of information technology,
perkembangan digitalisasi proses dan produk yang increasingly rapid digitalization of processes and
semakin pesat, kondisi masyarakat yang semakin products, increasingly intelligent and critical conditions
cerdas dan kritis, serta banyaknya pilihan produk in society, as well as many choices of financing/credit
pembiayaan/penyaluran kredit yang tersedia di pasar. distribution products available on the market.
Secara periodik tahunan, visi dan misi Pegadaian On an annual basis, Pegadaian’s vision and mission
tercantum dalam Rencana Kerja dan Anggaran are stated in the Company’s Work Plan and Budget
Perusahaan (RKAP) tahun 2021 yang tertuang dalam (RKAP) for 2021 which is contained in the Company’s
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Profil Perusahaan
Company Profile
Rencana Jangka Panjang Perusahaan (RJPP) tahun Long Term Plan (RJPP) for 2020-2024. Based on
2020-2024. Berdasarkan pertimbangan tersebut, these considerations, the Company’s Board of
Dewan Komisaris dan Direksi Perseroan menilai visi Commissioners and the Board of Directors assess
dan misi Perseroan masih sangat relevan dengan that the Company’s vision and mission are still very
tujuan dan tantangan usaha yang akan dihadapi relevant to the business objectives and challenges that
Pegadaian ke depan. Pegadaian would face in the future.
Budaya Perusahaan AKHLAK AKHLAK Company Culture
Budaya Perusahaan adalah salah satu landasan utama Company culture is one of the main foundations
untuk mencapai keberhasilan visi dan misi Perusahaan. for achieving success for the Company’s vision and
Diperlukan implementasi Budaya Kerja yang kuat mission. It is necessary to implement a strong Work
untuk dapat menyatukan cara berpikir, berperilaku dan Culture to be able to unite ways of thinking, behaving
bertindak secara individu atau kerjasama tim sehingga and acting individually or in team collaboration,
implementasi Budaya Perusahaan selaras dengan hence the implementation of Company Culture is in
pencapaian kinerja bisnis Perusahaan (Performance line with the achievement of the Company’s business
Driven Culture). performance (Performance Driven Culture).
Pegadaian telah memiliki Budaya Perusahaan Pegadaian has Company Culture called “AKHLAK” as
yang disebut “AKHLAK” sebagaimana ditetapkan stipulated in the Regulation of the Board of Directors
oleh Peraturan Direksi No. 115 Tahun 2020 tentang No. 115 of 2020 concerning Company Culture. The
Budaya Perusahaan. Penerapan core values AKHLAK implementation of the AKHLAK core values is an
merupakan instruksi dari Kementerian BUMN yang instruction from the Ministry of BUMN as stated in
tertuang dalam Surat Edaran Kementerian BUMN No. the Circular Letter of Ministry of BUMN No. SE-7/
SE-7/MBU/2020 tanggal 1 Juli 2020 tentang Nilai-Nilai MBU/2020 dated July 1, 2020 concerning Core Values
Utama (Core Values) Sumber Daya Manusia Badan of Human Resources of State-Owned Enterprises.
Usaha Milik Negara.
Core Values adalah sebagai pondasi dalam Arsitektur HC BUMN untuk melakukan transformasi SDM di seluruh BUMN. Dikarena-
kan Core Values masing-masing BUMN tidak jauh berbeda, misalnya: Integrity, Professional, dan Customer Focus/Centric, maka
untuk mendukung prioritas BUMN diperlukan suatu Core Values yang sama sebagai fondasi dan perekat seluruh BUMN
Core Values are the foundation in the BUMN HC Architecture to carry out HR transformation throughout BUMN. Because the
Core Values of each BUMN are not much different, for example: Integrity, Professional, and Customer Focus/Centric, to support
BUMN priorities, the same Core Values are needed as the foundation and glue for all BUMNs.
EVP & Employer Learning & Development Human Capital
1 Branding 3 Management System
5 Technology 7
Core Values Talent & Succession Reward & Performance Human Capital
Management System Management System Data & Analytics
2 4 6
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Nilai-Nilai AKHLAK meliputi
AKHLAK Values include
Amanah Kompeten Harmonis Loyal Adaptif Kolaboratif
Trustworthy Competent Harmonious Loyal Adaptive Collaborative
Memegang teguh Terus belajar dan Berdedikasi dan Saling peduli dan Terus berinovasi Membangun kerjasama
kepercayaan yang mengembangkan mengutamakan menghargai perbedaan dan antusias dalam yang sinergis
diberikan kapabilitas kepentingan Bangsa dan Caring for each menggerakkan ataupun Building a synergistic
Holding firm the trust Continue to learn and Negara other and respecting menghadapi perubahan collaboration
given develop capabilities Dedicated and differences Continue to innovate
prioritizing the interests and be enthusiastic
of the Nation and the in moving or facing
State change
Core values AKHLAK memiliki panduan perilaku dan kata AKHLAK's core values have behavior and word guidelines
kunci sebagai pedoman dalam melakukan implementasi key as a guide in carrying out the implementation AKHLAK
AKHLAK adalah sebagai berikut: is as follows:
18 Panduan Perilaku
18 Code of Conducts
Amanah Loyal
Trustworthy Loyal
1. Memenuhi janji dan komitmen 1. Menjaga nama baik sesama karyawan, pimpinan,
2. Bertanggungajwab atas tugas, keputusan & perusahaan, dan Negara
tindakan yang dilakukan 2. Rela berkorban untuk mencapai tujuan yang lebih besar
3. Berpegang teguh pada nilai moral & etika 3. Patuh kepada pimpinan sepanjang tidak bertentangan
1. Fulfilling promise and commitment dengan hukum dan etika
2. Responsible over duties, decision and actions taken 4. Maintain the good name of fellow employees, leaders,
3. Uphold honesty, moral and ethical values. company, and the State
5. Willing to make sacrifices to achieve a greater goal
6. Obey the leaders as long not violating the law and ethics
Kompeten Adaptif
Competent Adaptive
1. Meningkatkan kompetensi diri untuk menjawab 1. Cepat menyesuaikan diri untuk menjadi lebih baik
tantangan yang selalu berubah 2. Terus menerus melakukan perbaikan mengikuti
2. Membantu orang lain belajar perkembangan teknologi
3. Menyelesaikan tugas dengan kualitas terbaik 3. Bertindak proaktif
1. Improving individual competency to answer the 1. Quickly adapt to get better
changing challenges 2. Continuously make improvement following technological
2. Help others to learn development
3. Fulfilling the duties with excellent quality 3. Act proactively
Harmonis Kolaboratif
Harmonious Collaborative
1. Meningkatkan kompetensi diri untuk menjawab 1. Memberi kesempatan kepada berbagai pihak untuk
tantangan yang selalu berubah berkontribusi
2. Membantu orang lain belajar 2. Terbuka dalam bekerja sama untuk menghasilkan nilai
3. Menyelesaikan tugas dengan kualitas terbaik tambah
1. Improving individual competency to answer the 3. Menggerakkan pemanfaatan berbagai sumber daya
changing challenges manusia untuk tujuan bersama
2. Help others to learn 1. Give opportunity to everyone to contribute
3. Fulfilling the duties with excellent quality 2. Open to cooperate synergically to gain added-values
3. Drive utilization of various resources for a better common
goals
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Profil Perusahaan
Company Profile
Core values AKHLAK sebagai nilai-nilai inti Budaya AKHLAK core values as the core values of Company
Perusahaan diselaraskan dan diwujudkan dengan Culture are aligned and realized by implementing
penerapan perilaku kunci Insan Pegadaian dalam key behaviors of Pegadaian People in fulfilling duties
pelaksanaan tugas pekerjaan dan keseharian yang and daily tasks that can be measured to support the
dapat diukur untuk mendukung pencapaian kinerja achievement of the Company's best performance
terbaik Perusahaan (Performance Driven Culture). (Performance Driven Culture). These key behaviors are
Perilaku kunci itu dijabarkan dalam butir-butir described in the points of Pegadaian BRILiaN Ways as
Pegadaian BRILiaN Ways sebagaimana ditetapkan stipulated in Circular Letter No. 233 of 2023 concerning
oleh Surat Edaran Nomor 233 Tahun 2023 tentang the Implementation of Pegadaian BRILiaN Ways.
Implementasi Pegadaian BRILiaN Ways.
Pegadaian BRILiaN Ways adalah Perilaku kunci lnsan Pegadaian BRILiaN Ways is a key behavior of
Pegadaian sebagai perwujudan nilai-nilai utama Pegadaian employees as an embodiment of the main
AKHLAK yang dapat diukur untuk mendukung values of AKHLAK which can be measured to support
pencapaian kinerja terbaik perusahaan (Performance the achievement of the company's best performance
Driven Culture). Perilaku-perilaku kritikal (critical (Performance Driven Culture). The critical few
few behaviours) Pegadaian BRILiaN Ways ditetapkan behaviors of Pegadaian BRILiaN Ways are determined
sebanyak 4 (empat) dari 8 (delapan) perilaku as 4 (four) of the 8 (eight) key behaviors of Pegadaian
kunci Pegadaian BRILiaN Ways yang didasarkan BRILiaN Ways which are based on considering behavior
atas pertimbangan perilaku yang memiliki dampak that has big impact on achieving business objectives,
besar terhadap pencapaian tujuan bisnis, short-term short-term result (short-term impact), actionable (easy
result (dampak jangka pendek), actionable (mudah to implement), highly visible (real), and measurable.
dilaksanakan), highly visible (nyata), dan measurable
(terukur)
Pegadaian BRILiaN Ways dijabarkan sebagai berikut: Pegadaian BRILiaN Ways is described as follows:
1. Pegadaian BRILiaN jujur, sadar risiko dan patuh 1. Pegadaian BRILiaN is honest, aware of risks and
pada peraturan; complies with regulations;
2. Pegadaian BRILiaN profesional dan terus belajar; 2. Pegadaian BRILiaN is professional and continues to
3. Pegadaian BRILiaN percaya diri, berjiwa sales, learn;
berorientasi pada pasar dan kompetitif; 3. Pegadaian BRILiaN is confident, sales-minded,
4. Pegadaian BRILiaN membangun sinergi yang market-oriented and competitive;
produktif; 4. Pegadaian BRILiaN builds productive synergies;
5. Pegadaian BRILiaN terbuka dan menghargai 5. Pegadaian BRILiaN is open and appreciates
kemajemukan; diversity;
6. Pegadaian BRILiaN agile, proaktif, inovatif 6. Pegadaian BRILiaN is agile, proactive, innovative
dan berorientasi pada pertumbuhan yang and oriented towards sustainable growth;
berkelanjutan; 7. Pegadaian BRILiaN provides fast and easy service;
7. Pegadaian BRILiaN memberikan pelayanan yang 8. Pegadaian BRILiaN cares about the community and
cepat dan mudah; the environment;
8. Pegadaian BRILiaN peduli terhadap masyarakat
dan lingkungan;
4 Perilaku-perilaku kritikal (critical few behaviours) 4 Critical few behaviors
1. Pegadalan Brllian Jujur, sadar risiko dan patuh 1. Honest Pegadaian BRILiaN, aware of risks and
pada peraturan; complies with regulations;
2. Pegadalan Brillan profesional dan terus belajar; 2. Pegadaian BRILiaN is professional and continues to
3. Pegadaian BRILiaN percaya diri, berjiwa sales, learn;
berorientasi pada pasar dan kompetitif; 3. Pegadaian BRILiaN is confident, sales-minded,
4. Pegadaian BRILiaN agile, proaktif, inovatif dan market-oriented and competitive;
berorientasi pada pertumbuhan yang berkelanjutan 4. Pegadaian BRILiaN is agile, proactive, innovative
and oriented towards sustainable growth.
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Pegadaian Critical Few
BRILiaN Ways Behaviours
1 Pegadaian BRILiaN jujur, sadar risiko dan
patuh pada peraturan
1 Pegadalan BRILiaN Jujur, sadar risiko dan
patuh pada peraturan
Pegadaian BRILiaN is honest, aware of risks Honest Pegadaian BRILiaN, aware of risks
and complies with regulations and complies with regulations
Pegadaian BRILiaN profesional dan terus Pegadalan BRILiaN profesional dan terus
2 belajar 2 belajar
Pegadaian BRILiaN is professional and Pegadaian BRILiaN is professional and
continues to learn continues to learn
Pegadaian BRILiaN percaya diri, berjiwa
3 sales, berorientasi pada pasar dan 3 Pegadaian BRILiaN percaya diri, berjiwa
sales, berorientasi pada pasar dan
kompetitif kompetitif;
Pegadaian BRILiaN is confident, sales- Pegadaian BRILiaN is confident, sales-
minded, market-oriented and competitive minded, market-oriented and competitive
Pegadaian BRILiaN membangun sinergi
4 yang produktif 4 Pegadaian BRILiaN agile, proaktif, inovatif
dan berorientasi pada pertumbuhan yang
Pegadaian BRILiaN builds productive
berkelanjutan
synergies
Pegadaian BRILiaN is agile, proactive,
innovative and oriented towards sustainable
Pegadaian BRILiaN terbuka dan growth
5 menghargai kemajemukan
Pegadaian BRILiaN is open and appreciates
diversity
Pegadaian BRILiaN Agile, proaktif, inovatif
6 dan berorientasi pada pertumbuhan yang
berkelanjutan
Pegadaian BRILiaN is agile, proactive,
innovative and oriented towards sustainable
growth
Pegadaian BRILiaN memberikan pelayanan
7 yang cepat dan mudah
Pegadaian BRILiaN provides fast and easy
service
Pegadaian BRILiaN peduli terhadap
8 masyarakat dan lingkungan Pegadaian
BRILiaN cares about the community and the
environment
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Profil Perusahaan
Company Profile
Kegiatan Usaha
Business Activities
Maksud dan Tujuan Pegadaian sesuai Aims and Objectives of Pegadaian
Anggaran Dasar according to Article of Associations
Berdasarkan Anggaran Dasar Pegadaian terakhir Pasal According to the latest Article of Association of
3 sebagaimana terakhir termuat dalam Akta No. 15 Pegadaian on Paragraph 3 as thelast stipulated on
Tanggal 23 September 2021 yang dibuat di hadapan Deed No. 15 dated September 23, 2021 made before
Notaris Nanda Fauz Iwan, S.H., M.Kn., berkedudukan di Nanda Fauz Iwan S.H., M.Kn., notary in Jakarta, and
Jakarta, dan telah disetujui oleh Menteri Hukum dan Hak has been approved by Minister of Law and Human
Asasi Manusia berdasarkan Surat Keputusan No. AHU- Rights based on Decree No. AHU-0053287.A.H.01.02
0053287.A.H.01.02 Tahun 2021 tanggal 29 September of 2021 dated September 29, 2021, Pegadaian is
2021, Pegadaian bertujuan untuk melakukan usaha aimed to conduct other lending business of Pawn
penyaluran pinjaman lainnya berupa Usaha Pergadaian, business, both conventional and sharia-based, based
secara konvensional dan berdasarkan prinsip syariah, on Information Technology/ Digital Platform and non-
berbasis Teknologi Informasi/Platform Digital dan non- IT, as well as optimizing the utilization of resources
TI, serta optimalisasi pemanfaatan sumber daya yang owned by the Company to result high quality services
dimiliki Perseroan untuk menghasilkan jasa bermutu and strong competitiveness to obtain benefit and
tinggi dan berdaya saing kuat untuk mendapatkan/ increase the Company’s values with Limited Liability
mengejar keuntungan guna meningkatkan nilai Company principles.
Perseroan dengan prinsip-prinsip Perseroan Terbatas.
Untuk mencapai maksud dan tujuan tersebut, To reach those aims and objectives, Pegadaian
Pegadaian melaksanakan kegiatan usaha utama dan conducts its main business and other businesses. The
kegiatan usaha lainnya melalui kegiatan usaha berikut: following are business activities of the Company:
Kegiatan Usaha Berdasarkan
Anggaran Dasar Pelaksanaan Kegiatan Usaha Sesuai Anggaran Dasar
Business Activities based on Articles Business Activities’ implementation based on Articles of Association
of Association
Penyaluran pinjaman berdasarkan 1. Penyaluran pinjaman berbasis gadai baik konvensional melalui produk KCA dan
hukum gadai termasuk gadai efek Krasida, maupun syariah antara lain melalui produk Rahn dan Arrum Emas.
Lending according to pawn law 2. Penyaluran pembiayaan kepemilikan emas batangan melalui Produk Mulia dan
incluiding securities mortgage Emasku berdasarkan hukum Gadai.
3. Pemberian pinjaman berdasarkan hukum gadai dengan agunan Saldo Tabungan
Emas nasabah melalui Produk Gadai Tabungan emas dan Krasida Tabungan Emas.
1. Lending based on pawn business both through KCA and Krasida products, or
sharia, among others through Rahn and Arrum Emas products.
2. Lending for gold bars ownership through Mulia and Emasku Products based on
Pawn Business.
3. Lending based on pawn law with the collateral of Tabungan Emas Balance of the
customer through Gadai Tabungan Emas and Krasida Tabungan Emas Products.
Penyaluran pinjaman berdasarkan Pemberian pinjaman berbasis fidusia baik konvensional melalui produk Kreasi
jaminan fidusia maupun syariah yang meliputi produk Arrum Mikro, Rahn Tasjily Tanah, dan Amanah.
Lending based on fiduciary collateral Loans based on fiduciary both conventional through Kreasi product or sharia that
including Arrum Mikro, Rahn Tasjily Tanah, and Amanah products.
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Kegiatan Usaha Berdasarkan
Anggaran Dasar Pelaksanaan Kegiatan Usaha Sesuai Anggaran Dasar
Business Activities based on Articles Business Activities’ implementation based on Articles of Association
of Association
Pelayanan jasa titipan barang berharga 1. Melaksanakan kegiatan usaha Jasa Penitipan barang berharga seperti: Perhiasan
Safe deposit services for valuables emas dan berlian, Emas Batangan, Kendaraan Bermotor, Barang Elektronik dan Surat
surat berharga.
2. Menyediakan layanan Safe Deposit Box untuk masyarakat umum.
3. Melaksanakan layanan Tabungan emas dengan nilai titipan emas mulai 0,01 gram.
4. Menyediakan Layanan jasa Titipan emas batangan bagi nasabah Korporasi yang
memerlukan tempat penyimpanan emas dengan kapasitas besar dengan benefit
sistem pengamanan dan asuransi.
1. Carrying out business activities safe deposits Services for valuables such as: Gold
and diamond jewelry, Gold Bars, Motor Vehicles, Electronics, and Securities.
2. Provide Safe Deposit Box services for the general public.
3. Carry out gold savings services with gold deposit values starting at 0.01 gram.
4. Provide gold bullion deposit services for corporate customers who need gold
storage with a large capacity with the benefit of a security and insurance system.
Pelayanan jasa taksiran dan 1. Melaksanakan kegiatan Layanan Jasa taksiran untuk perhiasan emas berlian dan
sertifikasinya terhadap barang emas batangan
berharga 2. Menyediakan Layanan Laboratorium Gemologi untuk pengujian batu mulia dan logam
Appraisal services and certification of mulia
valuables 1. Carry out appraisal services for gold diamond jewelry and gold bars.
2. Provide Gemology Laboratory Services for testing precious stones and precious
metals.
Kegiatan yang memberikan Melaksanakan kegiatan layanan jasa payment, transaksi uang elektronik, fee asuransi
pendapatan berdasarkan komisi LKM/Si pintar, dan pendapatan remittance.
(fee based income) sepanjang tidak Payment service activities, electronic money transactions, MFI/Smart insurance fees,
bertentangan dengan peraturan and remittance income.
perundang-undangan di bidang jasa
keuangan
Activities that provide fee-based
income as long as it is not violate
financial services laws and regulations
Kegiatan usaha lainnya dengan Melakukan kegiatan pelayanan berbasis digital lending sesuai dengan persetujuan
persetujuan Otoritas Jasa Keuangan Otoritas Jasa Keuangan.
Other business activities with the Digital lending serviced according to approval from Financial Services Authority.
approval from Financial Services
Authority
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Profil Perusahaan
Company Profile
Produk dan Jasa
Products and Services
Pegadaian mengawali langkah pendirian dengan Pegadaian started from providing pawn services
memberikan layanan gadai yang memberikan nilai that provide the values of collaboration, trust and
kolaborasi, kepercayaan, dan transparansi. Produk dan transparency. The products and services always
layanan yang dioperasikan senantiasa memberikan provide solutions to community needs which are
solusi kebutuhan masyarakat yang dipetakan menjadi mapped into 5 (five) business lines as in the following
5 (lima) lini bisnis sebagaimana bagan berikut ini. chart.
Lima Lini Bisnis Skim Penjualan & Peruntukan
Fivelines of Business Sales and Application
Gadai Produktif/Konsumtif
Pawn Productive/Consumptive
Kredit Mikro Produktif/Konsumtif
Fidusia Productive/Consumptive
Fiduciary Micro Credit
Layanan Pegadaian Syariah Produktif/Konsumtif
Pegadaian’s Service Sharia Productive/Consumptive
Pembiayaan Emas Investasi
Gold Financing Investment
Bisnis Jasa Lainnya Remittance, Payment, Optimalisasi
Other Service Business Aset
Remittance, Payment, Asset Optimization
Produk dan jasa unggulan yang dimiliki Pegadaian, Pegadaian has featured products or services as
antara lain: follows:
1. Bisnis Gadai 1. Pawn Business
a. Pegadaian KCA (Kredit Cepat Aman) a. Pegadaian KCA (Fast Secure Credit)
Pegadaian KCA merupakan pemberian Pegadaian KCA is a loan based on pawn law
pinjaman berdasarkan hukum gadai dengan with easy, fast and safe service procedures.
prosedur pelayanan yang mudah, cepat, dan Collateral items used as collateral include
aman. Barang jaminan yang menjadi agunan gold/gem jewelry, precious metals, motorized
meliputi perhiasan emas/permata, logam vehicles, electronic goods, fabrics, watches,
mulia, kendaraan bermotor, barang elektronik, bags, and household appliances. KCA Product
kain, jam tangan, tas, hingga alat rumah Features in the Pawn Business include KCA
tangga. Fitur Produk KCA pada Bisnis Gadai Regular, KCA Flexi (including Electronic Pawn
meliputi KCA Reguler, KCA Fleksi (termasuk di and Luxury Pawn), Business KCA, and KCA
dalamnya Gadai Elektronik dan Gadai Luxury), Prima.
KCA Bisnis, dan KCA Prima.
i. Pada KCA Reguler, kredit dengan i. On KCA Regular, credit with loan money
pemberian uang pinjaman mulai dari starts from Rp50,000 with the imposition
Rp50.000 dengan pengenaan sewa modal of maximum capital lease of 1.2% (of the
maksimum 1,2% (dari uang pinjaman) per 15 loan money) per 15 days with maximum
hari dengan jangka waktu kredit maksimum credit period of 120 days but can be
120 hari tetapi dapat diperpanjang dengan extended by installments, re-mortgage, or
cara cicil, ulang gadai, ataupun minta ask for more and can be repaid at any time
tambah serta dapat dilunasi sewaktu- with calculation of proportional capital
waktu dengan perhitungan sewa modal lease during the loan period.
proporsional selama masa pinjaman.
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ii. Pada KCA Fleksi (termasuk di dalamnya ii. On KCA Flexi (which includes Pawn
Gadai Elektronik dan Gadai Luxury), Electronics and Pawn Luxury), loans
Pinjaman yang diberikan dengan jangka are given with a flexible period with
waktu fleksibel dengan biaya administrasi an administration fee of Rp2,000 to
Rp2.000 s.d. Rp125.000. Tarif sewa modal Rp125,000. Capital loan rates are calculated
dihitung harian mulai dari 0,09%/hari daily starting from 0.09%/day to 0.15%/day.
hingga 0,15%/hari.
iii. Pada KCA Bisnis, kredit dengan pemberian iii. On KCA Bisnis, loans start from
uang pinjaman mulai dari Rp100.000.000 Rp100,000,000 with interest rates ranging
dengan tarif sewa modal mulai dari from 0.65% to 0.95% according to size of
0,65% sampai dengan 0,95% sesuai the loan. The customer is also charged
dengan besarnya pinjaman. Nasabah juga an administration fee of Rp100,000 with
dikenakan biaya administrasi sebesar collateral for gold jewelry and gold bullion.
Rp100.000 dengan barang jaminan emas
perhiasan dan emas batangan/lantakan.
iv. Pada KCA Prima, Kredit dengan pemberian iv. At KCA Prima, loans with range from
uang pinjaman mulai dari Rp50.000 Rp50,000 to Rp500,000 with 0%
sampai dengan Rp500.000 dengan sewa capital lease. Customers are charged
modal 0%. Nasabah dikenakan biaya administration fees ranging from Rp2,000
administrasi mulai dari Rp2.000 sampai to Rp5,000 and maximum tenor of 60
dengan Rp5.000 dan tenor maksimal days.
selama 60 hari.
b. Pegadaian KRASIDA (Kredit Angsuran Sistem b. Pegadaian KRASIDA (Pawn System Installment
Gadai) Credit)
Pegadaian Krasida atau Kredit Angsuran Pegadaian Krasida or Pawn System Installment
Sistem Gadai merupakan pemberian pinjaman Credit is a loan provision based on pawn law
berdasarkan hukum gadai dengan sistem with payment system in monthly installments.
pembayaran secara angsuran tiap bulan. The period is from 6 months to 36 months
Jangka waktu yang diberikan mulai 6 bulan where credit can be repaid at any time by
hingga 36 bulan dimana kredit dapat dilunasi giving a discount on redemption. Capital loan
sewaktu-waktu dengan pemberian diskon rates are set according to the credit term with
pelunasan. Tarif sewa modal ditetapkan sesuai maximum capital loan rate of 1.4% per month
dengan jangka waktu kredit dengan sewa flat.
modal maksimal 1,4% per bulan flat.
c. Pegadaian Gadai Efek c. Pegadaian Securities Pawn
Pegadaian Gadai Efek merupakan pemberian Gadai Efek Konvensional is a loan based on
pinjaman berdasarkan hukum gadai dengan pawn law with the object of pledge as collateral
Surat Berharga berupa Saham dan/atau is Securities in the form of Shares and/or Bonds
Obligasi sebagai jaminan yang penguasaannya which must be deposited by the Customer
diserahkan oleh Nasabah dan/atau kuasanya and/ or its attorney to the Pegadaian. The
kepada Pegadaian. Jangka waktu yang tenor is 90 days and can be extended. Capital
diberikan selama 90 (Sembilan puluh) hari lease rates are set according to the tenor with
dan dapat diperpanjang. Tarif sewa modal a value of 15% per year.
ditetapkan sesuai dengan jangka waktu kredit
dengan nilai 15% per tahun.
d. Pegadaian Gadai Titipan Emas Fisik d. Pegadaian Pawn Custody of Physical Gold
Merupakan pinjaman yang diberikan atas emas This is a loan provided for gold deposited in
yang dititipkan pada layanan Titipan Emas Physical Gold Custody service with a loan tenor
Fisik dengan tenor pinjaman 6 dan 12 bulan, of 6 & 12 months, 0.042% administration and
administrasi 0,042% dan Sewa Modal 0,05%/ Capital Lease 0.05%/day or 1.5%/month.
hari atau 1,5%/ bulan.
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Profil Perusahaan
Company Profile
2. Bisnis Kredit Mikro Fidusia 2. Fiduciary Micro Credit Business
a. Pegadaian KREASI (Kredit Angsuran Sistem a. Pegadaian KREASI (Kredit Angsuran Sistem
Fidusia) Fidusia)
Pegadaian Kreasi merupakan pemberian Pegadaian Kreasi is a loan with fiduciary
pinjaman dengan pengikatan agunan secara collateral binding intended for productive
fidusia yang diperuntukkan untuk keperluan (business development) and consumptive
produktif (pengembangan usaha) dan purposes. Creative Products in the Fiduciary
konsumtif. Produk Kreasi pada Bisnis Kredit Micro Credit Business include Kreasi Reguler,
Mikro Fidusia meliputi Kreasi Reguler, Kreasi Kreasi Ultra Mikro, and Kreasi Multiguna.
Ultra Mikro, dan Kreasi Multiguna.
i. Pada Kreasi Reguler, merupakan pemberian i. On Kreasi Reguler, is the provision of loans
pinjaman kepada pengusaha mikro kecil to small micro entrepreneurs for business
untuk pengembangan usaha dengan development with a fiduciary system.
sistem fidusia. Jaminan berupa BPKB Guarantees in the form of motor vehicles
kendaraan bermotor, persediaan, alat certificate, supplies, production equipment
produksi dan pada wilayah tertentu dapat and in certain areas can be in the form of
berupa kios atau lapak tempat usaha. kiosks or business premises. Payments can
Pembayaran dapat dilakukan dengan be made in monthly, term and one-time
skema pembayaran bulanan, berjangka payment schemes with credit terms of 12
dan sekali bayar dengan jangka waktu to 48 months, interest rates vary from 1%
kredit 12 hingga 48 bulan, tarif sewa modal per month.
bervariasi mulai dari 1% per bulan.
ii. Pada Kreasi Ultra Mikro, merupakan ii. Kreasi Ultra Mikro provides loans to
pemberian pinjaman kepada start up startups and Ultra Micro entrepreneurs
dan pengusaha Ultra Mikro dengan uang with loans ranging from Rp1,000,000 to
pinjaman mulai dari Rp1.000.000 sampai Rp10,000,000. Payments can be made on
dengan Rp10.000.000. Pembayaran dapat a monthly, term and one-time basis with
dilakukan secara bulanan, berjangka dan loan terms of 3, 4, 6, 12, 24, 36 months.
sekali bayar dengan jangka waktu pinjaman Capital lease rates charged to customers
3, 4, 6, 12, 24, 36 bulan. Tarif sewa modal start from 1.15%.
yang dikenakan kepada nasabah mulai dari
1,15%.
iii. Pada Kreasi Multiguna, merupakan iii. Kreasi Muktiguna is loans ranging from
pemberian pinjaman kepada karyawan Rp1,000,000 to Rp100,000,000. Payments
tetap/PKWT/Honorer, non karyawan/ are made monthly with tenor of 12, 18, 24
professional atau pekerja sektor non formal. and 36 months. Capital rental fee start
Uang pinjaman mulai dari Rp1.000.000 from 1.25%.
sampai dengan Rp100.000.000.
Pembayaran dilakukan secara bulanan
dengan jangka waktu kredit 12, 18, 24, dan
36 bulan. Tarif sewa modal mulai dari 1,25%.
b. Pegadaian KRESNA (Kredit Serba Guna) b. Pegadaian KRESNA (Kredit Serba Guna)
Pegadaian KRESNA merupakan pemberian Pegadaian KRESNA provides loans specifically
pinjaman yang dikhususkan kepada karyawan to the Company’s internal employees to fulfill
internal Perusahaan guna pemenuhan investment and multi-purpose needs with
keperluan investasi maupun serba guna dengan repayment in monthly installments over a
pengembalian secara angsuran per bulan period of 1 year to a maximum of 15 years.
dalam jangka waktu 1 tahun hingga maksimum
15 tahun.
c. Digital Lending c. Digital Lending
Dalam rangka mewujudkan visi Pegadaian In order to realize Pegadaian’s vision of
dalam menjalankan transformasi maka carrying out the transformation, one of the
dibuatlah salah satu inisiatif strategis “GRAB strategic initiatives “GRAB NEW” was created,
NEW” yang penerapannya dalam lingkup bisnis which was implemented in the business scope
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melalui pengembangan Produk Digital Lending through the development of digital lending
yaitu pemberian pinjaman melalui platform products, namely lending through digital
digital yang memberikan manfaat berupa platforms that provide benefits in the form of
kemudahan dan kecepatan bagi nasabah convenience and speed for customers through
melalui transaksi digital. Jenis produk Digital digital transactions. The types of Digital
Lending adalah sebagai berikut: Lending products are as follows:
i. Pinjaman Modal Kerja (PMK) i. Working Capital Loan (PMK)
Produk Pinjaman Modal Kerja selanjutnya Working Capital Loan, hereinafter referred
disebut produk PMK adalah produk to as PMK, is financing product with a certain
pembiayaan dengan jangka waktu tertentu period of time provided to legal entities
yang diberikan kepada badan usaha for productive purposes on a fiduciary
berbadan hukum untuk tujuan produktif basis with invoice guarantees through the
yang berbasiskan fidusia dengan jaminan Facility Agent partner platform. The PMK
invoice melalui platform partner Agen partners include: Modal Rakyat Indonesia
Fasilitas. Adapun partner Produk PMK and Duha Madani Syariah.
antara lain: Akseleran, Modal Rakyat
Indonesia, Investree, Duha Madani Syariah.
ii. Pinjaman Modal Produktif (PMP) ii. Productive Capital Loan
Produk Pinjaman Modal Produktif Productive Capital Loan, hereinafter
selanjutnya disebut produk PMP adalah referred to as PMP, is fiduciary-based loans
pinjaman berbasiskan pada fidusia dengan with a certain period of time with collateral
jangka waktu tertentu dengan jaminan in the form of invoice or pre-invoice. Loans
berupa invoice. Pinjaman diberikan kepada provided to entrepreneurs or business
pengusaha atau badan usaha dalam sektor entities in the small, medium and large
usaha kecil, menengah dan besar yang business sectors who have income streams
mempunyai aliran pendapatan untuk for productive purposes. PMP Channels:
tujuan produktif. Channel Produk PMP: Pegadaian Digital Lending Web (digilend.
Web Digital Lending Pegadaian (digilend. pegadaian.co.id) and PaDi UMKM.
pegadaian.co.id) dan PaDi UMKM.
3. Bisnis Syariah 3. Sharia Business
a. Pegadaian Rahn a. Pegadaian Rahn
Sistem gadai berprinsip Syariah yang diberikan A pawn system based on Sharia principles
kepada semua golongan nasabah, baik untuk provided to all types of customers, both for
kebutuhan konsumtif maupun kebutuhan consumptive and productive needs. Rahn
produktif. Rahn merupakan solusi terpercaya is a trusted solution for getting loans in a
untuk mendapatkan pinjaman secara syar’i, syar’i way, easy, fast and safe. To get credit,
mudah, cepat, dan aman. Untuk mendapatkan customers only need to bring their identity
kredit, nasabah hanya perlu membawa (ID/Driver License/ Passport) and collateral
identitas (KTP/ SIM/Paspor) dan agunan of gold jewelry, gold bars, diamonds bound
berupa perhiasan emas, emas batangan, berlian in jewelry, cars, motorcycles, laptops, mobile
terikat perhiasan, mobil, sepeda motor, laptop, phones and other electronic goods. Loans
handphone, dan barang elektronik lainnya. start from Rp50,000, - with the imposition of
Pinjaman yang diberikan mulai dari Rp50.000,- a maintenance fee (mu’nah) starting at 0.47%
dengan pengenaan biaya pemeliharaan (of the estimate) per 10 days with a maximum
(mu’nah) mulai 0,47% (dari taksiran) per 10 credit period of 120 days, and can be extended
hari dengan jangka waktu kredit maksimum by installments or repeat mortgages, and can
120 hari, dan dapat diperpanjang dengan be repaid at any time with a proportional
cara mengangsur ataupun mengulang gadai, mu’nah calculation during the loan period.
serta dapat dilunasi sewaktu-waktu dengan
perhitungan mu’nah proporsional selama masa
pinjaman.
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Profil Perusahaan
Company Profile
b. Pegadaian Rahn Tasjily Tanah b. Pegadaian Rahn Tasjily Tanah
Sistem gadai berprinsip Syariah yang diberikan A pawn system based on Sharia principles
kepada masyarakat yang memiliki penghasilan to people who have fixed/regular income,
tetap/rutin, pengusaha mikro, pengusaha kecil micro entrepreneurs, small entrepreneurs, and
maupun petani dengan agunan sertifikat tanah. farmers with land certificates as collateral. The
Besarnya pinjaman yang diberikan mulai dari amount of the loans starts from Rp1,000,000
Rp1.000.000 sampai dengan Rp200.000.000 to Rp200,000,000 with an administration fee
dengan biaya administrasi sebesar Rp 70.000 of Rp70,000 and maintenance fees (mu’nah)
dan biaya pemeliharaan (mu’nah) mulai 0,70% starting at 0.70% per month and a period of 3,
per bulan dan jangka waktu 3, 4, 6, 12, 18, 24, 4, 6, 12, 18, 24 , 36, 48, up to 60 months.
36, 48, hingga 60 bulan.
c. Pegadaian Arrum (Ar Rahn untuk Usaha Mikro/ c. Pegadaian Arrum (Ar Rahn for Micro/small
Kecil) Business)
Pembiayaan Syariah bagi pengusaha mikro, Sharia financing for micro, small, and medium
kecil, dan menengah untuk menggunakan entrepreneurs to use a monthly installment
skema angsuran bulanan dengan jaminan scheme guaranteed by Vehicle certificate and
BPKB dan Emas dan bisa dilunasi sewaktu- Gold, and can be paid off at any time. Arrum
waktu. Produk Arrum pada bisnis Syariah products in the Sharia business include Arrum
meliputi Arrum Emas (barang jaminan berupa Emas (collateral in the form of gold bullion or
emas lantakan atau perhiasan), Arrum Mikro jewelry), Arrum Micro (collateral for vehicles’
(jaminan BPKB kendaraan untuk pelaku usaha), certificate for enterpreneurs), Arrum Haji
Arrum Haji (jaminan emas untuk pendaftaran (collateral for the registration of the portion of
porsi haji) dan Arrum Safar (jaminan emas dan the pilgrimage) and Arrum Safar (collateral for
barang berharga lainnya). gold and other valuables).
i. Pada Arrum Mikro, kendaraan tetap pada i. At Arrum Mikro, the vehicle remains with
pemiliknya sehingga dapat digunakan the owner so that it can be used to support
untuk mendukung usaha. Tarif Mu’nah the business. The Mu’nah Maintenance fee
Pemeliharaan sebesar 0,70% per bulan is 0.70% per month flat of the Vehicle Price
flat dari Harga Kendaraan dengan jangka with a financing period of 12, 18, 24, 36 to
waktu pembiayaan 12, 18, 24, 36 hingga 48 48 months.
bulan.
ii. Pada Arrum Emas, jaminan emas disimpan ii. At Arrum Emas, collateral for gold is stored
di Pegadaian. Tarif Mu’nah Pemeliharaan at Pegadaian. The Mu’nah Maintenance Rate
sebesar 0,95% per bulan flat dari Taksiran is 0.95% per month flat of the Estimated
Barang Jaminan (Emas) dengan jangka Collateral (Gold) with a financing period of
waktu pembiayaan 12, 18, 24, 36 bulan. 12, 18, 24, 36 months.
iii. Pada Arrum Haji, jaminan emas serta bekas iii. At Arrum Haji, the gold collateral and the
pendaftaran haji disimpan di Pegadaian. former Hajj registration are stored at the
Tarif Mu’nah Pemeliharaan sebesar 0,95% Pegadaian. The Mu’nah Maintenance fee
per bulan flat dari Taksiran Barang Jaminan is 0.95% per month flat of the Estimated
(Emas+berkas pendaftaran haji) dengan Collateral Items (Gold + Hajj registration
jangka waktu pembiayaan 12, 18, 24, 36, 48 documents) with a financing period of 12,
dan 60 bulan. 18, 24, 36, 48 and 60 months.
iv. Pada Arrum Safar, jaminan emas serta iv. At Arrum Safar, collateral for gold and other
barang berharga lainnya disimpan di valuables are stored at the Pegadaian.
Pegadaian. Tarif Mu’nah Pemeliharaan The Mu’nah Maintenance fee is 0.65% per
sebesar 0,65% per bulan flat dari Taksiran month flat of the Umrah / Travel Package
Barang Jaminan (Emas+barang berharga Price with a financing period of 12, 18, 24
lainnya) dengan jangka waktu pembiayaan and 36 months.
12, 18, 24, dan 36 bulan.
d. Pegadaian Amanah d. Pegadaian Amanah
Pembiayaan yang diperuntukkan guna Financing intended for the purchase/ownership
pembelian/ kepemilikan kendaraan bermotor of new or used motorized vehicles in accordance
baru atau bekas pakai sesuai dengan prinsip with Sharia principles for employees, MSME
Syariah kepada karyawan, pengusaha UMKM entrepreneurs and professional doctors,
serta profesional dokter, bidan dan notaris. midwives, and notaries. The installment period
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Jangka waktu angsuran 12, 18, 24, dan 36 bulan is 12, 18, 24 and 36 months for motorcycles,
untuk sepeda motor, serta 12, 18, 24, 36, 48, dan and 12, 18, 24, 36, 48 and 60 months for cars
60 bulan untuk mobil dengan tarif mu’nah 0,9% with mu’nah rates of 0.9% per month flat of the
per bulan flat dari harga kendaraan . Vehicle Estimation.
4. Penyaluran Pinjaman kepemilikan emas batangan 4. Distribution of Loans for Gold Bullion Ownership
a. Penyaluran Uang Pinjaman dari transaksi Gadai Gold Installment
dengan Barang Jaminan Emas yang berasal a. Disbursement of Loan Money from Pawn
dari transaksi Jual Beli antara Nasabah dengan transactions with Gold Collateral from Sale and
Mitra Kerjasama Penyedia Emas. Purchase transactions between Customers and
Gold Providing Collaboration Partners.
b. Layanan ini ditujukan baik untuk Nasabah b. This service is aimed at both personal
Personal maupun nasabah Kelompok yang customers and group customers who can be
dapat menjadi alternatif pilihan investasi yang a safe alternative investment choice to realize
aman untuk mewujudkan kebutuhan masa future needs with an easy process and flexible
depan dengan proses mudah dan jangka waktu time period.
yang fleksibel.
c. Merek Emas Batangan yang ditawarkan c. The gold bullion brands offered vary, including
bervariasi meliputi ANTAM, UBS, Lotus Archi, ANTAM, UBS, Lotus Archi, and Galeri 24 with
dan Galeri 24 dengan pilihan berat beragam various weight options ranging from 0.5 to 0.5.
mulai dari 0,5 s.d. 1.000 gram serta pilihan 1,000 grams and tenor options ranging from 3,
tenor mulai dari 3, 6, 12, 18, 24, 36, 48, dan 60 6, 12, 18, 24, 36, 48 and 60 months.
bulan.
5. Bisnis Jasa Lainnya 5. Other Services Business
a. Pegadaian Properti a. Pegadaian Properti
Bisnis properti Pegadaian dengan Pegadaian’s property business optimizes its
mengoptimalkan aset-aset strategis yang strategic assets through renting buildings
dimiliki melalui persewaan gedung guna for various purposes (weddings, reunions,
berbagai keperluan (acara pernikahan, reuni, meetings, seminars, etc.), renting shophouses
rapat, seminar, dan lain-lain), sewa menyewa and providing land for community economic
ruko dan penyediaan lahan untuk kegiatan activities (Pegadaian’s clean market).
ekonomi kerakyatan (pasar bersih Pegadaian).
b. Pegadaian Jasa Pembayaran Online (Multi b. Pegadaian Online Payment Services (Multi
Payment Online) Payment Online)
i. Layanan pembayaran tagihan dan i. Multi biller bill payment and purchase
pembelian multi biller meliputi pembayaran services include payment for electricity,
listrik, telepon, air, angsuran kendaraan, telephone, water, vehicle installment,
asuransi, internet, pajak, TV berlangganan, insurance, internet, taxes, subscription TV,
gas, pembelian pulsa, token listrik, tiket gas, credit purchases, electricity token,
pesawat, uang elektronik, game voucher, plane ticket, electronic money, game
pembayaran zakat dan infak, dan vouchers, zakat and infaq payment, and
pembayaran lainnya. other payments.
ii. Layanan MPO merupakan solusi ii. MPO service is fast payment solution that
pembayaran cepat yang memberikan facilitate Pegadaian customers to make
kemudahan kepada nasabah Pegadaian transactions, whether customers who
dalam bertransaksi baik nasabah yang already have a bank account or not through
sudah memiliki rekening bank maupun Pegadaian distribution channels.
belum melalui channel distribusi Pegadaian.
c. Pegadaian Remittance (Jasa Pengiriman Uang) c. Pegadaian Remittance (Money Transfer Services)
Layanan pengiriman dan penerimaan uang Domestic and international money sending
lingkup dalam negeri maupun luar negeri and receiving services collaborate with several
bekerja sama dengan beberapa perusahaan companies via online system at all outlets.
melalui sistem online di seluruh outlet.
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Profil Perusahaan
Company Profile
d. Pegadaian Jasa Taksiran d. Pegadaian Appraisal Services
Layanan kepada masyarakat yang ingin Services for people who want to know the
mengetahui karatase dan kualitas harta caratage and quality of gold, diamond and
perhiasan emas berlian dan batu permata baik gemstone jewelry for investment or business
untuk keperluan investasi ataupun keperluan purposes at relatively affordable costs. This
bisnis dengan biaya yang relatif terjangkau. appraisal service makes it easier for people to
Layanan jasa taksiran ini memudahkan find out about the caratage and quality of their
masyarakat mengetahui tentang karatase valuable items, hence they do not experience
dan kualitas suatu barang berharga miliknya doubts about the exact value of the jewelry
sehingga tidak mengalami kebimbangan atas they own.
nilai pasti perhiasan yang dimilikinya.
e. Pegadaian Jasa Titipan e. Pegadaian Deposit Services
Pemberian pelayanan kepada masyarakat Providing services to people who want
yang ingin menitipkan barang-barang to entrust their goods or securities with
atau surat berharga yang dimiliki dengan guaranteed security and competitive rates.
keamanan terjamin dan tarif kompetitif. Media Storage media in the form of a treasure/strong
penyimpanan berupa khazanah/strong room room or Safe Deposit Box.
maupun Safe Deposit Box.
f. Pegadaian G-Lab f. Pegadaian G-Lab
Layanan pemeriksaan batu mulia meliputi Precious stone inspection services include
identifikasi spesies dan varietas, treatments, identification of species and varieties,
serta inclusion mapping sebagai identitas bagi treatments, as well as inclusion mapping as
batu permata yang dinyatakan dalam memo the identity of gemstones stated in memo and
dan sertifikat dengan biaya terjangkau. certificate at affordable cost.
g. Pegadaian Titipan Emas Fisik g. Pegadaian Physical Gold Deposit
Layanan Perusahaan kepada Masyarakat yang Company services to people who wish to
ingin menitipkan barang berupa perhiasan safely entrust goods in the form of gold jewelry
emas dan/atau logam mulia secara aman and/or precious metals to the Company with
di Perusahaan dengan fasilitas tambahan additional facilities in the form of credit limits
berupa plafon kredit yang dapat dipergunakan that customers can use.
Nasabah.
h. Pegadaian Tabungan Emas h. Pegadaian Gold Savings
Penyediaan layanan jual beli emas kadar 24 Provides buying and selling services for 24 carat
karat yang selanjutnya tercatat dalam rekening gold which is then recorded in a gold savings
tabungan emas dalam bentuk saldo Gramasi account in the form of a Gramasi balance and
dan dititipkan di Pegadaian. Pembelian deposited at Pegadaian. Purchases are made
dilakukan secara ritel mulai dari 0,01 gram, dan at retail starting from 0.01 gram, and physical
dapat dilakukan cetak fisik emas jika titipan gold can be printed if the gold deposit has
emas sudah mencapai minimal 1 Gram. reached a minimum of 1 gram.
i. Pegadaian Jasa Titipan Korporasi i. Pegadaian Corporate Deposit Services
Layanan jasa titipan emas yang diberikan Gold deposit services provided by the
Perusahaan kepada Korporasi yang Company to Company that require storage
memerlukan tempat penyimpanan dengan with large capacity and volume.
kapasitas dan volume yang besar.
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Makna Logo Perusahaan The Meaning of Company Logo Logo Pegadaian terdiri dari 2 (dua) komponen utama, Pegadaian’s logo consist of 2 (two) components, yakni gambar tiga lingkaran yang bersinggungan dan namely, three graphic circles that intersected and kata “PEGADAIAN”. Secara garis besar logo Pegadaian the word “PEGADAIAN”. In general, Pegadaian’s menggambarkan proses perjalanan sebuah institusi logo describes a journey process of a pawn service jasa gadai sejak berdiri dan berkembang sesuai proses institution since its establishment and developed transformasi hingga menjadi perusahaan multi produk aligned with its transformation process to be multi yang menjadi solusi keuangan yang berpegang pada product company which is a financial solution that landasan nilai-nilai kolaborasi, transparansi, dan uphold to the collaboration, transparency, and trust kepercayaan. values. Gambar tiga lingkaran merepresentasikan tiga The three graphic circles represented three of inti layanan Pegadaian yakni Bisnis Pembiayaan, Pegadaian’s services core namely, Financing, Gold Bisnis Emas, dan Aneka Jasa. Gambar timbangan Business, and Various Services. The scale graphic bermakna kejujuran dan keadilan. Sedangkan warna means honesty and fairness. Meanwhile, the green hijau melambangkan keteduhan serta senantiasa color means calmness and continues to grow and tumbuh berkembang dalam membantu masyarakat develop in facilitate the society to improve their well- meningkatkan kesejahteraannya. being. Kata “PEGADAIAN” yang ditulis dengan huruf kecil Word “PEGADAIAN” that written with a lowercase bermakna sikap rendah hati, tulus, dan senantiasa means humble, sincere, and friendly in serving ramah dalam melayani masyarakat Indonesia. Indonesian society. PT Pegadaian | 2023 Annual Report 85
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Profil Perusahaan
Company Profile
Keanggotaan Asosiasi
Association Membership
Hingga akhir tahun 2023, Pegadaian memperkuat Until the end of 2023, Pegadaian strengthening its
bisnis dengan menjadi anggota di berbagai organisasi business as a members of various organizations as
sebagai berikut: follows:
Lingkup
(Nasional/
Nama Organisasi Peran dan Kontribusi Pegadaian
Organization Name Internasional) Pegadaian’s Role and Contribution
Scope (National/
international)
Perkumpulan Perusahaan Gadai Nasional Sebagai leader dan inisiator Asosiasi Perkumpulan Perusahaan Gadai
Indonesia National di Indonesia dan sudah mendapatkan persetujuan OJK sesuai surat
Indonesian Pawn Companies Deputi Komisioner Pengawasan IKNB II Nomor S-75/NB.2/2017
Association tanggal 7 Pebruari 2017 dan izin dari Menteri BUMN selaku RUPS
keluar dengan surat Nomor S-345/MBU/06/2017 tanggal 9 Juni 2017
As the leader and initiator of the Association of Pawn Companies
in Indonesia and has obtained OJK approval according to the letter
of the Deputy Commissioner for Supervision of IKNB II No. S-75/
NB.2/2017 dated February 7, 2017 and permission from the Minister of
BUMN as the GMS issued with letter No. S-345 /MBU/06/2017 dated
June 9, 2017
Forum Human Capital Nasional Anggota FHCI BUMN
Indonesia National Member of FHCI BUMN
Human Capital Indonesia
Forum
Forum Humas BUMN Nasional Anggota FH BUMN
SOEs’ Public Relation Forum National Member of PRF BUMN
Forum Teknologi Informasi Nasional Anggota FORTI BUMN
BUMN National Member of FORTI BUMN
SOEs’ Information Technology
Forum
Asosiasi Emiten Indonesia Nasional Anggota AEI
Indonesian Issuers Forum National Member of AEI
Perkumpulan Wakil Manajer Nasional Anggota PWMII untuk produk Gadai Efek
Investasi Indonesia National Member of PWMII for Securities Pawn Product
Indonesian Investment Deputy
Manager Association
86 Laporan Tahunan 2023 | PT Pegadaian
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PT Pegadaian | 2023 Annual Report 87
Page 88
Profil Perusahaan
Company Profile
Struktur Organisasi RUPS
GMS
Organization Structure
Board of Management
Board of Directors
Direktur Utama
President Director
Damar Latri Setiawan
Direktur
Direktur Pemasaran & Direktur Jaringan Direktur Keuangan & Manajemen Risiko, Direktur Teknologi
Pengembangan Produk Operasi & Penjualan Perencanaan Strategis Legal & Kepatuhan Informasi & Digital
Director of Marketing & Director of Operations Director of Finance & Director of Finance, Director of Information
Product Development Network & Sales Strategic Planning Risk Management, Legal Technology & Digital
Elvi Rofiqotul Hidayah Eka Pebriansyah Ferdian Timur & Compliance Teguh Wahyono
Satyagraha Udin Salahudin
Divisi Jaringan & Divisi Perencanaan Divisi Risiko Kredit & Divisi Strategi, Arsitektur &
Divisi Produk Gadai Operasional Strategis Asuransi Perencanaan TI
Pawn Products Division Network and Strategic Planning Division Credit Risk and Insurance IT Strategies, Architecture,
Mufri Yandi Operational Division Nurrahmi Febriana Division and Planning Division
Rosyid Hamidi Agus Tokhid Supriyanto
Divisi Manajemen Risiko Divisi Operasional &
Divisi Produk Emas DIvisi Penjualan Divisi Akuntansi Operasi & Korporasi Infrastruktur TI
Gold Product Division Sales Division Accounting Division Management of Operations IT Operations and
Kadek Eva Suputra Ketut Suhardiono Gede Suhardantara and Corporations Risks Infrastructure Division
Division Noor Hidayanto
Hakim Setiawan
DIvisi Hubungan Divisi Pengembangan
Unit Usaha Syariah Kelembagaan Divisi Tresuri Divisi Legal
Aplikasi TI
Sharia Business Unit Institutional Relations Treasury Division Legal Division
IT Application
Beni Martina Maulan Division Zulfan Adam Holilurrohman
Development Division
Ferry Hariawan Alfian Noor
DIvisi Tanggung Jawab Divisi Manajemen
Divisi Produk Mikro Fidusia Divisi Kepatuhan Divisi IT Security
Sosial dan Lingkungan Kinerja Perusahaan
Fiduciary Micro Products Compliance Division IT Security Division
Corporate Social Company Performance
Division Hertin Maulida Rahmi Eko Haryono
Responsibility Division Management Division
Riza Adhianto
Rully Yusuf Rinny Amelia Hadjoh
Divisi Pemasaran
Marketing Division
Luh Putu Andarini
Kantor Wilayah
Regional Office
88 Laporan Tahunan 2023 | PT Pegadaian
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Dewan Komisaris
Board of Commissioners
Direktur Human Capital Direktur Umum
Director of Human Capital Director of General
E. R. A. Taufiq Affairs
Gunawan Sulistyo
Transformation Office Satuan Pengawasan Intern
Sahat Pangabahan Internal Audit Unit
Pangaribuan Hermawan Aries Andi
Divisi Operasional
Human Capital Divisi Manajemen Aset Tetap Divisi Innovation Center Sekretariat Perusahaan
Human Capital Operations Fixed Asset Innovation Center Division Inspektorat Pengembangan Corporate Secretary
Division Management Division Agus Handayanto Development Inspectorate Yudi Sadono
Muhamad Andi Ibrahim Ngadenan Ahmad Zaenudin
Divisi PMO & Manajemen
Divisi Strategi Human Capital Divisi Pengadaan & Logistik Perubahan Inspektorat Pusat
Human Capital Procurement & Logistics PMO and Change Central Inspectorate
Strategy Division Division Management Division R Swasono A. Widodo
Rofiq Afiv Azis Ismail Ilyas Toza Anindya
Divisi Pegadaian
Corporate University Divisi Manajemen Data TI Inspektorat Wilayah 1
Pegadaian Corporate IT Data Management Regional Inspectorate 1
University Division Division Siska Triangga D.
Arifmon Moh Syaiful Anam
Divisi Digital Lending &
Payment Inspektorat Wilayah 2
Digital Lending & Payment Regional Inspectorate 2
Division Ismanto
Teguh Budi Ismanto
Divisi Budaya Kerja Inspektorat Wilayah 3
Work Culture Division Regional Inspectorate 3
Sriyani Dwi Wuryantadi
Direktorat
Komite Dewan Komisaris: Komite Pemantau Risiko, Komite Nominasi & Remunerasi, dan
Directorate Komite Audit
Committee of the Board of Commissioners: Risk Monitoring Committee,
Nomination and Remuneration Committee, and Audit Committee
Sub Direktorat/Setingkat
Sub Directorate/Equivalent
Komite Dewan Direksi: Komite Produk, Komite Kredit, Komite Aset & Liabilitas, Komite Investasi
& Belanja Modal, Komite Human Capital, Komite TI Komite Tanggung Jawab Sosial dan
Divisi/Setingkat Lingkungan, dan Komite Transformasi
Division/Equivalent Committee of the Board of Directors: Product Committee, Credit Committee, Asset and
Liability Committee, Investment & Capital Expenditure Committee, Human Capital Committee,
Garis Supervisi IT Committee, Social and Environmental Responsibility Committee, and Transformation
Supervision Line Committee
Garis Komunikasi
Communication Line
Sumber: Peraturan Direksi Nomor 39 Tahun 2023
Source: Directors Regulation Number 39 of 2023
PT Pegadaian | 2023 Annual Report 89
Page 90
Profil
Dewan
Komisaris Board of Commissioners' Profile
Loto Srinaita Ginting Sudarto
1 Komisaris Utama 5 Komisaris
President Commissioner Commissioner
Yudi Priambodo P. Nezar Patria
2 Komisaris Independen 6 Komisaris Independen
Independent Commissioner Independent Commissioner
Umiyatun Hayati Triastuti Makmur Keliat
3 Komisaris 7 Komisaris Independen
Commissioner Independent Commissioner
Rini Widyantini Muhammad Isnaini
4 Komisaris 8 Komisaris Independen
Commissioner Independent Commissioner
7
5
2
8
Page 91
3
4
1 6
Page 92
Profil Perusahaan
Company Profile
Loto Srinaita Ginting
Komisaris Utama | President Commissioner
Periode Jabatan | Term of Service
27 Februari 2020-RUPS Tahun 2025, Periode Pertama
February 27, 2020-GMS in 2025, First Period
Data Pribadi Personal Data
Warga Negara Indonesia Indonesian Citizen
Usia 56 tahun Age of 56 year old
Domisili Domicile
Jakarta Pusat, DKI Jakarta, Indonesia Central Jakarta, DKI Jakarta, Indonesia
Riwayat Penunjukan Appointment History
Diangkat sebagai Komisaris Utama melalui Surat Keputusan Appointed as President Commissioner through the Decree of
Menteri BUMN No. SK-59/MBU/02/2020 tanggal 27 Februari 2020 Minister of SOEs No. SK-59/MBU/02/2020 dated February 27,
untuk masa jabatan hingga RUPS yang akan diselenggarakan di 2020 for the term of service until GMS in 2025. This position is her
tahun 2025. Jabatan ini merupakan periode pertama dalam jajaran first period of the Company’s Board of Commisioners.
Dewan Komisaris Perusahaan.
Riwayat Pendidikan Education
• Master (S2) of Commerce in Economics dari New South Wales • Master of Commerce in Economics from New South Wales
University, Australia (2000) University, Australia (2000)
• Sarjana (S1) Ekonomi Studi Pembangunan dari Universitas • Bachelor of Economic Development Study from University of
Indonesia (1992) Indonesia (1992)
Sertifikasi yang dimiliki Certification
N/A N/A
Riwayat Profesi Professional History
• Komisaris Utama PT Pegadaian (2020-Sekarang) • President Commissioner of PT Pegadaian (2020-present)
• Staf Ahli Bidang Keuangan dan Pengembangan UMKM, • Expert Staff of Finance and MSMEs Development, Ministry of
Kementerian BUMN (2020-sekarang) SOEs (2020-present)
• Komisaris PT PELNI (Persero) (2019-2020) • Commissioner of PT PELNI (Persero) (2019-2020)
• Direktur Surat Utang Negara, Direktorat Surat Utang Negara, • Director of State Bonds, Directorate of State Bonds, Directorate
Direktorat Jenderal Pengelolaan Pembiayaan dan Risiko, General of Financing and Risk Management, Ministry of Finance
Kementerian Keuangan (2015-2020) (2015-2020)
• Komisaris PT Reasuransi Indonesia Utama (Persero) (2015-2019) • Commissioner of PT Reasuransi Indonesia Utama (Persero)
• Komisaris PT Asuransi Ekspor Indonesia (2014-2015) (2015-2019)
• Direktur Surat Utang Negara, Direktorat Surat Utang Negara, • Commissioner of PT Asuransi Ekspor Indonesia (2014-2015)
Direktorat Jenderal Pengelolaan Utang, Kementerian Keuangan • Director of State Bonds, Directorate of State Bonds, Directorate
(2012-2015) General of Debt Management, Ministry of Finance (2012-2015)
• Plt. Direktur Surat Utang Negara, Direktorat Surat Utang Negara, • Acting Director of State Bonds, Directorate of State Bonds,
Direktorat Jenderal Pengelolaan Utang, Kementerian Keuangan Directorate General of Debt Management, Ministry of Finance
(2012) (2012)
• Kepala Sub Direktorat Pengelolaan Portofolio Surat Utang • Sub-Head of Directorate of State Bonds Portfolio Management,
Negara, Sub Direktorat Pengelolaan Portofolio Surat Utang Sub-Directorate of State Bonds Portfolio Management,
Negara, Direktorat Surat Utang Negara, Direktorat Jenderal Directorate General of Debt Management, Ministry of Finance
Pengelolaan Utang, Kementerian Keuangan (2009-2012) (2009-2012)
• Kepala Sub Direktorat Analisis Keuangan dan Pasar Surat Utang • Head of Sub Directorate of Financial Analysis and State Bonds
Negara, Sub Direktorat Analisis Keuangan dan Pasar Surat Utang Market, Sub Directorate of Financial Analysis and State Bonds
Negara, Direktorat Surat Utang Negara, Direktorat Jenderal Market, Directorate of Government Bonds, Directorate General of
Pengelolaan Utang, Kementerian Keuangan (2008-2009) Debt Management, Ministry of Finance (2008-2009)
• Kepala Sub Direktorat Pengelolaan Analisis Keuangan dan Pasar • Head of Sub-Directorate for Management of Financial Analysis
Surat Berharga Negara, Sub Direktorat Analisis Keuangan dan and Government Securities Market, Sub-Directorate for Financial
Pasar Surat Berharga Negara, Direktorat Surat Utang Negara, Analysis and Government Securities Market, Directorate of
Direktorat Jenderal Pengelolaan Utang, Kementerian Keuangan Government Bonds, Directorate General of Debt Management,
(2006-2008) Ministry of Finance (2006-2008)
• Kepala Seksi Analisis Pasar Obligasi, Sub Direktorat Analisis • Head of Bond Market Analysis Section, Sub Directorate of
Keuangan dan Pasar Obligasi Direktorat Pengelolaan Surat Financial Analysis and Bond Market, Directorate of Government
Utang Negara, Direktorat Jenderal Perbendaharaan, Kementerian Securities Management, Directorate General of Treasury, Ministry
Keuangan (2004-2006) of Finance (2004-2006)
• Kepala Sub Bidang Analisis Fiskal dan Moneter, Sub Bidang • Head of Fiscal and Monetary Analysis Sub-Sector, Fiscal and
Analisis Fiskal dan Moneter, Bidang Analisis Pasar Keuangan, Monetary Analysis Sub-Sector, Financial Market Analysis Sector,
Pusat Manajemen Obligasi Negara, Sekretariat Jenderal Center for State Bond Management, Secretariat General of the
Kementerian Keuangan (2001-2004) Ministry of Finance (2001-2004)
• Ajun Peneliti Muda, Biro Pengkajian Ekonomi dan Keuangan, • Adjunct Junior Researcher, Bureau of Economic and Financial
Badan Analisa Keuangan dan Moneter, Kementerian Keuangan Studies, Financial and Monetary Analysis Agency, Ministry of
(2000- 2001) Finance (2000-2001).
Rangkap Jabatan Concurrent Position
Di dalam Pegadaian: Anggota Komite Nominasi & Remunerasi At Pegadaian: Member of Nomination & Remuneration Committee
(2020-sekarang) (2020-present)
Di luar Pegadaian: Staf Ahli Bidang Keuangan dan Pengembangan Outside Pegadaian: Expert Staff on Finance and MSMEs
UMKM, Kementerian BUMN (2020-sekarang) Development, Ministry of SOEs (2020-present)
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Has no affiliation with other member of the Board of
anggota Direksi lain, maupun dengan Pemegang Saham Utama/ Commissioners, member of the Board of Directors, or Major/
Pengendali namun demikian beliau memiliki hubungan afiliasi Controlling Shareholders. However, she has an affiliation with
dengan Pemerintah Republik Indonesia selaku entitas pemilik akhir Government of Republic of Indonesia as the ultimate owner of the
Perusahaan melalui rangkap jabatan yang dimiliki di Kementerian Company through concurrent position at Ministry of SOEs.
BUMN.
92 Laporan Tahunan 2023 | PT Pegadaian
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Sudarto
Komisaris | Commissioner
Periode Jabatan | Term of Service
17 Oktober 2019-RUPS Tahun 2024, Periode Pertama
October 17, 2019 - GMS in 2024, First Period
Data Pribadi Personal Data
Warga Negara Indonesia Indonesian Citizen
Usia 54 tahun Age of 54 year old
Domisili Domicile
Bekasi, Jawa Barat, Indonesia Bekasi, West Java , Indonesia
Riwayat Penunjukan Appointment History
Diangkat sebagai Komisaris melalui Surat Keputusan Menteri Appointed as Commissioner through the Decree of the Minister of
BUMN No. SK-248/MBU/10/2019 tanggal 17 Oktober 2019 untuk SOEs No. SK-248/MBU/10/2019 dated October 17, 2019 for a term
masa jabatan hingga RUPS yang akan diselenggarakan di tahun of office until the GMS to be held in 2024. This position is the first
2024. Jabatan ini merupakan periode pertama dalam jajaran period within the Company’s Board of Commissioners.
Dewan Komisaris Perusahaan.
Riwayat Pendidikan Education
• Magister Manajemen Sistem Informasi (M.MS.I) dari Universitas • Master of Information Systems Management (M.MS.I) from Bina
Bina Nusantara (2021) Nusantara University (2021)
• Doktor (S3) Philosophy in Economic dari University of New • Doctor of Philosophy in Economics from the University of New
South Wales, Australia (2008) South Wales, Australia (2008)
• Master (S2) of Business Administration dari International • Master of Business Administration from International University
University of Japan (2001) of Japan (2001)
• Sarjana (S1) Manajemen (Konsentrasi Manajemen Keuangan) • Bachelor of Management (Concentration in Financial
Universitas Indonesia (UI) Jawa Barat (1996) Management) University of Indonesia (UI) West Java (1996)
• D4 Anggaran dari Sekolah Tinggi Akuntansi Negara (STAN) • Diploma 4 of Budgeting from State College of Accountancy
(1996) (STAN) (1996)
Sertifikasi yang dimiliki Certification
Certified in the Governance of Enterprise IT, diberikan oleh Certified in the Governance of Enterprise IT, awarded by the
Information System Audit and Control Association (ISACA), Information System Audit and Control Association (ISACA), July
tanggal 30 Juli 2021 30, 2021
Riwayat Profesi Professional History
• Komisaris PT Pegadaian (2019-sekarang) • Commissioner of PT Pegadaian (2019-present)
• Staf Ahli Menteri Keuangan Bidang Pengeluaran Negara, • Expert Staff to the Minister of Finance for State Expenditures,
Kementerian Keuangan (2023 – sekarang) Ministry of Finance (2023-present)
• Staf Ahli Menteri Keuangan Bidang Organisasi, Birokrasi, dan • Expert Staff of the Minister of Finance for Organization,
Teknologi Informasi Kementerian Keuangan (2018-2023) Bureaucracy and Technology of the Ministry of Finance
• Komisaris PT Pelni (Persero) (2014-2019) (2018-2023)
• Direktur Sistem Informasi dan Transformasi Perbendaharaan • Commissioner of PT Pelni (Persero) (2014-2019)
Direktorat Jenderal Perbendaharaan Kementerian Keuangan • Director of Information Systems and Treasury Transformation
(2013-2018) Directorate General of Treasury, Ministry of Finance (2013-2018)
• Direktur Sistem Perbendaharaan Direktorat Jenderal • Director of Treasury System, Directorate General of Treasury,
Perbendaharaan Kementerian Keuangan (2013) Ministry of Finance (2013)
• Tenaga Pengkaji Bidang Perbendaharaan Direktorat Jenderal • Examiner for Treasury Sector Directorate General of Treasury,
Perbendaharaan Kementerian Keuangan (2012-2013) Ministry of Finance (2012-2013)
Rangkap Jabatan Concurrent Position
Di dalam Pegadaian: Anggota Komite Pemantau Resiko At Pegadaian: Member of Risk Monitoring Committee
(2023-sekarang) (2023-present)
Di luar Pegadaian: Staf Ahli Menteri Keuangan Bidang Pengeluaran Outside Pegadaian: Expert Staff to the Minister of Finance for
Negara, Kementerian Keuangan (2023 – sekarang) State Expenditures, Ministry of Finance (2023-present)
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Has no affiliation with other member of the Board of
anggota Direksi lain, maupun dengan Pemegang Saham Utama/ Commissioners, member of the Board of Directors, or Major/
Pengendali namun demikian beliau memiliki hubungan afiliasi Controlling Shareholders. However, he has an affiliation with
dengan Pemerintah Republik Indonesia selaku entitas pemilik akhir Government of Republic of Indonesia as the ultimate owner of the
Perusahaan melalui rangkap jabatan yang dimiliki di Kementerian Company through concurrent position at Ministry of Finance.
Keuangan.
PT Pegadaian | 2023 Annual Report 93
Page 94
Profil Perusahaan
Company Profile
Umiyatun Hayati Triastuti
Komisaris | Commissioner
Periode Jabatan | Term of Service
25 April 2022-RUPS Tahun 2027, Periode Kedua
April 25, 2022 - GMS in 2027, Second Period
Data Pribadi Personal Data
Warga Negara Indonesia Indonesian Citizen
Usia 62 tahun Age of 62 year old
Domisili Domicile
Jakarta Pusat, DKI Jakarta, Indonesia Central Jakarta , DKI Jakarta, Indonesia
Riwayat Penunjukan Appointment History
Diangkat sebagai Komisaris melalui Keputusan Menteri Badan Appointed as Commissioner through Decree of the Minister of
Usaha Milik Negara No. SK-105/MBU/04/2022 dan Direktur Utama State-Owned Enterprises No: SK-105/MBU/04/2022 and President
Perusahaan Perseroan (Persero) PT Bank Rakyat Indonesia, Tbk. Director of PT Bank Rakyat Indonesia (Persero) Tbk. No.: 0014-
No. 0014-DIR/HCB/04/2022 untuk masa jabatan hingga RUPS DIR/HCB/04/2022 for a term of office until the GMS to be held in
yang akan diselenggarakan di tahun 2027. Jabatan ini merupakan 2027. This position is the second period in the Company’s Board of
periode kedua dalam jajaran Dewan Komisaris Perusahaan. Commissioners.
Riwayat Pendidikan Education
• Doktor (S3) Manajemen Pendidikan dari Universitas Negeri • Doctorate (S3) Education Management from Jakarta State
Jakarta (2020) University (2020)
• Master (S2) of Science in Economics Policy dari University of • Master (S2) of Science in Economics Policy dari University of
Illinois at Urbana Champaign – USA, Department of Economics Illinois at Urbana Champaign – USA, Department of Economics
(1994) (1994)
• Sarjana (S1) Teknik Sipil Institut Teknologi Bandung (ITB), • Bachelor (S1) in Civil Engineering from Bandung Institute of
Bandung (1987) Technology (ITB), Bandung (1987)
Sertifikasi yang dimiliki Certification
N/A N/A
Riwayat Profesi Professional History
• Komisaris PT Pegadaian (2017-sekarang) • Commissioner of PT Pegadaian (2017-present)
• Ahli Utama-Widyaiswara Badan Pengembangan Sumber • Main Expert-Lecturer at the Transportation Human Resources
Daya Manusia Perhubungan, Kementerian Perhubungan Development Agency, Ministry of Transportation (2021-present)
(2021-sekarang) • Head of Transportation Research and Development Agency,
• Kepala Badan Penelitian dan Pengembangan Perhubungan, Ministry of Transportation (2020-2021)
Kementerian Perhubungan (2020-2021) • Head of the Human Resources Development Agency for
• Kepala Badan Pengembangan SDM Perhubungan, Kementerian Transportation, Ministry of Transportation (2018-2020)
Perhubungan (2018-2020) • Head of Transportation Research and Development Agency,
• Kepala Badan Penelitian dan Pengembangan Perhubungan, Ministry of Transportation (2017-2018)
Kementerian Perhubungan (2017-2018) • Expert Staff of the Minister for Regional Economy and
• Staf Ahli Menteri Bidang Ekonomi Kawasan dan Kemitraan Transportation Partnership, Ministry of Transportation (2015-2017)
Perhubungan, Kementerian Perhubungan (2015-2017) • Commissioner of PT. Indonesian Railways (2012-2017)
• Komisaris PT Kereta Api Indonesia (2012-2017) • Expert Staff to the Minister for Natural Resources, Environment
• Staf Ahli Menteri Bidang Sumber Daya Alam, Lingkungan Hidup and Climate Change, Ministry of National Development Planning
dan Perubahan Iklim, Kementerian PPN (2010-2015) (2010-2015)
• Komisaris PT Tambang Batubara Bukit Asam Tbk (2008-2012) • Commissioner of PT. Bukit Asam TBK Coal Mine (2008-2012)
• Deputi Bidang Sumber Daya Alam dan Lingkungan Hidup, • Deputy for Natural Resources and Environment, Bappenas (2007-
Bappenas (2007-2010) 2010)
• Direktur Transportasi, Bappenas (2005-2007) • Director of Transportation, Bappenas (2005-2007)
• Kepala Sub Direktorat Transportasi Darat, Meteorologi dan • Head of Sub Directorate of Land Transportation, Meteorology and
Geofisika, Direktorat Transportasi, Bappenas (2002-2005) Geophysics, Directorate of Transportation, Bappenas (2002-2005)
• Kepala Sub Direktorat Transportasi Kereta Api, Penyeberangan, • Head of Sub-Directorate for Railway Transportation, Crossing,
Meteorologi, dan Geofisika, Direktorat Transportasi, Bappenas Meteorology and Geophysics, Directorate of Transportation,
(2001- 2002) Bappenas (2001-2002)
Rangkap Jabatan Concurrent Position
Di dalam Pegadaian: Anggota Komite Pemantau Risiko At Pegadaian: Member of Risk Monitoring Committee
(2021-sekarang) (2021-Present)
Di luar Pegadaian: Ahli Utama-Widyaiswara Badan Pengembangan Outside Pegadaian: Main Expert-Widyaiswara of Transportation
Sumber Daya Manusia Perhubungan, Kementerian Perhubungan Human Resources Development Agency, Ministry of Transportation
(2021-sekarang) (2021-present)
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris Has no affiliation with other member of the Board of
lain, anggota Direksi, maupun dengan Pemegang Saham Utama/ Commissioners, member of the Board of Directors, or Major/
Pengendali. Namun demikian, beliau memiliki hubungan afiliasi Controlling Shareholders. However, she has an affiliation with
dengan Pemerintah Republik Indonesia selaku entitas pemilik akhir Government of Republic of Indonesia as the ultimate owner
Perusahaan melalui rangkap jabatan yang dimiliki di Kementerian of the Company through concurrent position at Ministry of
Perhubungan. Transportation.
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Rini Widyantini
Komisaris | Commissioner
Periode Jabatan | Term of Service
9 Januari 2020-RUPS Tahun 2025, Periode Pertama
January 9, 2020 - GMS in 2025, First Period
Data Pribadi Personal Data
Warga Negara Indonesia Indonesian Citizen
Usia 58 tahun Age of 58 year old
Domisili Domicile
Bekasi, Jawa Barat, Indonesia Bekasi, West Java , Indonesia
Riwayat Penunjukan Appointment History
Diangkat sebagai Komisaris melalui Surat Keputusan Menteri Appointed as Commissioner through the Decree of the Minister of
BUMN No. SK-14/MBU/01/2020 tanggal 9 Januari 2020 untuk SOEs No. SK-14/MBU/01/2020 dated January 9, 2020 for a term
masa jabatan hingga RUPS yang akan diselenggarakan di tahun of office until the GMS to be held in 2025. This position is the first
2025. Jabatan ini merupakan periode pertama dalam jajaran period in the Company’s Board of Commissioners.
Dewan Komisaris Perusahaan.
Riwayat Pendidikan Education
• Master (S2) Public Management in Public Policy and • Master of Public Management in Public Policy and Management
Management dari Flinders University of South Australia (1999) from Flinders University of South Australia (1999)
• Sarjana (S1) Hukum dari Universitas Padjadjaran, Bandung (1988) • Bachelor of Law from Padjadjaran University, Bandung (1988)
Sertifikasi yang dimiliki Certification
• Certificate of Merit - World Customs Organization (2015) • Certificate of Merit - World Customs Organization (2015)
Riwayat Profesi Professional History
• Komisaris PT Pegadaian (2020-sekarang) • Commissioner of PT Pegadaian (2020-present)
• Sekretaris Menteri, Kementerian PANRB (2022-sekarang) • Ministerial Secretary, Ministry of PANRB (2022-present)
• Deputi Kelembagaan dan Tata Laksana, Kementerian PANRB • Deputy for Institutions and Management, Ministry of PANRB
(2013- 2022) (2013-2022)
• Deputi Kelembagaan, Kementerian PANRB (2012-2013) • Deputy for Institutions, Ministry of PANRB (2012-2013)
• Staf Ahli Menpan RB Bidang Hukum, Kementerian PANRB (2011- • Legal Expert Staff to the Minister of Administrative and
2012) Bureaucratic Reform, Ministry of PANRB (2011-2012)
• Asisten Deputi Perumusan Kebijakan Kelembagaan, Kementerian • Assistant Deputy for Institutional Policy Formulation, Ministry of
PANRB (2010-2011) PANRB (2010-2011)
• Asisten Deputi Kelembagaan Perekonomian I, Kementerian • Assistant Deputy for Economic Institutions I, Ministry of PANRB
PANRB (2009-2010) (2009-2010)
• Asisten Deputi Kelembagaan Perekonomian, Kementerian • Assistant Deputy for Economic Institutions, Ministry of PANRB
PANRB (2008-2009) (2008-2009)
• Kepala Bidang Desain Kelembagaan Non Departemen, • Head of Non-Departmental Institutional Design, Ministry of
Kementerian PANRB (2002-2008) PANRB (2002-2008)
• Kepala Bidang Penyusunan Kebijakan Kelembagaan Non • Head of Non-Departmental Institutional Policy Development,
Departemen, Kementerian PANRB (2001-2002) Ministry of PANRB (2001-2002)
• Kepala Sub Bidang Penyusunan Kebijakan Kelembagaan Non • Head of Non-Departmental Institutional Policy Development
Departemen, Kementerian PANRB (2000-2001) Sub-Division, Ministry of PANRB (2000-2001)
• Analis Kebijakan pada Asdep Urusan Pelaksanaan Kebijakan, • Policy Analyst at Assistant Deputy for Policy Implementation,
Kementerian PANRB (1997-2000) Ministry of PANRB (1997-2000)
Rangkap Jabatan Concurrent Position
Di dalam Pegadaian: Anggota Komite Nominasi & Remunerasi At Pegadaian: Member of Nomination & Remuneration Committee
(2020-Sekarang) (2020-Present)
Di luar Pegadaian: Sekretaris Menteri di Kementerian PANRB Outside Pegadaian : Ministerial Secretary in Ministry of PANRB
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris Has no affiliation with other member of the Board of
lain, anggota Direksi, maupun dengan Pemegang Saham Utama/ Commissioners, member of the Board of Directors, or Major/
Pengendali. Namun demikian, beliau memiliki hubungan afiliasi Controlling Shareholders. However, she has an affiliation with
dengan Pemerintah Republik Indonesia selaku entitas pemilik akhir Government of Republic of Indonesia as the ultimate owner of
Perusahaan melalui rangkap jabatan yang dimiliki di Kementerian the Company through concurrent position at Ministry of State
PANRB. Apparatus Utilization and Bureaucratic Reform.
PT Pegadaian | 2023 Annual Report 95
Page 96
Profil Perusahaan
Company Profile
Makmur Keliat
Komisaris Independen | Independent Commissioner
Periode Jabatan | Term of Service
27 Februari 2020-RUPS Tahun 2025, Periode Pertama
February 27, 2020 - GMS in 2025, First Period
Data Pribadi Personal Data
Warga Negara Indonesia Indonesian Citizen
Usia 62 tahun Age of 62 year old
Domisili Domicile
Bogor, Jawa Barat, Indonesia Bogor, West Java, Indonesia
Riwayat Penunjukan Appointment History
Diangkat sebagai Komisaris Independen melalui Surat Keputusan Appointed as Independent Commissioner through the Decree of
Menteri BUMN No. SK-59/MBU/02/2020 tanggal 27 Februari 2020 the Minister of SOEs No. SK-59/MBU/02/2020 dated February
untuk masa jabatan hingga RUPS yang akan diselenggarakan di 27, 2020 for a term of office until the GMS to be held in 2025.
tahun 2025. Jabatan ini merupakan periode pertama dalam jajaran This position is the first term within the Company’s Board of
Dewan Komisaris Perusahaan. Commissioners.
Riwayat Pendidikan Education
• S3 School of International Studies, Jawaharlal Nehru University, • Doctor of School of International Studies, Jawaharlal Nehru
India (1995) University, India (1995)
• Drs. dalam Ilmu Hubungan Internasional dari Universitas Gadjah • Doctor in International Relations from Gadjah Mada University,
Mada Yogyakarta (1986) Yogyakarta (1986)
• BA dalam Ilmu Hubungan Internasional dari Universitas Gadjah • Bachelor in International Relations from Gadjah Mada University,
Mada, Yogyakarta (1984) Yogyakarta (1984)
• Sarjana Muda dalam Ekonomi Perusahaan dari Universitas • Bachelor in Corporate Economics from the National
Pembangunan Nasional ‘’Veteran’’, Yogyakarta (1984) Development University ‘’Veteran’’, Yogyakarta (1984)
Sertifikasi yang dimiliki Certification
N/A N/A
Riwayat Profesi Professional History
• Komisaris Independen PT Pegadaian (2020-sekarang) • Independent Commissioner of PT Pegadaian (2020-present)
• Dosen pengajar di Departemen Hubungan Internasional Fakultas • Lecturer at the Department of International Relations, Faculty
Ilmu Sosial dan Ilmu Politik Universitas Indonesia (1999-sekarang) of Social and Political Sciences, University of Indonesia
• Komisaris di PT Bank Mandiri (Persero) Tbk (2015-2020) (1999-present)
• Staf Khusus di Sekretariat Kabinet Republik Indonesia (2015) • Commissioner at PT Bank Mandiri (Persero) Tbk (2015-2020)
• Ketua Program Pascasarjana, Departemen Hubungan • Special Staff at the Cabinet Secretariat of the Republic of
Internasional Fakultas Ilmu Sosial dan Ilmu Politik Universitas Indonesia (2015)
Indonesia (2009- 2012) • Head of the Postgraduate Program, Department of International
• Manajer Riset dan Publikasi, Fakultas Ilmu Sosial dan Ilmu Politik Relations, Faculty of Social and Political Sciences, University of
Universitas Indonesia (2007-2008) Indonesia (2009-2012)
• Direktur Eksekutif, Pusat Kajian Asia Timur Departemen • Research and Publication Manager, Faculty of Social and Political
Hubungan Internasional FISIP UI CEACoS (Center for East Asia Sciences, University of Indonesia (2007-2008)
Cooperation Studies) (2005-2007) • Executive Director, Center for East Asian Studies, Department of
• Direktur Eksekutif, Pusat Kajian Global Civil Society Studies International Relations, FISIP UI, CEACoS (Center for East Asia
(PACIVIS UI) (2002-2004) Cooperation Studies) (2005-2007)
• Ketua Program Pascasarjana, Departemen Hubungan • Executive Director, Center for Global Civil Society Studies
Internasional Fakultas Ilmu Sosial dan Ilmu Politik Universitas (PACIVIS UI) (2002-2004)
Indonesia (2002- 2004) • Head of the Postgraduate Program, Department of International
Relations, Faculty of Social and Political Sciences, University of
Indonesia (2002-2004)
Rangkap Jabatan Concurrent Position
Di dalam Pegadaian: At Pegadaian:
• Ketua Komite Pemantau Risiko (30 Mei 2022-sekarang) • Head of Risk Monitoring Committee (May 30, 2022-present)
• Anggota Komite Audit (31 Oktober 2022-sekarang) • Member of Audit Committee (October 31, 2022-present)
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris Has no affiliation with member of the Board of Commissioners,
lain, anggota Direksi, maupun dengan Pemegang Saham Utama/ other member of Board of Directors, or Major/ Controlling
Pengendali atau dengan Pemerintah Republik Indonesia selaku Shareholders or with the Government of Republic of Indonesia as
entitas pemilik akhir Perusahaan. the Ultimate owner of the Company.
96 Laporan Tahunan 2023 | PT Pegadaian
Page 97
Nezar Patria
Komisaris Independen | Independent Commissioner
Periode Jabatan | Term of Service
25 April 2022-RUPS Tahun 2027, Periode Pertama
April 25, 2022 - GMS in 2027, First Period
Data Pribadi Personal Data
Warga Negara Indonesia Indonesian Citizen
Usia 53 tahun Age of 53 year old
Domisili Domicile
Jakarta Pusat, DKI Jakarta, Indonesia Central Jakarta, DKI Jakarta, Indonesia
Riwayat Penunjukan Appointment History
Diangkat sebagai Komisaris Independen melalui Keputusan Menteri Appointed as an Independent Commissioner through the Decree
BUMN dan Direktur Utama Perusahan Perseroan (Persero) PT Bank of the Minister of SOEs and President Director of PT Bank Rakyat
Rakyat Indonesia, Tbk. No. SK-105/MBU/04/2022 dan No. 0014- Indonesia (Persero) TBK No. SK-105/ MBU/04/2022 and No. 0014-
DIR/HCB/04/2022 tentang Pemberhentian dan Pengangkatan DIR/HCB/04/2022 concerning Dismissal and Appointment of
Anggota-Anggota Dewan Komisaris PT Pegadaian. Members of the Board of Commissioners of PT Pegadaian.
Riwayat Pendidikan Education
• S2-Asean MBA di Graduate School of Business (GSB) Universiti • Master of Asean MBA at Graduate School of Business (GSB)
Sains Malaysia/School of Business and Management ITB (dual Universiti Sains Malaysia/School of Business and Management
degree) (2022) ITB (dual degree) (2022)
• S2-M.Sc. History of International Relations di The London School • M.Sc. Master of History of International Relations at The London
of Economics and Political Science (LSE) (2007) School of Economics and Political Science (LSE) (2007)
• S1-Filsafat di Universitas Gadjah Mada (1997) • Bachelor of Philosophy at Gadjah Mada University (1997)
Sertifikasi yang dimiliki Certification
N/A N/A
Riwayat Profesi Professional History
• Wakil Menteri Komunikasi dan Informatika Republik Indonesia • Deputy Minister of Communication and Information of the
(2023-sekarang) Republic of Indonesia (2023-present)
• Komisaris Independen PT Pegadaian (2022-sekarang) • Independent Commissioner of PT Pegadaian (2022-present)
• Staf Khusus 5 Menteri BUMN di Kementerian BUMN (2022-2023) • Special Staff of 5 BUMN Ministers at the Ministry of BUMN (2022-
• Direktur Kelembagaan PT Pos Indonesia Persero (2020-2022) 2023)
• Komisaris Utama PT Dapensi Trio Usaha (anak usaha PT Pos • Institutional Director of PT. Pos Indonesia Persero (2020-2022)
Indonesia) (2021-2022) • President Commissioner of PT Dapensi Trio Usaha (subsidiary of
• Anggota Dewan Pembina Yayasan Pendidikan Bhakti Pos PT Pos Indonesia) (2021-2022)
Indonesia (mengelola Politeknik Pos Indonesia dan Sekolah • Member of the Board of Trustees of the Bhakti Pos Indonesia
Tinggi Ilmu Manajemen Logistik, Bandung) (2020-2022) Education Foundation (managing the Pos Indonesia Polytechnic
• Pemimpin Redaksi harian The Jakarta Post/Direktur PT Niskala and the College of Logistics Management, Bandung) (2020-
Media Tenggara (2018-2020) 2022)
• Anggota Dewan Pers (2016-2019) • Chief Editor of The Jakarta Post daily/ Director of PT Niskala
• Chief of Digital Operation, Th=e Jakarta Post dan Chief Editor Media Tenggara (2018-2020)
The Jakarta Post Digital (2015-2016) • Member of the Press Council (2016-2019)
• Wakil Pemimpin Redaksi CNN (2014-2015) • Chief of Digital Operation, The Jakarta Post and Chief Editor of
• Co-Founder dan Redaktur Pelaksana VIVA.co.id (2008-2014) The Jakarta Post Digital (2015-2016)
• Redaktur PT Tempo Inti Media Harian (2000-2008) • Deputy Editor-in-Chief of CNN (2014-2015)
• Co-Founder and Managing Editor of VIVA.co.id (2008-2014)
• Editor at PT Tempo Inti Media Daily (2000-2008)
Rangkap Jabatan Concurrent Position
Di dalam Pegadaian: Ketua Komite Nominasi dan Remunerasi (31 At Pegadaian: Head of Nomination and Remuneration Committee
Oktober 2022-sekarang) (October 31, 2022-present)
Di luar Pegadaian: Wakil Menteri Komunikasi dan Informatika Outside Pegadaian: Deputy Minister of Communication and
Republik Indonesia (2023-sekarang) Information of the Republic of Indonesia (2023-present)
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris Has no affiliation with other member of the Board of
lain, anggota Direksi, maupun dengan Pemegang Saham Utama/ Commissioners, member of Board of Directors, or Major/
Pengendali. Namun demikian, beliau memiliki hubungan afiliasi Controlling Shareholders. However, he has an affiliation with the
dengan Pemerintah Republik Indonesia selaku entitas pemilik akhir Government of Republic of Indonesia as the ultimate owner of the
Perusahaan melalui rangkap jabatan yang dimiliki di Kementerian Company through concurrent position at Minister of SOEs.
BUMN.
PT Pegadaian | 2023 Annual Report 97
Page 98
Profil Perusahaan
Company Profile
Yudi Priambodo P.
Komisaris Independen | Independent Commissioner
Periode Jabatan | Term of Service
25 April 2022-RUPS Tahun 2027, Periode Pertama
April 25, 2022 - GMS in 2027, First Period
Data Pribadi Personal Data
Warga Negara Indonesia Indonesian Citizen
Usia 57 tahun Age of 57 year old
Domisili Domicile
Tangerang Selatan, Banten, Indonesia South Tangerang, Banten, Indonesia
Riwayat Penunjukan Appointment History
Diangkat sebagai Komisaris Independen melalui Keputusan Menteri Appointed as Independent Commissioner through the Decree of
BUMN dan Direktur Utama Perusahan Perseroan (Persero) PT Bank the Minister of SOEs and President Director of PT Bank Rakyat
Rakyat Indonesia, Tbk. No. SK-105/MBU/04/2022 dan No. 0014- Indonesia (Persero) Tbk No. SK-105/ MBU/04/2022 and No: 0014-
DIR/HCB/04/2022 tentang Pemberhentian dan Pengangkatan DIR/HCB/04/2022 concerning Dismissal and Appointment of
Anggota-Anggota Dewan Komisaris PT Pegadaian. Members of the Board of Commissioners of PT Pegadaian.
Riwayat Pendidikan Education
• S3 Business Management dari Universitas Brawijaya, Malang • Doctor of Business Management from Brawijaya University,
(Cand.) Malang (Cand.)
• S2 International Business dari Universitas Gadjah Mada, • Master of International Business from Gadjah Mada University,
Yogyakarta (2000) Yogyakarta (2000)
• S1 Business Management dari Universitas Pancasila, Jakarta • Bachelor of Business Management from Pancasila University,
(1989) Jakarta (1989)
Sertifikasi yang dimiliki Certification
• Certified Enterprise Risk Governance (CERG) 2023 • Certified Enterprise Risk Governance (CERG) 2023
• Qualified Internal Audit (QIA) 2023 • Qualified Internal Audit (QIA) 2023
• Governance Risk Compliance Professional (GRCP) yang • Governance Risk Compliance Professional (GRCP) organized by
diselenggarakan oleh OCEG (2022) OCEG (2022)
• Banking Risk Management Level 4 yang diselenggarakan oleh LSP • Banking Risk Management Level 4 organized by LSP Banking
Perbankan (2022) (2022)
• Training Methodology Qualification Competency Certification • Training Methodology Qualification Competency Certification
Scheme 3 yang diselenggarakan oleh LSP Kepelatihan dan Scheme 3 organized by LSP Training and National Instructors
Instruktur Nasional (2021) (2021)
• Banking Risk Management Level 3 yang diselenggarakan oleh LSP • Banking Risk Management Level 3 organized by LSP Banking
Perbankan (2021) (2021)
• Audit Intern Bank Level Audit Supervisor yang diselenggarakan • Bank Internal Audit Level Audit Supervisor organized by LSP
oleh LSP Perbankan (2021) Banking (2021)
• Certified Risk Professional for Risk Management yang • Certified Risk Professional for Risk Management organized by
diselenggarakan oleh LSP Pasar Modal (2021) LSP Capital Market (2021)
• Certified Securities Analyst for Securities Analysis yang • Certified Securities Analyst for Securities Analysis organized by
diselenggarakan oleh LSP Pasar Modal (2021) LSP Capital Market (2021)
• Certified Investment Banker for Investment Banking yang • Certified Investment Banker for Investment Banking organized
diselenggarakan oleh LSP Pasar Modal (2021) by LSP Capital Market (2021)
• Certified Wealth Manager yang diselenggarakan oleh The Certified • Certified Wealth Manager organized by The Certified Wealth
Wealth Managers Association (2019) Managers Association (2019)
• Workplace Assessment Assessor Competency yang • Workplace Assessment Assessor Competency organized by
diselenggarakan oleh BNSP (2019) BNSP (2019)
• Certified Financial Planner (CFP) yang diselenggarakan oleh FPSB • Certified Financial Planner (CFP) held by FPSB (2018)
(2018) • Bank Risk Management Level 2 organized by LSP Banking (2015)
• Bank Risk Management Level 2 yang diselenggarakan oleh LSP • Level 1 Risk Management organized by BSMR (2006)
Perbankan (2015)
• Manajemen Risiko Level 1 yang diselenggarakan oleh BSMR (2006)
Riwayat Profesi Professional History
• Komisaris Independen di PT Pegadaian (2022-sekarang) • Independent Commissioner at PT Pegadaian (2022 - present)
• Asesor Lembaga Sertifikasi Pasar Modal (LSP PM) • Capital Market Certification Institution Assessor (LSP PM) (2019
(2019-sekarang) - present)
• Kepala Audit Wilayah Manado PT BRI (Persero) Tbk (2021-2022) • Head of Manado Regional Audit PT BRI (Persero) Tbk (2021-2022)
• Wakil Pimpinan Wilayah (Regional Risk Management Head) • Deputy Regional Head (Regional Risk Management Head) Jakarta
Jakarta 2 PT BRI (Persero) Tbk (2020-2021) 2 PT BRI (Persero) Tbk (2020-2021)
• Wakil Kepala Audit Wilayah Jakarta 2 PT Bank BRI (Persero) Tbk. • Deputy Head of Audit for Jakarta Region 2 PT Bank BRI (Persero)
(2019-2020) Tbk. (2019 - 2020)
• Anggota Pengawas Yayasan Kesejahteraan Pegawai BRI (2019- • Supervisory member of the BRI Employee Welfare Foundation
2022) (2019-2022)
• Wakil Kepala Divisi Pengembangan Standar Kualitas Audit PT • Deputy Head of Audit Quality Standard Development Division of
BRI (Persero) Tbk (2019) PT BRI (Persero) Tbk (2019)
• Group Head Audit Head Office (Keuangan, Internasional dan • Group Head Audit Head Office (Finance, International and
Compliance) PT BRI (Persero) Tbk (2009-2018) Compliance) PT BRI (Persero) Tbk (2009-2018)
Rangkap Jabatan Concurrent Position
Di dalam Pegadaian: Ketua Komite Audit (31 Oktober At Pegadaian: Head of Audit Committee (October 31,
2022-sekarang) 2022-present)
Di luar Pegadaian: Asesor Lembaga Sertifikasi Pasar Modal (LSP Outside Pegadaian: Assessor of Certification Institution of Capital
PM) (2019-sekarang) Market (LSP PM) (2019-present)
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris Has no affiliation with other member of the Board of
lain, anggota Direksi, maupun dengan Pemegang Saham Utama/ Commissioners, member of Board of Directors, or Major/
Pengendali atau dengan Pemerintah Republik Indonesia selaku Controlling Shareholders or with the Government of Republic of
entitas pemilik akhir Perusahaan. Indonesia as the Ultimate owner of the Company.
98 Laporan Tahunan 2023 | PT Pegadaian
Page 99
Muhammad Isnaini
Komisaris Independen | Independent Commissioner
Periode Jabatan | Term of Service
11 Oktober 2023 -RUPS Tahun 2028, Periode Pertama
October 11, 2023 – GMS in 2028, First Period
Data Pribadi Personal Data
Warga Negara Indonesia Indonesian Citizen
Usia 53 tahun Age of 53 year old
Domisili Domicile
Semarang, Jawa Tengah, Indonesia Semarang, Jawa Tengah, Indonesia
Riwayat Penunjukan Appointment History
Diangkat sebagai Komisaris Independen melalui Keputusan Menteri Appointed as Independent Commissioner through the Decree of
BUMN dan Direktur Utama Perusahan Perseroan (Persero) PT the Minister of SOEs and President Director of PT Bank Rakyat
Bank Rakyat Indonesia, Tbk. No. SK-281/MBU/10/2023 dan No. Indonesia (Persero) Tbk. No. SK-281/MBU/10/2023 and No. 1068-
1068-DIR/HCB/10/2023 tentang Pengangkatan Anggota Dewan DIR/HCB/10/2023 concerning Appointment of Members of the
Komisaris PT Pegadaian. Board of Commissioners of PT Pegadaian.
Riwayat Pendidikan Education
• Sarjana (S1) Sosial Ilmu Ekonomi FISIP di Universitas Diponegoro • Bachelor (S1) in Social Sciences, Economics, from FISIP at
(1996) Diponegoro University (1996)
Sertifikasi yang dimiliki Certification
N/A N/A
Riwayat Profesi Professional History
• Komisaris Independen PT Pegadaian (2023-sekarang) • Independent Commissioner of PT Pegadaian (2023-present)
• Komisaris Independen merangkap Komite Audit PT Adhi • Independent Commissioner and Audit Committee of PT Adhi
Commuter Properti (2021-2023) Commuter Properti (2021-2023)
• Komisaris PT Primissima (2016-2021) • Commissioner of PT Primissima (2016-2021)
• Wartawan Majalah, CSR Stake Holder Solo (2011) • Magazine Journalist, CSR Stake Holder Solo (2011)
• Office Manager, PT Solo Agro Lestari (2009-2010) • Office Manager, PT Solo Agro Lestari (2009-2010)
• Kontributor Lepas pada Indonesiakreatif.com – Portal • Freelance Contributor to Indonesiakreatif.com – Ministry of
Kementerian Pariwisata (2009-2020) Tourism Portal (2009-2020)
• Manajer Promosi Harian JOGLOSEMAR Solo, PT Joglosemar • Daily Promotion Manager at JOGLOSEMAR Solo, PT Joglosemar
Prima Media (2007-2009) Prima Media (2007-2009)
• Staf SoloPro, Divisi E.O. Harian SOLOPOS, PT Aksara Solo Pos • SoloPro Staff, E.O. Division SOLOPOS Daily, PT Aksara Solo Pos
(2005-2007) (2005-2007)
• Wartawan Harian SOLOPOS, PT Aksara Solopos (2000-2005) • SOLOPOS Daily Journalist, PT Aksara Solopos (2000-2005)
Rangkap Jabatan Concurrent Position
- -
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris Has no affiliation with other member of the Board of
lain, anggota Direksi, maupun dengan Pemegang Saham Utama/ Commissioners, member of the Board of Directors, or with Major/
Pengendali atau dengan Pemerintah Republik Indonesia selaku Controlling Shareholders or with the Government of the Republic
entitas pemilik akhir Perusahaan. of Indonesia as ultimate owner of the Company.
PT Pegadaian | 2023 Annual Report 99
Page 100
Profil Perusahaan
Company Profile
Komposisi dan
Profil Dewan Komisaris
Board of Commissioners’ Composition and Profiles
Kronologis perubahan susunan dan komposisi Dewan Chronology of Changes in the Composition of the
Komisaris sepanjang tahun 2023 dapat dilihat sebagai Board of Commissioners throughout 2023:
berikut:
Periode 1 Januari s.d. 10 Oktober 2023 Periode 11 Oktober s.d. 31 Desember 2023 Keterangan
Period January 1 to October 10, 2023 Period October 11 to December 31, 2023 Description
Loto Srinaita Ginting Loto Srinaita Ginting -
Komisaris Utama Komisaris Utama
President Commissioner President Commissioner
Makmur Keliat Makmur Keliat -
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
Sudarto Sudarto -
Komisaris Komisaris
Commissioner Commissioner
Umiyatun Hayati Triastuti Umiyatun Hayati Triastuti -
Komisaris Komisaris
Commissioner Commissioner
Rini Widyantini Rini Widyantini -
Komisaris Komisaris
Commissioner Commissioner
Nezar Patria Nezar Patria -
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
Yudi Priambodo P. Yudi Priambodo P. -
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
Muhammad Isnaini Diangkat sebagai Komisaris
Komisaris Independen Independen pada tanggal 11
Independent Commissioner Oktober 2023
Appointed as Independent
Commissioner on October 11, 2023
100 Laporan Tahunan 2023 | PT Pegadaian
Page 101
PT Pegadaian | 2023 Annual Report 101
Page 102
Profil
Direksi Board of Directors' Profile
Eka Pebriansyah
Damar Latri Setiawan
1 Direktur Utama 5 Direktur Jaringan, Operasi, dan Penjualan
Director of Network, Operation, and Sales
President Director
Teguh Wahyono
Direktur Teknologi Informasi dan Elvi Rofiqotul Hidayah
2 Digital
Director of Information Technology
6 Direktur Pemasaran dan Pengembangan Produk
Director of Marketing and Product Development
and Digital
Udin Salahudin
Gunawan Sulistyo Direktur Manajemen Risiko, Legal,
3 Direktur Umum
Director of General Affairs 7 dan Kepatuhan
Director of Risk Management, Legal
and Compliance
Ferdian Timur Satyagraha
4 Direktur Keuangan dan Perencanaan 8
E.R.A. Taufiq
Direktur Human Capital
Strategis Director of Human Capital
Director of Finance and Strategic
Planning
3
6
4
8
Page 103
5
2
1 7
Page 104
Profil Perusahaan
Company Profile
Damar Latri Setiawan
Direktur Utama | President Director
Periode Jabatan | Term of Service
22 Agustus 2022-RUPS Tahun 2027, Periode Kedua
August 22, 2022-GMS in 2027, Second Period
Data Pribadi Personal Data
Warga Negara Indonesia Indonesian Citizen
Usia 52 tahun Age of 52 year old
Domisili Domicile
Jakarta Pusat, DKI Jakarta, Indonesia Jakarta Pusat, DKI Jakarta, Indonesia
Riwayat Penunjukan Appointment History
Penunjukkan Beliau sebagai Direktur Utama berdasarkan His appointment as President Director based on the Decree of
Keputusan Menteri BUMN dan Direktur Utama Perusahaan Minister of SOEs and Decree of President Director of PT Bank
Perseroan (Persero) PT Bank Rakyat Indonesia Tbk No. SK- Rakyat Indonesia (Persero) Tbk No. SK-104/MBU.04/2022 and
104/MBU/04/2022 dan No. 0013-DIR/HCB/04/2022 Tentang No. 0013-DIR/HCB/04/2022 concerning Dismissal, Changes of
Pemberhentian, Perubahan Nomenklatur Jabatan, Pengalihan Nomenclature of Position, Transfer of Duties, and Appointment
Tugas, dan Pengangkatan Anggota-Anggota Direksi PT of members of the Board of Directors of PT Pegadaian, then
Pegadaian, kemudian dikukuhkan dengan Keputusan No. SK-177/ confirmed by Decree No. SK-177/MBU/08/2022 & No. 1389-DIR/
MBU/08/2022 & No. 1389-DIR/CSC/08/2022. CSC/08/2022.
Riwayat Pendidikan Education
• Doktor (S3) Manajemen Pendidikan dari Universitas Negeri • Doctor of Management from Universitas Negeri Jakarta (2012)
Jakarta (2012) • Master of Financial Management from University of Indonesia
• Magister (S2) Manajemen Keuangan dari Universitas Indonesia (2003)
(2003) • Bachelor of Economy on Financial Management from University
• Sarjana (S1) Ekonomi jurusan, Manajemen Keuangan dari of Indonesia, West Java (1999)
Universitas Indonesia (UI), Jawa Barat (1999) • Diploma III from PKN Sekolah Tinggi Akuntansi Negara (STAN)
• Diploma III (D3) PKN Sekolah Tinggi Akuntansi Negara (STAN) Jakarta (1993)
Jakarta (1993)
Sertifikasi yang dimiliki Certification
• Global GRC Benchmarking Series 6 2023, New Zealand (2023) • Global GRC Benchmarking Series 6 2023, New Zealand (2023)
• Program Pendidikan Eksekutif : Global Leadership Seri 1 Tahun • Program Pendidikan Eksekutif : Global Leadership Seri 1 Tahun
2023, Jakarta (2023) 2023, Jakarta (2023)
• Executive Education Directorship Program "High Performance • Executive Education Directorship Program "High Performance
Boards", Jakarta (2020) Boards", Jakarta (2020)
• International Risk Management Refreshment And Wealth • International Risk Management Refreshment And Wealth
Management Certification Program for Executives, Moscow Management Certification Program for Executives, Moscow
(2019) (2019)
• Pelatihan & Sertifikasi Asesor Kompetensi BNSP-BNSP, • Training & Certification for Competency Assessor of BNSP -
Jogjakarta (2016) BNSP, Jogjakarta (2016)
• Workshop Advance Equipment Pegadian G-Lab-Sumarni • Workshop Advance Equipment Pegadaian G-Lab - Sumarni
Paramitha, Jakarta (2016) Paramitha, Jakarta (2016)
• Workshop Enterprise Risk Management ISO 31000 Training for • Workshop Enterprise Risk Management ISO 31000 Training for
CRpCertification-IRBA, Bandung (2016) CRpCertification - IRBA, Bandung (2016)
• Workshop Performance Management System (PMS) Angkatan • Workshop Performance Management System (PMS) Generation
1-PT Pegadaian (Persero), Jakarta (2016) 1 - PT Pegadaian (Persero), Jakarta (2016)
• Leading with Emotional Intelligence course-The Australian • Leading with Emotional Intelligence course - The Australian
Institute of Management (AIM), Sidney Australia (2016) Institute of Management (AIM), Sidney Australia (2016)
• Gemmology Course, Belgia (1997) • Gemmology Course, Belgia (1997)
Riwayat Profesi Professional History
Berkarier di Pegadaian sejak tahun 1995: Career path in Pegadaian since 1995:
• Direktur Utama PT Pegadaian (2022 - Sekarang) • President Director of PT Pegadaian (2022 - Now)
• Direktur Jaringan, Operasi, dan Penjualan (2018-2022) • Director of Network, Operation, and Sales (2018-2022)
• Pelaksana Tugas Direktur Produk (2018) • Acting Director of Product (2018)
• Sekretaris Perusahaan (2016-2017) • Corporate Secretary (2016-2017)
• Pemimpin Wilayah Kanwil XI Semarang (2015-2016) • Head of Semarang XI Regional Office (2015-2016)
• General Manager Bisnis Emas di Kantor Pusat Jakarta (2012- • General Manager of Gold Business at Head Office Jakarta (2012-
2015) 2015)
• Pemimpin Cabang Utama Kantor Cabang Pegadaian Denpasar di • Main Branch Office Head of Pegadaian Denpasar Bali (2011-2012)
Bali (2011-2012) • Pegadaian Kramat Jati Branch Office Head in Jakarta (2010-2011)
• Pemimpin Cabang Kantor Pegadaian Kramat Jati di Jakarta • Regional I Business Development Manager on Pawn Business
(2010- 2011) Division at Jakarta Head Office (2008-2010)
• Manajer Bina Usaha Wilayah I pada Divisi Usaha Gadai di Kantor
Pusat Jakarta (2008-2010)
Rangkap Jabatan Concurrent Position
Ketua Perkumpulan Perusahaan Gadai Indonesia (PPGI) Chairman of the Indonesian Pawn Company Association (PPGI)
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Has no affiliation with member of the Board of Commissioners,
anggota Direksi lain, maupun dengan Pemegang Saham Utama/ other member of Board of Directors, or Major/ Controlling
Pengendali atau dengan Pemerintah Republik Indonesia selaku Shareholders or with the Government of Republic of Indonesia as
entitas pemilik akhir Perusahaan. the Ultimate owner of the Company.
104 Laporan Tahunan 2023 | PT Pegadaian
Page 105
Teguh Wahyono
Direktur Teknologi Informasi dan Digital
Director of Information Technology and Digital
Periode Jabatan | Term of Service
22 Agustus 2022-RUPS Tahun 2027, Periode Kedua
August 22, 2022 - GMS in 2027, Second Period
Data Pribadi Personal Data
Warga Negara Indonesia Indonesian Citizen
Usia 60 tahun Age of 60 year old
Domisili Domicile
Jakarta Pusat, DKI Jakarta, Indonesia Jakarta Pusat, DKI Jakarta, Indonesia
Riwayat Penunjukan Appointment History
Diangkat sebagai Direktur melalui Surat Keputusan Menteri BUMN Appointed as Director through the Decree of the Minister of
No. SK-162/MBU/08/2017 tanggal 21 Agustus 2017 untuk masa SOEs No. SK-162/MBU/08/2017 dated August 21, 2017 for a term
jabatan hingga RUPS yang akan diselenggarakan di tahun 2022, of office until the GMS which held in 2022, then reappointed as
kemudian diangkat kembali sebagai Direktur Teknologi Informasi Director of Information Technology and Digital with Decree No.
dan Digital dengan keputusan No. SK-177/MBU/08/2022 & No. SK-177/MBU/08/2022 & No. 1389-DIR/CSC/08/2022. This position
1389-DIR/CSC/08/2022. Jabatan ini merupakan periode kedua is the second term in the Company's Board of Directors.
dalam jajaran Direksi Perusahaan.
Riwayat Pendidikan Education
• Master (S2) of Finance dari Northeastern University, Amerika • Master (S2) of Finance from Northeastern University, United
Serikat (2000) States (2000)
• Sarjana (S1) Ekonomi dari Universitas Islam Nusantara, Bandung • Bachelor (S1) in Economics from Nusantara Islamic University,
(1991) Bandung (1991)
Sertifikasi yang dimiliki Certification
• Pelatihan Project Management Training - Telkom (Tahun 2001) • Project Management Training - Telkom (2001)
• Management Learning For Financial Executive -IPMI Bussiness • Management Learning For Financial Executive -IPMI Business
School (Tahun 2008) School (2008)
• CFO Becoming Strategic Partner - Wharton Bussiness School • CFO Becoming Strategic Partner - Wharton Business School
(Tahun 2009) (2009)
• Training Manajemen Resiko - ADPI Jakarta (Tahun 2016) • Risk Management Training - ADPI Jakarta (2016)
• Pengetahuan Dasar di Bidang Pensiun - Lembaga Sertifikasi • Basic Knowledge in the Pension Sector - Pension Fund
Dana Pensiun (Tahun 2016) Certification Institute (2016)
• Program People, Culture and Performance Strategies From • People, Culture and Performance Strategies From Silicon Valley
Silicon Valley - Stanford University San Francisco (Tahun 2018) Program - Stanford University San Francisco (2018)
• Risk Management Kompetensi CRP - BNSP (Tahun 2019) • Risk Management Competency CRP - BNSP (2019)
• ERM For Executive For CRP Certification - IRBA (Tahun 2019) • ERM For Executive For CRP Certification - IRBA (Year 2019)
• Trend Kejahatan Siber Perbankan - IBI Bankking Competency • Trends in Banking Cyber Crime - IBI Banking Competency Center
Center (Tahun 2021) (2021)
• Pengelolaan Risiko Kredit Di Era Pandemi Covid - Raharja Duta • Credit Risk Management in the Covid Pandemic Era - Raharja
Solusindo (Tahun 2021) Duta Solusindo (2021)
• Impact of Cryptocurrency & Blockchain Ultra Micro Finance - • Impact of Cryptocurrency & Blockchain Ultra Micro Finance -
Digital Future Exchange (Tahun 2022) Digital Future Exchange (2022)
Riwayat Profesi Professional History
• Direktur Teknologi Informasi dan Digital PT Pegadaian • Director of Information Technology and Digital of
(2017 - sekarang) PT Pegadaian (2017 - Present)
Berkarir di PT Telekomunikasi Indonesia Tbk sejak tahun 1985: Career path at PT Telekomunikasi Indonesia Tbk since 1985:
• Komisaris Utama Mitratel - Telkom (2006-2011) • President Commissioner of Mitratel - Telkom (2006-2011)
• Komisaris Telkom Sigma, PIN (2011 - 2013) • Commissioner of Telkom Sigma, PIN (2011 - 2013)
• Komisaris Utama Telkom Landmark Tower (2013 - 2014) • President Commissioner of Telkom Landmark Tower (2013 - 2014)
• Direktur Utama Yakes Telkom Group (2013-2014) • President Director of Yakes Telkom Group (2013-2014)
• Presiden Direktur Telkom Metra (2014-2016) • President Director of Telkom Metra (2014-2016)
• Komisaris Metra Digital Investasi (2014-2017) • Commissioner of Metra Digital Investment (2014-2017)
Rangkap Jabatan Concurrent Position
Tidak memiliki rangkap jabatan di Pegadaian maupun lembaga lain Has no concurrent position at Pegadaian or other institutions
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Has no affiliation with member of the Board of Commissioners,
anggota Direksi lain, maupun dengan Pemegang Saham Utama/ other members of the Board of Directors, or with the Major/
Pengendali atau dengan Pemerintah Republik Indonesia selaku Controlling Shareholders or with the Government of the Republic
entitas pemilik akhir Perusahaan. of Indonesia as ultimate owner of the Company.
PT Pegadaian | 2023 Annual Report 105
Page 106
Profil Perusahaan
Company Profile
Gunawan Sulistyo
Direktur Umum
Director of General Affairs
Periode Jabatan | Term of Service
27 Februari 2020-RUPS Tahun 2025, Periode Pertama
February 27, 2020 – GMS in 2025, First Period
Data Pribadi Personal Data
Warga Negara Indonesia Indonesian Citizen
Usia 59 tahun Age of 59 year old
Domisili Domicile
Jakarta Selatan, DKI Jakarta, Indonesia South Jakarta, DKI Jakarta, Indonesia
Riwayat Penunjukan Appointment History
Diangkat sebagai Direktur Umum melalui Surat Keputusan Menteri Appointed as Director of General Affairs through the Decree of
BUMN No. SK-58/MBU/02/2020 tanggal 27 Februari 2020 untuk the Minister of SOEs No. SK-58/MBU/02/2020 dated February 27,
masa jabatan hingga RUPS yang akan diselenggarakan di tahun 2020 for a term of office until the GMS which will be held in 2025.
2025. Jabatan ini merupakan periode pertama dalam jajaran This position is the first term on the Company's Board of Directors.
Direksi Perusahaan.
Riwayat Pendidikan Education
• Magister (S2) Manajemen jurusan Manajemen Pemasaran dari • Masters (S2) in Management majoring in Marketing Management
Universitas Gadjah Mada, Yogyakarta (1999) from Gadjah Mada University, Yogyakarta (1999)
• Sarjana (S1) Sosial Ekonomi Pertanian dari Universitas Sebelas • Bachelor (S1) in Social Sciences of Agricultural Economics from
Maret, Surakarta (1991) Sebelas Maret University, Surakarta (1991)
Sertifikasi yang dimiliki Certification
• Impact of Cryptocurrency and Blockchain to Ultra Micro • Impact of Cryptocurrency and Blockchain to Ultra Micro
Financing Business - Digital Futures Exchanges (2022) Financing Business - Digital Futures Exchanges (2022)
• Strategi Bertumbuh dalam Pengelolaan Risiko Kredit di Era • Growth Strategy in Credit Risk Management in the Covid-19
Pandemi Covid-19 - RDS Consultan / Indonesia (2021) Pandemic Era - RDS Consultan / Indonesia (2021)
• Strategy Of Handling Media Interview - Media Group News • Strategy Of Handling Media Interview - Media Group News
(2020) (2020)
• Pendidikan Sertifikasi Manajemen Risiko Level 5 - PT BRI • Level 5 Risk Management Certification Education - PT BRI
(Persero) Tbk (2018) (Persero) Tbk (2018)
• Kesiapan Tanggap Darurat dan Evakuasi Pekerja Akibat • Emergency Response Preparedness and Evacuation of Workers
Gangguan - PT BRI (Persero) Tbk (2017) Due to Disturbances - PT BRI (Persero) Tbk (2017)
• APU & PPT - PT BRI (Persero) Tbk (2015) • APU & CFT - PT BRI (Persero) Tbk (2015)
• ISO 9001 : 2008, Internal Quality Auditor Training - Premysis • ISO 9001 : 2008, Internal Quality Auditor Training - Premysis
(2015) (2015)
• International Certified Wealth Management Program - Universitas • International Certified Wealth Management Program - University
Indonesia (2014) of Indonesia (2014)
• Operasional Perbankan - PT BRI (Persero) Tbk (2013) • Banking Operations - PT BRI (Persero) Tbk (2013)
• The 4 Disciplines Of Execution - Franklin Covey (2013) • The 4 Disciplines Of Execution - Franklin Covey (2013)
Riwayat Profesi Professional History
• Direktur Umum PT Pegadaian (2020 - Sekarang) • Director of General Affairs of PT Pegadaian (2020 - Present)
Berkarir di PT Bank Rakyat Indonesia (Persero) Tbk sejak 2002: Career path at PT Bank Rakyat Indonesia (Persero) Tbk since
• Senior Executive Vice President (SEVP)-Direktorat Manajemen 2002:
Aktiva Tetap dan Pengadaan (2017-2020) • Senior Executive Vice President (SEVP)-Directorate of Fixed
• Executive Vice President (EVP)-Kepala Divisi Pengadaan Barang Asset Management and Procurement (2017-2020)
dan Jasa (2016-2017) • Executive Vice President (EVP)- Division Head of Goods and
• Vice President (VP)-Wakil Kepala Divisi Pendidikan dan Pelatihan Services Procurement (2016-2017)
(2012-2016) • Vice President (VP)-Deputy Division Head of Education and
• Senior Manajer-Kepala Desk Assesment Center Divisi MSDM- Training (2012-2016)
Kepala Bagian Divisi MSDM (2005-2012) • Senior Manager- Division Head of the HRD Assessment Center
Desk- Division Head of the HRM (2005-2012)
Rangkap Jabatan Concurrent Position
Tidak memiliki rangkap jabatan di Pegadaian maupun lembaga lain Has no concurrent position at Pegadaian or other institutions
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Has no affiliation with member of the Board of Commissioners,
anggota Direksi lain, maupun dengan Pemegang Saham Utama/ other members of the Board of Directors, or with the Major/
Pengendali atau dengan Pemerintah Republik Indonesia selaku Controlling Shareholders or with the Government of the Republic
entitas pemilik akhir Perusahaan. of Indonesia as ultimate owner of the Company.
106 Laporan Tahunan 2023 | PT Pegadaian
Page 107
Ferdian Timur Satyagraha
Direktur Keuangan dan Perencanaan Strategis
Director of Finance and Risk Management
Periode Jabatan | Term of Service
14 Januari 2022-RUPS Tahun 2027, Periode Pertama
January 14, 2022 - GMS in 2027, First Period
Data Pribadi Personal Data
Warga Negara Indonesia Indonesian Citizen
Usia 41 tahun Age of 41 year old
Domisili Domicile
Jakarta Pusat, DKI Jakarta, Indonesia Central Jakarta, DKI Jakarta, Indonesia
Riwayat Penunjukan Appointment History
Penunjukkan Beliau sebagai Direktur Keuangan dan Perencanaan His appointment as Director of Finance and Risk Management
Strategis Berdasarkan Keputusan Menteri BUMN dan Direktur based on Decree of Minister of SOEs and President Director of PT
Utama Perusahaan Perseroan (Persero) PT Bank Rakyat Indonesia BRI (Persero) Tbk, No. SK-104/ MBU/04/2022 and No. 0013-DIR/
Tbk No. SK-164/MBU/06/2023 dan No. 0629-DIR/HCB/06/2023 HCB/04/2022 concerning Dismissal, Changes of Nomenclature of
Tanggal 23 Juni 2023 Tentang Pemberhentian, Perubahan Job, Transfer of Duties, and Appointment of members of the Board
Nomenklatur Jabatan, Pengalihan Tugas, dan Pengangkatan of Directors of PT Pegadaian.
Anggota-Anggota Direksi PT Pegadaian.
Riwayat Pendidikan Education
• S3-Doktor Ilmu Ekonomi, Universitas Airlangga (2022) • Phd - Doctor of Economics, Airlangga University (2022)
• S2-MBA, International Bussiness & Electronic Business, Deakin • MBA of International Business & Electronic Business, Daekin
University-Melbourne (2007) University-Melbourne (2007)
• Sarjana (S1) Finance, Deakin University-Melbourne (2006) • Bachelor of Finance, Deakin University-Melbourne (2006)
Sertifikasi yang dimiliki Certification
• Membangun Budaya Risiko (Risk Culture) yang sehat di • Building a healthy Risk Culture in Company and Strategic Trend
Perusahaan & Tren Strategis di Perekonomian Indonesia BSMR in the Indonesian Economy, BSMR Level 5 by PT Strategic
Level 5 by PT Strategic Development Group (SDG) (2022) Development Group (SDG) (2022)
• General Banking Level 3 by Lembaga Sertifikasi Profesi • General Banking Level 3 by Banking Professional Certification
Perbankan (2022) Institute (2022)
• CFO Schol by Kementerian BUMN (2022) • CFO Schol by Ministry of SOEs (2022)
• Refreshment Sertifikasi Treasury Level Advance (2021) • Advance Level Treasury Certification Refreshment (2021)
• Stadium Generale Marketing Technology And Humanity By • Stadium Generale Marketing Technology And Humanity By
PT Markplus Indonesia (2021) PT Markplus Indonesia (2021)
• Keuangan Berkelanjutan (Sustainable Finance) : Integrasi • Sustainable Finance: Integration of Risk Management & Social
Manajemen Risiko & Tata kelola Sosial dan Lingkungan pada and Environmental Governance in Bank (2020)
Bank (2020) • Public Training CFQ Prepatory Class by Fidelitas Advisory (2021)
• Public Training CFQ Prepatory Class by Fidelitas Advisory (2021) • BPDSI National Seminar by ASBANDA (2020)
• Seminar Nasional BPDSI by ASBANDA (2020) • CEO Meeting by ASBANDA (2020)
• CEO Meeting by ASBANDA (2020) • Issues On Debts/Sukuk Issurance & Us Recession Watch by Bank
• Issues On Debts/Sukuk Issurance & Us Recession Watch by Bank Mega (2019)
Mega (2019) • Education and Training School for Bank Staff and Leaders
• Pendidikan dan Pelatihan Sekolah Staff dan Pimpinan Bank (SESPIBANK) by the Indonesian Banking Development Institute
(SESPIBANK) by Lembaga Pengembangan Perbankan Indonesia (2018)
(2018) • Education and Training for Qualified Risk Governance
• Pendidikan dan Pelatihan Persiapan Ujian Professional Tata Professional (QRGP) Exam Preparation (2018)
Kelola Risiko Berkualifikasi (QRGP) (2018)
Riwayat Profesi Professional History
• Direktur Keuangan dan Perencanaan Strategis PT Pegadaian • Director of Finance and Strategic Planning of PT Pegadaian
(Juni 2023-Sekarang) (June 2023-Present)
• Direktur Keuangan, Perencanaan Strategis dan Manajemen • Director of Finance, Strategic Planning and Risk Management of
Resiko PT Pegadaian (Januari 2022-Juni 2023) PT Pegadaian (January 2022-June 2023)
• Direktur Keuangan Bank Jatim (Desember 2017-Januari 2022) • Director of Finance at Bank Jatim (2017-Januari 2022)
• Plt. Direktur Konsumer, Ritel & Usaha Syariah Bank Jatim • Acting Director of Consumer, Retail & Sharia Business at Bank
(Agustus 2020-Januari 2022) Jatim (August 2020-January 2022)
• Plt. Direktur Utama Bank Jatim (Mei 2019-Juli 2020) • Acting President Director at Bank Jatim (May 2019-July 2020)
• Plt. Direktur Teknologi Informasi & Operasi Bank Jatim • Acting Director of Information Technology & Operations at Bank
(Mei 2019-Oktober 2019) Jatim (May 2019-October 2019)
Rangkap Jabatan Concurrent Position
Tidak memiliki rangkap jabatan di Pegadaian maupun lembaga lain Has no concurrent position at Pegadaian or other institutions
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Has no affiliation with member of the Board of Commissioners,
anggota Direksi lain, maupun dengan Pemegang Saham Utama/ other members of the Board of Directors, or with the Major/
Pengendali atau dengan Pemerintah Republik Indonesia selaku Controlling Shareholders or with the Government of the Republic
entitas pemilik akhir Perusahaan. of Indonesia as ultimate owner of the Company.
PT Pegadaian | 2023 Annual Report 107
Page 108
Profil Perusahaan
Company Profile
Eka Pebriansyah
Direktur Jaringan, Operasi, dan Penjualan
Director of Network, Operation, and Sales
Periode Jabatan | Term of Service
25 April 2022-RUPS Tahun 2027, Periode Pertama
April 25, 2022- GMS in 2027, First Period
Data Pribadi Personal Data
Warga Negara Indonesia Indonesian Citizen
Usia 50 tahun Age of 50 year old
Domisili Domicile
Jakarta Pusat, DKI Jakarta, Indonesia Central Jakarta, DKI Jakarta, Indonesia
Riwayat Penunjukan Appointment History
Penunjukkan Beliau sebagai Direktur Jaringan, Operasi, dan His appointment as Director of Network, Operation, and Sales
Penjualan Berdasarkan Keputusan Menteri BUMN dan Direktur based on Decree of Minister of SOEs and President Director of PT
Utama Perusahaan Perseroan (Persero) PT Bank Rakyat Indonesia BRI (Persero) Tbk, No. sk-104/MBU/04/2022 and No. 0013-DIR/
Tbk No. SK-104/MBU/04/2022 dan No. 0013-DIR/HCB/04/2022 HCB/04/2022 concerning Dismissal, Changes of Nomenclature of
Tentang Pemberhentian, Perubahan Nomenklatur Jabatan, Position, Transfer of Duties, and Appointment of members of the
Pengalihan Tugas, dan Pengangkatan Anggota-Anggota Direksi PT Board of Directors of PT Pegadaian.
Pegadaian.
Riwayat Pendidikan Education
• Sarjana (S1) Manajemen, Universitas Sebelas Maret, Solo (1999) • Bachelor (S1) in Management from Sebelas Maret University, Solo
• Diploma (D3) Spesialisasi Pegadaian, Prodip III Pegadaian, (1999)
Jakarta (1995) • Diploma (D3) Specialization in Pegadaian, Prodip III Pegadaian,
Jakarta (1995)
Sertifikasi yang dimiliki Certification
• Communication Skills Training for Leader - Achievement • Communication Skills Training for Leaders - Achievement
Consultant (2020); Consultant (2020);
• Reprogramming Program For Executive Leader - Biro Psikologi • Reprogramming Program For Executive Leaders - Biro Psikologi
Psikodinamika (2019) Psikodinamika (2019)
• Strategic Discussion Forum & Sharing Best Practices “Digital • Strategic Discussion Forum & Sharing Best Practices "Digital
Leadership” - Pertamina Training Consulting (2019) Leadership" - Pertamina Training Consulting (2019)
• Advance Leadership - Pegadaian Corporate University (2018) • Advance Leadership - Pegadaian Corporate University (2018)
• Enterprise Risk Management - IRBA Pratama (2018) • Enterprise Risk Management - IRBA Pratama (2018)
• ERM ISO 31000 Manajemen Risiko Operasional - PT Daya Makara • ERM ISO 31000 Operational Risk Management - PT Daya Makara
UI (2011) UI (2011)
Riwayat Profesi Professional History
• Direktur Jaringan, Operasi, dan Penjualan PT Pegadaian • Director of Network, Operation, and Sales of PT Pegadaian
(2022-Sekarang) (2022-present)
• Pemimpin Wilayah Balikpapan - PT Pegadaian (2019-2022) • Head of Balikpapan Regional - PT Pegadaian (2019-2022)
• Pemimpin Wilayah Palembang - PT Pegadaian (2019-2022) • Head of Palembang Regional - PT Pegadaian (2019-2022)
• Deputy Bisnis Area Bogor - PT Pegadaian (2015-2018) • Business Deputy of Bogor Area - PT Pegadaian (2015-2018)
Rangkap Jabatan Concurrent Position
Pengawas Perkumpulan Perusahaan Gadai Indonesia (PPGI) Supervisor of the Indonesian Pawn Company Association (PPGI)
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Has no affiliation with member of the Board of Commissioners,
anggota Direksi lain, maupun dengan Pemegang Saham Utama/ other members of the Board of Directors, or with the Major/
Pengendali atau dengan Pemerintah Republik Indonesia selaku Controlling Shareholders or with the Government of the Republic
entitas pemilik akhir Perusahaan. of Indonesia as ultimate owner of the Company.
108 Laporan Tahunan 2023 | PT Pegadaian
Page 109
Elvi Rofiqotul Hidayah
Direktur Pemasaran dan Pengembangan Produk
Director of Marketing and Product Development
Periode Jabatan | Term of Service
25 April 2022-RUPS Tahun 2027, Periode Pertama
April 25, 2022-GMS in 2027, First Period
Data Pribadi Personal Data
Warga Negara Indonesia Indonesian Citizen
Usia 52 tahun Age of 52 year old
Domisili Domicile
Malang, Jawa Timur, Indonesia Malang, East Java, Indonesia
Riwayat Penunjukan Appointment History
Penunjukkan Beliau sebagai Direktur Pemasaran dan Her appointment as Director of Marketing and Product
Pengembangan Produk Berdasarkan Keputusan Menteri BUMN dan Development based on Decree of Minister of SOEs and President
Direktur Utama Perusahaan Perseroan (Persero) PT Bank Rakyat Director of PT BRI (Persero) Tbk, No. sk-104/MBU/04/2022 and
Indonesia Tbk No. SK-104/MBU/04/2022 dan No. 0013-DIR/ No. 0013-DIR/HCB/04/2022 concerning Dismissal, Changes of
HCB/04/2022 Tentang Pemberhentian, Perubahan Nomenklatur Nomenclature of Position, Transfer of Duties, and Appointment of
Jabatan, Pengalihan Tugas, dan Pengangkatan Anggota-Anggota members of the Board of Directors of PT Pegadaian.
Direksi PT Pegadaian.
Riwayat Pendidikan Education
• Magister (S2) Pemasaran, Universitas Wijaya Kusuma, Surabaya • Masters (S2) in Marketing from Wijaya Kusuma University,
(2002) Surabaya (2002)
• Sarjana (S1) Manajemen, Universitas Gresik (2000) • Bachelor (S1) in Management from Gresik University (2000)
• Diploma (D3) Spesialisasi Pegadaian, STAN Prodip Keuangan, • Diploma (D3) Specialization in Pegadaian from STAN Finance
Jakarta (1999) Prodip, Jakarta (1999)
Sertifikasi yang dimiliki Certification
• Global Leadership Seri 1 Tahun 2023- Thunderbird School • Global Leadership Series 1 Year 2023- Thunderbird School
Arizona University (2023) Arizona University (2023)
• On Boarding Directorship Program Angkatan 5 Tahun 2023 - • On Boarding Directorship Program Batch 5 of 2023 - BUMN
BUMN Leadership Management Institute (BLMI) & FHCI (2023) Leadership Management Institute (BLMI) & FHCI (2023)
• Certified Risk Professional - Manajemen Risiko Utama (BNSP - • Certified Risk Professional - Main Risk Management (BNSP -
2021) 2021)
• Webinar Pegadaian Global Series (2nd Series) dengan tema • Pegadaian Global Series (2nd Series) Webinar with the theme
Shaping Markets and Creating Movements by Thunderbird Shaping Markets and Creating Movements by Thunderbird
School of Global Management - Thunderbird (2021) School of Global Management - Thunderbird (2021)
• Certified Professional Marketer (Asia) - Markplus (2021) • Certified Professional Marketer (Asia) - Markplus (2021)
• Manajemen Risiko - An. BNSP Lembaga Sertifikasi Profesi Pasar • Risk Management - BNSP Capital Market Professional
Modal Certification Institute
• Webinar Transformation starts with change, agile Leaders - • Webinar Transformation starts with change, agile Leaders -
Frudential - (2020) Frudential - (2020)
• Strategic Discussion Forum & Sharing Best - Pertamina Training • Strategic Discussion Forum & Sharing Best - Pertamina Training
Consulting (2019) Consulting (2019)
• Certified Profesional Marketer - Markplus (2019) • Certified Professional Marketer - Markplus (2019)
Riwayat Profesi Professional History
• Direktur Pemasaran dan Pengembangan Produk PT Pegadaian • Director of Marketing and Product Development of PT Pegadaian
(2022-sekarang) (2022-present)
• Kepala Divisi PMO dan Manajemen Perubahan (2022) • Division Head of PMO and Change Management (2022)
• Kepala Divisi Pemasaran (2018-2022) • Division Head of Marketing (2018-2022)
• Deputi Bisnis Area Malang (2015-2018) • Business Deputy of Malang Area (2015-2018)
Rangkap Jabatan Concurrent Position
Tidak memiliki rangkap jabatan di Pegadaian maupun lembaga lain Has no concurrent position at Pegadaian or other institutions
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Has no affiliation with member of the Board of Commissioners,
anggota Direksi lain, maupun dengan Pemegang Saham Utama/ other members of the Board of Directors, or with the Major/
Pengendali atau dengan Pemerintah Republik Indonesia selaku Controlling Shareholders or with the Government of the Republic
entitas pemilik akhir Perusahaan. of Indonesia as ultimate owner of the Company.
PT Pegadaian | 2023 Annual Report 109
Page 110
Profil Perusahaan
Company Profile
Udin Salahudin
Direktur Manajemen Risiko, Legal, dan Kepatuhan
Director of Risk Management, Legal and Compliance
Periode Jabatan | Term of Service
23 Juni 2023-RUPS Tahun 2028, Periode Pertama
June 23, 2023 – GMS in 2028, First Period
Data Pribadi Personal Data
Warga Negara Indonesia Indonesian Citizen
Usia 51 tahun Age of 51 year old
Domisili Domicile
Jakarta Pusat, DKI Jakarta, Indonesia Central Jakarta DKI Jakarta, Indonesia
Riwayat Penunjukan Appointment History
Penunjukkan Beliau sebagai Direktur Manajemen Risiko, legal, His appointment as Director of Risk Management, Legal and
dan Kepatuhan Berdasarkan Keputusan Menteri Badan Usaha Compliance Based on the Decree of the Minister of State-
Milik Negara dan Direktur Utama Perusahaan Perseroan (Persero) Owned Enterprises and President Director of PT Bank Rakyat
PT Bank Rakyat Indonesia Tbk No. SK-164/MBU/06/2023 dan Indonesia Tbk No. SK-164/MBU/06/2023 and No. 0629-DIR/
No. 0629-DIR/HCB/06/2023 Tanggal 23 Juni 2023 Tentang HCB/06/2023 Dated June 23, 2023 concerning Dismissal, Changes
Pemberhentian, Perubahan Nomenklatur Jabatan, Pengalihan in Nomenclature of Position, Transfer of Duties, and Appointment
Tugas, dan Pengangkatan Anggota-Anggota Direksi PT Pegadaian. of Members of the Board of Directors of PT Pegadaian.
Riwayat Pendidikan Education
• Master (S2) Manajemen Banking & Finance di Universitas • Master (S2) in Banking & Finance Management at the University
Indonesia (2012) of Indonesia (2012)
• Sarjana (S1) Akuntansi di Universitas Andalas (1998) • Bachelor (S1) in Accounting at Andalas University (1998)
Sertifikasi yang dimiliki Certification
• BLMI GRC Masterclass - Pre IPO dan Post IPO (2023) • BLMI GRC Masterclass - Pre IPO and Post IPO (2023)
• BLMI GRC Masterclass - Pemeringkatan & Penerbitan Efek • BLMI GRC Masterclass - Rating & Issuance of Debt Securities &
bersifat Utang & Sukuk - EBUS (2023) Sukuk - EBUS (2023)
• Qualified Risk Governance Professional (2023) • Qualified Risk Governance Professional (2023)
• Risk Beyond 2022 International Conference - ERMA (Enterprise • Risk Beyond 2022 International Conference - ERMA (Enterprise
Risk Management Academy) (2022) Risk Management Academy) (2022)
• Enterprise Risk Management - IRBA (Indonesia Risk and Business • Enterprise Risk Management - IRBA (Indonesia Risk and Business
Advisory) (2021) Advisory) (2021)
• Certified Risk Professional - BNSP (2021) • Certified Risk Professional - BNSP (2021)
Riwayat Profesi Professional History
• Direktur Manajemen Risiko, Legal, dan Kepatuhan PT Pegadaian • Director of Risk Management, Legal and Compliance of
(2023-Sekarang) PT Pegadaian (2023-Now)
• SEVP Manajemen Risiko - PT Pegadaian (2022-2023) • SEVP Risk Management - PT Pegadaian (2022-2023)
• SEVP Transformation Office - PT Pegadaian (2021 -2022) • SEVP Transformation Office - PT Pegadaian (2021 -2022)
• Pemimpin Wilayah Kantor Wilayah X Bandung - PT Pegadaian • Regional Head of Bandung X Regional Office - PT Pegadaian
(Persero) (2020-2021) (Persero) (2020-2021)
• Kepala Divisi Perencanaan Strategis - PT Pegadaian (Persero) • Division Head of Strategic Planning - PT Pegadaian (Persero)
(2018-2020) (2018-2020)
• GM Strategic Perfomance & Change Management - PT Pegadaian • GM of Strategic Performance & Change Management -
(Persero) (2016-2018) PT Pegadaian (Persero) (2016-2018)
Rangkap Jabatan Concurrent Position
Tidak memiliki rangkap jabatan di Pegadaian maupun lembaga lain Has no concurrent position at Pegadaian or other institutions
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Has no affiliation with member of the Board of Commissioners,
anggota Direksi lain, maupun dengan Pemegang Saham Utama/ other members of the Board of Directors, or with the Major/
Pengendali atau dengan Pemerintah Republik Indonesia selaku Controlling Shareholders or with the Government of the Republic
entitas pemilik akhir Perusahaan. of Indonesia as ultimate owner of the Company.
110 Laporan Tahunan 2023 | PT Pegadaian
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E.R.A. Taufiq
Direktur Human Capital
Director of Human Capital
Periode Jabatan | Term of Service
23 Juni 2023-RUPS Tahun 2028, Periode Pertama
June 23, 2023 – GMS in 2028, First Period
Data Pribadi Personal Data
Warga Negara Indonesia Indonesian Citizen
Usia 56 tahun Age of 56 year old
Domisili Domicile
Bekasi, Jawa Barat Bekasi, West Java
Riwayat Penunjukan Appointment History
Diangkat sebagai Direktur Human Capital melalui Surat Keputusan Appointed as Director of Human Capital through Decree of the
Keputusan Menteri Badan Usaha Milik Negara dan Direktur Utama Minister of State-Owned Enterprises and President Director of
Perusahaan Perseroan (Persero) PT Bank Rakyat Indonesia Tbk No. PT Bank Rakyat Indonesia Tbk No. SK-164/MBU/06/2023 and
SK-164/MBU/06/2023 dan No. 0629-DIR/HCB/06/2023 Tanggal No. 0629-DIR/HCB/06/2023 Dated June 23, 2023 concerning
23 Juni 2023 Tentang Pemberhentian, Perubahan Nomenklatur Dismissal, Changes in Nomenclature of Position, Transfer of Duties,
Jabatan, Pengalihan Tugas, dan Pengangkatan Anggota-Anggota and Appointment of Members of the Board of Directors of PT
Direksi PT Pegadaian. Pegadaian.
Riwayat Pendidikan Education
• Sarjana (S1) Hukum Perdata dari Universitas Katolik Parahyangan • Bachelor (S1) in Civil Law from Parahyangan Catholic University
(1991) (1991)
Sertifikasi yang dimiliki Certification
• BRILiaN Leaders Development Program 1 - BRI Corpu (2022) • BRILiaN Leaders Development Program 1 - BRI Corpu (2022)
• BSDP For Senior Leader Regional Office, Audit Intern Wilayah • BSDP For Senior Leader Regional Office, Regional Internal Audit
dan Head Office Modul Key Perfomance Indicator - BRI Corpu and Head Office Key Performance Indicator Module - BRI Corpu
(2022) (2022)
• Continous Perfomance Management Pejabat Level EVP - BRI • Continuous Performance Management for EVP Level Officials -
Corpu (2020) BRI Corpu (2020)
• Manajemen Risiko Dana Pensiun Utama - BNSP (2020) • Main Pension Fund Risk Management - BNSP (2020)
• Human Capital Business Partner - GML Consulting (2020) • Human Capital Business Partner - GML Consulting (2020)
• Assessment Center Assessor Certification (ACAC) - PPM • Assessment Center Assessor Certification (ACAC) - PPM
Manajemen (2019) Management (2019)
• Job Analysis The Making of Job Description - Hay Group (2006) • Job Analysis on the Making of Job Description - Hay Group
• Executive Compensation & Benefits - IQPC Worldwide Pte Ltd (2006)
(2005) • Executive Compensation & Benefits - IQPC Worldwide Pte Ltd
(2005)
Riwayat Profesi Professional History
• Direktur Human Capital PT Pegadaian (2023- Sekarang) • Director of Human Capital of PT Pegadaian (2023-Now)
• Division Head Human Capital Business Partner - PT BRI (Persero) • Division Head of Human Capital Business Partner -
Tbk (2019-2022) PT BRI (Persero) Tbk (2019-2022)
• Kepala Divisi Kebijakan dan Pengembangan Human Capital - • Division Head of Human Capital Policy and Development -
PT BRI (Persero) Tbk (2019) PT BRI (Persero) Tbk (2019)
• Wakil Kepala Divisi Kebijakan dan Pengembangan Human Capital • Deputy Division Head of the Human Capital Policy and
bidang Manajemen Karir - PT BRI (Persero) Tbk (2014-2019) Development for Career Management - PT BRI (Persero) Tbk
• Kepala Bagian Pengembangan Karier - PT BRI (Persero) Tbk (2014-2019)
(1 Mei 2012 - 28 Februari 2014) • Head of Career Development Department - PT BRI (Persero) Tbk
• Kepala Bagian Operasional SDM - PT BRI (Persero) Tbk (May 1, 2012 - February 28, 2014)
(1 Maret 2012 - 30 April 2012) • Head of HR Operations - PT BRI (Persero) Tbk
• Kepala Bagian Assessment Center - PT BRI (Persero) Tbk (March 1, 2012 - April 30, 2012)
(1 Oktober 2007 - 29 Februari 2012) • Head of Assessment Center - PT BRI (Persero) Tbk
(October 1, 2007 - February 29, 2012)
Rangkap Jabatan Concurrent Position
Tidak memiliki rangkap jabatan di Pegadaian maupun lembaga lain Has no concurrent position at Pegadaian or other institutions
Hubungan Afiliasi Affiliation
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Has no affiliation with member of the Board of Commissioners,
anggota Direksi lain, maupun dengan Pemegang Saham Utama/ other members of the Board of Directors, or with the Major/
Pengendali atau dengan Pemerintah Republik Indonesia selaku Controlling Shareholders or with the Government of the Republic
entitas pemilik akhir Perusahaan. of Indonesia as ultimate owner of the Company.
PT Pegadaian | 2023 Annual Report 111
Page 112
Profil Perusahaan
Company Profile
Komposisi dan Profil Direksi
Composition and Profile of the Board of Directors
Kronologis perubahan susunan dan komposisi Direksi Chronology of changes in the structure and
sepanjang tahun 2023 adalah sebagai berikut: composition of the Board of Directors throughout
2023 is as follows:
Periode 1 Januari s.d. 22 juni 2023 Periode 23 Juni s.d. 31 Desember 2023 Keterangan
Period January 1 to June 22, 2023 Period June 22 to December 31, 2023 Description
Damar Latri Setiawan Damar Latri Setiawan -
Direktur Utama Direktur Utama
President Director President Director
Teguh Wahyono Teguh Wahyono -
Direktur Teknologi Informasi dan Digital Direktur Teknologi Informasi dan Digital
Director of Information Technology and Director of Information Technology and
Digital Digital
Gunawan Sulistyo Gunawan Sulistyo -
Direktur Umum Direktur Umum
Director of General Affairs Director of General Affairs
Eka Pebriansyah Eka Pebriansyah -
Direktur Jaringan, Operasi dan Penjualan Direktur Jaringan, Operasi dan Penjualan
Director of Network, Operations, and Director of Network, Operations, and
Sales Sales
Elvi Rofiqotul Hidayah Elvi Rofiqotul Hidayah -
Direktur Pemasaran dan Pengembangan Direktur Pemasaran dan Pengembangan
Produk Produk
Director of Marketing and Product Director of Marketing and Product
Development Development
Ferdian Timur Satyagraha Ferdian Timur Satyagraha Dialihkan penugasan menjadi Direktur
Direktur Keuangan dan Manajemen Risiko Direktur Keuangan dan Perencanaan Keuangan dan Perencanaan Strategis
Director of Finance and Risk Management Strategis sejak tanggal 23 Juni 2023
Director of Finance and Strategic Assigned to Director of Finance and
Planning Strategic Planning since June 23, 2023
Ridwan Arbian Syah - Diberhentikan dengan hormat sejak
Direktur Human Capital, Legal, dan tanggal 23 Juni 2023
Compliance Honorably dismissed from June 23, 2023
Director of Human Capital, Legal, and
Compliance
Udin Salahudin Diangkat menjadi Direktur Manajemen
Direktur Manajemen Risiko, Legal, dan Risiko, Legal, dan Kepatuhan sejak
Kepatuhan tanggal 23 Juni 2023
Director of Risk Management, Legal and Appointed as Director of Risk
Compliance Management, Legal and Compliance since
June 23, 2023
- E.R.A. Taufiq Diangkat menjadi Direktur Human Capital
Direktur Human Capital sejak tanggal 23 Juni 2023
Director of Human Capital Appointed as Director of Human Capital
since June 23, 2023
/
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Profil Pejabat Eksekutif
Profile of Executive Officers
Menjabat Pendidikan
Nama Jabatan Usia Domisili Riwayat Jabatan
No. Sejak Terakhir
Name Position Age Domicile Professional History
Served Since Education
1 Hermawan Kepala Satuan 02/01/2023 54 Tahun 9 Jakarta 1. Pemimpin Wilayah IV S1
Aries Andi Pengawasan Bulan Balikpapan Bachelor
Intern 54 Years 9 2. Kepala Divisi Manajemen Degree
Head of Months Risiko Operasi & Korporasi
Internal Audit 3. Inspektur Pusat SPI
Unit 1. Leader of Region IV
Balikpapan
2. Head of Operations &
Corporate Risk Management
Division
3. SPI Central Inspector
2 Sahat Kepala 18/07/2022 41 Tahun 0 Jakarta - -
Pangabahan Transformation Bulan
Pangaribuan Office 41 Years 0
Head of Months
Transformation
Office
3 Yudi Sadono Sekretaris 23/08/2022 51 Tahun 6 Jakarta 1. Kepala Divisi Produk Emas S1
Perusahaan Bulan 2. Kepala DIvisi Jaringan & Bachelor
Corporate 51 Years 6 Operasional Degree
Secretary Months 3. Pemimpin Wilayah X
Bandung
1. Head of Gold Products
Division
2. Head of Network &
Operations Division
3. Leader of Region X Bandung
4 Gede Kepala Divisi 12/04/2022 54 Tahun 4 Jakarta 1. Kepala DIvisi Manajemen S1
Suhardantara Akuntansi Bulan Kinerja perusahaan Bachelor
Head of 54 Years 4 2. Sekretaris Perusahaan Degree
Accounting Months 3. General Manager Tresuri
Division 1. Head of the company's
Performance Management
Division
2. company secretary
3. General Manager Treasury
5 Sriyani Kepala Divisi 03/01/2022 54 Tahun 7 Jakarta 1. Direktur Utama PT Pesonna S2
Budaya Kerja Bulan Indonesia Jaya Master
Head of Work 54 Years 7 2. Deputy Bisnis Kantor Area Degree
Culture Division Months Surakarta
3. Deputy Bisnis Kantor Area
Tegal
1. President Director of PT
Pesonna Indonesia Jaya
2. Deputy Business Surakarta
Area Office
3. Deputy Business Tegal Area
Office
6 Rully Yusuf Kepala Divisi 03/01/2022 53 Tahun 4 Jakarta 1. Kepala Divisi Budaya Kerja S2
Corporate Bulan 2. Kepala DIvisi Unit Usaha Master
Social 53 Years 4 Syariah Degree
Responsibility Months 3. Inspektur Wilayah
Head of 1. Head of Work Culture
Corporate Division
Social 2. Head of Sharia Business Unit
Responsibility Division
Division 3. Regional Inspector
PT Pegadaian | 2023 Annual Report 113
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Profil Perusahaan
Company Profile
Menjabat Pendidikan
Nama Jabatan Usia Domisili Riwayat Jabatan
No. Sejak Terakhir
Name Position Age Domicile Professional History
Served Since Education
7 Teguh Budi Kepala Divisi 05/10/2021 51 Tahun 11 Jakarta 1. Kepala Divisi Produk Fee S2
Ismanto Digital Lending Bulan Based Master
& Payment 51 Years 11 2. Koordinator Biro E-Channel Degree
Head of Digital Months 3. Manager Kinerja &
Lending & Operasional Produk
Payment e-Channel
Division 1. Head of Fee Based Products
Division
2. E-Channel Bureau
Coordinator
3. e-Channel Product
Performance & Operations
Manager
8 Ferry Kepala Divisi 16/04/2022 47 Tahun Jakarta 1. Deputy Bisnis Area S1
Hariawan Hubungan 10 Bulan Jatiwaringin Bachelor
Kelembagaan 47 Years 10 2. Deputy Bisnis Area Banda Degree
Head of Months Aceh
Institutional 3. Manager Pemasaran & Literasi
Relations 1. Deputy Business Area
Division Jatiwaringin
2. Deputy Business Area Banda
Aceh
3. Marketing & Literacy Manager
9 Holilurrohman Kepala Divisi 27/05/2019 50 Tahun 12 Jakarta 1. Manager Bantuan Hukum S2
Hukum Bulan 2. Manager Litigasi
Head of Legal 50 Years 12 3. Legal Officer Divisi Hukum
Division Months 1. Legal Aid Manager
2. Litigation Manager
3. Legal Officer Legal Division
10 Eko Haryono Kepala Divisi IT 12/01/2021 56 Tahun 4 Jakarta 1. Profesional Divisi Strategi, S1
Security Bulan Arsitektur & Perencanaan TI Bachelor
Head of IT 56 Years 4 2. Deputy Operasional & Degree
Security Months Jaringan TI
Division 3. Manajer Operasional
Teknologi Informasi
1. IT Strategy, Architecture &
Planning Division Professional
2. Deputy IT Operations &
Network
3. Information Technology
Operations Manager
11 Hertin Maulida Kepala Divisi 03/01/2022 55 Tahun 7 Jakarta 1. Kepala Divisi Kemitraan dan S2
Rahmi Kepatuhan Bulan Bina Lingkungan Master
Head of 55 Years 7 2. Koordinator Biro Program Degree
Compliance Months Kemitraan, Bina Lingkungan
Division & Corporate Social
Responsibility
3. Deputy Bisnis Bogor
1. Head of Partnership and
Community Development
Division
2. Coordinator of the
Partnership, Community
Development & Corporate
Social Responsibility Program
Bureau
3. Bogor Business Deputy
12 Ngadenan Kepala Divisi 29/12/2020 53 Tahun 10 Jakarta 1. Kepala Divisi Perencanaan S2
Manajemen Bulan Strategis Master
Aset Tetap 53 Years 10 2. Pemimpin Wilayah IX Jakarta Degree
Head of Months 2
Fixed Asset 3. Kepala DIvisi Produk Gadai
Management 1. Head of Strategic Planning
Division Division
2. Leader of Region IX Jakarta 2
3. Head of Pawn Products
Division
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Menjabat Pendidikan
Nama Jabatan Usia Domisili Riwayat Jabatan
No. Sejak Terakhir
Name Position Age Domicile Professional History
Served Since Education
13 Rinny Amelia Kepala Divisi 12/04/2022 46 Tahun 3 Jakarta 1. Inspektur Pusat SPI S2
Hadjoh Manajemen Bulan 2. Senior Auditor II Kantor Master
Kinerja 46 Years 3 Pemeriksaan Tabanan Degree
Perusahaan Months 3. Auditor Madya Kantor
Head of Pemeriksaan Praya
Company 1. SPI Central Inspector
Performance 2. Senior Auditor II Tabanan
Management Audit Office
Division 3. Praya Audit Office
Intermediate Auditor
14 Hakim Kepala Divisi 30/12/2022 55 Tahun 9 Jakarta 1. Pemimpin Wilayah VII S2
Setiawan Manajemen Bulan Denpasar Master
Risiko Operasi 55 Years 9 2. Pemimpin Wilayah IX Jakarta Degree
& Korporasi Months 2
Head of 3. Pemimpin Wilayah I Medan
Operations & 1. Leader of Region VII
Corporate Risk Denpasar
Management 2. Leader of Region IX Jakarta 2
Division 3. Leader of Region I Medan
15 Noor Kepala Divisi 11/07/2022 51 Tahun 1 Jakarta 1. Kepala Divisi Pengembangan S1
Hidayanto Operasional Bulan Aplikasi TI Bachelor
dan 51 Years 1 2. Senior Manager IT Planning Degree
Infrastruktur TI Month 3. Manager IT Security System
Head of IT 1. Head of IT Application
Operations and Development Division
Infrastructure 2. Senior Manager IT Planning
Division 3. IT Security Systems Manager
16 Muhamad Kepala Divisi 03/01/2022 56 Tahun 0 Jakarta 1. Deputy Operasional XII S2
Andi Ibrahim S Operasional Bulan Surabaya Master
Human Capital 56 Years 0 2. Deputy Bisnis Area Makassar Degree
Head of Months 2
Human Capital 3. Manager Pengembangan
Operations Human Capital
Division 1. Deputy Operations XII
Surabaya
2. Makassar Area Business
Deputy 2
3. Human Capital Development
Manager
17 Arifmon Kepala Divisi 29/03/2023 54 Tahun 5 Jakarta 1. Direktur Galeri 24 S2
Pegadaian Bulan 2. Pemimpin Wilayah VIII Master
Corporate 54 Years 5 Jakarta Degree
University Months 3. Pemimpin Wilayah II
Head of Pekanbaru
Pegadaian 1. Director of Gallery 24
Corporate 2. Leader of Region VIII Jakarta
University 3. Leader of Region II
Division Pekanbaru
18 Luh Putu Kepala Divisi 24/01/2022 49 Tahun Jakarta 1. Kepala Divisi Produk Emas S1
Andarini Pemasaran 10 Bulan 2. General Manager Di Galeri Bachelor
Head of 49 Years 10 Dua Empat Degree
Marketing Months 3. Manager Pengembangan
Division Produk Emas
4. Head of Gold Products
Division
5. General Manager at Galeri
Dua Empat
6. Gold Product Development
Manager
19 Ismail Ilyas Kepala Divisi 04/09/2018 54 Tahun 9 Jakarta 1. Profesional Utama Divisi S2
Pengadaan & Bulan Strategic Performance & Master
Logistik 54 Years 9 Change Management Degree
Head of Months 2. Deputy Operasional Kantor
Procurement Wilayah VIII Jakarta
& Logistics 3. Deputy Bisnis Area
Division Samarinda
1. Main Professional of Strategic
Performance & Change
Management Division
2. Deputy Operations Regional
Office VIII Jakarta
3. Samarinda Area Business
Deputy
PT Pegadaian | 2023 Annual Report 115
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Profil Perusahaan
Company Profile
Menjabat Pendidikan
Nama Jabatan Usia Domisili Riwayat Jabatan
No. Sejak Terakhir
Name Position Age Domicile Professional History
Served Since Education
20 Alfian Noor Kepala Divisi 11/07/2022 51 Tahun 3 Jakarta 1. Kepala Divisi Operasional dan S2
Pengembangan Bulan Infrastruktur TI Master
Aplikasi TI 51 Years 3 2. General Manager Teknologi Degree
Head of IT Months Informasi
Application 3. Senior Manager IT
Development Application Development
Division 1. Head of IT Operations and
Infrastructure Division
2. General Manager of
Information Technology
3. Senior Manager IT
Application Development
21 Ketut Kepala Divisi 30/12/2022 54 Tahun 11 Jakarta 1. Kepala Divisi Manajemen S2
Suhardiono Penjualan Bulan Risiko Operasi & Korporasi Master
Head of Sales 54 Years 11 2. Inspektur Pusat SPI Degree
Division Months 3. Kepala Divisi Produk Mikro
Fidusia
1. Head of Operations &
Corporate Risk Management
Division
2. SPI Central Inspector
3. Head of Micro Fiduciary
Products Division
22 Toza Anindya Kepala Divisi 20/12/2022 49 Tahun Jakarta 1. Direktur PT Pesonna S1
PMO & 10 Bulan Indonesia Jaya (PIJ) Bachelor
Manajemen 49 Years 10 2. Kepala Departemen Degree
Perubahan Months Departemen Penilaian Kinerja
Head of PMO 3. Manager Subsidiaries &
& Change Afiliasi Divisi Strategic
Management Performance & Change
Division Management
1. Director of PT Pesonna
Indonesia Jaya (PIJ)
2. Head of Department of
Performance Appraisal
Department
3. Manager of Subsidiaries
& Affiliates Strategic
Performance & Change
Management Division
23 Kadek Eva Kepala Divisi 11 August 38 Tahun 2 Jakarta 1. Kepala Departemen S2
Suputra Produk Emas 2023 Bulan Departemen Customer Master
Head of Gold 38 Years 2 Experience Innovation Divisi Degree
Products Months Innovation Center
Division 2. Kepala Departemen
Departemen Digital Marketing
and Digital Services Divisi
pemasaran
3. Manager Pengembangan
Bisnis Produk e-Channel
1. Head of Department,
Customer Experience
Innovation Department,
Innovation Center Division
2. Head of Department, Digital
Marketing and Digital
Services Department,
Marketing Division
3. e-Channel Product Business
Development Manager
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Menjabat Pendidikan
Nama Jabatan Usia Domisili Riwayat Jabatan
No. Sejak Terakhir
Name Position Age Domicile Professional History
Served Since Education
24 Mufri Yandi Kepala Divisi 3 April 2023 49 Tahun 11 Jakarta 1. Pemimpin Wilayah X S1
Produk Gadai Bulan Bandung Bachelor
Head of Pawn 49 Years 11 2. Pemimpin Wilayah III Degree
Products Months Palembang
Division 3. Deputy Bisnis Area Cirebon
1. Leader of Region X Bandung
2. Leader of Region III
Palembang
3. Cirebon Area Business
Deputy
25 Riza Adhianto Kepala Divisi 3 April 2023 45 Tahun 2 Jakarta - -
Produk Mikro Bulan
Fidusia 45 Years 2
Head of Micro Months
Fiduciary
Products
Division
26 Agus Tokhid Kepala Divisi 20/07/2020 54 Tahun 12 Jakarta 1. Deputy Bisnis Kantor Area S2
Risiko Kredit Bulan Gorontalo Master
dan Asuransi 54 Years 12 2. Deputy Bisnis Kantor Area Degree
Head of Months Palu
Credit Risk 1. Deputy Business Gorontalo
and Insurance Area Office
Division 2. Palu Area Office Business
Deputy
27 Supriyanto Kepala Divisi 22/04/2020 50 Tahun 8 Jakarta - S2
Strategi, Bulan Master
Arsitektur & 50 Years 8 Degree
Perencanaan TI Months
Head of IT
Strategy,
Architecture
& Planning
Division
28 Zulfan Adam Kepala Divisi 04/01/2023 50 Tahun 5 Jakarta 1. Pemimpin Wilayah VI S2
Tresuri Bulan Makassar Master
Head of 50 Years 5 2. Pemimpin Wilayah V Manado Degree
Treasury Months 3. Deputy Operasional V
Division Manado
1. Leader of Region VI Makassar
2. Leader of Region V Manado
3. Deputy Operations V Manado
29 Beni Martina Kepala Unit 27/06/2019 48 Tahun Jakarta 1. Vice President Departemen S1
Maulan usaha Syariah 10 bulan Pengembangan Produk Bachelor
Head of Sharia 48 Years 10 Syariah Degree
Business Unit months 2. Profesional Utama Divisi
Produk Mikro Fidusia
3. Manager Produk Mikro
Produk Mikro Fidusia
1. Vice President of the Sharia
Product Development
Department
2. Main Professional Micro
Fiduciary Products Division
3. Fiduciary Micro Products
Manager
PT Pegadaian | 2023 Annual Report 117
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Profil Perusahaan
Company Profile
Menjabat Pendidikan
Nama Jabatan Usia Domisili Riwayat Jabatan
No. Sejak Terakhir
Name Position Age Domicile Professional History
Served Since Education
30 Moh. Syaiful Kepala Divisi 31/08/2021 39 Tahun 8 Jakarta 1. Kepala Departemen S1
Anam Manajemen Bulan Departemen Aplikasi Bisnis Bachelor
Data Teknologi 39 Years 8 Divisi Pengembangan Aplikasi Degree
Informasi Months TI
Head of 2. Assistant Vice President
Information Squad IT Divisi Innovation
Technology Squad
Data 3. Assistant Vice President
Management Squad IT Divisi PMO dan
Division Change Management
1. Head of Department Business
Applications Department IT
Application Development
Division
2. Assistant Vice President IT
Squad Innovation Squad
Division
3. Assistant Vice President IT
Squad PMO and Change
Management Division
31 Arief Rinardi Pemimpin 19/04/2022 54 Tahun 1 Jakarta 1. Deputy Bisnis Kantor Area S2
Sunardi Wilayah Kantor Bulan Bogor Master
Wilayah I 54 Years 1 2. Deputy Bisnis Kantor Area Degree
Regional Head Month Bandung 2
of Regional 3. Deputy Bisnis Kantor Area
Office I Senen
1. Deputy Business Bogor Area
Office
2. Deputy Business Bandung
Area Office 2
3. Deputy Business Senen Area
Office
32 Maryono Pemimpin 10/05/2021 51 Tahun 8 Pekanbaru 1. Deputy Bisnis Kantor Area S2
Wilayah Kantor Bulan Manado 1 Master
Wilayah II 51 Years 8 2. Deputy Bisnis Kantor Area Degree
Regional Head Months Sorong
of Regional 3. Auditor Madya Kantor
Office II Pemeriksaan Yogyakarta I
1. Deputy Business Manado
Area Office 1
2. Deputy Business Sorong Area
Office
3. Yogyakarta I Audit Office
Intermediate Auditor
33 Pratikno Pemimpin 12/07/2023 52 Tahun 6 Palembang Deputy Bisnis Area Malang S1
Wilayah Kantor Bulan Malang Area Business Deputy Bachelor
Wilayah III 52 Years 6 Degree
Regional Head Months
of Regional
Office III
34 Julianto Pemimpin 02/01/2023 55 Tahun 6 Balikpapan 1. Pemimpin Wilayah III S1
Wilayah Kantor Bulan Palembang Bachelor
Wilayah IV 55 Years 6 2. Deputy Bisnis Ampenan Degree
Regional Head Months 3. Deputy Bisnis Kupang
of Regional 1. Leader of Region III
Office IV Palembang
2. Ampenan Business Deputy
3. Deputy Business Kupang
35 Edwin Pemimpin 02/01/2023 54 Tahun 9 Manado 1. Pemimpin Wilayah IX Jakarta S2
Soeharto Wilayah Kantor Bulan 2 Master
Inkiriwang Wilayah V 54 Years 9 2. Pemimpin Wilayah I Medan Degree
Regional Head Months 3. Deputy Bisnis Area Madiun
of Regional 1. Leader of Region IX Jakarta 2
Office V 2. Leader of Region I Medan
3. Madiun Area Business Deputy
118 Laporan Tahunan 2023 | PT Pegadaian
Page 119
Menjabat Pendidikan
Nama Jabatan Usia Domisili Riwayat Jabatan
No. Sejak Terakhir
Name Position Age Domicile Professional History
Served Since Education
36 Edy Purwanto Pemimpin 04/01/2023 51 Tahun 9 Makassar 1. Pemimpin Wilayah V Manado S2
Wilayah Kantor Bulan 2. Pemimpin Wilayah IV Master
Wilayah VI 51 Years 9 Balikpapan Degree
Regional Months 3. Inspektur Wilayah X Bandung
Leader of 1. Leader of Region V Manado
Regional Office 2. Leader of Region IV
VI Balikpapan
3. Inspector Region X Bandung
37 Supriyanto Pemimpin 20/12/2022 55 Tahun 1 Denpasar 1. Kepala Divisi Jaringan dan S2
Wilayah Kantor Bulan Operasional Master
Wilayah VII 55 Years 1 2. Pemimpin Wilayah IX Jakarta Degree
Regional Head Month 2
of Regional 3. Pemimpin Wilayah XII
Office VII Surabaya
1. Head of Network and
Operations Division
2. Leader of Region IX Jakarta 2
3. Leader of Region XII
Surabaya
37 Alim Sutiono Pemimpin 24/12/2021 53 Tahun 1 Jakarta 1. Kepala Divisi Penjualan S2
Wilayah Kantor Bulan 2. Pemimpin Wilayah VI Master
Wilayah VIII 53 Years 1 Makassar Degree
Regional Head Month 3. Kepala Divisi Jaringan dan
of Regional Operasional
Office VIII 1. Head of Sales Division
2. Leader of Region VI Makassar
3. Head of Network and
Operations Division
38 Endang Pemimpin 18/04/2022 55 Tahun 3 Jakarta 1. Kepala Divisi Hubungan S2
Pertiwi Wilayah Kantor Bulan Kelembagaan Master
Wilayah IX 55 Years 3 2. Senior Manager Sekretariat Degree
Regional Head Months Perusahaan
of Regional 3. Manager Protokoler
Office IX 1. Head of Institutional Relations
Division
2. Senior Manager of Company
Secretariat
3. Protocol Manager
39 Muh. Ariyadi Pemimpin 02/01/2023 50 Tahun 2 Bandung 1. Kepala Divisi Penjualan S2
Purwanto Wilayah Kantor Bulan 2. Kepala Divisi Perencanaan Master
Wilayah X 50 Years 2 Strategis Degree
Regional Head Months 3. General Manager Pemasaran,
of Regional Market Intelligence & Sales
Office X 1. Head of Sales Division
2. Head of Strategic Planning
Division
3. General Manager Marketing,
Market Intelligence & Sales
40 Nuril Islamiah Pemimpin 02/01/2023 53 Tahun 9 Semarang 1. Pemimpin Wilayah X S2
Wilayah Kantor Bulan Bandung Master
Wilayah XI 53 Years 9 2. Pemimin Wilayah VII Degree
Regional Head Months Denpasar
of Regional 3. Pemimpin WIlayah IX Jakarta
Office XI 1. Leader of Region X Bandung
2. Leader of Region VII
Denpasar
3. Leader of Region IX Jakarta
41 Mulyono Pemimpin 03/01/2023 55 Tahun 6 Surabaya 1. Pemimpin Wilayah VIII S2
Wilayah Kantor Bulan Jakarta Master
Wilayah XII 55 Years 6 2. Pemimin Wilayah XI Degree
Regional Head Months Semarang
of Regional 3. General Manajer Produk Emas
Office XII 1. Leader of Region VIII Jakarta
2. Region XI Semarang Leader
3. General Manager of Gold
Products
PT Pegadaian | 2023 Annual Report 119
Page 120
Profil Perusahaan
Company Profile
Menjabat Pendidikan
Nama Jabatan Usia Domisili Riwayat Jabatan
No. Sejak Terakhir
Name Position Age Domicile Professional History
Served Since Education
42 Ahmad Inspektur 13/04/2022 51 Tahun 10 Jakarta 1. Deputy Operasional Wilayah S2
Zaenudin Pengembangan Bulan IX Jakarta Master
pada Satuan 51 Years 10 2. Deputy Bisnis Area Degree
Pengawasan Months Samarinda
Intern 3. Auditor Madya Kantor
Development Pemeriksaan Bangkalan
Inspector at the 1. Deputy Operations Region IX
Internal Audit Jakarta
Unit 2. Samarinda Area Business
Deputy
3. Intermediate Auditor of the
Bangkalan Audit Office
43 R. Swasono Inspektur Pusat 10/08/2022 56 Tahun 2 Jakarta 1. Sekretaris Perusahaan S2
A.Widodo pada Satuan Bulan 2. Kepala Divisi Budaya Kerja Master
Pengawasan 56 Years 2 3. Pimpinan Wilayah Wilayah Degree
Intern Months VIII Jakarta
Central 1. Corporate secretary
Inspector at the 2. Head of Work Culture
Internal Audit Division
Unit 3. Regional Head of Region VIII
Jakarta
44 Siska Triangga Inspektur 13/04/2022 50 Tahun Jakarta 1. Deputy Operasional Wilayah S1
Dewi Wilayah 1 10 Bulan VII Denpasar Bachelor
pada Satuan 50 Years 10 2. Kepala Departemen Degree
Pengawasan Months Keuangan Wilayah X
Intern Bandung
Region 1 3. Auditor Muda Satuan
Inspector at the Pengawasan Intern
Internal Audit 1. Deputy Operations Region VII
Unit Denpasar
2. Head of Finance Department
Region X Bandung
3. Young Auditor of the Internal
Audit Unit
45 Ismanto Inspektur 27/10/2022 52 Tahun 7 Jakarta 1. Profesional Divisi Strategi S2
Wilayah 2 Bulan Human Capital Master
pada Satuan 52 Years 7 2. Inspektur Pusat Satuan Degree
Pengawasan Months Pengawasan Intern
Intern 3. General Manager
Region 2 Procurement Divisi
Inspector at the Procurement
Internal Audit 1. Professional Human Capital
Unit Strategy Division
2. Internal Audit Unit Central
Inspector
3. General Manager
Procurement Procurement
Division
46 Dwi Inspektur 10/08/2022 49 Tahun 3 Jakarta 1. Kepala Divisi Manajemen S1
Wuryantadi Wilayah 3 Bulan Risiko Operasi & Korporasi Bachelor
pada Satuan 49 Years 3 2. Kepala Divisi Produk Mikro Degree
Pengawasan Months Fidusia
Intern 3. Pemimpin Wilayah Wilayah IV
Region 3 Balikpapan
Inspector at the 1. Head of Operations &
Internal Audit Corporate Risk Management
Unit Division
2. Head of Micro Fiduciary
Products Division
3. Regional Leader of Region IV
Balikpapan
120 Laporan Tahunan 2023 | PT Pegadaian
Page 121
Menjabat Pendidikan
Nama Jabatan Usia Domisili Riwayat Jabatan
No. Sejak Terakhir
Name Position Age Domicile Professional History
Served Since Education
47 Nurrahmi Kepala Divisi Penugasan 43 Tahun 4 Jakarta 1. Kepala Departemen S1
Febriana Perencanaan 01/03/2023 Bulan Departemen Planning and Bachelor
Strategis 43 Years 4 Budgeting Degree
Head of Months 2. Assistant Manager Muda I
Strategic Performance Management
Planning Divisi Strategic Performance
Division & Change Management
3. Asisten Manajer Komersial
Produk Divisi Akuntansi
1. Head of Department of
Planning and Budgeting
Department
2. Junior Assistant Manager I
Performance Management
Strategic Performance &
Change Management Division
3. Assistant Commercial
Manager Product Accounting
Division
48 Rosyid Hamidi Kepala Divisi 10/12/2022 53 Tahun 9 Jakarta 1. Kepala Departemen Jaringan S2
Jaringan dan Bulan Operasional Master
Operasional 53 Years 9 2. Profesional Divisi Innovation Degree
Head of Months Center
Network and 3. Kepala Departemen
Operations Departemen Business
Division Support VI Makassar
1. Head of Operational Network
Department
2. Professional Innovation
Center Division
3. Head of Department of
Business Support Department
VI Makassar
49 Agus Kepala Divisi Penugasan 52 Tahun 10 Jakarta 1. Kepala Departemen S2
Handayanto Innovation 06/05/2023 Bulan Departemen Exploratory Master
Center 52 Years 10 Innovation Divisi Innovation Degree
Head of Months Center
Innovation 2. Kepala Departemen
Center Division Departemen IT Data
Management Divisi
Pengembangan Aplikasi TI
3. Manager IT Information
Management Divisi Teknologi
Informasi
1. Head of Department,
Exploratory Innovation
Department, Innovation
Center Division
2. Head of Department, IT Data
Management Department,
IT Application Development
Division
3. Manager IT Information
Management Information
Technology Division
50 Rofiq Afiv Aziz Kepala DIvisi 28/04/2023 52 Tahun 1 Jakarta 1. Kepala Divisi Pegadaian S2
Strategi Human Bulan Corporate University Master
Capital 52 Years 1 2. Kepala Divisi Strategi Human Degree
Head of Month Capital
Human Capital 1. Head of Pegadaian Corporate
Strategy University Division
Division 2. Head of Human Capital
Strategy Division
PT Pegadaian | 2023 Annual Report 121
Page 122
Profil Perusahaan
Company Profile
Demografi Karyawan dan
Pengembangan Kompetensi
Employee Demographics and Competency Development
Per 31 Desember 2023, jumlah karyawan Pegadaian yang As of December 31, 2023, the number of Pegadaian
terdiri dari karyawan tetap dan kontrak mencapai 13.519 employees consisting of permanent and contract
orang (di luar Direksi), mengalami kenaikan sebesar employees of 13,519 people (excluding the Board of
4,39% dibandingkan jumlah karyawan per 31 Desember Directors), an increase of 4.39% compared to the
2022 yang sebanyak 12.950 orang. Peningkatan number of employees as of December 31, 2022 of 12,950
tersebut terutama disebabkan oleh peralihan karyawan people. This increase was mainly due to the transition
outsourcing menjadi karyawan organik. of outsourced employees to organic employees.
Demografi karyawan Perseroan di tahun 2023 dapat The Company’s employee demographics in 2023 can
dilihat sebagai berikut: be seen as follows:
2019 14.035
2020 14.237
2021 14.371
2022 12.950
2023 13.519
Jumlah dan Komposisi SDM Berdasarkan Status Kepegawaian (orang)
Number and Composition of Human Resources Based on Employment Status (people)
2023 2022 2021
Status Kepegawaian
Employment Status Jumlah Jumlah Jumlah
L P L P L P
Total Total Total
Manajemen Puncak
Top Management
Direksi
7 1 8 6 1 7 6 1 7
Board of Directors
Karyawan
Employees
Tetap
7.999 4.548 12.547 8.072 4.291 12.368 8.236 4.159 12.395
Permanent
Kontrak
413 559 972 265 317 582 844 1.132 1.976
Contract
Sub-Jumlah
8.418 5.110 13.519 8.337 4.613 12.950 9.080 5.291 14.371
Sub-Total
Outsource 17.265 3.137 20.402 15.054 1.926 16.980
Jumlah
8.418 5.110 13.519 25.630 7.812 33.442 24.134 7.217 31.351
Total
Jumlah Direksi dan Karyawan
Number of Directors and 8.425 5.111 13.527 25.636 7.813 33.449 24.140 7.218 31.358
Employees
L = Laki-laki/Male | P = Perempuan/Female
122 Laporan Tahunan 2023 | PT Pegadaian
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Jumlah dan Komposisi SDM Berdasarkan Level Jabatan (orang)
Number and Composition of Human Resources Based on Position Level (people)
Level Organisasi/ 2023 2022 2021
Kelompok Jabatan
Organizational Jumlah Jumlah Jumlah
Level/ Position L P L P L P
Total Total Total
Group
Manajemen Puncak
Top Management
Direksi 7 1 8 6 1 7 6 1 7
Board of Directors
Karyawan
Employees
Manajemen 144 19 163 158 17 175 163 18 181
Menengah
Middle Management
Manajemen Pelaksana 1.480 638 2.118 1.438 541 1.979 1.317 472 1.789
Officer Management
Staf 6.369 3.888 10.257 6.476 3.738 10.214 6.756 3.669 10.425
Staff
Perjanjian Kerja 419 562 981 265 317 582 844 1.132 1.976
Waktu Tertentu
(PKWT)
Specific Time Work
Agreement (PKWT)
Jumlah Karyawan 8.412 5.107 13.519 8.337 4.613 12.950 9.080 5.291 14.371
Number of
Employees
Jumlah Direksi dan 8.419 5.108 13.527 8.343 4.614 957 9.086 5.292 14.378
Karyawan
Number of Directors
and Employees
L = Laki-laki/Male | P = Perempuan/Female
Jumlah dan Komposisi SDM Berdasarkan Tingkat Pendidikan (orang)
Number and Composition of Human Resources Based on Education Level (people)
2023 2022 2021
Tingkat Pendidikan
Education Level Jumlah Jumlah Jumlah
L P L P L P
Total Total Total
S2-Pasca Sarjana 398 195 593 388 188 576 400 203 604
Master’s Degree
Sl-Sarjana 5.046 3.344 8390 4.930 3.025 7955 5.357 3.470 8.827
Bachelor’s Degree
Diploma I, II, III & IV 1.209 929 2138 1.119 709 1.828 1.229 819 2.048
SLTA dan Sederajat 1.766 640 2406 1.900 691 2.591 2.094 798 2.892
High School
Jumlah 8.419 5.108 13.527 8.337 4.613 12.950 9.080 5.291 14.371
Total
L = Laki-laki/Male | P = Perempuan/Female
Jumlah dan Komposisi SDM Berdasarkan Wilayah Kerja (orang)
Number and Composition of Human Resources Based on Work Area (people)
2023 2022 2021
Wilayah Kerja
Work Area Jumlah Jumlah Jumlah
L P L P L P
Total Total Total
Kantor Pusat 697 324 1.021 1.006 394 1.400 660 329 989
Head Office
Kantor Wilayah/ 7.722 4.784 12.506 7.331 4.219 11.550 8.420 4.962 13.382
Kantor Cabang
Regional Office/
Branch Office
Jumlah 8.419 5.108 13.527 8.337 4.613 12.950 9.080 5.291 14.371
Total
L = Laki-laki/Male | P = Perempuan/Female
PT Pegadaian | 2023 Annual Report 123
Page 124
Profil Perusahaan
Company Profile
Jumlah dan Komposisi SDM Berdasarkan Kelompok Usia (orang)
Number and Composition of Human Resources by Age Group (people)
2023 2022 2021
Status Jumlah Jumlah Jumlah
L P L P L P
Total Total Total
>50 tahun/years old 1110 384 1494 1.119 367 1.486 971 370 1.345
>45-50 tahun/years old 762 270 1032 853 321 1.174 677 233 910
>40-45 tahun/years old 800 374 1174 716 265 981 1.832 1.106 2.938
>35-40 tahun/years old 2.443 1.579 4.022 2.229 1.410 3.639 2.281 1.604 3.885
>30-35 tahun/years old 1.659 1.093 2.752 1.848 1.268 3.116 1.435 937 2.372
>25-30 tahun/years old 1551 1176 2727 1.227 693 1.920 781 721 1.502
≤25 tahun/years old 94 232 326 345 345 634 9.080 5.291 14.371
Jumlah 8.419 5.108 13.527 8.337 4.613 12.950 971 370 1.345
Total
L = Laki-laki/Male | P = Perempuan/Female
Jumlah dan Komposisi SDM Berdasarkan Jenis Kelamin/Gender (orang)
Number and Composition of Human Resources Based on Sex/Gender (people)
Gender 2023 2022 2021
Laki-laki 8.419 8.337 9.080
Male
Perempuan 5.108 4.613 5.291
Female
Jumlah 13.519 12.950 14.371
Total
Pengembangan Kompetensi Employee Competency Development
Karyawan
Perseroan senantiasa secara berkesinambungan The Company continuously ensures the availability of
memastikan ketersediaan calon pemimpin perusahaan prospective company leaders in various lines to ensure
di berbagai lini untuk menjamin keberlanjutan organizational sustainability. In order to achieve this,
organisasi. Dalam rangka mencapai hal tersebut, the Company has designed a structured employee
Perseroan telah merancang program pengembangan development and succession program through
dan suksesi karyawan secara terstruktur melalui education and training programs for every employee
program pendidikan dan pelatihan untuk setiap at every position level. The program is structured
karyawan dari setiap jenjang jabatan. Program based on competency needs at each position level. In
tersebut disusun berdasarkan kebutuhan kompetensi addition, Pegadaian ensures that there are no gender
pada setiap jenjang jabatan. Selain itu, Pegadaian and SARA differences in competency development
memastikan tidak ada perbedaan gender dan SARA programs in order to achieve equality between
dalam program pengembangan kompetensi agar employees. This program is mandatory and all
mencapai kesetaraan antar karyawan. Program programs aim to develop competencies and provide
ini bersifat wajib dan semua program bertujuan opportunities to develop capabilities to reach higher
mengembangkan kompetensi dan memberikan levels of office.
kesempatan untuk mengembangkan kapabilitasnya
untuk mencapai jenjang jabatan yang lebih tinggi.
Sepanjang tahun 2023, Perseroan telah Throughout 2023, the Company has included
mengikutsertakan karyawan dalam program employees in competency development programs, as
pengembangan kompetensi, sebagai berikut: follows:
124 Laporan Tahunan 2023 | PT Pegadaian
Page 125
Pelatihan Berdasarkan Kelompok Jabatan dan Kategori/Jenis Pelatihan
Training Based on Position Group and Categories/Types of Training
Kategori/Jenis Pelatihan Jumlah Peserta Pelatihan (orang)
Categories/Types of Training Number of Training Participants (people)
Training dalam aspek Bisnis Digital & IT 505.290
Training in Digital Business & IT
Training dalam aspek Bisnis Gadai & Emas 4.494
Training in Pawn & Gold Business
Training Jaringan Operasional & Penjualan 5.192
Training in Operational & Sales Network
Training dalam aspek Bisnis Mikro 1.174
Training in Micro Business
Training dalam aspek Bisnis Syariah 2.944
Training in Sharia Business
Training Supporting 2.294
Supporting Training
Sertifikasi 4.272
Certification
Jumlah 525.660
Total
Rekapitulasi Pelatihan Berdasarkan Jumlah dan Rata-rata Jam
Training Recapitulation Based on Number and Average Hours
Jumlah Karyawan yang Memperoleh
Rata-rata Jam Pelatihan Setiap
Pelatihan Jam Pelatihan
Training Hours Karyawan
Number of Employees Who Received
Average Training Hours Per Employee
Training
13.519 1.953.772 146
Biaya Pelatihan Tenaga Kerja
Employment Training Costs
Kenaikan (Penurunan) Penyerapan
Realisasi 2023 Realisasi 2022 Increase (Decrease) Anggaran Anggaran
(Rp-Juta) (Rp-Juta) 2023-2022 2023 2023
Deskripsi Realization Realization Jumlah (Rp-Juta) Budget
Description 2023 2022 (Rp-Juta) Persentase Budget 2023 Absorption
(Rp-Million) (Rp-Million) Total Percentage (Rp-Million) 2023
(Rp-Million) (%)
(1) (2) (3=1-2) (3/2) (4) (1/4)
Biaya 120.585,04 88.195,62 32.389,42 36,72% 167.988,80 71,78%
Pengembangan
Kompetensi
Competency
Development
Costs
Biaya Pengembangan Kompetensi Karyawan 2021-2023 (Rp juta)
Employee Competency Development Costs 2021-2023 (Rp million)
2021 63,360
2022 88,196
2023 120,585
PT Pegadaian | 2023 Annual Report 125
Page 126
Profil Perusahaan
Company Profile
Pendidikan dan/atau Pelatihan Dewan
Komisaris, Direksi, Komite, Sekretaris
Perusahaan, Audit Internal, dan
Manajemen Risiko
Education and/or Training for the Board of Commissioners,
Board of Directors, Committees, Corporate Secretary, Internal
Audit and Risk Management
Jenis Pendidikan
Materi Pendidikan dan
Nama dan Jabatan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Pelatihan Venue/ Date Organizer
Education and
Education and Training Material
Training Type
Dewan Komisaris | Board of Commissioners
Loto Srinaita Ginting Capacity Building LBMA Assaying & Refining UK, 13 s.d. 20 Maret London Bullion
Komisaris Utama Conference 2023 Market Association
President Commissioner March 13 to 20, 2023 (LBMA)
Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Company Development Through June 9, 2023 Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements August 11, 2023
Analysis of PT Pegadaian
Capacity Building Managing Risk and Reputation in USA, 20-25 Agustus Stanford University
a Complex World 2023
August 20-25, 2023
Umiyatun Hayati Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Triastuti Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Komisaris Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Commissioner Company Development Through June 9, 2023 Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements August 11, 2023
Analysis of PT Pegadaian
Capacity Building “Leading Change: Challenge Paris, Perancis, 20-21 ESSEC Business
and Redefine the Way You Do Desember 2023 School
Business” Paris, France,
December 20-21,
2023
Sudarto Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Komisaris Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Commissioner Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Company Development Through June 9, 2023 Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements August 11, 2023
Analysis of PT Pegadaian
126 Laporan Tahunan 2023 | PT Pegadaian
Page 127
Jenis Pendidikan
Materi Pendidikan dan
Nama dan Jabatan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Pelatihan Venue/ Date Organizer
Education and
Education and Training Material
Training Type
Rini Widyantini Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Komisaris Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Commissioner Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Company Development Through June 9, 2023 Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements August 11, 2023
Analysis of PT Pegadaian
Makmur Keliat Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Komisaris Independen Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Independent Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Commissioner Company Development Through June 9, 2023 Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements September 18-22,
Analysis of PT Pegadaian 2023
Capacity Building Asean Global Leadership Chicago, USA, 18-22 University of Chicago
Program – Leading Innovation in September 2023
Global Economic Recovery September 18-22,
2023
Nezar Patria Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Komisaris Independen Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Independent Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Commissioner Company Development Through June 9, 2023 Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building “Harnessing AI for Breakthrough USA, 30 Juli-04 Stanford University
Innovation and Strategic Impact” Agustus 2023
August 11, 2023
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements August 11, 2023
Analysis of PT Pegadaian
Yudi Priambodo P. Capacity Building Qualified Internal Auditor Kepala Online, 22-30 Mei YPIA
Komisaris Independen SPI, Tingkat Manajerial Kepala 2023
Independent SPI/CAE May 22-30, 2023
Commissioner Qualified Internal Auditor Head
of SPI, Managerial Level Head of
SPI/CAE
Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Company Development Through June 9, 2023 Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements August 11, 2023
Analysis of PT Pegadaian
Capacity Building Managing Risk and Reputation in USA, 20-25 Agustus Stanford University
a Complex World 2023
August 20-25, 2023
Muhammad Isnaini - - - -
Komisaris Independen
Independent
Commissioner
PT Pegadaian | 2023 Annual Report 127
Page 128
Profil Perusahaan
Company Profile
Jenis Pendidikan
Materi Pendidikan dan
Nama dan Jabatan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Pelatihan Venue/ Date Organizer
Education and
Education and Training Material
Training Type
Direksi | Board of Directors
Damar Latri Setiawan Tata Kelola, Global GRC Benchmarking Series Auckland, New Center for Corporate
Direktur Utama Manajemen Risiko 6 New Zealand Zealand / 20-29 Governance and Risk
President Director dan Kepatuhan Oktober 2023 Management Studies
Governance, Risk October 20-29, 2023 (CENTROIS)
Management and
Compliance
Leadership BRI Leadership Forum 2023 20 - 21 Juli 2023 BRI
July 20-21, 2023
Capacity Building Strategic Business Workshop 11 September 2023 Thunderbird School
Wakil Menteri BUMN Rosan September 11, 2023 Arizona University
Roeslani
Strategic Business Workshop of
Deputy Minister of SOEs Rosan
Roeslani
Leadership Program Pendidikan Eksekutif : 14 September 2023 Centrois
Global Leadership Seri 1 Tahun September 14, 2023
2023
Executive Education Program:
Global Leadership Series 1 of
2023
Leadership Webinar Global Leadership Series Online 2 November Thunderbird School
2nd Tahun 2023 dengan tema 2023 Arizona University
“Finding the Time to Lead” November 2, 2023
2nd Global Leadership Series
Webinar in 2023 with the theme
"Finding the Time to Lead"
Teguh Wahyono Leadership Program Pendidikan Eksekutif : Online, 14 Thunderbird School
Direktur Teknologi Global Leadership Seri 1 Tahun September 2023 Arizona University
Informasi dan Digital 2023 September 14, 2023
Executive Education Executive Education Program:
Program: Global Global Leadership Series 1 of
Leadership Series 1 of 2023
2023 Leadership Webinar Global Leadership Series Online, 2 November Thunderbird School
2nd Tahun 2023 dengan tema 2023 Arizona University
“Finding the Time to Lead” November 2, 2023
2nd Global Leadership Series
Webinar in 2023 with the theme
"Finding the Time to Lead"
Gunawan Sulistyo Leadership Program Pendidikan Eksekutif : Online, 14 Thunderbird School
Direktur Umum Global Leadership Seri 1 Tahun September 23 Arizona University
Director of General 2023 September 14, 2023
Affairs Executive Education Program:
Global Leadership Series 1 of
2023
Leadership Webinar Global Leadership Series Online 2 November Thunderbird School
2nd Tahun 2023 dengan tema 2023 Arizona University
“Finding the Time to Lead” November 2, 2023
2nd Global Leadership Series
Webinar in 2023 with the theme
"Finding the Time to Lead"
128 Laporan Tahunan 2023 | PT Pegadaian
Page 129
Jenis Pendidikan
Materi Pendidikan dan
Nama dan Jabatan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Pelatihan Venue/ Date Organizer
Education and
Education and Training Material
Training Type
Ferdian Timur Capacity Building LBMA Assaying & Refining London, 13-20 Maret London Bullion
Satyagraha Conference 2023 Market Association
Direktur Keuangan dan March 13-20, 2023
Perencanaan Strategis Capacity Building Keuangan Berkelanjutan Online 2 Juni 2023 PT Strategic
Director of Finance and (Suistanable Finance) : Integrasi June 2, 2023 Development Group
Strategic Planning Manajemen Risiko & Tata Kelola (SDG)
Sosial dan Lingkungan pada Bank
- BSMR Level 5
Sustainable Finance: Integration
Risk Management & Social and
Environmental Governance in
Bank - BSMR Level 5
Capacity Building Strategic Business Workshop 11 September 2023 KBUMN
Wakil Menteri BUMN Rosan September 11, 2023
Roeslani
Strategic Business Workshop of
Deputy Minister of SOEs Rosan
Roeslani
Leadership Program Pendidikan Eksekutif : 14 September 2023 Thunderbird School
Global Leadership Seri 1 Tahun September 14, 2023 Arizona University
2023
Executive Education Program:
Global Leadership Series 1 of
2023
Leadership Webinar Global Leadership Series 2 November 2023 Thunderbird School
2nd Tahun 2023 dengan tema November 2, 2023 Arizona University
“Finding the Time to Lead”
2nd Global Leadership Series
Webinar in 2023 with the theme
"Finding the Time to Lead"
Leadership Masterclass Corporate Purpose, Rotterdam, Belanda Rotterdam School of
Leadership, & Communication / 11-13 Desember Management
2023
Rotterdam,
Netherlands /
December 11-13,
2023
Eka Pebriansyah Leadership Program Pendidikan Eksekutif : Online, 14 Thunderbird School
Direktur Jaringan, Global Leadership Seri 1 Tahun September 2023 Arizona University
Operasi, dan Penjualan 2023 September 14, 2023
Director of Network, Executive Education Program:
Operations and Sales Global Leadership Series 1 of
2023
Leadership Webinar Global Leadership Series Online 2 November Thunderbird School
2nd Tahun 2023 dengan tema 2023 Arizona University
“Finding the Time to Lead” November 2, 2023
2nd Global Leadership Series
Webinar in 2023 with the theme
"Finding the Time to Lead"
Leadership Masterclass Corporate Purpose, Rotterdam, Belanda Rotterdam School of
Leadership, & Communication / 11-13 Desember Management
2023
December 11-13,
2023
PT Pegadaian | 2023 Annual Report 129
Page 130
Profil Perusahaan
Company Profile
Jenis Pendidikan
Materi Pendidikan dan
Nama dan Jabatan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Pelatihan Venue/ Date Organizer
Education and
Education and Training Material
Training Type
Elvi Rofiqotul Hidayah Capacity Building Bilateral Policy Dialogue of Singapura, 26 Singapore Bullion
Direktur Pemasaran dan Bullion Bank Implementation Februari - 03 Maret Market Association
Pengembangan Produk 2023
Director of Marketing Singapore, February
and Product 26 - March 3, 2023
Development Capacity Building CBDO Innovation School Cohort 1 Bali, Offline 10-11 BUMN Leadership
Februari 2023 & Management
Online 9, 16, 17, 24, Institute bermitra
29 Maret 2023 dan 5 dengan FHCI
April 2023
February 10-11, 2023
Online, March 9, 16,
17, 24, 29, 2023 and
April 5, 2023
Capacity Building LBMA Assaying & Refining London, 13-20 Maret London Bullion
Conference 2023 Market Association
March 13-20, 2023
Leadership Program Pendidikan Eksekutif : Online, 14 Thunderbird School
Global Leadership Seri 1 Tahun September 2023 Arizona University
2023 September 14, 2023
Executive Education Program:
Global Leadership Series 1 of
2023
Leadership Webinar Global Leadership Series Online, 2 November Thunderbird School
2nd Tahun 2023 dengan tema 2023 Arizona University
“Finding the Time to Lead” November 2, 2023
2nd Global Leadership Series
Webinar in 2023 with the theme
"Finding the Time to Lead"
Leadership Leading Change: Challenge Paris, Prancis / 20-21 ESSEC Business
and Redefine The Way You Do Desember 2023, School, France
Business December 20-21,
2023
Udin Salahudin Capacity Building Qualified Risk Governance Jakarta, 3 Januari LSP MKS
Direktur Manajemen Professional 2023
Risiko, Legal, dan January 3, 2023
Kepatuhan Capacity Building Strategic Business Workshop Jakarta 11 September KBUMN
Director of Risk Wakil Menteri BUMN Rosan 2023
Management, Legal and Roeslani September 11, 2023
Compliance Strategic Business Workshop of
Deputy Minister of SOEs Rosan
Roeslani
Capacity Building In House Training (IHT) Jakarta 14 BRI
"Strengthening Market Conduct September 2023
BRI Group - Governance Beyond
Compliance"
Leadership Program Pendidikan Eksekutif : Online 14 September Thunderbird School
Global Leadership Seri 1 Tahun 2023 Arizona University
2023 September 14, 2023
Executive Education Program:
Global Leadership Series 1 of
2023
Capacity Building Indonesian In House Counsel Bali, 19 - 20 Oktober Indonesian
Summit & Awards 2023 2023 Corporate Counsel &
October 19-20, 2023 Association (ICCA)
dan Hukumonline
Leadership Webinar Global Leadership Series Online, Thunderbird School
2nd Tahun 2023 dengan tema 2 November 2023 Arizona University
“Finding the Time to Lead” November 2, 2023
2nd Global Leadership Series
Webinar in 2023 with the theme
"Finding the Time to Lead"
Leadership Leading Change: Challenge Paris, Prancis / 20-21 ESSEC Business
and Redefine The Way You Do Desember 2023 School, France
Business Paris, France /
December 20-21,
2023
130 Laporan Tahunan 2023 | PT Pegadaian
Page 131
Jenis Pendidikan
Materi Pendidikan dan
Nama dan Jabatan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Pelatihan Venue/ Date Organizer
Education and
Education and Training Material
Training Type
E.R.A. Taufiq Leadership Webinar Global Leadership Series Online, 2023 Thunderbird School
Direktur Human Capital 2nd Tahun 2023 dengan tema Arizona University
“Finding the Time to Lead”
2nd Global Leadership Series
Webinar in 2023 with the theme
"Finding the Time to Lead"
Leadership Program Pendidikan Eksekutif: Online, 2023 Thunderbird School
Global Leadership Seri 1 Tahun Arizona University
2023
Executive Education Program:
Global Leadership Series 1 of
2023
Capacity Building School of Chief Human Resourcer 13-14 Oktober 2023, FHCI BUMN
Officer (CHRO) School Program October 13-14, 2023
2023 Module I Denpasar, Bali
Capacity Building School of Chief Human Resourcer 17-18 November FHCI BUMN
Officer (CHRO) School Program 2023,
2023 Module II November 17-18,
2023
Denpasar, Bali
Komite Audit | Audit Committee
Yudi Priambodo P. Capacity Building Qualified Internal Auditor Kepala Online, 22-30 Mei YPIA
Ketua SPI, Tingkat Manajerial Kepala 2023
Chairman SPI/CAE
Qualified Internal Auditor Head
of SPI, Managerial Level Head of
SPI/CAE
Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Company Development Through Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements
Analysis of PT Pegadaian
Capacity Building Managing Risk and Reputation in USA, 20-25 Agustus Stanford University
a Complex World 2023
Makmur Keliat Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Anggota Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Member Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Company Development Through Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements
Analysis of PT Pegadaian
Capacity Building Leading Innovation in Global Chicago, USA, 18-22 University of Chicago
Asean Global Economic Recovery September 2023
Leadership
Program
PT Pegadaian | 2023 Annual Report 131
Page 132
Profil Perusahaan
Company Profile
Jenis Pendidikan
Materi Pendidikan dan
Nama dan Jabatan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Pelatihan Venue/ Date Organizer
Education and
Education and Training Material
Training Type
Alpin Napitupulu Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Anggota Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Member Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Company Development Through Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements
Analysis of PT Pegadaian
Vicky Taufik Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Anggota Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Member Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Company Development Through Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements
Analysis of PT Pegadaian
Komite Pemantau Risiko | Risk Monitoring Committee
Makmur Keliat Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Ketua Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Chairman Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Company Development Through Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements
Analysis of PT Pegadaian
Capacity Building Asean Global Leadership Chicago – USA, 18- University of Chicago
Program – Leading Innovation in 22 September 2023
Global Economic Recovery
Umiyatun Hayati Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Triastuti Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Anggota Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Member Company Development Through Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements
Analysis of PT Pegadaian
Capacity Building “Leading Change: Challenge Paris – Perancis, 20- ESSEC Business
and Redefine the Way You Do 21 Desember 2023 School
Business”
Sudarto Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Anggota Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Member Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Company Development Through Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements
Analysis of PT Pegadaian
132 Laporan Tahunan 2023 | PT Pegadaian
Page 133
Jenis Pendidikan
Materi Pendidikan dan
Nama dan Jabatan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Pelatihan Venue/ Date Organizer
Education and
Education and Training Material
Training Type
Yudi Priambodo P. Capacity Building Qualified Internal Auditor Kepala Online, 22-30 Mei YPIA
Anggota SPI, Tingkat Manajerial Kepala 2023
Member SPI/CAE
Qualified Internal Auditor Head
of SPI, Managerial Level Head of
SPI/CAE
Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Company Development Through Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements
Analysis of PT Pegadaian
Capacity Building Managing Risk and Reputation in USA, 20-25 Agustus Stanford University
a Complex World 2023
Humbul Kristiawan Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Anggota Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Member Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Company Development Through Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements
Analysis of PT Pegadaian
Charles R. Vorst Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Anggota Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Member Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Company Development Through Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements
Analysis of PT Pegadaian
Komite Nominasi & Remunerasi | Nomination & Remuneration Committee
Nezar Patria Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Ketua Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Chairman Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Company Development Through Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building “Harnessing AI for Breakthrough USA, 30 Juli-04 Stanford University
Innovation and Strategic Impact” Agustus 2023
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements
Analysis of PT Pegadaian
PT Pegadaian | 2023 Annual Report 133
Page 134
Profil Perusahaan
Company Profile
Jenis Pendidikan
Materi Pendidikan dan
Nama dan Jabatan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Pelatihan Venue/ Date Organizer
Education and
Education and Training Material
Training Type
Loto Srinaita Ginting Capacity Building LBMA Assaying & Refining UK, 13-20 Maret London Bullion
Anggota Conference 2023 Market Association
Member (LBMA)
Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Company Development Through Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements
Analysis of PT Pegadaian
Capacity Building Managing Risk and Reputation in USA, 20-25 Agustus Stanford University
a Complex World 2023
Rini Widyantini Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Anggota Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Member Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Company Development Through Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements
Analysis of PT Pegadaian
Arry Ekananta Capacity Building Perkembangan Perusahaan Hotel Pullman Pusat Studi
Anggota Melalui Akuisisi: Aspek Akuntansi, Thamrin, Jakarta, 9 Akuntansi FEB
Member Finansial, Perpajakan, dan Hukum Juni 2023 Universitas
Company Development Through Padjadjaran
Acquisition: Accounting,
Financial, Tax and Legal Aspects
Capacity Building Pelatihan Analisa Laporan Hotel Pullman, 11 PT Pegadaian
Keuangan PT Pegadaian Agustus 2023
Training on Financial Statements
Analysis of PT Pegadaian
Yuni Setyaningsih - - - -
Anggota
Member
Sekretaris Perusahaan | Corporate Secretary
Yudi Sadono - - - -
Audit Internal | Internal Audit
Hermawan Aries Andi ESG Pelatihan GRC Masterclass Online, via Zoom. CORPU
Program 2023 (ESG for Auditor) 13 Juli 2023 PT Pegadaian
GRC Masterclass Program 2023 July 13, 2023
Training (ESG for Auditor)
134 Laporan Tahunan 2023 | PT Pegadaian
Page 135
Komposisi Pemegang Saham
Composition of Shareholders
Komposisi Kepemilikan Saham dan Composition of Share Ownership and
Perubahannya Its Change
Sejak tahun 2021 lalu, berdasarkan Peraturan Since 2021, according to the Government Regulation
Pemerintah (PP) No. 73 Tahun 2021 tentang No. 73 of 2021 concerning Additional of Capital
Penambahan Penyertaan Modal Negara Republik Participation of Republic of Indonesia to PT Bank
Indonesia ke dalam Modal Saham Perusahaan Rakyat Indonesia (Persero) Tbk, Republic of
Perseroan (Persero) PT Bank Rakyat Indonesia Tbk, Indonesia through the government added the capital
Negara Republik Indonesia melalui Pemerintah participation to BRI through inbreng or diversion of
melakukan penambahan penyertaan modal negara 6,249,999 Series B shares of Pegadaian owned by
kepada BRI melalui inbreng atau pengalihan 6.249.999 Republic of Indonesia.
saham Seri B Pegadaian yang dimiliki Negara Republik
Indonesia
Adapun komposisi kepemilikan saham Pegadaian per The composition of Pegadaian’s share ownership as of
31 Desember 2023 adalah sebagai berikut. December 31, 2023 is as follows
2023 2022
Persentase Persentase
Pemegang Saham Jumlah Saham Jumlah Saham
Kepemilikan Kepemilikan
Shareholders (lembar) (lembar)
Ownership Ownership
Total Shares Total Shares
Percentage Percentage
(shares) (shares)
(%) (%)
Nilai Nominal Saham = Rp1.000.000/lembar saham
Shares Values = Rp1,000,000/shares
Saham Seri A Dwiwarna
Dwiwarna A Series Shares
Pemerintah Republik Indonesia 1 0,00002% 1 0,00002%
Government of Republic of Indonesia
Saham Seri B
B Series Shares
PT Bank Rakyat Indonesia (Persero) Tbk 6.249.999 99,99998% 6.249.999 99,99998%
Jumlah 6.250.000 100,00 100,00%
Total
PEMERINTAH REPUBLIK INDONESIA
( SERI A DWIWARNA);
0,00002%
PT BANK RAKYAT INDONESIA
(PERSERO) Tbk. (SERI B);
99,99998%
PT Pegadaian | 2023 Annual Report 135
Page 136
Profil Perusahaan
Company Profile
Kepemilikan Saham oleh Manajemen Share Ownership by Management
dan/atau Karyawan and/or Employees
Seluruh anggota Dewan Komisaris dan Direksi All members of the Board of Commissioners and
Perseroan tidak memiliki saham PT Pegadaian, baik Board of Directors of Pegadaian are not owned any
kepemilikan langsung maupun tidak langsung. shares of PT Pegadaian, both directly or indirectly.
Kepemilikan Saham Pegadaian Kepemilikan Saham Pegadaian
Dewan Komisaris dan
Secara Langsung Secara Tidak Langsung
Direksi Direct Shares Ownership Indirect Shares Ownership
Board of
Commissioners and Per 31 Desember 2023 Per 31 Desember 2022 Per 31 Desember 2023 Per 31 Desember 2022
Board of Directors As of December 31, As of December 31, As of December 31, As of December 31,
2023 2022 2023 2022
Dewan Komisaris
Board of Commissioners
Loto Srinaita Ginting Nihil Nihil Nihil Nihil
Komisaris Utama None None None None
President Commissioner
Sudarto Nihil Nihil Nihil Nihil
Komisaris None None None None
Commissioner
Umiyatun Hayati Nihil Nihil Nihil Nihil
Triastuti Komisaris None None None None
Commissioner
Rini Widyantini Nihil Nihil Nihil Nihil
Komisaris None None None None
Commissioner
Makmur Keliat Nihil Nihil Nihil Nihil
Komisaris Independen None None None None
Independent
Commissioner
Nezar Patria Nihil Nihil Nihil Nihil
Komisaris Independen None None None None
Independent
Commissioner
Yudi Priambodo P. Nihil Nihil Nihil Nihil
Komisaris Independen None None None None
Independent
Commissioner
Muhammad Isnaini Nihil Nihil Nihil Nihil
Komisaris Independen None None None None
Independent
Commissioner
Direksi
Board of Directors
Damar Latri Setiawan Nihil Nihil Nihil Nihil
Direktur Utama None None None None
President Director
Teguh Wahyono Nihil Nihil Nihil Nihil
Direktur Teknologi None None None None
Informasi dan Digital
Director of Information
Technology and
Digital
Gunawan Sulistyo Nihil Nihil Nihil Nihil
Direktur Umum None None None None
Director of General
Affairs
Ferdian Timur Nihil Nihil Nihil Nihil
Satyagraha Direktur None None None None
Keuangan dan
Perencanaan Strategis
Director of Finance and
Strategic Planning
136 Laporan Tahunan 2023 | PT Pegadaian
Page 137
Kepemilikan Saham Pegadaian Kepemilikan Saham Pegadaian
Dewan Komisaris dan
Secara Langsung Secara Tidak Langsung
Direksi Direct Shares Ownership Indirect Shares Ownership
Board of
Commissioners and Per 31 Desember 2023 Per 31 Desember 2022 Per 31 Desember 2023 Per 31 Desember 2022
Board of Directors As of December 31, As of December 31, As of December 31, As of December 31,
2023 2022 2023 2022
Eka Pebriansyah Nihil Nihil Nihil Nihil
Direktur Jaringan, None None None None
Operasi, dan Penjualan
Director of Network,
Operation, and
Sales
Elvi Rofiqotul Hidayah Nihil Nihil Nihil Nihil
Direktur Pemasaran dan None None None None
Pengembangan Produk
Director of Marketing
and Product
Development
Udin Salahudin Nihil Nihil Nihil Nihil
Direktur Manajemen None None None None
Risiko, Legal, dan
Kepatuhan
Director of Risk
Management, Legal,
and Compliance
E.R.A. Taufiq Nihil Nihil Nihil Nihil
Direktur Human Capital None None None None
Keterangan: Kepemilikan tidak langsung dapat terjadi jika BOC/BOD memiliki saham BRI dari transaksi pasar modal
Note: Indirect ownership may occur if BOC/BOD owns BRI shares from capital market transactions
Informasi tentang Pemegang Saham Information on Major and/or
Utama dan/atau Pemegang Saham Controlling Shareholders Up to the
Pengendali hingga Entitas Pemilik Ultimate Owner
Akhir
Entitas pemilik akhir Pegadaian adalah Pemerintah The ultimate owner entity or Pegadaian is the
Republik Indonesia yang memiliki saham Perseroan Government of Republic of Indonesia which owned
secara langsung sebanyak 0,00002% atau 1 lembar direct shares of the Company of 0.00002% or 1
Saham Seri A Dwiwarna, serta kepemilikan tidak Dwiwarna Series A share, and indirect ownership
langsung melalui PT Bank Rakyat Indonesia (Persero) through PT Bank Rakyat Indonesia (Perser) Tbk of
Tbk sebesar 99,99998%. Dengan adanya Holding 99.99998%. through Ultra Micro SOEs Holding and the
BUMN Ultra Mikro dan kepemilikan Pemerintah Government ownership by PT Bank Rakyat Indonesia
Indonesia melalui PT Bank Rakyat Indonesia (Persero) (Persero) Tbk aimed to create the ecosystem in order
Tbk bertujuan untuk menciptakan ekosistem agar to there will be more ultra micro enterpreneurs who
semakin banyak lagi pelaku usaha ultra mikro yang can access formal financial services. Besides, Ultra
terjangkau layanan keuangan formal. Selain itu, Micro SOEs Holding is expected to resulted the
kehadiran Holding BUMN Ultra Mikro diharapkan synergy of digitalization and a platform for micro
dapat menghasilkan sinergi digitalisasi dan platform enterprenuers empowerment in Indonesia. This
pemberdayaan pelaku usaha kecil di Indonesia. Sinergi synergy will facilitates MSMEs data center that can be
ini akan menghadirkan pusat data UMKM yang bisa used as national MSMEs data center.
dimanfaatkan sebagai sumber data UMKM dalam skala
nasional.
Sesuai dengan Peraturan Pemerintah No. 41 Tahun According to the Government Regulation No. 41 of
2003 tentang Pelimpahan Kedudukan, Tugas dan 2003 concerning Transfer of Position, Duties and
Kewenangan Menteri Keuangan pada Perusahaan Authorities of Minister of Finance on Limited Liability
Persero (Persero), Perusahaan Umum (PERUM) dan Companies (Persero), Public Company (PERUM), and
Perusahaan Jawatan (PERJAN) kepada Menteri Service Companies (PERJAN) to Minister of State-
Negara Badan Usaha Milik Negara; maka Kuasa Entitas Owned Enterprises; so the proxy of the Company’s
Pemilik Akhir Perseroan adalah Kementerian Badan Ultimate Owner is the Ministry of State-Owned
Usaha Milik Negara (BUMN). Enterprises (SOEs).
PT Pegadaian | 2023 Annual Report 137
Page 138
Profil Perusahaan
Company Profile
Sekilas Profil Pemegang Saham Utama/Pengendali/Entitas Induk Pegadaian
A Brief Profile of Major/Controlling Shareholders/Parent Entity of Pegadaian
Nama Perusahaan : PT Bank Rakyat Indonesia (Persero) Tbk
Name of the Company
Cikal Bakal : 16 Desember 1895 (De Poerwokertosche Hulp Spaaren Landbouw Credietbank atau
Date of Establishment Volksbank)
December 16, 1895 (De Poerwokertosche Hulp Spaaren Landbouw Credietbank or Volksbank)
Akta Pendirian : 31 Juli 1992
Deed of Establishment July 31, 1992
Status Badan Hukum : Perseroan Terbatas (PT), Badan Usaha Milik Negara (BUMN), Perusahaan Terbuka
Legal Status Limited Company (PT), State-Owned Enterprises (SOEs), Public Company
Maksud dan Tujuan : Melakukan usaha di bidang Perbankan serta optimalisasi pemanfaatan sumber daya yang
Aims and Objectives dimiliki BRI untuk menghasilkan jasa yang bermutu tinggi dan berdaya saing kuat untuk
mendapat/mengejar keuntungan guna meningkatkan nilai BRI dengan menerapkan prinsip-
prinsip Perseroan Terbatas.
Carried out business in Banking industry and optimizing resources owned by BRI to produce
high quality services and high competitiveness to obtained the benefit in order to increase
BRI values through implementing Limited Company’s principles.
Bidang Usaha : Perbankan umum; Kelompok Bank berdasarkan Modal Inti (KBMI): IV
Business Field General Banking; Bank Group Based on Core Capital (KBMI): IV
Kode Saham di BEI : BBRI
Ticker Code at BEI
Alamat : Kantor Pusat/Head Office
Address Sentra BRI Jl. Jend. Sudirman Kav. 44-46
Jakarta 10210
Telp. : +62 21 251-0244, 251-0254, 251-0264, +62 21 251-0269, 251-0279
Faks : +62 21 250-0077
Surel : humas@bri.co.id
Situs Web : www.bri.co.id
Call Center : 14017/1500017
Sekilas Kinerja Keuangan : • Aset/ Assets Rp1.965.007.030 (Dalam Jutaan Rupiah/ In Million Rupiah)
Brief Financial Performance • Liabilitas/ Liabilities Rp1.648.534.888 (Dalam Jutaan Rupiah/ In Million Rupiah)
• Ekuitas/ Equity Rp316.472.142 (Dalam Jutaan Rupiah/ In Million Rupiah)
• Pendapatan Bunga/ Rp135.183.487 (Dalam Jutaan Rupiah/ In Million Rupiah)
Interest Income
• Laba Bersih/ Net Profit Rp60.425.048 (Dalam Jutaan Rupiah/ In Million Rupiah)
Manajemen : Dewan Komisaris | Board of Commissioners
Management • Komisaris Utama/ President Commissioner Kartika Wirjoatmodjo
• Wakil Komisaris Utama/ Vice President Commissioner Rofikoh Rokhim
• Komisaris Independen/ Independent Commissioner Heri Sunaryadi
• Komisaris Independen/ Independent Commissioner Paripurna Poerwoko Sugarda
• Komisaris Independen/ Independent Commissioner Nurmaria Sarosa
• Komisaris Independen/ Independent Commissioner Hendrikus Ivo
• Komisaris Independen/ Independent Commissioner Dwi Ria Latifa
• Komisaris Independen/ Independent Commissioner Agus Riswanto
• Komisaris/ Commissioner Rabin Indrajad Hattari
• Komisaris/ Commissioner Awan Nurmawan Nuh
Direksi | Board of Directors
• Direktur Utama/ President Director Sunarso
• Wakil Direktur Utama/ Vice President Director Catur Budi Harto
• Direktur Bisnis Mikro/ Director of Micro Business Supari
• Direktur Bisnis Kecil dan Menengah/
Director of Small and Medium Business Amam Sukriyanto
• Direktur Bisnis Konsumer/ Director of Consumer Business Handayani
• Direktur Human Capital/ Director of Human Capital Agus Winardono
• Direktur Keuangan/ Director of Finance Viviana Dyah Ayu Retno K
• Direktur Digital dan Teknologi Informasi/
• Director of Digital and Information Technology Arga M. Nugraha
• Direktur Manajemen Risiko/ Director of Risk Management Agus Sudiarto
• Direktur Bisnis Wholesale dan Kelembagaan/
Director of Wholesale and Organizational Business Agus Noorsanto
• Direktur Jaringan dan Layanan/
Director of Network and Service Andrijanto
• Direktur Kepatuhan/ Director of Compliance Ahmad Solichin Lutfiyanto
138 Laporan Tahunan 2023 | PT Pegadaian
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Struktur Grup dan Daftar
Entitas Anak dan Entitas
Asosiasi
Group Structure and Subsidiaries and Associations
Pemerintah Republik Indonesia Publik (masing-masing kepemilikan di bawah 5%)
The Government of Republic of Indonesia Public (each ownership is under 5%)
56,75% 43,25%
PT Bank Rakyat Indonesia (Persero) Tbk
0,00002% 99,99998%
(1 lembar Saham Seri A Dwiwarna) (6.249.999 lembar Saham Seri B Biasa)
(1 Share of Series A Dwiwarna) (6,249,999 Shares of Series B)
99,99% 99,00% 99,00% 99,999% 13,88%
Entitas Pemilik Akhir/Pengendali Akhir Pemegang Saham Utama Entitas Anak Entitas Asosiasi
Ultimate Owner Entity Main Controlling Shareholders (Parent Entity) Subsidiaries Associated Entities
PT Pegadaian | 2023 Annual Report 139
Page 140
Profil Perusahaan
Company Profile
Daftar Entitas Anak dan Entitas Asosiasi
List of Subsidiaries and Associated Entities
Tahun Tahun Kepemilikan Aset
Beroperasi Penyertaan Ownership Assets Status
Entitas Anak Bidang Usaha Domisili Komersial Modal Operasi
Subsidiaries Business Field Domicile Commercial Capital Operating
Operating Participation 2023 2022 2023 2022 Status
Year Year
Entitas Anak | Subsidiaries
PT Balai Lelang Jasa Lelang Jakarta 2015 2014 99,99% 99,99% 195 196 Beku Operasi
Artha Gasia Auction Service Freezed
Operation
PT Pesonna Jasa Umum Jakarta 2015 2014 99,00% 99,00% 889.661 589.720 Beroperasi
Optima Jasa General Service Operating
PT Pesonna Konstruksi, Travel Jakarta 2015 2015 99,00% 99,00% 123.700 138.307 Beroperasi
Indonesia Jaya Agent, Building Operating
Management dan Gade
Cafe
Construction, Travel
Agent, Building
Management and
Gade Cafe
PT Pegadaian Jasa perdagangan emas Jakarta 2018 2018 99,999% 99,999% 633.528 630.342 Beroperasi
Galeri Dua batangan, perhiasan Operating
dan batu mulia
Empat
Trading services of Gold
Bar, Jewelry,
and Precious Stones
Entitas Asosiasi | Associate Entities
PT Pefindo Jasa Credit Scoring Jakarta 2015 2015 13,88% 13,88% 406.992 329.674 Beroperasi
Biro Kredit Report Operating
Credit Scoring
Report Service
140 Laporan Tahunan 2023 | PT Pegadaian
Page 141
PT Balai Lelang Artha Gasia (“BLAG”)
Entitas Anak | Subsidiary
PT Balai Lelang Artha Gasia (“BLAG”), bergerak di bidang PT Balai Lelang Artha Gasia (“BLAG”) carries out auction
jasa lelang yaitu menyediakan jasa pelelangan harta tetap service field that provides individual fixed assets and
dan harta bergerak milik perorangan, serta aset perusahaan moveable assets auction services, company’s assets owned
milik instansi pemerintah maupun swasta sehingga diperoleh by the government institution or private company so it can
harga penjualan yang optimal. obtained optimum selling price.
Pada tanggal 29 Juli 2010, Rapat Umum Pemegang Saham In 2010, Extraordinary General Meeting of Shareholders
Luar Biasa (RUPSLB) BLAG memutuskan pembekuan (EGMS) dated July 29, 2010 decided to stop BLAG
kegiatan operasional BLAG dalam rangka restrukturisasi operational activity in order to business and management
usaha dan kepengurusan. Di tanggal 29 Agustus 2012, restructurization. In 2012, BLAG’s EGMS dated August 29,
RUPSLB BLAG memutuskan untuk mengaktifkan kembali 2012 decided to reactive BLAG’s activity and management
kegiatan usaha dan restrukturisasi pengurus BLAG. restructurization. 3 (three) years later, on March 26, 2015,
Selanjutnya, 3 (tiga) tahun kemudian, tepatnya pada 26 BLAG’s GMS decided to amended Article of Association,
Maret 2015, RUPS BLAG memutuskan melakukan perubahan where one of the decision was ratification of name changing
Anggaran Dasar yang salah satu keputusannya adalah to become PT Balai Lelang Pegadaian (“BLP”). BLP’s GMS
pengesahan pergantian nama menjadi PT Balai Lelang dated November 22, 2016 ratified the decision to re-change
Pegadaian (“BLP”). RUPS BLP pada tanggal 22 November BLP name to be PT Balai Lelang Artha Gasia.
2016 mengesahkan keputusan untuk mengembalikan nama
BLP menjadi PT Balai Lelang Artha Gasia.
Rapat Umum Pemegang Saham (RUPSLB) BLAG yang In 2017, Extraordiary General Meeting Shareholders (EGMS)
dilaksanakan pada tanggal 29 September 2017 memutuskan of BLAG dated September 29, 2017 decided to re-stop
kembali untuk melakukan pembekuan kegiatan operasional BLAG’s operational activity. As of December 31, 2022, PT
BLAG. Hingga 31 Desember 2022, kegiatan operasional PT LAG operational activity is still stopped. Pegadaian owned
BLAG masih dalam status dibekukan. Pegadaian memiliki 99.99% of BLAG shares, while the 0.01% owned by Drs.
99,99% saham BLAG, sementara sisanya 0,01% dimiliki oleh Deddy Kusdedi, MM.
Drs. Deddy Kusdedi, MM.
Manajemen Kunci PT Balai Lelang Artha Gasia (per 31 Desember 2023)
Key Management of PT Balai Lelang Artha Gasia (as of December 31, 2023)
Dewan Komisaris -
Board of Commissioners
Direktur Utama -
President Director
Direksi -
Board of Directors
Alamat PT Balai Lelang Artha Gasia
Jl. Kramat Raya No. 162
Jakarta Pusat 10430
Tel : +62-21 315 5550
Fax : +62-21 391 4221
Email : arthagasia@arthagasia.com
Situs Web : www.arthagasia.com
PT Pegadaian | 2023 Annual Report 141
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Profil Perusahaan
Company Profile
PT Pesonna Optima Jasa (“POJ”)
Entitas Anak | Subsidiary
PT Pesonna Optima Jasa (“POJ”) bergerak di bidang PT Pesonna Optima Jaya (“POJ”) carries out general
pelayanan jasa umum (general services) yang meliputi services that includes procurement of outsourcing workers
penyediaan jasa tenaga outsourcing (keamanan, kebersihan, (security, cleaning, driver, office/garden maintenance),
pengemudi, pemeliharaan kantor/taman), persewaan transportation rental, office stuff rental, expedition service,
kendaraan, persewaan alat-alat kantor, jasa ekspedisi, dan and other general services that supports POJ operational.
jasa umum lainnya yang mendukung operasional POJ.
Dasar hukum Pendirian PT POJ berdasarkan Akta No. PT POJ establishment deed dated November 19, 2014 made
16 tanggal 19 November 2014 yang dibuat di hadapan before Nanda Fauz Iwan, SH., Mkn, Notary in South Jakarta
Nanda Fauz Iwan, SH., MKn., Notaris di Jakarta Selatan and has been ratified by Minister of Law and Human Rights
dan telah disahkan oleh Menteri Hukum dan Hak Asasi of Republic of Indonesia according to Decision Letter No.
Manusia Republik Indonesia berdasarkan SK No. AHU- AHU-35439.40.10.2014 dated November 19, 2014. PT
35439.40.10.2014 tanggal 19 November 2014. PT Pesonna Pesonna Optima Jasa start its operation on December 2014.
Optima Jasa mulai beroperasi pada Desember 2014.
Modal Dasar pendirian sebesar Rp100 miliar dan Modal The Company’s authorized capital is Rp100 billion and the
Ditempatkan dan Disetor Penuh sebesar Rp100 miliar issued and fully paid-up capital is Rp100 billion with the
dengan komposisi kepemilikan saham PT POJ 99,00% share ownership composition of PT POJ being 99.00%
dikuasai oleh Pegadaian dan 1,00% merupakan milik Yayasan controlled by Pegadaian and 1.00% belonging to the
Kesejahteraan Pegadaian Permata (YKPP). Yayasan Kesejahteraan Pegadaian Permata (YKPP).
Manajemen Kunci PT Pesonna Optima Jasa (per 31 Desember 2023)
Key Management of PT Pesonna Optima Jasa (as of December 31, 2023)
Komisaris Alfian Noor
Commissioner
Direktur Utama Agus Priyabodo
President Director
Direktur Yul Afian
Director
Alamat PT Pesonna Optima Jasa
Jl. Laksamana Malahayati No. 6, RW.7, Cipinang Muara, Kec.
Jatinegara, Jakarta Timur (13420)
Email : poj@optimajasa.co.id
Situs Web : www.optimajasa.co.id
142 Laporan Tahunan 2023 | PT Pegadaian
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PT Pesonna Indonesia Jaya (“PIJ”)
Entitas Anak | Subsidiary
PT Pesonna Indonesia Jaya (“PIJ”) bergerak di bidang PT Pesonna Indonesia Jaya (“PIJ”) carries out Construction,
pengelolaan Konstruksi, Travel Agent, Building Management Travel Agent, Building Management and Gade Cafe. Deed
dan Gade Cafe. Dasar hukum pendirian PT Pesonna of Establishment of PT Pesonna Indonesia Jaya No. 02
Indonesia Jaya berdasarkan Akta No. 02 tanggal 6 Februari dated February 6, 2015 made before Nanda Fauz Iwan,
2015 yang dibuat di hadapan Nanda Fauz Iwan, SH., SH., M.Kn, notary in South Jakarta and has been ratified by
M.Kn., Notaris di Jakarta Selatan dan telah disahkan oleh Minister of Law and Human Rights of Republic of Indonesia
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia according to Decree No. AHU-0005845.AH.01.01 of 2015
berdasarkan SK No. AHU-0005845. AH.01.01 tahun 2015 dated February 6, 2015. PT Pesonna Indonesia Jaya start its
tanggal 6 Februari 2015. PT Pesonna Indonesia Jaya mulai operation on February 2015.
beroperasi pada Februari 2015.
Modal Dasar pendirian sebesar Rp200 miliar dan Modal The Company’s authorized capital is Rp200 billion and
Ditempatkan dan Disetor Penuh sebesar Rp50 miliar issued and fully paid capital of Rp50 billion with the
dengan komposisi kepemilikan saham PT PIJ 99,00% composition of share ownership of 99.00% owned by
dikuasai oleh Pegadaian dan 1,00% merupakan milik Yayasan Pegadaian and 1.00% owned by Yayasan Kesejahteraan
Kesejahteraan Pegadaian Permata (YKPP). Pegadaian Permata (YKPP).
Manajemen Kunci PT Pesonna Indonesia Raya (per 31 Desember 2023)
Key Management of PT Pesonna Indonesia Jaya (as of December 31, 2023)
Komisaris Utama Ismail Ilyas
President Commissioner
Komisaris Independen Agus Suharyono
Independent Commissioner
Direktur Utama Muhammad Nurkasan
President Director
Direktur Muharam Yudyarto
Director
Alamat PT Pesonna Indonesia Jaya
Menara Salemba Lantai 8
Jl. Salemba Raya No. 05
Jakarta Pusat, 10430
Telp : +62-21 319 26149
Email : corsec@pesonna.co.id
Situs Web : www.pesonna.co.id
PT Pegadaian | 2023 Annual Report 143
Page 144
Profil Perusahaan
Company Profile
PT Pegadaian Galeri Dua Empat (“PGDE”)
Entitas Anak | Subsidiary
PT Pegadaian Galeri Dua Empat bergerak di bidang PT Pegadaian Galeri Dua Empat carries gold bars, jewelry,
perdagangan emas batangan, perdagangan perhiasan and precious stones trading. Deed of Establishment of PT
dan perdagangngan batu mulia. Dasar hukum Pendirian Pegadaian Galeri Dua Empat No. 01 dated August 3, 2018
PT Pegadaian Galeri Dua Empat berdasarkan Akta No. 01 made before Nanda Fauz Iwan, SH., MKn, Notary in South
tanggal 03 Agustus 2018 yang dibuat di hadapan Nanda Jakarta and has been ratified by Minister of Law and Human
Fauz Iwan, S.H., M.Kn., Notaris di Jakarta Selatan dan telah Rights of Republic of Indonesia according to Decree No.
disahkan oleh Menteri Hukum dan Hak Asasi Manusia AHU-0037424.AH.01.01 of 2018 dated August 8, 2018.
Republik Indonesia berdasarkan SK No. AHU-0037424.
AH.01.01 Tahun 2018 tanggal 08 Agustus 2018.
Modal Dasar pendirian sebesar Rp500 miliar dan Modal The Company’s Authorized Capital is Rp500 billion and
Ditempatkan dan Disetor Penuh sebesar Rp132,7 miliar the issued and fully paid-up capital is Rp132.7 billion with
dengan komposisi kepemilikan PT PGDE 99,999% dikuasai the ownership composition of PT PGDE being 99.999%
oleh Pegadaian dan 0,001% merupakan milik Yayasan controlled by Pegadaian and 0.001% belonging to the
Kesejahteraan Pegadaian Permata (YKPP). Yayasan Kesejahteraan Pegadaian Permata (YKPP).
Manajemen Kunci PT Pegadaian Galeri Dua Empat (per 31 Desember 2023)
Key Management oF PT Pegadaian Galeri Dua Empat (as of December 31, 2023)
Komisaris Luh Putu Andarini
Commissioner
Direktur Endah Susiani
Director
Alamat PT Pegadaian Galeri Dua Empat
Gedung Kenari Baru Jl. Salemba Raya No. 2, Kenari, Kec.
Senen
Jakarta Pusat 10430
Tel : +62-21 310 4506
Fax : +62-21 310 4506
Email : g24pegadaian@gmail.com
Situs Web : www.galeri24.co.id
144 Laporan Tahunan 2023 | PT Pegadaian
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PT Pefindo Biro Kredit (“PBK”)
Entitas Asosiasi | Associate Entity
PT Pefindo Biro Kredit bergerak di bidang biro kredit PT Pefindo Biro Kredit carries business in the field of
swasta, yang memberikan jasa Credit Scoring Report yang private credit bureau, that provides Credit Scoring Report
merupakan laporan komprehensif informasi identitas debitur service which are comprehensive reports of the debtor
dan profil perkreditan, serta Credit and Fraud Alerts sebagai identity ad loan profile, as well as Credit and Fraud Alerts
layanan notifikasi terhadap pelemahan atau penguatan as a notification service to the weakening or strengthening
profil kredit debitur, termasuk indikasi fraud yang dilaporkan debtor credit profile, including fraud indication reported
secara otomatis. automatically.
Komposisi kepemilikan saham 25,52% dikuasai oleh PT Share ownership composition is 25.52% controlled by PT
Bursa Efek Indonesia (“BEI”), selebihnya dimiliki oleh Bursa Efek Indonesia (“BEI”), the remainder is owned by
PT Pemeringkat Efek Indonesia (“Pefindo”) 25,45%, PT PT Pemeringkat Efek Indonesia (“Pefindo”) of 25.45%,
Pegadaian 13,88%, PT Cahaya Teknologi Optima Sejahtera PT Pegadaian of 13.88%, PT Cahaya Teknologi Optima
12,61%, Dana Pensiun Bank Indonesia 6,56%, Sigma Cipta Sejahtera of 12,61%, Dana Pensiun Bank Indonesia of 6.56%,
Caraka 5,88%, PT Taspen (Persero) 5,88%, PT Cipta Alami Sigma Cipta Caraka of 5.88%, PT Taspen (Persero) of
Rintisan Digital 3,17%, dan Asosiasi Perusahaan Pembiayaan 5.88%, PT Cipta Alami Rintisan Digital of 3.17%, and the
Indonesia (APPI) 1,05%. Asosiasi Perusahaan Pembiayaan Indonesia (APPI) of 1,
05%.
Manajemen Kunci PT Pefindo Biro Kredit (per 31 Desember 2023)
Key Management of PT Pefindo Biro Kredit (as of December 31, 2023)
Komisaris Utama Tirta Segara
President Commissioner
Komisaris Hendy Sulistiyowati
Commissioner
Direktur Utama Yohanes Arts Abimanyu
President Director
Direktur Wahyu Trenggono
Director
Direktur Liauw Yohanes
Director
Alamat PT Pefindo Biro Kredit
Gedung Bursa Efek Indonesia, Tower 1 Lantai 1
Jl. Jenderal Sudirman
Kav. 52-53, Kawasan SCBD
Jakarta Selatan 12910
Tel : +62-21 515 4501
Fax : +62-21 515 4503
Situs Web : IdScore.id
PT Pegadaian | 2023 Annual Report 145
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Profil Perusahaan
Company Profile
Informasi tentang
Pencatatan Saham
Information on Stock Listing
Sepanjang tahun 2023, Pegadaian tidak melakukan Throughout 2023, Pegadaian has not conduct a Public
Penawaran Umum Saham di Bursa Efek manapun. Offering of Shares on any Stock Exchange. Thus, the
Dengan demikian, Perseroan tidak memiliki informasi Company does not have information regarding the
mengenai kronologis pencatatan saham yang dapat chronology of share listing that can be presented in
disajikan dalam Laporan Tahunan ini. this Annual Report.
Kronologis Penerbitan dan
Pencatatan Efek Lainnya
Chronology of Other Securities’ Issuance and Listing
Sejak tahun 1993, Pegadaian telah menerbitkan emisi Since 1993, Pegadaian has issued bonds until the latest
obligasi hingga tahun 2023. Adapun efek-efek dan/ in 2023. The securities issued by Pegadaian that are
atau surat berharga yang diterbitkan Pegadaian yang still circulating in 2023 are as follows:
masih beredar di tahun 2023 adalah sebagai berikut:
Efek-efek dan/atau Surat Berharga yang Tercatat di Bursa Efek
Securities Listed on the Stock Exchange
Tingkat Suku Nilai
Tanggal
Tahun Tanggal Bunga/Imbal Penawaran
Nama Efek Jatuh Peringkat Efek
Penerbitan Penerbitan Hasil (Rp-Juta) Keterangan
Securities Tempo Securities
Issuance Issuance Interest Rate Offering Description
Name Maturity Rating
Year Date Level / Value
Date
Return (RpMillion)
Obligasi
2020 Obligasi 8 Juli 2020 8 Juli 2025 7,95% p.a 142.000 idAAA (Pefindo) Aktif
Berkelanjutan IV July 8, 2020 July 8, 2025 Active
Tahap II Seri C
Continuous
Bonds IV Phase
II Series C
2021 Obligasi 6 April 2021 6 April 2024 6,20% p.a 1.107.500 idAAA (Pefindo) Aktif
Berkelanjutan IV April 6, 2021 April 6, 2024 Active
Tahap IV Seri B
Continuous
Bonds IV Phase
IV Series B
146 Laporan Tahunan 2023 | PT Pegadaian
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Efek-efek dan/atau Surat Berharga yang Tercatat di Bursa Efek
Securities Listed on the Stock Exchange
Tingkat Suku Nilai
Tanggal
Tahun Tanggal Bunga/Imbal Penawaran
Nama Efek Jatuh Peringkat Efek
Penerbitan Penerbitan Hasil (Rp-Juta) Keterangan
Securities Tempo Securities
Issuance Issuance Interest Rate Offering Description
Name Maturity Rating
Year Date Level / Value
Date
Return (RpMillion)
2022 Obligasi 26 April 26 April 2025 5,35% 598.000 idAAA (Pefindo) Aktif
Berkelanjutan V 2022 April 26, Active
Tahap I Seri B April 26, 2025
Continuous 2022
Bonds V Phase I
Series B
Obligasi 16 Agustus 16 Agustus 5,75% 276.000 idAAA (Pefindo) Aktif
Berkelanjutan V 2022 2025 Active
Tahap II Seri B August 16, August 16,
Continuous 2022 2025
Bonds V Phase II
Series B
2023 Obligasi 16 Juni 2023 26 Juni 2024 5,80% 1.595.000 idAAA (Pefindo) Aktif
Berkelanjutan V June 16, June 26, Active
Pegadaian Tahap 2023 2024
III Seri A
Continuous
Bonds V Phase
III Series A
Obligasi 16 Juni 2023 16 Juni 2026 6,20% 400.000 idAAA (Pefindo) Aktif
Berkelanjutan V June 16, June 16, 2026 Active
Pegadaian Tahap 2023
III Seri B
Continuous
Bonds V Phase
III Series B
Obligasi 24 Agustus 5 September 5,90% 2.205.135 idAAA (Pefindo) Aktif
Berkelanjutan V 2023 2024 Active
Pegadaian Tahap August 24, September 5,
IV Seri A 2023 2024
Continuous
Bonds V Phase
IV Series A
Obligasi 24 Agustus 24 Agustus 5,90% 228.025 idAAA (Pefindo) Aktif
Berkelanjutan V 2023 2026 Active
Pegadaian Tahap August 24, August 24,
IV Seri B 2023 2026
Continuous
Bonds V Phase
IV Series B
Sukuk
2020 Sukuk 8 Juli 2020 8 Juli 2025 7,95% p.a 80.500 idAAA (Pefindo) Aktif
Mudharabah July 8, 2020 July 8, 2025 Active
Berkelanjutan I
Tahap II Seri C
Continuous
Sukuk
Mudharabah I
Phase II Series C
2021 Sukuk 6 April 2021 6 April 2024 6,20% p.a 165.800 idAAA (Pefindo) Aktif
Mudharabah April 6, 2021 April 6, 2024 Active
Berkelanjutan I
Tahap IV Seri B
Continuous
Sukuk
Mudharabah I
Phase IV Series
B
PT Pegadaian | 2023 Annual Report 147
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Profil Perusahaan
Company Profile
Efek-efek dan/atau Surat Berharga yang Tercatat di Bursa Efek
Securities Listed on the Stock Exchange
Tingkat Suku Nilai
Tanggal
Tahun Tanggal Bunga/Imbal Penawaran
Nama Efek Jatuh Peringkat Efek
Penerbitan Penerbitan Hasil (Rp-Juta) Keterangan
Securities Tempo Securities
Issuance Issuance Interest Rate Offering Description
Name Maturity Rating
Year Date Level / Value
Date
Return (RpMillion)
2022 Sukuk 26 April 26 April 2025 5,35% 320.000 idAAA”(sy) Aktif
Mudharabah 2022 April 26, Active
Berkelanjutan II April 26, 2025
Tahap I Seri B 2022
Continuous
Sukuk
Mudharabah II
Phase I Series B
Sukuk 16 Agustus 16 Agustus 5,75% 245.000 idAAA”(sy) Aktif
Mudharabah 2022 2025 Active
Berkelanjutan II August 16, August 16,
Tahap II Seri B 2022 2025
Continuous
Sukuk
Mudharabah II
Phase II Series B
2023 Sukuk 16 Juni 2023 26 Juni 2024 5,80% 605.000 idAAA”(sy) Aktif
Mudharabah June 16, June 26, Active
Berkelanjutan II 2023 2024
Tahap III
Continuous
Sukuk
Mudharabah II
Phase III
Sukuk 24 Agustus 24 Agustus 5,90% 235.040 idAAA”(sy) Aktif
Mudharabah 2023 2026 Active
Berkelanjutan II August 24, August 24,
Tahap IV 2023 2026
Continuous
Sukuk
Mudharabah II
Phase IV
Efek-efek dan/atau Surat Berharga yang Tidak Tercatat di Bursa Efek
Securities That Not Listed in Stock Exchange
Nilai
Tingkat Suku
Tanggal Penawaran
Tahun Tanggal Bunga/Imbal Peringkat
Jatuh (Rp-Juta)
Penerbitan Nama Efek Penerbitan Hasil Efek Keterangan
Issuance Securities Issuance Tempo Offering Securities Description
Interest Rate
Year Date Maturity Value Ratings
Level /
Date (Rp-juta)
Return
(RpMillion)
Medium Term Notes (MTN)
2018 MTN Syariah 6 Maret 2018 6 Maret 2021 7,00% p.a 450.000 2021: Lunas pada 6 Maret
Mudharabah I March 6, March 6, 2021 idAAA 2021
Seri A 2018 (Pefindo) Settled on March
2020: 6, 2021
idAAA
(Pefindo)
MTN Syariah 13 Maret 13 Maret 2021 7,00% p.a 50.000 2021: Lunas pada 13 Maret
Mudharabah I 2018 March 13, idAAA 2021
Seri B March 13, 2021 (Pefindo) Settled on March
2018 2020: 13, 2021
idAAA
(Pefindo)
148 Laporan Tahunan 2023 | PT Pegadaian
Page 149
Lembaga dan Profesi
Penunjang Pasar Modal
Capital Market Supporting Institutions and Professions
Akuntan Publik dan Kantor Akuntan Publik
Public Accountant and Public Accounting Firm
Kantor Akuntan Publik (KAP) Purwantono, Sungkoro & Surja (EY)
Public Accounting
Firm
Akuntan Publik (AP) Christophorus Alvin Kossim
Public Accountant
Alamat dan Kontak Gedung Bursa Efek indonesia (BEI) Tower 2 lantai 7
Address and Contact Jl. Jend. Surdirman Kav. 52-53, Jakarta
Telp. 021 52895000
Jasa yang Diberikan Audit Laporan Keuangan Tahun Buku 2023
Services Provided Audit of Financial Statements for the 2023 Fiscal Year
Periode Penugasan 2023
Assignment Period
Biaya Rp6.250.000.000,00
Fee
Kustodian
Custodian
Nama PT Kustodian Sentral Efek Indonesia
Name
Alamat dan Kontak Gedung Bursa Efek Indonesia Tower I Lt. 5
Address and Contact Jl. Jend. Sudirman Kav. 52-53
Jakarta 12190
Telp :+62 21 515 2855
Faks: +62 21 5299 1199
Surel: helpdesk@ksei.co.id
Situs Web: www.ksei.co.id
Jasa yang Diberikan Jasa Kustodian (Efek)
Services Provided Custodian Services (Securities)
Bursa Efek
Stock Exchange
Nama PT Bursa Efek Indonesia
Name
Alamat dan Kontak Indonesia Stock Exchange Building-Tower I, 6th Floor
Address and Contact Jakarta, Indonesia
Telp: 0800 100 9000
Situs Web: www.idx.co.id
Jasa yang Diberikan Jasa Informasi Perdagangan dan Pencatatan Efek
Services Provided Trading Information and Securities Listing Services
PT Pegadaian | 2023 Annual Report 149
Page 150
Profil Perusahaan
Company Profile
Notaris
Notary
Nama Nanette Cahyanie Handari Adi Warsito
Name
Alamat dan Kontak Jl Panglima Polim V/11 Kebayoran Baru, Jakarta — 12160
Address and Contact
Jasa yang Diberikan Jasa Notaris atas Obligasi dan Sukuk
Services Provided Notarial Services for Bonds and Sukuk
Konsultan Hukum
Legal Consultant
Nama Marsinih Martoatmodjo Iskandar Law Office
Name
Alamat dan Kontak Office 8, 15 th Floor, Suite H SCBD Lot 28
Address and Contact Jalan Senopati Raya No 8B, Jakarta 12190
Jasa yang Diberikan Jasa Konsultasi Hukum atas Obligasi dan Sukuk
Services Provided
Jasa Audit Penjatahan
Allotment Audit Service
Nama Kantor Akuntan Publik Doli, Bambang, Sulistyanto, Dadang & Ali
Name
Alamat dan Kontak Sentra Bisnis Harapan Indah, Blok SS 11 No. 6-7
Address and Contact Jl. Harapan Indah Raya, Bekasi 17132
Jasa yang Diberikan Jasa Audit Penjatahan atas Obligasi dan Sukuk
Services Provided Allotment Audit Services for Bonds and Sukuk
Jasa Percetakan
Printing Services
Nama PT Hanindo Mitra Lestari
Name
Alamat dan Kontak Jalan Tebet Barat Dalam IV C No.23
Address and Contact Jakarta Selatan
Jasa yang Diberikan Jasa percetakan atas Obligasi dan Sukuk
Services Provided Printing services for Bonds and Sukuk
Jasa Ahli Syariah
Sharia Expert Services
Nama Bapak Kanny Hidaya Y.W.,SE, MA.
Name
Alamat dan Kontak Jl Setu Baru No. 78
Address and Contact Sukmajaya, Kota Depok
Jawa Barat
Jasa yang Diberikan Jasa Ahli Syariah Sukuk
Services Provided Sharia Sukuk Expert Services
150 Laporan Tahunan 2023 | PT Pegadaian
Page 151
Pemeringkat Efek
Securities Rating
Nama PT Pemeringkat Efek Indonesia
Name
Alamat dan Kontak Equity Tower Lt.30 Sudirman Central Business District Lot.9
Address and Contact Jl. Jend. Sudirman Kav.52-53
Telp: +6221 509 68469
Faks: +6221 509 68468
Situs Web: www.pefindo.com
Jasa yang Diberikan Jasa Pemeringkatan Obligasi, Sukuk & SBK
Services Provided Bonds, Sukuk and SBN Rating Services
Penjamin Pelaksana Emisi
Emission Underwriter
Nama PT Mandiri Sekuritas
Name
Alamat dan Kontak Menara Mandiri I Lantai 24-25
Address and Contact Jl. Jenderal Sudirman Kav 54-55
Jakarta 12190
Telp: +6221 526 3445
Faks: +6221 526 3521
Jasa yang Diberikan Penjaminan Emisi atas Obligasi dan Sukuk
Services Provided Underwriting for Bonds and Sukuk
Nama PT BNI Sekuritas
Name
Alamat dan Kontak Sudirman Plaza, Indofood Tower 16th Floor
Address and Contact Jl. Jenderal Sudirman Kav 76-78
Jakarta 12910
Telp: +6221 255 43946
Faks: +6221 579 35831
Jasa yang Diberikan Penjaminan Emisi atas Obligasi dan Sukuk
Services Provided Underwriting for Bonds and Sukuk
Nama PT BRI Danareksa Sekuritas
Name
Alamat dan Kontak Gedung SRI II Lt. 23
Address and Contact JI. Jend Sudirman Kav. 44·46 Jakarta 10210. Indonesia T. (021) S091 4100 F. (021) 2520 990
Jasa yang Diberikan Penjaminan Emisi atas Obligasi dan Sukuk
Services Provided Underwriting for Bonds and Sukuk
Nama PT Indo Premier Sekuritas
Name
Alamat dan Kontak Pacific Century Place 16/F SCBD Lot 10.
Address and Contact JI. Jend. Sudirman Kav. 52-53, Jakarta 12190 Phone: (021) 508-87168
Jasa yang Diberikan Penjaminan Emisi atas Obligasi dan Sukuk
Services Provided Underwriting for Bonds and Sukuk
Nama PT BCA Sekuritas
Name
Alamat dan Kontak Menara BCA, Grand Indonesia, 41st Floor, JI. MH Thamrin No. 1, Jakarta 10310 - Indonesia
Address and Contact
Jasa yang Diberikan Penjaminan Emisi atas Obligasi dan Sukuk
Services Provided Underwriting for Bonds and Sukuk
PT Pegadaian | 2023 Annual Report 151
Page 152
Profil Perusahaan
Company Profile
Jangkauan
Wilayah
Operasional
Operational Area
Networks
Pegadaian terus meningkatkan I Medan
penetrasi bisnis gadai ke seluruh
wilayah Indonesia dengan
memberikan layanan yang terbaik,
melalui seluruh jaringan operasi yang
dimiliki. Saat ini, Pegadaian memiliki
1 Kantor Pusat, 12 Kantor Wilayah, 61 II Pekanbaru
Kantor Area, dan 4.092 outlet yang
terdiri dari 642 Kantor Cabang, 3.450
Kantor Unit Pelayanan Cabang, serta
628 Co-location Sentra Layanan Ultra Palembang
III
Mikro (SENYUM) yang tersebar di
berbagai wilayah di Indonesia.
Pegadaian continues to increase pawn
business penetration throughout
Indonesia by providing the best
service, through its entire operational
network. Currently, Pegadaian has
1 Head Office, 12 Regional Offices, Jakarta
61 Area Offices, and 4,092 outlets
Semarang
VIII IX
consisting of 642 Branch Offices,
3.450 Branch Service Unit Offices, XI
and 628 Co-location Ultra Micro X
Service Center (SENYUM) spread
Bandung
across various regions in Indonesia. Surabaya
KANWIL III PALEMBANG REGIONAL OFFICE V MANADO
Kantor Pusat Regional Office III Palembang Regional Office V Manado
3 Kantor Area | Area Offices 6 Kantor Area | Area Offices
Head Office 229 Outlet 296 Outlet
47 Co-location SENYUM 61 Co-location SENYUM
KANWIL I MEDAN
• Jambi • Sulawesi Selatan/South Sulawesi
Regional Office I Medan
• Bengkulu • Sulawesi Tenggara/South-East Sulawesi
4 Kantor Area | Area Offices • Sumatera Selatan/South Sumatra • Gorontalo
283 Outlet • Sumatera Barat/West Sumatra • Maluku Utara/North Maluku
• Lampung • Papua
50 Co-location SENYUM • Bangka Belitung • Papua Barat/West Papua
• Aceh
• Sumatera Utara/North Sumatera KANWIL IV BALIKPAPAN KANWIL VI MAKASSAR
Regional Office IV Balikpapan Regional Office VI Makassar
KANWIL II PEKANBARU
Regional Office II Pekanbaru 5 Kantor Area | Area Offices 7 Kantor Area | Area Offices
3 Kantor Area | Area Offices 335 Outlet 403 Outlet
222 Outlet 57 Co-location SENYUM 66 Co-location SENYUM
• Kalimantan Utara/North Kalimantan • Sulawesi Selatan/South Sulawesi
44 Co-location SENYUM • Kalimantan Barat/West Kalimantan • Sulawesi Tenggara/Southeast Sulawesi
• Jambi • Kalimantan Timur/East Kalimantan • Sulawesi Barat/West Sulawesi
• Sumatera Barat/West Sumatra • Kalimantan Selatan/South Kalimantan • Maluku
• Riau • Kalimantan Tengah/Central Kalimantan
• Kepulauan Riau/Riau Islands
152 Laporan Tahunan 2023 | PT Pegadaian
Page 153
Manado
IV
IV
Balikpapan
VI
Makassar
Denpasar
XII
KANWIL VII DENPASAR
Regional Office VII Denpasar
6 Kantor Area | Area Offices
KANWIL X BANDUNG
Regional Office X Bandung 1 Kantor Pusat
Head Office
4 Kantor Area | Area Offices
12 Kantor Wilayah
426 Outlet 296 Outlet
59 Co-location SENYUM 58 Co-location SENYUM
• Bali Regional Office
• Jawa Barat/West Java
61 Kantor Area
• Nusa Tenggara Barat/
West Nusa Tenggara KANWIL XI SEMARANG
• Nusa Tenggara Timur/ Regional Office XI Semarang
East Nusa Tenggara Area Office
6 Kantor Area | Area Offices
4.092 Outlet
KANWIL VIII JAKARTA 1 423 Outlet
Regional Office VIII Jakarta 1 64 Co-location SENYUM
5 Kantor Area | Area Offices • Jawa Tengah/Central Java
• DIY Yogyakarta
628 Co-Location
376 Outlet
25 Co-location SENYUM KANWIL XII SURABAYA
• Banten Regional Office XII Surabaya
• DKI Jakarta
7 Kantor Area | Area Offices
642 Kantor Cabang
• Jawa Barat/West Java
456 Outlet
REGIONAL OFFICE IX JAKARTA 2 64 Co-location SENYUM
Regional Office IX Jakarta 2 Branch Office
• Jawa Timur/East Java
3.450 Kantor Unit Pelayanan Cabang
5 Area Offices | Area Offices
347 Outlet
33 Co-location SENYUM Branch Service Unit Office
• DKI Jakarta
71.906 Agen Aktif
• Jawa Barat/West Java
• Banten
Active Agent
PT Pegadaian | 2023 Annual Report 153
Page 154
Profil Perusahaan
Company Profile
Alamat Entitas Anak, Entitas
Asosiasi, Kantor Wilayah, dan
Kantor Area
Address of Subsidiaries, Association Entities, Regional Offices,
and Area Offices
PT Pegadaian PT Balai Lelang Artha Gasia (Entitas Anak)
Jl. Kramat Raya No. 162 Jakarta 10430, Indonesia PO Box 1090 Jl. Kramat Raya No. 162 Central Jakarta 10430
Telepon : +62-21 315 5550 Telepon : +62-21 315 5550
Faks : +62-21 391 4221 Faks : +62-21 391 4221
Email : sekper.pusat@pegadaian.co.id Email : arthagasia@arthagasia.com
Situs Web : www.pegadaian.co.id Situs Web : www.arthagasia.com
PT Pesonna Optima Jasa (Entitas Anak) PT Pegadaian Galeri Dua Empat (Entitas Anak)
Gedung Kenari Baru Lantai 4 No. S-406 Wisma Bhakti Mulya #311
Jl. Salemba Raya No. 2 Jakarta Pusat 10430 Jl. Kramat Raya No. 160 Jakarta Pusat 10430
Telepon : +62-21 239 51681 Telepon : +62-21 310 4506
Faks : +62-21 391 4221 Faks : +62-21 310 4506
Email : poj@optimajasa.co.id Email : pusat@galeri24.co.id
Situs Web : www.optimajasa.co.id Situs Web : www.galeri24.co.id
PT Pesonna Indonesia Jaya (Entitas Anak) PT Pefindo Biro Kredit (Entitas Asosiasi)
Gedung Kenari Baru Lantai 4 Gedung Bursa Efek Indonesia, Tower 1 Lantai 1
Jl. Salemba Raya No. 2 Jakarta Pusat, 10430 Jl. Jenderal Sudirman Kav. 52-53, Kawasan SCBD
Telepon : +62-21 319 26149 Jakarta Selatan 12910
Faks : +62-21 391 4221 Telepon : +62-21 515 4501
Email : corsec@pesonna.co.id Faks : +62-21 515 4503
Situs Web : www.pesonna.co.id Situs Web : IdScore.id
Alamat Kantor Wilayah (KANWIL)
Regional Offices Address
Alamat
KANWIL
Address
KANWIL I Medan Jl. Pegadaian No. 112, Medan, Sumatera Utara 20151
KANWIL II Pekanbaru Jl. Tuanku Tambusai No. 821, Kel. Labuh Baru Barat, Kec. Payung Sekaki, Pekanbaru, Riau 28291
KANWIL III Palembang Jl. Merdeka No. 11, Palembang, Sumatera Selatan 30132
KANWIL IV Balikpapan Jl. Jendral Sudirman No. 38, Stalkuda, Balikpapan, Kalimantan Timur 76114
KANWIL V Manado Jl. Dr. Soetomo No. 199, Pinaesaan Manado, Sulawaesi Utara 95221
KANWIL VI Makassar Jl. Pelita Raya, Blok A 24/3, Kel. Buakana, Kec. Rappocini, Kota Makassar, Sulawesi Selatan
KANWIL VII Denpasar Jl. Raya Puputan, No. 23C, Renon, Bali
KANWIL VIII Jakarta 1 Jl. Senen Raya No. 36, DKI Jakarta 10410
KANWIL IX Jakarta 2 Jl. Senen Raya No. 36 Jakarta-10410, DKI Jakarta
KANWIL X Bandung Jl. Pungkur No. 125, Bandung, Jawa Barat 40252
KANWIL XI Semarang Jl. Ki Mangunsarkoro No. 7, Semarang, Jawa Tengah 50241
KANWIL XII Surabaya Jl. Dinoyo No. 79, Surabaya, Jawa Timur 60265
154 Laporan Tahunan 2023 | PT Pegadaian
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Alamat Kantor Area
Area Offices Address
Alamat Kantor Area
KANWIL Area
Area Offices Address
Medan Area Medan 1 Jl. Pegadaian No. 112, Kel. Aur, Kec. Medan Maimun, Kota Medan 20151
Area Medan 2 Jl. Sakti Lubis No. 24, Kel. Sitirejo II, Kec. Medan Amplas, Kota Medan 20217
Area Banda Aceh Jl. Imam Bonjol No. 14, Kel. Kampung Baru, Kec. Baiturrahman, Kota Banda Aceh 23242
Area Rantau Prapat Jl Jendral Sudirman No 16 Kel Teladan Kec. Siantar Barat, Kota Pematang Siantar
Pekanbaru Area Pekanbaru Jl. Jenderal Sudirman No. 168, Tengkerang Sel., Bukit Raya, Kota Pekanbaru, Riau 28128
Area Batam Komp. Ruko Rafflesia Blok B No. 3, Batam Center, Batam
Area Padang Jl. Belakang Tangsi No. 16, Padang, Sumatera Barat 25121
Palembang Area Palembang Jl. Demang Lebar Daun, Ruko Duta Demang No. 3-4, Palembang 30137
Area Lampung Jl. WR Supratman No. 08, Teluk Betung, Bandar Lampung
Area Jambi Jl. Gatot Subroto No. 264, Jambi
Balikpapan Area Banjarmasin Jl. Pegadaian No.1, Pekapuran Laut, Banjarmasin, Kalimantan Selatan 70233
Area Pontianak Jl. Hos Cokroaminoto No.264, Pontianak 78117 Kalimantan Barat
Area Samarinda Jl. Ir. H. Juanda Komp Ruko Plasa Juanda Blok A No.7, Samarinda, Kalimantan Timur 75124
Area Balikpapan Jl. Sudirman No. 39, Kel. Klandasan Ulu, Kec. Balikpapan Kota, Balikpapan, Kalimantan
Timur
Area Tarakan Jl. Yos Sudarso No. 9, Tarakan, Kalimantan Utara 77112
Manado Area Manado 1 Jl. Piere Tendean, Kawasan Mega Mas Boulevard, Lingkungan 3, Kel. Sario Utara, Sario
Manado, Sulawesi Utara 95114
Area Manado 2 Jl. Yos Sudarso No. 3, Bitung, Sulawesi Utara
Area Gorontalo Jl. HB Jassin No. 264, Kel. Dulalowo, Gorontalo 96128
Area Palu Jl. Dr. Sam Ratulangi No. 60, Palu, Sulawesi Tengah 94118
Area Jayapura Jl. Gerilyawan No. 1 F Lt. 2, Kel. Awiyo Distrik Abepura, Kota Jayapura, Papua
Area Sorong Jl. Selat Seram No. 4, Remu Selatan, Sorong, Papua Barat 98400
Makassar Area Makassar 1 Jl. Sulawesi No. 285, Makassar
Area Makassar 2 Jalan A. Mappanyukki No.49 , Kunjung Mae, Kecamatan Mariso, Lantai 4, Kota Makassar,
Propinsi Sulawesi Selatan 90125
Area Pare-pare Jl. Singa No. 35, Kodya Pare-pare
Area Kendari Jl. Mayjend. Sutoyo No. 96, Kodya Kendari
Area Palopo Jl. Andi Kambo No. 43, Kel. Salekoe, Kec. Wara Timur, Kota Palopo
Area Bantaeng Jl. Manggis No. 69, Bantaeng
Area Ambon Jl. W.R. Supratman No. 34, Ambon
Denpasar Area Denpasar Jl. Raya Puputan No. 23 C Renon, Bali
Area Denpasar 2 Jl. Gunung Batukaru No. 9, Semarapura, Semarapura Kaja, Klungkung, Klungkung, Bali
Area Ampenan Jl. Koperasi No. 1 Ampenan, Lombok Barat 83112
Area Dompu Jl. Udang No Dompu, Bima 84213
Area Ende Jl. Garuda No. 1, Ende
Area Kupang Jl. Brawijaya No. 1, Kupang 855221
Jakarta 1 Area Senen Jl. Senen Raya No. 36, DKI Jakarta, 10410
Area KramatJati Jl. Jatinegara Barat No. 3A, Jatinegara, Balimester 13310
Area Bogor Jl. Ir Juanda No. 02, Bogor Tengah, Kota Bogor, Jawa Barat 16123
Area Jatiwaringin Jl. Raya Jatiwaringin Ruko Asem Baru No. 5-6, Jawa Barat 17411
Area Bekasi Jl. Ir. H. Juanda No. 28, Jawa Barat 17141
Jakarta 2 Area Tanjung Priuk Jl. Rawabadak No.1 No. 1 RT. 04/12 Rawabadak Utara, Koja, Jakarta Utara 14320
Area Tangerang Jl. A. Damjati No.7 No. 7 RT. 51/07, Sukarasa, Tangerang, Banten 15111
Area Cirendeu Jl. Aria Putra No. 11 RT. 01/09, Ciputat, Tangerang,
Area Kalideres Jl. Peta Utara No. 27 RT. 01/07, Pegadungan, Jakarta Barat
Area Kebayoran Baru Jl. Raya Ragunan No. P5, RT. 00 RW. 00, Pasar Minggu, Jati Padang, Pasar Minggu,
Jakarta Selatan
Bandung Area Bandung 1 Jl. Jend. Ahmad Yani No. 240, Kacapiring, Batununggal, Bandung
Area Bandung 2 Jl. Sukup Baru No. 1A, Bandung 40612
Area Cirebon Jl. Palang Merah No. 1, Cirebon
Area Tasikmalaya Jl. Oto Iskandardinata No. 08, Tasikmalaya 46113 Semarang
PT Pegadaian | 2023 Annual Report 155
Page 156
Profil Perusahaan
Company Profile
Alamat Kantor Area
KANWIL Area
Area Offices Address
Semarang Area Semarang Jl. Sidodadi Barat No. 2A, Semarang, Jawa Tengah 50124
Area Surakarta Jl. Sutan Syahrir No. 39, Surakarta, Jawa Tengah
Area Yogyakarta Jl. Gadean No.3, Ngupasan, Yogyakarta 55122
Area Purwokerto Jl. Jenderal Soedirman No. 299, Purwokerto, Jawa Tengah 53146
Area Tegal Jl. KS Tubun No. 46, Kejambon, Tegal, Jawa Tengah 52115
Area Pati Jl. Jend. Sudirman No. 80, Kudus Kota, Kudus, Jawa Tengah 59312
Surabaya Area Surabaya 1 Jl. Kapasari No. 7, Surabaya
Area Surabaya 2 Jl. Mojopahit No. 116, Sidoarjo
Area Madiun Jl. Cokroaminoto No. 45, Madiun 63153
Area Pamekasan Jl. P. Diponegoro No. 98, Pamekasan 69315
Area Malang Jl. Ade Irma Suryani No. 2, Malang
Area Jember Jl. Samanhudi No. 47, Jember 68131
Area Probolinggo Jl. Panglima Sudirman No. 75, Probolinggo 67214
Jaringan Outlet yang Beroperasi di Hari Minggu
Outlet Networks Operating in Sunday
No. KANWIL Area Outlet
1. Palembang Palembang UPC Mall Palembang Square
2. Palembang Palembang UPC PTC Mall
3. Palembang Palembang UPC Opi Mall
4. Balikpapan Banjarmasin UPC Duta Mall
5. Balikpapan Pontianak UPC Matahari Mall
6. Balikpapan Pontianak UPC Mega Mall
7. Manado Jayapura UPC Kota Baru
8. Makassar Kendari UPC Lapulu
9. Makassar Kendari UPC Mall Mandonga
10. Denpasar Ampenan UPC Gerung
11. Denpasar Dompu UPC Risanae
12. Denpasar Dompu UPS Bima
13. Jakarta 2 Tanjung Priok UPC Mall Artha Gading
14. Semarang Semarang UPC Poncol
156 Laporan Tahunan 2023 | PT Pegadaian
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Informasi pada Situs
Web Perusahaan
Information on the Company’s Website
Website resmi Pegadaian merupakan sarana pemenuhan The official Pegadaian website is a means of fulfilling
keterbukaan informasi publik, yang memberikan public information disclosure, which provides
informasi yang komunikatif dan up-to-date mengenai communicative and up-to-date information about
Perseroan, sesuai dengan prinsip transparansi dan the Company, in accordance with the principles of
keterbukaan. Pegadaian telah melengkapi situs web transparency and openness. Pegadaian has completed
dengan alamat www.pegadaian.co.id sesuai dengan a website with the address www.pegadaian.co.id in
ketentuan yang diatur oleh Peraturan Otoritas Jasa accordance with the provisions regulated by Financial
Keuangan No. 8/POJK.04/2015 tentang Situs Web Services Authority Regulation No. 8/POJK.04/2015
Emiten atau Perusahaan Publik. Informasi yang telah concerning Issuer or Public Company Website.
dimuat dalam website adalah mengenai pemegang The information contained on the website is about
saham, struktur grup perusahaan, analisis kinerja shareholders, company group structure, financial
keuangan, laporan keuangan 5 tahun terakhir serta performance analysis, financial statements for the last 5
profil Dewan Komisaris dan Direksi, yang senantiasa years as well as profiles of the Board of Commissioners
diperbaharui secara berkala. and Board of Directors, which are updated regularly.
Selain itu, situs web ini juga memuat informasi seputar Apart from that, this website also contains information
korporasi Pegadaian, produk dan jasa seperti simulasi about Pegadaian corporation, products and services
gadai dan emas, pengadaan, hingga berita terkini. such as pawn and gold simulation, procurement, and
Terdapat juga kanal Pejabat Pengelola Informasi the latest news. There is also Pegadaian Information
dan Dokumentasi (PPID) Pegadaian, sebagai bentuk and Documentation Management Officer (PPID)
implementasi prinsip-prinsip tata kelola perusahaan channel, as a form of implementation of the principles
yang baik. of good corporate governance.
Situs web ini menjadi portal yang dapat diakses secara This website is an openly accessible portal, with the
terbuka, dengan tujuan memberikan informasi yang aim of providing comprehensive information about
komprehensif tentang Pegadaian kepada khalayak luas. Pegadaian to public.
Uraian Ketersediaan Keterangan
Description Availability Description
Informasi pemegang saham sampai dengan pemilik akhir individu
Information on shareholders to the ultimate individual ownership ✔ Terdapat pada menu Profil > Struktur Grup Perusahaan
Available on the Profile menu > Company’s Group Structure
Isi Kode Etik
Code of Conduct
Informasi Rapat Umum Pemegang Saham (RUPS) paling
✔ Terdapat pada menu Tata Kelola > Kode Etik
Available on the Governance menu > Code of Conduct
Pegadaian bukan perusahaan terbuka, dengan demikian tidak
kurang meliputi bahan mata acara yang dibahas dalam RUPS, terikat untuk mempublikasikan informasi RUPS pada situs web.
ringkasan risalah RUPS, dan informasi tanggal penting yaitu Informasi hasil RUPS dilaporkan Pegadaian kepada OJK dan
tanggal pengumuman RUPS, tanggal pemanggilan RUPS, BEI dan telah ditayangkan dalam keterbukaan informasi pada
tanggal RUPS, tanggal ringkasan risalah RUPS diumumkan situs web www.idx.co.id
Information on General Meeting of Shareholders (GMS) at least X Pegadaian is not a public company, so it is not required to
including agendas of GMS, minutes of GMS, and information published GMS information on the website. GMS information
of important date, among others, GMS announcement date, result was reported directly to FSA and IDX and has been
GMS summon date, GMS date, and the announcement of GMS published on the information transparency on www.idx.co.id
minutes
Laporan keuangan tahunan terpisah (5 tahun terakhir)
Separated Annual Financial Statement (the last 5 years) ✔ Terdapat pada menu Kinerja Perusahaan > Laporan Keuangan
Available on the Company’s Performance menu > Financial
Statements
Profil Dewan Komisaris dan Direksi
Profile of the Board of Commissioners and Board of Directors ✔ Terdapat pada menu Profil Korporasi > Manajemen
Available on Company Profile > Management
✔
Piagam/Charter Dewan Komisaris, Direksi, Komite-komite, dan Terdapat pada menu Tata Kelola
Unit Audit Available on Governance menu
Board of Commissioners, Board of Directors, Committees, and
Internal Audit Charters
✔: tersedia pada situs web Pegadaian/ Available on Pegadaian’s website
x : belum tersedia pada situs web Pegadaian/ Not available on Pegadaian’s website
PT Pegadaian | 2023 Annual Report 157
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04
Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Analisis dan
Pembahasan
Manajemen
Management Discussion &
Analysis
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04 PT Pegadaian | 2023 Annual Report 159
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Analisis dan Pembahasan Manajemen Management & Discussion Analysis Tinjauan Ekonomi dan Industri Economic and Industry Overview Analisis Makro Ekonomi Macroeconomic Analysis Dikutip dari Laporan Perekonomian Bank Indonesia Quoted from the Bank Indonesia Economic Report for tahun 2023, pertumbuhan ekonomi global melambat the year 2023, global economic growth has slowed dengan ketidakpastian yang semakin meningkat. amidst increasing uncertainty. After recording a high Setelah mencatat pertumbuhan tinggi sebesar 3,5% growth of 3.5% in 2022, global economic growth pada 2022, pertumbuhan ekonomi dunia pada 2023 in 2023 is estimated to decline to 3.0% and further diperkirakan turun ke 3,0% dan terus melambat slow to 2.8% in 2024. The performance of the global menjadi 2,8% pada 2024. Kinerja ekonomi global economy in 2023 shows a divergence in growth pada 2023 menampakkan divergensi pertumbuhan between advanced economies, especially the United yang terjadi antara negara maju, terutama Amerika States (US), which experienced relatively high growth, Serikat (AS) yang tumbuh relatif tinggi, dengan and Emerging Market and Developing Economies negara-negara EMDEs yang mengalami penurunan (EMDEs) which experienced declines and stagnation. dan stagnasi. Pertumbuhan ekonomi negara maju Economic growth in advanced economies is diprakirakan akan turun dari 1,6% pada 2023 menjadi forecasted to decline from 1.6% in 2023 to 1.4% in 2024 1,4% pada 2024 sebelum meningkat menjadi 1,7% before increasing to 1.7% in 2025. Meanwhile, growth pada 2025. Sementara pretumbuhan negara EMDEs in EMDEs is expected to decrease from 4.0% in 2023 akan turun dari 4,0% pada 2023 menjadi 3,8% pada to 3.8% in 2024 and remain stagnant at 3.8% in 2025. 2024 dan stagnan 3,8% pada 2025. Di negara maju, In advanced economies, economic growth is driven by pertumbuhan ekonomi didorong oleh Amerika Serikat the United States (US) which grew relatively high at (AS) yang tumbuh relatif tinggi yaitu 2,3% pada 2023, 2.3% in 2023, supported by household consumption ditopang oleh konsumsi rumah tangga dan sektor jasa and domestically-oriented service sectors. yang berorientasi domestik. Sementara itu, ekonomi Tiongkok melemah seiring Meanwhile, the Chinese economy weakened along dengan konsumsi rumah tangga dan penurunan kinerja with household consumption and a decline in the sektor properti. . India menjadi salah satu pusat ekonomi performance of the property sector. India emerged dunia, dengan pertumbuhan 6,7% pada 2023 menjadi as one of the world’s economic centers, with growth 5,8% pada 2024 dan kembali meningkat ke 6,0% pada of 6.7% in 2023 decreasing to 5.8% in 2024 and 2025. Negara ASEAN-5 juga menunjukkan kinerja then increasing again to 6.0% in 2025. The ASEAN-5 yang cukup baik, dengan prakiraan pertumbuhan 4,4% countries also showed fairly good performance, with pada 2023 dan 2024, serta meningkat menjadi 4,6% forecasted growth of 4.4% in 2023 and 2024, and pada 2025. Di samping tetap kuatnya permintaan further increasing to 4.6% in 2025. In addition to the domestik, pertumbuhan India dan ASEAN-5 juga continued strength of domestic demand, the growth didukung oleh kebijakan perdagangan dan investasi of India and the ASEAN-5 is also supported by trade yang tetap terbuka di tengah fragmentasi geopolitik and investment policies that remain open amidst yang berlanjut ongoing geopolitical fragmentation. Penurunan inflasi dunia berjalan lambat di tengah Global inflation decline is slow amidst tightening pengetatan kebijakan moneter bank sentral di banyak monetary policies in many countries. World inflation negara. Inflasi dunia diprakirakan turun menjadi 6,8% is forecasted to decrease to 6.8% by December 2023. pada Desember 2023. Penurunan inflasi tersebut This decline in inflation is in line with the decrease in sejalan dengan penurunan harga energi dan pangan, energy and food prices, easing supply constraints, and terurainya keketatan pasokan, serta dampak dari the impact of tightening monetary policies in many pengetatan kebijakan moneter bank sentral di banyak countries. However, inflation in advanced economies negara. Meski demikian, inflasi di negara-negara maju remains significantly above the target, at 2%, while in masih jauh di atas sasaran yang ingin dicapai, yaitu most EMDEs it has fallen below the target. In the US, 2% sedangkan di kebanyakan negara EMDEs telah di inflation is expected to remain high at around 3.4% by bawah sasaran. Di AS masih akan tinggi yaitu sekitar the end of 2023 and is forecasted to decrease to 2.3% 3,4% pada akhir 2023 dan diprakirakan menurun ke by the end of 2024. Similarly, in the European Union 160 Laporan Tahunan 2023 | PT Pegadaian
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2,3% pada akhir 2024. Demikian pula di Uni Eropa and the UK, inflation is still around 2.9% and 4% by the
dan Inggris, inflasi masih sekitar 2,9% dan 4% pada end of 2023 and is forecasted to decrease to around
akhir 2023 dan diprakirakan menurun ke sekitar 2,3% 2.3% and 2.4% by the end of 2024. Meanwhile, in
dan 2,4% pada akhir 2024. Sementara di negara EMDEs, inflation in some countries remains above the
EMDEs, inflasi sejumlah negara masih di atas sasaran, target, including Brazil and Mexico in Latin America.
di antaranya Brazil dan Meksiko di Amerika Latin. Other EMDEs have managed to bring their inflation
Negara-negara EMDEs lain telah mampu menurunkan back to target, including Indonesia.
inflasinya kembali ke sasaran, termasuk Indonesia.
Masih akan tingginya tekanan inflasi mendorong The continued high inflation pressure is driving
pengetatan moneter negara maju dengan suku bunga advanced economies to tighten monetary policy
tinggi yang masih akan berlangsung lebih lama (higher with higher interest rates expected to last longer
for longer). Di AS, kisaran suku bunga Fed Funds Rate (higher for longer). In the US, the range of the Fed
(FFR) yang saat ini 5,50 - 5,75% diperkirakan akan Funds Rate (FFR) which is currently 5.50 - 5.75% is
dipertahankan pada paruh pertama 2024. Sementara expected to be maintained in the first half of 2024.
itu, suku bunga kebijakan moneter di kawasan EMDEs Meanwhile, monetary policy interest rates in the Asian
Asia akan dipertahankan lebih lama hingga tahun EMDEs region are expected to be maintained longer
2024 untuk memitigasi dampak rambatan tingginya until 2024 to mitigate the impact of the high interest
suku bunga negara maju. Fenomena suku bunga tinggi rates in advanced economies. The phenomenon of
di negara maju tersebut membatasi ruang gerak bank- high interest rates in advanced countries limits the
bank sentral di negara EMDEs untuk menurunkan maneuvering space of central banks in EMDEs to
suku bunga kebijakan moneternya guna mendorong lower their policy interest rates to stimulate economic
pertumbuhan ekonomi, meski inflasi di beberapa growth, even though inflation in some countries has
negara telah mencapai sasaran. reached the target.
Analisa Perekonomian Nasional dan National Economic and Industry
Segmen Industri Segment Analysis
Makro Ekonomi Indonesia Tahun 2023 Indonesia’s Macroeconomic Analysis in
2023
Pertumbuhan ekonomi Indonesia 2023 tetap kuat di In 2023, Indonesia’s economy maintained its strength
tengah perlambatan ekonomi global. Hal ini didorong amidst recession. This was driven by increased domestic
oleh peningkatan permintaan domestik dan kinerja demand and continued positive export performance.
ekspor yang terus positif. Pertumbuhan ekspor didukung Export growth was supported by strong demand from
oleh permintaan kuat dari mitra perdagangan utama. major trading partners, while Indonesia itself enjoyed
Indonesia sendiri menikmati “surplus” pada kenaikan surpluses due to rising commodity prices. Household
harga beberapa komoditas. Konsumsi rumah tangga consumption increased alongside improved mobility
meningkat seiring dengan peningkatan mobilitas dan and purchasing power, coupled with decreased inflation.
daya beli yang meningkat, serta penurunan inflasi. The performance of Indonesia’s Balance of Payments
Kinerja Neraca Pembayaran Indonesia (NPI) mendukung (BOP) supported external stability. The strengthening
tetap terjaganya stabilitas eksternal. Penguatan nilai of the Rupiah exchange rate continued in line with Bank
tukar Rupiah berlanjut sejalan dengan konsistensi Indonesia’s monetary policy consistency and the easing
kebijakan moneter Bank Indonesia dan mulai meredanya of global financial market uncertainties.
ketidakpastian pasar keuangan global.
Berdasarkan Lapangan Usaha (LU), kinerja Based on the Field of Business (FOB), economic
perekonomian terutama didorong oleh Perdagangan performance was mainly driven by Wholesale and
Besar dan Eceran, Industri Pengolahan, serta Konstruksi. Retail Trade, Manufacturing Industry, and Construction.
Bank Indonesia memperkirakan pertumbuhan ekonomi Bank Indonesia projected economic growth in 2023
2023 berada dalam kisaran 4,5-5,3%. Pada 2024, to be in the range of 4.5-5.3%. In 2024, consumption,
kinerja konsumsi, baik swasta maupun Pemerintah, dan both private and government, and investment are
investasi diperkirakan terus meningkat sejalan dengan expected to continue to increase in line with strong
keyakinan konsumsi masyarakat yang tetap kuat, consumer confidence, the positive impact of elections,
dampak positif pelaksanaan Pemilu, serta keberlanjutan and the continuation of National Strategic Projects
pembangunan Proyek Strategis Nasional (PSN). (NSPs) development.
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Analisis dan Pembahasan Manajemen Management & Discussion Analysis Dari segi inflasi, Indonesia pada tahun 2023 terbilang In terms of inflation, Indonesia managed to gradually dapat mengendalikan tingkat inflasi yang turun secara control the inflation rate in 2023. In the second quarter bertahap. Pada kuarter kedua tahun 2023, inflasi turun of 2023, inflation dropped to 4.0% (yoy), compared 4,0% (yoy) dimana pada tahun sebelumnya berapa to the previous year’s peak of 5.6% (yoy) in Q4 2022. pada level tertinggi di 5,6% (yoy) pada Q4 tahun 2022. However, high inflation rates in Indonesia are still Akan tetapi, tingkat inflasi yang tinggi di Indonesia prevalent in the eastern part of the country. Eastern sendiri masih didominasi pada Indonesia bagian timur. Indonesia regions experiencing high inflation include Wilayah Indonesia Timur yang mengalami tingkat East Nusa Tenggara, North Sulawesi, Maluku, West inflasi tinggi yaitu pada Nusa Tenggara Timur, Sulawesi Papua, and West Sulawesi. The inflation increase is Utara, Maluku, Papua Barat, dan Sulawesi Barat. attributed to higher air transportation fares and some Kenaikan inflasi tersebut disebabkan oleh kenaikan food price hikes due to weather/climate disturbances tarif angkutan udara dan beberapa kenaikan harga and sea waves, affecting logistics costs for several pangan karena gangguan cuaca/iklim dan gelombang staple foods and others. Meanwhile, inflation rates in laut sehingga hal ini mampu mempengaruhi tingkat Java region have stabilized. biaya logistik untuk beberapa bahan pokok dan lainnya. Sedangkan tingkat inflasi pada wilayah Jawa sudah menuju pada tingkat inflasi yang jauh lebih stabil. Di tengah beberapa bank sentral negara lain menaikkan Amidst some central banks in other countries raising suku bunga acuan, mengikuti tren kebijakan moneter reverse repo rate, following the trend of The Fed’s The Fed menaikkan 25 basis poin pada 26-27 Juli monetary policy rate hike by 25 basis points on 2023 (menjadi suku bunga acuan tertinggi sepanjang July 26-27, 2023 (becoming the highest benchmark 22 tahun di Amerika Serikat). Tidak membuat Bank interest rate in 22 years in the United States), Bank Indonesia secara reaktif mengambil kebijakan yang Indonesia did not reactively take the same policy. sama. Bank Indonesia sendiri baru menaikkan suku Bank Indonesia only raised the 7-day reverse repo bunga 7-day reverse repo rate pada Rapat Dewan rate during the Bank Indonesia Board of Governors Gubernur (RDG) Bank Indonesia pada 18-19 Oktober Meeting on October 18-19, 2023, deciding to increase 2023 dan memutuskan untuk menaikkan BI 7-day the BI 7-day reverse repo rate (BI7DRR) by 25 bps to reverse repo rate (BI7DRR) sebesar 25 bps menjadi 6.00%, the Deposit Facility rate by 25 bps to 5.25%, 6,00%, suku bunga Deposit Facility sebesar 25 bps and the Lending Facility rate by 25 bps to 6.75%. menjadi 5,25%, dan suku bunga Lending Facility This policy was taken as a preemptive and forward- sebesar 25 bps menjadi 6,75%. Kebijakan ini diambil looking step due to the Rupiah’s depreciation nearing sebagai langkah preemptive dan forward looking atas the psychological threshold of 16,000 Rupiah per nilai tukar Rupiah yang mengalami depresiasi hingga US dollar. Although macroeconomically, Indonesia’s akan mencapai angka psikologis 16.000 rupiah per inflation remained controlled. The Rupiah exchange satu dolar Amerika. Meskipun secara makro ekonomi, rate against the US dollar on December 29, 2023, inflasi Indonesia pada level yang tetap terkendali. opened at (bid) Rp 15,440 per US dollar, a much Nilai tukar Rupiah terhadap dolar Amerika pada 29 more stable condition compared to the third quarter Desember 2023 dibuka pada level (bid) Rp 15.440 of 2023, particularly in October 2023. The Company per dolar Amerika, kondisi tersebut jauh lebih stabil continues to monitor macroeconomic analysis of dibandingkan pada quarter 3 tahun 2023 tepatnya Indonesia regularly, especially concerning the volatility pada bulan Oktober 2023. Perseroan tetap melakukan of the Rupiah exchange rate against the US dollar, fungsi pengawasan terkait dengan analisis makro which directly impacts the conversion of Indonesia’s ekonomi Indonesia secara berkala terutama terkait gold prices. dengan volatilitas nilai tukar Rupiah terhadap dolar Amerika yang berdampak langsung pada konversi harga emas Indonesia. 162 Laporan Tahunan 2023 | PT Pegadaian
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Analisis Posisi Pegadaian di Industri Jasa Pawn Business and Multi-finance Industry
Gadai dan Multifinance Position Analysis for Pegadaian
Posisi Pegadaian di industri jasa gadai dan multifinance Pegadaian’s position in the pawn and multi-finance
dapat dilihat dari jumlah aset yang dimiliki. PT services industry can be seen from the number of
Pegadaian menunjukkan kinerja keuangan yang assets it owns. PT Pegadaian demonstrated solid
solid yang mengukuhkan posisinya sebagai pemain financial performance which confirmed its position
utama. Meskipun memiliki rasio kas yang rendah as a major player. Despite having a low cash ratio of
pada 0,58%, PT Pegadaian memiliki kemampuan 0.58%, PT Pegadaian has excellent ability to fulfill its
yang sangat baik untuk memenuhi kewajiban jangka short-term obligations, as reflected by its high current
pendeknya, sebagaimana tercermin dari rasio lancar ratio of 149.90%. With ROA of 5.60% and ROE of
yang tinggi sebesar 149,90%. Dengan ROA sebesar 14.33%, PT Pegadaian is efficient in generating profits
5,60% dan ROE sebesar 14,33%, PT Pegadaian from its assets and using its equity capital to provide
efisien dalam menghasilkan laba dari asetnya dan good profits for shareholders. In terms of operational
menggunakan modal ekuitasnya untuk memberikan efficiency, PT Pegadaian also excellent with a BOPO of
keuntungan yang baik bagi pemegang saham. Dalam 66.10%, indicating lower operational costs compared
hal efisiensi operasional, PT Pegadaian juga unggul to multi-finance companies. Apart from that, PT
dengan BOPO sebesar 66,10%, menunjukkan biaya Pegadaian also shows good asset quality with low
operasional yang lebih rendah dibandingkan dengan NPL of 0.85%, confirming great trust of creditors.
perusahaan multifinance. Selain itu, PT Pegadaian Thus, PT Pegadaian remains in strong position in the
juga menunjukan kualitas aset yang baik dengan NPL pawn and multi-finance services industry, maintaining
yang rendah sebesar 0,85%, menegaskan kepercayaan its reputation as reliable and trusted financial service
yang besar dari para peminjam. Dengan demikian, PT provider for the Indonesian people, as shown in the
Pegadaian tetap berada di posisi yang kuat dalam following table:
industri jasa gadai dan multifinance, menjaga reputasi
sebagai penyedia layanan keuangan yang andal dan
terpercaya bagi masyarakat Indonesia, sebagaimana
tabel berikut ini:
Posisi Pegadaian di industri jasa gadai dan multifinance The position of Pegadaian in the pawn and multifinance
dapat dilihat dari tabel berikut: industry can be seen from this table:
Rasio Multifinance
Pegadaian
Ratio Multi-finance
ROA 5,60% 5,58%
ROE 14,33% 14,98%
BOPO 66,10% 76,89%
NPL 0,85% 2,44%
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Tinjauan Operasional
Operational Overview
Strategi Pegadaian Tahun 2023 Pegadaian’s Strategy in 2023
Guna menjamin inisiatif strategis yang selaras To ensure strategic initiatives align with shareholder
dengan pencapaian shareholder’s aspiration dan aspirations and RJP achievements, a business strategy
RJP, digunakan skema business strategy map yang map scheme is used to depict strategic focuses and
menggambarkan fokus strategi dan fokus lead lead performance indicators aligned with the G-STAR+
indicator kinerja perusahaan yang selaras dengan strategy in the RJPP 2020-2024. Against the backdrop
strategi G-STAR+ dalam RJPP 2020-2024. Dengan of global and national economic uncertainties, the
dilatarbelakangi ketidakpastian ekonomi global dan spirit of economic recovery in the pandemic era,
nasional, semangat pemulihan ekonomi di era pandemi, and the synergy of the ultra-micro ecosystem, the
serta sinergi ekosistem ultra mikro, maka pada tahun Company has chosen the theme “Growing Stronger,
2023 perusahaan memilih tema “Growing Stronger, Achieve Higher” for 2023, with a focus on the Annual
Achieve Higher”, dengan fokus Annual Thematic 2023 Thematic 2023, emphasizing:
yang menitikberatkan pada:
1. Rapid Growth sebagai strategi bisnis yang meliputi: 1. Rapid Growth as a business strategy, including:
a. Retention (Rollover): Fokus strategi untuk scale a. Retention (Rollover): Strategy focus to scale up
up pelanggan menjadi Customer Loyalty dan customers into Customer Loyalty and prevent
mencegah mereka beralih ke kompetitor. them from switching to competitors.
b. Acquisition (New Customer): Fokus strategi b. Acquisition (New Customer): Strategy focus to
untuk mengakuisisi pelanggan melalui market acquire customers through market penetration,
penetration, market development, product market development, product development, or
development atau diversification. diversification.
c. Booster (Scale-up B2B): Fokus strategi untuk c. Booster (Scale-up B2B): Strategy focus for
percepatan bisnis melalui program Cross business acceleration through Cross Selling
Selling. Sinergi dengan mitra strategis dan programs. Synergy with strategic partners and
Customer Experience. Customer Experience.
2. Enabler Business sebagai strategi supporting dari 2. Enabler Business as supporting strategies,
bisnis yang meliputi: including:
a. Productivity Accelerator: Fokus strategi a. Productivity Accelerator: Strategy focus on
peningkatan produktivitas SDM dan Teknologi improving human resources productivity and
Informasi sebagai accelerator pertumbuhan Information Technology as business growth
bisnis melalui process improvement. accelerators through process improvement.
b. Risk Mitigation: Fokus strategi untuk b. Risk Mitigation: Strategy focus on improving the
meningkatkan kualitas aset produktif serta quality of productive assets and as an accelerator
sebagai accelerator peningkatan peluang bisnis for increasing business opportunities through
melalui proses identifikasi risiko. risk identification processes.
c. Sustainable Resilience: Fokus strategi prioritas c. Sustainable Resilience: Priority strategy focus
keberlanjutan bisnis dengan meningkatkan on business sustainability by enhancing
ketahanan bisnis, lingkungan, sosial dan tata business resilience, environmental, social, and
kelola. governance (ESG).
Fokus Annual Thematic tersebut diharapkan dapat The focus on the Annual Thematic is expected to lead
membawa Perusahaan dalam mencapai target yang the Company in achieving the set targets for 2023
telah ditetapkan pada tahun 2023 dengan 5 sasaran with 5 objective targets: increasing active customers,
objective yaitu peningkatan nasabah aktif, peningkatan increasing Active OSL, reducing NPL, improving BOPO
OSL Aktif, penurunan NPL, Efisiensi BOPO, serta efficiency, and increasing profits. Furthermore, the
peningkatan laba. Kemudian, 2 Fokus Annual Thematic alignment process for the 2 Annual Thematic focuses
telah dilakukan proses alignment melalui house of has been conducted through the house of strategy, as
strategy, sebagaimana dideskripsikan pada grafis di described in the graphic below:
bawah ini:
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Our Roadmap RJPP 2022-2023)
Elevate
Growing Stronger:
Peningkatan skala bisnis melalui Integrated Financial & Gold Ecosystem
Our Annual Thematic RKAP 2023
Increasing business scale through the Integrated Financial & Gold Ecosystem
Nasabah OSL NPL BOPO Laba Our Objective’s RKAP 2023
Rapid Growth (Business Strategy)
Our Business
Our Focus Strategy RKAP 2023
Strategic Initiative’s RKAP 2023
Fokus strategi untuk scale up pelanggan Fokus strategi untuk mengakuisisi Fokus strategi untuk mengakuisisi
menjadi Customer Loyalty dan mencegah pelanggan melalui market penetration, pelanggan melalui market penetration, 1. Penguatan Bisnis Inti (Retention)
mereka beralih ke competitor market development, product development market development, product development 2. Perluasan Bisnis Syariah (Acquisition)
Focus strategy to scale up customers to atau diversification atau diversification 3. Monoline Business Model (Acquisition)
become Customer Loyalty and prevent Focus strategy on acquiring customers Focus strategy on acquiring customers 4. New Revenue Stream (Acquisition)
them from switching to competitors through market penetration, market through market penetration, market 5. Market Penetration (Booster)
development, product development or development, product development or 6. Penguatan Channel & Layanan (Acquisition)
Retention (Rollover) diversification diversification 1. Strengthening Core Business (Retention)
2. Sharia Business Expansion (Acquisition)
Acquisition (New Customer) Acquisition (New Customer) 3. Monoline Business Model (Acquisition)
4. New Revenue Stream (Acquisition)
5. Market Penetration (Booster)
6. Strengthening Channels & Services (Acquisition)
Rapid Growth (Business Strategy)
Our Supporting
Productivity Accelerator Risk Mitigation Sustainable Resilience
Strategic Initiative’s RKAP 2023
Fokus strategi peningkatan Fokus strategi untuk menigkatkan Fokus strategi prioritisasi
produktivitas SDM dan Teknologi kualitas asset produktif serta sebagai keberlanjutan bisnis dengan 1. Use-case Analytic (Productivity Accelerator)
Informasi sebagai accelerator accelerator peningkatan peluang meningkatkan ketahanan bisnis, 2. Sustainable Finance (Sustainable Resilience)
pertumbuhan bisnis melalui process bisnis melalui prosesi identifikasi lingkungan, sosial, dan tata Kelola 3. Peningkatan Kualitas Kredit (Risk Mitigation)
improvement risiko Focus on prioritizing business 4. Penguatan Brigade Madani (Productivity Accelerator)
Focus on strategy to increase Focus strategy to improve the sustainability strategy by increasing 5. Scale Up Human Capital (Productivity Accelerator)
HR productivity and Information quality of productive assets and business, environmental, social and 6. Enhance Integrated IT (Productivity Accelerator)
Technology as accelerator for act as accelerator for increasing governance resilience 7. Integrated Govermance, Risk & Compliance (Sustainable Resilience)
business growth through process business opportunities through risk 8. Work Process Automation (Productivity Accelerator)
improvement identification process 1. Use-case Analytic (Productivity Accelerator)
2. Sustainable Finance (Sustainable Resilience)
3. Improving Credit Quality (Risk Mitigation)
4. Strengthening the Civil Brigade (Productivity Accelerator)
5. Scale Up Human Capital (Productivity Accelerator)
6. Enhance Integrated IT (Productivity Accelerator)
7. Integrated Governance, Risk & Compliance (Sustainable Resilience)
8. Work Process Automation (Productivity Accelerator)
Grafis di atas merupakan rangkaian end-to-end The above graphic represents an end-to-end corporate
strategi korporasi yang memuat: strategy framework that includes:
a. Aspek-aspek yang melatarbelakangi a. Aspects underlying the formulation of
penyusunan strategi, seperti aspek ekonomi, the strategy, such as economic, business,
bisnis, operasional, teknologi, dan sumber daya operational, technological, and human
manusia. resources aspects.
b. Prioritas Kementerian BUMN yakni Nilai b. Priority areas of the Ministry of State-Owned
Ekonomi & Sosial Untuk Indonesia, Inovasi Enterprises, namely Economic & Social Value
Model Bisnis, Kepemimpinan Teknologi, for Indonesia, Business Model Innovation,
Peningkatan Investasi, Pengembangan Talenta, Technological Leadership, Investment
dan ditambah dengan unsur yang juga menjadi Enhancement, Talent Development, and
perhatian manajemen dan pemegang saham supplemented by elements that are also of
yakni Good Corporate Governance (GCG). concern to management and shareholders,
namely Good Corporate Governance (GCG).
c. 14 Inisiatif Strategis yang menjadi upaya atau c. 14 Strategic Initiatives that represent the
cara perusahaan untuk mewujudkan target Company’s efforts or ways to achieve the
kinerja tahun 2023, yang mengacu pada performance targets for 2023, which refer to
keenam prioritas BUMN dan juga fokus annual the six priorities of State-Owned Enterprises
thematic tahun 2023. Ke-14 Inisiatif Strategis and also the annual thematic focus for 2023.
tersebut antara lain: These 14 Strategic Initiatives include:
• Penguatan Bisnis Inti meliputi penguatan • Strengthening Core Business involves
produk/fitur dan proses bisnis, berorientasi strengthening products/features and
pada peningkatan kinerja bisnis business processes, focusing on improving
Konvensional. the performance of conventional businesses.
• Perluasan Bisnis Syariah meliputi • Sharia Business Expansion involves
pengembangan produk/fitur dan proses developing Sharia products/features and
bisnis, berorientasi pada peningkatan business processes, focusing on improving
kinerja bisnis Syariah. the performance of Sharia businesses.
• Monoline Business Model meliputi • Monoline Business Model involves
peningkatan portofolio dan skala bisnis increasing the portfolio and scale of Micro
Mikro melalui alignment produk dengan businesses through product alignment
Group Holding with the Group Holding.
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
• New Revenue Stream meliputi perluasan/ • New Revenue Stream involves expanding/
eksplorasi bisnis baru untuk mendapatkan exploring new businesses to tap into new
new potential market melalui pengembangan potential markets through the development
produk baru dan inorganic growth. of new products and inorganic growth.
• Penetrasi Pasar Korporasi melalui • Corporate Market Penetration involves
peningkatan penetrasi pasar korporasi increasing corporate market (B2B)
(B2B) dengan program kelembagaan dan penetration with institutional programs
penyelarasan proses bisnis. and business process alignment.
• Penguatan Channel & Layanan meliputi • Channel & Service Strengthening involves
penguatan jaringan fisik & digital dengan strengthening physical & digital networks
business model improvement untuk with business model improvements to
meningkatkan service excellence kepada enhance service excellence to customers.
customer.
• Use-case Analytic melalui pengembangan • Use-case Analytics involves developing
use-case Big Data Analytic untuk mendukung Big Data Analytics use cases to support
kebutuhan bisnis dan Mitigasi Risiko business needs and Risk Mitigation.
• Sustainable Finance meliputi fokus • Sustainable Finance involves a focus on
pertumbuhan berkelanjutan melalui sustainable growth through economic,
penyelarasan ekonomi, sosial, dan social, and environmental alignment.
lingkungan hidup
• Peningkatan Kualitas Kredit meliputi fokus • Credit Quality Improvement involves a
menjaga dan menyehatkan kualitas kredit focus on maintaining and improving credit
secara end to end (front end, middle end, quality end to end (front end, middle end,
back end) back end).
• Penguatan Brigade Madani melalui • Madani Brigade Strengthening involves
peningkatan produktivitas 3 (tiga) entitas increasing the productivity of 3 (three)
dengan mendorong internalisasi culture entities by promoting internalization of the
activation programme culture activation program.
• Scale Up Human Capital meliputi • Scale Up Human Capital involves increasing
peningkatan kapabilitas dan kompetensi capabilities and competencies to enhance
untuk meningkatkan talent & produktivitas talent & human resource productivity.
Sumber Daya Manusia
• Enhance Integrated IT meliputi penyelarasan • Enhance Integrated IT involves aligning and
dan penguatan fungsi TI dengan strengthening IT functions with business
transformasi bisnis dan Group Holding transformation and Group Holding.
• Integrated GRC melalui program • Integrated GRC involves programs to
peningkatan tata kelola manajemen risiko, enhance risk management and compliance
kepatuhan untuk value added perusahaan. for company value added.
• Work Process Automation meliputi fokus • Work Process Automation involves
efisiensi proses kerja dan mereduksi error focusing on work process efficiency
untuk percepatan bisnis & operasional. and error reduction for business and
operational acceleration.
d. Goals atau tujuan yang ingin dicapai, serta d. Goals or objectives to be achieved, which are
menjadi fokus sasaran seluruh elemen the focus of all elements of the Company in the
perusahaan dalam tahun berjalan, yakni current year, namely active customers, active
nasabah aktif, OSL aktif, NPL, BOPO dan Laba. OSL, NPL, BOPO, and Profit.
Dari paparan inisiatif strategis Rencana Bisnis tahun From the presentation of the strategic initiatives of
2023 diterjemahkan ke dalam ruang lingkup rencana the 2023 Business Plan, they are translated into the
program kerja utama yang terdiri dari 45 program scope of the main work programs consisting of 45
kerja yang menunjang terlaksananya Focus Strategy work programs that support the implementation of
yang diharapkan. the Focus Strategy expected.
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Tinjauan Operasi
per Segmen Usaha
Operational Overview by Business Segment
Perseroan mengelompokkan segmen operasinya The Company categorizes its operational segments
sesuai dengan Laporan Keuangan Pegadaian, yakni: according to the Pegadaian Financial Statements,
namely:
1. Segmen usaha yang berdasarkan kemampuan 1. Business segments which, based on the financial
informasi keuangan yang dimiliki dapat dijabarkan information available, can be classified as
sebagai usaha konvensional dan usaha syariah; conventional business and Sharia business.
2. Segmen geografis yang berdasarkan kemampuan 2. Geographic segments which, based on the
informasi keuangan yang dimiliki dapat dijabarkan financial information available, can be categorized
sesuai lokasi geografis. according to geographical location.
Pembahasan kinerja per segmen usaha pada laporan The discussion of performance by business segment
ini disusun sesuai dengan catatan “informasi segmen” in this report is arranged according to the “segment
yang tersaji pada Laporan Keuangan Audited information” provided in the Company’s Audited
Perseroan. Financial Statements.
Segmen Usaha Konvensional Conventional Business Segment
Segmen usaha konvensional merupakan segmen The conventional business segment is the Company’s
utama Perseroan yang telah ada sejak pertama kali main segment that has been in existence since its
didirikan. Segmen usaha ini terdiri dari bisnis gadai, inception. This business segment consists of pawn,
kredit mikro fidusia, dan bisnis emas. Segmen ini micro credit fiduciary, and gold business. This
dibentuk dengan tujuan untuk memberikan pinjaman segment was formed with the aim of providing loans
kepada nasabah dengan berlandaskan pada hukum to customers based on conventional law and fiduciary
dan dan fidusia biasa (konvensional). Segmen usaha ini principles. The conventional business segment has
memiliki sambutan yang sangat baik dari masyarakat received very positive responses from the community,
sebagaimana tercermin dari kinerja segmen yang as reflected in the segment’s consistently growing
mengalami pertumbuhan secara konsisten. performance.
Bisnis Gadai Pawn Business
Perseroan memberikan pinjaman kepada masyarakat The Company provides loans to the public with
dengan agunan berupa perhiasan emas, emas collateral such as gold jewelry, gold bars, motor
batangan, kendaraan bermotor, barang elektronik, vehicles, electronic goods, household appliances, or
peralatan rumah tangga, atau jenis agunan tertentu other specific types of collateral. Pegadaian conducts
lainnya. Pegadaian menjalankan bisnis gadai dengan its pawn business in compliance with the provisions
tunduk dan taat terhadap ketentuan yang diatur set forth in the Financial Services Authority Regulation
dalam Peraturan Otoritas Jasa Keuangan (POJK) No. (POJK) No. 31/POJK.05/2016 dated July 29, 2016
31/POJK.05/2016 tanggal 29 Juli 2016 tentang Usaha concerning Pawn Business. The types of conventional
Pegadaian. Adapun jenis produk gadai konvensional pawn products owned by the company include:
yang dimiliki Perseroan, antara lain:
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Nama Produk Penjelasan
No
Product Name Explanation
1 Pegadaian KCA (Kredit Merupakan pemberian pinjaman berdasarkan hukum gadai dengan prosedur pelayanan
Cepat Aman) yang mudah cepat dan aman. Barang jaminan yang menjadi agunan meliputi perhiasan
emas/permata, logam mulia, kendaraan bermotor, barang elektronik, kain, dan alat rumah
tangga lainnya. Fitur Produk KCA pada Bisnis Gadai meliputi KCA Reguler KCA Fleksi KCA
Bisnis dan KCA Prima.
Pegadaian KCA (Kredit Cepat Aman) is a loan service based on pawn law with easy, fast,
and secure service procedures. The collateral accepted for this loan includes gold jewelry/
gems, precious metals, motor vehicles, electronic goods, fabrics, and other household
items. The KCA product features in the Pawn Business include KCA Reguler, KCA Fleksi,
KCA Bisnis, and KCA Prima.
Pegadaian KCA Reguler Kredit dengan pemberian uang pinjaman mulai dari Rp50.000 dengan pengenaan sewa
modal maksimum 1,2% (dari uang pinjaman) per 15 hari dengan jangka waktu kredit
maksimum 120 hari tetapi dapat diperpanjang dengan cara cicil, ulang gadai, ataupun
minta tambah serta dapat dilunasi sewaktu-waktu dengan perhitungan sewa modal
proporsional selama masa pinjaman.
The loan offers borrowing starting from Rp 50.000 with a maximum capital lease of 1.2%
(of the loan amount) every 15 days, with a maximum credit period of 120 days, extendable
through installment, renewing the pawn, or requesting additional funds. It can also be
settled at any time with proportional capital lease calculations throughout the loan period.
Pegadaian KCA Bisnis Kredit dengan pemberian uang pinjaman mulai dari Rp100.000.000 dengan tarif sewa
modal mulai dari 0,65% sampai dengan 0,95% sesuai dengan besarnya pinjaman. Nasabah
juga dikenakan biaya administrasi sebesar Rp100.000 dengan barang jaminan emas
perhiasan dan emas batangan/lantakan.
The loan offers borrowing starting from Rp 100.000.000 with a capital lease rate ranging
from 0.65% to 0.95% depending on the loan amount. Customers are also charged an
administration fee of Rp 100.000 with gold jewelry and gold bars/ingots as collateral.
Pegadaian KCA Fleksi Kredit yang diberikan dengan jangka waktu fleksibel dengan biaya administrasi Rp2.000
s.d. Rp125.000.. Tarif sewa modal dihitung harian dengan sewa modal mulai dari 0.07% s.d
0,15 %/hari.
The credit is provided with a flexible tenure and an administrative fee ranging from Rp
2.000 to Rp125.000. The lease rate is calculated daily with rates ranging from 0.07% to
0.15% per day.
1 - Gadai Elektronik Kredit yang diberikan khusus untuk Barang Jaminan Elektronik seperti handphone, tablet,
laptop, TV, kamera, menggunakan fitur KCA Fleksi dengan jangka waktu 30 hari dan sewa
modal harian sebesar 0,15%/hari.
The credit is specifically provided for Electronic Collateral such as mobile phones, tablets,
laptops, TVs, cameras, using the KCA Flexi feature with a tenure of 30 days and a daily
lease rate of 0.15%.
2. - Gadai Luxury Kredit yang diberikan khusus untuk Barang Jaminan Tas dan Jam Tangan menggunakan
fitur KCA Fleksi dengan jangka waktu 30 hari dan sewa modal harian sebesar 0,15%/hari
The credit is specifically provided for Collateral Goods such as bags and wristwatches,
using the KCA Flexi feature with a tenure of 30 days and a daily lease rate of 0.15%.
3. Pegadaian KCA Prima Kredit dengan pemberian uang pinjaman mulai dari Rp50.000 sampai dengan Rp500.000
dengan sewa modal 0%. Nasabah dikenakan biaya administrasi mulai dari Rp2.000 sampai
dengan Rp5.000 dan tenor maksimal selama 60 hari.
The credit is provided with a loan amount ranging from Rp50,000 to Rp 500.000 with a
0% interest rate. Customers are charged an administrative fee ranging from Rp 2.000 to
Rp 5.000, and the maximum tenure is 60 days.
2 Pegadaian KRASIDA Pegadaian Krasida atau Kredit Angsuran Sistem Gadai merupakan pemberian pinjaman
berdasarkan hukum gadai dengan sistem pembayaran secara angsuran tiap bulan.
Jangka waktu yang diberikan mulai 6 bulan hingga 36 bulan di mana kredit dapat dilunasi
sewaktu-waktu dengan pemberian diskon pelunasan Tarif sewa modal ditetapkan sesuai
dengan jangka waktu kredit dengan sewa modal maksimal 1,4% per bulan flat.
Pegadaian Krasida, or Kredit Angsuran Sistem Gadai, is a loan based on the pawn law with
a repayment system in monthly installments. The given tenure ranges from 6 months to
36 months, during which the credit can be settled at any time with a discount for early
repayment. The interest rate is determined according to the credit tenure, with a maximum
flat interest rate of 1.4% per month.
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Nama Produk Penjelasan
No
Product Name Explanation
3 Gadai Efek Pegadaian Gadai Efek merupakan pemberian pinjaman berdasarkan hukum gadai dengan
Surat Berharga berupa Saham dan/atau Obligasi sebagai jaminan yang penguasaannya
diserahkan oleh Nasabah dan/atau kuasanya kepada Pegadaian. Jangka waktu yang
diberikan selama 90 (Sembilan puluh) hari dan dapat diperpanjang. Tarif sewa modal
ditetapkan sesuai dengan jangka waktu kredit dengan nilai 15% per tahun.
Pegadaian Gadai Efek is a loan based on the pawn law with securities such as stocks
and/or bonds as collateral, which are handed over by the Customer and/or their proxy to
Pegadaian. The tenure provided is for 90 (ninety) days and can be extended. The interest
rate is determined according to the credit tenure at a rate of 15% per annum.
4 Titipan Emas Fisik Layanan Perusahaan kepada Masyarakat yang ingin menitipkan barang berupa perhiasan
emas dan/atau logam mulia secara aman di Perusahaan dengan fasilitas tambahan berupa
plafon kredit yang dapat dipergunakan Nasabah.
The Company provides services to the community who want to pawn items such as gold
jewelry and/or precious metals securely with the additional facility of a credit limit that can
be used by customers.
5 Gadai Titipan Emas Fisik Merupakan pinjaman yang diberikan atas emas yang dititipkan pada layanan Titipan Emas
Fisik dengan tenor pinjaman 6 & 12 bulan, administrasi 0,042% dan Sewa Modal 0,05%/hari
atau 1,5%/bulan.
It is a loan given against gold deposited in the Physical Gold Deposit service with loan
tenors of 6 & 12 months, administration fee of 0.042%, and Rent Capital Fee of 0.05% per
day or 1.5% per month.
6 Pegadaian G-Lab Layanan kepada masyarakat yang ingin mengetahui karatase dan kualitas harta perhiasan
Jasa Taksiran emas berlian dan batu permata baik untuk keperluan investasi ataupun keperluan bisnis
Jasa Sertifikasi dengan biaya yang relatif terjangkau. Layanan jasa taksiran ini memudahkan masyarakat
mengetahui tentang karatase dan kualitas suatu barang berharga miliknya sehingga tidak
mengalami kebimbangan atas nilai pasti perhiasan yang dimilikinya.
The service is for individuals who want to determine the carat and quality of their gold,
diamond, and gemstone jewelry for investment or business purposes at a relatively
affordable cost. This appraisal service facilitates individuals in understanding the carat and
quality of their valuable items, alleviating any doubts about the exact value of their jewelry.
Tantangan dan Strategi Bisnis Gadai Challenges and Business Strategies
Tahun 2023 for Pawn Services in 2023
Beberapa tantangan yang dihadapi bisnis Gadai di Some challenges faced by the pawn business in 2023
Tahun 2023 adalah sebagai berikut : are as follows:
1. Terjadinya fluktuasi kurs dollar dan harga emas 1. Fluctuations in the dollar exchange rate and global
dunia yang cenderung naik sehingga berdampak gold prices tend to rise, affecting the purchasing
pada daya beli masyarakat sehingga hal ini power of the community and thus impacting the
berpengaruh terhadap kinerja produk gadai. performance of pawn products.
2. Pilihan Investasi yang semakin beragam menjadi 2. The increasingly diverse investment choices are
salah satu alasan menurunnya minat masyarakat one of the reasons for the declining interest of the
terhadap emas sebagai alat investasi yang public in gold as an investment tool, which affects
berpengaruh terhadap penurunan potensi bisnis the potential pawn business.
gadai
3. Pertumbuhan pergadaian swasta di Indonesia 3. The rapid growth of private pawnshops in
semakin pesat yakni mencapai 129 Lembaga Indonesia, reaching 129 licensed Conventional
Pergadaian Swasta Konvensional berizin (Data Private Pawn Institutions (OJK Data, May 2023).
OJK, Mei 2023)
4. Munculnya perusahaan-perusahaan Financial 4. The emergence of digital-based Financial
Technology berbasis digital yang dapat menjadi Technology companies that can serve as
substitusi atas pemenuhan kebutuhan dana cepat substitutes for meeting the fast fund needs of the
masyarakat. public.
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Analisis dan Pembahasan Manajemen Management & Discussion Analysis Untuk itu dalam menghadapi tantangan tersebut To address these challenges, Pegadaian implements Pegadaian menerapkan strategi sebagai berikut: the following strategies: 1. Pegadaian melakukan monitoring secara 1. Pegadaian conducts comprehensive monitoring komprehensif atas pergerakan harga emas of gold price movements, including analyzing diantaranya dengan melakukan analisis kebijakan macroeconomic policies and providing gold price makro ekonomi serta menyediakan tools analisa analysis tools such as Bloomberg. The results of harga emas seperti Bloomberg. Hasil Analisa ini this analysis are used as the basis for policy making dijadikan dasar dalam pengambilan kebijakan in the Standard Gold Metal Appraisal. Standar Taksiran Logam Emas. 2. Pegadaian melakukan pembaharuan Fitur Gadai 2. Pegadaian updates the Electronic Pawn Feature, Elektronik di antaranya yakni memberikan taksiran including providing higher appraisals of up to lebih tinggi hingga 94% dan menerima Barang 94% and accepting Electronic Collateral such Jaminan Handphone tanpa kelengkapan atau as cell phones without completeness or bullion. batangan. Pembaharuan fitur Gadai Elektronik ini Updating the Electronic Pawn feature is done to dilakukan untuk menghadapi pesaing dan untuk compete and to increase the acceptance of non- meningkatkan penerimaan barang jaminan non gold collateral, especially electronics. emas khususnya elektronik. 3. Pegadaian melakukan perluasan jangka waktu Gadai 3. Pegadaian extends the Flexi Pawn term up to 180 Fleksi sampai dengan 180 hari untuk memenuhi days to meet the demand of customers who need permintaan nasabah yang membutuhkan jangka longer loan repayment periods than the existing waktu penyelesaian kreditnya yang lebih lama dari term. jangka waktu eksisting . 4. Pegadaian melakukan kerja sama dengan Pihak 4. Pegadaian collaborates with Third Parties to Ketiga dalam menyediakan Harga Pasar Barang provide Market Prices for Non-Gold Collateral and Jaminan Non Emas dan Aplikasi penaksiran Special Estimation Applications, especially for khususnya Elektronik sebagai bentuk upaya Electronics, as Pegadaian’s efforts to provide more Pegadaian dalam memberikan pinjaman yang optimal loans to Customers. lebih optimal kepada Nasabah. 5. Pegadaian meluncurkan Fitur Gadai Luxury bagi 5. Pegadaian launches the Luxury Pawn Feature for Nasabah yang memiliki Tas dan Jam Tangan Customers who have Luxury Bags and Watches Mewah sebagai Barang Jaminan. Gadai Luxury as collateral. Luxury Pawn as a business strategy sebagai salah satu strategi bisnis bagi Pegadaian for Pegadaian to diversify Collateral and expand untuk melakukan diversifikasi Barang Jaminan dan Customer segmentation. memperluas segmentasi Nasabah 6. Pegadaian kembali merilis Program Gadai Peduli 6. Pegadaian re-releases the Pawn Care Program as a sebagai bentuk pelaksanaan Social loan yang form of implementation of Social loans, which is the merupakan penerapan keuangan berkelanjutan application of sustainable finance by distributing dengan menyalurkan Produk Pegadaian KCA Pegadaian KCA Regular and Flexi KCA Products, Reguler dan KCA Fleksi yakni bebas sewa modal namely interest-free loans for up to 60 days for hingga 60 hari untuk uang pinjaman sampai loans up to Rp2,500,000. This program aims to dengan Rp2.500.000. Program ini bertujuan untuk provide pawn experiences to new Customers, memberikan pengalaman gadai kepada Nasabah especially Housewives, Students, and MSMEs. baru khususnya Ibu Rumah Tangga, Mahasiswa, This program also shows Pegadaian’s concern hingga UMKM. Program ini juga sebagai bentuk for sustainable goals such as Quality Education, kepedulian Pegadaian untuk tujuan berkelanjutan Decent Work & Economic Growth, and Reduced berupa Pendidikan berkualitas, Pekerjaan Layak Inequalities. & Pertumbuhan Ekonomi dan Berkurangnya Kesenjangan. 7. Pegadaian merilis Layanan Gadai Dari Rumah 7. Pegadaian launches Home Pawn Services yang diperuntukkan bagi Nasabah yang tidak bisa for Customers who cannot come directly to datang langsung ke Outlet Pegadaian. Layanan Pegadaian Outlets. This service is carried out by ini dilakukan oleh Penaksir Pegadaian dengan Pegadaian Appraisers with direct disbursement at pencairan langsung di tempat Nasabah. the Customer’s location. 170 Laporan Tahunan 2023 | PT Pegadaian
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8. Pegadaian melalui Produk Pegadaian Gadai Efek 8. Pegadaian, through the Pawn Securities Product,
melakukan kerjasama dengan mitra beberapa di collaborates with several partners including
antaranya dengan Pihak Regulator (IDX) untuk Regulators (IDX) to build product awareness
membangun awareness produk diseluruh kantor across Pegadaian’s regional offices, Synergy with
wilayah Pegadaian, Sinergi Holding BRI Group BRI Group Holding targeting BRI Group Employees
menyasar Karyawan BRI Group (ESOP/MSOP/ (ESOP/MSOP/ESA), BRI Danareksa Sekuritas
ESA), Nasabah BRI Danareksa Sekuritas, dan Customers, and Mapping of securities-based
Mapping industri pembiayaan produk berbasis financing products to improve the performance of
Efek guna meningkat kinerja Gadai Efek dan Pawn Securities and provide alternative products
bentuk alternatif Produk dengan barang jaminan with non-gold collateral.
non emas.
Kinerja Bisnis Gadai Tahun 2023 Pawn Business Performance in 2023
2023 Pencapaian
Uraian Produk Target Pertumbuhan
2022
Description Product Realisasi Target Growth
RKAP
Realization Achievement
Rekening Aktif Gadai KCA 10.532.865 9.246.331 9.130.150 87,79% 1,27%
(Unit) KRASIDA 171.969 200.813 174.451 116,77% 15,11%
Active Account Gadai Efek 222 174 155 78,35% 12,26%
(Unit)
Total 10,705,056 9.447.318 9.304.756 88.25% 1,53%
Omzet (Rp Juta) Gadai KCA 141.400.920 153.112.919 136.902.598 108,28% 11,84%
Turnover (Rp KRASIDA 4.667.626 4.885.691 4.023.237 104,67% 21,44%
million) Gadai Efek 603.795 422.591 670.851 69,99% -37,01%
Total 146.672.341 158.421.201 141.596.686 108,01% 11,88%
Outstanding Loan Gadai KCA 41.495.168 43.108.248 39.684.808 103,89% 8,63%
(Rp Juta) KRASIDA 1.816.138 2.148.145 1.825.064 118,28% 17,70%
Outstanding Loan Gadai Efek 235.563 106.956 164.484 45,40% -34,97%
(Rp million)
Total 43.546.869 45.363.349 41.674.356 104,17% 8,85%
Pendapatan Sewa Gadai KCA 9.821.577 10.254.183 9.469.957 104,40% 8,28%
Modal (Rp Juta) KRASIDA 462.420 497.843 423.518 107,66% 17,55%
Interest Revenue Gadai Efek 33.150 16.290 19.318 49,14% -15,67%
(Rp million)
Total 10.317.147 10.768.316 9.912.793 104,37% 8,63%
Bisnis Kredit Mikro Fidusia Business of Micro Fiduciary Loans
Bisnis kredit mikro fidusia Perseroan memiliki berbagai The micro fiduciary loan business of the Company
jenis fitur yang dapat dikelompokkan menjadi 2 (dua) offers various types of features that can be grouped
tujuan, yaitu produktif dan multiguna. Bisnis kredit into 2 (two) purposes, namely productive and
mikro fidusia adalah pemberian pinjaman kepada multipurpose. Micro fiduciary loan business is the
masyarakat dengan jaminan berupa BPKB kendaraan provision of loans to the public with collateral such as
bermotor, persediaan barang dagangan, alat produksi, motor vehicle BPKB, inventory of goods, production
dan kios atau lapak tempat usaha dengan perikatan equipment, and stalls or business premises with
secara fidusia, baik untuk keperluan pengembangan fiduciary agreements, both for business development
usaha maupun multiguna lainnya bagi karyawan dan purposes and other multipurpose needs for both
non karyawan dengan skema pembayaran bulanan, employees and non-employees with monthly, term-
berjangka, maupun sekali bayar yang dapat dilunasi based, or lump sum payment schemes that can be
sewaktu-waktu. repaid at any time.
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Bisnis kredit mikro fidusia yang dimiliki Perseroan, The micro fiduciary loan business owned by the
antara lain: Company includes:
Nama Produk Penjelasan
No.
Product Name Explanation
1. Pegadaian KREASI (Kredit Merupakan pemberian pinjaman kepada para pengusaha mikro-kecil untuk pengembangan
Angsuran Sistem Fidusia) usaha dengan skema penjaminan secara fidusia (jaminan berupa BPKB dan pada wilayah
tertentu dapat berupa kios atau lapak tempat usaha). Pengembalian pinjaman dilakukan
melalui angsuran per bulan dalam jangka waktu kredit 12 hingga 36 bulan. Produk Kreasi
pada Bisnis Kredit Mikro Fidusia meliputi Kreasi Ultra Mikro, Kreasi Fleksi, Kreasi Multi Guna,
dan Kreasi Express Loan.
It is a lending service provided to micro-small entrepreneurs for business development with
a fiduciary guarantee scheme (collateral in the form of vehicle BPKB and in certain areas, it
can be stalls or business premises). Loan repayment is made through monthly installments
over a credit period of 12 to 36 months. The Creativity Products in the Micro Fiduciary
Credit Business include Ultra Micro Creation, Flexi Creation, Multi-Purpose Creation, and
Express Loan Creation.
a. Kreasi Reguler Merupakan pemberian pinjaman kepada para pengusaha mikro-kecil untuk pengembangan
usaha. Pengembalian pinjaman dilakukan melalui angsuran per bulan, pembayaran
berkala atau sekali bayar. Uang pinjaman mulai dari Rp20.100.000,- sampai dengan
Rp10.000.000.000,- dengan jangka waktu pinjaman 12 hingga 60 bulan.
It is a lending service provided to micro-small entrepreneurs for business development.
Loan repayment is made through monthly installments, periodic payments, or lump sum.
The loan amount ranges from Rp20.100.000 to Rp10.000.000.000, with a loan period of
12 to 60 months.
b. Kreasi Ultra Mikro Target nasabah produk ini adalah pengusaha ultra mikro yang membutuhkan pinjaman
dengan sistem pembayaran angsuran bulanan/berjangka. Uang pinjaman mulai dari
Rp1.000.000,- sampai dengan Rp20.000.000,- dengan jangka waktu pinjaman 3, 4, 6, 12,
18, 24, 36 bulan.
The target customers for this product are ultra-micro entrepreneurs who need loans with
monthly or term installment payment systems. The loan amount ranges from Rp1.000.000
to Rp20.000.000, with loan periods of 3, 4, 6, 12, 18, 24, or 36 months.
c. Kreasi Multiguna Target nasabah produk ini adalah karyawan tetap/PKWT/Honorer, non karyawan/
professional atau pekerja sektor non formal. Uang pinjaman mulai dari Rp1.000.000 sampai
dengan Rp100.000.000 dengan jangka waktu pilihan 12, 18, 24, dan 36 bulan.
The target customers for this product are permanent employees, temporary contract
employees, or freelance workers, as well as professionals or individuals working in the
informal sector. The loan amount ranges from Rp1.000.000 to Rp100.000.000, with flexible
loan periods of 12, 18, 24, and 36 months.
2. Pegadaian KRESNA (Kredit Merupakan pemberian pinjaman yang dikhususkan kepada karyawan internal Perusahaan
Serba Guna) guna pemenuhan keperluan investasi maupun serba guna dengan pengembalian secara
angsuran per bulan dalam jangka waktu 1 tahun hingga maksimum 15 tahun.
This is a loan specifically offered to internal company employees for investment or general
purposes, with repayment in monthly installments over a period of 1 year to a maximum of
15 years.
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Nama Produk Penjelasan
No.
Product Name Explanation
3. Digital Lending Dalam rangka mewujudkan visi Pegadaian dalam menjalankan transformasi maka
dibuatlah salah satu inisiatif strategis “GRAB NEW” yang penerapannya dalam lingkup
bisnis melalui pengembangan produk digital lending yaitu pemberian pinjaman melalui
platform digital yang memberikan manfaat berupa kemudahan dan kecepatan bagi
nasabah melalui transaksi digital. Macam produk Digital Lending adalah sebagai berikut:
• Pinjaman Modal Kerja (PMK)
Produk Pinjaman Modal Kerja selanjutnya disebut produk PMK adalah produk
pembiayaan dengan jangka waktu pendek yang diberikan kepada badan usaha
berbadan hukum untuk tujuan produktif yang berbasiskan fidusia dengan jaminan
invoice melalui platform Agen Fasilitas.
Partner Produk PMK: Modal Rakyat Indonesia dan Duha Madani Syariah.
• Pinjaman Modal Produktif (PMP)
Produk Pinjaman Modal Produktif selanjutnya disebut produk PMP adalah pinjaman
dengan jangka waktu tertentu yang diberikan kepada pengusaha atau badan usaha
dalam sektor usaha kecil, menengah dan besar yang mempunyai aliran pendapatan
untuk tujuan produktif dengan jaminan berupa invoice atau pre-invoice berbasiskan
pada fidusia.
Channel Produk PMP: Web Digital Lending Pegadaian (digilend.pegadaian.co.id) dan
PADI UMKM.
In order to realize Pegadaian’s vision of undergoing transformation, one of the strategic
initiatives called “GRAB NEW” was created. Its implementation in the scope of business
involves the development of digital lending products, providing loans through digital
platforms that offer ease and speed for customers through digital transactions. The types
of Digital Lending products are as follows:
• Working Capital Loan (WCL)
The Working Capital Loan product, hereinafter referred to as WCL, is a short-term
financing product provided to legal entities for productive purposes based on fiduciary
collateral with invoice guarantees through the Agent Facility platform. Partner
Products WCL: Modal Rakyat Indonesia and Duha Madani Sharia.
• Productive Capital Loan (PCL)
The Productive Capital Loan product, hereinafter referred to as PCL, is a loan with a
specific term provided to entrepreneurs or businesses in the small, medium, and large
sectors with income flows for productive purposes, secured by invoices or pre-invoices
based on fiduciary agreements.
Channel Products PCL: Pegadaian Digital Lending Web (digilend.pegadaian.co.id) and
PADI MSME.
Tantangan dan Strategi Bisnis Kredit Challenges and Business Strategies
Mikro Fidusia Tahun 2023 for Micro Fiduciary Credit in 2023
Bisnis kredit mikro fidusia menghadapi sejumlah The micro fiduciary credit business faces several
tantangan di tahun 2023, di antaranya: challenges in 2023, including:
1. Sebagai bagian dari Holding Ultra Mikro, 1. As part of the Ultra Micro Holding, the Company
Perusahaan harus menghadapi tantangan untuk must face the challenge of developing products
mengembangkan produk sehingga tidak tumpang that do not overlap with the holding’s core
tindih dengan produk induk holding. Hal ini products. This requires the Company to innovate
menuntut Perusahaan untuk melakukan inovasi not only in the features of the products offered, but
tidak hanya pada fitur produk yang ditawarkan, also changes in organizational structure, business
bahkan diperlukan perubahan struktur organisasi, processes, and even supporting tools for these
proses bisnis, sampai dengan alat pendukung business processes (applications). Organizational
proses bisnis tersebut (aplikasi). Struktur structure and business processes must align with
organisasi dan proses bisnis harus sesuai dengan the vision and mission of the ultra micro holding,
visi dan misi holding ultra mikro, yaitu memberikan which is to empower the community through
pemberdayaan kepada masyarakat melalui akses inclusive and sustainable financial access.
keuangan yang inklusif dan berkelanjutan.
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
2. Persaingan bisnis kredit mikro yang semakin ketat 2. Increasingly tight competition in microcredit
dari lembaga keuangan lain yang menawarkan business from other financial institutions offering
produk dan layanan dengan tingkat bunga yang products and services at lower interest rates. This
lebih rendah. Hal ini menimbulkan tekanan bagi creates pressure for the company to maintain
Perseroan untuk tetap dapat mempertahankan good performance and growth amid dynamic
kinerja dan pertumbuhan yang baik di tengah market conditions.
kondisi pasar yang dinamis.
3. Sejak pandemi melanda, banyak orang yang 3. Since the pandemic, many people need gadgets
membutuhkan gadget untuk berbagai keperluan, for various purposes, such as work, study, or
seperti bekerja, belajar, atau berkomunikasi. Hal communication. This has led to a significant increase
ini menyebabkan permintaan gadget meningkat in demand for gadgets in the market. However, not
secara signifikan di pasaran. Namun, tidak semua everyone can afford gadgets at affordable prices.
orang mampu membeli gadget dengan harga Therefore, many financial institutions are trying to
yang terjangkau. Oleh karena itu, banyak lembaga offer financing to make it easier for consumers to
keuangan yang berusaha menawarkan pembiayaan get the products they want.
untuk memudahkan konsumen mendapatkan
produk yang diinginkan.
4. Salah satu dampak positif dari berakhirnya 4. One positive impact of the end of the Covid-19
pandemi Covid-19 adalah kebangkitan sektor pandemic is the revival of the tourism sector,
pariwisata yang sempat terpuruk. Banyak orang which was previously depressed. Many people
yang merindukan liburan dan traveling setelah miss vacations and traveling after being confined
lama mengurung diri di rumah. Hal ini membuat at home for a long time. This has led to a
permintaan atas pembiayaan traveling, seperti significant increase in demand for travel financing,
tiket pesawat, hotel, dan paket wisata, mengalami such as plane tickets, hotels, and tour packages.
peningkatan signifikan. Beberapa perusahaan Some financing companies even offer attractive
pembiayaan bahkan menawarkan promo dan promotions and discounts to attract consumer
diskon menarik untuk menarik minat konsumen. interest.
Untuk itu, Perseroan menghadapi tantangan tersebut To address these challenges, the Company is
melalui sejumlah strategi, antara lain: implementing several strategies, including:
1. Perubahan fitur produk dengan mengadopsi fitur- 1. Product feature changes by adopting features
fitur yang sesuai dengan standar induk holding. Hal that align with the holding’s standards. This aims
ini bertujuan untuk menciptakan pengalaman yang to create a cohesive and integrated experience
kohesif dan terintegrasi bagi nasabah Perseroan, for the Company’s customers, and to increase
serta untuk meningkatkan retensi dan kepuasan customer retention and satisfaction. The Company
nasabah. Perseroan juga menetapkan rate yang also sets competitive rates with competitors in
kompetitif dengan pesaing di bisnis yang sejenis, similar businesses, so that customers can obtain
sehingga nasabah dapat memperoleh produk- quality products at economical prices. The
produk bermutu dengan harga yang ekonomis. Company is optimistic that these product feature
Perseroan optimis perubahan fitur produk ini changes can add value for customers and improve
dapat memberikan nilai tambah bagi nasabah dan the Company’s business performance.
meningkatkan performa bisnis Perseroan.
2. Meningkatkan loyalitas nasabah dengan 2. Increasing customer loyalty by offering
menawarkan produk konsumtif yang sesuai dengan consumptive products that suit their interests and
minat dan gaya hidup mereka. Produk konsumtif lifestyles. Consumptive products referred to are
yang dimaksud adalah pembiayaan paket wisata financing for travel packages and gadgets that can
dan gadget yang bisa dinikmati oleh nasabah be enjoyed by customers at more affordable prices.
dengan harga yang lebih terjangkau. Perseroan The Company collaborates with trusted travel and
bekerja sama dengan travel dan distributor resmi official distributors, so that customers do not need
yang terpercaya, sehingga nasabah tidak perlu to worry about the quality and security of the
khawatir tentang kualitas dan keamanan produk products offered by the Company. These travel
yang ditawarkan Perseroan. Paket wisata dan packages and gadgets are designed to meet the
gadget ini dirancang untuk memenuhi kebutuhan needs of customers who enjoy adventure and keep
nasabah yang suka berpetualang dan mengikuti up with technological developments. With these
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perkembangan teknologi. Dengan produk consumptive products, the Company hopes that
konsumtif ini, Perseroan berharap nasabah merasa customers will feel satisfied and continue to trust
puas dan terus mempercayai layanan Perseroan. the Company’s services.
Kinerja Bisnis Kredit Mikro Fidusia Fiduciary Microcredit Business
Tahun 2023 Performance in 2023
dalam jutaan Rupiah, kecuali dinyatakan lain
in million rupiah, unless stated otherwise
2023
Uraian Produk Pencapaian Pertumbuhan
RKAP Realisasi 2022
Description Product Achievement Growth
Realization
Rekening Aktif KREASI 193.919 176.083 167.729 90,80% 4,98%
(Unit) KRESNA 7.791 10.170 8.893 130,54% 14,36%
Active Account Digital Lending 232 104 80 44,87% 30,00%
(Unit)
Total 201.942 186.357 176.702 92,28% 5,46%
Omzet KREASI 4.035.077 5.492.045 3.803.658 136,11% 44,39%
Turnover KRESNA 290.375 1.284.127 1.315.536 442,23% -2,39%
Digital Lending 396.925 136.617 165.492 34,42% -17,45%
Total 4.722.377 6.912.789 5.284.686 146,38% 30,81%
Outstanding Loan KREASI 3.783.237 4.827.168 3.558.091 127,59% 35,67%
KRESNA 792.940 2.002.153 1.463.078 252,50% 36,85%
Digital Lending 113.602 65.975 45.775 58,08% 44,13%
Total 4.689.779 4.216.811 5.066.944 89,91% -16,78%
Pendapatan Sewa KREASI 780.392 897.375 727.077 114,99% 23,42%
Modal KRESNA 98.872 139.743 103.307 141,34% 35,27%
Interest Revenues Digital Lending 11.919 2.198 6.140 18,44% -64,20%
Total 891.183 1.039.316 836.524 116,62% 24,24%
Bisnis Emas Gold Business
Mengingat investasi emas menjadi hal yang diminati Given the growing interest in gold investment among
masyarakat Indonesia, Perseroan memfasilitasi the Indonesian population, the Company facilitates
kebutuhan investasi tersebut dengan menghadirkan this investment need by offering retail investment
layanan jasa investasi retail dengan Tabungan Emas services with Gold Savings and loan disbursement
dan layanan penyaluran Uang Pinjaman dari transaksi services from Pawn transactions with Gold Collateral
Gadai dengan Barang Jaminan Emas yang berasal originating from Buy-Sell transactions between
dari transaksi Jual Beli antara Nasabah dengan Mitra Customers and Gold Provider Partnership Providers.
Kerjasama Penyedia Emas. Adapun jenis produk bisnis The types of gold business products owned by the
emas yang dimiliki Perseroan, antara lain: Company include:
Nama Produk Penjelasan
No.
Product Name Explanation
1. Cicil Emas • Penyaluran Uang Pinjaman dari transaksi Gadai dengan Barang Jaminan Emas yang
a. Personal berasal dari transaksi Jual Beli antara Nasabah dengan Mitra Kerjasama Penyedia Emas.
b. Kolektif • Layanan ini ditujukan baik untuk Nasabah Personal maupun nasabah Kelompok yang
c. Arisan dapat menjadi alternatif pilihan investasi yang aman untuk mewujudkan kebutuhan
d. Internal masa depan dengan proses mudah dan jangka waktu yang fleksibel.
e. Tarif Khusus • Merek Emas Batangan yang ditawarkan bervariasi meliputi ANTAM, UBS, Lotus Archi,
dan Galeri 24 dengan pilihan berat beragam mulai dari 0,5 s.d. 1.000 gram serta pilihan
tenor mulai dari 3, 6, 12, 18, 24, 36, 48, dan 60 bulan.
• Disbursement of Loans from Pawn Transactions with Gold Collateral originating from
Buy-Sell transactions between Customers and Gold Provider Partnership Providers.
• This service is aimed at both Personal Customers and Group Customers, offering a safe
investment alternative to meet future needs with an easy process and flexible duration.
• The offered brands of Gold Bars vary, including ANTAM, UBS, Lotus Archi, and Galeri
24, with weight options ranging from 0.5 to 1,000 grams, and tenure options starting
from 3, 6, 12, 18, 24, 36, 48, to 60 months.
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Nama Produk Penjelasan
No.
Product Name Explanation
f. Cicil Emas Manfaat • Penyaluran Uang Pinjaman dari transaksi Gadai dengan Barang Jaminan Emas yang
Asuransi berasal dari transaksi Jual Beli antara Nasabah dengan Mitra Kerjasama Penyedia Emas
sekaligus mendapatkan benefit tambahan berupa asuransi perlindungan diri.
• Pilihan tenor 12 (dua belas) bulan dan pilihan berat 0,5, 1, dan 2 gram.
• Disbursement of Loans from Pawn Transactions with Gold Collateral originating from
Buy-Sell transactions between Customers and Gold Provider Partnership Providers
while also receiving additional benefits in the form of personal protection insurance.
• Tenure options include 12 (twelve) months, with weight options of 0.5, 1, and 2 grams.
2. Pegadaian Tabungan Layanan penitipan saldo emas yang memungkinkan nasabah melakukan investasi emas
Emas secara mudah, cepat, aman, dan terpercaya serta mudah dicairkan dan digadaikan, serta
dapat dicetak fisik dan dapat ditransaksikan secara online melalui Pegadaian Digital.
The gold balance deposit service allows customers to invest in gold easily, quickly, safely,
and reliably. It enables customers to easily liquidate and pawn their gold balances, print
physical certificates, and transact online through Pegadaian Digital.
a. Gadai Tabungan Emas Pemberian kredit dengan sistem gadai yang diberikan ke seluruh golongan nasabah untuk
kebutuhan konsumtif maupun produktif dengan jaminan titipan emas (saldo tabungan
emas) yang ada di Pegadaian dengan proses mudah, administrasi dan sewa modal ringan.
Providing credit through a pawn system offered to all customer segments for consumptive
and productive needs, with gold deposit (gold savings balance) as collateral held by
Pegadaian. The process is easy, with minimal administrative requirements and low rental
rates.
b. Gadai Tabungan Emas Pemberian kredit dengan sistem gadai yang diberikan ke seluruh golongan nasabah untuk
Angsuran kebutuhan konsumtif maupun produktif dengan jaminan titipan emas (saldo tabungan
emas) yang ada di Pegadaian dengan sistem angsuran flat dengan jangka waktu 6, 12, 18
dan 24 bulan.
Providing credit through a pawn system offered to all customer segments for consumptive
and productive needs, with gold deposit (gold savings balance) as collateral held by
Pegadaian. The repayment is made through flat installments with a duration of 6, 12, 18,
and 24 months.
c. Mulia Tabungan Emas Pemberian pinjaman guna pembelian saldo emas oleh Nasabah dari Galeri 24 dengan
harga dan berat yang ditetapkan oleh Galeri 24 menggunakan perjanjian Gadai melalui
skema pembayaran secara angsuran
Providing loans for the purchase of gold balances by customers from Galeri 24 at prices
and weights set by Galeri 24 using a Pawn agreement through an installment payment
scheme.
3. Pegadaian Jasa Titipan Layanan jasa Titipan emas batangan bagi nasabah Korporasi yang memerlukan tempat
Emas Korporasi penyimpanan emas dengan kapasitas besar dengan benefit sistem pengamanan dan
asuransi.
Gold bullion deposit services for corporate customers who require large-capacity gold
storage with security and insurance benefits.
Tantangan dan Strategi Bisnis Emas Challenges and Business Strategies
Tahun 2023 for Gold Business in 2023
Sepanjang tahun 2023, bisnis emas menghadapi Throughout the year 2023, the gold business faces
sejumlah tantangan sebagai berikut: several challenges as follows:
1. Minat masyarakat untuk investasi emas menurun, 1. Decreasing interest of the public in gold
hal ini dipengaruhi dengan harga emas di tahun investment, influenced by the stagnant gold prices
2023 yang cenderung stagnan dan baru mulai in 2023, which only began to increase towards the
mengalami peningkatan di akhir tahun saja. end of the year.
2. Pilihan investasi emas di pasar semakin beragam. 2. Increasing diversity of gold investment options in
the market.
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3. Semakin banyak pesaing yang menjalankan bisnis 3. Growing number of competitors in the gold
di industri emas, dengan memberikan beragam industry, offering various features and attractive
fitur dan promo-promo yang menarik sehingga promotions, necessitating continuous innovation
membuat kita harus terus melakukan inovasi agar to ensure our products remain the preferred choice
produk kita masih menjadi pilihan utama dari among the public.
masyarakat.
Untuk menghadapi tantangan tersebut, Perseroan To address these challenges, the Company through the
melalui Divisi Produk Emas akan melakukan sejumlah Gold Products Division will implement the following
strategi sebagai berikut: strategies:
a. Minat Masyarakat dalam investasi menurun. a. Decreasing Public Interest in Investment:
1. Melakukan riset kondisi pasar emas di indonesia 1. Conducting market research on the gold market
serta mempelajari fenomena penurunan conditions in Indonesia and studying whether
tersebut hanya terjadi pada daerah tertentu the decline is specific to certain regions
saja atau secara umum guna untuk merancang or general, in order to devise appropriate
strategi yang tepat. strategies.
2. Pengembangan produk dan penguatan 2. Product development and enhancement of
fitur terutama di payment untuk pembelian features, especially in payment for purchases,
yang mendukung minat masyarakat dalam to support public interest in gold investment.
berinvestasi emas.
3. Membuat event sosialisasi manfaat investasi 3. Organizing events to raise awareness about
emas kepada masyarakat untuk meningkatkan the importance of long-term gold investment
awareness pentingnya investasi jangka panjang. among the public.
4. Membuat program promosi untuk mendorong 4. Implementing promotional programs
penjualan yang dilakukan melalui channel conducted through offline and online channels
offline dan online. to boost sales.
b. Pilihan Investasi emas di pasar semakin beragam. b. Increasing Diversity of Investment Options:
1. Melakukan penawaran khusus kepada nasabah 1. Offering special deals to customers such
seperti paket bundling untuk meningkatkan as bundling packages to increase the
daya tarik produk emas. attractiveness of gold products.
2. Membangun strategi pemasaran yang 2. Developing targeted marketing strategies
tepat untuk menjangkau target pasar untuk to reach the target market and increase the
meningkatkan visibilitas produk emas dan juga visibility of gold products, including hosting
mengadakan seminar tentang investasi emas. seminars on gold investment.
3. Melakukan kolaborasi dengan perusahaan atau 3. Collaborating with other companies or financial
lembaga keuangan lainnya untuk menyediakan institutions to provide gold investment
produk investasi emas untuk membantu products to reach a wider customer base.
menjangkau lebih banyak nasabah.
c. Banyaknya pesaing di bisnis emas. c. Growing Competition in the Gold Business:
1. Berinovasi dengan mengembangan produk dan 1. Innovating by developing new products and
layanan baru yang dapat memenuhi kebutuhan services that better meet customer needs.
nasabah dengan lebih baik.
2. Melakukan analisis secara terus menerus 2. Continuously analyzing business performance
terhadap kinerja bisnis dan perubahan kondisi and changes in the gold market conditions,
pasar emas dan segera melakukan penyesuaian and promptly making adjustments to remain
agar dapat terus bersaing. competitive.
3. Menyusun strategi pemasaran yang cerdas 3. Formulating smart marketing strategies to reach
untuk menjangkau nasabah potensial. potential customers.
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Kinerja Bisnis Emas Tahun 2023 Gold Business Performance in 2023
dalam jutaan Rupiah, kecuali dinyatakan lain
in million rupiah, unless stated otherwise
2023
Uraian Produk Pencapaian Pertumbuhan
Realisasi 2022
Description Product RKAP Achievement Growth
Realization
Rekening Aktif MULIA (Konven & Syariah) 384.919 196.199 194.670 50,97% 0,79%
(Unit) Emasku 73.470 61.699 36.716 83.98% 68,04%
Active
Account (Unit) Gadai Tabungan Emas 134.515 131.179 115.018 97,52% 14,05%
Krasida Tabungan Emas 2.844 1.758 1.436 61.82% 22,42%
Total 595.747 390.835 347.840 65,60%. 12,36%
Omzet MULIA (Konven & Syariah) 4.612.534 2.391.572 2.914.558 51,85%. -17,94%
Turnover Emasku 59.325 54.762 38.917 92,31% 40,71%
Gadai Tabungan Emas 3.111.956 2.573.150 1.975.646 82,69% 30,24%
Krasida Tabungan Emas 50.258 32.699 31.676 65,06%. 3,23%
Total 7.834.072 5.052.182 4.960.797 64,49% 1,84%
Outstanding MULIA (Konven & Syariah) 2.309.611 1.277.280 1.568.765 55,30% -18,58%
Loan Emasku 32.116 20.380 13.310 63,46% 53,12%
Gadai Tabungan Emas 600.978 485.070 403.465 80,71% 20,23%
Krasida Tabungan Emas 20.310 15.933 14.334 78,45% 11,15%
Total 2.963.015 1.798.663 1.999.875 60.70% -10,06%
Pendapatan MULIA (Konven & Syariah) 364.643 318.358 257.817 87,31% 23,48%
Margin Emasku 5.070 6.976 4.192 137,59% 66,42%
Margin
Revenue Gadai Tabungan Emas 94.883 71.892 61.748 75,77% 16,43%
Krasida Tabungan Emas 3.207 2.564 2.199 79,95%. 16,59%
Total 467.803 399.789 325.956 85,46% 22,65%
Tabungan Rekening Aktif 3.339.769 3.129.453 3.463.751 93,70% -9,65%
Emas Omzet (Rp Juta) 3.150.214 2.760.306 2.917.337 87,62% -5,38%
Segmen Syariah Sharia Segment
Pegadaian menyadari bahwa industri keuangan syariah Pegadaian recognizes the continuous growth of the
terus berkembang mengingat populasi penduduk Islamic finance industry, considering the large Muslim
muslim di Indonesia yang sangat besar. Untuk itu, population in Indonesia. Therefore, the Company has
Perseroan membentuk Unit Usaha Syariah (UUS) yang established the Sharia Business Unit (UUS) aimed at
bertujuan untuk mengembangkan produk dan layanan developing pawn products and services based on
gadai berdasarkan prinsip syariah. Seluruh produk dan Sharia principles. All products and services offered
layanan yang ditawarkan oleh Pegadaian senantiasa by Pegadaian are constantly monitored by a credible
diawasi oleh Dewan Pengawas Syariah yang kredibel Sharia Supervisory Board and have obtained approval
dan telah memperoleh persetujuan dari Dewan Syariah from the National Sharia Board to ensure their
Nasional guna memastikan kesesuaiannya dengan compliance with Sharia principles.
prinsip syariah.
Produk dan layanan pada segmen syariah sebagian Products and services in the Sharia segment largely
besar merupakan produk yang telah dikenal oleh consist of products that are already known to the
masyarakat pada segmen konvensional. Produk public in the conventional segment. These products
dan layanan tersebut telah dimodifikasi sedemikian and services have been modified and adapted to
rupa dan disesuaikan dengan hukum-hukum Sharia laws to meet Sharia principles. To boost the
syariah agar dapat memenuhi prinsip syariah. Untuk performance of the Sharia segment, Pegadaian also
mendorong kinerja segmen syariah, Pegadaian juga develops channeling schemes that allow the Company
mengembangkan skema channeling yang dapat to market Sharia pawn products in conventional
memungkinkan Perseroan untuk memasarkan produk Pegadaian outlets.
gadai syariah di outlet Pegadaian konvensional.
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Bisnis Gadai Syariah Sharia Pawn Business
Pegadaian memberikan pinjaman kepada masyarakat Pegadaian provides loans to the public based on the
atas dasar hukum gadai dengan jaminan berupa pawn law, with collateral such as gold jewelry, gold
perhiasan emas, emas batangan, kendaraan bermotor, bars, motor vehicles, electronic goods, household
barang elektronik, peralatan rumah tangga, atau appliances, or other specific types of collateral for
jenis agunan tertentu lainnya untuk tujuan produktif productive or consumptive purposes. Customers are
maupun konsumtif. Nasabah dikenakan biaya charged maintenance fees (mu’nah) calculated based
pemeliharaan (mu’nah) yang dihitung dari nilai taksiran on the appraised value of the collateral held by the
barang jaminan yang dipelihara di Perseroan. Bisnis Company. Sharia pawn business offers several types
gadai syariah memiliki beberapa jenis produk, antara of products, including Sharia Pawn, Sharia Gold
lain Gadai Syariah, Gadai Emas Syariah Angsuran, Installment Pawn, Hajj Portion Financing, and Religious
Pembiayaan Porsi Haji dan Pembiayaan Wisata Religi. Tourism Financing.
Nama Produk Penjelasan
No.
Product Name Explanation
1. Gadai Syariah Sistem gadai berprinsip Syariah yang diberikan kepada semua golongan masyarakat, baik untuk
kebutuhan konsumtif maupun kebutuhan produktif. Gadai Syariah merupakan solusi terpercaya untuk
mendapatkan pinjaman dengan akad sesuai dengan prinsip syariah, mudah, cepat, dan aman. Gadai
Syariah terbagi menjadi beberapa fitur produk antara lain Gadai Emas Syariah, Gadai Non Emas Syariah,
Gadai Kendaraan Syariah dan Gadai Tabungan Emas Syariah. Untuk mendapatkan pinjaman nasabah
hanya perlu membawa identitas (KTP/SIM/Passport) dan agunan berupa perhiasan emas, emas
batangan, berlian terikat perhiasan, mobil, sepeda motor, laptop, handphone, dan barang elektronik
lainnya. Pinjaman yang diberikan mulai dari Rp50.000,- dengan biaya pemeliharaan (mu’nah) mulai
0,086% (dari taksiran) per hari atau 0,47% (dari taksiran) per 10 hari dengan jangka waktu kredit
maksimum 120 Hari, dan dapat diperpanjang dengan cara mengangsur ataupun mengulang gadai,
serta dapat dilunasi sewaktu-waktu dengan perhitungan mu’nah proporsional selama masa pinjaman.
Sharia Pawn System is provided to all segments of society, both for consumptive and productive needs.
Sharia Pawn is a reliable solution to obtain loans with contracts adhering to Sharia principles, offering
convenience, speed, and security. Sharia Pawn is divided into several product features, including
Sharia Gold Pawn, Sharia Non-Gold Pawn, Sharia Vehicle Pawn, and Sharia Gold Savings Pawn. To
obtain a loan, customers only need to bring identification (ID card / driver’s license / passport) and
collateral such as gold jewelry, gold bars, diamond-bound jewelry, cars, motorcycles, laptops, cell
phones, and other electronic goods. The loan amount starts from Rp 50.000 with maintenance fees
(mu’nah) starting at 0.086% (of the appraisal) per day or 0.47% (of the appraisal) per 10 days, with a
maximum credit period of 120 days, extendable through installments or renewing the pawn, and can
be paid off at any time with proportional mu’nah calculations during the loan period.
2. Gadai Emas Gadai Emas Angsuran Syariah yang memberikan pinjaman dana tunai dengan jaminan perhiasan
Syariah (emas dan berlian). Pinjaman dapat diangsur setiap bulan melalui proses yang mudah dan sesuai
Angsuran syariah. Jaminan emas disimpan di Pegadaian dengan tarif pemeliharaan (mu’nah) sebesar 0,95% per
bulan flat dari taksiran barang jaminan dengan jangka waktu pembiayaan 12, 18, 24, 36 bulan.
Gadai Emas Angsuran Syariah is a service that provides cash loans with gold and diamond jewelry as
collateral. The loan can be repaid monthly through a simple and Sharia-compliant process. The gold
collateral is kept at Pegadaian with a maintenance fee (mu’nah) of 0.95% per month flat rate based on
the appraised value of the collateral, with financing periods of 12, 18, 24, or 36 months.
3. Pembiayaan Pembiayaan untuk mendapatkan porsi ibadah haji secara syariah dengan proses mudah, cepat dan
Porsi Haji aman. Jaminan emas serta bekas pendaftaran haji disimpan di Pegadaian. Tarif pemeliharaan (mu’nah)
sebesar 0,95% per bulan flat dari taksiran barang jaminan (emas + berkas pendaftaran haji) dengan
jangka waktu pembiayaan 12, 18, 24, 36, 48 dan 60 bulan.
Financing for obtaining a portion of Hajj worship in a Sharia-compliant manner with an easy, fast,
and secure process. Gold collateral and the Hajj registration documents are kept at Pegadaian. The
maintenance fee (mu’nah) is 0.95% per month flat rate based on the appraised value of the collateral
(gold + Hajj registration documents), with financing periods of 12, 18, 24, 36, 48, and 60 months.
4. Pembiayaan Penyaluran pinjaman untuk wisata rohani (ibadah umroh atau wisata perjalanan halal lainnya) yang
Wisata Religi menggunakan akad Gadai Syariah dan menggunakan pola angsuran berlandaskan prinsip-prinsip
syariah. Pada Arrum Safar, jaminan emas serta barang berharga lainnya disimpan di Pegadaian. Tarif
pemeliharaan (mu’nah) sebesar 0,65% per bulan flat dari taksiran barang jaminan (emas+barang
berharga lainnya) dengan jangka waktu pembiayaan 12, 18, 24, dan 36 bulan.
Disbursement of loans for spiritual tourism (Umrah pilgrimage or other halal travel) using Sharia-
compliant agreements and installment schemes based on Sharia principles. In Arrum Safar, gold
collateral and other valuable items are stored at Pegadaian. The maintenance fee (mu’nah) is 0.65%
per month flat rate based on the appraised value of the collateral (gold + other valuable items), with
financing periods of 12, 18, 24, and 36 months.
PT Pegadaian | 2023 Annual Report 179
Page 180
Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Tantangan dan Strategi Bisnis Gadai Challenges and Business Strategies
Syariah Tahun 2023 for Sharia Pawn in 2023
Di tahun 2023, bisnis gadai syariah dihadapi oleh In 2023, Sharia pawn businesses face several
beberapa tantangan, antara lain: challenges, including:
1. Ketidakstabilan politik, sosial dan ekonomi; 1. Political, social, and economic instability;
2. Bisnis pergadaian yang semakin terbuka yang 2. Increasing openness in the pawn business leading
menyebabkan persaingan semakin ketat; to intensified competition;
3. Kompetensi insan Pegadaian yang belum merata; 3. Uneven competencies among Pegadaian personnel.
Dalam menghadapi tantangan tersebut, Perseroan In response to these challenges, the Company
menerapkan strategi sebagai berikut: implements the following strategies:
1. Mengakomodir dan memfasilitasi kebutuhan pasar 1. Accommodating and facilitating market needs
(customer focus) dengan memberikan fasilitas (customer focus) by offering more competitive
pembiayaan yang lebih kompetitif financing facilities.
2. Menyederhanakan proses bisnis; 2. Streamlining business processes;
3. Meningkatkan koordinasi dengan pihak eksternal 3. Improving coordination with external parties;
untuk
4. Menambah kompetensi insan Pegadaian dalam 4. Enhancing Pegadaian personnel’s competencies
hal Product Knowledge, strategi pemasaran, in Product Knowledge, marketing strategies,
pelayanan dan lain-lain customer service, and others.
Kinerja Bisnis Gadai Syariah Tahun Sharia Pawn Business Performance in
2023 2023
dalam jutaan Rupiah, kecuali dinyatakan lain
in million rupiah, unless stated otherwise
2023
Uraian Produk Pencapaian Pertumbuhan
Realisasi 2022
Description Product RKAP Achievement Growth
Realization
Rekening Aktif Rahn 1.567.301 1.354.278 1.358.264 86,41% -0,29%
(Unit) Arrum Emas 36.548 43.372 38.438 118,67% 12,84%
Active Account Arrum Haji 46.584 38.741 42.107 83,16% -7,99%
(Unit)
Arrum Safar 1.385 231 177 16,68% 30,51%
Total 1.651.818 1.436.622 1.438.986 86,97% -0,16%
Omzet Rahn 24.925.184 27.792.974 24.553.782 111,51% 13,19%,
Turnover Arrum Emas 1.112.861 1.194.553 1.003.624 107,34% 19,02%
Arrum Haji 324.649 226.225 219.998 69,68% 2,83%
Arrum Safar 17.196 6.862 9.016 39,90% -23,89%
Total 26.379.890 29.220.614 25.786.420 110,77% 13,32%
Outstanding Loan Rahn 6.986.656 7.352.352 6.719.359 105,23% 9,42%
Arrum Emas 497.817 587.555 537.271 118,03% 9,36%
Arrum Haji 690.629 493.587 554.841 71,47% -11,04%
Arrum Safar 25.053 8.005 7.751 31,95% 3,27%
Total 8.200.155 8.441.499 7.819.222 102,94% 7,96%
Pendapatan Rahn 1.780.568 1.802.939 1.697.644 101,26% 6,20%
Mu'nah Arrum Emas 117.320 130.971 113.009 111,65% 15,89%
Mu'nah Revenue Arrum Haji 127.246 122.040 135.390 95,91% -9,86%
Arrum Safar 2.050 430 136 20,98% 216,30%
Total 2.027.166 2.056.381 1.946.179 101,44% 5,66%
180 Laporan Tahunan 2023 | PT Pegadaian
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Bisnis Non-Gadai Syariah Sharia Non-Pawn Business
Perseroan memberikan pembiayaan kepada The Company provides financing to micro and small
pengusaha mikro kecil dengan agunan BPKB entrepreneurs with vehicle BPKB collateral (Sharia
kendaraan (Pegadaian Syariah Pinjaman Usaha) Pawn Business Loan) as well as vehicle ownership
serta pembiayaan kepemilikan kendaraan bermotor financing for employees and entrepreneurs (Vehicle
bagi karyawan maupun pengusaha (Pegadaian Cicil Installment Pawn). In this business, the company
Kendaraan). Pada bisnis ini, Perseroan juga memiliki also offers financing to individuals with fixed/regular
pembiayaan yang diberikan kepada masyarakat income, micro/small entrepreneurs, and farmers with
berpenghasilan tetap/rutin, pengusaha mikro/kecil land certificates and/or Building Utilization Rights
dan petani dengan jaminan Sertifikat tanah dan/atau Certificates (SHGB). The Sharia non-pawn business
SHGB (Sertifikat Hak Guna Bangunan). Bisnis non- has several types of Sharia micro fiduciary financing
gadai syariah memiliki beberapa jenis produk bisnis products, including:
pembiayaan mikro fidusia syariah, antara lain:
Nama Produk Penjelasan
No.
Product Name Explanation
1. Pegadaian Syariah Pada Pegadaian Syariah Pinjaman Usaha, kendaraan tetap pada pemiliknya sehingga dapat
Pinjaman Usaha digunakan untuk mendukung usaha, tarif pemeliharaan (mu’nah) sebesar 0,7% per bulan flat dari
taksiran harga kendaraan dengan jangka waktu pembiayaan 12, 18, 24, 36 hingga 48 bulan.
In Pegadaian Syariah Pinjaman Usaha, the vehicle remains with its owner so it can be used to
support the business. The maintenance fee (mu’nah) is 0.7% per month flat from the estimated
vehicle price with financing terms ranging from 12, 18, 24, 36 up to 48 months.
2. Pegadaian Cicil Pembiayaan yang diperuntukkan guna pembelian/kepemilikan kendaraan bermotor baru atau bekas
Kendaraan pakai sesuai dengan prinsip syariah kepada karyawan, pengusaha UMKM,pensiunan, profesional,
dan non profesional. Jangka waktu angsuran 12, 18, 24, 36 bulan untuk sepeda motor dan 12, 18,
24, 36, 48, dan 60 bulan untuk mobil dengan tarif pemeliharaan (mu’nah) 0,9% per bulan flat dari
taksiran harga kendaraan.Adapun biaya mu’nah akad sebesar Rp 70.000 untuk sepeda motor dan
Rp 200.000,- untuk mobil
Financing is provided for the purchase/ownership of new or used motor vehicles in accordance with
Sharia principles to employees, MSME entrepreneurs, retirees, professionals, and non-professionals.
The installment periods are 12, 18, 24, 36 months for motorcycles and 12, 18, 24, 36, 48, and 60
months for cars with a maintenance fee (mu’nah) of 0.9% per month flat from the estimated vehicle
price. The mu’nah fee for the contract is Rp 70.000 for motorcycles and Rp 200.000 for cars.
3. Pegadaian Syariah Sistem gadai berprinsip syariah yang diberikan kepada masyarakat yang memiliki penghasilan
Gadai Sertifikat tetap/rutin, pengusaha mikro, pengusaha kecil maupun petani dan nelayan dengan agunan sertifikat
tanah (SHM dan SHGB). Besarnya pinjaman yang diberikan mulai dari Rp5.000.000 sampai dengan
Rp200.000.000 dengan biaya mu’nah akad sebesar Rp70.000 dan biaya pemeliharaan (mu’nah)
mulai 0,70% per bulan dan jangka waktu 12, 18, 24, 36, 48, 60 bulan.
Sharia-based pawn system provided to individuals with regular income, micro-entrepreneurs, small
business owners, farmers, and fishermen with land certificate collateral (SHM and SHGB). The loan
amount ranges from Rp 5.000.000 to Rp 200.000.000 with a contract mu’nah fee of Rp 70.000 and
maintenance fee (mu’nah) starting from 0.70% per month and a tenure of 12, 18, 24, 36, 48, 60 months.
4. Pegadaian KUR Program Kredit Usaha Rakyat (KUR) adalah salah satu program pemerintah dalam meningkatkan
Syariah akses pembiayaan kepada Usaha Mikro, Kecil, dan Menengah (UMKM) yang disalurkan dengan
skema syariah. Program KUR dimaksudkan untuk memperkuat kemampuan permodalan usaha
dalam rangka pelaksanaan kebijakan percepatan pengembangan sektor riil dan pemberdayaan
UMKM. Pembiayaan yang diberikan mulai Rp 1.000.000,- sampai dengan Rp 50.000.000,- dengan
tenor 12,18,24 dan 36 bulan dengan biaya mu’nah mulai 0,14 % per bulan
The People’s Business Credit (KUR) program is one of the government’s initiatives to enhance
access to financing for Micro, Small, and Medium Enterprises (MSMEs) distributed under Sharia-
compliant schemes. The KUR program aims to strengthen the capital capacity of businesses to
accelerate the development of the real sector and empower MSMEs. Financing is provided ranging
from Rp 1.000.000 to Rp 50.000.000, with tenure options of 12, 18, 24, and 36 months, and a
mu’nah fee starting from 0.14% per month.
PT Pegadaian | 2023 Annual Report 181
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Tantangan dan Strategi Bisnis Non- Challenges and Business Strategies
Gadai Syariah Tahun 2023 for Non-Pawn Sharia Business in 2023
Bisnis non-gadai syariah menghadapi beberapa Non-pawn Sharia businesses face several challenges in
tantangan di tahun 2023, antara lain: 2023, including:
1. Risiko ketidakpastian perekonomian dunia 1. Uncertainty in the global economy
2. Kondisi geopolitik yang tidak stabil 2. Unstable geopolitical conditions
3. Tingkat kompetisi dan persaingan lembaga 3. Increasing competition and rivalry among financial
keuangan semakin ketat institutions
4. Musim kemarau dan badai el nino yang 4. Prolonged drought and El Nino storms
berkepanjangan.
Perseroan telah menerapkan strategi untuk The Company has implemented strategies to address
menghadapi tantangan bagi bisnis non-gadai syariah, the challenges for non-pawn Sharia businesses,
antara lain: including:
1. Pengembangan produk dan layanan yang 1. Sustainable development of products and services
berkelanjutan
2. Memperbaiki dan menyempurnakan proses bisnis 2. Improving and streamlining business processes
yang lebih sederhana (simplikasi) based on business and risk simplification
3. berbasis bisnis dan risiko 3.
4. Digitalisasi proses bisnis 4. Digitization of business processes
5. Kolaborasi dan sharing dengan berbagai pihak 5. Collaboration and sharing with various parties as
sebagai mitra dalam support bisnis business support partners
6. Peningkatan kompetensi dan product knowledge 6. Enhancing competencies and product knowledge
di semua lini across all levels
Kinerja Bisnis Non-Gadai Syariah Non-pawn Sharia Business
Tahun 2023 Performance in 2023
dalam jutaan Rupiah, kecuali dinyatakan lain
in million rupiah, unless stated otherwise
2023
Uraian Produk Pencapaian Pertumbuhan
Realisasi 2022
Description Product RKAP Achievement Growth
Realization
Rekening Arrum Mikro 66.068 349.486 92.680 528,98% 277,09%
(Unit) Amanah 54.095 52.955 40.112 97,89% 32,02%
Accounts (Unit) Rahn Tasjily 9.700 8.793 8.687 90,65% 1,22%
Tanah
Total 129.863 411.234 141.479 316,67% 190,67%
Omzet Arrum Mikro 3.347.911 3.942.291 1.124.145 117,75% 250,69%
Turnover Amanah 782.516 1.264.648 763.707 161,61% 65,59%
Rahn Tasjily 331.193 386.982 240.494 116,84% 60,91%
Tanah
Total 4.461.620 5.593.921 2.128.346 125,38% 162,83%
Outstanding Arrum Mikro 2.687.054 3.109.187 1.024.185 115,71% 203,58%,
Loan Amanah 1.002.916 1.363.514 923.501 135,95% 47,65%
Rahn Tasjily 518.360 602.055 544.832 116,15% 10,50%
Tanah
Total 4.208.330 5.074.756 2.492.518 120,59% 103,60%
Pendapatan Arrum Mikro 375.290 345.541 105.123 92,07% 228,70%
Sewa Mu'nah Amanah 155.064 179.161 132.540 115,54% 35,18%
Mu'nah Rahn Tasjily 92.864 70.138 81.219 75,53% -13,64%
Revenue Tanah
Total 623.218 594.841 318.882 95,45% 86,54%
182 Laporan Tahunan 2023 | PT Pegadaian
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Profitabilitas per Segmen Per Segment Profitability
Segmen Usaha Konvensional Conventional Business Segment
dalam jutaan Rupiah, kecuali dinyatakan lain
in million rupiah, unless stated otherwise
Pertumbuhan (Penurunan)
Uraian Growth (Decilne)
2023 2022
Description Persentase (%)
Nominal
Percentage (%)
Aset 69.010.440 63.180.797 5.829.643 9,23
Asset
Liabilitas 42.246.444 39.414.118 2.832.326 7,19
Liability
Pendapatan Usaha 21.673.415 20.538.862 1.134.553 5,52
Operating Revenue
Beban Usaha (17.206.621) (17.355.525) 148.904 0,86
Operating Expenses
Pendapatan Lain-lain 14.228 3.536 10.692 302,376
Other Income
Laba Sebelum Pajak Penghasilan 4.481.022 3.186.874 1.294.148 40,61
Profit before Income Tax
Segmen Usaha Syariah Sharia Business Segment
dalam jutaan Rupiah, kecuali dinyatakan lain
in million rupiah, unless stated otherwise
Pertumbuhan (Penurunan)
Uraian Growth (Decilne)
2023 2022
Description Persentase (%)
Nominal
Percentage (%)
Aset 13.574.991 10.148.993 3.425.998 33,76
Asset
Liabilitas 7.703.396 5.497.186 2.206.210 40,13
Liability
Pendapatan Usaha 2.760.379 2.337.724 422.655 18,08
Operating Revenue
Beban Usaha (1.541.313) (1.195.757) -345.556 28,89
Operating Expenses
Pendapatan Lain-lain 928 363 565 155,65
Other Income
Laba Sebelum Pajak Penghaslan 1.219.994 1.142.331 77.663 6,80
Profit before Income Tax
PT Pegadaian | 2023 Annual Report 183
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Segmen Demografi Demographic Segment
Wilayah Daerah Operasi Jumlah Kantor Wilayah dan Cabang
Area Operating Region Number of Regional Offices and Branches
Sumatera Kanwil Medan, Pekanbaru dan Palembang • 3 Kantor Wilayah
Regional Offices in Medan, Pekanbaru, and Palembang • 110 Kantor Cabang
• 624 Unit Pelayanan Cabang
• 141 Co-location SENYUM
• 3 Regional Offices
• 110 Branch Offices
• 624 Branch Service Units
• 141 SENYUM co-location
Jawa Kanwil Jakarta 1, Jakarta 2, Bandung, Semarang, Surabaya • 5 Kantor Wilayah
Java Jakarta 1, Jakarta 2, Bandung, Semarang, Surabaya • 295 Kantor Cabang
Regional Office • 1.603 Unit Pelayanan Cabang
• 244 Co-location SENYUM
• 5 Regional Offices
• 295 Branch Offices
• 1,603 Branch Service Units
• 244 SENYUM Co-locations
Kalimantan Kanwil Balikpapan • 1 Kantor Wilayah
Balikpapan Regional Office • 53 Kantor Cabang
• 282 Unit Pelayanan Cabang
• 57 Co-location SENYUM
• 1 Regional Office
• 53 Branch Offices
• 282 Branch Service Units
• 57 Co-location SENYUM
Bali & Nusa Kanwil Denpasar • 1 Kantor Wilayah
Tenggara Denpasar Regional Office • 64 Kantor Cabang
• 362 Unit Pelayanan Cabang
• 59 Co-location SENYUM
• 1 Regional Office
• 64 Branch Offices
• 362 Branch Service Units
• 59 Co-location SENYUM
Sulawesi, Maluku Kanwil Makassar dan Manado • 2 Kantor Wilayah
dan Papua Makassar and Manado Regional Office • 120 Kantor Cabang
• 579 Unit Pelayanan Cabang
• 127 Co-location SENYUM
• 2 Regional Offices
• 120 Branch Offices
• 579 Branch Service Units
• 127 SENYUM Co-locations
184 Laporan Tahunan 2023 | PT Pegadaian
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Profitabilitas berdasarkan Segmen Demographic Segment Profitability
Demografi
Profitabilitas Tahun 2023 Profitability in 2023
dalam jutaan Rupiah
in million rupiah
Uraian Jawa Bali & Nusa Sulawesi,
Sumatera Kalimantan
Description Java Tenggara Maluku & Papua
Aset 43.020.827 11.830.449 5.834.923 7.436.685 14.462.547
Asset
Liabilitas 33.065.720 5.546.116 2.398.231 2.670.105 6.269.668
Liability
Pendapatan Usaha 15.465.427 2.686.788 1.291.747 1.704.140 3.285.692
Operating Revenue
Beban Usaha (13.374.241) (1.723.567) (764.542) (953.092) (1.932.492)
Operating Expenses
Pendapatan Lain-lain 11.388 843 816 134 1.975
Other Income
Laba Sebelum Pajak 2.102.574 964.064 528.021 751.182 1.355.175
Penghasilan
Profit before Income Tax
Profitabilitas Tahun 2022 Year 2022 Profitability
dalam jutaan Rupiah
in million rupiah
Uraian Jawa Bali & Nusa Sulawesi,
Sumatera Kalimantan
Description Java Tenggara Maluku & Papua
Aset 37.959.568 10.704.794 5.097.462 6.631.618 12.936.348
Asset
Liabilitas 28.629.089 5.383.043 2.188.161 2.612.760 6.098.251
Liability
Pendapatan Usaha 14.910.364 2.344.668 1.132.655 1.586.139 2.902.761
Operating Revenue
Beban Usaha (15.777.245) (893.800) (385.230) (498.908) (996.099)
Operating Expenses
Pendapatan Lain-lain 2.477 516 296 190 420
Other Income
Laba Sebelum Pajak (864.404) 1.451.384 747.721 1.087.421 1.907.082
Penghasilan
Profit before Income Tax
PT Pegadaian | 2023 Annual Report 185
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Tinjauan Keuangan
Financial Overview
Penyusunan analisa dan pembahasan kinerja keuangan The preparation of financial performance analysis and
dalam Laporan Tahunan ini mengacu pada Laporan discussions in this Annual Report refers to Pegadaian’s
Keuangan Konsolidasian Pegadaian yang telah diaudit Consolidated Financial Statements which have been
oleh Kantor Akuntan Publik Kantor Akuntan Publik audited by the Public Accounting Firm Purwantono,
(KAP) Purwantono, Sungkoro, dan Surja (EY) dengan Sungkoro, and Surja (EY) with an unqualified opinion
opini wajar tanpa modifikasian (unqualified) untuk for the years ended December 31, 2023, and 2022.
tahun yang berakhir pada 31 Desember 2023 dan The Company’s Consolidated Financial Statements
2022. Laporan Keuangan Konsolidasian Perseroan are prepared in accordance with generally accepted
disusun sesuai dengan prinsip-prinsip akuntansi yang accounting principles in Indonesia (SAK), which
berlaku umum di Indonesia (SAK), yang mencakup include the Indonesian Financial Accounting Standards
Pernyataan Standar Akuntansi Keuangan (PSAK) dan (PSAK) and interpretations of Financial Accounting
interpretasi Standar Akuntansi Keuangan (ISAK) yang Standards (ISAK) issued by the Indonesian Financial
dikeluarkan oleh Dewan Standar Akuntansi Keuangan- Accounting Standards Board-Indonesian Institute
Ikatan Akuntan Indonesia (DSAK-IAI), serta peraturan- of Accountants (DSAK-IAI), as well as applicable
peraturan yang berlaku. regulations.
Posisi Keuangan Konsolidasian Consolidated Financial Position
Aset Asset
dalam jutaan Rupiah
in million rupiah
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2023 2022
Description Persentase(%)
Nominal
Percentage (%)
Aset Lancar 68.514.279 59.822.628 8.691.651 14,53
Non-current Asset
Aset Tidak Lancar 14.071.152 13.507.162 563.989 4,18
Current Asset
Jumlah Aset 82.585.431 73.329.790 9.255.641 12,62
Total Assets
Per 31 Desember 2023, Perseroan membukukan As of December 31, 2023, the Company recorded
jumlah aset sebesar Rp82.585.431 juta, mengalami total assets of Rp 82.585.431 million, representing an
peningkatan Rp9.255.641 juta atau 12,62% dibanding increase of Rp 9.255.641 million or 12.62% compared to
tahun 2022 yang sebesar Rp73.329.790 juta. 2022, which amounted to Rp 73.329.790 million. The
Peningkatan jumlah aset Perseroan disebabkan oleh increase in the Company’s total assets was driven by
pertumbuhan aset lancar sebesar 14,53% yang di a 14.53% growth in current assets, supported by loans
topang oleh pinjaman yang diberikan. granted.
Perolehan aset Perseroan dikontribusikan dari aset The Company’s asset acquisition is contributed by
lancar sebesar Rp68.514.279 juta atau setara dengan current assets amounting to Rp 68.514.279 million,
82,96% dari jumlah aset, dan aset tidak lancar sebesar equivalent to 82.96% of total assets, and non-current
Rp14.071.152 juta atau setara dengan 17,04%. assets amounting to Rp 14.071.152 million, equivalent
to 17.04%.
186 Laporan Tahunan 2023 | PT Pegadaian
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Aset Lancar Current Asset
dalam jutaan Rupiah
in million rupiah
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2023 2022
Description Persentase(%)
Nominal
Percentage (%)
Kas dan Setara Kas 263.631 378.750 -115.119 -30,39
Cash and Cash Equivalents
Pinjaman yang Diberikan – Bersih 64.456.296 55.347.852 9.108.444 16,46
Loans - Net
Piutang Lain-lain – Bersih 496.523 837.521 -340.998 -40,72
Other Receivables - Net
Persediaan 508.781 466.876 41.905 8,98
Iventories
Pendapatan yang Masih Harus Diterima 2.264.818 2.379.068 -114.250 -4,80
Accrued Income
Pajak Dibayar di Muka - Lain-lain 45.490 43.812 1.678 3,83
Prepaid Taxes - Others
Beban Dibayar di Muka 63.827 66.228 -2.401 -3,63
Prepaid Expenses
Aset Hak Guna-Bersih 414.913 302.521 112.391 37,15
Right of Use Assets - Net
Jumlah Aset Lancar 68.514.279 59.822.628 8.691.651 14,53
Total Current Assets
Di tahun 2023, Pegadaian membukukan aset lancar In 2023, Pegadaian recorded current assets amounting
sebesar Rp 68.514.279 juta, mengalami peningkatan to Rp 68.514.279 million, representing an increase
Rp 8.691.651 juta atau 14,53% dibanding tahun of Rp 8.691.651 million or 14.53% compared to the
sebelumnya sebesar Rp59.822.628 juta. Hal ini previous year’s amount of Rp 59.822.628 million. This
disebabkan oleh kenaikan pinjaman yang diberikan- increase was due to a net increase in loans granted of
bersih sebesar 16,46%. 16.46%.
Kas dan Setara Kas Cash and Cash Equivalents
dalam jutaan Rupiah
in million rupiah
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2023 2022
Description Persentase(%)
Nominal
Percentage (%)
Kas 61.863 71.324 -9.461 -13,26
Cash on Hand
Kas di Bank 201.768 307.320 -105.552 -34,35
Cash in Bank
Deposito Berjangka - 106 - -
Time Deposits
Kas dan Setara Kas 263.631 378.750 -115.119 30,39
Cash and Cash Equivalents
Kas dan setara kas Perseroan di tahun 2023 tercatat The Company’s cash and cash equivalents in 2023
sebesar Rp 263.631 juta, menurun Rp 115.119 juta atau amounted to Rp 263.631 million, a decrease of Rp
0,30% jika dibandingkan dengan tahun 2022 yang 115.119 million or 0.30% compared to 2022, which
sebesar Rp378.750 juta. Hal tersebut dikarenakan stood at Rp 378.750 million. This was due to effective
pengelolaan kas dan bank yang efektif dan efisien. and efficient cash and bank management.
PT Pegadaian | 2023 Annual Report 187
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Pinjaman yang Diberikan Loans
Hingga akhir tahun 2023, jumlah pinjaman yang As of the end of 2023, the total loans provided by
diberikan Perseroan adalah sebesar Rp 64.456.296 the Company amounted to Rp 64.456.296 million, an
juta, naik Rp9.108.444 juta atau 16,46 % dari tahun increase of Rp 9.108.444 million or 16.46% from 2022,
2022 yang sebesar Rp55.347.852 juta. Peningkatan which stood at Rp 55.347.852 million. The increase
pinjaman yang diberikan utamanya disebabkan in loans provided was primarily due to the growth of
pertumbuhan produk non gadai. Perseroan non-guaranteed products. The Company is committed
berkomitmen untuk tetap fokus pada bisnis gadai, to maintaining its focus on the pawn business while
namun juga meningkatkan portofolio bisnis non gadai. also enhancing its non-pawn business portfolio.
Aset Tidak Lancar Non-Current Asset
dalam jutaan Rupiah
in million rupiah
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2023 2022
Description Persentase(%)
Nominal
Percentage (%)
Penyertaan Langsung 17.384 11.869 5.515 46,47
Direct Participation
Properti Investasi 181.246 180.025 1.221 0,68
Investment Properties
Aset Tetap – Bersih 12.127.278 11.576.765 550.513 4,76
Fixed Assets - Net
Aset tak Berwujud – Bersih 163.133 125.327 37.806 30,17
Intangible Assets – Net
Aset Pajak Tangguhan 1.578.126 1.613.176 -35.050 -2,17
Deferred Tax Assets
Aset Lain-lain 3.985 - 3.985 -
Other Assets
Jumlah Aset Tidak Lancar 14.071.152 13.507.162 563.990 4,18
Total Non-Current Assets
Jumlah aset tidak lancar Perseroan di tahun 2023 The total non-current assets of the Company in 2023
tercatat sebesar Rp14.071.152 juta, meningkat amounted to Rp 14.071.152 million, an increase of Rp
Rp563.990 juta atau 4,18 % dibandingkan dengan 563.990 million or 4.18% compared to 2022, which
tahun 2022 sebesar Rp13.507.162 juta. Hal tersebut stood at Rp 13.507.162 million. This increase was
disebabkan terutama oleh peningkatan Aset Tetap- primarily due to the increase in Net Fixed Assets by
Bersih sebesar Rp550.513 juta atau 4,76%. Rp 550.513 million or 4.76%.
Liabilitas Liabilities
dalam jutaan Rupiah
in million rupiah
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2023 2022
Description Persentase(%)
Nominal
Percentage (%)
Utang kepada Nasabah 242.831 179.994 62.837 34,91
Payables to Customers
Utang Usaha 645.359 587.745 57.614 9,80
Trade Payables
Utang Pajak 447.702 289.945 157.757 54,41
Tax Payables
188 Laporan Tahunan 2023 | PT Pegadaian
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dalam jutaan Rupiah
in million rupiah
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2023 2022
Description Persentase(%)
Nominal
Percentage (%)
Liabilitas Pajak Tangguhan - 4.424 -4.424 -100,00
Deferred Tax Liabilities
Akrual 2.848.250 3.200.367 -352.117 -11,00
Accruals
Pendapatan Diterima di Muka 48.647 54.042 -5.395 -9,98
Unearned Revenues
Liabilitas Lain-lain 745.717 918.749 -173.032 -18,83
Other Liabilities
Pinjaman Bank 35.024.788 25.270.571 9.754.217 38,60
Bank Loans
Surat Berharga yang Diterbitkan 8.198.004 12.291.310 -4.093.306 -33,30
Securities Issued
Pinjaman dari Pemerintah 26.593 372.184 -345.591 -92,85
Loans from Government
Liabilitas Imbalan Kerja 1.720.089 1.740.198 -20.109 -1,16
Employee Benefit Liabilities
Liabilitas Sewa 1.860 1.775 85 4,79
Lease Liabilities
Jumlah Liabilitas 49.949.840 44.911.304 5.038.536 11,22
Total Liabilities
Sampai dengan akhir tahun 2023, jumlah liabilitas Until the end of 2023, the Company’s total liabilities
Perseroan tercatat sebesar Rp49.949.840 juta, amounted to Rp 49.949.840 million, an increase of Rp
mengalami peningkatan Rp5.038.536 juta atau 11,22 5.038.536 million or 11.22% from the previous year’s Rp
% dari tahun sebelumnya sebesar Rp44.911.304 juta. 44.911.304 million. This increase was primarily due to
Peningkatan ini terutama disebabkan oleh kenaikan the rise in bank loans along with the increase in loans
pinjaman bank seiring dengan kenaikan pinjaman disbursed.
yang diberikan.
Komposisi liabilitas Perseroan pada tahun 2023 The composition of the Company’s liabilities in 2023
didominasi oleh liabilitas jangka pendek yang sebesar was dominated by short-term liabilities amounting to
Rp45.705.787 juta atau 91,50% dari jumlah liabilitas Rp45,705,787 million or 91.50% of the total liabilities,
Perseroan, sementara liabilitas jangka panjang sebesar while long-term liabilities amounted to Rp4,244,052
Rp4.244.052 juta atau 8,50% dari jumlah liabilitas. million or 8.50% of the total liabilities.
Liabilitas Jangka Pendek Short-Term Liabilities
dalam jutaan Rupiah
in million rupiah
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2023 2022
Description Persentase(%)
Nominal
Percentage (%)
Pinjaman Bank 35.024.788 25.270.571 9.754.217 38,60
Bank Loans
Pinjaman Obligasi/Sukuk-yang akan Jatuh 5.675.041 9.358.402 -3.683.361 -39,36
Tempo dalam Satu Tahun
Bond Loans - Due Date In A Year
Utang Usaha 645.359 587.745 57.614 9,80
Trade Payables
Utang kepada Nasabah 242.830 179.994 62.836 34,91
Payables to Customers
Utang Pajak 447.702 289.945 157.757 54,41
Tax Payables
PT Pegadaian | 2023 Annual Report 189
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
dalam jutaan Rupiah
in million rupiah
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2023 2022
Description Persentase(%)
Nominal
Percentage (%)
Akrual 2.848.250 3.200.367 -352.117 -11,00
Accrual
Pendapatan Diterima di Muka 48.647 54.042 -5.395 -9,98
Unearned Liabilities
Liabilitas Pajak Tangguhan - 4.424 -4.424 -100,0
Deferred Tax Liabilities
Liabilitas Sewa 1.860 1.775 85 4,79
Lease Liabilities
Pinjaman dari Pemerintah 25.593 95.810 -70.217 -73.29
Loans from Government
Liabilitas Jangka Pendek Lainnya 745.717 918.749 -173.032 -18,83
Amount of short-term liabilities
Jumlah Liabilitas Jangka Pendek 45.705.787 39.961.824 5.743.963 14,37
Total Current Liabilities
Di tahun 2023, jumlah liabilitas pendek Perseroan In 2023, the total current liabilities of the Company
tercatat sebesar Rp45.705.787 juta, meningkat amounted to Rp 45.705.787 million, increasing by Rp
Rp5.743.963 juta atau 14,37% dari tahun 2022 sebesar 5.743.963 million or 14.37% compared to 2022 which
Rp39.961.824 juta. Hal tersebut terutama disebabkan amounted to Rp 39.961.824 million. This increase is
adanya kenaikan pinjaman Bank sebesar Rp9.754.217 primarily due to the rise in bank loans amounting to Rp
juta atau 38,60%, dimana kenaikan pinjaman bank ini 9.754.217 million or 38.60%, where the increase in bank
digunakan untuk penyaluran pinjaman yang diberikan. loans is utilized for the disbursement of loans granted.
Pinjaman Bank Bank Loans
Pinjaman bank tercatat mengalami peningkatan Bank loans recorded an increase of Rp 9.754.217
Rp9.754.217 juta atau 38,6 % dari Rp25.270.571 juta million or 38.6% from Rp 25.270.571 million in 2022
di tahun 2022 menjadi Rp35.024.788 juta pada tahun to Rp 35.024.788 million in 2023. This is due to the
2023. Hal ini disebabkan oleh kenaikan pinjaman yang increase in loans granted, where these bank loans are
diberikan, dimana pinjaman Bank ini digunakan untuk utilized for the disbursement of loans granted.
penyaluran pinjaman yang diberikan
Pinjaman Obligasi/Sukuk Bond/Sukuk Loan
Sepanjang tahun 2023, Pegadaian menerbitkan Throughout 2023, Pegadaian issued Continuing Bonds
Obligasi Berkelanjutan V Tahap III dan IV serta V Phase III and IV as well as Continuing Mudharabah
Sukuk Mudharabah Berkelanjutan II Tahap III dan IV. Sukuk II Phase III and IV. In 2023, the Company also
Pada tahun 2023, Perseroan juga melunasi beberapa redeemed several matured bonds, resulting in the
obligasi yang jatuh tempo sehingga pada posisi akhir total amount of Securities Issued by the Company at
tahun 2023 jumlah Surat Berharga yang Diterbitkan the end of 2023 being Rp 5.675.041 million, a decrease
Perseroan adalah sebesar Rp5.675.041 juta, menurun from the year-end position in 2022 of Rp 9.358.402
dari posisi akhir tahun 2022 sebesar Rp9.358.402. million.
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Liabilitas Jangka Panjang Long-Term Liabilities
dalam jutaan Rupiah
in million rupiah
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2023 2022
Description Persentase(%)
Nominal
Percentage (%)
Pinjaman Obligasi-Setelah Dikurangi 2.522.963 2.932.908 -409.945 -13,98
Bagian yang akan Jatuh Tempo Dalam
Satu Tahun
Bond Loan – After Deducted from the
One Year Due Date Portion
MTN - - - -
MTN
Utang Jangka Panjang kepada 1.000 276.374 -275.374 -99,64
Pemerintah
Long-Term Loans from Government
Liabilitas Imbalan Kerja 1.720.089 1.740.198 -20.109 -1,16
Employee Benefit Liabilities
Liabilitas Pajak Tangguhan - - - -
Deferred Tax Liabilities
Liabilitas Sewa - - - -
Lease Liabilities
Jumlah Liabilitas Jangka Panjang 4.244.052 4.949.480 -705.428 -14,25
Total Long-Term Liabilities
Hingga akhir tahun 2023, liabilitas jangka panjang As of the end of 2023, the long-term liabilities of
Perseroan tercatat sebesar Rp4.244.052 juta, menurun the Company amounted to Rp 4.244.052 million,
Rp705.428 juta atau 14,25% dari tahun 2022 sebesar decreased by Rp 705.428 million or 14.25% from
Rp4.949.480 juta. Hal tersebut disebabkan adanya 2022 which amounted to Rp 4.949.480 million. This
terdapat hutang jangka panjang akan jatuh tempo decrease is attributed to the presence of long-term
dalam kurung waktu 1 tahun dan menjadi bagian dari debts dues within one year and becoming part of the
jangka pendek. current liabilities.
Ekuitas Equity
dalam jutaan Rupiah
in million rupiah
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2023 2022
Description Persentase(%)
Nominal
Percentage (%)
Modal Saham 6.250.000 6.250.000 0 0
Share Capital
Cadangan Revaluasi Aset 7.699.743 7.782.152 -82.409 -1,06
Asset Revaluation Reserves
Pengukuran Kembali Imbalan Pasca (824.656) (658.661) -165.995 25,20
Kerja
Remeasurement of Post-Employment
Benefit
Saldo Laba yang Telah Dicadangkan 14.785.543 11.487.231 3.298.312 28,71
Appropiated Retained Earnings
Saldo Laba yang Belum Dicadangkan 4.721.438 3.554.555 1.166.883 32,83
Unappropriated Retained Earnings
Kepentingan Non-pengendali 3.523 3.209 314 9,78
Non-Controlling Interests
Ekuitas 32.635.591 28.418.486 4.217.105 14,84
Equity
PT Pegadaian | 2023 Annual Report 191
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Per 31 Desember 2023, jumlah ekuitas Perseroan As of December 31, 2023, the equity of the Company
mengalami peningkatan Rp4.217.105 juta atau increased by Rp 4.217.105 million or 14.84% from Rp
14,84% dari Rp28.418.486 juta di tahun 2022 menjadi 28.418.486 million in 2022 to Rp32.635.591 million
Rp32.635.591 juta di tahun 2023. Peningkatan ekuitas in 2023. The increase in equity is mainly due to the
terutama disebabkan oleh kenaikan saldo laba increase in retained earnings and undistributed net
yang telah dicadangkan dan saldo laba yang belum income for the current year.
dicadangkan atas laba bersih tahun berjalan.
Laba (Rugi) dan Penghasilan Consolidated Profit (Loss) and Other
Komprehensif Lainnya Konsolidasian Comprehensive Income
dalam jutaan Rupiah
in million rupiah
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2023 2022
Description Persentase(%)
Nominal
Percentage (%)
Pendapatan Usaha
Operating Revenues
Pendapatan Sewa Modal dan 15.987.067 14.362.644 1.624.423 11,31
Administrasi
Interest and Administration Revenues
Pendapatan Penjualan Emas 7.982.336 8.175.457 -193.121 -2,36
Revenue from Gold Sold
Pendapatan Usaha Lainnya 464.391 338.486 125.905 37,20
Other Operating Revenues
Jumlah Pendapatan Usaha 24.433.794 22.876.587 1.557.207 6,81
Total Operating Revenues
Beban Usaha
Operating Expenses
Beban Harga Pokok Penjualan Emas 7.663.203 7.898.383 -235.180 -2,98
Cost of Revenue from Gold Sold
Beban Pegawai 4.632.772 4.531.692 101.080 2,23
Employee Expense
Beban Bunga dan Bagi Hasil 2.426.111 1.695.144 730.967 43,12
Interest and Profit-sharing Expense
Beban Administrasi dan Umum 3.703.513 3.764.004 -60.491 -1,61
Administration and General Expense
Beban Pemasaran 189.547 167.245 22.302 13,33
Marketing Expense
Cadangan Kerugian Penurunan Nilai 132.788 494.814 -362.026 -73,16
Allowances for Impairment Losses
Jumlah Beban Usaha 18.747.934 18.551.282 196.652 1,06
Total Operating Expenses
Laba Usaha 5.685.860 4.325.305 1.360.555 31,46
Operating Revenues
Pendapatan Lain-lain – Bersih 15.156 3.899 11.257 288,72
Other Income - Net
Laba Sebelum Pajak Penghasilan 5.701.016 4.329.204 1.371.812 31,69
Profit before Income Tax
Beban Pajak Penghasilan (1.324.339) (1.030.259) -294.080 28,54
Income Tax Expense
Laba Tahun Berjalan dari Operasi yang 4.376.677 3.298.945 1.077.732 32,67
Dilanjutkan
Profit For the Year from Continuing
Operations
(Rugi)/Laba Tahun Berjalan dari - - - -
Operasi yang Dihentikan
(Loss)/Profit for the Year from the
Discontinued Operations
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dalam jutaan Rupiah
in million rupiah
Pertumbuhan (Penurunan)
Uraian Increase (Decrease)
2023 2022
Description Persentase(%)
Nominal
Percentage (%)
Laba Bersih Tahun Berjalan 4.376.677 3.298.945 1.077.732 32,67
Net Profit for the Year
Penghasilan Komprehensif Lain:
Other Comprehensive Income:
Pos-pos yang Tidak Akan Direklasifikasi
ke Laba Rugi:
Items that Will Not be Reclassified to
Profit or Loss:
Pengukuran Kembali Imbalan Pasca (212.810) 185.509 -398.319 -214,72
Kerja
Remeasurement of Post-employment
Benefits
Keuntungan Revaluasi Tanah dan 6.774 186.622 -179.848 -96,37
Bangunan
Gains on Revaluation of Land and
Buildings
Efek Pajak Terkait 46.815 (55.016) 101.831 -185,09
Related Tax Effect
Penghasilan Komprehensif Lain Tahun (159.221) 317.115 -476.336 -150,21
Berjalan, Setelah Pajak
Other Comprehensive Income for The
Current Year, Net of Tax
Jumlah Penghasilan Komprehensif 4.217.456 3.616.060 601.396 16,63
Tahun Berjalan
Total Comprehensive Income for The
Current Year
Laba Bersih Tahun Berjalan yang
Diatribusikan kepada:
Income for the Current Year Income
Attributable to:
Pemilik Entitas Induk 4.376.012 3.298.312 1.077.700 32,67
Owners of the Parent Entity
Kepentingan Non-pengendali 665 633 32 5,06
Non-Controlling Interests
Sub Total 4.378.677 3.298.945 1.079.732 32,73
Subtotal
Jumlah Penghasilan Komprehensif yang
Dapat Diatribusikan kepada:
Total Comprehensive Income
Attributable to:
Pemilik Entitas Induk 4.216.791 3.615.427 601.364 16,63
Owners of the Parent Entity
Kepentingan Non-pengendali 665 633 32 5,06
Non-Controlling Interests
Sub Total 4.217.456 3.616.060 601.396 16,63
Subtotal
Laba Bersih per Saham Dasar yang
dapat Diatribusikan Kepada Pemilik
Entitas Induk (dalam Rupiah Penuh)
Earnings Per Share Attributable to
Owner of Parent Entity (In Full Rupiah)
Dasar/Dilusian 700.160 527.730 172.430 32,67
Basic/Diluted
Total 700.160 527.730 172.430 32,67
Total
PT Pegadaian | 2023 Annual Report 193
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Analisis dan Pembahasan Manajemen Management & Discussion Analysis Pendapatan Usaha Operating Revenue Di tahun 2023, Perseroan membukukan pendapatan In 2023, the Company recorded operating revenue usaha sebesar Rp24.433.794 juta, meningkat of Rp 24.433.794 million, an increase of Rp 1.557.207 Rp1.557.207 juta atau 6,81% dari tahun 2022 yang million or 6.81% from 2022, which amounted to sebesar Rp22.876.587 juta. Kontribusi utama Rp 22.876.587 million. The main contribution to Pendapatan usaha Perseroan tahun 2023 masih the Company’s operating revenue in 2023 is still didominasi Pendapatan sewa modal dan administrasi dominated by rental and administrative fee income, yang mengalami kenaikan sebesar Rp1.624.423 juta which increased by Rp 1.624.423 billion or grew by atau tumbuh 11,31% 11.31%. Beban Usaha Operating Expenses Beban usaha di tahun 2023 tercatat mengalami In 2023, operating expenses increased by Rp 196.652 peningkatan sebesar Rp196.652 juta atau 1,06% dari million or 1.06% from Rp 18.551.282 million in 2022 to sebesar Rp18.551.282 juta di tahun 2022 menjadi Rp 18.747.934 million in 2023. The main increase in sebesar Rp18.747.934 juta di tahun 2023. Peningkatan operating expenses was due to the increase in interest beban usaha utamanya disebabkan oleh meningkatnya and profit-sharing expenses by Rp 730.967 million or a beban bunga dan bagi hasil sebesar Rp730.967 juta growth of 43.12% due to the increased working capital atau tumbuh 43,12% karena peningkatan kebutuhan needed for loan disbursement. modal kerja yang digunakan untuk penyaluran pinjaman. Laba Usaha Operating Profit Laba usaha Perseroan tahun 2023 tumbuh 31,46% The Company’s operating profit in 2023 grew by atau sebesar Rp1.360.555 juta menjadi Rp5.685.860 31.46% or Rp 1.360.555 million to Rp 5.685.860 million juta dari tahun sebelumnya sebesar Rp4.325.305 juta. from the previous year’s Rp 4.325.305 million. The Peningkatan Laba Usaha disebabkan oleh marginal increase in operating profit was due to the marginal revenue (MR) lebih besar dari marginal cost (MC), revenue (MR) being greater than the marginal cost sehingga kinerja laba usaha menghasilkan kinerja yang (MC), resulting in positive and growing operating positif dan tumbuh. profit performance. Pendapatan Lain-lain Other Income Jumlah pendapatan lain-lain adalah sebesar Rp15.156 The total other income amounted to Rp 15.156 million juta di tahun 2023, naik Rp11.257 juta atau 288,72% in 2023, up Rp 11.257 million or 288.72% compared to dibanding tahun sebelumnya sebesar Rp3.899 the previous year’s Rp 3.899 million. This increase is juta.Peningkatan ini antara lain disebabkan oleh primarily due to income from fines and profits from pendapatan denda dan laba penjualan kendaraan the sale of motor vehicles. bermotor. Laba Sebelum Pajak Penghasilan Profit Before Income Tax Pegadaian membukukan laba sebelum pajak Pegadaian recorded a profit before income tax of Rp penghasilan sebesar Rp5.701.016 juta di tahun 2023, 5.701.016 million in 2023, an increase of Rp 1.371.872 meningkat Rp1.371.872 juta atau 31,69 % dari tahun million or 31.69% from 2022 which was Rp 4.329.204 2022 yang sebesar Rp4.329.204 juta. Peningkatan million. The increase in Profit before Income Tax is in Laba Sebelum Pajak seiring dengan peningkatan line with the improvement in business performance kinerja bisnis dan kinerja laba usaha. and operating profit. Beban Pajak Penghasilan Income Tax Expenses Di tahun 2023, beban pajak penghasilan Perseroan In 2023, the Company’s income tax expense increased tercatat mengalami kenaikan sebesar Rp294.080 by Rp 294.080 million or 28.54% from Rp 1.030.259 194 Laporan Tahunan 2023 | PT Pegadaian
Page 195
juta atau 28,54 % dari Rp1.030.259 juta di tahun million in 2022 to Rp 1.324.339 million. This is in line
2022 menjadi Rp1.324.339 juta. Hal ini seiring dengan with the increase in Profit Before Tax.
kenaikan Laba sebelum pajak.
Laba Bersih Periode Berjalan Net Profit for the Current Period
Per 31 Desember 2023, Perseroan membukukan laba As of December 31, 2023, the Company recorded a net
bersih periode berjalan sebesar Rp4.376.677 juta, profit for the current period of Rp 4.376.677 million,
mengalami peningkatan Rp1.077.732 juta atau 32,67 % representing an increase of Rp 1.077.732 million or
dibanding tahun 2022 yang sebesar Rp3.289.945 juta. 32.67% compared to Rp 3.289.945 million in 2022.
Penghasilan Komprehensif Comprehensive Income
Penghasilan komprehensif Pegadaian di tahun 2023 Comprehensive income for Pegadaian in 2023
adalah sebesar Rp (159.221) juta, turun Rp (476.336) amounted to Rp (159.221) million, a decrease of
juta atau -150,21 % dari tahun 2022 sebesar Rp317.11 Rp (476.336) million or -150.21% compared to Rp
juta. Hal ini antara lain karena adanya pengukuran 317.11 million in 2022. This was primarily due to
kembali imbalan pasca kerja di tahun 2023 sebesar Rp the remeasurement of post-employment benefits
(212.810) juta di tahun 2023.. amounting to Rp (212.810) million in 2023.
Laba Komprehensif Tahun Berjalan Comprehensive Income for the Current Year
Di tahun 2023, laba komprehensif tahun berjalan Comprehensive income for the current year in 2023
tercatat sebesar Rp4.217.456 juta, mengalami amounted to Rp 4.217.456 million, showing an increase
peningkatan Rp601.396 juta atau 16,63% dari tahun of Rp 601.396 million or 16.63% compared to the
sebelumnya Rp3.616.060 juta. previous year’s Rp 3.616.060 million.
Laba per Saham Dasar Basic Earnings Per Share
Jumlah laba per saham Perseroan mengalami The basic earnings per share of the Company increased
peningkatan sebesar Rp172.430 atau 32,67 % dari by Rp 172.430 or 32.67% from Rp 527.730 in 2022 to
Rp527.730 di tahun 2022 menjadi Rp700.160 di tahun Rp 700.160 in 2023. This increase is attributed to the
2023. Peningkatan tersebut disebabkan oleh seiring rise in net income for the current year.
dengan peningkatan laba bersih tahun berjalan.
Arus Kas Konsolidasian Consolidated Cash Flow
dalam jutaan Rupiah
in million rupiah
Pertumbuhan (Penurunan)
Uraian Growth (Decline)
2023 2022
Description Persentase(%)
Nominal
Percentage (%)
Arus Kas dari Aktivitas Operasi (4.300.050) (1.699.964) -2.600.086 152,94
Cash Flow from Operating Activities
Arus Kas dari Aktivitas Investasi (1.123.229) (1.537.866) 414.637 -26,96
Cash Flow from Investing Activities
Arus Kas dari Aktivitas Pendanaan 5.308.160 3.178.007 2.130.153 67,03
Cash flow From Financing Activities
Kenaikan/Penurunan Kas dan Setara Kas (115.119) (59.823) -55.296 92,43
Increase/Decrease in Cash and Cash
Equivalents
Kas dan Setara Kas Awal Tahun 378.750 438.573 (59.823) -13,64
Cash and Cash Equivalents at the
Beginning of the Year
Kas dan Setara Kas Akhir Tahun 263.631 378.750 (115.119) -30,39
Cash and Cash Equivalents at the End of
Year
PT Pegadaian | 2023 Annual Report 195
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Per 31 Desember 2023, jumlah kas dan setara kas As of December 31, 2023, the Company’s cash and
Perseroan mengalami penurunan Rp115.119 juta atau cash equivalents decreased by Rp 115.119 million or
30,39% dari Rp378.750 juta di tahun 2022 menjadi 30.39% from Rp 378.750 million in 2022 to Rp 263.631
Rp263.631 juta. Penurunan kas dan setara kas terutama million. The decline in cash and cash equivalents is
disebabkan oleh penyaluran pinjaman yang diberikan primarily due to higher loan disbursements compared
lebih tinggi jika dibandingkan pada tahun 2022. to 2022.
Arus Kas Bersih Diperoleh dari Aktivitas Net Cash Flows from Operating Activities
Operasi
Kas bersih yang diperoleh dari aktivitas operasi tahun The net cash obtained from operating activities
2023 tercatat sebesar minus Rp4.300.005 juta. Arus in 2023 amounted to minus Rp 4.300.005 million.
kas masuk diperoleh dari pelunasan pinjaman yang Cash inflows were generated from loan repayments,
diberikan, penerimaan pendapatan sewa modal dan receipts from lease and administrative fees, and other
administrasi, dan pendapatan usaha lainnya dengan operating income totaling Rp 213.606.741 million,
total sebesar Rp213.606.741 juta sedangkan arus kas while cash outflows were used for loan disbursements,
keluar digunakan untuk penyaluran pinjaman yang interest payments, employee expenses, operating
diberikan, pembayaran bunga, beban pegawai, beban expenses, and income tax payments totaling Rp
usaha dan pembayaran pajak penghasilan dengan 217.906.746 million.
total sebesar Rp217.906.746 juta.
Arus Kas Bersih Diperoleh dari Aktivitas Net Cash Flow Used for Investing
Investasi Activities
Arus kas digunakan untuk aktivitas investasi di tahun The net cash used for investment activities in 2023
2023 tercatat sebesar Rp1.123.229 juta yang terdiri dari amounted to Rp 1.123.229 million, consisting of the
Pembelian aset tak berwujud sebesar Rp 89.136 juta purchase of intangible assets amounting to Rp 89.136
dan pembelian aset tetap sebesar Rp1.034.093 juta. million and the purchase of fixed assets amounting to
Rp 1.034.093 million.
Arus Kas Bersih Diperoleh dari Aktivitas Net Cash Flow from Financing Activities
Pendanaan
Kas bersih diperoleh dari aktivitas pendanaan di The net cash obtained from financing activities in
tahun 2023 tercatat sebesar Rp5.308.160 juta. Arus 2023 amounted to Rp 5.308.160 million. Cash inflows
kas masuk diperoleh dari pinjaman bank dan surat were generated from bank loans and issued securities
berharga yang diterbitkan dengan total sebesar totaling Rp 309.107.461 million, while cash outflows
Rp309.107.461 juta, sedangkan arus kas keluar were used for bank loan repayments, redemption
digunakan untuk angsuran pinjaman bank, pelunasan of issued securities, bond issuance expenses, and
surat berharga yang diterbitkan, pembayaran emisi government loan repayments totaling Rp 303.799.300
obligasi dan pelunasan pinjaman pemerintah dengan million.
total sebesar Rp303.799.300 juta.
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Rasio Keuangan Utama Main Financial Ratio
Uraian
2023 2022
Description
Rasio Keuangan
Financial Ratio
Return on Asset (ROA) 5,60% 4,80%
Return on Equity (ROE) 14,33% 12,13%
Beban Operasional Pendapatan Operasional (BOPO) 66,10% 71,12%
Operating Expenses to Operating Income (BOPO)
Rasio Laba Bersih terhadap Pendapatan Usaha 17,91% 14,42%
Net Profit to Operating Revenue Ratio
Rasio Lancar 149,90% 149,70%
Current Ratio
Rasio Aset terhadap Liabilitas 165,34% 163,28%
Asset to Liabilities Ratio
Rasio Kas 0,58% 0,95%
Cash Ratio
Rasio Liabilitas terhadap Ekuitas (x) 1,53 1,58
Liabilities to Equity Ratio (x)
Rasio Liabilitas terhadap Aset (x) 0,60 0,61
Liabilities to Asset Ratio (x)
Kemampuan Membayar Bunga (x) 3,35 3,55
Ability to Pay Interest (x)
Aset 12,62% 11,48%
Asset
Pendapatan Usaha 6,81% 10,84%
Operating Revenue
Beban Usaha 1,06% 6,60%
Operating Expenses
Laba Usaha 31,46% 33,63%
Operating Profit
Laba Bersih 32,67% 35,89%
Net Profit
Pinjaman yang Diberikan (Omzet) 14,15% 9,81%
Loans (Turnover)
Rasio Produktivitas (Rp Juta)
Productivity Ratio (Rp million)
Omzet Per Pegawai 15.179 13.881
Turnover per Employee
Laba Bersih Per Pegawai 324 255
Net Profit per Employee
PT Pegadaian | 2023 Annual Report 197
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Kemampuan Membayar Utang
Ability to Pay Debt
Perseroan mengukur kemampuannya dalam membayar The Company’s ability to pay debts is reflected in
utang melalui rasio likuiditas dan rasio solvabilitas. the liquidity ratio and solvency ratio. With regard to
Berkenaan dengan obligasi yang diterbitkan, bonds issued, the ability to pay debts is reflected in
kemampuan membayar utang tercermin dari lancarnya the smooth interest payments and bond ratings.
pembayaran bunga dan pemeringkatan obligasi.
Kemampuan Membayar Utang Jangka Ability to Pay Short-Term Debt
Pendek
Rasio likuiditas digunakan untuk mengukur Liquidity ratios are used to measure the Company’s
kemampuan Perseroan dalam memenuhi kewajiban ability to meet short-term obligations through the
jangka pendek melalui rasio kas dan rasio lancar. Rasio cash ratio and current ratio. The cash ratio compares
kas merupakan perbandingan antara kas dan setara cash and cash equivalents to current liabilities, while
kas dengan liabilitas jangka pendek, sementara rasio the current ratio compares current assets to current
lancar merupakan perbandingan antara aset lancar liabilities.
dengan liabilitas jangka pendek.
dalam kali (x)
in times (x)
Pertumbuhan
Uraian
2023 2022 (Penurunan)
Description
Growth (Decline)
Rasio Kas 0,58 0,95 (0,37)
Cash Ratio
Rasio Lancar 149,9 149,70 0,2
Current Ratio
Di tahun 2023, rasio kas dan rasio lancar Perseroan In 2023, the Company’s cash ratio and current ratio
masing-masing sebesar 0,58% dan 149,9%. were 0.58% and 149.9%, respectively. Based on the
Berdasarkan besarnya rasio lancar, menggambarkan current ratio, it indicates that the Company’s ability to
kemampuan Perseroan dalam membayar hutang pay current liabilities in 2023 was very good.
jangka pendek di tahun 2023 masih sangat baik.
Kemampuan Membayar Utang Jangka Ability to Pay Long-Term Debts
Panjang
Perseroan menggunakan rasio solvabilitas untuk The company uses solvency ratios to measure its ability
mengukur kemampuannya dalam memenuhi seluruh to meet all short-term and long-term obligations. The
kewajiban jangka pendek maupun jangka panjang. solvency of the Company can be measured through
Solvabilitas Perseroan dapat diukur melalui rasio debt-to-equity ratio (DER) and debt-to-assets ratio
utang terhadap ekuitas (DER) dan aset (DAR), serta (DAR), as well as equity ratio to total assets ratio.
rasio ekuitas terhadap jumlah aset.
dalam %
in %
Pertumbuhan
Uraian
2023 2022 (Penurunan)
Description
Growth (Decline)
Rasio Liabilitas terhadap Ekuitas 1,53 1,58 (0,05)
Debt-to-Equity Ratio (DER)
Rasio Liabilitas terhadap Aset 0,60 0,61 (0,01)
Debt-to-Asset Ratio (DAR)
Rasio Ekuitas terhadap Aset 0,40 0,39 0,01
Equity to Assets Ratio
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Pada tahun 2023, rasio liabilitas terhadap ekuitas In 2023, the Company’s debt-to-equity ratio (DER) was
Perseroan adalah 1,53x, rasio liabilitas terhadap 1.53x, the debt-to-assets ratio (DAR) was 0.60xand the
aset sebesar 0,60x, dan rasio ekuitas terhadap aset equity ratio to total assets ratio was 0.40x. The total
sebesar 0,40x. Total utang yang dimiliki Perseroan debt held by the Company can still be covered by all
masih dapat tertutup oleh seluruh aset yang dimiliki. the assets it owns. This indicates that the Company’s
Hal ini menggambarkan bahwa solvabilitas Perseroan solvency is in good condition.
dalam kondisi baik.
Kolektibilitas Piutang Receivables Collectibility
Berikut disajikan tingkat kolektibilitas piutang Here is presented the level of the Company’s accounts
Perseroan dengan perhitungan rasio yang relevan: receivable collectability with relevant ratio calculation:
dalam jutaan Rupiah, kecuali dinyatakan lain
in million rupiah, unless stated otherwise
Kategori Kolektibilitas
2023 2022
Collectability Category
Lancar 63.188.452 55.889.835
Current
Dalam Perhatian Khusus 3.532.824 2.186.519
Special Mention
Kurang Lancar 92.947 87.617
Substandard
Diragukan 95.138 89.669
Doubtful
Macet 382.300 532.299
Impeding
Total Pinjaman Diberikan 67.291.661 58.785.939
Total Loan
Non-Performing Loan (NPL) 570.385 709.585
Tingkat Kolektibilitas Piutang (%) 0,85%. 1,21%
Accounts Receivable Rate (%)
Untuk memitigasi peningkatan kolektibilitas piutang, To mitigate the increase in accounts receivable
setiap tahapan proses pemberian kredit harus collectability, each stage of the credit granting process
dilaksanakan dengan menerapkan prinsip kehati- must be conducted by applying the principle of
hatian dimulai dari awal penyaluran kredit (front prudence from the beginning of credit disbursement
end), pasca pencairan kredit (middle end), hingga (front end), post-disbursement (middle end), to credit
penyelesaian kredit (back end) sebagaimana tertuang settlement (back end) as outlined in Pegadaian’s
pada Kebijakan Perkreditan Pegadaian sebagai Credit Policy as follows:
berikut:
1. Tahapan Penyaluran Kredit (Front End), meliputi 1. Credit Disbursement Stage (Front End), including
proses Pengajuan Kredit, Pre Screening (internal the Credit Application process, Pre-Screening
dan eksternal), Analisa Kredit, dan jika memenuhi (internal and external), Credit Analysis, and if meets
persyaratan diajukan Persetujuan Kredit the requirements, Credit Approval is requested.
2. Tahapan Pasca Pencairan Kredit (Middle End), 2. Post-Disbursement Stage (Middle End), involving
meliputi proses setelah kredit tersebut dicairkan, processes after the credit is disbursed, generally
secara garis besar memiliki proses Manajemen encompassing Credit Portfolio Management and
Portofolio Kredit dan Monitoring & Review Monitoring & Review of credit controls.
pengendalian kredit
3. Tahapan Penyelesaian Kredit (Back End), 3. Credit Settlement Stage (Back End), covering
meliputi Penagihan (Collection) hingga Strategi Collection processes up to the Troubled Credit
Penyelesaian Kredit Bermasalah Settlement Strategy.
PT Pegadaian | 2023 Annual Report 199
Page 200
Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Struktur Modal dan
Kebijakan Struktur Modal
Capital Structure and Capital Structure Policy
Pegadaian senantiasa menjaga struktur modal agar Pegadaian consistently maintains its capital structure
tetap opimal dalam rangka menunjang pengembangan to remain optimal in supporting the Company’s
usaha Perseroan. Untuk menjaga tingkat biaya dana business development. To maintain the cost of funds
pada level yang efisien, Perseroan memadukan modal at an efficient level, the Company combines equity
sendiri (ekuitas) dan utang (liabilitas) sebagai struktur and debt as its capital structure.
modalnya.
Rincian Struktur Modal Details of Capital Structure
Pada tahun 2023, komposisi struktur modal Perseroan In 2023, the composition of the Company’s capital
terdiri dari liabilitas sebesar 60.48% dan ekuitas structure consisted of liabilities amounting to 60.48%
sebesar 39,52%, di mana komposisi ini mengalami and equity amounting to 39.52%, showing a change
perubahan dari tahun 2022 yaitu 61,25% Liabilities from 2022 where liabilities were 61.25% and equity
sedangkan equitas 38,75%. Adapun rincian struktur was 38.75%. The breakdown of the Company’s capital
modal Perseroan dapat dilihat sebagai berikut: structure is as follows:
dalam jutaan Rupiah, kecuali dinyatakan lain
in million rupiah, unless stated otherwise
Pertumbuhan (Penurunan)
2023 2022
Increase (Decrease)
Uraian Kontribusi Kontribusi Persentase
Description (%) (%) (%)
Nominal Nominal Nominal
Contribution Contribution Percentage
(%) (%) (%)
Liabilitas Jangka Pendek 45.705.787 55,34% 39.961.825 54,50 5.743.963 14,37)
Current Liabilities
Liabilitas Jangka Panjang 4.244.053 5,14% 4.949.480 6,75 -705.427 14,25
Long-Term Liabilities
Jumlah Liabilitas 49.949.840 60,48 44.911.304 61,25 5.038.536 11,22
Total Liabilities
Jumlah Ekuitas 32.635.591 39,52 28.418.486 38,75 4.217.105 14,84
Total Equity
Jumlah Liabilitas dan 82.585.431 100,00 73.329.790 100,00 9.255.641 12,62
Ekuitas
Total Liabilities and Equity
Kebijakan Manajemen atas Struktur Management Policy on Capital
Modal Structure
Dalam rangka menjaga struktur modal agar tetap In order to maintain the capital structure at an optimal
berada pada posisi yang optimal guna menunjang position to support business development and ensure
pengembangan usaha dan tetap menjaga tingkat the cost of funds remains efficient, the company
biaya dana pada level yang efisien, maka Perseroan strives to combine equity and debt.
berupaya untuk memadukan modal sendiri (ekuitas)
dan utang (liabilitas)
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Dasar Pemilihan Kebijakan Basis for Selecting Management
Manajemen atas Struktur Modal Policy on Capital Structure
Kebijakan manajemen atas struktur modal ditujukan The management policy on capital structure aims to
untuk memastikan kelangsungan usaha Perseroan ensure the sustainability of the Company’s operations
dengan menitikberatkan penggunaan liabilitas sebagai by emphasizing the use of liabilities as its source of
sumber modalnya. Pada tahun 2023, struktur modal capital. In 2023, the Company’s capital structure was
Perseroan masih didominasi oleh liabilitas. Oleh karena still dominated by liabilities. Therefore, Pegadaian
itu, Pegadaian melakukan pengembangan usaha pursued business development by implementing a
dengan melakukan kebijakan struktur modal dengan capital structure policy with an increase in liabilities
penambahan liabilitas sebesar Rp5.038.536 juta dan amounting to Rp 5.038.536 million and an increase in
penambahan ekuitas sebesar Rp4.217.105 juta. equity amounting to Rp 4.217.105 million.
Ikatan Material untuk Investasi Barang Material Commitments for Capital
Modal Goods Investment
Sepanjang tahun 2023, Pegadaian tidak memiliki Throughout the year 2023, Pegadaian did not have
ikatan yang bersifat material dengan pihak manapun any material commitments with any party related to
terkait investasi barang modal. capital expenditures.
Realisasi Investasi Barang Modal Realization of Capital Goods
Investment
Perseroan meyakini bahwa investasi merupakan salah The Company believes that investment is crucial
satu hal yang penting untuk mengembangkan kegiatan for developing its business activities. The capital
usahanya. Investasi barang modal yang Perseroan expenditures made by the Company involve the
dilakukan melalui pembelian sejumlah aset maupun purchase of various assets and improvements to
perbaikan terhadap aset sehingga dapat memberikan existing assets, aiming to provide added value in the
nilai tambah di kemudian hari. Adapun realisasi future. The realization of capital goods investment
investasi barang modal yang dilakukan Perseroan made by the Company throughout the year 2023 is
sepanjang tahun 2023 adalah sebagai berikut: as follows:
Jenis Investasi Nilai Investasi
Type of Investment Value of Investment
Bangunan 466.586.823.372
Building
Inventaris 62.779.109.389
Inventory
Inventaris Infrastruktur TI 138.891.431.250
IT Infrastructure Inventory
Hak Lisensi TI 87.704.491.357
IT License Right
Jumlah 755.961.855.368
Total
Informasi dan Fakta Material yang Information and Material Facts After
Terjadi Setelah Tanggal Laporan the Accountant’s Report Date
Akuntan
Di tahun 2023, tidak terdapat ada informasi dan fakta In the year 2023, there were no material information or
material yang terjadi setelah tanggal laporan akuntan. facts that occurred after the accountant’s report date.
Dengan demikian, informasi tersebut tidak dapat Therefore, such information cannot be provided.
disampaikan.
PT Pegadaian | 2023 Annual Report 201
Page 202
Analisis dan Pembahasan Manajemen Management & Discussion Analysis Prospek Usaha Business Prospect Gambaran Umum Kondisi Overview of Economic Conditions in Perekonomian Tahun 2024 2024 Perekonomian global diprediksi akan terus mengalami The global economy is predicted to continue perlambatan akibat masih terdapatnya risiko experiencing a slowdown due to ongoing geopolitical peningkatan tensi geopolitik di Eropa Timur dan Timur tensions in Eastern Europe and the Middle East. The Tengah. Dampaknya masih sangat dirasakan oleh impact is still widely felt by various countries, where berbagai negara dimana tingkat inflasi masih belum inflation rates have not yet reached the predicted mencapai angka yang diharapkan. Namun, Pemerintah levels. However, the Government of the Republic of Republik Indonesia melalui berbagai kebijakan yang Indonesia through various policies has been able mampu memberikan hasil lebih baik pada beberapa to achieve better results in several macroeconomic indikator ekonomi makro dibandingkan beberapa indicators compared to some other countries, such as negara lain seperti pertumbuhan ekonomi dan inflasi. economic growth and inflation. Semangat Pemerintah untuk memastikan The government’s commitment to ensuring economic keberlangsungan pertumbuhan ekonomi di tengah growth amid global uncertainty serves as an example ketidakpastian global tersebut menjadi contoh of how seizing opportunities amidst challenges should bagaimana pemanfaatan peluang di tengah tantangan be done, including by PT Pegadaian. Furthermore, the harus dilakukan tanpa terkecuali oleh PT Pegadaian. determination to remain relevant to the developments Bahkan, semangat untuk terus relevan dengan and dynamics of the external environment has driven perkembangan dan dinamika lingkungan eksternal the government to advocate for the National Long- mendorong pemerintah mengusung Rencana Term Development Plan through the vision of Indonesia Pembangunan Jangka Panjang Nasional melalui visi Emas 2045. As an initial step towards Indonesia Emas Indonesia Emas 2045. Sebagai tahap awal sebelum 2045, the government projects economic growth masuk ke dalam fase menuju Indonesia Emas 2045, in 2024 to reach 5.2 percent. This assumption takes pemerintah menyampaikan proyeksi pertumbuhan into account various global and national economic ekonomi tahun 2024 berada di level 5,2 persen. dynamics, uncertainties, the level of adaptation of all Asumsi tersebut tentunya telah mempertimbangkan industrial sectors in responding to economic changes, berbagai dinamika ekonomi global dan nasional, risiko and the ongoing development agenda. ketidakpastian, dan juga tingkat adaptasi seluruh sektor industri dalam merespon perubahan kondisi ekonomi, serta agenda pembangunan yang masih harus terus berjalan. Disamping itu, dengan optimalisasi pemanfaatan Additionally, the optimization of synergies within the sinergi holding Ultra Mikro yang meliputi 3 entitas Ultra Mikro holding, which includes 3 entities (BRI, (BRI, Pegadaian dan PNM) semakin memperkuat Pegadaian, and PNM), is further strengthening the kinerja bisnis dan keuangan masing-masing entitas business and financial performance of each entity. sehingga tahun 2024 menjadi momentum terbaik Therefore, 2024 presents the best opportunity bagi perusahaan untuk bertransformasi lebih baik for the company to transform for the better and dan tetap relevan dengan perkembangan lingkungan remain relevant to the external environment. The eksternal. Lanskap industri keuangan yang semakin expanding financial industry landscape, coupled luas dengan adanya Pengembangan dan Penguatan with the Development and Strengthening of the Sektor Keuangan (P2SK) merupakan peluang bagi Financial Sector (P2SK), provides an opportunity for perusahaan untuk mengakselerasi pertumbuhan the company to accelerate business and financial kinerja bisnis dan keuangan perusahaan melalui performance growth through the development of pengembangan kapabilitas dan segmen bisnis baru. capabilities and new business segments. 202 Laporan Tahunan 2023 | PT Pegadaian
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Sasaran dan Strategi Perusahaan Company’s Objectives and Strategic
terkait Prospek Usaha di Tahun 2024 Related to Business Prospects in 2024
Dalam menghadapi setiap tantangan dan meraih In facing every challenge and seizing available
peluang yang ada, Perseroan telah menetapkan opportunities, the company has established a vision,
visi, misi, dan menyusun strategi jangka panjang mission, and formulated long-term strategies outlined
yang dituangkan dalam Rencana Jangka Panjang in the Company’s Long-Term Plan (RJPP). To support
Perusahaan (RJPP). Untuk mendukung pencapaian visi the achievement of the company’s vision, 2024 enters
Perseroan, di tahun 2024 memasuki fase ‘Pursue’ yaitu the “Pursue” phase, which involves strengthening
memperkuat core business, memperluas kapasitas core business, expanding business capacity, and
bisnis, dan mengembangkan new revenue stream baru. developing new revenue streams. To support this
Untuk mendukung kondisi tersebut, tema RKAP tahun condition, the theme of the 2024 RKAP is: “GOING
2024 adalah : “GOING BEYOND: Maximizing Financial BEYOND: Maximizing Financial Ecosystem & Establish
Ecosystem & Establish New Business Capabilities” New Business Capabilities.”
Fokus Inisiatif Strategis Bisnis Strategic Business Initiatives Focus
Perusahaan
Pada penyusunan RKAP 2024, penentuan program In the formulation of the 2024 RKAP, the validation
kerja pada setiap Direktorat/Divisi telah dilakukan and integration of work programs in each Directorate/
validasi dan integrasi kesesuaiannya dengan inisiatif Division have been carried out to ensure their
strategis Rencana Jangka Panjang Perusahaan (RJPP) alignment with the strategic initiatives of the
dan rencana kerja berdasarkan shareholders aspiration Company’s Long-Term Plan (RJPP) and work plans
dari Kementerian BUMN dan PT Bank Rakyat Indonesia based on shareholders’ aspirations from the Ministry
Tbk. Pendetailan grand strategy Rencana Jangka of State-Owned Enterprises and PT Bank Rakyat
Panjang Perusahaan (RJPP) menjadi inisiatif strategis Indonesia Tbk. The detailed grand strategy of the
menggunakan skema business strategy map yang Company’s Long-Term Plan (RJPP) is transformed
menggambarkan strategi bisnis, strategi supporting into strategic initiatives using a business strategy map
beserta lead indicator kinerja perusahaan yang selaras scheme that illustrates business strategies, supporting
target perusahaan. strategies, and lead performance indicators that align
with the company’s targets.
Inisiatif Strategis yang dikelompokan dalam The Strategic Initiatives grouped in G7-STAR are
G7-STAR diharapkan dapat membawa Perseroan expected to lead the Company in achieving the set
dalam mencapai target yang telah ditetapkan targets in 2024 with 5 objective targets: increasing
pada tahun 2024 dengan 5 sasaran objective yaitu active customers, increasing active OSL, reducing
peningkatan nasabah aktif, peningkatan OSL Aktif, NPL, efficiency of BOPO, and increasing profit.
penurunan NPL, Efisiensi BOPO, serta peningkatan Furthermore, strategic initiatives consisting of
laba. Kemudian, inisiatif strategis yang terdiri dari business and supporting strategies have undergone
strategi bisnis dan supporting telah dilakukan proses an alignment process through the house of strategy,
alignment melalui house of strategy. as described in the graphic below:
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Pursue
Tema/Theme RKAP 2024:
Maximizing Financial Ecosystem & Establish New Business Capabilities
Nasabah OSL NPL BOPO Laba
Grow Core Go Further Go Together Grab New
1. Sales Model Analytic
2. Brand Repositioning 5. Peningkatan Agent’s 6. Penguatan Sinergi Holding 7. Bullion Services
3. Modernisasi Business Model Capability Strengthening Holding 8. Akselarasi Pegadaian Group
Business Model Increasing Agent’s Synergies Pegadaian Group
Modernization Capability Acceleration
4. Brand Transformation
9. Attract, Retain & High Perform HC 11. Peningkatan Arsitektur IT 14. Culture Transformation
10. Integrated & Lean HC Improving IT Architecture 15. Penguatan Risk Foundation
12. Next-Gen Data Management Strengthening the Risk Foundation
13. Penguatan Pegadaian Digital 16. Reshaping ESG Compliance
Strengthening Pegadaian Digital
Groom Talent Gen-Z Tech Great Culture & GCG
House of Strategy Rencana Bisnis 2024
House of Business Strategy Business Plan 2024
Gambar di atas merupakan rangkaian end-to-end The above diagram represents an end-to-end
strategi korporasi yang memuat: corporate strategy framework that encompasses:
1. Aspek-aspek yang melatarbelakangi penyusunan 1. Aspects that underlie the formulation of the
strategi, seperti aspek ekonomi, bisnis, operasional, strategy, such as economic, business, operational,
teknologi, dan sumber daya manusia. technological, and human resources aspects.
2. Telah sesuai dengan 5 Prioritas Kementerian BUMN 2. It aligns with the 5 Priorities of the Ministry of
yakni Nilai Ekonomi & Sosial Untuk Indonesia, State-Owned Enterprises, namely Economic
Inovasi Model Bisnis, Kepemimpinan Teknologi, & Social Value for Indonesia, Business Model
Peningkatan Investasi, Pengembangan Talenta. Innovation, Technological Leadership, Investment
3. 16 Inisiatif Strategis yang menjadi upaya atau cara Enhancement, and Talent Development.
perusahaan untuk mewujudkan target kinerja 3. 6 Strategic Initiatives that are the company’s
tahun 2024, yang mengacu pada lima prioritas efforts or ways to achieve the performance targets
BUMN, Grand Strategy Rencana Jangka Panjang for the year 2024, which refer to the five priorities
Perusahaan (RJPP), dan juga fokus annual thematic of SOEs, the Grand Strategy of the Company’s
tahun 2024. Ke-16 Inisiatif Strategis tersebut antara Long-Term Plan (RJPP), and also the focus of
lain: the annual thematic for 2024. The 16 Strategic
Initiatives include:
a. Sales Model Analytic meliputi penguatan a. Sales Model Analytics involving strengthening
produk/fitur dan proses bisnis melalui model products/features and business processes through
penjualan berbasis data dan teknologi guna data-driven sales models and technology to drive
mendorong akuisisi nasabah, retensi dan customer acquisition, retention, and awareness.
awareness.
b. Brand Repositioning menyelaraskan b. Brand Repositioning aligning operations & value
operasional & Value proposition dari “ penyedia proposition from “emergency fund provider” to
dana darurat” menjadi “mitra keuangan “trusted financial partner of the community.”
kepercayaan masyarakat”.
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c. Modernisasi Business Model meliputi c. Business Model Modernization includes digital
modernisasi gadai digital dan mempersiapkan pawn modernization and preparing comprehensive
proses benchmarking produk yang product benchmarking processes.
komprehensif. d. Branch Transformation through outlet
d. Branch Transformation melalui transformasi transformation to facilitate customer journey (front
outlet untuk memfasilitasi customer journey & back end) along with new business expansion.
(front & back end) seiring dengan ekspansi
bisnis baru. e. Enhancement of Agent’s Capability, namely
e. Peningkatan Agent’s Capability yaitu enhancing the capability and contribution of
peningkatan kapabilitas dan kontribusi agencies and potential strategic partners.
keagenan serta mitra strategis yang potensial. f. Holding Synergy Strengthening involves
f. Penguatan Sinergi Holding meliputi penguatan strengthening the synergy between the BRI Group
sinergi BRI Grup dan Pegadaian Grup and Pegadaian Group through sales channel
melalui optimalisasi sales chanel & product optimization & product bundling and improving
bundling serta peningkatan kapabilitas fungsi business support function capabilities.
pendukung bisnis. g. Bullion Services building, launching, and enhancing
g. Bullion Services membangun, meluncurkan operational infrastructure for bullion services.
dan meningkatkan infrastruktur operasional
pada layanan Bullion. h. Pegadaian Group Acceleration accelerating
h. Akselerasi Pegadaian Grup mengakselerasi business growth through relevant organic and
pertumbuhan bisnis melalui jalur organik dan inorganic avenues.
anorganik yang relevan. i. Attract, Retain & High Perform HC focuses on
i. Attract, Retain & High Perform HC meliputi strengthening talent management to build a high-
fokus penguatan talent management untuk performance culture.
membangun budaya berkinerja tinggi. j. Integrated & Lean HC integrating diverse HC
j. Integrated & Lean HC Mengintegrasikan sistem systems to improve time to deliver and operational
HC yang beragam untuk meningkatkan time to improvements.
deliver serta perbaikan operasional. k. IT Architecture Enhancement improving
k. Peningkatan Arsitektur TI peningkatan architecture to support the development of new
arsitektur untuk mendukung pengembangan businesses with a supportive core system.
bisnis baru dengan core system yang
menunjang. l. Next Gen Data Management building next-gen
l. Next Gen Data Management membangun next- data management to realize digital dividends.
gen data management untuk mewujudkan
digital dividen. m. Digital Pegadaian Strengthening through
m. Penguatan Pegadaian Digital melalui performance improvement and updating the
peningkatan kinerja dan memperbaharui functionality & stability of the Digital Pegadaian
fungsionalitas & stabilitas aplikasi Pegadaian application.
Digital. n. Culture Transformation re-launching cultural
n. Culture Transformation meluncurkan kembali transformation to inspire mindset change within
transformasi budaya untuk menginspirasi the organization.
perubahan mindset di dalam organisasi.
o. Penguatan Risk Foundation yaitu meningkatkan o. Risk Foundation Strengthening involves improving
dan menerapkan framework GRC (Governance, and implementing the GRC (Governance, Risk, and
Risk dan Compliance), Compliance) framework.
p. Reshaping ESG Compliance yaitu merumuskan p. Reshaping ESG Compliance formulating ESG
strategi ESG yang berfokus pada Keuangan strategies focused on Sustainable Finance and
berkelanjutan dan Inklusi Keuangan. Financial Inclusion.
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Perbandingan Target dan
Realisasi, serta Proyeksi Satu
Tahun ke Depan
Comparison of Target and Realization, as well as the
Next Year Projections
Perbandingan Target dan Realisasi Target and Realization Comparison
Realisasi Tahun Pencapaian RKAP
Uraian Satuan Target Tahun 2023
2023 RKAP Target
Description Unit 2023 Target
2023 Realization Achievement
KINERJA KEUANGAN
FINANCIAL PERFORMANCE
1. Total Aset Rp. Juta 79.804.172 82.585.431 103,49%
Total Asset Rp million
2. Total Liabilitas Rp. Juta 49.110.210 49.949.839 101,71%
Total Liabilities Rp million
3. Total Ekuitas Rp. Juta 30.693.962 32.635.592 106,33%
Total Equity Rp million
4. Belanja Modal (Capex) Rp. Juta 1.336.494 755.962 56,56%
Capital Expenditure Rp million
5. Dividen atas laba tahun 2022*) Rp. Juta 1.897.930 - -
2022 Profit Dividend*) Rp million
6. Sales to Average Asset % 22,64% 21,81% 96,33%
7. DER kali 1,60 1,53 95,66%
fold
8. ROE % 13,37% 14,33% 107,18%
9. ROA % 5,21% 5,60% 107,46%
10. Current Ratio kali 1,51 1,50 99,15%
fold
11. Net Profit Margin % 24,09% 26,10% 108,34%
12. EBITDA Margin % 51,57% 53,03% 102,84%
13. BOPO % 68,44% 66,10% 103,55%
14. Cost of Credit % -0,36% -0,30% 117,56%
15. Financing Debt to Invested Capital % 58,19% 56,99% 97,95%
16. Financing Debt to EBITDA Kali 5,10 4,86 95,32%
fold
17. PPOP Margin % 30,24% 32,76% 108,33%
18. ROIC % 8,74% 9,57% 109,44%
19. WACC % 6,21% 6,17% 100,67%
20. Opini Auditor atas Lap. Keu Audited - WTP WTP -
Auditor’s Opinion on the Audited
Financial Statements
*) tidak ada pembagian dividen atas laba tahun 2022
*) There was no 2022 profit dividend distribution
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Realisasi Tahun
Uraian Satuan Target Tahun 2023 Pencapaian RKAP
Description Unit Target 2023 2023 RKAP Achievement
Realization in 2023
KINERJA BISNIS
BUSINESS PERFORMANCE
1. Outstanding Loan / OSL Gross Rp. Juta 63.608.148 67.573.563 106,23%
Rp million
2. Pinjaman yang disalurkan / Omset Rp. Juta 190.070.301 205.200.709 107,96%
Loans disbursed / Turnover Rp million
3. Non-Performance Asset % 1,67% 0,85% 196,63%
Proyeksi Satu Tahun ke Depan Projection One Year Ahead
Pegadaian telah menetapkan sejumlah target untuk Pegadaian has set several targets for the upcoming
tahun mendatang sebagimana tertuang dalam RKAP year as outlined in the 2024 RKAP approved by
2024 yang telah disetujui oleh Pemegang Saham. the Shareholders. Some of the main targets for the
Adapun beberapa target utama Perseroan untuk Company for the next year include:
tahun satu tahun mendatang, antara lain:
Tabel Asumsi RKAP Tahun 2024
Table of RKAP Assumption in 2024
Asumsi Prognosa 2023 Proyeksi 2024
Assumption 2023 Prognosis 2024 Projection
Makro GDP Growth (%) 4,90-5,00 5,00-5,30
Macro Inflasi (%) 3,4-3,7 2,4-3,5
Inflation (%)
Kurs (IDR/USD) 14.815-15.098 14.768-15.086
Currency (IDR/USD)
7 Days RRR (%) 5,75 5,00-5,75
Hg. Emas (USD/T.ounce) 1.919 1.923-1.993
Gold Price (USD/T.Ounce)
Internal STL (IDR/Gr) 926.651 917.811-966.667
Wacof (%) 5,90 5,90-6,25
Berdasarkan asumsi di atas, Perseroan harus lebih Based on the assumptions above, the Company must
adaptif dalam merespon perkembangan yang terjadi be more adaptive in responding to the developments
seiring dengan perubahan lingkungan industri yang that occur along with the dynamic changes in the
dinamis. Perseroan juga menyambut baik kondisi industry environment. The Company also welcomes
di tahun mendatang seiring dengan meningkatnya the conditions in the coming year as the growth of
pertumbuhan PDB masyarakat dan menurunnya the community’s GDP increases and the inflation
tingkat inflasi sehingga diharapkan dapat berimbas rate decreases, thus expected to have a positive
positif bagi kinerja Pegadaian. Ringkasan sasaran impact on Pegadaian’s performance. A summary of
kinerja bisnis dan keuangan Perseroan dapat dilihat the Company’s business and financial performance
sebagai berikut: targets can be seen as follows:
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Prognosa Proyeksi Pertumbuhan Pencapaian
Pertumbuhan
Uraian Des 2022 RKAP 2023 2023 2024 2023 Tahun 2023
Description 2024
2023 2024 2023 Growth 2023
2024 Growth
Prognosis Projection Achievement
1 2 3 4 5 6 = 4/2-100% 7 = 5/4-100% 8 = 4/3
A. Kinerja Keuangan (Rp miliar)
Financial Performance (Rp billion)
Posisi Keuangan (Neraca)
Financial Position (Balance)
Aset 73.330 79.804 81.405 94.020 11,01% 16,02% 102,01%
Assets
Liabilitas (44.911) (49.110) (49.036) (59.093) 9,18% 21,78% 99,85%
Liabilities
Ekuitas (28.418) (30.694) (32.369) (34.927) 13,90% 7,28% 105,46%
Equity
Laba/Rugi
Konsolidasi
Consolidated Profit/
Loss
Pendapatan Usaha 14.978 16.235 16.655 18.674 11,20% 14,17% 102,59%
Operating Revenue
Beban Usaha 10.653 11.112 11.457 11.956 7,54% 11,96% 103,10%
Operating Expenses
Laba Usaha 4.325 5.123 5.199 6.715 20,20% 19,03% 101,48%
Operating Profit
Laba Sebelum Pajak 4.329 5.129 5.218 6.724 20,52% 18,88% 101,74%
Income before Tax
Laba Bersih 3.299 3.911 4.017 5.105 21,78% 18,22% 102,73%
Net Profit
Dividen - 1.897.930 - 2.434.953 - - -
Dividend
B. Kinerja Bisnis (Rp miliar)
Business Performance (Rp billion)
Pinjaman yang 179.755 190.070 206.149 226.734 14,68% 10,01% 108,46%
Diberikan (Omzet)
Loans (Turnover)
Pinjaman yang 59.053 63.608 65.285 72.928 10,55% 14,51% 102,64%
Diberikan (OSL
Gross)
Loans (OSL Gross)
CKPN (3.705) (3.309) (3.893) 74.757 5,07% 9,01% 117,66%
Pinjaman yang 55.348 60.299 61.392 72.126 10,92% 14,86% 101,81%
Diberikan (OSL
Neto)
Loans (OSL Neto)
NPL Amount 710 1.054 842 849 18,62% 23,18% 125,21%
LAR Amount 3.044 5.461 4.028 4.071 32,31% 19,78% 135,56%
C. Rasio-Rasio
Ratios
Net Profit Margin 22,02% 24,09% 24,12% 27,34% 9,51% 3,55% 100,13%
ROA 4,80% 5,21% 5,15% 5,79% 7,19% 4,44% 98,86%
ROE 12,13% 13,38% 13,15% 15,34% 8,38% 8,43% 98,27%
BOPO 71,12% 68,44% 68,79% 67,04% -3,29% -1,93% 99,50%
NPL 1,21% 1,67% 1,29% 1,27% 7,24% 7,57% 128,73%
LAR 5,18% 8,63% 6,19% 6,48% 19,61% 4,60% 139,37%
NPL Coverage Ratio 522% 314% 462% 445% -11,42% -11,50% 147,32%
LAR Coverage Ratio 122% 61% 97% 86,93% -20,59% -8,99% 159,50%
PPOP 4.820 4.910 5.387 5.445 11,75% 21,40% 109,71%
PPOP Margin 32% 30% 32% 34% 0,50% 6,33% 106,94%
CIR 64% 64% 62% 62,00% -2,73% -15,08% 96,48%
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Pernyataan Tentang Penerbitan Statement Regarding the Issuance of Laporan Tahunan Secara Terintegrasi Integrated Annual Report Perseroan telah menerbitkan Laporan Tahunan The Company has issued an Integrated Annual secara terintegrasi dengan memberikan deskripsi Report providing a comprehensive description of lengkap mengenai kinerja historis Perseroan. Hal the Company’s historical performance. This can be ini sebagaimana dapat dilihat pada bab Ikhtisar observed in the Financial Overview section, which Keuangan yang menampilkan data kinerja keuangan presents the Company’s financial performance data Perseroan selama 5 (lima) tahun berturut-turut for the past 5 (five) consecutive years in tabular form. dalam bentuk tabel. Selain itu Perseroan juga telah Additionally, the Company has disclosed a comparison mengungkapkan perbandingan kinerja keuangan dan of financial and operational performance in the form kinerja operasional dalam bentuk grafik perbandingan of two-year comparison graphs. In the context of dua tahun. Dalam konteks risiko, peluang, dan future corporate risks, opportunities, and prospects, prospek korporasi di masa depan, Perseroan telah the Company has disclosed this based on an analysis mengungkapkannya berdasarkan analisa makro of global and national macroeconomic factors, as ekonomi global dan nasional serta target kuantitatif well as the Company’s quantitative targets for the Perseroan untuk tahun mendatang pada sub Prospek upcoming year in the Business Prospects subsection. Usaha. Informasi ini diharapkan dapat membantu This information is expected to assist shareholders and pemegang saham dan pemangku kepentingan dalam stakeholders in understanding the Company’s strategic memahami tujuan strategis dan kemajuan Perseroan objectives and progress in creating sustainable value. dalam menciptakan nilai yang berkelanjutan. PT Pegadaian | 2023 Annual Report 209
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Aspek Pemasaran
Marketing Aspect
Strategi Pemasaran 2023 Marketing Strategy 2023
Membaiknya kondisi ekonomi dan industri di tahun The improvement in economic and industry conditions
2023 semakin meningkatkan optimisme Perseroan in 2023 has increased the optimism of the Company
untuk dapat meningkatkan kinerjanya dalam to enhance its performance in achieving growth and
mewujudkan pertumbuhan serta memberikan produk providing value-added products and services to
dan layanan terbaik yang bernilai tambah bagi the community. To optimize this, the Company has
masyarakat. Untuk itu, Perseroan mengoptimalkan hal developed and implemented marketing strategies to
tersebut dengan menyusun dan menerapkan strategi meet the expectations and desires of customers in
pemasaran untuk memenuhi harapan dan keinginan order to provide solutions to their needs.
pelanggan agar dapat menjadi solusi atas kebutuhan
pelanggan.
Pada Tahun 2023 PT Pegadaian memiliki tema RKAP In 2023, PT Pegadaian has a theme for its RKAP,
yaitu “Growing Stronger”, tema tersebut merupakan namely “Growing Stronger”, which is increasing
peningkatan skala bisnis melalui Integrated Financial business scale through the Integrated Financial & Gold
& Gold Ecosystem. Ada 3 fokus strategi utama yang Ecosystem. There are 3 main strategic focuses to be
akan diimplementasikan diantaranya: implemented, namely:
1. Retention Strategy (mempertahankan nasabah 1. Retention Strategy (maintaining customers from
pindah ke pesaing); moving to competitors);
2. Acquisition Strategy (menambah nasabah baru 2. Acquisition Strategy (adding new customers
melalui akuisisi nasabah); dan through customer acquisition); and
3. Booster Strategy (cross selling dan up selling). 3. Booster Strategy (cross-selling and up-selling).
4. Dengan fokus strategi tersebut diharapkan market 4. With these strategic focuses, Pegadaian aims to
share Pegadaian bisa tetap terjaga dengan baik. maintain its market share effectively.
Pegadaian menterjemahkan strategi tersebut ke Pegadaian translates these strategies into customer
dalam customer journey yaitu melalui peningkatan journeys through increasing awareness, conversion,
awareness, conversion, retention, dan loyalty. retention, and loyalty. Various activities are conducted
Beberapa aktivitas dilakukan melalui aktivitas offline through both offline and online channels to target a
maupun aktivitas online. Hal ini dilakukan untuk dapat wide range of segments.
menyasar target segmen yang cukup luas.
Dalam tahapan awal, Pegadaian melakukan riset yang In the initial stage, Pegadaian conducts in-depth
mendalam untuk memastikan segmentasi customer research to ensure proper customer segmentation,
yang tepat, menentukan target, dan memposisikan target identification, and positioning of Pegadaian’s
produk Pegadaian yang tepat agar bisa diterima products to be accepted by the public. Pegadaian
oleh masyarakat. Pegadaian melakukan pemetaan maps out the competition to observe competitor
kompetisi untuk melihat pergerakan kompetitor movements, especially in the pawn product sector,
khususnya pada produk gadai, baik strategi campaign including competitor campaign strategies and features.
kompetitor maupun fitur-fitur kompetitor. Untuk To ensure that all marketing activities are conveyed to
memastikan semua aktivitas pemasaran telah the public, Pegadaian regularly evaluates customer
tersampaikan kepada masyarakat, Pegadaian secara satisfaction and interest in Pegadaian products. This
rutin melakukan evaluasi kepuasan konsumen dan serves as an evaluation basis for product and service
ketertarikan konsumen terhadap produk Pegadaian. improvements in the future. These researches form the
Ini menjadi bahan evaluasi untuk perbaikan produk dan basis for the implementation of marketing activities
layanan kedepan. Riset-riset tersebut menjadi dasar (action plans), both online and offline. Both offline
untuk pelaksanaan aktivitas (action plan) pemasaran and online marketing activities have their respective
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baik aktivitas online maupun aktivitas offline. Aktivitas goals according to the STP (Segmentation, Targeting, offline dan online memiliki tujuan masing-masing and Positioning) Strategy determined. In general, sesuai dengan Strategi STP (Segmentation, Targeting, both online and offline marketing activities aim for and Positioning) yang telah ditentukan. Secara umum acquiring new customers (acquisition strategy), aktivitas online dan offline pemasaran masing-masing retaining customers, making them loyal customers memiliki tujuan yaitu akuisisi nasabah baru (acquisition (retention strategy), and expanding product market strategy), mempertahankan nasabah dan menjadikan (booster strategy). nasabah setia (retention strategy), serta memperluas pasar produk (booster strategy). Aktivitas online yang dilakukan oleh Pegadaian seperti: Online activities conducted by Pegadaian include: 1. Digital Ads, mengoptimalkan platform-platform 1. Digital Ads, optimizing platforms such as Google seperti Google Ads, Meta Ads, dan TikTok Ads Ads, Meta Ads, and TikTok Ads to introduce untuk memperkenalkan produk dan program yang products and ongoing programs; sedang berjalan; 2. Media Sosial, berkomunikasi aktif melalui akun 2. Social Media, active communication through media sosial perusahaan (Sahabat Pegadaian) pada the company’s social media accounts (Sahabat platform-platform seperti TikTok, Meta, Instagram, Pegadaian) on platforms such as TikTok, Meta, dan Twitter, serta menggunakan influencer internal Instagram, and Twitter, as well as using internal untuk memperkuat brand Pegadaian dengan influencers to strengthen the Pegadaian brand melakukan campaign Activation Giveaway; through Activation Giveaway campaigns; 3. Program Penyuluh Digital, membuat program 3. Digital Education Program, creating a program to untuk mengakselerasi transaksi digital dan accelerate digital transactions and increase the use meningkatkan penggunaan layanan digital; of digital services; 4. Pegadaian Digital Service (PDS), peningkatan 4. Pegadaian Digital Service (PDS), improving kinerja PDS untuk memudahkan pengalaman the performance of PDS to facilitate customer pelanggan bertransaksi; transaction experiences; 5. Layanan Personalized Service, layanan personal 5. Personalized Service, providing personalized kepada nasabah loyal dengan pemberian LTV services to loyal customers with special LTV khusus. offerings. Aktivitas offline yang dilakukan oleh Pegadaian Offline activities conducted by Pegadaian include: seperti: 1. Community Marketing (UMKM), melalui Program 1. Community Marketing (MSMEs), through the “Gadepreuneur” yaitu dengan mengumpulkan “Gadepreuneur” Program by gathering potential calon-calon pengusaha mikro dengan micro entrepreneurs, providing guidance and memberikan pendampingan dan pembiayaan, financing, and holding special events such as serta melaksanakan event-event khusus seperti “Sahabat UMKM” to encourage the development “Sahabat UMKM” untuk mendorong peningkatan of the MSME ecosystem; ekosistem UMKM; 2. Out-of-Home (OOH), placement iklan di media 2. Out-of-Home (OOH), advertising placements luar ruang melalui billboard, spanduk, dan tempat- in outdoor media through billboards, banners, tempat publik lainnya, serta memberikan kegiatan and other public places, as well as sponsoring sponsor pada event-event penting; important events; 3. TVC, Radio, dan Bioskop, placement melalui Iklan 3. TVC, Radio, and Cinema, advertising placements TV, Radio, dan Bioskop untuk mencapai target through TV, radio, and cinema ads to reach a wider yang lebih luas; audience; 4. Webinar dan Literasi Keuangan, untuk 4. Webinars and Financial Literacy, introducing memperkenalkan produk sampai transaksi; products and transactions; 5. Customer Gathering, melaksanakan pertemuan 5. Customer Gatherings, holding meetings with loyal kepada pelanggan setia sebagai bentuk apresiasi, customers as a form of appreciation and building serta membangun hubungan langsung dengan direct relationships with customers; pelanggan; 6. Program Pegadaian POIN, memberikan program 6. Pegadaian POIN Program, providing programs to kepada pelanggan setia berupa penukaran poin loyal customers such as exchanging lottery points undian maupun penukaran poin menjadi voucher; or converting points into vouchers; PT Pegadaian | 2023 Annual Report 211
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
7. Pekan Raya Pegadaian, membuat event pada 7. Pegadaian Fair, organizing events during Financial
Bulan Inklusi Keuangan sebagai salah satu cara Inclusion Month as a way to increase positive
meningkatkan pemberitaan positif di masyarakat coverage in the community.
Dengan penggabungan strategi pemasaran melalui Through the integration of marketing strategies
aktivitas pemasaran secara online dan offline through online and offline marketing activities, PT
ini, PT Pegadaian bertekad untuk tidak hanya Pegadaian is committed not only to maintaining the
mempertahankan market share yang telah kami market share it has achieved but also to expanding its
capai, tetapi juga untuk memperluas pengaruh dan influence and strengthening its position in the Pawn
memperkuat posisi Pegadaian di Industri Pergadaian. Industry.
Pangsa Pasar Tahun 2023 2023 Market Share
Uraian terkait pangsa pasar 2023
Description towards 2023 Market Share
Laba OSL Pangsa
Keterangan (Desember 2023) Aset Liabilitas Ekuitas
Bersih ROA ROE (Miliar Rp) Pasar
Description (December 2023) Assets Liabilities Equity
Net profit (Billion Rp) Market share
Pegadaian 83.122 50.485 32.636 4.377 5,26% 13,41% 67.574 97,38%
Perusahaan Pergadaian Swasta 2.245 1.536 708 65 2,89% 9,18% 1.741 2,57%
Konvensional
Conventional Private Pawnshop
Company
Perusahaan Pergadaian Swasta 82 23 59 5 6,09% 8,47% 70 0,05%
Syariah
Sharia Private Pawnshop
Company
Jumlah 85.449 52.044 33.403 4.447 5,20% 13,31 69.385 100%
Total
Sumber Data : Statistik Perusahaan Pergadaian Bulan Desember 2023 (OJK)
Data Source: Pawnshop Company Statistics for December 2023 (OJK)
Pada tahun 2016, pemerintah Indonesia menerbitkan In 2016, the Indonesian government issued Financial
Peraturan Otoritas Jasa Keuangan (POJK) No. 31/ Services Authority Regulation (POJK) No. 31/
POJK.05/2016 tentang Usaha Pergadaian. Peraturan POJK.05/2016 concerning Pawn Business. This
ini bertujuan untuk mengatur dan mengawasi kegiatan regulation aims to regulate and supervise pawn
usaha pergadaian guna meningkatkan transparansi, business activities in order to increase transparency,
perlindungan konsumen, dan stabilitas industri. consumer protection and industry stability.
Dalam konteks pangsa pasar, POJK tersebut memiliki In the context of market share, POJK has significant
dampak yang signifikan. Regulasi ini memberikan impact. This regulation provides clear framework for
kerangka kerja yang jelas bagi industri pergadaian, pawn industry, regulating all aspects from licensing,
mengatur segala aspek mulai dari perizinan, kegiatan operational activities, to corporate governance. This
operasional, hingga tata kelola perusahaan. Hal ini creates a more structured and trustworthy environment
menciptakan lingkungan yang lebih terstruktur dan for industry players, including PT Pegadaian and other
dapat dipercaya bagi para pelaku industri, termasuk private pawn companies.
PT Pegadaian dan perusahaan pergadaian swasta
lainnya.
PT Pegadaian meraih pencapaian sangat baik dalam PT Pegadaian achieved excellent achievements in
industri pergadaian, menegaskan posisinya sebagai pawn industry, confirming its position as strong
pemimpin pasar yang kuat. Komposisi pangsa market leader. The composition of PT Pegadaian’s
pasar PT Pegadaian mencapai 97,38%, menandakan market share reached 97.38%, indicating the public’s
kepercayaan yang besar dari masyarakat terhadap great trust in PT Pegadaian’s services. With total
layanan PT Pegadaian . Dengan aset total sebesar assets of Rp83,122 billion, PT Pegadaian continues to
Rp83.122 miliar, PT Pegadaian terus menunjukkan show commitment to providing the best service to
komitmen dalam memberikan layanan terbaik kepada customers.
pelanggan.
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Dalam hal kinerja keuangan, PT Pegadaian In terms of financial performance, PT Pegadaian
mencatatkan laba bersih sebesar Rp4.377 miliar, yang recorded net profit of Rp4,377 billion, which shows
menunjukkan efisiensi operasional yang tinggi. Tingkat high operational efficiency. PT Pegadaian’s return on
pengembalian aset (ROA) PT Pegadaian sebesar assets (ROA) of 5.26% and return on equity (ROE) of
5,26% dan tingkat pengembalian ekuitas (ROE) 13.41%, reflecting strong financial management and
sebesar 13,41%, mencerminkan pengelolaan keuangan consistent profits for stakeholders.
yang tangguh dan keuntungan yang konsisten bagi
para stakeholder.
Meskipun demikian, PT Pegadaian menyadari bahwa However, PT Pegadaian realizes that challenges always
tantangan selalu ada dalam industri yang dinamis ini. exist in this dynamic industry. PT Pegadaian continues
PT Pegadaian terus memantau perubahan pasar dan to monitor market changes and strives to remain at the
berusaha untuk tetap menjadi yang terdepan dalam forefront in providing innovative and quality services
memberikan layanan yang inovatif dan berkualitas to customers.
kepada pelanggan.
Tinjauan Keuangan Lainnya
Other Financial Reviews
Kontribusi Terhadap Negara Contribution for the Nation
Selain dividen Perseroan juga memberikan kontribusi In addition to dividends, the Company also contributes
kepada Negara dalam bentuk pajak. Di Tahun 2023 to the nation in the form of taxes. In 2023, Pegadaian
Pegadaian telah memenuhi seluruh kewajiban fulfilled all of its tax obligations with the following
pajaknya dengan rincian sebagai berikut: details:
dalam juta Rupiah
In million rupiah
Jenis Pajak
2023 2022
Type of Tax
PPh Badan 1.079.546 857.739
Corporate Income Tax
PPh Pasal 21 472.828 443.826
Income Tax Article 21
PPh Pasal 22 4.105 3.508
Income Tax Article 22
PPh Pasal 23 28.832 20.479
Income Tax Article 23
PPH Pasal 26 143 223
Income Tax Article 26
PPh Pasal 4 ayat 2 34.158 36.954
Income Tax Article 4 Section 2
PPN 221.933 174.057
Value Added Tax (VAT)
PBB 8.272 6.991
Property Tax
Total 1.849.817 1.543.777
PT Pegadaian | 2023 Annual Report 213
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Kebijakan Dividen dan
Pembagiannya
Dividend Policy and Its Distribution
Berdasarkan Pasal 26 Perubahan Anggaran Dasar PT Based on Article 26 of the Amendment to the Articles
Pegadaian (Persero) sebagaimana Akta No. 4 tanggal of Association of PT Pegadaian (Persero) as in Deed
16 Juni 2016 yang dibuat di hadapan notaris Nanda No. 4 dated June 16, 2016, made before notary Nanda
Fauz Iwan, S.H., M.Kn., yang berdomisili di Jakarta Fauz Iwan, S.H., M.Kn., domiciled in South Jakarta, the
Selatan, penggunaan laba diatur sebagai berikut: utilization of profits is regulated as follows:
1. Penggunaan laba bersih termasuk jumlah 1. The utilization of net profits including the amount
penyisihan untuk cadangan kerugian diputuskan set aside for loss reserves is decided by the General
oleh Rapat Umum Pemegang Saham harus Meeting of Shareholders and must be approved by
disetujui Pemegang Saham Seri A-Dwiwarna. the A-Dwiwarna Shareholders.
2. Seluruh laba bersih setelah dikurangi penyisihan 2. All net profits after deducting reserves as referred
untuk cadangan sebagaimana dimaksud pada ayat to in section 1 of this Article shall be distributed
1 Pasal ini dibagikan kepada Pemegang Saham to the Shareholders as dividends unless
sebagai dividen kecuali ditentukan lain oleh otherwise determined by the General Meeting
Rapat Umum Pemegang Saham harus disetujui of Shareholders and must be approved by the
Pemegang Saham Seri A-Dwiwarna. A-Dwiwarna Shareholders.
3. Selain penggunaan laba bersih sebagaimana 3. In addition to the utilization of net profits as
dimaksud pada ayat 2 Pasal ini, Rapat Umum referred to in section 2 of this Article, the General
Pemegang Saham dengan persetujuan Pemegang Meeting of Shareholders, with the approval of the
Saham Seri A-Dwiwarna dapat menetapkan laba A-Dwiwarna Shareholders, may determine net
bersih untuk pembagian lain seperti tantiem profits for other distributions such as bonuses
untuk Direksi dan Dewan Komisaris, bonus untuk for the Board of Directors and Commissioners,
karyawan, atau penempatan laba bersih tersebut bonuses for employees, or placement of net
dalam cadangan Perseroan yang antara lain profits in reserves of the Company, the percentage
diperuntukkan bagi perluasan usaha Perseroan of which is determined annually by the General
yang persentasenya masing-masing ditetapkan Meeting of Shareholders.
tiap tahun oleh Rapat Umum Pemegang Saham.
4. Dividen sebagaimana dimaksud pada ayat 2 4. Dividends as referred to in section 2 of this Article
Pasal ini hanya boleh dibagikan apabila Perseroan may only be distributed if the Company has a
mempunyai saldo laba yang positif. positive profit balance.
5. Dalam hal tantiem bonus dianggarkan dan tidak 5. In the event that bonuses are budgeted and not
diperhitungkan sebagai biaya dalam tahun accounted for as expenses in the current year
berjalan dan Rapat Umum Pemegang Saham and the General Meeting of Shareholders, with
dengan persetujuan Pemegang Saham Seri the approval of the A-Dwiwarna Shareholders,
A-Dwiwarna menetapkan tantiem dan bonus lebih determines bonuses larger than those budgeted
besar dari yang dianggarkan sehubungan dengan due to exceeding the set targets, the difference in
pelampauan target yang ditetapkan, maka selisih bonuses shall be taken from the net profits of the
tantiem dan bonus tersebut diambil dari laba relevant year.
bersih tahun yang bersangkutan.
6. Dalam hal Perseroan tidak mempunyai laba bersih 6. In the event that the Company does not have
namun menunjukkan peningkatan kinerja yang net profits but shows improved performance
ditunjukkan dengan pencapaian target yang demonstrated by achieving the targets that must
harus dicapai, maka Perseroan dapat memberikan be achieved, the Company may provide bonuses
tantiem untuk anggota Direksi dan Dewan for members of the Board of Directors and
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Komisaris serta bonus untuk karyawan sepanjang Commissioners as well as bonuses for employees
telah dianggarkan dan diperhitungkan sebagai as long as they have been budgeted and accounted
biaya. for as expenses.
7. Apabila perhitungan laba rugi pada suatu tahun 7. If the calculation of the profit and loss for a fiscal
buku menunjukkan kerugian yang tidak dapat year shows a loss that cannot be covered by
ditutup dengan dana cadangan, maka kerugian itu reserve funds, the loss shall be recorded in the
akan tetap dicatat dalam pembukuan Perseroan Company’s books, and in the following years, the
dan dalam tahun yang akan datang Perseroan Company is deemed not to have earned a profit
dianggap tidak mendapat laba selama kerugian as long as the recorded loss remains uncovered,
yang tercatat itu belum sama sekali ditutup, without prejudice to the applicable laws and
dengan tidak mengurangi ketentuan perundang- regulations.
undangan yang berlaku.
8. Kecuali bagian dividen yang menjadi hak Negara 8. Except for the portion of dividends belonging to
Republik Indonesia dividen yang tidak diambil the State of the Republic of Indonesia, dividends
dalam waktu 5 (lima) tahun setelah disediakan that are not claimed within 5 (five) years after being
untuk dibayarkan, dimasukkan dalam dana made available for payment shall be included in a
cadangan yang khusus diperuntukkan untuk itu. special reserve fund designated for that purpose.
9. Dividen dalam dana cadangan khusus tersebut 9. Dividends in the special reserve fund may be
dapat diambil oleh Pemegang Saham yang claimed by the entitled Shareholders by providing
berhak dengan menyampaikan bukti haknya atas evidence of their entitlement to the dividends
dividen tersebut yang dapat diterima oleh Direksi that can be accepted by the Company’s Board
Perusahaan dengan syarat pengambilannya tidak of Directors, provided that the withdrawals are
secara sekaligus dan dengan membayar biaya not made all at once and administrative fees
administrasi yang ditetapkan Direksi. determined by the Board of Directors are paid.
10. Dividen yang telah dimasukkan dalam cadangan 10. Dividends that have been included in the special
khusus sebagaimana dimaksud pada ayat 8 Pasal reserve fund as referred to in section 8 of this
ini dan tidak diambil dalam jangka waktu 10 Article and are not claimed within a period of 10
(sepuluh) tahun akan menjadi hak Perseroan. (ten) years shall become the Company’s right.
11. Perseroan dapat membagikan dividen interim 11. The Company may distribute interim dividends
sebelum tahun buku Perseroan berakhir, dengan before the end of the Company’s fiscal year,
memperhatikan proyeksi perolehan laba dan taking into account the projected earnings and the
kemampuan keuangan Perseroan. Pembagian Company’s financial capabilities. The distribution
dividen interim sebagaimana dimaksud pada ayat of interim dividends as referred to in paragraph 11
11 Pasal ini, ditetapkan berdasarkan keputusan of this Article is determined by the decision of the
Direksi setelah memperoleh persetujuan Dewan Board of Directors after obtaining the approval of
Komisaris. the Board of Commissioners.
12. Dalam hal setelah tahun buku berakhir ternyata 12. In the event that the Company incurs a loss after
Perseroan menderita kerugian, dividen interim the end of the fiscal year, interim dividends that
yang telah dibagikan harus dikembalikan oleh have been distributed must be refunded by the
Pemegang Saham kepada Perseroan. Shareholders to the Company.
13. Direksi dan Dewan Komisaris bertanggung jawab 13. The Board of Directors and the Board of
secara tanggung renteng atas kerugian Perseroan, Commissioners are jointly liable for the Company’s
dalam hal Pemegang Saham tidak dapat losses if the Shareholders fail to refund the interim
mengembalikan dividen interim sebagaimana dividends as referred to in paragraph 13 of this
dimaksud pada ayat 13 Pasal ini. Article.
14. Pemegang saham yang mewakili paling sedikit 1/10 14. Shareholders representing at least 1/10 (one-tenth)
(satu per sepuluh) bagian dari saham yang telah of the issued shares may request the distribution
dikeluarkan dapat meminta pembagian dividen of interim dividends.
interim.
PT Pegadaian | 2023 Annual Report 215
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Kronologis Pembagian Dividen Chronology of Dividend Distribution
Berdasarkan hasil Keputusan RUPS Based on the decision of the General Meeting of
No. 725/00013.00/2023 tanggal 23 Juni 2023, Shareholders (RUPS) No. 725/00013.00/2023 dated
Pemegang Saham memutuskan untuk membagikan June 23, 2023, the Shareholders decided to distribute
dividen tunai sebesar Rp Nihil atau setara dengan cash dividends amounting to Rp Null or equivalent
0% dari laba bersih Perseroan tahun buku 2022. to 0% of the Company’s net profit for the fiscal year
Pelaksanaan pembagian dividen Perseroan untuk 2022. The implementation of dividend distribution for
tahun buku 2022 dan 2021 adalah sebagai berikut: the Company’s fiscal years 2022 and 2021 is as follows:
Uraian Tahun Buku 2022 Tahun Buku 2021
Description Fiscal Year 2022 Fiscal Year 2021
Laba Bersih (Rp juta) 3.298.945 2.427.310
Net Profit (Rp million)
Jumlah Dividen (Rp juta) Nihil 1.456.062
Dividends (Rp million) Null
Dividend Payout Ratio (%) - 59,99%
Tanggal Pengumuman 23 Juni 2023 27 April 2022
Announcement Date June 23, 2023 April 27, 2022
Tanggal Pembayaran - 31 Mei 2022
Payment date May 31, 2022
Informasi Keuangan yang
Mengandung Kejadian
yang Bersifat Luar Biasa dan
Jarang Terjadi
Financial Information Containing Extraordinary and Rare
Events
Hingga 31 Desember 2023, Perseroan tidak memiliki As of December 31, 2023, the Company does not have
informasi keuangan yang mengandung kejadian yang any financial information containing extraordinary
bersifat luar biasa dan jarang terjadi yang berdampak and rare events that materially impact the financial or
secara material terhadap kinerja keuangan maupun operational performance of the Company. Therefore,
operasional Perseroan. Dengan demikian, tidak there is no information to be disclosed regarding this
terdapat informasi yang dapat disampaikan terkait hal matter in this Annual Report.
tersebut dalam Laporan Tahunan ini.
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Program Kepemilikan Saham oleh Karyawan dan/atau Manajemen (ESOP/MSOP) Employee Stock Ownership Program (ESOP) and/or Management Stock Ownership Program (MSOP) Pegadaian merupakan anggota dari Holding BUMN Pegadaian is a member of the Ultra Micro BUMN Ultra Mikro dan tidak pernah memperdagangkan Holding and has never traded its shares on any stock sahamnya di bursa efek manapun. Dengan demikian, exchange. Therefore, there is no information available tidak terdapat informasi terkait program kepemilikan regarding the employee stock ownership program saham oleh karyawan (ESOP) dan/atau manajemen (ESOP) and/or management stock ownership program (MSOP) yang dapat disajikan dalam Laporan Tahunan (MSOP) that can be presented in this Annual Report. ini. Realisasi Penggunaan Dana Hasil Penawaran Umum Utilization of Proceeds from Public Offering Hingga 31 Desember 2023, PT Pegadaian bukan As of December 31, 2023, PT Pegadaian is not a public merupakan perusahaan publik dan tidak pernah company and has never conducted an initial public melakukan penawaran umum perdana saham (IPO) offering (IPO) of shares to the public. Therefore, there kepada masyarakat. Dengan demikian, tidak terdapat is no information available regarding the utilization of informasi terkait realisasi penggunaan dana hasil proceeds from a public offering that can be presented penawaran umum yang dapat disajikan dalam Laporan in this Annual Report. Tahunan ini. PT Pegadaian | 2023 Annual Report 217
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Analisis dan Pembahasan Manajemen Management & Discussion Analysis Informasi Transaksi Material yang Mengandung Benturan Kepentingan dan/atau Transaksi dengan Pihak Afiliasi Material Transactions Involving Conflict of Interest and/or Transactions with Affiliated Parties Transaksi yang Mengandung Benturan Transactions Involving Conflict of Kepentingan Interest Sepanjang tahun 2023, Perseroan tidak melakukan Throughout the year 2023, the Company did not transaksi yang mengandung benturan kepentingan. engage in transactions involving conflict of interest. Seluruh transaksi Perseroan telah dilakukan sesuai All transactions of the Company have been conducted dengan syarat dan kondisi serta manfaat ekonomis in accordance with terms and conditions, and the yang secara substansial sebanding dengan transaksi economic benefits are substantially comparable to pihak ketiga. transactions with third parties. Transaksi dengan Pihak Afiliasi Transactions with Affiliated Parties Dalam kegiatan usaha normal, Perseroan melakukan In the normal course of business, the Company transaksi dengan pihak-pihak berelasi. Transaksi conducts transactions with related parties. dengan pihak-pihak berelasi tersebut dilaksanakan Transactions with related parties are carried out under dengan syarat dan kondisi yang sama sebagaimana the same terms and conditions as those with unrelated dilakukan dengan pihak yang tidak mempunyai parties. hubungan istimewa. Kebijakan Mekanisme Review atas Policy Mechanism for Reviewing Transaksi dan Pemenuhan Peraturan Transactions and Compliance with dan Ketentuan Terkait Relevant Regulations and Provisions Kewajaran dan Alasan Dilakukannya Fairness and Reasons for Transactions Transaksi Perseroan telah memiliki kebijakan mengenai transaksi The Company has policies regarding transactions yang mengandung benturan kepentingan dan/atau involving conflict of interest and/or transactions with transaksi dengan pihak berelasi. Transaksi material related parties. Material transactions are decided by diputuskan oleh Dewan Komisaris dan telah dilakukan the Board of Commissioners and have been conducted dengan memperhatikan prinsip kehati-hatian sesuai with caution in accordance with generally accepted dengan praktik bisnis yang berlaku umum, memenuhi business practices, complying with OJK Regulation No. Peraturan OJK No. No. 42/POJK.04/2020 tentang 42/POJK.04/2020 regarding Affiliated Transactions Transaksi Afiliasi dan Transaksi Benturan Kepentingan, and Conflict of Interest Transactions, as well as PSAK serta PSAK No. 7 tentang Pengungkapan Pihak-Pihak No. 7 regarding Disclosure of Related Parties. Berelasi. 218 Laporan Tahunan 2023 | PT Pegadaian
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Pernyataan Direksi Terkait Transaksi Statement of the Board of Directors
Afiliasi Regarding Affiliated Transactions
Untuk transaksi antara Perseroan dengan BUMN For transactions between the Company and SOEs,
diperlakukan sebagai transaksi dengan pihak yang they are treated as transactions with related parties
berelasi sesuai dengan PSAK 7 “Pengungkapan Pihak- in accordance with PSAK 7 “Disclosure of Related
pihak Berelasi”. Dalam hal ini, Direksi memiliki peran Parties.” In this regard, the Board of Directors ensures
untuk memastikan bahwa transaksi afiliasi telah melalui that affiliated transactions have gone through
prosedur yang memadai dan dilaksanakan sesuai adequate procedures and are conducted in accordance
dengan praktik bisnis yang berlaku umum antara lain with generally accepted business practices, including
dilakukan dengan memenuhi prinsip transaksi yang complying with the arm’s-length principle.
wajar (arms-length principle).
Peran Dewan Komisaris dan Komite Audit Role of the Board of Commissioners and
Terkait Transaksi Afiliasi Audit Committee Regarding Affiliated
Transactions
Kewajaran transaksi dan pemenuhan peraturan atas The fairness of transactions and compliance with
transaksi pihak berelasi telah melalui proses review regulations regarding related party transactions have
dan audit oleh pihak auditor internal dan eksternal. undergone review and audit processes by internal and
Perseroan melakukan transaksi dengan pihak-pihak external auditors. The Company’s transactions with
berelasi telah sesuai dengan PSAK No 7 tentang related parties have complied with PSAK No. 7 on
Pengungkapan Pihak- Pihak Berelasi. Mekanisme Disclosure of Related Parties. The review mechanism
review atas transaksi material yang mengandung for material transactions involving conflict of interest
benturan kepentingan dan/atau transaksi dengan and/or transactions with related parties is carried out
pihak berelasi dilakukan melalui proses audit oleh through an audit process by the Audit Committee,
Komite Audit yang hasilnya kemudian dilaporkan the results of which are then reported to the Board of
kepada Dewan Komisaris. Commissioners.
Nama dan Sifat Hubungan Berelasi Name and Nature of Relationship
Pihak Berelasi Sifat Hubungan Sifat Transaksi
Related Party Nature of Relationship Nature of Transaction
Pemerintah Pusat Pemegang Saham Seri A Dwiwarna Penyertaan Modal Negara
Central Government Shareholder of Series A Dwiwarna State Capital Injection
PT Bank Rakyat Indonesia (Persero) Tbk Pemegang Saham Seri B Penyertaan Saham, Rekening Giro, dan
Series B Shareholder Fasilitas Modal Kerja
Share Capital, Current Accounts, and
Working Capital Facilities
PT Pefindo Biro Kredit Entitas Asosiasi Investasi
Associate Entity Investment
Dana Pensiun Pegadaian Program Imbalan Pasca Kerja Setoran Dana Pensiun
Post-Employment Benefits Program Pension Fund Deposits
PT Bank Mandiri (Persero) Tbk Entitas Sepengendali Rekening Giro dan Fasilitas Modal Kerja
Controlling Entities Checking Accounts and Working Capital
Facilities
PT Bank Syariah Indonesia Tbk Entitas Sepengendali Rekening Giro dan Fasilitas Modal Kerja
Controlling Entities Checking Accounts and Working Capital
Facilities
PT Bank Negara Indonesia (Persero) Tbk Entitas Sepengendali Rekening Giro dan Fasilitas Modal Kerja
Controlling Entities Checking Accounts and Working Capital
Facilities
PT Bank Tabungan Negara (Persero) Tbk Entitas Sepengendali Rekening Giro dan Fasilitas Modal Kerja
Controlling Entities Checking Accounts and Working Capital
Facilities
PT Asuransi Jasa Indonesia Entitas Sepengendali Imbalan Jasa Pertanggungan
Controlling Entities Compensation for Insurance Services
PT Pegadaian | 2023 Annual Report 219
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Pihak Berelasi Sifat Hubungan Sifat Transaksi
Related Party Nature of Relationship Nature of Transaction
PT Asuransi Kredit Indonesia Entitas Sepengendali Imbalan Jasa Pertanggungan
Controlling Entities Compensation for Insurance Services
PT Jaminan Kredit Indonesia Entitas Sepengendali Imbalan Jasa Pertanggungan
Controlling Entities Compensation for Insurance Services
PT Jasa Raharja Entitas Sepengendali Imbalan Jasa Pertanggungan
Controlling Entities Compensation for Insurance Services
PT Taspen (Persero) Entitas Sepengendali Asuransi
Controlling Entities Insurance
PT BRI Asuransi Indonesia Entitas Sepengendali Asuransi
Controlling Entities Insurance
PT Aneka Tambang Tbk Entitas Sepengendali Pembelian Emas
Controlling Entities Gold Purchasing
Yayasan Kesejahteraan Pegadaian Pemegang saham anak perusahaan Fasilitas kredit modal kerja
“Permata” Shareholders of subsidiary company Credit Facility and Working Capital
PT Wijaya Karya Realty Entitas Sepengendali Penjualan asset
Controlling Entities Asset Sales
PT Pembangunan Perumahan (Persero) Entitas Sepengendali Jasa konstruksi
Tbk Controlling Entities Construction Service
Direksi dan Dewan Pengawas Manajemen Kunci Perusahaan Remunerasi
Company’s Key Management Remuneration
Realisasi Transaksi Pihak Berelasi Related Party Transaction Realization
Saldo Pihak Berelasi
2023 2022
Balance of Related Parties
Kas dan Setara Kas 180.586 249.601
Cash and Cash Equivalents
Persentase terhadap Jumlah Aset 0,22% 0,34%
Percentage of Total Assets
Piutang Lain-Lain 707.466 707.609
Other Receivables
Persentase terhadap Jumlah Aset 0,86% 0,96%
Percentage of Total Assets
Pinjaman Bank 20.587.827 15.186.612
Bank Loan
Persentase terhadap Jumlah Liabilitas 41,22% 33,81%
Percentage of Total Liabilities
Pinjaman dari Pemerintah 26.593 372.184
Loans for Government
Persentase terhadap Jumlah Liabilitas 0,05% 0,83%
Percentage of Total Liabilities
Surat Berharga yang Diterbitkan 1.245.00 1.916.100
Issued Securities
Persentase terhadap Jumlah Liabilitas 2,49% 4,26%
Percentage of Total Liabilities
Biaya Bunga Bank 965.611 557.520
Interest Expense on Bank
Persentase terhadap Jumlah Beban 5,15% 3,00%
Percentage of Total Expenses
Persentase terhadap Jumlah Beban 5,15% 3,00%
Percentage to Total Expenses
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Perubahan Peraturan
Perundang-undangan
yang Berdampak terhadap
Perusahaan
Changes in Law Regulations that has Impact on the Company
Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
1. Undang-undang Nomor Peraturan yang bertujuan untuk mewujudkan upaya pengembangan • kewajiban melaksanakan prinsip
4 Tahun 2023 tentang dan penguatan sektor keuangan serta memperkuat pengawasan tata kelola perusahaan yang baik;
Pengembangan dan terhadap lembaga jasa keuangan. • kewajiban menerapkan manajemen
Penguatan Sektor The regulation aims to realize efforts in the development and risiko secara efektif;
Keuangan strengthening of the financial sector as well as enhancing • Kewajiban untuk memenuhi tingkat
Law Number 4 of supervision over financial institutions. kesehatan Perusahaan.
2023 concerning the • The obligation to implement good
Development and corporate governance principles;
Strengthening of the • The obligation to apply effective
Financial Sector risk management;
• The obligation to meet the
company’s health standards.
2. Peraturan Pemerintah Peraturan yang berkaitan dengan penyerahan pelaksanaan Pada saat Peraturan Pemerintah
Pengganti Undang-Undang sebagian pekerjaan kepada Perusahaan lain (alih daya) akan diatur mengenai alih daya telah disahkan,
Nomor 2 Tahun 2022 oleh Pemerintah, dimana sebelumnya ketentuan dimaksud dihapus maka PT Pegadaian wajib segera
Tentang Cipta Kerja melalui UU 11 Tahun 2020 melakukan tinjauan kesesuaian jenis-
Law Number 6 of 2023 Regulations related to facilitating, protecting, and enhancing jenis pekerjaan yang dapat dialih
regarding the Enactment the investment ecosystem as well as regulations in the field of dayakan berdasarkan Peraturan
of Government Regulation employment. Pemerintah dimaksud
in Lieu of Law Number 2 When the Government Regulation
of 2022 Concerning Job regarding outsourcing has been
Creation into Law. passed, PT Pegadaian is obliged to
immediately carry out a review of
the suitability of the types of work
that can be outsourced based on the
Government Regulation in question.
3. Undang-undang Nomor Peraturan yang bertujuan untuk mewujudkan upaya pengembangan • Kewajiban melaksanakan prinsip
4 Tahun 2023 tentang dan penguatan sektor keuangan serta memperkuat pengawasan tata kelola perusahaan yang baik;
Pengembangan dan terhadap lembaga jasa keuangan. • Kewajiban menerapkan manajemen
Penguatan Sektor Regulations that aim to realize efforts to develop and strengthen risiko secara efektif;
Keuangan the financial sector and strengthen supervision of financial service • Kewajiban untuk memenuhi tingkat
Government Regulation institutions. kesehatan Perusahaan.
Number 5 of 2023 • Obligation to implement the
concerning the principles of good corporate
Investigation of Criminal governance;
Acts in the Financial • Obligation to implement risk
Services Sector. management effectively;
• Obligation to meet the Company's
health level.
4. PERMENKO Nomor 1 Tahun • Pegadaian wajib melakukan pemeriksaan terhadap calon Penyesuaian ketentuan terkait
2023 Tentang Perubahan Penerima KUR melalui sistem layanan informasi keuangan; KUR Super Mikro sebagaimana
Atas Peraturan Menteri • Pegadaian membuat dan menyampaikan laporan atas ketentuan mandatory berdasarkan
Koordinator Bidang pelaksanaan Penyaluran KUR setiap bulan, paling lama pada Peraturan Pemerintah ini.
Perekonomian Republik tanggal 10 bulan berikutnya;
Indonesia Nomor 1 Tahun • Terdapat ketentuan suku bunga/margin pada KUR Super Mikro Apabila PT Pegadaian tidak melakukan
2022 Tentang Pedoman sebesar 3% per tahun; penyesuaian berdasarkan Peraturan
Pelaksanaan Kredit Usaha • Menerapkan sistem elektronik yang terintegrasi (online system) Menteri ini, maka PT Pegadaian akan
Rakyat selambat-lambatnya pada tanggal 1 Oktober 2023. diberhentikan sementara sebagai
PERMENKO Number • Pegadaian is obliged to carry out examinations of prospective penyalur KUR.
1 of 2023 concerning KUR recipients through the financial information service system;
Amendments to the • Pegadaian makes and submits a report on the implementation Adjustment of provisions related to
Regulation of the of KUR distribution every month, no later than the 10th of the Super Micro KUR as per mandatory
Coordinating Minister for following month; provisions based on this Government
Economic Affairs of the • There is a provision for an interest rate/margin on KUR Super Regulation.
Republic of Indonesia Micro of 3% per year;
Number 1 of 2022 • Implement an integrated electronic system (online system) no If PT Pegadaian does not make
concerning Guidelines for later than October 1, 2023. adjustments based on this Ministerial
Implementing People's Regulation, then PT Pegadaian will
Business Credit be temporarily suspended as a KUR
distributor.
PT Pegadaian | 2023 Annual Report 221
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
5. Peraturan Menteri ESDM • Peraturan ini tidak bersinggungan dengan kegiatan usaha PT Peraturan Menteri ESDM ini belum
No. 16 Tahun 2022 Tentang Pegadaian; berdampak secara langsung kepada
Tata Cara Penyelenggaraan • Perdagangan karbon dapat dilakukan apabila telah memiliki izin Kegiatan Bisnis PT Pegadaian. Akan
Nilai Ekonomi Karbon usaha penyediaan tenaga listrik; tetapi, terbuka peluang bagi PT
Subsektor Pembangkit • Apabila PT Pegadaian akan melakukan kegiatan perdagangan Pegadaian apabila ingin melakukan
Tenaga Listrik karbon maka PT Pegadaian harus memiliki izin usaha kegiatan bisnis berdasarkan Peraturan
Minister of Energy penyediaan tenaga listrik. Menteri ini.
and Mineral Resources • This regulation does not relate to PT Pegadaian's business This Minister of Energy and Mineral
Regulation No. 16 of 2022 activities; Resources regulation has not had
concerning Procedures • Carbon trading can be carried out if you have a business permit a direct impact on PT Pegadaian's
for Implementing the for providing electricity; business activities. However, there is
Economic Value of Carbon • If PT Pegadaian is going to carry out carbon trading activities, an opportunity for PT Pegadaian if it
in the Electric Power PT Pegadaian must have a business license to provide electricity. wants to carry out business activities
Generation Subsector based on this Ministerial Regulation.
6. Peraturan Pemerintah No. • PT Pegadaian apabila melakukan pemanfaatan data dan saat ini PT Pegadaian memanfaatkan
10 Tahun 2023 tentang dokumen kependudukan maka dikenakan tarif sebagai berikut : data kependudukan melalui DUKCAPIL
Jenis dan Tarif atas Jenis 1. Melalui webservice NIK dengan tarif Rp1000,- per NIK untuk kegiatan bisnis tanpa biaya.
Penerimaan Negara Bukan 2. Melalui webportal NIK dengan tarif Rp1000,- per NIK Dengan berlakunya Peraturan
Pajak yang Berlaku pada 3. Melalui webservices biometrik Face Recogition dengan tarif Pemerintah ini, pemanfaatan data
Kementerian Dalam Negeri Rp3000,- per biometrik kependudukan akan dikenakan tarif
Government Regulation 4. Melalui webservices biometrik Sidik Jari dengan tarif dengan nilai tertentu. Oleh karena
no. 10 of 2023 concerning Rp2.000,- per biometrik. itu, apabila PT Pegadaian ingin tetap
Types and Tariffs for 5. PT Pegadaian dikenakan tarif PNBP untuk pemanfaat memanfaatkan data dimaksud untuk
Non-Tax State Revenues data dan dokumen kependudukan yang sebelumnya tidak kegiatan bisnis, agar PT Pegadaian
Applicable to the Ministry dikenakan, sebagaimana yang telah dimuat dalam PKS menyiapkan anggaran untuk
of Home Affairs antara PT Pegadaian dengan DUKCAPIL. memenuhi ketentuan yang diatur
• If PT Pegadaian uses population data and documents, it will be dalam Peraturan Pemerintah in
charged the following rates: Currently PT Pegadaian utilizes
1. Via the NIK webservice at a rate of Rp1000,- per NIK population data through DUKCAPIL
2. Via the NIK webportal at a rate of Rp1000,- per NIK for business activities at no cost. With
3. Via Face Recognition biometric webservices at a rate of the enactment of this Government
Rp3000,- per biometric Regulation, the use of population
4. Via Fingerprint biometric webservices at a rate of Rp2,000,- data will be charged at a certain rate.
per biometric. Therefore, if PT Pegadaian wants
5. PT Pegadaian is subject to PNBP rates for users of to continue to utilize the data in
population data and documents which were previously not question for business activities, PT
charged, as stated in the PKS between PT Pegadaian and Pegadaian must prepare a budget to
DUKCAPIL. meet the provisions stipulated in this
Government Regulation.
7. Peraturan Menteri Badan 1. Pasal 2A ayat (6) PP 72/2016 dimaksudkan agar negara tetap PT Pegadaian sebagai Anak
Usaha Milik Negara dapat melakukan kontrol terhadap anak perusahaan BUMN Perusahaan BUMN, dalam hal
Republik Indonesia Nomor melalui BUMN Induk serta terkait pula dengan perlakuan penugasan khusus dan TJSL statusnya
PER-1/MBU/03/2023 “disamakan dengan BUMN dapat dipersamakan dengan BUMN
Tentang Penugasan Khusus 2. Bentuk-bentuk pelaksanaan program TJSL antara lain: dan tunduk serta wajib mematuhi
Dan Program Tanggung a. Pembiayaan usaha mikro dan usaha kecil; dan/atau PERMEN Nomor PER-1/MBU/03/2023
Jawab Sosial Dan b. Pemberian bantuan dan/atau kegiatan lainnya, termasuk PT Pegadaian as a Subsidiary of a
Lingkungan Badan Usaha pembinaan BUMN, in terms of special assignments
Milik Negara 3. Program Pendanaan UMK dilakukan melalui pemberian: and TJSL, has the same status as a
Regulation of the Minister a. modal kerja dalam bentuk pinjaman dan/atau pembiayaan BUMN and is subject to and obliged to
of State-Owned Enterprises syariah dengan jumlah paling banyak Rp250juta; untuk comply with the Ministerial Regulation
of the Republic of mikro dan usaha kecil; dengan jasa administrasi 3% per Number PER-1/MBU/03/2023
Indonesia Number PER-1/ tahun, suku bunga flat setara 3% efektif per tahun dengan
MBU/03/2023 concerning jangka waktu/tenor pinjaman paling lama 3 tahun; dan
Special Assignments and b. prinsip bagi hasil, maka rasio bagi hasil yang diterima
Social and Environmental BUMN mulai dari 10% sampai dengan paling banyak 50%
Responsibility Programs for berdasarkan perjanjian
State-Owned Enterprises c. pendanaan tambahan dalam bentuk pinjaman dan/atau
pembiayaan syariah untuk membiayai kebutuhan yang
bersifat jangka pendek paling lama 1 tahun paling banyak
Rp100 juta
1. Article 2A paragraph (6) PP 72/2016 intended so that the state
can still exercise control over BUMN subsidiaries through the
parent BUMN and is also related to treatment "equal to BUMN
2. Forms of implementing the TJSL program include:
a. Financing micro and small businesses; and/or
b. Providing assistance and/or other activities, including
coaching
3. The UMK Funding Program is carried out by providing:
a. working capital in the form of loans and/or sharia financing
with a maximum amount of IDR 250 million; for micro and
small businesses; with administration services of 3% per
year, flat interest rate equivalent to 3% effective per year
with a maximum loan term/tenor of 3 years; And
b. profit sharing principle, the profit sharing ratio received by
BUMN starts from 10% to a maximum of 50% based on the
agreement
c. additional funding in the form of loans and/or sharia
financing to finance short-term needs for a maximum of 1
year, a maximum of IDR 100 million
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Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
8. Keputusan Bersama Keputusan Bersama MENAG, MENAKER, dan MEN PAN RB Nomor Menyesuaikan ketentuan hari cuti
MENAG, MENAKER, dan 327 Tahun 2023, Nomor 1 Tahun 2023, Nomor 1 Tahun 2023 Tentang bersama dengan merubah tanggal
MEN PAN RB Nomor 327 Perubahan Atas Keputusan Bersama MENAG, MENAKER, dan MEN dan hari cuti bersama pada Hari Raya
Tahun 2023, Nomor 1 PAN RB Nomor 1066 Tahun 2022, Nomor 3 Tahun 2022, Nomor 3 Idul Fitri 1444 Hijriah Tahun 2023 dari
Tahun 2023, Nomor 1 Tahun Tahun 2022 Tentang Hari Libur Nasional Dan Cuti Bersama Tahun tanggal 21, 24, 25, dan 26 April (hari
2023 Tentang Perubahan 2023 khususnya mengenai cuti bersama pada Hari Raya Idul Fitri jumat, senin, selasa, dan rabu) menjadi
Atas Keputusan Bersama 1444 Hijriah Tahun 2023, sebagai berikut: tanggal 19, 20, 21, 24, dan 25 April (hari
MENAG, MENAKER, dan rabu, kamis, jumat, senin, dan selasa).
MEN PAN RB Nomor Pada poin B angka 3 yang merubah ketentuan lama, merubah Adjusting the provisions for collective
1066 Tahun 2022, Nomor tanggal dan hari cuti bersama pada Hari Raya Idul Fitri 1444 Hijriah leave days by changing the date and
3 Tahun 2022, Nomor 3 Tahun 2023 dari tanggal 21, 24, 25, dan 26 April (hari jumat, senin, day of collective leave on Idul Fitri
Tahun 2022 Tentang Hari selasa, dan rabu) menjadi tanggal 19, 20, 21, 24, dan 25 April (hari 1444 Hijriah 2023 from April 21, 24, 25
Libur Nasional Dan Cuti rabu, kamis, jumat, senin, dan selasa). and 26 (Friday, Monday, Tuesday and
Bersama Tahun 2023 Joint Decree of MENAG, MENAKER, and MEN PAN RB Number Wednesday) to 19, 20, 21 , April 24
Joint Decree of MENAG, 327 of 2023, Number 1 of 2023, Number 1 of 2023 concerning and 25 (Wednesday, Thursday, Friday,
MENAKER, and MEN PAN Amendments to the Joint Decree of MENAG, MENAKER, and MEN Monday and Tuesday).
RB Number 327 of 2023, PAN RB Number 1066 of 2022, Number 3 of 2022, Number 3 of
Number 1 of 2023, Number 2022 Regarding National Holidays and Collective Leave in 2023,
1 of 2023 concerning especially regarding collective leave on Eid al-Fitr 1444 Hijriah in
Amendments to the 2023, as follows:
Joint Decree of MENAG,
MENAKER, and MEN PAN In point B number 3 which changes the old provisions, changes
RB Number 1066 of 2022, the date and day of collective leave on Eid al-Fitr 1444 Hijriah
Number 3 of 2022, Number 2023 from April 21, 24, 25 and 26 (Friday, Monday, Tuesday and
3 of 2022 Regarding Wednesday) to 19 , 20, 21, 24 and 25 April (Wednesday, Thursday,
National Holidays and Friday, Monday and Tuesday).
Community Leave in 2023
9 Surat Edaran Otoritas Terdapat beberapa macam akad dalam kegiatan usaha Meskipun SEOJK ini tidak menjadi
Jasa Keuangan No. 2/ berdasarkan Prinsip Syariah, antara lain: mandatory di PT Pegadaian, akan
SEOJK.05/2022 Tentang 1. Akad dalam Kegiatan usaha penyaluran pembiayaan: tetapi dalam menerapkan Akad
Akad Yang Digunakan a. Berdasarkan prinsip bagi hasil; berdasarkan prinsip syariah, PT
Dalam Kegiatan Usaha b. Berdasarkan prinsip sewa menyewa; Pegadaian dapat merujuk ketentuan
Dan Sumber Pendanaan c. Berdasarkan prinsip jual beli; Akad sebagaimana diatur dalam
Berdasarkan Prinsip d. Berdasarkan prinsip pinjam - meminjam. SEOJK No 2/SEOJK.05/2022
Syariah Bagi Lembaga 2. Akad dalam kegiatan pengelolaan Simpanan:
Keuangan Mikro Yang a. Pengelolaan simpanan dalam bentuk tabungan yang
Melakukan Kegiatan menggunakan akad wa’diah; Even though this SEOJK is not
Usaha Berdasarkan Prinsip b. Pengelolaan simpanan dalam bentuk tabungan yang mandatory at PT Pegadaian, in
Syariah menggunakan akad mudharabah; implementing the Agreement based
Financial Services c. Pengelolaan simpanan dalam bentuk pengelolaan dana on sharia principles, PT Pegadaian
Authority Circular No. syirkah temporer berupa deposito atau tabungan dengan can refer to the provisions of the
2/SEOJK.05/2022 jangka waktu tertentu. Agreement as regulated in SEOJK No
Concerning Contracts Used 3. Akad dalam kegiatan pemberian jasa konsultasi pengembangan 2/SEOJK.05/2022
in Business Activities and usaha.
Sources of Funding Based There are several types of contracts in business activities based on
on Sharia Principles for Sharia Principles, including:
Microfinance Institutions 1. Contracts in financing distribution business activities:
Carrying Out Business a. Based on the principle of profit sharing;
Activities Based on Sharia b. Based on the principle of leasing;
Principles c. Based on the principle of buying and selling;
d. Based on the principle of borrowing - borrowing.
2. Agreement in Savings management activities:
a. Management of savings in the form of savings using wa'diah
contracts;
b. Management of savings in the form of savings using
mudharabah contracts;
c. Management of savings in the form of management of
temporary syirkah funds in the form of deposits or savings
for a certain period.
3. Agreement in the activity of providing business development
consulting services.
PT Pegadaian | 2023 Annual Report 223
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
10 Peraturan Menteri 1. Upah Minimum adalah upah bulanan terendah yang ditetapkan PT Pegadaian diwajibkan mengikuti
Ketenagakerjaan Nomor oleh Gubernur sebagai jaringan pengaman. ketentuan yang tertuang dalam
18 Tahun 2022 Tentang 2. Upah Minimum berlaku bagi Pekerja/Buruh dengan masa kerja Peraturan Menteri Ketenagakerjaan
Penetapan Upah Minimum kurang dari 1 (satu) tahun pada perusahaan yang bersangkutan. Nomor 18 Tahun 2022, guna
Tahun 2023 3. Pekerja/Buruh dengan masa kerja kurang dari 1 (satu) tahun menghindari timbulnya tuntutan atau
Minister of Manpower yang memiliki kualifikasi tertentu dapat diberikan upah lebih masalah dengan Pekerja/Buruh.
Regulation Number besar dari Upah Minimum. PT Pegadaian is required to follow the
18 of 2022 concerning 4. Kualifikasi tertentu sebagaimana dimaksud pada angka 3 provisions contained in the Minister of
Determination of Minimum meliputi: Manpower Regulation Number 18 of
Wages in 2023 a. Pendidikan; 2022, in order to avoid the emergence
b. Kompetensi; dan/ atau of claims or problems with workers/
c. Pengalaman kerja yang dipersyaratkan untuk melaksanakan laborers.
pekerjaan atau jabatan.
5. Upah bagi Pekerja/Buruh dengan masa kerja 1 (satu) tahun atau
lebih berpedoman pada struktur dan skala upah.
6. Upah Minimum terdiri atas:
a. Upah Minimum provinsi;
b. Upah Minimum Kabupaten/kota
1. Minimum Wage is the lowest monthly wage set by the Governor
as a safety net.
2. Minimum Wage applies to Workers/Labourers with less than 1
(one) year of service at the company concerned.
3. Workers/Labourers with less than 1 (one) year of service who
have certain qualifications can be given wages greater than the
Minimum Wage.
4. Certain qualifications as referred to in number 3 include:
a. Education;
b. Competence; and/or
c. Work experience required to carry out a job or position.
5. Wages for Workers/Labourers with a service period of 1 (one)
year or more are guided by the wage structure and scale.
6. Minimum Wage consists of:
a. Provincial Minimum Wage;
b. Regency/city Minimum Wage
11 Peraturan Menteri 1. Secara teknis segala hal yang diatur berkaitan dengan PT PT Bank BRI (Persero) Tbk sebagai
BUMN Nomor PER- 3/ Pegadaian sebagai Anak Perusahaan BUMN harus menaati Induk BUMN memiliki kewenangan
MBU/03/2023 tentang aturan dalam ketentuan ini yang berlaku kepada Anak dan andil yang sangat berdampak
Organ dan Sumber Daya Perusahaan BUMN. Namun terlepas dari hal tersebut, pada dalam menentukan calon Anggota
Manusia BUMN Pasal 163 ayat (3) PERMEN ini dijelaskan bahwa BUMN dapat Direksi dan Dewan Komisaris / Dewan
BUMN Ministerial memberlakukan Peraturan Menteri ini baik sebagian maupun Pengawas PT Pegadaian sebagai Anak
Regulation Number seluruhnya kepada Anak Perusahaan Perusahaan BUMN.
PER- 3/MBU/03/2023 2. Merujuk pada hal tersebut, dalam hal ini PT Bank BRI, Tbk dapat
concerning BUMN Organs menentukan PERMEN ini diberlakukan kepada PT Pegadaian
and Human Resources hanya sebatas pada yang mengatur tentang Anak Perusahaan PT Bank BRI (Persero) Tbk as the
BUMN parent of the BUMN has the authority
3. Bahwa berdasarkan Bagian Ketujuh tentang Penandatanganan and role that has a big impact in
Kontrak Manajemen Anggota Direksi Anak Perusahaan pada determining prospective members of
Pasal 62 dijelaskan bahwa Kontrak Manajemen ditandatangani the Board of Directors and Board of
oleh Direksi Anak Perusahaan dan Direksi BUMN yang Commissioners / Supervisory Board
bersangkutan. Dalam hal ini PT Pegadaian harus memperhatikan of PT Pegadaian as a Subsidiary of the
Kontrak Manajemen apabila terdapat calon anggota Direksi PT BUMN.
Pegadaian yang telah dinyatakan qualified, maka kontraknya
harus ditandatangani oleh Direksi PT Pegadaian dan Direksi PT
Bank BRI Tbk
1. Technically, all matters regulated in relation to PT Pegadaian as
a BUMN Subsidiary must comply with the rules in this provision
which apply to BUMN Subsidiaries. However, apart from this,
Article 163 paragraph (3) of this PERMEN explains that BUMN
can apply this Ministerial Regulation in whole or in part to its
Subsidiaries.
2. Referring to this, in this case PT Bank BRI, Tbk can determine
that this PERMEN applies to PT Pegadaian only to the extent
that it regulates BUMN Subsidiaries
3. That based on Part Seven concerning the Signing of
Management Contracts for Members of Subsidiary Directors
in Article 62, it is explained that the Management Contract is
signed by the Directors of the Subsidiary and the Directors
of the BUMN concerned. In this case, PT Pegadaian must pay
attention to the Management Contract. If there are prospective
members of the PT Pegadaian Board of Directors who have
been declared qualified, then the contract must be signed by
the Directors of PT Pegadaian and the Directors of PT Bank
BRI Tbk.
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Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
12 Peraturan Menteri 1. BUMN dapat memberlakukan Peraturan Menteri ini kepada PT Pegadaian yang merupakan Anak
BUMN Nomor PER-2/ Anak Perusahaan BUMN, sehingga PT Pegadaian sebagai Perusahaan PT BRI (Persero) Tbk yang
MBU/03/2023 tentang Anak Perusahaan dari PT BRI (Persero) Tbk dapat mengadopsi statusnya BUMN sehingga berdampak
Pedoman Tata Kelola Peraturan Menteri ini. pada:
dan Kegiatan Korporasi 2. Dalam Peraturan Menteri ini diatur ruang lingkup tentang : 1. penyesuaian kebijakan tata kelola
Signifikan BUMN a. Prinsip tata kelola; Perusahaan sesuai dengan lingkup
Minister of BUMN b. Penerapan manajemen risiko; Peraturan ini.
Regulation Number PER-2/ c. Penilaian tingkat kesehatan; 2. wajib ditetapkan Klasifikasi Risiko
MBU/03/2023 concerning d. Perencanaan strategis; PT Pegadaian oleh BRI.
Guidelines for Governance e. Pedoman kegiatan korporasi signifikan PT Pegadaian, which is a subsidiary
and Significant Corporate f. Penyelenggaraan teknologi informasi; dan of PT BRI (Persero) Tbk, has BUMN
Activities of BUMN g. Pelaporan. status, so it has an impact on:
3. PT BRI (Persero) Tbk melalui Direksi menetapkan klasifikasi
Risiko Anak Perusahaan BUMN berdasarkan tingkat Intensitas 1. adjustments to the Company's
Risiko dengan mempertimbangkan dimensi ukuran dan governance policies in accordance
kompleksitas. with the scope of this Regulation.
1. BUMN can apply this Ministerial Regulation to BUMN 2. BRI must determine PT Pegadaian's
Subsidiaries, so that PT Pegadaian as a Subsidiary of PT BRI Risk Classification.
(Persero) Tbk can adopt this Ministerial Regulation.
2. This Ministerial Regulation regulates the scope of:
a. Governance principles;
b. Implementation of risk management;
c. Health level assessment;
d. Strategic planning;
e. Guidelines for significant corporate activities
f. Implementation of information technology; And
g. Reporting.
3. PT BRI (Persero) Tbk through the Board of Directors determines
the Risk classification of BUMN Subsidiaries based on the level
of Risk Intensity by considering the dimensions of size and
complexity.
13 Peraturan Otoritas Jasa 1. Pelaku Usaha Jasa Keuangan (PUJK) wajib melaksanakan PT Pegadaian selaku PUJK wajib
Keuangan Republik kegiatan untuk meningkatkan Literasi Keuangan dan Inklusi menerapkan diantaranya:
Indonesia Nomor 3 Tahun Keuangan kepada Konsumen dan/atau masyarakat sebagai 1. Kegiatan untuk meningkatkan
2023 Tentang Peningkatan program tahunan, wajib dilakukan paling sedikit 1 (satu) kali Literasi dan Inklusi Keuangan;
Literasi Dan Inklusi dalam 1 (satu) semester dan PUJK wajib mendokumentasikan 2. Laporan Literasi Keuangan; dan
Keuangan Di Sektor Jasa pelaksanaan kegiatan. 3. Laporan Inklusi Keuangan.
Keuangan Bagi Konsumen 2. PUJK wajib menyusun dan menyampaikan laporan Literasi PT Pegadaian as PUJK is obliged to
Dan Masyarakat Keuangan dan Laporan Inklusi Keuangan kepada OJK. implement, among others:
Republic of Indonesia 3. PUJK wajib menyampaikan laporan sebagaimana disebut di
Financial Services Authority atas paling lambat pada tanggal 30 November sebelum tahun 1. Activities to increase Financial
Regulation Number kegiatan dilaksanakan. Literacy and Inclusion;
3 of 2023 concerning 4. OJK dapat meminta informasi dan/atau data atas pelaksanaan 2. Financial Literacy Report; And
Increasing Literacy and kegiatan untuk meningkatkan Literasi dan Inklusi Keuangan 3. Financial Inclusion Report.
Financial Inclusion in the kepada PUJK, dimana permintaan tersebut dilakukan melalui
Financial Services Sector surat dan/atau surat elektronik.
for Consumers and the 5. PUJK wajib memenuhi permintaan informasi paling lama 10 hari
Community kerja sejak tanggal penyampaian permintaan informasi melalui
surat dan/atau surat elektronik.
1. Financial Services Business Actors (PUJK) are required to
carry out activities to increase Financial Literacy and Financial
Inclusion for Consumers and/or the public as an annual program,
must be carried out at least 1 (one) time in 1 (one) semester
and PUJK are required to document the implementation of
activities.
2. PUJK is obliged to prepare and submit a Financial Literacy
report and Financial Inclusion Report to OJK.
3. PUJK is obliged to submit the report as mentioned above
no later than November 30 before the year the activities are
carried out.
4. OJK may request information and/or data regarding the
implementation of activities to improve Financial Literacy and
Inclusion from PUJK, where the request is made via letter and/
or electronic mail.
5. PUJK is obliged to fulfill information requests no later than 10
working days from the date of submission of the information
request via letter and/or electronic mail.
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
14 Peraturan Pemerintah 1. Pengusaha Kena Pajak adalah Pengusaha yang melakukan PT Pegadaian selaku Pengusaha Kena
Republik Indonesia Nomor penyerahan Barang Kena Pajak dan/atau penyerahan Jasa Kena Pajak apabila tidak membayarkan atau
44 Tahun 2022 Tentang Pajak yang dikenai pajak berdasarkan Undang-Undang Pajak tidak memungut dan menyetorkan
Penerapan Terhadap Pertambahan Nilai. pajak atas Pajak Pertambahan Nilai
Pajak Pertambahan nilai 2. Berdasarkan ketentuan PP No. 44 tahun 2022 PT Pegadaian Barang dan Jasa dan Pajak, maka
Barang dan Jasa Dan Pajak adalah Pengusaha Kena Pajak dimana PT Pegadaian WAJIB dapat berlaku ketentuan penggelapan
Penjualan Atas Barang memungut, menyetorkan dan melaporkan pajak atas Pajak pajak
Mewah Produk Asuransi Pertambahan Nilai Barang dan Jasa dan Pajak Penjualan Atas PT Pegadaian as a Taxable
Republic of Indonesia Barang Mewah. Entrepreneur if it does not pay or does
Government Regulation 3. Bahwa dalam hal PT Pegadaian selaku Kreditur dalam not collect and remit tax on Goods
Number 44 of 2022 melakukan eksekusi/Penjualan dan/atau lelang, kepada pihak and Services Value Added Tax and Tax,
concerning Application lain, maka atas penjualan dan atau lelang atas Barang Jaminan then the tax evasion provisions may
of Value Added Tax on PT Pegadaian dapat dikenai Pajak Penyerahan Barang Kena apply
Goods and Services and Pajak, namun apabila Barang Jaminan yang digadaikan di PT
Sales Tax on Luxury Goods, Pegadaian ditebus oleh debitur maka hal tersebut tidak dikenai
Insurance Products pajak.
1. Taxable Entrepreneurs are Entrepreneurs who deliver Taxable
Goods and/or provide Taxable Services which are subject to tax
based on the Value Added Tax Law.
2. Based on the provisions of PP no. 44 of 2022 PT Pegadaian
is a Taxable Entrepreneur where PT Pegadaian MUST collect,
deposit and report taxes on Value Added Tax on Goods and
Services and Sales Tax on Luxury Goods.
3. Whereas in the event that PT Pegadaian as the Creditor carries
out the execution/sale and/or auction, to another party, then
the sale and/or auction of PT Pegadaian's Collateral Goods may
be subject to Taxable Delivery Tax, however if the Collateral
Goods that are pawned at PT Pegadaian are redeemed by the
debtor then this is not subject to tax.
15 Undang-undang Nomor Cluster Ketenagakerjaan (khusus Alih Daya) Ketentuan Pasal 64 UU Pada saat Peraturan Pemerintah
6 Tahun 2023 tentang No 6 tahun 2023 dapat diketahui bahwa secara penuh mengadopsi mengenai alih daya telah disahkan,
Penetapan Peraturan Pasal 64 Peraturan Pemerintah Pengganti Undang- Undang No 2 maka PT Pegadaian wajib segera
Pemerintah Pengganti Tahun 2022 tentang Cipta, sebagai berikut: melakukan tinjauan kesesuaian jenis-
Undang-undang Nomor 2 1. Perusahaan dapat menyerahkan sebagian pelaksanaan jenis pekerjaan yang dapat dialih
Tahun 2022 Tentang Cipta pekerjaan kepada Perusahaan lainnya melalui perjanjian alih dayakan berdasarkan Peraturan
Kerja Menjadi Undang- daya yang dibuat secara tertulis. Pemerintah dimaksud
undang 2. Pemerintah menetapkan sebagian pelaksanaan pekerjaan When the Government Regulation
Law Number 6 of 2023 sebagaimana dimaksud pada ayat (1). regarding outsourcing has been
concerning Stipulation of 3. Ketentuan lebih lanjut mengenai penetapan sebagian passed, PT Pegadaian is obliged to
Government Regulations pelaksanaan pekerjaan sebagaimana dimaksud pada ayat (2) immediately carry out a review of
in Lieu of Law Number 2 diatur dalam Peraturan Pemerintah. the suitability of the types of work
of 2022 concerning Job Employment Cluster (specifically Outsourcing) The provisions of that can be outsourced based on the
Creation Becoming Law Article 64 of Law No. 6 of 2023 can be seen to fully adopt Article Government Regulation in question.
64 of the Government Regulation in Lieu of Law No. 2 of 2022
concerning Copyright, as follows:
1. The Company can hand over part of the work implementation
to another Company through an outsourcing agreement made
in writing.
2. The government determines some of the work implementation
as intended in paragraph (1).
3. Further provisions regarding the determination of part of
the work implementation as intended in paragraph (2) are
regulated in a Government Regulation.
16 PERMENKEU Nomor 41 1. Dalam hal Penyerahan Agunan yang Diambil Alih (AYDA) oleh Penyesuaian Dasar Pengenaan Pajak
Tahun 2023 Tentang Pajak PT Pegadaian kepada Pembeli Agunan merupakan ketentuan (DPP) dan Pajak Pertambahan Nilai
Pertembahan Nilai Atas terbaru yang berlaku bagi kreditur yang menjalankan kegiatan (PPN) terhadap hasil penjualan barang
Penyerahan Agunan yang usaha berdasarkan hukum gadai, adapun besaran PPN saat agunan
Diambil Alih oleh Kreditur terutang, tata cara pemungutan, penyetoran, dan pelaporan, Adjustment of the Tax Imposition Base
Kepada Pembeli Agunan merujuk pada Pasal 3 ayat (1), ayat (2), ayat (3) dan ayat (4). (DPP) and Value Added Tax (VAT) on
PERMENKEU Number 41 2. Bahwa jumlah PPN yang dipungut, dihitung dengan the proceeds from the sale of collateral
of 2023 concerning Value menggunakan besaran tertentu sebesar 10% dari tarif PPN x goods
Added Tax on the Delivery Dasar Pengenaan Pajak (DPP) atau secara sederhana 1,1% x
of Collateral Taken Over harga jual agunan. Besaran pajak tersebut dibebankan kepada
by Creditors to Collateral pembeli lelang.
Buyers 3. Terdapat kewajiban pembeli lelang dan pemilik agunan (yang
dilelang) menyertakan NIK pada struk pembelian lelang yang
bertujuan sebagai dokumen pelaporan pajak, struk tersebut
dipersamakan sebagai faktur pajak sesuai Pasal 4.
1. In terms of the Delivery of Foreclosed Collateral (AYDA) by PT
Pegadaian to the Collateral Buyer, this is the latest provision
that applies to creditors who carry out business activities
based on pawn law, as for the amount of VAT when payable,
procedures for collection, deposit and reporting, refer to Article
3 paragraph (1), paragraph (2), paragraph (3) and paragraph
(4).
2. That the amount of VAT collected is calculated using a certain
amount of 10% of the VAT rate x Tax Imposition Base (DPP) or
simply 1.1% x the selling price of the collateral. The amount of
the tax is borne by the auction buyer.
3. There is an obligation for auction buyers and owners of
collateral (which is being auctioned) to include the NIK on the
auction purchase receipt which is intended as a tax reporting
document, the receipt is equated to a tax invoice in accordance
with Article 4.
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No. Undangan
Explanation Impacts on the Company
Regulation
17 Peraturan Otoritas Jasa 1. Lembaga Keuangan Mikro yang selanjutnya disingkat LKM Kegiatan Usaha LKM khususnya
Keuangan Republik adalah Lembaga keuangan yang khusus didirikan untuk berdasarkan prinsip syariah
Indonesia Nomor 19 memberikan jasa pengembangan usaha dan pemberdayaan menggunakan akad mudharabah,
Tahun 2021 Tentang masyarakat, baik melalui pinjaman atau pembiayaan dalam musyarakah, murabahah, ijarah, salam,
Penyelenggaraan Usaha usaha skala mikro kepada anggota dan masyarakat, pengelolaan istishna, ijarah muntahiah bit tamlik,
Lembaga Keuangan Mikro simpanan, maupun pemberian jasa konsultasi pengembangan qardh, ijarah multijasa, atau akad lain
Republic of Indonesia usaha yang tidak semata-mata mencari keuntungan. yang tidak bertentangan dengan
Financial Services Authority 2. Kegiatan usaha LKM dilakukan secara konvensional atau Prinsip Syariah serta disetujui oleh
Regulation Number berdasarkan Prinsip Syariah. Otoritas Jasa Keuangan
19 of 2021 concerning 3. LKM yang melakukan kegiatan usaha berdasarkan Prinsip
the Implementation of Syariah wajib menggunakan akad yang sesuai dengan Prinsip
Microfinance Institution Syariah. MFI business activities are specifically
Business 4. Akad yang sesuai dengan Prinsip Syariah dalam kegiatan usaha based on sharia principles, using
penyaluran Pembiayaan dilakukan dengan menggunakan akad mudharabah, musyarakah, murabahah,
mudharabah, musyarakah, murabahah, ijarah, salam, istishna, ijarah, salam, istishna, ijarah, ijarah,
ijarah muntahiah bit tamlik, qardh, ijarah multijasa, atau akad ijarah, multiservice contracts, or other
lain yang tidak bertentangan dengan Prinsip Syariah serta contracts that do not conflict with
disetujui oleh Otoritas Jasa Keuangan. Sharia Principles and are approved by
5. Sumber pendanaan LKM berasal dari Ekuitas, Simpanan, the Financial Services Authority.
Pinjaman dan/atau Hibah. LKM dilarang menerima Pinjaman
kecuali dari Warga Negara Indonesia dan/atau Badan Usaha
yang didirikan dan beroperasi di wilayah Republik Indonesia
berdasarkan perjanjian pinjam meminjam.
1. Microfinance Institutions, hereinafter abbreviated to LKM,
are financial institutions specifically established to provide
business development and community empowerment services,
either through loans or financing in micro-scale businesses to
members and the community, managing savings, as well as
providing business development consulting services that are
not solely looking for profit.
2. LKM business activities are carried out conventionally or based
on Sharia Principles.
3. MFIs that carry out business activities based on Sharia Principles
are required to use contracts that comply with Sharia Principles.
4. Contracts that are in accordance with Sharia Principles in
Financing distribution business activities are carried out using
mudharabah, musyarakah, murabahah, ijarah, salam, istishna,
ijarah, ijarah, bit tamlik, qardh, multiservice ijarah, or other
contracts that do not conflict with Sharia Principles and are
approved by the Authority. Financial Services.
5. MFI funding sources come from Equity, Savings, Loans and/or
Grants. MFIs are prohibited from accepting loans except from
Indonesian citizens and/or business entities established and
operating in the territory of the Republic of Indonesia based on
a loan agreement.
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
18 Peraturan Otoritas Jasa 1. Penyedia Jasa Keuangan (PJK) wajib menerapkan program PT Pegadaian wajib mengkinikan
Keuangan Republik APU, PPT, dan PPPSPM secara efektif dengan memperhatikan ketentuan internal terkait Program
Indonesia Nomor 8 Tahun risiko TPPU, TPPT, dan/atau PPPSPM serta kegiatan, skala APU, PPT dan PPPSPM sesuai dengan
2023 Tentang Penerapan usaha, kompleksitas usaha, dan/atau karakteristik usaha PJK POJK 8 Tahun 2023 secara efektif
Penerapan Program yang mencakup: dengan memperhatikan aspek risiko
Anti Pencucian Uang, a. Pengawasan aktif direksi dan dewan komisaris; TPPU, TPPT, dan/atau PPPSPM serta
Pencegahan Pendanaan b. Kebijakan dan prosedur; Kegiatan, skala usaha, kompleksitas
Terorisme, Dan Pencegahan c. Pengendalian intern; usaha, dan/atau karakteristik usaha.
Pendanaan Proliferasi d. Sistem informasi manajemen; dan
Senjata Pemusnah Massal e. Sumberdaya manusia dan pelatihan
Di Sektor Jasa Keuangan 2. PJK wajib memiliki kebijakan, pengawasan, dan prosedur. PT Pegadaian is obliged to update
Republic of Indonesia 3. Kewajiban Penyusunan dan Penyampaian Individual Risk internal provisions related to the
Financial Services Assessment (IRA). APU, PPT and PPPSPM Programs
Authority Regulation 4. Penegasan Kewajiban Penerapan CDD dan ketentuan Diaspora. in accordance with POJK 8 of 2023
Number 8 of 2023 5. Penyempurnaan persyaratan dan tata cara Verifikasi secara effectively by taking into account the
concerning Implementation elektronik (E-KYC). risk aspects of TPPU, TPPT, and/or
of Anti-Money Laundering 6. Sanksi Administratif PPPSPM as well as activities, business
Programs, Prevention of a. Pengaturan pelanggaran pelaporan scale, business complexity, and/or
Terrorism Financing, and b. Peningkatan batas atas denda business characteristics.
Prevention of Funding 7. Penundaan/ Penghentian Transaksi terkait dengan TPPU, TPPT,
for the Proliferation dan/atau PPSPM.
of Weapons of Mass 8. Pengaturan PPPSPM.
Destruction in the Financial 9. OJK memberikan waktu transisi selama 6 (enam) bulan untuk
Services Sector dilakukan penyesuaian
1. Financial Services Providers (PJK) are required to implement
APU, PPT, and PPPSPM programs effectively by taking into
account the risks of TPPU, TPPT, and/or PPPSPM as well as
activities, business scale, business complexity, and/or PJK
business characteristics which include:
a. Active supervision of the board of directors and board of
commissioners;
b. Policies and procedures;
c. Internal control;
d. Management information System; And
e. Human resources and training
2. PJK is required to have policies, supervision and procedures.
3. Obligation to Prepare and Submit an Individual Risk Assessment
(IRA).
4. Affirmation of the Obligation to Implement CDD and Diaspora
provisions.
5. Refinement of requirements and procedures for electronic
verification (E-KYC).
6. Administrative Sanctions
a. Reporting violation settings
b. Increase in the upper limit of fines
7. Postponement/Termination of Transactions related to TPPU,
TPPT, and/or PPSPM.
8. PPPSPM Settings.
9. OJK provides a transition period of 6 (six) months for
adjustments to be made
19 Peraturan Menteri Terdapat perbedaan tugas dan wewenang Komite Audit yang Melakukan Penyesuaian terhadap
BUMN Nomor PER-2/ diatur dalam Keputusan Dewan Komisaris Nomor: KEP-05/KP/ Keputusan Dewan Komisaris Nomor:
MBU/03/2023 tentang DK.GD/09/2018 dengan PERMEN BUMN No: Per-2/Mbu/03/2023, KEP-05/ KP/ DK.GD/ 09/ 2018
Pedoman Tata Kelola diantaranya belum mengatur ketentuan mengenai: dengan PERMEN BUMN No: Per-2/
dan Kegiatan Korporasi 1. Komite Audit memastikan SPI melakukan komunikasi dengan Mbu/03/2023 terkait dengan Tugas
Signifikan BUMN (Khusus Direksi, Dewan Komisaris/Dewan Pengawas, dan Auditor dan Wewenang dan Tanggung Jawab
DEKOM) Eksternal; Komite Audit.
Minister of BUMN 2. Komite Audit mengevaluasi kinerja SPI; Making adjustments to the Decree
Regulation Number PER-2/ 3. Komite Audit memberikan rekomendasi kepada Dewan of the Board of Commissioners
MBU/03/2023 concerning Komisaris/Dewan Pengawas terkait penyusunan rencana audit, Number: KEP-05/ KP/ DK.GD/ 09/
Guidelines for Governance ruang lingkup, dan anggaran SPI; 2018 with PERMEN BUMN No: Per-2/
and Significant Corporate 4. Komite Audit memastikan SPI melakukan komunikasi dengan Mbu/03/2023 relating to the Duties
Activities of BUMN Direksi, Dewan Komisaris/Dewan Pengawas, dan Auditor and Authorities and Responsibilities of
(Especially for DEKOM) Eksternal; the Audit Committee.
There are differences in the duties and authorities of the
Audit Committee as regulated in the Decree of the Board of
Commissioners Number: KEP-05/KP/DK.GD/09/2018 and the
BUMN Ministerial Regulation No: Per-2/Mbu/03/2023, including
that it does not yet regulate provisions regarding:
1. The Audit Committee ensures that SPI communicates with
the Board of Directors, Board of Commissioners/Supervisory
Board, and External Auditors;
2. The Audit Committee evaluates SPI's performance;
3. The Audit Committee provides recommendations to the Board
of Commissioners/Supervisory Board regarding the preparation
of the audit plan, scope and budget of SPI;
4. The Audit Committee ensures that SPI communicates with
the Board of Directors, Board of Commissioners/Supervisory
Board, and External Auditors;
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No. Undangan
Explanation Impacts on the Company
Regulation
20 Peraturan Menteri 1. PERMEN BUMN NO: Per-3MBU/03/2023 Dewan Komisaris/ Terdapat perbedaan penetapan jumlah
BUMN Nomor PER- 3/ Dewan Pengawas BUMN dapat membentuk Komite lain Anggota Komite Pemantau Risiko yang
MBU/03/2023 tentang sebagaimana dimaksud pada ayat (1) huruf d dan/atau bukan berasal dari Dewan Komisaris
Organ dan Sumber Daya menetapkan jumlah anggota Komite yang bukan berasal dari There are differences in determining
Manusia BUMN (Khusus anggota Dewan Komisaris/Dewan Pengawas lebih dari 2 (dua) the number of Risk Monitoring
DEKOM) orang Committee members who are not from
Regulation of the Minister 2. Keputusan Dewan Komisaris Nomor: KEP-10/KP/ the Board of Commissioners
of BUMN Number PER- 3/ DK.GD/09/2020 Anggota Komite Pemantau Risiko yang bukan
MBU/03/2023 concerning berasal dari Dewan Komisaris maksimal berjumlah 3 (tiga)
Organs and Human orang.
Resources of BUMN 1. BUMN Ministerial Regulation NO: Per-3MBU/03/2023 The
(Especially for DEKOM) Board of Commissioners/Supervisory Board of BUMN can form
other Committees as intended in paragraph (1) letter d and/
or determine the number of Committee members who are not
members of the Board of Commissioners/Supervisory Board at
more than 2 (two persons
2. Board of Commissioners Decree Number: KEP-10/KP/
DK.GD/09/2020 The maximum number of members of the
Risk Monitoring Committee who are not from the Board of
Commissioners is 3 (three) people.
21 Keputusan Menteri 1. Kekerasan seksual adalah setiap perbuatan merendahkan, Apabila terjadi kekerasan seksual maka
Ketenagakerjaan Republik menghina, melecehkan dan/atau menyerang tubuh dan/ perusahaan dapat memberikan sanksi
Indonesia Nomor 88 atau fungsi reproduksi seseorang, karena ketimpangan relasi berupa:
Tahun 2023 tentang kuasa dan/atau gender, yang berakibat atau dapat berakibat 1. surat peringatan tertulis;
Pedoman Pencegahan dan penderitaan psikis dan/atau fisik termasuk yang mengganggu 2. pemindahan atau penugasan ke
Penanganan Kekerasan kesehatan reproduksi seseorang dan hilang kesempatan bekerja divisi/ bagian/ unit kerja lain;
Seksual di Tempat Kerja dengan aman dan optimal. 3. mengurangi atau bahkan
Decree of the Minister of 2. Perusahaan wajib membentuk satuan tugas pencegahan dan menghapus sebagian atau
Manpower of the Republic penanganan kekerasan seksual di tempat kerja (satuan tugas) keseluruhan dari kewenangannya
of Indonesia Number 3. Satuan tugas pencegahan dan penanganan kekerasan seksual di perusahaan;
88 of 2023 concerning di tempat kerja, bekerja dalam lingkup tempat kerja dengan 4. pemberhentian sementara
Guidelines for Preventing berpedoman pada pencegahan dan penanganan kekerasan (skorsing); dan/atau
and Handling Sexual seksual yang diatur dalam syarat kerja di perusahaan berupa 5. pemutusan hubungan kerja.
Violence in the Workplace perjanjian kerja, peraturan perusahaan atau perjanjian kerja If sexual violence occurs, the company
Bersama can provide sanctions in the form of:
1. Sexual violence is any act of degrading, insulting, harassing 1. written warning letter;
and/or attacking a person's body and/or reproductive function, 2. transfer or assignment to another
due to unequal power and/or gender relations, which results division/section/work unit;
in or could result in psychological and/or physical suffering 3. reducing or even eliminating
including disrupting a person's reproductive health and loss of part or all of his authority in the
health. opportunity to work safely and optimally. company;
2. Companies are required to form a task force to prevent and 4. temporary dismissal (suspension);
handle sexual violence in the workplace (task force) and/or
3. The task force for preventing and handling sexual violence 5. work termination.
in the workplace, works within the workplace based on the
prevention and handling of sexual violence as regulated in the
company's work conditions in the form of work agreements,
company regulations or collective work agreements.
22 Peraturan Menteri 1. Perusahaan wajib melaksanakan penanggulangan Tuberkulosis Menyusun Kebijakan Penanggulangan
Ketenagakerjaan di Tempat Kerja. Tuberkulosis di tempat kerja.
Republik Indonesia 2. Penanggulangan Tuberkulosis di Tempat Kerja merupakan Develop a Tuberculosis Control Policy
Nomor 13 Tahun 2022 upaya keselamatan dan Kesehatan kerja yang diselenggarakan in the workplace.
tentang Penanggulangan oleh unit pelayanan Kesehatan.
Tuberkulosis di Tempat 3. Perusahaan wajib menyusun kebijakan Penanggulangan
Kerja Tuberkulosis di Tempat Kerja.
Regulation of the Minister of 4. Berdasarkan hasil penelusuran kami pada Arsip Digital sehingga
Manpower of the Republic diketahui bahwa saat ini PT Pegadaian belum memiliki Kebijakan
of Indonesia Number 13 of terkait Penanggulangan Tuberkulosis.
2022 concerning Control 1. Companies are obliged to implement Tuberculosis prevention
of Tuberculosis in the in the Workplace.
Workplace 2. Combating Tuberculosis in the Workplace is an occupational
safety and health effort organized by the Health service unit.
3. Companies are required to develop a Tuberculosis Management
policy in the Workplace.
4. Based on the results of our search in the Digital Archives, it
is known that currently PT Pegadaian does not have a policy
regarding Tuberculosis Management.
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Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
23 Peraturan Menteri 1. Bahwa Kebijakan internal PT Pegadaian lebih rinci dalam Penyesuaian BOD Charter terhadap
BUMN Nomor PER- 2/ mengatur tentang Benturan kepentingan Direksi. PERMEN 02/2023
MBU/03/2023 tentang 2. Bahwa dalam PERMEN 02/2023 tidak diatur secara terperinci Adjustment of the BOD Charter to
Pedoman Tata Kelola mengenai tata tertib Rapat Direksi. PERMEN 02/2023
dan Kegiatan Korporasi 3. Bahwa dalam PERMEN 02/2023 tidak diatur mengenai Risalah
Signifikan BUMN (Khusus Rapat yang harus ditandatangani oleh Seluruh direksi dan
DIREKSI dan Komite Tata Dewan Komisaris yang Hadir.
Kelola) 4. Bahwa dalam ketentuan yang tertuang dalam PERMEN
Minister of BUMN 02/2023 Tidak diatur mengenai Sekretaris Perusahaan yang
Regulation Number bertanggung jawab atas pelaksanaan program Pengenalan
PER- 2/MBU/03/2023 direksi
concerning Guidelines for 5. Bahwa tidak terdapat ketentuan mengenai waktu pelaksanaan
Governance and Significant program pengenalan didalam PERMEN 02/2023
Corporate Activities of 1. That PT Pegadaian's internal policy is more detailed in
BUMN (Specifically for regulating conflicts of interest of the Board of Directors.
the DIRECTORS and 2. That in PERMEN 02/2023 it is not regulated in detail regarding
Governance Committee) the rules and regulations for Directors' Meetings.
3. That in PERMEN 02/2023 there is no regulation regarding the
Minutes of Meeting which must be signed by all directors and
board of commissioners present.
4. That the provisions contained in PERMEN 02/2023 do not
regulate the Corporate Secretary who is responsible for the
implementation of the Board of Directors Introduction program
5. That there are no provisions regarding the implementation time
of the introduction program in PERMEN 02/2023
24 Peraturan Menteri 1. PT Pegadaian selaku Pengusaha atau pemberi kerja 1. PT Pegadaian wajib melaporkan
Ketenagakerjaan Nomor wajib melaporkan Gaji/Upah Buruh/pekerja kepada BPJS calon penerima bantuan subsidi
10 Tahun 2022 Tentang Ketenagakerjaan. Gaji/Upah apabila ada karyawan
Pedoman Pemberian 2. BPJS Ketenagakerjaan akan melakukan validasi atas Daftar yang memenuhi syarat;
Bantuan Pemerintah Calon Penerima bantuan berupa subsidi Gaji/upah. 2. Apabila PT Pegadaian tidak
Berupa Subsidi Gaji/Upah 3. Daftar Calon Penerima bantuan ditetapkan oleh KPA. memberikan data yang sebenarnya
Bagi Pekerja/Buruh 4. Bantuan disalurkan oleh Bank/Pos; maka akan dikenakan sanksi sesuai
Minister of Manpower 5. Bantuan berlaku bagi Pekerja/Buruh yang mendapatkan dengan peraturan perundang-
Regulation Number gaji paling banyak sebesar Rp 3.500.000, dan dalam kondisi undangan.
10 of 2022 concerning tertentu (kondisi tertentu yang dimaksud adalah kondisi dimana 1. PT Pegadaian is obliged to report
Guidelines for Providing terjadinya wabah Covid-19); potential recipients of salary/
Government Assistance in 6. Apabila PT Pegadaian terdapat penerima bantuan, maka harus wage subsidy assistance if there
the Form of Salary/Wage memenuhi persyaratan sebagai berikut: are employees who meet the
Subsidies for Workers/ a. Warga Negara Indonesia yang dibuktikan dengan requirements;
Labourers kepemilikan nomor induk kependudukan; 2. If PT Pegadaian does not provide
b. Peserta aktif program jaminan sosial ketenagakerjaan BPJS actual data, it will be subject to
Ketenagakerjaan sampai dengan bulan Juli 2022; dan sanctions in accordance with
c. menerima Gaji/Upah paling banyak sebesar statutory regulations.
Rp3.500.000,00 (tiga juta lima ratus ribu rupiah) per bulan.
1. PT Pegadaian as an entrepreneur or employer is obliged
to report the salary/wages of workers/employees to BPJS
Employment.
2. BPJS Employment will validate the list of potential recipients of
assistance in the form of salary/wage subsidies.
3. The list of potential aid recipients is determined by the KPA.
4. Assistance distributed by Bank/Post;
5. Assistance applies to Workers/Labourers who receive a
maximum salary of IDR 3,500,000, and under certain conditions
(the specific conditions referred to are conditions where the
Covid-19 outbreak occurs);
6. If PT Pegadaian has recipients of assistance, it must meet the
following requirements:
a. Indonesian citizen as proven by ownership of a population
identification number;
b. Active participants in the BPJS Employment social security
program until July 2022; And
c. receive a maximum salary/wages of IDR 3,500,000.00
(three million five hundred thousand rupiah) per month.
230 Laporan Tahunan 2023 | PT Pegadaian
Page 231
Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
25 Peraturan Menteri 1. Bahwa didalam pasal 5 ayat (3) Permenaker No 5 Tahun 2023 Adapun dampak yang timbul terkait
Ketenagakerjaan Nomor dijelaskan mengenai penyesuaian waktu kerja yang berbunyi penyesuaian waktu kerja, maka
5 Tahun 2023 Tentang sebagai berikut: Pekerja/Buruh yang bekerja melebihi
Penyesuaian Waktu Kerja “Penyesuaian waktu kerja sebagaimana dimaksud pada ayat (2) waktu yang telah diatur dalam Pasal 5
Dan Pengupahan Pada dapat dilakukan kurang dari: ayat (3) dan pasal 77 ayat (2) Undang-
Perusahaan Industry Padat a. 7 (tujuh) jam 1 (satu) hari dan 40 (empat puluh) jam 1 (satu) Undang Nomor 11 Tahun 2021 Tentang
Karya Tertentu Berorientasi minggu untuk 6 (enam) hari kerja dalam 1 (satu) minggu; Ciptakerja maka Pekerja/Buruh berhak
Ekspor Yang Terdampak atau mendapatkan Upah Lembur.
Perubahan Ekonomi Global b. 8 (delapan) jam 1 (satu) hari dan 40 (empat puluh) jam As for the impacts that arise regarding
Minister of Manpower 1 (satu) minggu untuk 5 (lima) hari kerja dalam 1 (satu) adjustments to working time, workers/
Regulation Number minggu” laborers who work beyond the time
5 of 2023 concerning 2. Bahwa apabila PT Pegadaian mempekerjakan Pekerja/Buruh regulated in Article 5 paragraph (3)
Adjustments to Working melebihi waktu kerja sebagaimana dimaksud pada Pasal 5 ayat and Article 77 paragraph (2) of Law
Time and Wages in (3) maka Pekerja/Buruh berhak mendapat Upah Lembur. Number 11 of 2021 concerning Job
Certain Labor-Intensive 3. Bahwa dalam hal penyesuaian waktu kerja Pekerja/Buruh juga Creation, the Workers/Laborers are
Export-Oriented Industrial dapat diatur dalam perjanjian kerja, peraturan perusahaan, entitled to receive wages. Overtime.
Companies Affected by atau perjanjian kerja bersama atau berdasarkan kesepakatan
Global Economic Changes Pengusaha dengan Pekerja/Buruh
1. That in article 5 paragraph (3) Minister of Manpower Regulation
No. 5 of 2023, it is explained regarding adjustments to working
time which reads as follows:
"Working time adjustments as referred to in paragraph (2) can
be made less than:
a. 7 (seven) hours 1 (one) day and 40 (forty) hours 1 (one)
week for 6 (six) working days in 1 (one) week; or
b. 8 (eight) hours 1 (one) day and 40 (forty) hours 1 (one)
week for 5 (five) working days in 1 (one) week”
2. That if PT Pegadaian employs workers/laborers beyond the
working hours as intended in Article 5 paragraph (3), then the
workers/laborers are entitled to receive overtime wages.
3. Whereas adjustments to the working time of workers/laborers
can also be regulated in work agreements, company regulations,
or collective work agreements or based on agreements
between employers and workers/laborers.
26 Peraturan Menteri 1. Penyelenggaraan Uji Kompetensi dilaksanakan berdasarkan Apabila PT Pegadaian akan
Ketenagakerjaan Nomor prinsip: mengimplementasikan PERMEN
7 Tahun 2023 Tentang a. Objektif; Nomor 7 tahun 2023 maka PT
Pedoman Teknis b. Adil; Pegadaian dalam rangka Uji
Penyelenggaraan Uji c. Transparan; dan Kompetensi pengantar kerja dalam
Kompetensi Jabatan d. Akuntabel rangka perpindahan dari jabatan lain
Fungsional Pengantar Kerja 2. Dalam penyelenggaraan Uji Kompetensi, Instansi Pembina maupun dalam rangka promosi, maka
Minister of Manpower memiliki kewenangan, antara lain: harus melaksanakan Uji kompetensi
Regulation Number a. menetapkan kebijakan Uji Kompetensi; Pengantar kerja yang berpedoman
7 of 2023 concerning b. menetapkan sekretariat Uji Kompetensi; pada PERMENAKER Nomor 7 tahun
Technical Guidelines for c. menetapkan tim Penguji Kompetensi; 2023.
Implementing Competency d. menetapkan skema Uji Kompetensi; If PT Pegadaian is going to implement
Tests for Job Introduction e. menetapkan materi Uji Kompetensi; PERMEN Number 7 of 2023, then PT
Functional Positions 3. Bahwa dalam rangka mengimplementasikan Uji Kompetensi Pegadaian, in the context of the Job
pengantar Kerja maka dapat dilaksanakan secara luring dan/ Introduction Competency Test in the
atau daring yang dilaksanakan sesuai Standar Kompetensi yang context of transferring from another
ditetapkan oleh instansi pembina. position or for promotion, must carry
1. The Competency Test is carried out based on the principles: out the Job Introduction Competency
a. Objective; Test which is guided by PERMENAKER
b. Fair; Number 7 of 2023.
c. Transparent; And
d. Accountable
2. In administering the Competency Test, the Guidance Agency
has the authority, among others:
a. establish Competency Test policies;
b. determine the Competency Test secretariat;
c. establish a Competency Testing team;
d. establish a Competency Test scheme;
e. determine Competency Test materials;
3. That in order to implement the Job Introduction Competency
Test, it can be carried out offline and/or online which is carried
out in accordance with the Competency Standards set by the
supervisory agency.
27 Peraturan Menteri Badan Pengangkatan Direksi di dalam PERMEN 3 Tahun 2023 lebih Dalam BOD Charter menggunakan
Usaha Milik Negara rinci dijelaskan mengenai pencalonan dan pengangkatan Direksi frasa Lulus Uji Kemampuan dan
Republik Indonesia Nomor BUMN yang dimana secara jelas telah menjelaskan beberapa Kepatutan (fit & proper test),
: Per-3/Mbu/03/2023 aspek yang harus dipenuhi dalam rangka pengangkatan anggota namun pada PERMEN 3 Tahun 2023
Tentang Organ Dan Direksi, yang diantaranya harus memenuhi Ujian Kelayakan dan menggunakan frasa harus memenuhi
Sumber Daya Manusia Kepatutan (UKK), dan apabila anggota Direksi dinyatakan tidak Ujian Kelayakan dan Kepatutan (UKK).
Badan Usaha Milik Negara lulus UKK sesuai dengan Ketentuan sectoral maka RUPS/Menteri Meskipun secara substansi tidak
(Khusus DIREKSI dan dapat memberhentikan anggota Direksi dengan memperhatikan terdapat perbedaan, namun secara
Komite Tata Kelola) ketentuan Sektoral. frasa yang ada pada BOD Charter
Regulation of the Minister Appointment of Directors in PERMEN 3 of 2023 explains in more berbeda dengan PERMEN 3 Tahun
of State-Owned Enterprises detail regarding the nomination and appointment of BUMN 2023
of the Republic of Directors, which clearly explains several aspects that must be The BOD Charter uses the phrase Pass
Indonesia Number: Per-3/ fulfilled in order to appoint members of the Board of Directors, the Fit & Proper Test, but in PERMEN 3
Mbu/03/2023 concerning including having to fulfill the Fit and Proper Test (UKK), and if the of 2023 uses the phrase must meet the
Organs and Human members of the Board of Directors is declared not to have passed Fit and Proper Test (UKK). Even though
Resources of State-Owned the UKK in accordance with sectoral provisions, the GMS/Minister in substance there is no difference,
Enterprises (Specifically can dismiss members of the Board of Directors by taking into the phrasing in the BOD Charter is
for the DIRECTORS and account Sectoral provisions. different from PERMEN 3 of 2023
Governance Committee)
PT Pegadaian | 2023 Annual Report 231
Page 232
Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
28 Peraturan Otoritas Jasa 1. Dalam mengelola risiko terkait penempatan investasi dan 1. Dalam bekerja sama dengan
Keuangan Nomor 5 Tahun menjaga kesehatan keuangan, Perusahaan harus menerapkan Perusahaan Asuransi, PT Pegadaian
2023 Tentang Perubahan prinsip kehati-hatian. dapat memastikan tidak terjadi
Kedua Atas Peraturan 2. Untuk melakukan mitigasi risiko atas penempatan investasi kegagalan Perusahaan Asuransi
Otoritas Jasa Keuangan pada Perusahaan Asuransi dengan mempertimbangkan dalam memenuhi kewajiban
Nomor 71/POJK.05/2016 kemampuan permodalan Perusahaan Asuransi dan Perusahaan pemegang polis dan tertanggung,
Tentang Kesehatan Reasuransi dalam menanggung risiko. Perusahaan Asuransi wajib setiap
Keuangan Perusahaan a. Pada Pasal 2 POJK Nomor 5 Tahun 2023 diatur sebagai waktu memenuhi persyaratan
Asuransi dan Perusahaan berikut: tingkat kesehatan keuangan.
Reasuransi • Untuk memastikan tidak terjadi kegagalan Perusahaan 2. Pengukuran tingkat kesehatan
Financial Services dalam memenuhi kewajiban pemegang polis dan keuangan Perusahaan Asuransi
Authority Regulation tertanggung, Perusahaan wajib setiap waktu memenuhi sebagai berikut:
Number 5 of 2023 persyaratan tingkat kesehatan keuangan. a. Tingkat Solvabilitas;
concerning the Second • Pengukuran tingkat kesehatan keuangan Perusahaan b. Cadangan teknis;
Amendment to Financial sebagaimana dimaksud pada ayat (1) meliputi: c. Kecukupan Investasi;
Services Authority • Tingkat Solvabilitas; d. Ekuitas;
Regulation Number 71/ • cadangan teknis; e. Dana Jaminan;
POJK.05/2016 concerning • kecukupan investasi; f. Aset Yang Diperkenankan;
the Financial Health of • Ekuitas; g. Aset asuransi yang dikaitkan
Insurance Companies and • Dana Jaminan; dengan investasi;
Reinsurance Companies • Aset Yang Diperkenankan; h. Ketentuan lain yang
• Aset asuransi yang dikaitkan dengan investasi; dan berhubungan dengan
• ketentuan lain yang berhubungan dengan kesehatan kesehatan keuangan.
keuangan 1. In collaborating with Insurance
b. Pada saat program penjaminan polis berlaku, ketentuan Companies, PT Pegadaian
mengenai Dana Jaminan sebagaimana dimaksud pada can ensure that the Insurance
ayat (2) huruf e hanya berlaku untuk Perusahaan Asuransi Company does not fail to fulfill the
yang tidak memenuhi persyaratan untuk menjadi peserta obligations of policy holders and
program penjaminan polis dan Perusahaan Reasuransi insureds. The Insurance Company
1. In managing risks related to investment placement and is obliged to fulfill the financial
maintaining financial health, the Company must apply the health level requirements at all
principle of prudence. times.
2. To mitigate risks regarding investment placement with 2. Measurement of the level of
Insurance Companies by considering the capital capacity of financial health of an Insurance
Insurance Companies and Reinsurance Companies to bear risks. Company is as follows:
a. In Article 2 POJK Number 5 of 2023 it is regulated as a. Solvency Level;
follows: b. Technical reserves;
• To ensure that the Company does not fail to fulfill c. Investment Adequacy;
the obligations of policyholders and insureds, the d. Equity;
Company is obliged to fulfill the financial health level e. Guarantee Fund;
requirements at all times. f. Allowable Assets;
• Measurement of the Company's financial health level as g. Insurance assets linked to
referred to in paragraph (1) includes: investments;
• Solvency Level; h. Other provisions related to
• technical reserves; financial health.
• investment adequacy;
• Equity;
• Guarantee Fund;
• Allowable Assets;
• Insurance assets linked to investments; And
• other provisions related to financial health
b. When the policy guarantee program is in effect, the
provisions regarding the Guarantee Fund as intended in
paragraph (2) letter e only apply to Insurance Companies
that do not meet the requirements to become participants in
the policy guarantee program and Reinsurance Companies
232 Laporan Tahunan 2023 | PT Pegadaian
Page 233
Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
29 Peraturan Bank Indonesia 1. Penyelenggara adalah setiap pihak, baik bank maupun Dalam hal penyelenggara tidak
Nomor 3 Tahun 2023 lembaga selain bank, yang melakukan kegiatan yang diatur melakukan kewajiban maka dapat
Tentang Pelindungan dan diawasi oleh Bank Indonesia yang produk dan/atau jasanya dikenakan sanksi berupa:
Konsumen Bank Indonesia dimanfaatkan oleh Konsumen. 1. peringatan tertulis;
Bank Indonesia Regulation 2. Penyelenggara berkewajiban dalam penerapan prinsip: 2. pembatasan produk dan/atau
Number 3 of 2023 a. kesetaraan dan perlakuan yang adil; layanan dan/atau kegiatan usaha
concerning Bank Indonesia b. keterbukaan dan transparansi; untuk Sebagian atau seluruhnya;
Consumer Protection c. edukasi dan literasi; 3. pembekuan produk dan/atau
d. perilaku bisnis yang bertanggung jawab; layanan dan/atau kegiatan usaha
e. perlindungan aset Konsumen terhadap penyalahgunaan; untuk Sebagian atau seluruhnya;
f. pelindungan data dan informasi konsumen; 4. pemberhentian pengurus;
g. penanganan dan penyelesaian pengaduan yang efektif; 5. denda administrative;
h. penegakan kepatuhan. 6. pencabutan izin produk dan/atau
3. Penyelenggara memiliki hak untuk: layanan; dan/atau
a. menerima pembayaran sesuai dengan nilai atau harga, 7. pencabutan izin usaha.
dan/atau biaya terhadap produk dan/atau layanan yang
disepakati dengan Konsumen; If the organizer does not carry out
b. memastikan adanya iktikad baik Konsumen; its obligations, it may be subject to
c. mendapatkan informasi dan/atau dokumen yang jelas, sanctions in the form of:
akurat, benar, dan tidak menyesatkan mengenai Konsumen; 1. written warning;
d. mendapat pelindungan hukum dari tindakan Konsumen 2. restrictions on products and/or
yang beriktikad tidak baik; services and/or business activities
e. melakukan pembelaan diri di dalam penyelesaian sengketa in part or in whole;
Konsumen, berdasarkan ketentuan peraturan perundang- 3. freezing of products and/or
undangan; services and/or business activities
f. mendapatkan rehabilitasi nama baik apabila terbukti secara in part or in whole;
hukum bahwa kerugian Konsumen tidak diakibatkan oleh 4. dismissal of management;
Penyelenggara; dan 5. administrative fines;
g. hak lain yang diatur dalam ketentuan peraturan perundang- 6. revocation of product and/or
undangan. service permits; and/or
1. Organizer is any party, whether a bank or non-bank institution, 7. revocation of business license.
which carries out activities regulated and supervised by Bank
Indonesia whose products and/or services are utilized by
consumers.
2. The organizer is obliged to implement the principles:
a. equality and fair treatment;
b. openness and transparency;
c. education and literacy;
d. responsible business conduct;
e. protection of Consumer assets against misuse;
f. protecting consumer data and information;
g. effective complaint handling and resolution;
h. compliance enforcement.
3. The organizer has the right to:
a. receive payment according to the value or price, and/or cost
of the product and/or service agreed with the Consumer;
b. ensure the good faith of consumers;
c. obtain clear, accurate, correct and not misleading
information and/or documents regarding Consumers;
d. receive legal protection from consumer actions with bad
intentions;
e. carry out self-defense in resolving consumer disputes,
based on the provisions of statutory regulations;
f. receive reputation rehabilitation if it is legally proven that
the Consumer's loss was not caused by the Organizer; And
g. other rights regulated in statutory provisions.
30 Surat Edaran Nomor: Himbauan Pemerintah Provinsi DKI Jakarta dalam Surat Edaran Dalam upaya mendukung persiapan
E-0021/SE/2023 Tentang Nomor: E- 0021/SE/2023 Tentang Himbauan Pelaksanaan Bekerja & penyelenggaraan KTT ASEAN ke-
Himbauan Pelaksanaan Di Rumah (Work From Home) Bagi Perusahaan Swasta, BUMN, Dan 43 pada tanggal 4 September s.d 7
Bekerja Di Rumah BUMD Di Wilayah Provinsi DKI Jakarta, sebagai berikut: September 2023 PT Pegadaian dapat
(Work From Home) Bagi 1. melaksanakan pekerjaan melalui kombinasi bekerja di rumah melaksanakan pekerjaan melalui
Perusahaan Swasta, BUMN, (work form home) dan bekerja di kantor (work from office) kombinasi bekerja di rumah (work form
Dan BUMD Di Wilayah dengan menyesuaikan sifat dan jenis pekerjaan pada periode home) dan bekerja di kantor (work
Provinsi DKI Jakarta persiapan & penyelenggaraan KTT ASEAN ke-43 pada tanggal from office) dengan menyesuaikan
4 September s.d 7 September 2023; sifat dan jenis pekerjaan.
2. perlu diberitahukan bahwa akan dilaksanakan rekayasa lalulintas
dengan melakukan buka tutup jalan di area venue-venue KTT In an effort to support the preparation
ASEAN (Hotel dan Tempat Pertemuan Tingkat Tinggi); & holding of the 43rd ASEAN Summit
3. bahwa operasional transportasi umum (MRT, LRT, Transjakarta) on 4 September to 7 September 2023,
Pemprov DKI Jakarta tetap beroperasi. PT Pegadaian can carry out work
The DKI Jakarta Provincial Government's appeal in Circular through a combination of working at
Number: E-0021/SE/2023 concerning the Appeal for Implementing home (work form home) and working
Work from Home for Private Companies, BUMN and BUMD in the in the office (work from office) by
DKI Jakarta Province Area, is as follows: adjusting the nature and type of work.
1. carrying out work through a combination of working from home
(work form home) and working in the office (work from office)
by adjusting the nature and type of work during the preparation
& holding period of the 43rd ASEAN Summit on 4 September
to 7 September 2023;
2. need to be informed that traffic engineering will be carried out
by opening and closing roads in the area of the ASEAN Summit
venues (Hotels and High-Level Meeting Places);
3. that the DKI Jakarta Provincial Government's public
transportation operations (MRT, LRT, Transjakarta) continue to
operate.
PT Pegadaian | 2023 Annual Report 233
Page 234
Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
31 Peraturan Otoritas Jasa 1. Pihak dalam melaksanakan Kegiatan Jasa Keuangan wajib 1. PT Pegadaian dalam menggunakan
Keuangan Republik menggunakan Akuntan Publik (AP) dan Kantor Akuntan AP dan KAP harus sesuai dengan
Indonesia Nomor 9 Tahun Publik (KAP) yang terdaftar OJK; tercatat pada daftar AP dan aturan ini apabila tidak maka
2023 tentang Penggunaan KAP yang aktif pada OJK; dan memiliki kompetensi sesuai dianggap tidak memenuhi
Jasa Akuntan Publik dan kompleksitas usaha PT Pegadaian. kewajiban terhadap laporan audit
Kantor Akuntan Publik 2. Kewajiban Pihak menggunakan AP dan KAP sesuai persyaratan dan dikenai sanksi oleh OJK.
dalam Kegiatan Jasa OJK dilaksanakan terhadap laporan yang wajib diaudit atau 2. Jika Anggaran Dasar PT Pegadaian
Keuangan Instruksi dari OJK. tidak mengatur mata agenda
Republic of Indonesia 3. OJK dapat memberikan instruksi tertulis kepada Pihak untuk persetujuan penunjukan AP dan/
Financial Services melakukan audit atau pemeriksaan ulang terhadap laporan atau KAP di RUPS Tahunan, maka
Authority Regulation serta penugasan lain. perlu adanya penyesuaian terhadap
Number 9 of 2023 4. Pihak yang tidak sesuai dengan persyaratan AP dan KAP Anggaran Dasar PT Pegadaian
concerning the Use of dinyatakan tidak memenuhi kewajiban terhadap laporan yang dengan menambahkan mata
Public Accounting Services wajib diaudit, diperiksa, atau penugasan lain oleh AP. Pihak yang agenda persetujuan penunjukan
and Public Accounting melanggar tersebut dikenai sanksi sesuai dengan ketentuan AP dan/atau KAP dalam RUPS
Firms in Financial Services peraturan perundang-undangan di bidang jasa keuangan. Tahunan PT Pegadaian.
Activities 5. Dalam hal rapat umum pemegang saham tidak dapat 1. PT Pegadaian in using AP and
memutuskan penunjukan AP dan/atau KAP yang akan KAP must comply with these
memberikan jasa audit atas informasi keuangan historis rules, otherwise it will be deemed
tahunan, rapat umum pemegang saham melimpahkan not to have fulfilled its obligations
kewenangan penunjukan AP dan/atau KAP kepada dewan regarding the audit report and will
komisaris, dewan pengawas, atau pihak yang melakukan fungsi be subject to sanctions by the OJK.
pengawasan sebagaimana dilakukan oleh dewan komisaris, 2. If PT Pegadaian's Articles of
disertai penjelasan mengenai: Association do not regulate the
a. alasan pelimpahan kewenangan; dan agenda item for approving the
b. kriteria atau batasan AP dan/atau KAP yang dapat ditunjuk. appointment of AP and/or KAP
1. Parties in carrying out Financial Services Activities are required at the Annual GMS, then it is
to use Public Accountants (AP) and Public Accounting Firms necessary to make adjustments
(KAP) registered with the OJK; recorded on the list of active to the Articles of Association
APs and KAPs at the OJK; and have competence according to of PT Pegadaian by adding an
the complexity of PT Pegadaian's business. agenda item for approving the
2. The Party's obligation to use AP and KAP in accordance with appointment of AP and/or KAP at
OJK requirements is carried out in accordance with reports that PT Pegadaian's Annual GMS.
must be audited or Instructions from OJK.
3. OJK may provide written instructions to Parties to conduct
audits or re-examination of reports and other assignments.
4. Parties that do not comply with the AP and KAP requirements
are declared not to have fulfilled their obligations regarding
reports that are required to be audited, inspected or other
assignments by the AP. Those who violate this will be subject
to sanctions in accordance with the provisions of laws and
regulations in the financial services sector.
5. In the event that the general meeting of shareholders cannot
decide on the appointment of an AP and/or KAP that will
provide audit services for annual historical financial information,
the general meeting of shareholders delegates the authority to
appoint the AP and/or KAP to the board of commissioners,
supervisory board, or the party carrying out the function.
supervision as carried out by the board of commissioners,
accompanied by an explanation regarding:
a. reasons for delegation of authority; And
b. criteria or limitations of AP and/or KAP that can be
appointed.
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Page 235
Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
32 Peraturan Otoritas Jasa 1. Setiap pihak dapat menyampaikan laporan, pemberitahuan, 1. Masyarakat umum dan/atau
Keuangan Republik atau pengaduan mengenai dugaan Tindak Pidana di Sektor pekerja dapat melaporkan
Indonesia Nomor 16 tahun Jasa Keuangan kepada Otoritas Jasa Keuangan dugaan tindak pidana di sektor
2023 tentang Penyidikan 2. Laporan, pemberitahuan, atau pengaduan disampaikan secara jasa keuangan kepada OJK. Hal
Tindak Pidana di Sektor tertulis dan/atau datang secara langsung ke Otoritas Jasa ini berarti bahwa PT Pegadaian
Jasa Keuangan Keuangan. harus siap menerima laporan dan
Republic of Indonesia 3. Laporan, pemberitahuan, atau pengaduan yang disampaikan pengaduan dari masyarakat dan/
Financial Services secara tertulis, minimal mencantumkan: atau pekerja terkait dugaan tindak
Authority Regulation a. nama pelapor; pidana atau pelanggaran di sektor
Number 16 of 2023 b. identitas pelapor; jasa keuangan.
concerning Investigation c. pihak yang dilaporkan; 2. PT Pegadaian sebagai entitas
of Criminal Acts in the d. uraian kejadian dan/atau tindakan yang diduga merupakan Perusahaan tidak terlepas dengan
Financial Services Sector Tindak Pidana di Sektor Jasa Keuangan; dan dokumen adanya perikatan dengan pihak
pendukung. kedua yang menjalankan bisnisnya
4. Pada tahap Penyelidikan, pihak yang diduga melakukan Tindak dibidang Lembaga Jasa Keuangan.
Pidana di Sektor Jasa Keuangan dapat mengajukan permohonan Apabila PT Pegadaian dalam
kepada Otoritas Jasa Keuangan untuk penyelesaian perikatannya mengalami kerugian
pelanggaran atas peraturan perundang-undangan di sektor jasa yang diakibatkan oleh pihak kedua
keuangan. Permohonan penyelesaian pelanggaran, memuat: melakukan tindak pidana di bidang
a. nilai kerugian yang ditimbulkan dan dasar perhitungannya; Lembaga Jasa Keuangan, PT
b. jumlah korban yang dirugikan dan keterangan lain terkait Pegadaian berhak atas ganti rugi.
korban; 3.
c. bentuk penyelesaian kerugian dan jangka waktu 1. The general public and/or workers
penyelesaian; can report suspected criminal acts
d. klausul jika kerugian tidak diselesaikan, Otoritas Jasa in the financial services sector
Keuangan berwenang melanjutkan ke tahap Penyidikan; to the OJK. This means that PT
dan Pegadaian must be ready to
e. upaya perbaikan proses bisnis dan tata Kelola. receive reports and complaints
1. Each party can submit reports, notifications or complaints from the public and/or workers
regarding suspected criminal acts in the Financial Services regarding alleged criminal acts or
Sector to the Financial Services Authority violations in the financial services
2. Reports, notifications or complaints are submitted in writing sector.
and/or come directly to the Financial Services Authority. 2. PT Pegadaian as a corporate
3. Reports, notifications or complaints submitted in writing must entity cannot be separated from
at least include: the existence of engagements
a. name of the reporter; with second parties who carry
b. identity of the reporter; out their business in the field of
c. the reported party; Financial Services Institutions. If
d. description of the incident and/or action which is suspected PT Pegadaian in its engagement
to constitute a Criminal Act in the Financial Services Sector; suffers losses caused by a second
and supporting documents. party committing a criminal act
4. At the Investigation stage, parties suspected of committing in the field of Financial Services
criminal acts in the Financial Services Sector can submit an Institutions, PT Pegadaian is
application to the Financial Services Authority to resolve entitled to compensation.
violations of laws and regulations in the financial services
sector. Application for settlement of violations, containing:
a. the value of losses incurred and the basis for their
calculation;
b. the number of victims injured and other information related
to the victims;
c. form of loss settlement and settlement period;
d. clause if the loss is not resolved, the Financial Services
Authority has the authority to proceed to the Investigation
stage; And
e. efforts to improve business processes and governance.
33 Surat Edaran Otoritas PT Pegadaian merupakan Perusahaan Pergadaian sesuai dengan Surat Edaran Otoritas Jasa Keuangan
Jasa Keuangan Republik Ketentuan Umum angka 2 huruf k, maka termasuk dalam Lembaga Nomor 19/SEOJK.07/2022 Tentang
Indonesia Nomor 19/ Alternatif Penyelesaian Sengketa (LAPS). Tata Cara Penyusunan Rencana Kerja
Seojk.07/2022 tentang Tata Dan Anggaran Tahunan Lembaga
Cara Penyusunan Rencana PT Pegadaian is a Pegadaian company in accordance with Alternatif Penyelesaian Sengketa
Kerja dan Anggaran General Provisions number 2 letter k, therefore it is included in the Sektor Jasa Keuangan ini tidak secara
Tahunan Lembaga Alternative Dispute Resolution Institution (LAPS). langsung berdampak kepada Peraturan
Alternatif Penyelesaian Internal dari PT Pegadaian namun
Sengketa Sektor Jasa berdampak bagi pihak yang mewakili
Keuangan PT Pegadaian sebagai anggota dari
Circular Letter of the LAPS Sektor Jasa Keuangan dalam
Financial Services melakukan penyusunan RKAT.
Authority of the Republic Financial Services Authority Circular
of Indonesia Number 19/ Letter Number 19/SEOJK.07/2022
Seojk.07/2022 concerning concerning Procedures for Preparing
Procedures for Preparing Annual Work Plans and Budgets
Annual Work Plans and for Alternative Dispute Resolution
Budgets for Alternative Institutions in the Financial Services
Dispute Resolution Sector. This does not directly
Institutions in the Financial impact the Internal Regulations of
Services Sector PT Pegadaian but has an impact on
parties representing PT Pegadaian as
members. from the Financial Services
Sector LAPS in preparing the RKAT.
PT Pegadaian | 2023 Annual Report 235
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Management & Discussion Analysis
Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
34 Surat Otoritas Jasa 1. PT Pegadaian sebagai Perusahaan Terkendali oleh BRI sebagai 1. PT Pegadaian sebagai Perusahaan
Keuangan Nomor: S-2222/ emiten harus melaporkan hasil transaksi afiliasi sebagaimana Terkendali oleh BRI sebagai emiten
PM.21/2023 tentang contoh transaksi antara: harus melaporkan hasil transaksi
Pemberitahuan Kewajiban a. BRI dengan PT Pegadaian. afiliasi.
Pemenuhan Peraturan b. PT Pegadaian dengan PNM. 2. PT Pegadaian sebagai anak
Otoritas Jasa Keuangan c. PT Pegadaian dengan Galeri 24 atau Anak Perusahaan PT Perusahaan atau Perusahaan
dan Himbauan Mengenai Pegadaian lainnya. terkendali dari BRI diharapkan ikut
SMAP 2. BRI wajib melaporkan transaksi afiliasi kepada OJK paling berpartisipasi seperti BRI dalam
Financial Services Authority lambat pada 2 hari kerja setelah tanggal transaksi afiliasi. menerapkan SNI ISO 37001:2016
Letter Number: S-2222/ Sehingga apabila PT Pegadaian sebagai Perusahaan Terkendali SMAP.
PM.21/2023 concerning melakukan transaksi afiliasi melaporkan kepada BRI sebagai 1. PT Pegadaian as a company
Notification of Obligations Perusahaan pengendali sebelum mengirimkan kepada OJK. controlled by BRI as the issuer
to Fulfill Financial Services 3. Mengatur mengenai kewajiban perusahaan menyampaikan must report the results of affiliated
Authority Regulations and laporan kepada OJK atas Transaksi Afiliasi sebagaimana diatur transactions.
Advice Regarding SMAP dalam Peraturan OJK Nomor 42/POJK.04/2020 tentang 2. PT Pegadaian as a subsidiary
Transaksi Afiliasi dan Transaksi Benturan Kepentingan meskipun or controlled company of BRI is
terdapat pengecualian prosedur sebagaimana Pasal 6 POJK 42 expected to participate like BRI in
/POJK.04/2020. implementing SNI ISO 37001:2016
4. PT Pegadaian sebelum melakukan transaksi afiliasi sebaiknya SMAP.
melakukan pemberitahuan dahulu kepada BRI. Setelah
melakukan transaksi afiliasi PT Pegadaian melakukan
pemberitahuan kepada BRI sebelum BRI melakukan pelaporan
kepada OJK
5. Emiten dan Perusahaan Publik diimbau untuk turut
berpartisipasi dalam mencegah dan mengatasi praktik korupsi,
balas jasa (kickbacks), fraud, suap dan/atau gratifikasi, serta
berkomitmen dalam mendukung budaya anti penyuapan, salah
satunya dengan menerapkan SNI ISO 37001:2016 SMAP.
1. PT Pegadaian as a Company Controlled by BRI as the issuer
must report the results of affiliated transactions as an example
of transactions between:
a. BRI with PT Pegadaian.
b. PT Pegadaian with PNM.
c. PT Pegadaian with Galeri 24 or other PT Pegadaian
subsidiaries.
2. BRI is required to report affiliate transactions to the OJK no later
than 2 working days after the date of the affiliate transaction.
So if PT Pegadaian as a Controlled Company carries out affiliate
transactions, report it to BRI as the controlling Company before
sending it to the OJK.
3. Regulates the company's obligation to submit reports to the
OJK on Affiliate Transactions as regulated in OJK Regulation
Number 42/POJK.04/2020 concerning Affiliate Transactions
and Conflict of Interest Transactions even though there are
procedural exceptions as in Article 6 POJK 42 /POJK.04/2020.
4. Before carrying out affiliate transactions, PT Pegadaian should
notify BRI first. After carrying out an affiliated transaction, PT
Pegadaian provides notification to BRI before BRI reports it to
the OJK
5. Issuers and Public Companies are encouraged to participate in
preventing and overcoming corrupt practices, kickbacks, fraud,
bribery and/or gratification, and are committed to supporting
an anti-bribery culture, one of which is by implementing SNI
ISO 37001:2016 SMAP.
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Regulation
35 Permenkeu Nomor 48 1. Menteri menunjuk Pihak Lain untuk melakukan pemungutan, PT Pegadaian sebagai Perusahaan
tahun 2023 tentang Pajak penyetoran, dan/atau pelaporan Pajak Penghasilan atas yang menjalankan perdagangan emas
Penghasilan dan/atau penjualan: Batangan secara fisik maupun digital
Pajak Pertambahan Nilai a. emas Perhiasan; dan/atau juga memiliki kewajiban melakukan
atas Penjualan/Penyerahan b. emas Batangan; pemungutan, penyetoran, dan/
Emas Perhiasan, Emas c. Pajak Penghasilan yang dimaksud yaitu Pajak Penghasilan atau pelaporan atas penjualan emas
Batangan, Perhiasan Pasal 22. batangan.
yang bahan seluruhnya 2. Pihak Lain merupakan Pengusaha Emas Perhiasan dan/atau
bukan dari emas, batu Pengusaha emas batangan, sebagai subjek pajak dalam negeri PT Pegadaian as a company that
permata dan/atau batu yang terlibat langsung dalam transaksi. carries out physical and digital gold
lainnya yang sejenis, serta 3. Besarnya pungutan Pajak Penghasilan Pasal 22 yaitu sebesar bullion trading also has the obligation
jasa yang terkait dengan 0,25% (nol koma dua lima persen) dari Harga Jual Emas to collect, deposit and/or report on
emas perhiasan, emas Perhiasan dan/atau Harga Jual emas batangan. sales of gold bullion.
batangan, perhiasan yang 4. Penjualan emas batangan mencakup penjualan yang melibatkan
bahan seluruhnya bukan catatan kepemilikan emas yang dilakukan secara digital.
dari emas, dan/atau batu Mengingat perdagangan emas bukan hanya dalam bentuk fisik
permata dan/atau batu saja, tetapi bisa dilakukan dengan bentuk jasa pedagang fisik
lainnya yang sejenis yang emas digital
dilakukan oleh pabrikan 5. Pengecualian dari pemungutan Pajak Penghasilan Pasal 22
emas perhiasan, pedagang terhadap penjualan Emas Perhiasan atau emas batangan yang
emas perhiasan, dan/atau dilakukan oleh Pengusaha Emas Perhiasan dan/atau Pengusaha
pengusaha emas batangan emas batangan kepada beberapa entitas tertentu:
Minister of Finance a. penjualan kepada “Konsumen Akhir” tidak dikenakan Pajak
Regulation Number 48 of Penghasilan Pasal 22, yang mengindikasikan bahwa pajak
2023 concerning Income hanya dikenakan pada tahap-tahap sebelumnya dalam
Tax and/or Value Added rantai distribusi emas.
Tax on the Sale/Delivery b. penjualan kepada “Wajib Pajak yang dikenai Pajak
of Gold Jewelry, Gold Bars, Penghasilan yang bersifat final” yang telah memenuhi
Jewelry whose material kriteria tertentu juga tidak dikenakan Pajak Penghasilan
is not entirely made of Pasal 22. Hal ini menunjukkan adanya pengecualian
gold, gemstones and/or berdasarkan status dan karakteristik Wajib Pajak tertentu
other similar stones, as dalam konteks perpajakan yang bersifat final.
well as services related to c. pengecualian juga berlaku bagi “Wajib Pajak yang memiliki
gold jewelry, gold bullion, surat keterangan bebas pemungutan Pajak Penghasilan
jewelry whose material is Pasal 22,” yang mengacu pada pembebasan pemotongan
not entirely made of gold, dan/atau pemungutan pajak tertentu sesuai dengan
and/or gemstones and/ regulasi perpajakan yang relevan.
or other similar stones 1. The Minister appoints another Party to collect, deposit and/or
made by gold jewelry report Income Tax on sales:
manufacturers, gold a. gold Jewelry; and/or
jewelry traders, and/or b. gold bar;
gold bullion entrepreneurs c. The income tax referred to is Income Tax Article 22.
2. The other party is a gold jewelry entrepreneur and/or gold
bullion entrepreneur, as a domestic tax subject who is directly
involved in the transaction.
3. The amount of the Article 22 Income Tax levy is 0.25% (zero
point two five percent) of the selling price of gold jewelry and/
or the selling price of gold bullion.
4. Gold bullion sales include sales involving digital records of gold
ownership. Remember that gold trading is not only in physical
form, but can be done using physical digital gold trader services
5. Exemption from the collection of Income Tax Article 22 on sales
of Gold Jewelry or gold bullion carried out by Gold Jewelry
Entrepreneurs and/or gold bullion Entrepreneurs to certain
entities:
a. sales to “Final Consumers” are not subject to Income Tax
Article 22, which indicates that tax is only imposed at earlier
stages in the gold distribution chain.
b. sales to "Taxpayers subject to final Income Tax" who have
met certain criteria are also not subject to Income Tax
Article 22. This shows that there are exceptions based on
the status and characteristics of certain Taxpayers in the
context of final taxation.
c. The exception also applies to "Taxpayers who have a
certificate of exemption from collecting Income Tax Article
22," which refers to exemption from withholding and/or
collecting certain taxes in accordance with relevant tax
regulations.
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Management & Discussion Analysis
Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
36 Peraturan Presiden 1. Pemberi Kerja adalah orang perseorangan, pengusaha, badan 1. PT Pegadaian selaku Pihak
Republik Indonesia Nomor hukum, atau badan-badan lainnya yang memperkerjakan tenaga Pemberi Kerja wajib melaporkan
57 Tahun 2023 Tentang kerja dengan membayar upah atau imbalan dalam bentuk lain. dan berkolaborasi dengan
Wajib Lapor Lowongan 2. Pengantar Kerja adalah Pegawai Negeri Sipil yang diberi Pengantar Kerja yang melakukan
Pekerjaan tugas, tanggung jawab, wewenang, dan hak secara penuh oleh tugas Pelayanan Penempatan
Presidential Regulation of pejabat yang berwenang untuk melakukan kegiatan pelayanan Tenaga Kerja yang mendapatkan
the Republic of Indonesia antarkerja. informasi dari Sistem Informasi
Number 57 of 2023 3. PT Pegadaian selaku pihak Pemberi Kerja wajib Ketenagakerjaan.
concerning Mandatory menginformasikan mengenai lowongan pekerjaan yang 2. PT Pegadaian selaku pihak
Reporting of Job Vacancies dilaporkan minimal memuat antara lain: Pemberi Kerja untuk melaporkan
a. identitas Pemberi Kerja; ketersediaan lowongan
b. nama jabatan dan jumlah tenaga kerja yang dibutuhkan; pekerjaan ke dalam Sistem
c. masa berlaku lowongan pekerjaan, dan informasi jabatan, Informasi Ketenagakerjaan yang
meliputi: diselenggarakan oleh kementerian
• usia; bidang ketenagakerjaan.
• jenis kelamin; 3. Adanya sanksi administratif
• pendidikan; bagi PT Pegadaian selaku pihak
• keterampilan atau kompetensi; Pemberi Kerja apabila tidak
• pengalaman kerja; melaporkan informasi lowongan
• upah atau gaji; pekerjaan kepada Pemerintah
• domisili wilayah kerja, dan Pusat, Pemerintah Provinsi, dan/
• informasi lain terkait jabatan yang diperlukan. atau Pemerintah Daerah yang
4. PT Pegadaian sebagai Pemberi Kerja perlu meningkatkan berupa peringatan tertulis.
transparansi bagi para Pencari Kerja dalam hal ketersediaan 1. PT Pegadaian as the Employer is
informasi lowongan pekerjaan. Pada saat ini belum ada obliged to report and collaborate
Peraturan Menteri yang mengatur tentang tatacara pelaporan with Job Introductions who carry
sampai dengan pengenaan sanksi namun PT Pegadaian perlu out Labor Placement Service tasks
mempersiapkan diri dengan mulai menunjuk divisi yang akan who obtain information from the
bertanggungjawab terkait pelaporan lowongan pekerjaan Employment Information System.
tersebut, menyusun dan menetapkan peraturan yang mengatur 2. PT Pegadaian as the employer
tentang pelaporan lowongan pekerjaan. reports the availability of job
1. Employers are individuals, entrepreneurs, legal entities, or other vacancies into the Employment
bodies that employ workers by paying wages or other forms of Information System organized by
compensation. the Ministry of Manpower.
2. Work Introduction is a Civil Servant who is given full duties, 3. There are administrative
responsibilities, authority and rights by authorized officials to sanctions for PT Pegadaian as
carry out inter-work service activities. the employer if it does not report
3. PT Pegadaian as the Employer is obliged to inform you about job vacancy information to the
job vacancies that are reported to include, at a minimum, the Central Government, Provincial
following: Government and/or Regional
a. Employer identity; Government in the form of a
b. name of position and number of workers required; written warning.
c. validity period of job vacancies, and position information,
including:
• age;
• gender;
• education;
• skills or competencies;
• work experience;
• wages or salaries;
• domicile in the work area, and
• other information related to the position required.
4. PT Pegadaian as an employer needs to increase transparency
for job seekers regarding the availability of job vacancy
information. At this time there is no Ministerial Regulation that
regulates procedures for reporting up to the imposition of
sanctions, but PT Pegadaian needs to prepare itself by starting
to appoint a division that will be responsible for reporting job
vacancies, compiling and establishing regulations governing
reporting job vacancies.
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Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
37 Surat Edaran Otoritas 1. Terdapat ketentuan yang diubah pada Romawi III angka 2 Perlu membentuk pedoman penilaian
Jasa Keuangan Republik huruf l sehingga Ketentuan ini mengacu pada tindakan yang kemampuan dan kepatutan Pihak
Indonesia Nomor 32 / dapat menghambat atau mengganggu berbagai upaya dalam Utama PT Pegadaian dalam hal ini
SEOJK.05/2022 Tentang mengatasi masalah solvabilitas dan likuiditas di lembaga jasa pemegang saham pengendali (PSP),
Perubahan Atas Surat keuangan non-bank (LJKNB). Direksi, Dewan Komisaris, Dewan
Edaran Otoritas Jasa a. Ketentuan ini melarang tindakan yang dapat menghambat Pengawas Syariah berdasarkan POJK
Keuangan Nomor 15/ atau mengganggu otoritas pengawas keuangan, dalam hal yang berlaku.
SEOJK.05/2019 Tentang ini, Otoritas Jasa Keuangan (OJK), dalam melaksanakan It is necessary to form guidelines
Penilaian Kembali Bagi kewenangannya dalam mengawasi dan mengatur sektor for assessing the ability and
Pihak Utama Lembaga Jasa keuangan; suitability of the Main Parties of PT
Keuangan Non-Bank b. Ketentuan ini juga melarang tindakan yang menghambat Pegadaian, in this case the controlling
Circular Letter of the atau mengganggu upaya pihak utama LJKNB, serta pihak shareholders (PSP), Directors, Board
Financial Services lain yang terlibat dalam menangani masalah solvabilitas of Commissioners, Sharia Supervisory
Authority of the Republic dan likuiditas LJKNB. Contohnya, upaya calon pemegang Board based on the applicable POJK.
of Indonesia Number saham pengendali (PSP) atau calon investor yang ingin
32 /SEOJK.05/2022 menyuntikkan modal atau berinvestasi dalam LJKNB.
concerning Amendments 2. Otoritas Jasa Keuangan dapat menetapkan hasil akhir penilaian
to the Circular Letter of kembali tanpa mengikuti seluruh langkah penilaian kembali
the Financial Services dengan pertimbangan tertentu misalnya terdapat kondisi yang
Authority Number dinilai dapat menyebabkan LJKNB berpotensi mengalami
15/SEOJK.05/2019 kesulitan yang dapat membahayakan kelangsungan usaha
concerning Reassessment LJKNB dan/atau mengancam stabilitas sistem keuangan
for Main Parties of Non- 3. Pihak Utama (Pemegang Saham Pengendali (PSP), Direksi,
Bank Financial Services Dewan Komisaris, Dewan Pengawas Syariah) dalam hal ini PT
Institutions Pegadaian harus memperhatikan ketentuan tentang kelayakan
keuangan bagi PSP atau Pengendali Perusahaan Perasuransian
yang merupakan pemegang saham atau reputasi keuangan bagi
Pengendali Perusahaan Perasuransian yang bukan merupakan
pemegang saham, dilarang menjadi:
a. Pihak Utama Pengendali atau memiliki saham pada industri
jasa keuangan non-bank dimana Pihak Utama dilakukan
penilaian kembali; dan/atau
b. Pihak Utama Pengurus dan/atau Pihak Utama Pejabat
pada industri jasa keuangan non-bank dimana Pihak Utama
dilakukan penilaian kembali.
1. There is a provision that has been amended in Roman III number
2 letter l so that this provision refers to actions that can hamper
or disrupt various efforts to overcome solvency and liquidity
problems in non-bank financial services institutions (LJKNB).
a. This provision prohibits actions that could hinder or
interfere with the financial supervisory authority, in this
case, the Financial Services Authority (OJK), in carrying
out its authority in supervising and regulating the financial
sector;
b. This provision also prohibits actions that hinder or interfere
with the efforts of the LJKNB's main parties, as well as other
parties involved in dealing with the LJKNB's solvency and
liquidity problems. For example, the efforts of prospective
controlling shareholders (PSP) or potential investors who
want to inject capital or invest in LJKNB.
2. The Financial Services Authority can determine the final results
of the reassessment without following all the reassessment
steps with certain considerations, for example there are
conditions which are considered to cause the LJKNB to
potentially experience difficulties which could endanger the
continuity of the LJKNB's business and/or threaten the stability
of the financial system
3. Main Parties (Controlling Shareholders (PSP), Directors, Board
of Commissioners, Sharia Supervisory Board) in this case PT
Pegadaian must pay attention to the provisions regarding
financial feasibility for PSP or Insurance Company Controllers
who are shareholders or financial reputation for Insurance
Company Controllers who are not shareholders, are prohibited
from being:
a. The Main Party controls or owns shares in the non-
bank financial services industry where the Main Party is
reassessed; and/or
b. Main Party Management and/or Main Party Officials in the
non-bank financial services industry where the Main Party
is reassessed.
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Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
38 Peraturan Otoritas Jasa 1. Perusahaan Pembiayaan dilarang memiliki saham dan/atau PT Pegadaian bukan merupakan
Keuangan Republik surat berharga dengan underlying berbentuk saham atau yang Perusahaan Pembiayaan (berdasarkan
Indonesia Nomor 7 / dijamin dengan saham untuk tujuan: POJK 31/2016 dan Anggaran Dasar PT
POJK.05/2022 Tentang a. investasi jangka pendek; Pegadaian), maka dari itu Peraturan
Perubahan Atas Peraturan b. jual beli; Otoritas Jasa Keuangan Republik
Otoritas Jasa Keuangan c. manajemen arus kas; dan/atau Indonesia Nomor 7/POJK.05/2022
Nomor 35/POJK.05/2018 d. penyertaan modal selain dalam rangka pengembangan Tentang Perubahan Atas Peraturan
Tentang Penyelenggaraan kegiatan usaha Perusahaan Pembiayaan. Otoritas Jasa Keuangan Nomor
Usaha Perusahaan Larangan tersebut dikecualikan untuk kepemilikan saham 35/POJK.05/2018 Tentang
Pembiayaan melalui penyertaan langsung sebagaimana dimaksud dalam Penyelenggaraan Usaha Perusahaan
Republic of Indonesia Pasal 68. Pembiayaan tidak berdampak langsung
Financial Services 2. Dalam Pasal 68 Peraturan Otoritas Jasa Keuangan Nomor 35/ bagi PT Pegadaian. Namun mengingat
Authority Regulation POJK.05/2018 Tentang Penyelenggaraan Usaha Perusahaan salah satu produk dari PT Pegadaian
Number 7 /POJK.05/2022 Pembiayaan, Perusahaan Pembiayaan hanya dapat melakukan adalah multi payment yang berbasis
concerning Amendments penyertaan langsung pada: fee base income yang bekerjasama
to Financial Services a. perusahaan di sektor jasa keuangan di Indonesia; dan/atau dan/atau dalam proses kerja sama
Authority Regulation b. perusahaan yang terkait dengan kegiatan Perusahaan dengan perusahaan pembiayaan selaku
Number 35/POJK.05/2018 Pembiayaan biller, PT Pegadaian perlu memastikan
concerning the 3. Bagi Perusahaan Pembiayaan yang telah memiliki saham dan/ perusahaan pembiayaan tersebut telah
Implementation of Finance atau surat berharga dengan underlying berbentuk saham atau mematuhi (comply) dengan aturan ini.
Company Business yang dijamin dengan saham sebelum Peraturan Otoritas Jasa
Keuangan ini diundangkan harus mengalihkan kepemilikan Pegadaian is not a financing company
saham dan/atau surat berharga dengan underlying berbentuk (based on POJK 31/2016 and PT
saham atau yang dijamin dengan saham paling lambat 1 (satu) Pegadaian’s Articles of Association),
tahun sejak Peraturan Otoritas Jasa Keuangan ini diundangkan. therefore the Regulation of the Financial
1. Finance Companies are prohibited from owning shares and/or Services Authority of the Republic of
securities with underlying shares in the form of shares or which Indonesia Number 7/POJK.05/2022
are guaranteed by shares for the purposes of: concerning Amendments to the
a. short term investment; Regulation of the Financial Services
b. buy and sell; Authority Number 35/POJK.05/ 2018
c. cash flow management; and/or concerning the Implementation of
d. capital participation other than in the context of developing Financing Company Business does not
the Financing Company's business activities. have a direct impact on PT Pegadaian.
This prohibition is excluded for share ownership through direct However, considering that one of PT
participation as intended in Article 68. Pegadaian’s products is multi-payment
2. In Article 68 of the Financial Services Authority Regulation based on fee-based income which
Number 35/POJK.05/2018 concerning the Conduct of Finance collaborates and/or is in the process of
Company Businesses, Finance Companies can only make direct collaborating with finance companies
investments in: as billers, PT Pegadaian needs to
a. companies in the financial services sector in Indonesia; and/ ensure that the finance company
or complies with this rule. Pegadaian is
b. companies related to Financing Company activities not a financing company (based on
3. Finance Companies that already own shares and/or securities POJK 31/2016 and PT Pegadaian’s
with underlying shares in the form of shares or which are Articles of Association), therefore the
guaranteed by shares before this Financial Services Authority Regulation of the Financial Services
Regulation is promulgated must transfer ownership of Authority of the Republic of Indonesia
shares and/or securities with underlying shares or which are Number 7/POJK.05/2022 concerning
guaranteed by shares no later than 1 ( one) year since this Amendments to the Regulation of the
Financial Services Authority Regulation was promulgated. Financial Services Authority Number
35/POJK.05/ 2018 concerning the
Implementation of Financing Company
Business does not have a direct impact
on PT Pegadaian. However, considering
that one of PT Pegadaian’s products
is multi-payment based on fee-based
income which collaborates and/
or is in the process of collaborating
with finance companies as billers, PT
Pegadaian needs to ensure that the
finance company complies with this
rule.
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Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
39 Keputusan Menteri Badan 1. Direksi Badan Usaha Milik Negara (BUMN) dapat melakukan PT Pegadaian dapat melakukan
Usaha Milik Negara penghapusbukuan dan penghapustagihan piutang dan/ penghapusbukuan dan
Republik Indonesia atau pembiayaan syariah bermasalah pada usaha mikro penghapustagihan piutang dan/atau
Nomor SK-277/ dan usaha kecil untuk mendukung kelancaran pemberian pembiayaan syariah bermasalah pada
MBU/10/2023 tentang akses pembiayaan kepada usaha mikro dan usaha kecil dan usaha mikro dan usaha kecil jika turut
Petunjuk Pelaksanaan kepastian hukum dalam rangka penyelesaian piutang dan/atau serta dalam Program Tanggung Jawab
Penyelesaian Piutang dan/ pembiayaan syariah bermasalah; Sosial dan Lingkungan Badan Usaha
atau Pembiayaan Syariah a. hanya dapat dilakukan atas piutang dan/atau pembiayaan Milik Negara.
Bermasalah pada Program syariah yang timbul dari perjanjian melalui program PT Pegadaian can write off and
Pendanaan Usaha Mikro pendanaan usaha mikro dan usaha kecil yang dijalankan write off problem receivables and/or
dan Usaha Kecil di Badan BUMN sebagai bentuk pelaksanaan Program Tanggung sharia financing for micro and small
Usaha Milik Negara Jawab Sosial dan Lingkungan businesses if it participates in the Social
Decree of the Minister of b. harus dicantumkan di dalam Rencana Kerja dan Anggaran and Environmental Responsibility
State-Owned Enterprises Program Tanggung Jawab Sosial dan Lingkungan untuk Program for State-Owned Enterprises.
of the Republic of tahun berjalan
Indonesia Number SK-277/ c. dilakukan dengan ketentuan BUMN telah melakukan
MBU/10/2023 concerning berbagai upaya optimal untuk memperoleh pemulihan atas
I m p l e m e n t a t i o n piutang dan/atau pembiayaan syariah bermasalah tersebut
Guidelines for Settlement 2. Penghapusbukuan dilakukan dengan menghapus pencatatan
of Problematic Sharia pada pos piutang dan/atau pembiayaan syariah bermasalah
Receivables and/or dan dicatatkan secara terpisah, tanpa menghilangkan hak
Financing in Micro and tagih atas piutang dan/atau pembiayaan syariah bermasalah
Small Business Funding tersebut.
Programs in State-Owned 3. Penghapusbukuan piutang dan/atau pembiayaan syariah
Enterprises bermasalah dilakukan oleh Direksi BUMN setelah mendapatkan
persetujuan Dewan Komisaris/Dewan Pengawas BUMN.
4. Direksi menyusun dan menetapkan prosedur operasi standar
(standard operating procedure) pelaksanaan penyele-saian
piutang dan/atau pembi-ayaan syariah bermasalah atas
program pendanaan usaha mikro dan usaha kecil di BUMN
dengan berpedoman pada Keputusan Menteri ini serta
memperhatikan prinsip tata kelola perusahaan yang baik.
5. BUMN dapat memberlakukan Keputusan Menteri ini kepada
anak Perusahaan.
1. Directors of State-Owned Enterprises (BUMN) can write off
and write-off problematic receivables and/or sharia financing
on micro and small businesses to support the smooth provision
of access to financing to micro and small businesses and legal
certainty in the context of resolving sharia receivables and/or
financing problematic;
a. can only be carried out on sharia receivables and/or
financing arising from agreements through micro and
small business funding programs run by BUMN as a
form of implementation of the Social and Environmental
Responsibility Program
b. must be included in the Work Plan and Budget for the
Social and Environmental Responsibility Program for the
current year
c. carried out provided that the BUMN has made various
optimal efforts to obtain recovery for problematic sharia
receivables and/or financing
d. Write-off is carried out by deleting the recording of
problematic receivables and/or sharia financing and
recorded separately, without eliminating the right to collect
on the problematic receivables and/or sharia financing.
2. The write-off is carried out by deleting the recording in the
item of receivables and/or problematic sharia financing and
recorded separately, without eliminating the collection rights
on the receivables and/or problematic sharia financing.
3. The write-off of non-performing sharia receivables and/or
financing is carried out by the BUMN Board of Directors after
obtaining approval from the BUMN Board of Commissioners/
Supervisory Board.
4. The Board of Directors shall formulate and stipulate standard
operating procedures for the implementation of the settlement
of non-performing sharia receivables and/or financing for micro
and small business funding programs in SOEs by referring to
this Ministerial Decree and taking into account the principles of
good corporate governance.
5. SOEs may apply this Ministerial Decree to their subsidiaries.
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
40 Keputusan Deputi Bidang 1. PT Pegadaian perlu membentuk Organ Pengelola Risiko yang Keputusan Deputi Bidang Keuangan
Keuangan dan Manajemen bertugas untuk menerapkan Manajemen Risiko sesuai dengan Dan Manajemen Risiko Kementerian
Risiko Kementerian komposisi dan kualifikasi sebagaimana diatur dalam Peraturan Badan Usaha Milik Negara ini memiliki
Badan Usaha Milik Negara Menteri BUMN Nomor PER-2/MBU/03/2023 tentang Pedoman dampak yang signifikan terhadap PT
Republik Indonesia Nomor Tata Kelola dan Kegiatan Korporasi Signifikan Badan Usaha Pegadaian karena perlu melakukan
SK-3/DKU.MBU/05/2023 Milik Negara. penyesuaian terhadap beberapa
tentang Petunjuk Teknis 2. PT Pegadaian perlu menyesuaikan peraturan yang sudah berlaku peraturan yang saat ini berlaku,
Komposisi dan Kualifikasi untuk memastikan memelihara kualifikasi baik pemenuhan melakukan penyesuaian terhadap
Organ Pengelola Risiko di pelatihan dan pemenuhan sertifikasi dari Organ Pengelola komposisi Organ Pengelola Risiko
Lingkungan Badan Usaha Risiko sesuai dengan standar kualifikasi dan sertifikasi yang dengan menjaga pemenuhan sertifikasi
Milik Negara telah ditentukan oleh Kementerian BUMN. dan kualifikasi dari anggota Organ
Decree of the Deputy 3. PT Pegadaian perlu memperhatikan kualifikasi dan pemenuhan Pengelola Risiko PT Pegadaian.
for Finance and Risk sertifikasi dari Organ Pengelola Risiko agar selalu berlaku
Management of the (terupdate) selama masa jabatan. This decision by the Deputy for Finance
Ministry of State-Owned 4. PT Pegadaian perlu menyesuaikan syarat dan ketentuan untuk and Risk Management at the Ministry
Enterprises of the menjadi anggota Dewan Komisaris/Dewan Pengawas, Direksi, of State-Owned Enterprises has a
Republic of Indonesia dan Direktur yang Membidangi Pengelolaan Keuangan dan significant impact on PT Pegadaian
Number SK-3/DKU. Pengelolaan Risiko, memelihara kualifikasi dan pemenuhan because it needs to make adjustments
MBU/05/2023 concerning sertifikasi dari Organ Pengelola Risiko. to several regulations that are currently
Technical Instructions 5. PT Pegadaian perlu menyesuaikan syarat dan ketentuan untuk in force, make adjustments to the
for the Composition and menjadi Unit Kerja Manajemen Risiko, Komite Audit, Komite composition of the Risk Management
Qualifications of Risk Pemantau Risiko, Komite Tata Kelola Terintegrasi, SPI, dan Unit Organ by maintaining compliance with
Management Organs within Pemilik Risiko, untuk memelihara kualifikasi dan pemenuhan the certification and qualifications of
State-Owned Enterprises sertifikasi dari Organ Pengelola Risiko. members of the Risk Management
1. PT Pegadaian needs to form a Risk Management Organ whose Organ PT Pegadaian.
task is to implement Risk Management in accordance with the
composition and qualifications as regulated in the Minister of
BUMN Regulation Number PER-2/MBU/03/2023 concerning
Guidelines for Governance and Significant Corporate Activities
of State-Owned Enterprises.
2. PT Pegadaian needs to adjust existing regulations to ensure that
it maintains qualifications, both fulfilling training and fulfilling
certification from the Risk Management Organ in accordance
with the qualification and certification standards that have been
determined by the Ministry of BUMN.
3. PT Pegadaian needs to pay attention to the qualifications and
fulfillment of certification from the Risk Management Organ so
that it is always valid (updated) during the term of office.
4. PT Pegadaian needs to adjust the terms and conditions to
become members of the Board of Commissioners/Supervisory
Board, Directors and Directors in charge of Financial
Management and Risk Management, maintain qualifications and
fulfill certification from the Risk Management Organ.
5. PT Pegadaian needs to adjust the terms and conditions to
become a Risk Management Work Unit, Audit Committee, Risk
Monitoring Committee, Integrated Governance Committee,
SPI, and Risk Owner Unit, to maintain qualifications and fulfill
certification from the Risk Management Organ.
41 Keputusan Bersama 1. Penetapan Hari Libur Nasional dan Cuti Bersama Sepanjang 1. Umum:
Menteri Agama, Menteri Tahun 2024. a. Dengan adanya cuti bersama,
Ketenagakerjaan, dan 2. Penetapan tanggal 1 Ramadhan 1445 Hijriah, Hari Raya Idul Fitri maka akan mengurangi hak
Menteri Pendayagunaan 1445 Hijriah, dan Hari Raya Idul Adha 1445 Hijriah ditetapkan cuti karyawan tahun 2024.
Aparatur Negara dan dengan Keputusan Menteri Agama. b. Penyesuaian hari kerja untuk
Reformasi Birokrasi 1. Determination of National Holidays and Collective Leave Kantor Area, Kantor Cabang,
Republik Indonesia Nomor: throughout 2024. dan Unit Pelayanan Cabang
855 Tahun 2023, Nomor 2. The dates for 1 Ramadhan 1445 Hijriah, Eid al-Fitr 1445 Hijriah, (UPC/UPS) pada hari Sabtu
3 Tahun 2023, Nomor: 4 and Eid al-Adha 1445 Hijriah were determined by Decree of the yang diapit oleh Hari Libur
Tahun 2023 tentang Hari Minister of Religion. Nasional tahun 2024.
Libur Nasional Dan Cuti 2. Mandatory bagi Pegadaian :
Bersama Tahun 2024 a. merumuskan, merancang
Joint Decree of the Minister dan mengesahkan ketentuan
of Religion, Minister of terkait dengan hari libur
Manpower, and Minister nasional dan cuti bersama
of State Apparatus tahun 2024.
Empowerment and b. Memperhatikan kapan
Bureaucratic Reform of ditetapkannya tanggal
the Republic of Indonesia pemilihan umum untuk itu
Number: 855 of 2023, perlu dilakukan pemantauan
Number 3 of 2023, Number: dan penyesuaian jika telah ada
4 of 2023 concerning penetapan.
National Holidays and 1. General:
Public Leave in 2024 a. With collective leave, it will
reduce employee leave rights
in 2024.
b. Adjustment of working days
for Area Offices, Branch
Offices and Branch Service
Units (UPC/UPS) on Saturdays
between National Holidays in
2024.
2. Mandatory for Pawnshops:
a. formulate, design and ratify
provisions related to national
holidays and collective leave
in 2024.
b. Pay attention to when the date
for the general election is set,
monitoring and adjustments
need to be made if there has
been a determination.
3. Voluntary for Pawnshops:
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Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
42 Peraturan Menteri 1. Penyusutan atas pengeluaran untuk pembelian, pendirian, 1. Umum:
Keuangan Republik penambahan, perbaikan, atau perubahan harta berwujud, Dengan diterbitkannya Peraturan
Indonesia Nomor 72 Tahun kecuali tanah yang berstatus hak milik, hak guna bangunan, hak Menteri Keuangan Republik
2023 Tentang Penyusutan guna usaha, dan hak pakai, yang dimiliki dan digunakan untuk Indonesia Nomor 72 Tahun
Harta Berwujud Dan/ mendapatkan, menagih, dan memelihara penghasilan yang 2023 Tentang Penyusutan Harta
Atau Amortisasi Harta Tak mempunyai masa manfaat lebih dari 1 (satu) tahun dilakukan Berwujud Dan/Atau Amortisasi
Berwujud dalam bagian-bagian yang sama besar selama masa manfaat Harta Tak Berwujud secara
Regulation of the Minister yang telah ditentukan bagi harta tersebut. langsung memberikan dampak
of Finance of the Republic 2. Penyusutan atas pengeluaran harta berwujud sebagaimana kepada PT Pegadaian khususnya
of Indonesia Number dimaksud pada ayat (1) selain bangunan, dapat juga dilakukan Peraturan Direksi Nomor 140 /
72 of 2023 concerning dalam bagian-bagian yang menurun selama masa manfaat, DIR-IV/2017 Tentang Pedoman
Depreciation of Tangible yang dihitung dengan cara menerapkan tarif penyusutan atas Akuntansi Atas Aset Tetap, Aset Tak
Assets and/or Amortization nilai sisa buku, dan pada akhir masa manfaat nilai sisa buku Berwujud, Beban Ditangguhkan
of Intangible Assets disusutkan sekaligus, dengan syarat dilakukan secara taat asas. Aset Tetap Dan Persediaan
3. Untuk menghitung penyusutan sebagaimana dimaksud pada Perlengkapan Kantor sehingga
ayat (1) dan ayat (2), masa manfaat dan tarif penyusutan harta perlu dilakukan penyesuaian
berwujud ditetapkan sebagai berikut: dengan cara melakukan perubahan
atau merumuskan Peraturan
Tarif
Penyusutan
Direksi yang baru terkait dengan
sebagaimana penyusutan harta berwujud
Kelompok Harta Masa
Berwujud Manfaat dimaksud pada dan/atau amortisasi harta tidak
berwujud yang dimiliki oleh PT
Ayat Ayat
(1) (2) Pegadaian.
2. Mandatory bagi Pegadaian:
I. Bukan Bangunan
Mengevaluasi setiap harta
Kelompok I 4 Tahun 25% 50% berwujud yang dimiliki dan
Kelompok II 8 Tahun 12,5% 25% menempatkan ke dalam kelompok
yang sesuai.
Kelompok III 16 Tahun 6,25% 12,5% 3. Voluntary bagi Pegadaian:
Kelompok IV 20 Tahun 5% 10% Konsultasi dengan ahli pajak
atau akuntan dapat membantu
II. Bangunan
perusahaan dalam memahami
Permanen 10 Tahun 5% implikasi pajak dan perencanaan
Tidak Permanen 20 Tahun 10% pajak yang sesuai.
1. General:
4. Ketentuan-ketentuan tersebut penting dalam konteks With the issuance of Regulation
penetapan nilai penyusutan harta berwujud bukan bangunan, of the Minister of Finance of the
karena masa manfaat yang berbeda dapat mempengaruhi Republic of Indonesia Number 72
besaran penyusutan yang diperbolehkan untuk dikurangkan of 2023 concerning Depreciation
dari penghasilan bruto dalam perhitungan pajak. of Tangible Assets and/or
1. Depreciation on expenses for purchasing, establishing, adding, Amortization of Intangible Assets,
repairing, or changing tangible assets, except for land with the it has a direct impact on PT
status of ownership rights, building use rights, business use Pegadaian, especially Directors'
rights, and use rights, which are owned and used to obtain, Regulation Number 140 /DIR-
collect, and maintain income that has The useful life of more IV/2017 concerning Accounting
than 1 (one) year is carried out in equal parts during the useful Guidelines for Fixed Assets,
life determined for the asset. Intangible Assets , Deferred
2. Depreciation on expenditure on tangible assets as intended in Expenses for Fixed Assets and
paragraph (1) other than buildings, can also be carried out in Office Equipment Supplies so
decreasing portions over the useful life, which is calculated by adjustments need to be made by
applying a depreciation rate to the residual book value, and at making changes or formulating
the end of the useful life the residual book value is depreciated new Board of Directors Regulations
all at once. , provided that it is done in a principled manner. related to depreciation of tangible
3. To calculate depreciation as intended in paragraph (1) and assets and/or amortization of
paragraph (2), the useful life and depreciation rates for tangible intangible assets owned by PT
assets are determined as follows: Pegadaian.
2. Mandatory for Pegadaians:
Depreciation Evaluate every tangible asset
Rates as
Benefit owned and place it into the
Tangible Assets Group referred to
time appropriate group.
P (1) P (2) 3. Voluntary for Pegadaian:
Consultation with a tax expert or
I. Not a Building accountant can help companies
Group I 4 Years 25% 50% understand the tax implications
and appropriate tax planning.
Group II 8 Years 12,5% 25%
Group III 16 Years 6,25% 12,5%
Group IV 20 Years 5% 10%
II. Building
Permanent 10 Years 5%
Tidak Permanen 20 Years 10%
4. These provisions are important in the context of determining
the depreciation value of non-building tangible assets, because
different useful lives can affect the amount of depreciation that
is allowed to be deducted from gross income in tax calculations.
PT Pegadaian | 2023 Annual Report 243
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
43 Peraturan Pemerintah 1. Untuk menjaga daya beli Pekerja/Buruh dan stabilitas ekonomi 1. Umum :
Republik Indonesia Nomor nasional serta memperhatikan dinamika perkembangan PT Pegadaian perlu
51 Tahun 2023 Tentang hubungan industrial. memperhitungkan kualifikasi yang
Perubahan Atas Peraturan 2. Upah minimum sebagaimana dimaksud dalam Pasal 23 ayat (1) dipersyaratkan dalam jabatan
Pemerintah Nomor 36 berlaku bagi Pekerja/Buruh dengan masa kerja kurang dari 1 dapat diberikan upah lebih besar
Tahun 2021 Tentang (satu) tahun pada Perusahaan yang bersangkutan. dari upah minimum. Pemenuhan
Pengupahan 3. Pekerja/Buruh dengan masa kerja kurang dari 1 (satu) tahun kualifikasi tersebut dapat dilihat
Republic of Indonesia sebagaimana dimaksud pada ayat (1) yang memiliki kualifikasi antara lain dari pendidikan,
Government Regulation tertentu yang disyaratkan dalam jabatan dapat diberikan upah kompetensi, dan pengalaman
Number 51 of 2023 lebih besar dari upah minimum. kerja telah sesuai dengan yang
concerning Amendments 4. Upah bagi Pekerja/Buruh dengan masa kerja 1 (satu) tahun atau dipersyaratkan.
to Government Regulation lebih berpedoman pada struktur dan skala upah. 2. Mandatory bagi Pegadaian :
Number 36 of 2021 5. Upah minimum terdiri atas: Skala pengupahan Pegadaian
concerning Wages a. Upah minimum provinsi; dan harus memenuhi kualifikasi upah
b. Upah minimum kabupaten/kota dengan syarat tertentu minimum.
6. upah minimum ditetapkan berdasarkan kondisi ekonomi dan 3. Voluntary bagi Pegadaian : -
ketenagakerjaan. 1. General :
a. Penetapan Upah minimum dilakukan bagi: PT Pegadaian needs to take into
b. provinsi atau kabupaten/kota yang memiliki Upah minimum, account the qualifications required
c. kabupaten/kota yang belum memiliki Upah minimum, atau for positions that can be paid
d. provinsi atau kabupaten/kota hasil pemekaran. higher than the minimum wage.
1. To maintain the purchasing power of workers/laborers and Fulfillment of these qualifications
national economic stability as well as paying attention to the can be seen, among other things,
dynamics of industrial relations development. from education, competence
2. The minimum wage as intended in Article 23 paragraph (1) and work experience that are in
applies to Workers/Labourers with less than 1 (one) year of accordance with the requirements.
service at the Company concerned. 2. Mandatory for Pegadaians:
3. Workers/Labourers with a working period of less than 1 (one) Pegadaian's wage scale must meet
year as intended in paragraph (1) who have certain qualifications the minimum wage qualifications.
required for their position can be given wages greater than the 3. Voluntary for Pegadaian: -
minimum wage.
4. Wages for Workers/Labourers with a service period of 1 (one)
year or more are guided by the wage structure and scale.
5. The minimum wage consists of:
a. Provincial minimum wage; And
b. Regency/city minimum wage with certain conditions
6. Minimum wages are determined based on economic and
employment conditions.
a. The minimum wage is determined for:
b. provinces or districts/cities that have a minimum wage,
c. districts/cities that do not yet have a minimum wage, or
d. province or district/city resulting from expansion.
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Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
44 Keputusan Deputi 1. Untuk melaksanakan ketentuan Pasal 66 Ayat (5) Peraturan 1. Umum :
Keuangan Dan Manajemen Menteri BUMN Nomor PER-2/MBU/03/2023 tentang Pedoman Regulasi ini tidak berdampak
Risiko Kementerian Tata Kelola dan Kegiatan Korporasi Signifikan BUMN. ketentuan secara langsung kepada PT
Badan Usaha Milik Negara pelaksanaan/petunjuk teknis ini merupakan Peraturan yang Pegadaian, karena hal ini
Republik Indonesia Nomor berlaku untuk BUMN. merupakan petunjuk teknis, yang
SK-6/DKU.MBU/10/2023 2. Proses Manajemen Risiko di Kementerian BUMN dan BUMN selanjutnya BUMN harus mengikuti
Tentang Petunjuk Teknis serta Anak Perusahaan BUMN terdiri dari 2 (dua) proses utama tata cara berdasarkan surat
Proses Manajemen yaitu proses perencanaan, dan proses pemantauan yang keputusan Deputi Keuangan dan
Risiko Dan Agregasi masing-masing terdiri dari: Manajemen Risiko Kementerian
Pada Taksonomi Risiko a. Proses perencanaan, meliputi; BUMN.
Portofolio Badan Usaha • Proses penetapan strategi Risiko; 2. Mandatory bagi Pegadaia
Milik Negara • Proses penetapan rencana sasaran; Regulasi ini menjadi wajib jika
Decree of the Deputy • Proses penilaian Risiko yang terdiri dari identifikasi sudah ada arahan dari RUPS
for Finance and Risk Risiko, kuantifikasi Risiko, rencana perlakuan Risiko, dan berkaitan dengan aturan ini.
Management of the prioritisasi Risiko; dan 3. Voluntary bagi Pegadaian
Ministry of State-Owned • Proses penetapan perencanaan strategis. Pegadaian dapat menerapkan
Enterprises of the b. Proses pemantauan, meliputi: regulasi ini tanpa adanya arahan
Republic of Indonesia • Proses pemantauan dan evaluasi atas pelaksanaan dari RUPS dengan mendapatkan
Number SK-6/DKU. perlakuan Risiko; persetujuan seluruh Direksi dalam
MBU/10/2023 concerning • Proses pelaporan; dan Rapat Direksi.
Technical Instructions for • Proses evaluasi kinerja.
Risk Management and 3. Penyusunan Strategi Risiko BUMN mempertimbangkan: 1. General :
Aggregation Processes a. RAS Kementerian BUMN; This regulation does not have a
in the Portfolio Risk b. Core competence perusahaan; direct impact on PT Pegadaian,
Taxonomy of State-Owned c. Outlook industri dan positioning BUMN pada industri; because this is a technical
Enterprises d. Kondisi perusahaan pada tahun berjalan dalam survival guideline, following which BUMN
mode (kontraksi), business as usual, atau expansion mode; must follow the procedures based
e. Cakupan waktu penetapan target perusahaan dalam RJP on the decree of the Deputy for
atau RKAP; dan Finance and Risk Management of
f. Kapasitas Risiko perusahaan. the Ministry of BUMN.
1. To implement the provisions of Article 66 Paragraph (5) of 2. Mandatory for Pegadaia
BUMN Ministerial Regulation Number PER-2/MBU/03/2023 This regulation becomes
concerning Guidelines for Governance and Significant mandatory if there is a direction
Corporate Activities of BUMN. These implementing provisions/ from the GMS regarding this
technical instructions are regulations that apply to BUMN. regulation.
2. The Risk Management Process at the Ministry of BUMN 3. Voluntary for Pegadaian
and BUMN and BUMN Subsidiaries consists of 2 (two) main Pegadaian can implement this
processes, namely the planning process and the monitoring regulation without any direction
process, each of which consists of: from the GMS by obtaining
a. The planning process includes; approval from all Directors at the
• Risk strategy determination process; Directors' Meeting.
• The process of establishing target plans;
• Risk assessment process consisting of Risk
identification, Risk quantification, Risk treatment plan,
and Risk prioritization; And
• The process of determining strategic planning.
b. Monitoring process, including:
• Monitoring and evaluation process for the
implementation of Risk treatment;
• Reporting process; And
• Performance evaluation process.
3. The preparation of the BUMN Risk Strategy considers:
a. RAS Ministry of BUMN;
b. Company core competence;
c. Industry outlook and positioning of BUMN in industry;
d. The condition of the company in the current year is in
survival mode (contraction), business as usual, or expansion
mode;
e. Time scope for setting company targets in the RJP or
RKAP; And
f. Company Risk Capacity.
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
45 Keputusan Menteri Badan 1. Untuk melaksanakan ketentuan Pasal 103 Peraturan Menteri 1. Umum :
Usaha Milik Negara BUMN Nomor PER-2/MBU/03/2023 tentang Pedoman Tata Regulasi ini tidak berdampak
Republik Indonesia Nomor Kelola dan Kegiatan Korporasi Signifikan BUMN. secara langsung kepada PT
S K- 3 0 6 / M B U / 1 1 /2 0 2 3 2. Indikator Kinerja Utama (Key Performance Indicator) Direksi Pegadaian, karena hal ini
Tentang Petunjuk Teknis secara Individual. merupakan petunjuk teknis, yang
Penyusunan Indikator KPI Direksi secara kolegial merupakan KPI Direksi secara selanjutnya BUMN harus mengikuti
Kinerja Utama (Key individual bagi Direktur Utama. Sedangkan KPI Direksi tata cara berdasarkan surat
Performance Indicator) secara individual untuk anggota Direksi lainnya merupakan keputusan Menteri BUMN.
pada Badan Usaha Milik penjabaran (cascading) dari KPI Direksi secara kolegial di mana 2. Mandatory bagi Pegadaian :
Negara KPI Direksi secara kolegial diturunkan kepada masing-masing Regulasi ini menjadi wajib jika
Decree of the Minister of anggota Direksi sesuai dengan tugas, fungsi, dan tanggung sudah ada arahan dari RUPS
State-Owned Enterprises jawab anggota Direksi tersebut dalam lingkup direktorat berkaitan dengan aturan ini.
of the Republic of yang dipimpinnya. Dengan demikian, setiap anggota Direksi 3. Voluntary bagi Pegadaian :
Indonesia Number SK-306/ akan menyelaraskan sasaran/ inisiatif dari direktorat yang Pegadaian dapat menerapkan
MBU/11/2023 concerning dipimpinnya untuk memberikan kontribusi atau mendukung regulasi ini tanpa adanya arahan
Technical Instructions for sasaran-sasaran strategi perusahaan. dari RUPS dengan mendapatkan
Preparing Key Performance 3. Penjabaran (Cascading) Indikator Kinerja Utama (Key persetujuan seluruh Direksi dalam
Indicators in State-Owned Performance Indicator) Direksi secara Kolegial ke Indikator Rapat Direksi.
Enterprises Kinerja Utama (Key Performance Indicator) Direksi secara
Individual 1. General :
Penjabaran (cascading) KPI merupakan proses penjabaran This regulation does not have a
dan penyelarasan KPI dan target KPI dari KPI Direksi secara direct impact on PT Pegadaian,
kolegial menjadi KPI Direksi secara individual, sesuai dengan because this is a technical
tugas, fungsi, dan tanggung jawabnya. Proses penjabaran guideline, following which BUMN
(cascading) dapat dilakukan dengan memperhatikan hal-hal must follow the procedures based
sebagai berikut: on the decree of the Minister of
a. struktur organisasi, meliputi tugas, fungsi dan tanggung BUMN.
jawab direktorat. 2. Mandatory for Pegadaians:
b. dokumen RJP/RKAP terutama terkait sasaran-sasaran This regulation becomes
strategis masing-masing direktorat; mandatory if there is a direction
c. aspirasi pemegang Saham (shareholders aspiration letter) from the GMS regarding this
terkait sasaran yang paling relevan dengan direktorat regulation.
terkait; dan/atau; 3. Voluntary for Pegadaians:
d. keselarasan sasaran strategis direktorat dengan sasaran Pegadaian can implement this
strategis korporat dan keterhubungan sebab-akibat antara regulation without any direction
KPI bersama dengan KPI direktorat. from the GMS by obtaining
1. To implement the provisions of Article 103 of the Minister of approval from all Directors at the
BUMN Regulation Number PER-2/MBU/03/2023 concerning Directors' Meeting.
Guidelines for Governance and Significant Corporate Activities
of BUMN.
2. Individual Directors' Key Performance Indicators.
The collegial KPI of the Directors is the KPI of the Directors
individually for the President Director. Meanwhile, the individual
KPI for Directors for other members of the Board of Directors is
an elaboration (cascading) of the KPI for Directors collectively,
where the KPI for Directors is collegially handed down to each
member of the Board of Directors in accordance with the
duties, functions and responsibilities of that member of the
Board of Directors within the scope of the directorate they lead.
In this way, each member of the Board of Directors will align the
targets/initiatives of the directorate they lead to contribute or
support the company's strategic goals.
3. Translation (Cascading) of the Key Performance Indicators
(Key Performance Indicators) of the Board of Directors as a
Collegial to the Key Performance Indicators (Key Performance
Indicators) of the Directors Individually
Elaboration (cascading) of KPIs is the process of elaborating
and aligning KPIs and KPI targets from the Directors' KPIs
collectively to the Directors' KPIs individually, in accordance
with their duties, functions and responsibilities. The elaboration
(cascading) process can be carried out by paying attention to
the following things:
a. organizational structure, including duties, functions and
responsibilities of the directorate.
b. RJP/RKAP documents, especially related to the strategic
targets of each directorate;
c. Shareholder aspirations (shareholders aspiration letter)
regarding the targets most relevant to the relevant
directorate; and/or;
d. Alignment of the directorate's strategic targets with
corporate strategic targets and cause-and-effect
relationships between joint KPIs and the directorate's KPIs.
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Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
46 Surat Edaran Otoritas 1. LJKNB wajib menetapkan wewenang dan tanggung jawab yang 1. Umum :
Jasa Keuangan Republik jelas dari Direksi, Dewan Komisaris, dan pejabat pada setiap a. Meningkatkan efisiensi,
Indonesia Nomor 22 / jenjang jabatan yang terkait dengan penggunaan Teknologi akuntabilitas, dan transparansi
SEOJK.05/2021 Tentang Informasi secara tertulis. dalam manajemen Teknologi
Penerapan Manajemen 2. Bagi LJKNB yang memiliki komite pengawas Teknologi Informasi di PT Pegadaian.
Risiko Dalam Penggunaan Informasi, pelaksanaan tugas dan tanggung jawab komite b. Menekankan keterbukaan,
Teknologi Informasi Oleh pengawas Teknologi Informasi diwujudkan dengan pertemuan dokumentasi, dan ketegasan
Lembaga Jasa Keuangan secara berkala yang didokumentasikan dalam bentuk risalah membantu Perusahaan untuk
Nonbank rapat. mencapai tingkat kepatuhan
Circular Letter of the 3. Pertemuan secara berkala sebagaimana dimaksud pada angka yang lebih tinggi terhadap
Financial Services 2 dapat melibatkan satuan kerja terkait di LJKNB dan dilakukan regulasi terkait Teknologi
Authority of the Republic secara fisik atau virtual. Informasi.
of Indonesia Number 22 / 4. Komite pengarah Teknologi Informasi menetapkan jangka c. Mengurangi risiko sanksi
SEOJK.05/2021 concerning waktu pertemuan secara berkala sebagaimana dimaksud pada dan denda yang mungkin
the Implementation of Risk angka 3 dalam kebijakan secara tertulis diakibatkan oleh pelanggaran
Management in the Use of 1. LJKNB is obliged to establish clear authority and responsibilities aturan.
Information Technology by of the Board of Directors, Board of Commissioners and officials 2. Mandatory bagi Pegadaian:
Nonbank Financial Services at each level of position related to the use of Information Mengimplementasikan praktik
Institutions Technology in writing. tata kelola Perusahaan yang baik
2. For LJKNBs that have an Information Technology supervisory sesuai dengan ketentuan, guna
committee, the implementation of the duties and responsibilities mendukung manajemen Teknologi
of the Information Technology supervisory committee is Informasi yang efektif.
realized through regular meetings which are documented in the 3. Voluntary bagi Pegadaian:
form of meeting minutes. Menciptakan budaya keterbukaan,
3. Periodic meetings as referred to in number 2 can involve related dokumentasi, dan ketegasan di
work units at LJKNB and be conducted physically or virtually. seluruh organisasi.
4. The Information Technology steering committee determines 1. General :
the period for regular meetings as referred to in number 3 in a. Increasing efficiency,
the written policy accountability and
transparency in Information
Technology management at PT
Pegadaian.
b. Emphasizing openness,
documentation and firmness
helps the Company to achieve
a higher level of compliance
with regulations related to
Information Technology.
c. Reduce the risk of sanctions
and fines that may result from
rule violations.
2. Mandatory for Pegadaians:
Implement good corporate
governance practices in
accordance with regulations, to
support effective Information
3. Technology management.
Voluntary for Pegadaian:Create
a culture of openness,
documentation and decisiveness
throughout the organization.
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
Peraturan Perundang-
Penjelasan Dampaknya terhadap Perusahaan
No. Undangan
Explanation Impacts on the Company
Regulation
47 Peraturan Menteri 1. Residen adalah orang perseorangan warga negara Indonesia 1. Umum :
Keuangan Republik dimanapun mereka bertempat tinggal, perusahaan atau Pegadaian termasuk dalam
Indonesia Nomor 51/ usaha bersama baik Indonesia ataupun asing yang didirikan kategori Residen berdasarkan
PMK.08/2019 Tentang atau bertempat kedudukan di wilayah Republik Indonesia, PMK Nomor 51/PMK.08/2019 yang
Penjualan Surat Utang Bank Indonesia, Otoritas Jasa Keuangan, Lembaga Penjamin mana wajib tunduk pada ketentuan
Negara Di Pasar Perdana Simpanan, Badan Penyelenggara Jaminan Sosial, Badan yang diatur.
Domestik Dengan Cara Usaha Milik Negara dan/atau Badan Layanan Umum di bawah Dalam hal penawaran pembelian
Private Placement pembinaan Kementerian Keuangan, Pemerintah Daerah, dan/ SUN terjadi kesepakatan, maka
Regulation of the Minister atau Dealer Utama. hasil kesepakatan antara PT
of Finance of the Republic 2. Minimal nominal Penawaran Pembelian SUN dalam mata uang Pegadaian dengan Direktorat
of Indonesia Number 51/ Rupiah yang dapat diajukan kepada Pemerintah oleh Bank Jenderal Pengelolaan Pembiayaan
PMK.08/2019 concerning Indonesia, OJK, LPS, BPJS, BUMN, BLU, Pemerintah Daerah dan Risiko akan dituangkan ke
Sales of Government Debt atau Dealer Utama adalah sebesar Rp250.000.000.000,00 dalam dokumen kesepakatan.
Securities in the Domestic (dua ratus lima puluh miliar rupiah), dengan minimal nominal Dalam hal tidak tercapainya
Primary Market by Private untuk 1 (satu) seri sebesar Rpl0.000.000.000,00 (sepuluh kesepakatan, Direktur Surat Utang
Placement miliar rupiah) dan berlaku kelipatannya. Negara akan menyampaikan
3. Terkait dengan Penawaran Pembelian Surat Utang Negara laporan tidak tercapainya
(SUN) terdapat dua kondisi yaitu mencapai kesepakatan dan kesepakatan kepada Direktur
tidak tercapai kesepakatan. Jenderal yang dituangkan ke dalam
4. Dalam hal terjadi kesepakatan dalam pembahasan, pokok- surat pemberitahuan penolakan
pokok hasil pembahasan dituangkan dalam dokumen atas penawaran pembelian SUN.
kesepakatan yang meliputi antara lain: 2. Mandatory bagi Pegadaian : -
a. jenis SUN (SPN dan/atau Obligasi Negara); 3. Voluntary bagi Pegadaian :
b. jenis kupon; Apabila Pegadaian akan melakukan
c. mata uang; penempatan dana dalam bentuk
d. status SUN (dapat diperdagangkan atau tidak dapat SUN khususnya Pembelian SUN
diperdagangkan); dengan cara Private Placement
e. volume; maka harus patuh terhadap PMK
f. jatuh tempo; Nomor 51/PMK.08/2019.
g. Imbal Hasil atau harga; 1. General :
h. besaran kupon, dalam hal SUN dengan kupon; dan Pegadaian is included in the
i. tanggal Setelmen Resident category based on PMK
5. Dokumen kesepakatan ditandatangani oleh Direktur Surat Number 51/PMK.08/2019 which
Utang Negara dengan pejabat yang berwenang mewakili Bank must comply with the regulated
Indonesia, OJK, LPS, BPJS, BUMN, BLU, Pemerintah Daerah atau provisions.
Dealer Utama atau pejabat yang diberi kuasa. In the event that an agreement is
6. Dalam hal tidak tercapai kesepakatan Direktur Surat Utang reached in the offer to purchase
Negara menyampaikan laporan tidak tercapainya kesepakatan SUN, the results of the agreement
kepada Direktur Jenderal. between PT Pegadaian and the
7. Berdasarkan laporan tidak tercapainya kesepakatan, Direktur Directorate General of Financing
Jenderal menyampaikan surat pemberitahuan penolakan atas and Risk Management will be
Penawaran Pembelian SUN kepada Bank Indonesia, OJK, LPS, stated in the agreement document.
BPJS, BUMN, BLU, Pemerintah Daerah, atau Dealer Utama. In the event that an agreement
is not reached, the Director of
1. Resident is an individual Indonesian citizen wherever they State Debt Securities will submit
reside, a company or joint venture whether Indonesian or a report on the failure to reach an
foreign which is established or domiciled in the territory of agreement to the Director General
the Republic of Indonesia, Bank Indonesia, Financial Services which will be included in a letter
Authority, Deposit Insurance Corporation, Social Security notifying the rejection of the SUN
Administering Agency, State-Owned Enterprise and/or Public purchase offer.
Service Agency under the guidance of the Ministry of Finance, 2. Mandatory for Pegadaians: -
Regional Government, and/or Main Dealer. 3. Voluntary for Pegadaians:
2. The minimum nominal SUN Purchase Offer in Rupiah currency If Pegadaian will place funds in the
that can be submitted to the Government by Bank Indonesia, form of SUN, especially purchasing
OJK, LPS, BPJS, BUMN, BLU, Regional Government or Main SUN by private placement, it must
Dealer is Rp250,000,000,000.00 (two hundred and fifty billion comply with PMK Number 51/
rupiah), with a minimum nominal value for 1 (one) series of PMK.08/2019.
Rpl0,000,000,000.00 (ten billion rupiah) and multiples apply.
3. Regarding the Offer to Purchase Government Debt Securities
(SUN), there are two conditions, namely reaching an agreement
and not reaching an agreement.
4. In the event that an agreement occurs during the discussion, the
main points of the discussion results are stated in an agreement
document which includes, among others:
a. type of SUN (SPN and/or State Bonds);
b. coupon type;
c. currency;
d. SUN status (tradable or non-tradable);
e. volume;
f. due date;
g. Yield or price;
h. coupon amount, in the case of SUN with a coupon; And
i. Settlement date
5. The agreement document is signed by the Director of
Government Debt Securities with an authorized official
representing Bank Indonesia, OJK, LPS, BPJS, BUMN, BLU,
Regional Government or Main Dealer or authorized official.
6. In the event that an agreement is not reached, the Director
of State Debt Securities shall submit a report on the failure to
reach an agreement to the Director General.
7. Based on reports that an agreement was not reached, the
Director General submitted a letter of notification of rejection
of the SUN Purchase Offer to Bank Indonesia, OJK, LPS, BPJS,
BUMN, BLU, Regional Government, or Main Dealer.
248 Laporan Tahunan 2023 | PT Pegadaian
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Perubahan Kebijakan Akuntansi Change in Accounting Policies Di tahun 2023, tidak terdapat perubahan kebijakan In 2023, there were no material changes in accounting Akuntansi yang bersifat material dan berdampak policies that had an impact on the operational and terhadap kinerja operasional dan keuangan Perseroan. financial performance of the Company. Therefore, this Dengan demikian, informasi tersebut tidak dapat information cannot be provided. disampaikan. Informasi Kelangsungan Usaha Business Continuity Information Hal-Hal yang Berpotensi Berpengaruh Factors Potentially Affecting Business terhadap Kelangsungan Usaha Continuity Kondisi yang penuh dengan ketidakpastian dari The condition fraught with uncertainty from ketegangan geopolitik akibat konflik antara Rusia dan geopolitical tensions due to the conflict between Ukraina yang disusul dengan risiko perang di Timur Russia and Ukraine followed by the risk of war in Tengah merupakan tantangan yang harus dihadapi the Middle East is a challenge faced by all countries oleh seluruh negara dalam upaya meningkatkan in efforts to boost economic growth. The impact pertumbuhan ekonomi. Pengaruh dari ketidakpastian of this global uncertainty is also felt by Indonesia, global ini juga dirasakan oleh Indonesia yang berdampak which affects changes in various efforts to maintain pada perubahan berbagai Upaya demi menjaga the momentum of economic growth amidst the momentum pertumbuhan ekonomi di tengah risiko krisis continuing risk of crisis. Similar conditions also require yang terus membayangi. Kondisi serupa juga menuntut PT Pegadaian to always be adaptive and responsive PT Pegadaian untuk senantiasa adaptif dan responsif to maintain the business continuity and operational guna menjaga kelangsungan bisnis dan operasional sustainability of the Company. To manage future Perusahaan, sehingga untuk mengelola pertumbuhan growth, Pegadaian will enhance existing strengths and ke depan, Pegadaian akan meningkatkan faktor-faktor optimize opportunities. kekuatan yang ada dan memanfaatkan peluang secara optimal. Asesmen Manajemen terhadap Management Assessment of Business Kelangsungan Usaha Continuity Manajemen telah melakukan penilaian atas kemampuan Management has assessed the Company’s ability Perseroan untuk melanjutkan kelangsungan usahanya to continue its business operations and is confident dan berkeyakinan bahwa perusahaan memiliki sumber that the company has the resources to continue its daya untuk melanjutkan usahanya di masa mendatang. business in the future. Additionally, Management does Selain itu, Manajemen tidak melihat adanya ketidakpastian not see any material uncertainties that could cast material yang dapat menimbulkan keraguan yang significant doubt on the Company’s ability to continue signifikan terhadap kemampuan Perseroan untuk its operations. In measuring and assessing factors that melanjutkan usahanya. Dalam mengukur serta menilai potentially significantly affect the Company’s business hal-hal yang berpotensi berpengaruh signifikan terhadap continuity, the parameters used by Management in PT Pegadaian | 2023 Annual Report 249
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Analisis dan Pembahasan Manajemen
Management & Discussion Analysis
kelangsungan usaha Perseroan, parameter yang conducting such measurements and assessments are
digunakan Manajemen dalam melakukan pengukuran as follows:
dan penilaian tersebut adalah sebagai berikut:
1. Aspek Keuangan 1. Financial Aspect
a. Membandingkan saldo-saldo realisasi tahun a. aComparing the realized balances in 2023 with
2023 dengan Laporan Keuangan yang telah the Audited Financial Statements.
diaudit.
b. Menghitung kembali persentase fluktuasi yang b. Recalculating the fluctuation percentages
dilaporkan oleh Manajemen antara saldo-saldo reported by Management between the actual
aktual tahun 2023 dengan target anggaran/RKAP balances in 2023 and the budget/target for
tahun 2023 dan saldo-saldo aktual tahun 2022. 2023, as well as the actual balances in 2022.
2. Penilaian tingkat kesehatan Perusahaan 2. Assessment of the Company’s Health
a. Melakukan perhitungan ulang dan a. Recalculating and comparing financial
membandingkan indikator kinerja keuangan performance indicators between the realized
antara realisasi tahun 2023 target anggaran/ results in 2023 and the budget/target for 2023
RKAP tahun 2023 berdasarkan kriteria yang based on the established criteria.
telah ditetapkan.
b. Melakukan perhitungan ulang dan b. Recalculating and comparing operational
membandingkan indikator kinerja operasional performance indicators between the realized
antara realisasi tahun 2023 target anggaran/ results in 2023 and the budget/target for 2023
RKAP tahun 2023 berdasarkan kriteria yang based on the established criteria.
telah ditetapkan.
c. Melakukan perhitungan ulang dan c. Recalculating and comparing administrative
membandingkan indikator kinerja administrasi performance indicators between the realized
antara realisasi tahun 2023 target anggaran/ results in 2023 and the budget/target for 2023
RKAP tahun 2023 berdasarkan kriteria yang based on the established criteria.
telah ditetapkan.
d. Melakukan perhitungan ulang dan d. Recalculating and comparing the Company’s
membandingkan tingkat kesehatan Perusahaan health level between the realized results in
antara realisasi tahun 2023 dengan target 2023 and the budget/target for 2023 based on
anggaran/RKAP tahun 2023 berdasarkan the established criteria.
kriteria yang telah ditetapkan.
Asumsi yang Digunakan Manajemen Assumptions Used by Management
untuk Melakukan Asesmen for Assessment
Selain aspek keuangan dan tingkat kesehatan In addition to financial aspects and the Company’s
perusahaan, Manajemen juga mengambil beberapa health level, Management also considers several
faktor yang menjadi pertimbangan dalam melakukan factors in assessing business sustainability, as outlined
asesmen terhadap kelangsungan usaha, sebagaimana in the following table:
tertuang tabel berikut ini:
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Tabel Asumsi RKAP Tahun 2024
Table of RKAP Assumption in 2024
Asumsi Prognosa 2023 Proyeksi 2024
Assumption 2023 Prognosis 2024 Projection
Makro GDP Growth (%) 4,90-5,00 5,00-5,30
Macro Inflasi (%) 3,4-3,7 2,4-3,5
Inflation (%)
Kurs (IDR/USD) 14.815-15.098 14.768-15.086
Currency (IDR/USD)
7 Days RRR (%) 5,75 5,00-5,75
Hg. Emas (USD/T.ounce) 1.919 1.923-1.993
Price of Gold (USD/T.Ounce)
Internal STL (IDR/Gr) 926.651 917.811-966.667
Wacof (%) 5,90 5,90-6,25
Berdasarkan kondisi dan asumsi di atas, perusahaan Based on the conditions and assumptions above,
harus mampu untuk lebih adaptif dalam merespon the Company should be able to be more adaptive in
perkembangan dan perubahan lingkungan perusahaan responding to the dynamic developments and changes
yang dinamis. Selain hal tersebut, harga emas pada in the business environment. Additionally, the price of
tahun depan diproyeksikan masih akan mengalami gold next year is projected to continue fluctuating and
fluktuasi dan secara moderat akan mengalami experience a moderate increase, presenting a distinct
sedikit peningkatan sehingga akan menjadi peluang opportunity for the Company considering its current
tersendiri bagi Perusahaan mengingat portofolio business portfolio is still predominantly comprised
bisnis perusahaan saat ini masih didominasi oleh bisnis of pawn businesses, with the majority of collateral
gadai yang mayoritas beragunan emas dan perhiasan. being gold and jewelry. As for the Company’s future
Adapun arah perusahaan kedepan adalah bertumbuh direction, it aims to grow exponentially through the
secara eksponensial melalui pengoptimalan sinergi optimization of ultra-micro synergies, modernization
ultra mikro dan modernisasi proses bisnis eksisting of existing business processes, and development of
serta pembangunan kapabilitas pada lini bisnis baru. capabilities in new business lines.
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05
Fungsi Penunjang Bisnis
Business Support Function
Fungsi Penunjang Bisnis
Business Support Function
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05 PT Pegadaian | 2023 Annual Report 253
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Fungsi Penunjang Bisnis Business Support Function Sumber Daya Manusia dan Pengelolaan Talenta Human Resources and Talent Management 254 Laporan Tahunan 2023 | PT Pegadaian
Page 255
Pegadaian memandang Sumber Daya Manusia Pegadaian views Human Resources (HR) as valuable
(SDM) sebagai aset berharga bagi Perseroan untuk asset for the Company to support business continuity
mendukung keberlangsungan bisnis dan menunjang and support the Company’s operational activities.
aktivitas operasional Perseroan. Perseroan meyakini The Company believes that having quality human
dengan memiliki SDM berkualitas menjadi salah satu resources is one of basic capital for Pegadaian to grow
modal dasar bagi Pegadaian untuk tumbuh secara continuously in better direction while providing the
berkesinambungan ke arah yang lebih baik sekaligus best service and added value to customers.
memberikan layanan terbaik dan bernilai tambah
kepada para nasabah.
Atas dasar ini, Pegadaian berkomitmen untuk On this basis, Pegadaian is committed to implementing
melaksanakan program pengelolaan SDM guna an HR management program to create professional,
menciptakan SDM yang profesional, unggul, loyal, excellent, loyal and competent human resources in
dan kompeten di bidangnya sehingga dapat each of their fields hence they can help the Company’s
membantu kinerja Perseroan dalam menghadapi performance in facing every existing challenge and
setiap tantangan yang ada dan merealisasikan tujuan realizing the Company’s goals. HR management
Perseroan. Pengelolaan SDM ini dilakukan secara adil implemented fairly and responsibly, starting
dan bertanggung jawab, mulai dari proses rekrutmen, from recruitment process, career advancement
kesempatan peningkatan karier, pengembangan opportunities, competency development, to
kompetensi, hingga kesejahteraan terkait remunerasi. prosperity in remuneration. The Company always
Perseroan senantiasa memberikan perhatian bagi pays attention to its human resources in the form of
SDM yang dimiliki dalam bentuk pengembangan competency development and prosperity level so that
kompetensi maupun tingkat kesejahteraan sehingga it is able to increase the Company’s competitiveness
mampu meningkatkan daya saing dan akselerasi and accelerate its performance.
kinerja Perseroan.
Sekilas Perkembangan Demografi Highlights on the Employees’
Karyawan Demography Development
Di tahun 2023, jumlah karyawan Pegadaian adalah In 2023, total employees of Pegadaian are 13,519
sebanyak 13.519 orang, mengalami pertumbuhan people, increase 569 people or 4.39% compared to
sebanyak 569 orang atau 4,39% jika dibandingkan 2022 which was 12,950 people. This growth caused
dengan tahun 2022 yang sebanyak 12.950 orang. by the transition of outsourced employees to organic
Pertumbuhan ini disebabkan oleh peralihan karyawan employees.
outsourcing menjadi karyawan organik.
Jumlah Karyawan 2019-2023 (orang)
Total Employees in 2019-2023 (person)
2019 14.035
2020 14.237
2021 14.371
2022 12.950
2023 13.519
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Fungsi Penunjang Bisnis
Business Support Function
Informasi lengkap mengenai demografi karyawan Complete information regarding the demographic of
Pegadaian dapat dilihat pada bab Profil Perusahaan Pegadaian employees can be seen in the Company
dalam Laporan Tahunan ini. Profile chapter in this Annual Report.
Struktur Pengelola SDM HR Management Structure
Di tahun 2023, Direktorat Human Capital menjadi In 2023, the Human Capital Directorate became its
Direktorat sendiri setelah sebelumnya tergabung own Directorate after previously being merged with
bersama Direktorat Human Capital, Legal, dan the Human Capital, Legal and Compliance Directorate.
Compliance. Direktorat Human Capital bertanggung The Human Capital Directorate is responsible for
jawab atas pengelolaan SDM di lingkungan Pegadaian HR management within Pegadaian with the aim
dengan tujuan untuk menciptakan SDM yang andal of creating reliable HR hence it can support the
sehingga dapat menunjang kinerja positif Perseroan. Company’s positive performance.
Direktorat Human Capital memiliki 3 (tiga) divisi yang The Human Capital Directorate has 3 (three) divisions
bertujuan untuk mendukung pengelolaan SDM, yaitu which aim to support HR management, namely Human
Divisi Operasional Human Capital, Divisi Strategi Capital Operational Division, Human Capital Strategy
Human Capital, dan Divisi Pegadaian Corporate Division, and Pegadaian Corporate University Division.
University. Adapun tugas dan tanggung jawab masing- Duties and responsibilities of each division can be
masing divisi tersebut dapat dilihat sebagai berikut: seen as follows:
Direktorat Human Capital
Human Capital Directorate
Divisi Operasional Human Capital Divisi Strategi Human Capital Divisi Pegadaian Corporate University
Human Capital Operational Division Human Capital Strategy Division Pegadaian Corporate University Division
Divisi Tugas dan Tanggung Jawab
Division Duties and Responsibilities
Divisi 1. Mengelola kegiatan penyusunan dan penyempurnaan kebijakan excellence operational dalam bidang
Operasional pengelolaan alih daya yang meliputi penyediaan jasa pekerjaan dan pemborongan pekerjaan di Pegadaian
Human Capital termasuk standarisasi ketentuan compensation dan benefit, sesuai dengan ketentuan yang berlaku.
Human Capital 2. Mengarahkan kegiatan penyusunan kebijakan operasional bidang hubungan kepegawaian yang harmonis
Operational guna tercapainya kesamaan visi, dan pemahaman yang seimbang antara pihak manajemen dengan
Division karyawan dan serikat m pekerja.
3. Mengarahkan kegiatan penyusunan dan penyempurnaan kebijakan excellence operational dalam bidang
human capital yang meliputi pengelolaan dan pengembangan aplikasi Human Capital Management
System (HCMS) sehingga dapat menyesuaikan dengan dinamika perubahan pengelolaan Human Capital
di Perusahaan.
4. Mengarahkan kegiatan operasional dan administrasi penggajian dan tunjangan, kompensasi dan benefit
karyawan (baik yang bersifat finansial maupun non finansial), termasuk asuransi karyawan, pemberian
penghargaan (reward), perjalanan dinas, pakaian kerja, kompensasi pasca hubungan kerja, serta
pembinaan jasmani dan rohani.
5. Mengarahkan kegiatan penyusunan kebijakan operasional, pengembangan, pengelolaan dan pelaksanaan
Talent Acquisition dan Onboarding karyawan sesuai dengan kebutuhan Perusahaan guna mendapatkan
resources calon karyawan dengan kualifikasi terbaik, efektif dan efisien.
6. Mengarahkan konsolidasi resources Perseroan dalam melaksanakan berbagai aktivitas yang sama dan
tersebar berfokus pada peningkatan efisiensi, efektivitas dan standarisasi proses untuk mencapai tujuan
Perseroan.
1. Manage the preparation and improvement of operational excellence policies in the field of outsourcing
management which includes the provision of work services and contracting work in Pegadaian including
standardization of compensation and benefit provisions, in accordance with applicable regulations.
2. Directing the activities of preparing operational policies in the field of harmonious employment relations in
order to achieve a common vision, and a balanced understanding between management and employees and
labor unions.
3. Directing the preparation and improvement of operational excellence policies in the field of human capital
which includes the management and development of the Human Capital Management System (HCMS)
application so that it can adjust to the dynamics of changes in Human Capital management in the Company.
4. Directing the operational and administrative activities of payroll and allowances, compensation and employee
benefits (both financial and non-financial), including employee insurance, rewards, official travel, work clothes,
post-employment compensation, and physical and spiritual development.
5. Directing the preparation of operational policies, development, management and implementation of Talent
Acquisition and Onboarding of employees in accordance with the needs of the Company in order to obtain
resources for prospective employees with the best qualifications, effectively and efficiently.
6. Directing the consolidation of the Company's resources in carrying out various activities that are similar and
scattered.
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Divisi Tugas dan Tanggung Jawab
Division Duties and Responsibilities
Divisi Strategi 1. Mengarahkan penyusunan, penyempurnaan, dan implementasi dari kebijakan, pedoman, prosedur (SOP),
Human Capital strategi, rencana kerja sama dan Service Level Agreement (SLA) terkait Divisi Strategi Human Capital;
Human Capital 2. Mengarahkan, monitoring dan menyempurnakan implementasi pengelolaan rencana kerja dan anggaran
Strategy biaya (RKAP) Divisi Strategi Human Capital;
Division 3. Mengarahkan, monitoring dan menyempurnakan pelaksanaan penelitian perkembangan dan permasalahan
terkini baik internal maupun eksternal terkait Divisi Strategi Human Capital;
4. Mengarahkan, monitoring dan menyempurnakan pengembangkan tools termasuk sarana prasarana IT
Divisi Strategi Human Capital;
5. Mengembangkan Human Capital sebagai business partner dengan membangun komunikasi dengan para
stakeholder baik internal & eksternal;
6. Mengarahkan dan monitoring handling complaint & contact point;
7. Mengarahkan, monitoring perumusan kajian dan analisa kebutuhan tenaga kerja (manpower planning)
yang sesuai dengan perencanaan tenaga kerja;
8. Mengarahkan, monitoring dan menyempurnakan pengelolaan Talent Management antara lain model
kompetensi, pemetaan talenta, pengembangan talenta, perencanaan suksesi serta mempertahankan
talenta;
9. Mengarahkan, monitoring dan menyempurnakan pengelolaan Career Path karyawan untuk mendukung
pengembangan karyawan melalui proses mutasi (promosi, rotasi dan demosi);
10. Mengembangkan Human Capital Analytic sebagai dasar pengambilan keputusan terkait aspek human
capital sebagai sumber perumusan dalam penerapan seluruh kebijakan Divisi Strategi Human Capital
secara berkelanjutan;
11. Mengarahkan, monitoring dan menyempurnakan terkait analisa, penyajian data dan laporan pada Divisi
Strategi Human Capital;
12. Mengarahkan, monitoring dan menyempurnakan pengelolaan desain organisasi yang meliputi perumusan
Organization Structure, Job Description, workload analysis dan Job Evaluation;
13. Mengarahkan, monitoring dan menyempurnakan pengelolaan compensation & benefit berdasarkan kajian
best practices & market competitiveness;
14. Mengarahkan, monitoring dan menyempurnakan pengelolaan reward program yang kompetitif berbasis
performance untuk mendukung peningkatan produktivitas karyawan;
15. Mengarahkan, monitoring dan menyempurnakan pengelolaan Performance Management System Individu.
16. Mengarahkan koordinasi dengan divisi terkait untuk peningkatan kinerja Divisi Strategi Human Capital
sesuai dengan tujuan perusahaan;
17. Mengarahkan pelaksanaan penetapan target kerja pada Unit Kerja di bawah koordinasinya;
18. Mewakili Perusahaan dalam kaitannya dengan pihak internal maupun eksternal berdasarkan kewenangan
yang diberikan Direksi sesuai ruang lingkup bidang tugasnya guna menjalankan kegiatan operasional di
Unit Kerjanya;
19. Melaksanakan penugasan-penugasan dari atasan sesuai dengan peran dan kompetensinya selama tidak
bertentangan dengan peraturan perundang-undangan serta norma dan etika yang berlaku dengan tujuan
untuk mencapai target/standar yang ditetapkan;
20. Mengimplementasikan standar etika perusahaan (code of conduct), budaya kerja, dan manajemen
perubahan pada Unit Kerjanya.
1. Directing preparation, refinement and implementation of policies, guidelines, procedures (SOP), strategies,
cooperation plans and Service Level Agreements (SLA) related to the Human Capital Strategy Division;
2. Directing, monitoring and perfecting the implementation of work plan and budget management (RKAP)
of Human Capital Strategy Division;
3. Directing, monitoring and perfecting the implementation of research on current developments and
problems both internally and externally related to the Human Capital Strategy Division;
4. Directing, monitoring and perfecting the development of tools including IT infrastructure for the Human
Capital Strategy Division;
5. Developing Human Capital as business partner by building communication with stakeholders both internal
& external;
6. Directing and monitoring complaint handling & contact points;
7. Directing, monitoring formulation of studies and analysis of labor needs (manpower planning) in
accordance with labor planning;
8. Directing, monitoring and improving Talent Management management, including competency models,
talent mapping, talent development, succession planning and talent retention;
9. Directing, monitoring and improving employee Career Path management to support employee
development through the transfer process (promotion, rotation and demotion);
10. Developing Human Capital Analytics as a basis for decision making related to human capital aspects as a
source for formulating all Human Capital Strategy Division policies on an ongoing basis;
11. Directing, monitoring and improving related analysis, data presentation and reports in the Human Capital
Strategy Division;
12. Directing, monitoring and perfecting organizational design management which includes the formulation
of Organization Structure, Job Description, workload analysis and Job Evaluation;
13. Directing, monitoring and improving compensation & benefits management based on studies of best
practices & market competitiveness;
14. Directing, monitoring and improving the management of performance-based competitive reward
programs to support increased employee productivity;
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Fungsi Penunjang Bisnis
Business Support Function
Divisi Tugas dan Tanggung Jawab
Division Duties and Responsibilities
15. Directing, monitoring and improving the management of the Individual Performance Management System.
16. Directing coordination with related divisions to improve performance of the Human Capital Strategy
Division in accordance with company goals;
17. Directing the implementation of work target setting in the Work Unit under coordination;
18. Representing the Company in relation to internal and external parties based on the authority granted by
the Board of Directors in accordance with the scope of the duties to carry out operational activities in
Work Units;
19. Fulfilling assignments from superiors in accordance with role and competence as long as do not conflict
with statutory regulations as well as applicable norms and ethics with the aim of achieving the targets/
standards that have been set;
20. Implementing company ethical standards (code of conduct), work culture and change management in
the work unit.
Divisi Pegadaian 1. Mengarahkan kegiatan penyusunan & penyempurnaan kebijakan pengembangan implementasi, monitoring
Corporate dan evaluasi program-program training akademi maupun Individual Development Program (lDP) pada
University Pegadaian Corporate University berdasarkan hasil Training Need Analysis (TNA) dengan menggunakan
Pegadaian pola Blended Learning Solutions (BLS).
Corporate 2. Mengarahkan kegiatan pengelolaan operasional Pegadaian Corporate University berdasarkan prinsip-
University prinsip yang ditetapkan Pegadaian Corporate University Governance.
Division 3. Mengarahkan kegiatan penyusunan & penyempurnaan kebijakan, implementasi, dan pengelolaan
standardisasi tampilan fisik, fungsionalitas, dan fasilitas pendukung/penunjang kegiatan operasional
training lainnya sesuai ketentuan yang ditetapkan.
4. Mengarahkan kegiatan penyusunan & penyempurnaan kebijakan, pengembangan, implementasi
infrastruktur pendukung baik yang bersifat aplikasi teknologi informasi maupun non teknologi informasi
guna mendukung efisiensi dan efektivitas pekerjaan di Pegadaian Corporate University.
5. Mengarahkan kegiatan penyusunan & penyempurnaan kebijakan, pengembangan, implementasi
pengelolaan, monitoring & evaluasi program sertifikasi serta Lembaga Sertifikasi Profesi (LSP) Pegadaian.
1. Directing activities for preparing & refining implementation development policies, monitoring and
evaluating academic training programs and the Individual Development Program (lDP) at Pegadaian
Corporate University based on results of Training Need Analysis (TNA) using the Blended Learning
Solutions (BLS) pattern.
2. Directing operational management activities of Pegadaian Corporate University based on the principles
established by Pegadaian Corporate University Governance.
3. Directing activities for preparing & refining policies, implementation and management of standardization
of physical appearance, functionality and supporting facilities/supporting other training operational
activities in accordance with established provisions.
4. Directing activities for preparing & refining policies, developing and implementing supporting infrastructure
both in the form of information technology and non-information technology applications to support the
efficiency and effectiveness of work at Pegadaian Corporate University.
5. Directing activities for preparing & refining policies, developing, implementing management, monitoring &
evaluating certification programs and the Pegadaian Professional Certification Institute (LSP).
Strategi Manajemen SDM HR Management Strategy
Pengelolaan SDM di lingkungan Pegadaian dilakukan HR management within Pegadaian is carried out
secara komprehensif dan berkesinambungan. comprehensively and continuously. The Company is
Perseroan berkomitmen untuk senantiasa committed to always paying attention to all employees,
memperhatikan seluruh karyawan, mulai dari proses starting from recruitment process until entering
rekrutmen hingga memasuki masa purnabakti retirement. Commitment to implement the best HR
(pensiun). Komitmen dalam melakukan pengelolaan management is also realized through management
SDM terbaik juga diwujudkan melalui pengelolaan that refers to applicable laws and regulations,
yang mengacu pada peraturan perundang-undangan especially regarding employment, as well as best
yang berlaku, khususnya terkait ketenagakerjaan, practices in HR management from both companies in
serta best practices dalam pengelolaan SDM baik dari Indonesia and abroad.
perusahaan di Indonesia maupun mancanegara.
Rekrutmen Recruitment
Proses rekrutmen di lingkup Pegadaian dimulai Recruitment process within Pegadaian begins by
dengan membuat proyeksi kebutuhan karyawan making projection of employee needs for the current
untuk tahun berjalan hingga 5 (lima) tahun ke depan. year to the next 5 (five) years. This projection always
Proyeksi ini senantiasa menyesuaikan dengan rencana adapts to the plans and strategies that have been
dan strategi yang telah disusun Perseroan, baik untuk prepared by the Company, both for short, medium and
jangka pendek, menengah, dan panjang. Proses long term. The recruitment process is also carried out
rekrutmen juga dilakukan dengan memperhatikan by paying attention to the principles of good corporate
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prinsip-prinsip tata kelola perusahaan yang baik yakni governance, conducted transparently and openly to
dilakukan secara transparan dan terbuka bagi seluruh all applicants without discriminating against gender,
pelamar tanpa membeda-bedakan jenis kelamin, suku, ethnicity, race, or religion as long as the candidates
ras, etnis ataupun agama tertentu sepanjang para meet the requirements set by the Company.
kandidat memenuhi persyaratan yang ditetapkan
Perseroan.
Perseroan melakukan proses rekrutmen melalui The Company conducting the recruitment process
beberapa channel penerimaan, seperti program through several recruitment channels, such as
recruitment goes to campus (campus hiring), job fair, recruitment goes to campus (campus hiring)
serta publikasi iklan lowongan pekerjaan di samping program, job fair, as well as publication of job vacancy
melalui website Pegadaian Karir dan juga di sosial advertisement on Pegadaian Karir website and also on
media official milik Perseroan. Sampai dengan 31 the Company’s official social media. Until December 31,
Desember 2023, Perseroan melakukan perekrutan 2023, the Company has recruited 28 new employees,
karyawan baru sebanyak 28 orang yang seluruhnya all of them are contract employees and have been
adalah karyawan kontrak dan telah disesuaikan suited to Pegadaian’s needs. In general, the process
dengan kebutuhan Pegadaian. Secara umum, proses of meeting employee needs up to onboarding can be
pemenuhan kebutuhan karyawan sampai dengan described as follows:
onboarding dapat digambarkan sebagai berikut:
Manpower Request Process
Prosedur Keterangan Dokumen Terkait
No. PIC
Procedure Description Related Documents
1. Strategi Perusahaan SHC 1. Melakukan analisis Manpower Planning Nota Dinas Memorandum
Strategy of the sesuai dengan kebutuhan Perseroan Service Memorandum
Company 2. Melakukan diskusi dengan unit kerja
terkait
1. Implement Manpower Planning analysis
according to the Company's needs
2. Hold discussions with related work units
2. Kebutuhan SDM Unit Kerja Membuat Hiring Plan Tercatat secara digital melalui
HR Needs Terkait Make Hiring Plan aplikasi rekrutmen
Related Work Registered digitally via recruitment
Units application
3. Evaluasi Permintaan SHC Mengajukan pemenuhan SDM Tercatat secara digital melalui
SDM Apply for HR fulfillment aplikasi rekrutmen dan HCMS
HR Request Registered digitally via recruitment
Evaluation application and HCMS
4. Approval Direktur SHC 1. Melakukan monitoring jumlah 1. Offering letter perjanjian
HC/Terkait Manpower Planning yang telah disetujui 2. PKWT/PKWTT
Approval from the 2. Mengajukan permohonan approval 1. Offering letter of agreement
Director of HC/ Hiring Plan 2. PKWT/PKWTT
Related 1. Monitor the number of Manpower
Planning that has been approved
2. Submit request for Hiring Plan approval
5. Induction/Onboard SHC Penempatan kerja Job description
Job placement
Pengembangan Karier Career Development
Pegadaian melaksanakan program pengembangan Pegadaian is running a career development program
karier yang bertujuan untuk memetakan penempatan which aims to map the placement of human resources
SDM sesuai dengan kompetensinya dan struktur according to their competencies and organizational
organisasi. Program pengembangan karier dilakukan structure. The career development program is
dengan mengidentifikasi profil kompetensi dan kinerja carried out by identifying employee competency and
karyawan. performance profile.
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Fungsi Penunjang Bisnis
Business Support Function
Di samping itu, program pengembangan karier ini In addition, this career development program is
dilaksanakan untuk memberikan apresiasi dan evaluasi implemented to provide appreciation and evaluation
bagi karyawan Pegadaian dalam rangka peningkatan for Pegadaian employees in order to improve the
kapabilitas dan kinerja Perseroan. Pengembangan Company’s capabilities and performance. Career
karier yang dilakukan Perseroan sepanjang tahun development carried out by the Company throughout
2023 adalah sebagai berikut: 2023 is as follows:
Promosi dan Mutasi Karyawan
Employees’ Promotion and Mutation
Hasil Review
2023 2022
Review Result
Promosi 3.977 1.720
Promotion
Mutasi/Rotasi 530 984
Mutation/Rotation
Demosi 1 6
Demotion
Rekrutmen Karyawan Tetap per Bulan di Sepanjang Tahun 2023
Recruitment of Permanent Employees per Month throughout 2023
Bulan Jumlah Karyawan Baru
Month Total New Employees
Januari | January 1195
Februari | February 2
Maret | March 8
April | April 8
Mei | May 7
Juni | June 1
Juli | July -
Agustus | August 3
September | September 2
Oktober | October 16
November | November 7
Desember | December 2
Penilaian Kinerja Performance Assessment
Pegadaian telah merancang Key Performance Pegadaian has designed Key Performance Indicator,
Indicator, penetapan target, pengukuran realisasi, setting target, measuring realization, and monitoring
serta monitoring realisasi. Secara periodik, Perseroan realization. Periodically, the Company carries
melaksanakan penilaian atas unjuk kerja dan out assessment of employee performance and
kompetensi karyawan yang selanjutnya digunakan competency which are then used as consideration for
sebagai pertimbangan atas remunerasi dan the remuneration and development of the employees
pengembangan pegawai yang bersangkutan. concerned.
Key Performance Indicator terbagi menjadi 2 (dua), Key Performance Indicator divided into 2 (two), namely
yaitu Key Performance Indicator Unit Kerja dan Work Unit Key Performance Indicator and Individual Key
Key Performance Indicator Individu. KPI Unit Kerja Performance Indicator. Work Unit KPI is performance
adalah target kinerja yang merupakan cascading dari target which is a cascading of company performance
target kinerja perusahaan yang dimulai dari Divisi, target starting from Division, Regional Office, Area
Kantor Wilayah, Kantor Area, Kantor Cabang sampai Office, Branch Office to Branch/Sharia Service Unit.
dengan Unit Pelayanan Cabang/Syariah. Sedangkan Meanwhile, the Individual Key Performance Indicator is
Key Performance Indicator Individu adalah penilaian assessment of individual performance within the work
kinerja individu di dalam unit kerja yang mendukung unit that support the achievement of Work Unit Key
tercapaikan Key Performance Indicator Unit Kerja. Hasil Performance Indicator. Results of the Individual Key
penilaian Key Performance Indicator Individu dijadikan Performance Indicator assessment are used as part of
bagian dari pengembangan talenta bagi karyawan. talent development for employees.
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Performance Management System yang dikembangkan The Performance Management System developed
Perseroan pada tahun 2018 menggunakan 2 (dua) by the Company in 2018 used 2 (two) assessment
variabel penilaian, yaitu Key Performance Indikator variables, namely Key Performance Indicator (KPI)
(KPI) dengan bobot penilaian Kuantitatif dan Budaya with Quantitative assessment weight and Company
Kerja Perusahaan dengan penilaian Kualitatif. Rincian Work Culture with Qualitative assessment. Details of
penilaian Performance Management System adalah Performance Management System assessment are as
sebagai berikut: follows:
Penilaian Kinerja
Key Performance Indicator Budaya Kerja
Performance
(KPI) Work Culture
Management System
=
Bobot/ Weight Bobot/ Weight
Bobot/ Weight
90% 10%
100%
Key Performance Indicator Individu, yang berisi Individual Key Performance Indicator, which contain
target yang telah dicanangkan oleh manajemen, targets that have been set by management, have
memiliki bobot hingga 90% dari keseluruhan total a weight of up to 90% of the total performance
penilaian kinerja, meliputi penetapan target setting assessment, including determining target setting
dan Performance Review dengan data yang telah and Performance Review with data provided in the
disediakan pada aplikasi Management Information Management Information System (MIS) application.
System (MIS). Sisanya, sebanyak 10% didapatkan The remaining 10% is obtained from the Company’s
dari Budaya Kerja Perusahaan, yaitu penilaian atas Work Culture, an assessment of employees’ ability
kemampuan karyawan dalam menampilkan perilaku to display behavior that is in accordance with the
yang sesuai nilai-nilai Budaya Perusahaan dalam Company’s Cultural values in daily activities such
aktivitas sehari-hari seperti AKHLAK (Amanah, as AKHLAK (Trustworthy, Competent, Harmonious,
Kompeten, Harmonis, Loyal, Adaptif dan Kolaboratif). Loyal, Adaptive and Collaborative). Company Culture
Penilaian Budaya Perusahaan dilakukan oleh atasan Assessment is carried out by direct superior.
langsung.
Hasil penilaian digunakan untuk melakukan kebijakan Results of the assessment are used to implement
pengelolaan SDM hingga ke level setiap individu. HR management policies down to the level of each
Berdasarkan penilaian tersebut, Perseroan memiliki individual. Based on this assessment, the Company
profil dari setiap karyawan yang akan menjadi has profile of each employee which will be used as
bahan untuk melakukan kebijakan, seperti coaching material for implementing policies, such as coaching
mentoring, pengembangan, serta reward dan mentoring, development, as well as reward and
punishment. punishment.
Pelatihan dan Pengembangan Training and Competency
Kompetensi Development
Pegadaian memberi kesempatan yang sama Pegadaian provides equal opportunities for every
bagi setiap karyawan untuk mengikuti program employee to take part in competency development
pengembangan kompetensi yang dapat program that can encourage improvement in
mendorong peningkatan keahlian dan kapabilitas employee skills and capabilities. Pegadaian organize
karyawan. Pegadaian menyelenggarakan program this competency development program internally
pengembangan kompetensi ini secara internal dan and open opportunities for employees to take
membuka kesempatan bagi karyawan untuk mengikuti part in workshop, seminar and other competency
workshop, seminar dan program pengembangan development programs from external educational and
kompetensi lainnya dari lembaga pendidikan dan training institution.
pelatihan eksternal.
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Fungsi Penunjang Bisnis
Business Support Function
Di tahun 2023, Perseroan telah menyusun strategi In 2023, the Company has developed an HR
pengelolaan SDM terkait peningkatan kompetensi management strategy related to increasing
yang diwujudkan melalui program-program sebagai competency which is realized through the following
berikut: programs:
1. Peningkatan Digital Capability. 1. Increasing Digital Capability.
2. Program Peningkatan Kompetensi Inti (Diklat 2. Core Competency Improvement Program (Young
Penaksir Muda, Consultant Appraisal, Arise). Appraiser Training, Appraisal Consultant, Arise)
3. Branch Manager Course. 3. Branch Manager Course.
4. Global Leadership Forum. 4. Global Leadership Forum.
5. Pegadaian Talent Development Program. 5. Pegadaian Talent Development Program.
6. Program Beasiswa MBA. 6. MBA Scholarship Program.
7. Pelatihan Short Courses International Direksi dan 7. International Short Courses Training for the Board
Dewan Komisaris. of Directors and Board of Commissioners.
Pegadaian telah mengikutsertakan sejumlah karyawan Pegadaian has included a number of employees in
dalam program pelatihan dan pengembangan training and competency development program,
kompetensi, baik yang diselenggarakan secara in- both held in-house and organized by third parties
house maupun diselenggarakan oleh pihak ketiga using in-class, virtual learning and e-learning method.
dengan metode pembelajaran in-class, virtual learning, Throughout 2023, total employees participating in
dan e-learning. Sepanjang tahun 2023, akumulasi training and competency development programs was
karyawan yang mengikut program pelatihan dan 549,435 participants.
pengembangan kompetensi adalah sebanyak 549.435
peserta .
Rincian program pelatihan dan pengembangan Details of training and competency development
kompetensi beserta biayanya dapat dilihat sebagai program and its budget can be seen as follows:
berikut:
Biaya Pelatihan SDM Tahun 2023
Cost of HR Trainings in 2023
Jenis Program Jumlah Peserta Jumlah Biaya (Rp juta)
Type of Program Total Attendance Total Cost (Rp-million)
Training Bisnis Digital & IT 505.290 4.386,72
Digital Business & IT Training
Training Gadai & Emas 4.494 12.508,16
Pawn & Gold Training
Training Leadership 5.192 9,938,42
Leadership Training
Training Jaringan Operasional & Penjualan 1.174 17.888,13
Operational & Sales Network Training
Training Bisnis Mikro 2.944 8.091,48
Micro Business Training
Training Bisnis Syariah 2.294 6.506,47
Sharia Business Training
Training Supporting 23.775 52.259,45
Training Supporting
Sertifikasi 4.272 9.006,20
Certification
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Biaya dan Rata-Rata Jumlah Jam Pelatihan Karyawan
Cost and Average Number of Hours of Employee Training
Anggaran Realisasi Penyerapan
Realisasi 2023
Keterangan 2023 2022 Pertumbuhan Anggaran Anggaran 2024
Realization in
Description Budget for Realization Growth Budget Budget for 2024
2023
2023 in 2022 Absorption
Biaya Pelatihan
Tenaga Kerja (Rp)
120.585.038.345 167.988.800.191 88.195.617.734 37% 72% 87.704.540.146
Cost of Employees’
Training
Rata-Rata Jumlah
Jam Pelatihan per
Karyawan (Jam)
146 - 128 14% - -
Average of Total
Training Hours per
employee
Pemenuhan Hak Karyawan Fulfillment of Rights of the
Employees
Perseroan berkomitmen untuk menjamin kesejahteraan The Company is committed to ensuring the welfare
seluruh karyawan, salah satunya dengan memberikan of all employees, one of which is by providing
remunerasi bagi para karyawan yang memiliki kinerja remuneration for employees who have good
baik. Remunerasi atau imbalan kerja yang diberikan performance. Remuneration or employee benefits
oleh Perseroan merupakan bentuk komitmen imbal provided by the Company are a form of service
jasa kepada karyawan mencakup imbalan kerja jangka commitment to employees including short-term, long-
pendek, jangka panjang, imbalan pascakerja serta term employee benefits, post-employment benefits
pesangon apabila terjadi pemutusan hubungan kerja. and severance pay in the event of termination of
Imbalan kerja diberikan melalui gaji/honorarium, employment. Employee benefits are provided through
tunjangan-tunjangan, bonus, penghargaan masa kerja, salary/honorarium, allowance, bonus, long service
hingga program kesehatan dan program pensiun appreciation, as well as health program and pension
bagi karyawan. Perseroan senantiasa berupaya untuk program for employees. The Company always strives
memberikan struktur remunerasi yang kompetitif. to provide competitive remuneration structure.
Jumlah Remunerasi yang Diberikan kepada Karyawan
Total Remuneration of the Employees
Jumlah Remunerasi Karyawan Tahun 2023 Diberikan untuk
Total Employee Remuneration in 2023 Provided to
Rp4.035.292.595.465 13.519 employees
Jumlah Remunerasi Karyawan Tahun 2022 Diberikan untuk
Total Employee Remuneration in 2022 Provided to
Rp3.863.481.434.993 12.950 employees
Rasio Gaji Tertinggi dan Gaji Terendah
Ratio of Highest Salary and Lowest Salary
Rasio Skala Perbandingan
Ratio Comparison Scale
Rasio gaji karyawan yang tertinggi dan terendah 1:0,04
Ratio of highest and lowest employee salary
Rasio gaji Direksi yang tertinggi dan terendah 1:0,85
Ratio of highest and lowest salary for the Board of Directors
Rasio gaji Dewan Komisaris yang tertinggi dan terendah 1:0,9
Ratio of highest and lowest salary for the Board of Commissioners
Rasio gaji Direksi yang tertinggi dan karyawan tertinggi 1: 0,34
Ratio of highest salary for the Board of Directors and for employees
PT Pegadaian | 2023 Annual Report 263
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Fungsi Penunjang Bisnis
Business Support Function
Jumlah Kepesertaan Pelatihan SDM
Number of HR Training Participant
Jenis Pelatihan 2023 2022
Type of Training (orang/employees) (orang/employees)
Pelatihan Leadership 5.192 2.491
Leadership Training
Pelatihan Bisnis 10.906 26.025
Business Training
Pelatihan Supporting 23.775 9.205
Supporting Training
e-Learning 491.113 275.861
e-Learning
Lain-lain 18.449 67.728
Etc
Jumlah 549.435 381.310
Total
Pembentukan Lingkungan Kerja yang Realization of Conducive Work
Kondusif Environment
Perseroan menganggap bahwa lingkungan kerja yang The Company considers that conducive work
kondusif menjadi salah satu faktor pendukung dalam environment is one of supporting factors in
mendorong kinerja karyawan. Untuk itu, Pegadaian encouraging employee performance. By this reason,
berkomitmen untuk membentuk lingkungan kerja yang Pegadaian is committed to creating a conducive work
kondusif untuk meningkatkan kesejahteraan karyawan, environment to improve employee welfare, including
di antaranya dengan menyediakan tempat ibadah, by providing places of worship, creating sports
membuat komunitas olahraga, dan mengadakan communities, and holding events on religious holidays.
acara-acara pada hari raya keagamaan.
Perseroan juga memberikan kesempatan kepada The Company also provides opportunities for all
seluruh karyawan untuk mengembangkan dirinya employees to develop themselves through various
melalui berbagai kegiatan di luar tanggung jawab activities outside of performance responsibilities.
performa kinerja. Kegiatan-kegiatan seperti olahraga, Activities such as sports, religious activities and other
kegiatan keagamaan, dan kegiatan hobi lainnya hobby activities are expected to provide a platform
diharapkan mampu memberikan wadah kepada for each employee to get to know each other more
setiap karyawan untuk lebih mengenal satu sama lain personally. With this personal introduction, it is
secara personal. Dengan pengenalan personal ini, hoped that it will be able to create conducive work
diharapkan mampu membentuk lingkungan kerja yang environment so that it can increase employee loyalty
kondusif sehingga dapat meningkatkan loyalitas dan and performance productivity.
produktivitas kinerja karyawan.
Hubungan Industrial dan Kebebasan Industrial Relations and Freedom of
Berorganisasi Organization
Perseroan senantiasa memberikan kebebasan bagi The Company always providing freedom for each of its
setiap karyawannya untuk berkumpul, berpendapat, employees to gather, express opinions and associate.
dan berserikat. Mengingat pentingnya hubungan Considering the importance of industrial relations in
industrial dalam perusahaan, Pegadaian telah the company, Pegadaian has provided facilities that
menyediakan fasilitas yang dapat mendukung can support the activities of its employees. In addition,
kegiatan karyawannya. Di samping itu, Perseroan juga the Company also provides opportunities for each
memberikan kesempatan bagi setiap karyawannya employee to develop by listening to suggestions for
untuk berkembang dengan mendengarkan usulan improvements, opinions and criticism regarding the
perbaikan, pendapat maupun kritik tentang Company’s operations. Apart from providing freedom
operasional Perusahaan itu sendiri. Selain memberikan to its employees, the Company also respects the
kebebasan kepada karyawannya, Perusahaan juga freedom of opinion of each employee.
menghormati kebebasan berpendapat dari setiap
karyawan.
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Perseroan telah mewujudkan Undang-Undang The Company has implemented Law No. 13 of 2003
No. 13 Tahun 2003 tentang Ketenagakerjaan dan on the Employment and ILO Convention 87 which
ILO Convention 87 yang menjamin kebebasan guarantees the freedom of employees to join employees’
karyawan untuk bergabung dalam organisasi pekerja organizations through the Workers Union. The ILO
melalui adanya Serikat Pekerja. Konvensi ILO turut Convention also emphasize workers’ organizations
menegaskan tentang organisasi pekerja sebagai as a means of liaison between employees and the
sarana penghubung antara karyawan dengan company in order to create harmonious relationship
perusahaan guna menciptakan hubungan harmonis that is mutually beneficial to all parties, where this has
yang saling menguntungkan semua pihak, di mana been implemented through an agreement between
hal ini telah dilaksanakan melalui kesepakatan antara company management and the Workers Union as
manajemen perusahaan dan Serikat Pekerja yang stated in the Collective Labor Agreement (PKB) which
tertuang dalam Perjanjian Kerja Bersama (PKB) yang covers all Company employees.
mencakup seluruh karyawan Perseroan.
Seperti diatur dalam PKB, Perusahaan harus membantu As regulated in the PKB, the Company must help
menyediakan sarana ataupun fasilitas yang dibutuhkan provide the facilities needed by the Workers Union
oleh Serikat Pekerja dalam menjalankan kegiatan to conduct operational activities. Management
operasional. Manajemen juga memberikan waktu also provides dispensation time to Management
dispensasi kepada Pengurus dan/atau anggota Serikat and/or Workers Union members who must resolve
Pekerja yang harus menyelesaikan permasalahan employment issues. The PKB also stipulates that
ketenagakerjaan. Dalam PKB juga diatur ketentuan management is prohibited from exerting pressure,
bahwa manajemen dilarang melakukan penekanan, discrimination and intimidation against members and
diskriminasi, dan intimidasi kepada anggota dan officials of the Workers Union.
Pengurus Serikat Pekerja.
Susunan Dewan Pengurus Pusat Serikat Composition of the Central Board
Pekerja Pegadaian Periode 2022-2024 of Committees of Workers Union of
Pegadaian for 2020-2024 Period
Hingga akhir tahun 2023, jumlah anggota Serikat By the end of 2023, the number of members of
Pekerja Pegadaian mencapai 13.519 orang, di mana Pegadaian Workers Union reached 13,519 people,
jumlah anggota Serikat Pekerja Pegadaian mencapai where total members of the Pegadaian Workers
100% dari jumlah keseluruhan karyawan. Adapun Union reached 100% of the total number of Pegadaian
rincian susunan Dewan Pengurus Pusat Serikat Pekerja employees. Details of the composition of the Central
Pegadaian Periode 2022-2024 dapat dilihat sebagai Board of Commitees of Pegadaian Workers Union for
berikut: the 2022-2024 period can be seen as follows:
Ketua Umum Ketut Suhardiono
Chairman
Sekretaris Jenderal Rosyid Hamidi
General Secretary
Ketua I Mufriandi
Chairman I
Ketua II Marshali Aritonang
Chairman II
Wakil Sekretaris Jenderal Susetyo Adi
Vice General Secretary
Bendahara Nur Fadilah Achyani
Treasurer
Wakil Bendahara Merina Wulandari
Vice Treasurer
Departemen
Department
Departemen Perlindungan & Bantuan Hukum • Satriya Bratawijaya
Department of Law Assisstance • Leonard Sirait
Departemen Organisasi & Keanggotaan • Yosua Rino Pravitoadi Tewu
Department of Organization & Membership • Franskel Wawan
Departemen Usaha & Kesejahteraan • Anang Fajaranto
Department of Business & Welfare • Cut Yusnidar
PT Pegadaian | 2023 Annual Report 265
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Fungsi Penunjang Bisnis
Business Support Function
• Adi Riswan
Departemen Data & Informasi • Airlangga Ramadhan
Department of Data & Information • Lukman Arizal
Departemen Penelitian & Kajian Strategis • Joko Mulyono
Department Research & Strategic Study • Widodo Nur Cahyono
Departemen Olah Raga & Seni • Bakti Abdillah
Department of Sports & Arts • Iswanto
• Tanto Widyastono
Departemen Kerohanian & Sosial • I Dewa N Hrishikesananda
Department of Spirituality & Social • Epafras Ekahasta Christian
Departemen Humas • Nursapto Edi Prabowo
Department of Public Relation • Crisda Wibawa Rusmayanti
Survei Engagement Karyawan Employee Engagement Survey
Survei engagement karyawan merupakan salah satu The employee engagement survey is one of Company’s
upaya Perseroan dalam memperhatikan karyawannya efforts to care to its employees as best as possible,
sebaik mungkin yang mana hal tersebut sebagai which is a reflection of the Company’s sensitivity to
cerminan kepekaan Perusahaan kepada karyawannya. its employees. For this reason, Pegadaian routinely
Untuk itu, Pegadaian secara rutin melaksanakan carries out employee engagement survey, which is a
survei engagement karyawan, yang merupakan cara way to measure the level of employee engagement
yang dilakukan untuk mengukur tingkat keterikatan with the Company. The level of employee engagement
karyawan terhadap Perusahaan. Tingkat keterikatan is reflected in the enthusiasm, dedication and sense
karyawan tercermin dari semangat, dedikasi, dan rasa of togetherness of all employees to achieve the
kebersamaan pada seluruh karyawan demi tercapainya Company’s goals and success.
tujuan dan keberhasilan Perseroan.
Tingkat keterikatan karyawan ini juga menggambarkan This level of employee engagement also illustrates
bagaimana kesiapan Pegadaian akan menjadi High how Pegadaian is ready to become a High Performing
Performing Organization dan siap berkompetisi, baik Organization and ready to compete, both in the
pada industri keuangan nasional maupun regional. national and regional financial industry. The Pegadaian
Employee Engagement Survey Pegadaian yang Employee Engagement Survey conducted in 2023 was
dilakukan pada tahun 2023 diikuti sebanyak 12.118 attended by 12,118 employees or 99.4% of the total
karyawan atau 99.4 % dari total karyawan Pegadaian Pegadaian employees who contributed by voting in
yang berkontribusi dalam memberikan suaranya this survey.
dalam survei ini.
Uraian singkat hasil survei keterikatan karyawan di Brief description of employee engagement survey
tahun 2023 : results in 2023:
Growth 4,45
SKOR
EMPLOYEE ENGAGEMENT 2023
Teamwork 4,51
+0,20% 4,44
Management
Support
4,49
4,54
Basic Needs
AREA PENGEMBANGAN AREA KEKUATAN
Employee Engagement Tahun 2023 Employee Engagement Tahun 2023
Dalam tujuh hari terakhir, saya mendapatkan pengakuan Misi atau tujuan perusahaan membuat saya merasa bah-
atau pujian karen melakukan pekerjaan dengan baik. Q8. Mission/ Porpose wa pekerjaan saya memberikan manfaat/penting.
Q4. Recognition
Q11. Progress Dalam enam bulan terakhir, seseorang di tempat kerja Q3. Opportunity To Do Best Saya mendapatkan kesempatan untuk melakukan peker-
mengajak saya untuk berdiskusi tentang perkembangan jaan yang terbaik setiap harinya
diri saya
Q5. Cares About Me Q1. Know What’s Expected Saya memahami apa yang perusahaan harapkan dan
pekerjaan saya
Lingkungan kerja saya peduli terhadap saya
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Q12. Dalam setahun terakhir, saya berkesempatan untuk belajar dan mengembangkan
diri di dalam pekerjaan 4,51 +0,22
4,45 Growth Q11. Dalam enam bulan terakhir, seseorang di tempat kerja mengajak saya untuk +0,28
berdiskusi tentang perkembangan diri saya 4,40
Q10. Saya memiliki teman baik di tempat kerja
4,53 +0,14
Q9. Rekan kerja saya berkomunikasi untuk melakukan pekerjaan berkualitas
Q8. Misi atau tujuan perusahaan membuat saya merasa bahwa pekerjaan saya memberikan
4,48 +0,17
4,51 Teamwork manfaat/penting.
Q7. Saya dapat menyampaikan pendapat/ide di unit kerja saya 4,56 +0,20
4,48 +0,19
Q6. Lingkungan kerja saya mendukung pengembangan diri saya 4,47 +0,21
Q5. Lingkungan kerja saya peduli terhadap saya
Management Q4. Dalam tujuh hari terakhir, saya mendapatkan pengakuan atau pujian karen melakukan 4,41
4,44 Support
pekerjaan dengan baik
Q3. Saya mendapatkan kesempatan untuk melakukan pekerjaan yang terbaik setiap harinya 4,29
+0,19
4,57
+0,30
Q2. Saya mendapatkan fasilitas kerja yang diperlukan untuk mendukung saya 4,47 +0,19
melakukan pekerjaan dengan benar +0,18
Basic Q1. Saya memahami apa yang perusahaan harapkan dari pekerjaan saya 4,62 +0,13
4,54 Needs
Nilai Tertinggi Nilai Terendah
Perkembangan Pengelolaan SDM ke Future Development of Human
Depan Resources Management
Pegadaian berkomitmen untuk terus mengembangkan Pegadaian is committed to continuing to develop HR
pengelolaan SDM dengan mengacu pada arah dan management by referring to the direction and strategy
strategi yang dituangkan dalam Rencana Jangka outlined in the Company’s Long Term Plan. In general,
Panjang Perusahaan. Secara garis besar, rencana the HR management and training plan in 2024 is as
pengelolaan dan pelatihan SDM di tahun 2024 adalah follows:
sebagai berikut:
1. Menumbuhkan Performance Driven Culture untuk 1. Developing Performance Driven Culture to increase
peningkatan produktivitas perusahaan. company productivity.
2. Menjadi partner dan membantu memberikan solusi 2. Become partner and help provide solutions for the
pencapaian Bisnis perusahaan. company’s business achievements.
3. Memperkuat manajemen Talenta (Talent 3. Strengthen Talent Management to develop highly
Management) untuk mengembangkan talenta competitive talents in order to produce future
berdaya saing tinggi dalam rangka mencetak leaders.
pemimpin masa depan.
4. Memberikan dampak yang lebih luas terhadap 4. Provide a wider impact on business through an
bisnis melalui sistem pengelolaan Human Capital integrated Human Capital management system.
yang terintegrasi (Integrated Human Capital
Management).
Pelatihan yang akan dilaksanakan pada tahun 2024 Training that will be implemented in 2024 includes the
antara lain sebagaimana tabel berikut ini: following table:
Nama Pelatihan Peserta
No
Training Name Participant
1 Pegadaian Leadership Development Program (PLDP) BOD-1, BOD-2, BOD-3,BOD-4, dan BOD-5
2 Training On Boarding All level
3 Training Off Boarding All level
4 Global Leadership Program BOD, BOC
5 Leadership Shortcourse Luar Negri BOD
6 Training Audit dan Kepatuhan Operasional SPI
7 Training Branch Manager Course Pemimpin Cabang/Branch Manager
8 Training Penaksir Muda Penaksir/Estimator
9 Training Penaksir Madya Penaksir/Estimator
10 Training Consultant Appraisal Penaksir/Estimator
11 Training Gemologist Penaksir/Estimator
PT Pegadaian | 2023 Annual Report 267
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Fungsi Penunjang Bisnis
Business Support Function
Nama Pelatihan Peserta
No
Training Name Participant
12 Bullion Service Competencies All Level
13 Training Manajemen Resiko (Ahli Madya MR) Pemimpin Cabang/Branch Manager
14 Training Analis Risiko Pengelola UPC/S/UPC/S Manager
15 Training APU PPT PPPSPM Pemimpin Cabang/Branch Manager
16 Training Risk Management (GRC) All Level
17 Training & Sertifikasi Direksi Direksi/Director
18 Sertifikasi Penaksir Muda Penaksir Muda/ Young Estimator
19 Pegadaian Specialist Development Program (PSDP) Bidang Bisnis All Level
20 RCC/Sertifikasi Ulang Penaksir Penaksir/Estimator
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06
Tata Kelola Perusahaan
Corporate Governance
Tata Kelola Perusahaan
Corporate Governance
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06 PT Pegadaian | 2023 Annual Report 271
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Tata Kelola Perusahaan
Corporate Governance
Prinsip Umum Governansi Korporat
General Principles of Corporate Governance
Penerapan prinsip governansi korporat dianggap The implementation of corporate governance
penting sebagai salah satu proses menjaga principles is considered important as one of the
keberlangsungan bisnis sehingga diharapkan dapat processes of maintaining business continuity so that it
menciptakan persaingan yang sehat dan iklim usaha is expected that it could create healthy competition and
yang kondusif. Governansi korporat menjadi salah satu a conducive business climate. Corporate governance
pilar utama pada konsep pembangunan berkelanjutan is one of the main pillars of the concept of sustainable
atau sustainability development agar dapat development so that it may form the foundation of a
membentuk fondasi iklim investasi yang sehat. Bagi healthy investment climate. For investors, corporate
investor, governansi korporat juga menjadi salah satu governance is also a fundamental factor in assessing
faktor fundamental dalam menilai kinerja Perseroan the Company’s sustainable performance into the
yang berkelanjutan hingga masa mendatang. future.
Ruang Lingkup GCG
GCG Scope
Governance Korporat dalam Arti Luas
Corporate Governance in a Broad Sense
Transparansi
Transparency
Governance Korporat dalam Arti Sempit
Pemerintah Corporate Governance in the Narrow Sense Kreditur
Government Creditur
Akuntabilitas RUPS Dewan Komisaris
Accountability AGMS Board of Commissioners
Direksi
Board of Directors
Responsibilitas
Responsibility
Pejabat Pejabat
Independensi Officials Officials
Independency
Karyawan/Staff
Fairness/ Kewajaran Employee /Staff
Fairness
Manajemen Korporat
Pemasok Corporate Kreditur
Supplier Management Creditur
Masyarakat
Society
Saat ini, prinsip-prinsip governansi korporat mengalami Currently, the principles of corporate governance are
perkembangan seiring dengan berkembangnya developing along with the development of the business
lingkungan bisnis pada dunia usaha. Prinsip tersebut environment. This principle focuses on ethically based
menitikberatkan pada hubungan pemangku stakeholders and company relationship, a fair and
kepentingan dan perusahaan yang berlandaskan transparent performance accountability process,
etika, proses pertanggungjawaban kinerja secara material information as a consideration for decision
wajar dan transparan, mempertimbangkan informasi making, and carrying out responsibilities towards
yang material sebagai pertimbangan pengambilan society and the environment in order to contribute to
keputusan, serta melaksanakan tanggung jawab sustainable development.
terhadap masyarakat dan lingkungan agar
berkontribusi pada pembangunan berkelanjutan.
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Prinsip Dasar dan Komitmen
serta Perkembangan Penerapan
Governansi Korporat Secara
Berkelanjutan di Lingkup Pegadaian
Basic Principles and Commitment as well as the Development
of Sustainable Governance Implementation in Pegadaian
Dasar-Dasar dan Komitmen Foundation and Commitment in
Penerapan Tata Kelola Perusahaan Implementing Good Corporate
yang Baik Governance
Komitmen dan Prinsip Penerapan Commitment and Principles for
Governansi Korporat di Lingkup Implementing Corporate Governance in
Pegadaian Pegadaian
Pegadaian senantiasa melakukan evaluasi atas Pegadaian always evaluate the development of
perkembangan praktik governansi korporat corporate governance practices as a commitment
sebagai komitmen untuk terus berinovasi dalam to continue innovate in perfecting the governance
menyempurnakan penerapan governansi di lingkup implementation within the Company’s organizational
keorganisasian Perseroan. Pegadaian mempercayai scope. Pegadaian believes that the implementation of
bahwa penerapan governansi Perusahaan korporat corporate governance encourages strength in facing
mendorong kekuatan dalam menghadapi setiap every future challenge and becomes a business entity
tantangan ke depan dan menjadi entitas usaha dengan with competitive competencies.
kompetensi yang kompetitif.
Penerapan Tata Kelola Perusahaan yang baik di The implementation of good corporate governance at
PT Pegadaian selaras dengan Pedoman Umum PT Pegadaian is in line with the 2021 General Guidelines
Governansi Korporat Indonesia (PUGKI) Tahun 2021 for Indonesian Corporate Governance (PUGKI)
yang diterbitkan oleh Komite Nasional Kebijakan published by the National Committee for Governance
Governance (KNKG) melalui penerapan prinsip Policy (KNKG) through the implementation of
governansi korporat berlandaskan pada 4 (empat) corporate governance principles based on 4 (four)
pilar, yaitu Perilaku Beretika, Akuntabilitas, Transparan, pillars, namely Ethical Behavior, Accountability,
dan Keberlanjutan. Adapun informasi mengenai Transparency, and Sustainability. Information
prinsip governansi korporat serta penerapannya di regarding the principles of corporate governance and
lingkup Perusahaan diuraikan sebagai berikut: the implementation within the Company is described
as follows:
PT Pegadaian | 2023 Annual Report 273
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Tata Kelola Perusahaan
Corporate Governance
Prinsip Penjelasan Penerapan di Pegadaian
Principles Description Implementation in Pegadaian
Perilaku Beretika Dalam melaksanakan kegiatannya, korporasi senantiasa Perusahaan mengedepankan
Ethical Behavior mengedepankan kejujuran, memperlakukan semua kepentingan seluruh stakeholders dengan
pihak dengan hormat (respect), memenuhi komitmen, memperhatikan prinsip-prinsip Good
membangun serta menjaga nilai-nilai moral dan kepercayaan Corporate Governance dan berpedoman
secara konsisten. Korporasi memperhatikan kepentingan kepada Pedoman Standar Etika Bisnis dan
pemegang saham dan pemangku kepentingan lainnya Perilaku sebagaimana telah disahkannya
berdasarkan asas kewajaran dan kesetaraan (fairness) dan Peraturan Direksi No. 56 Tahun 2022
dikelola secara independen sehingga masing-masing organ tentang Standar Etika Bisnis dan Perilaku.
perusahaan tidak saling mendominasi dan tidak dapat The Company prioritizes the interests of
diintervensi oleh pihak lain. all stakeholders by paying attention to the
In conducting its activities, the corporation always prioritizes principles of Good Corporate Governance
honesty, treats all parties with respect, commitment, and is guided by the Standard Guidelines
build and maintain moral values and trust consistently. for Business Ethics and Behavior as has
Corporation pay attention to the interests of shareholders been ratified by Regulation of the Board
and other stakeholders based on the principles of fairness of Directors No. 56 of 2022 concerning
and equality and are managed independently so that each Business Ethics and Behavior Standards.
corporate organ does not dominate the other and cannot
be intervened by other parties.
Akuntabilitas Korporasi dapat mempertanggungjawabkan kinerjanya Perusahaan menerapkan kejelasan fungsi,
Accountability secara transparan dan wajar. Untuk itu Korporasi harus pelaksanaan dan pertanggungjawaban
dikelola secara benar, terukur dan sesuai dengan masing-masing bagian dalam Perusahaan
kepentingan korporat dengan tetap memperhitungkan sebagaimana diatur dalam Struktur
kepentingan pemegang saham dan pemangku kepentingan. Organisasi dan Tata Kerja Perusahaan.
Akuntabilitas merupakan prasyarat yang diperlukan untuk The Company implements clarity
mencapai kinerja yang berkelanjutan. in functions, implementation and
Corporation should be accountable for its performance responsibilities of each part of the Company
transparently and fairly. Corporation must be managed as regulated in the Organizational Structure
correctly, measurably and in accordance with corporate and Work Procedures of the Company.
interests while still taking into account the interests of
shareholders and stakeholders. Accountability is necessary
prerequisite for achieving sustainable performance.
Transparansi Untuk menjaga objektivitas dalam menjalankan bisnis, Perusahaan menyampaikan laporan
Transparency korporasi menyediakan informasi yang material dan Tahunan yang merupakan kewajiban
relevan dengan cara yang mudah diakses dan dipahami perusahaan kepada regulator dalam
oleh pemangku kepentingan. Korporasi mengambil rangka keterbukaan kepada stakeholders.
inisiatif untuk mengungkapkan tidak hanya masalah yang The Company submit an annual report
disyaratkan oleh peraturan perundang-undangan, tetapi which is the company’s obligation to the
juga hal yang penting untuk pengambilan keputusan oleh regulator in the context of openness to
pemegang saham, kreditur dan pemangku kepentingan stakeholders.
lainnya.
To maintain objectivity in running business, corporation
provide material and relevant information in a way that
is easily accessible and understood by stakeholders.
Corporation take the initiative to disclose not only issues
required by statutory regulations, but also matters that are
important for decision making by shareholders, creditors
and other stakeholders.
Keberlanjutan Korporasi mematuhi peraturan perundang-undangan Perusahaan menerapkan keuangan
Sustainability serta berkomitmen melaksanakan tanggung jawab keberlanjutan di dalam kegiatan proses
terhadap masyarakat dan lingkungan agar berkontribusi bisnis Perusahaan dan disampaikan melalui
pada pembangunan berkelanjutan melalui kerjasama Sustainability Report pada tiap tahunnya.
dengan semua pemangku kepentingan terkait untuk The Company implements sustainable
meningkatkan kehidupan mereka dengan cara yang selaras finance in the Company’s business process
dengan kepentingan bisnis dan agenda pembangunan activities and is submitted through a
berkelanjutan. Sustainability Report every year.
Corporation complies with statutory regulations and is
committed to fulfilling its responsibilities towards society
and the environment in order to contribute to sustainable
development by collaborating with all relevant stakeholders
to improve their lives in a way that is consistent with business
interests and the sustainable development agenda.
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Selain penerapan pilar-pilar tersebut, Perseroan Apart from implementing these pillars, the Company
juga menerapkan 8 (delapan) prinsip governansi also implements 8 (eight) principles of corporate
korporat yang berisi hak-hak pemegang saham, governance which contain the rights of shareholders
pemangku kepentingan dan pemenuhannya, aturan and stakeholders, basic rules regarding management,
pokok tentang pengelolaan, serta pengawasan atas as well as supervision over corporate management in
pengelolaan korporasi di Indonesia, termasuk aspek Indonesia, including ethical aspects, risk management,
etika, manajemen risiko, dan pengungkapan. Prinsip- and disclosure. These principles are divided into 3
prinsip tersebut terbagi dalam 3 (tiga) kelompok, (three) groups, namely:
yakni:
1. Kelompok prinsip pertama, kedua, dan ketiga 1. The first, second and third groups of principles
adalah prinsip yang mengatur fungsi pengurusan are principles that regulate the management
dan pengawasan korporasi, yaitu Direksi dan and supervision functions of corporations,
Dewan Komisaris; namely the Board of Directors and the Board of
Commissioners;
2. Kelompok prinsip keempat, kelima, dan keenam 2. The fourth, fifth and sixth groups of principles are
adalah prinsip yang mengatur proses dan keluaran principles that regulate the processes and outputs
yang dihasilkan oleh Direksi dan Dewan Komisaris; produced by the Board of Directors and the Board
of Commissioners;
3. Kelompok prinsip ketujuh dan kedelapan adalah 3. The seventh and eighth groups of principles are
prinsip yang mengatur pemilik sumberdaya, yang principles that regulate resource owners, who will
terutama akan menerima manfaat dari pelaksanaan primarily receive benefits from the implementation
governansi korporat. of corporate governance.
Prinsip-prinsip penerapan governansi korporat beserta The principles of implementing corporate governance
penjelasan penerapan dalam lingkup Perseroan along with an explanation of implementation within
diuraikan sebagai berikut: the scope of the Company are described as follows:
Prinsip Definisi Penjelasan
Principles Definition Description
Prinsip 1
Principle 1
Peran dan Tanggung Direksi dan Dewan Komisaris menjalankan Peran dan tanggung jawab Direksi dalam melakukan
Jawab Direksi dan peran dan tanggung jawabnya secara pengelolaan korporasi serta peran dan tanggung
Dewan Komisaris independen untuk menciptakan nilai yang jawab Dewan Komisaris dalam melakukan pengawasan
Roles and berkelanjutan untuk kepentingan terbaik atas pengelolaan korporasi oleh Direksi. Di samping
Responsibilities of the jangka panjang korporasi dan pemegang itu, Prinsip ini mengatur penilaian kinerja Direksi dan
Board of Directors saham, dengan mempertimbangkan Dewan Komisaris dan anggotanya masing-masing,
and Board of kepentingan para pemangku kepentingan. penanganan benturan kepentingan yang terjadi pada
Commissioners The Board of Directors and Board of anggota Direksi dan anggota Dewan Komisaris serta
Commissioners fulfill their roles and peningkatan kompetensi anggota Direksi dan anggota
responsibilities independently to create Dewan Komisaris.
sustainable value for the long-term The role and responsibilities of the Board of Directors
best interests of the corporation and in conducting corporate management and the role
shareholders, taking into account the and responsibilities of the Board of Commissioners
interests of stakeholders. in supervising corporate management by the Board
of Directors. In addition, this Principle regulates
performance assessment of the Board of Directors and
Board of Commissioners and their respective members,
handling conflicts of interest that occur among
members of the Board of Directors and members of
the Board of Commissioners as well as increasing the
competence of members of the Board of Directors and
members of the Board of Commissioners.
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Tata Kelola Perusahaan
Corporate Governance
Prinsip Definisi Penjelasan
Principles Definition Description
Prinsip 2
Principle 2
Komposisi dan Anggota Direksi dan anggota Dewan Mengharuskan pemilihan dan penetapan anggota
Remunerasi Direksi Komisaris dipilih dan ditetapkan sedemikian Direksi dan anggota Dewan Komisaris dilakukan
dan Dewan Komisaris rupa sehingga komposisi Direksi sebagai sedemikian rupa sehingga Direksi dan Dewan
Composition and organ pengelolaan dan komposisi Dewan Komisaris masing-masing sebagai organ pengelolaan
Remuneration of the Komisaris sebagai organ pengawasan dan pengawasan memiliki komposisi anggota dengan
Board of Directors adalah beragam dan masing-masing pengetahuan, kemampuan, dan keahlian yang
and Board of terdiri dari para Direktur dan Komisaris dibutuhkan sesuai dengan perannya masing-masing.
Commissioners yang memiliki komitmen, pengetahuan, Di samping itu, Prinsip ini menekankan pentingnya
kemampuan, pengalaman dan keahlian kebijakan remunerasi untuk mendorong anggota
yang dibutuhkan untuk memenuhi secara Direksi dan anggota Dewan Komisaris mengutamakan
tepat peran pengelolaan Direksi dan peran kepentingan jangka panjang korporasi berdasarkan
pengawasan Dewan Komisaris. prinsip keberlanjutan, serta mengharuskan
Remunerasi dirancang untuk secara pengungkapan kebijakan dan informasi remunerasi
efektif menyelaraskan kepentingan yang diterima oleh Direksi dan Dewan Komisaris
anggota Direksi dan anggota Dewan secara transparan dan akuntabel.
Komisaris dengan kepentingan jangka Requires selection and appointment of member of
panjang korporasi dan penciptaan nilai the Board of Directors and members of the Board
yang berkelanjutan. of Commissioners fulfilled in particular way that the
Board of Directors and Board of Commissioners, as
Member of the Board of Directors and management and supervisory organs, respectively,
member of the Board of Commissioners have a composition of members with the knowledge,
are selected and appointed in particular abilities and expertise required in accordance with
way that the composition of the Board of their respective roles. In addition, this Principle
Directors as a management organ and the emphasizes the importance of remuneration policies
composition of the Board of Commissioners to encourage member of the Board of Directors and
as supervisory organ are diverse and member of the Board of Commissioners to prioritize
each consists of the Board of Directors long-term interests of the corporation based on
and the Board of Commissioners who sustainability principles, and require disclosure of
have commitment, knowledge, abilities, remuneration policies and information received by the
experience and expertise needed to Board of Directors and Board of Commissioners in a
appropriately fulfill the management role of transparent and accountable manner.
the Board of Directors and the supervisory
role of the Board of Commissioners.
Remuneration is designed to effectively
align the interests of members of the Board
of Directors and members of the Board of
Commissioners with the long-term interests
of the corporation and sustainable value
creation.
Prinsip 3
Principle 3
Hubungan Kerja Direksi dan Dewan Komisaris memiliki Menekankan pentingnya hubungan kerja yang erat,
antara Direksi dan hubungan kerja yang erat, terbuka, terbuka, konstruktif, profesional, saling percaya
Dewan Komisaris konstruktif, profesional dan saling percaya antara Direksi dan Dewan Komisaris dalam mencapai
Work Relationship untuk kepentingan terbaik korporasi. kepentingan terbaik korporasi. Prinsip 3 ini juga
between the The Board of Directors and the Board mengatur perlunya Dewan Komisaris mengakses
Board of Directors of Commissioners have close, open, informasi yang lengkap serta pentingnya anggota
and the Board of constructive, professional and mutually Direksi dan Dewan Komisaris memahami implikasi
Commissioners trusting work relationship for the best struktur kepemilikan korporasi terhadap pelaksanaan
interests of the corporation. perannya.
Emphasizes the importance of a close, open,
constructive, professional, mutually trusting work
relationship between the Board of Directors and
the Board of Commissioners in achieving the best
interests of the corporation. Principle 3 also regulates
the need for the Board of Commissioners to access
complete information and the importance of members
of the Board of Directors and Board of Commissioners
understanding the implications of the corporate
ownership structure for the implementation of their
roles.
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Prinsip Definisi Penjelasan
Principles Definition Description
Prinsip 4
Principle 4
Perilaku Etis Korporasi memiliki komitmen untuk Korporasi perlu untuk membuat pernyataan secara
Ethical Behavior bertindak secara etis dan bertanggung berkala tentang komitmen korporasi tidak hanya
jawab, menegakkan nilai-nilai dan budaya mematuhi peraturan perundang-undangan yang
organisasi. berlaku, namun juga komitmen untuk bertindak etis
Corporation is committed to acting ethically dan bertanggung jawab.
and responsibly, upholding the values and Corporation need to make regular statement about
culture of the organization. corporate commitment not only to comply with
applicable laws and regulations, but also commitment
to act ethically and responsibly.
Prinsip 5
Principle 5
Manajemen Risiko, Korporasi menjalankan praktik governansi Direksi harus mengimplementasikan governansi,
Pengendalian Intern korporat yang terintegrasi dengan sistem pengendalian internal dan manajemen risiko,
dan Kepatuhan penerapan sistem pengendalian internal dan sistem manajemen kepatuhan secara terintegrasi
Risk Management, dan manajemen risiko, serta sistem sebagai bagian dari strategi, perangkat manajemen,
Internal Control and manajemen kepatuhan yang efektif dalam dan praktik yang dijalankan korporasi dalam
Compliance rangka mendukung pencapaian sasaran, berbisnis secara bertanggung jawab (responsible
visi, misi, tujuan, maupun target kinerja business) sebagai warga korporat yang baik (good
korporat dalam menjalankan bisnis secara corporate citizen). Dewan Komisaris memantau
berintegritas. dan menyampaikan masukan terhadap efektivitas
Corporation integrates corporate penerapan governansi, sistem pengendalian internal
governance practices with the dan manajemen risiko, dan sistem manajemen
implementation of internal control and kepatuhan korporat yang dilaksanakan secara
risk management system, as well as an terintegrasi oleh Direksi.
effective compliance management system The Board of Directors shall implement governance,
in order to support the achievement of internal control and risk management system, and
corporate target, vision, mission, objectives compliance management system in an integrated
and performance targets in conducting manner as part of the strategy, management tools
business with integrity. and practices of the corporation in doing responsible
business as a good corporate citizen. The Board of
Commissioners monitors and provides input on the
effectiveness of implementing governance, internal
control and risk management system, and corporate
compliance management system which implemented
in an integrated manner by the Board of Directors.
Prinsip 6
Principle 6
Pengungkapan dan Korporasi membuat pengungkapan yang Korporasi harus memiliki kerangka governansi
Transparansi akurat dan tepat waktu mengenai semua yang mampu memberikan keyakinan yang dapat
Disclosure and hal yang material tentang korporasi. menghasilkan pengungkapan yang akurat dan tepat
Transparency Corporation makes accurate and timely waktu mengenai semua hal yang material tentang
disclosures regarding all material matters korporasi, yang meliputi kondisi dan kinerja keuangan,
on corporation. kepemilikan atas korporasi, dan governansi korporat.
Corporation shall have governance framework that
is able to provide confidence that can produce
accurate and timely disclosures regarding all material
matters regarding the corporation, which includes
financial condition and performance, ownership of the
corporation, and corporate governance.
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Tata Kelola Perusahaan
Corporate Governance
Prinsip Definisi Penjelasan
Principles Definition Description
Prinsip 7
Principle 7
Hak-hak Pemegang Korporasi melindungi dan memfasilitasi Pemenuhan hak pemegang saham dan perlakuan adil
Saham pelaksanaan hak pemegang saham dan bagi pemegang saham, bagaimana cara kerjasama
Shareholder Rights memastikan perlakukan yang adil terhadap aktif antara korporasi dengan pemegang sahamnya
pemegang saham, termasuk pemegang dilaksanakan serta pelaksanaan sebagian hak
saham minoritas. Semua pemegang saham pemegang saham secara efektif melalui RUPS.
memiliki kesempatan untuk mendapatkan Fulfillment of shareholder rights and fair treatment
ganti rugi yang efektif atas pelanggaran for shareholders, how active cooperation between
hak-hak mereka. corporation and shareholders is carried out as well as
Corporation protect and facilitate the effective implementation of some shareholder rights
exercise of shareholder rights and ensure through the GMS.
fair treatment of shareholders, including
minority shareholders. All shareholders
have opportunity to obtain effective redress
for violations of their rights.
Prinsip 8
Principle 8
Hak-hak Pemangku Korporasi mengakui hak-hak pemangku Peran Direksi dan Dewan Komisaris mengintegrasikan
Kepentingan kepentingan yang ditetapkan dalam aspek keberlanjutan dalam model bisnis korporasi,
Stakeholders Rights peraturan perundang- undangan yang melaksanakan pelibatan pemangku kepentingan, serta
berlaku atau suatu perjanjian yang memastikan perlindungan terhadap hak-hak para
disepakati oleh korporasi dan mendorong pemangku kepentingan. Dewan Komisaris memantau
kerja sama aktif dengan pemangku pengintegrasian semua aspek tersebut di atas yang
kepentingan dalam menciptakan kekayaan, dilakukan oleh Direksi.
lapangan kerja, dan keberlanjutan usaha The role of the Board of Directors and Board of
yang sehat secara finansial. Commissioners is to integrate sustainability aspects into
Corporation recognize stakeholders the corporate business model, carry out stakeholders
rights as stipulated in applicable laws and engagement, and ensure the protection of the rights
regulations or agreement of corporation of stakeholders. The Board of Commissioners monitors
and encourage active cooperation the integration of all the above aspects carried out by
with stakeholders in creating wealth, the Board of Directors.
employment opportunities and the
sustainability of financially sound business.
Dasar Penerapan Governansi Korporat Foundation of Corporate Governance
Implementation
Perseroan senantiasa berkomitmen secara penuh The Company is always fully and consistently
dan konsisten dalam menerapkan prinsip governansi committed to implementing the principles of
korporat yang berlandaskan pada sejumlah ketentuan corporate governance which are based on the
dan aturan berikut: following provisions and rules:
1. UU No. 19 Tahun 2003 tentang Badan Usaha Milik 1. Law No. 19 of 2003 concerning State-Owned
Negara. Enterprises.
2. UU No. 40 Tahun 2007 tentang Perseroan 2. Law No. 40 of 2007 concerning Limited Liability
Terbatas sebagaimana telah diubah dengan UU Companies as amended by Law No. 6 of 2023
No. 6 Tahun 2023 tentang Penetapan Peraturan concerning Stipulation of Government Regulation
Pemerintah Pengganti UU No. 2 Tahun 2022 in Lieu of Law No. 2 of 2022 concerning Job
tentang Cipta Kerja Menjadi Undang-Undang. Creation to becomes Law.
3. Peraturan Menteri BUMN No. PER-01/MBU/01/2015 3. Regulation of Minister of State-Owned Enterprises
tentang Pedoman Penanganan Benturan No. PER-01/MBU/01/2015 concerning Guidelines
Kepentingan di Lingkungan Kementerian BUMN. for Handling Conflicts of Interest within the
Ministry of BUMN.
4. Peraturan Menteri Badan Usaha Milik Negara 4. Regulation of the Minister of State-Owned
Nomor PER-2/MBU/03/2023 tentang Pedoman Enterprises No. PER-2/MBU/03/2023 concerning
Tata Kelola dan Kegiatan Korporasi Signifikan Guidelines for Governance and Significant
Badan Usaha Milik Negara Corporate Activities of State-Owned Enterprises
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5. Peraturan Menteri BUMN No. PER-3/MBU/03/2023 5. Regulation of Minister of State-Owned Enterprises
tentang Organ dan Sumber Daya Manusia Badan No. PER-3/MBU/03/2023 concerning Organs and
Usaha Milik Negara Human Resources of State-Owned Enterprises
6. POJK No. 31/POJK.05/2016 tanggal 29 Juli 2016 6. POJK No. 31/POJK.05/2016 dated July 29, 2016
tentang Usaha Pergadaian. concerning Pawn Business.
7. Anggaran Dasar Perseroan. 7. Articles of Association of the Company.
8. Pedoman Umum Governansi Korporat Indonesia 8. General Guidelines for Indonesian Corporate
(PUGKI) Tahun 2021 yang dikeluarkan oleh Komite Governance (PUGKI) for 2021 issued by the
Nasional Kebijakan Governance (KNKG). National Governance Policy Committee (KNKG).
Jejak Langkah dan Peta Jalan serta Milestones and Road Map as well as
Pencapaian atas Pengembangan Achievement in the Development of
Governansi Korporat Corporate Governance
Jejak Langkah Governansi Korporat Milestones of Pegadaian Corporate
Pegadaian Governance
Pegadaian berfokus pada pembangunan dan Pegadaian focuses on developing and implementing
penerapan prinsip dan praktik governansi korporat corporate governance principles and practices which
sejalan dengan pembenahan industri dan dunia usaha in accordance with improvement of industry and
oleh Pemerintah Indonesia selaku regulator. Sejak businesses by Indonesian Government as a regulator.
tahun 2008, Pegadaian telah melakukan penilaian Since 2008, Pegadaian has carried out assessment
atas penerapan governansi korporat yang dilakukan of the corporate governance implementation
oleh pihak independen, serta senantiasa melakukan by independent parties, and continues to make
perbaikan sejalan dengan komitmen Pegadaian dalam improvement in line with Pegadaian’s commitment to
penerapan prinsip dan praktik governansi korporat. implementing corporate governance principles and
Adapun jejak langkah Pegadaian dalam penilaian practices. Pegadaian’s steps in assessing corporate
governansi korporat adalah sebagai berikut: governance are as follows:
Asesmen GCG oleh pihak independen, mendapatkan skor 83,27
2008
GCG assessment by independent party with a score of 83.27
Asesmen GCG oleh pihak independen, mendapatkan skor 87,41
2011
GCG assessment by independent party with a score of 87.41
• Asesmen GCG BPKP, mendapatkan skor 78,78
• Pembuatan Pedoman GCG, CoC dan Board Manual
2012
• GCG assessment from BPKP, with a score of 78.78
• Development of GCG Guidelines, CoC and Board Manual
Asesmen GCG oleh pihak independen, mendapatkan skor 89,22
2014
GCG assessment by independent party, with a score of 89.22
Asesmen GCG oleh pihak independen, mendapatkan skor 91,63
2015
GCG assessment by independent party, with a score of 91.63
• Asesmen GCG oleh pihak independen, mendapatkan skor 96,19
• Survei Pemahaman terhadap GCG Code, CoC, dan PPG, oleh pihak independen
• Pengkinian Pedoman GCG, CoC dan Board Manual, dibantu oleh pihak independen
2017
• GCG assessment by independent party, with a score of 96.19
• Survey for the Understanding of GCG Code, CoC and PPG, by independent party
• Updating GCG Guidelines, CoC and Board Manual, assisted by independent party
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Tata Kelola Perusahaan
Corporate Governance
• Asesmen GCG oleh pihak independen, mendapatkan skor 98,21
• Sampling penerapan GCG di 6 Kanwil oleh pihak independen
• Pembentukan Komite Kredit, Komite Aset dan Liabilitas (ALCO), Komite Produk, Komite Investasi dan
Kapital, dan Komite Human Capital, yang seluruhnya berada di bawah Direksi
• Survei Pemahaman terhadap GCG Code, CoC, PPG dan WBS oleh Tim Survei Pegadaian
• Pengesahan Kebijakan Business Continuity Management System (BCMS)
• Pengesahan tentang Budaya Kerja
2018
• GCG assessment by independent party, with a score of 98.21
• Sampling of GCG implementation in 6 Regional Offices by independent party
• Establishment of Credit Committee, Asset and Liability Committee (ALCO), Product Committee, Investment
and Capital Committee, and Human Capital Committee, all under the Board of Directors
• Survey for Understanding of GCG Code, CoC, PPG and WBS by Pegadaian Survey Team
• Approval of Business Continuity Management System (BCMS) Policy
• Ratification of Work Culture
• Asesmen GCG oleh pihak independen, mendapatkan skor 98,45
• Pembentukan Komite Nominasi & Remunerasi yang disatukan dengan Komite Manajemen Risiko di bawah
Dewan Komisaris
• Pengukuran Tingkat Pemahaman terhadap GCG Code, CoC, PPG dan WBS oleh Divisi Compliance
• Pembentukan Komite Teknologi Informasi di bawah Direksi
• Pengkinian GCG Code dan Code of Conduct
• Pengesahan Roadmap GCG 2019-2023
• Pengesahan Roadmap Manajemen Risiko
• Pengesahan Tata Kelola Kebijakan Perseroan
• Pengesahan Kebijakan Manajemen Risiko Perseroan
• Pedoman Penilaian Profil Risiko
• Pedoman Pengendalian Gratifikasi
2019
• GCG assessment by independent party, with a score of 98.45
• Establishment of Nomination & Remuneration Committee integrated with the Risk Management Committee
under the Board of Commissioners
• Measurement of the Understanding Level of the GCG Code, CoC, PPG and WBS by the Compliance Division
• Establishment of Information Technology Committee under the Board of Directors
• Updated GCG Code and Code of Conduct
• Ratification of the 2019-2023 GCG Roadmap
• Ratification of the Risk Management Roadmap
• Ratification of Corporate Governance Policies
• Ratification of the Company’s Risk Management Policy
• Risk Profile Assessment Guidelines
• Gratification Control Guidelines
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• Asesmen GCG oleh pihak independen, mendapatkan skor 98,60
• Pemisahan Komite Manajemen Risiko, Nominasi & Remunerasi menjadi Komite Pemantau Risiko dan Komite
Nominasi dan Remunerasi
• Sertifikasi Sistem Manajemen Anti Penyuapan ISO 37001:2016 pada 2 Unit Kerja yaitu Divisi Pengadaan &
Logistik dan Kantor Cabang Syariah Kramat Raya
• Pengesahan Pedoman Penerapan Program APU & PPT
• Pengesahan Pedoman Program Anti Fraud
• Pengesahan Pedoman Penerapan Kepatuhan
• Pedoman Interaksi Hubungan Induk Perusahaan & Anak Perusahaan
• Pengesahan Pedoman Sistem Manajemen Anti Penyuapan
• Pengesahan Pedoman Penanganan Benturan Kepentingan
• Pengesahan Kebijakan Umum Manajemen Risiko dan Kepatuhan
• Pengesahan Kebijakan Umum Teknologi Informasi
• Pengesahan Kebijakan Umum Pengadaan dan Manajemen Aset Tetap
• Pengesahan Kebijakan Umum Pengendalian Internal
• Pengesahan Kebijakan Perkreditan Pegadaian
• Pengesahan Pedoman Sistem Manajemen Anti Penyuapan
• Pengesahan Pedoman Program Anti Fraud
• Pengesahan Pedoman Penanganan Benturan Kepentingan
• Pengesahan Pedoman Penerapan APU PPT
• Pengesahan Pedoman Penerapan Kepatuhan
• Pengesahan Pedoman Restrukturisasi Kredit
• Pengesahan Pedoman Key Risk Indicator (KRI)
• Pengesahan Pedoman Loss Event Management (LEM)
• Pengukuran Tingkat Pemahaman APU & PPT
• Pengukuran Tingkat Pemahaman Kepatuhan
• Pengukuran Tingkat Pemahaman terhadap GCG Code, CoC, PPG, dan WBS
• Sosialisasi Pedoman Penanganan Benturan Kepentingan
2020
• GCG assessment by independent party, with a score of 98.60
• Separation of the Risk Management, Nomination & Remuneration Committee into a Risk Monitoring
Committee and Nomination and Remuneration Committee
• ISO 37001:2016 Anti-Bribery Management System Certification in 2 Work Units, the Procurement & Logistics
Division and the Kramat Raya Syariah Branch Office
• Ratification of the APU & CFT Program Implementation Guidelines
• Ratification of Anti Fraud Program Guidelines
• Ratification of Compliance Implementation Guidelines
• Interaction Guidelines for the Relationship of the Parent Company & Subsidiary
• Ratification of Anti-Bribery Management System Guidelines
• Ratification of Guidelines for Handling Conflicts of Interest
• Ratification of General Risk Management and Compliance Policies
• Ratification of the General Information Technology Policy
• Ratification of the General Policy for Procurement and Management of Fixed Assets
• Ratification of General Internal Control Policy
• Ratification of Pegadaian Credit Policy
• Ratification of Anti-Bribery Management System Guidelines
• Ratification of Anti Fraud Program Guidelines
• Ratification of Guidelines for Handling Conflicts of Interest
• Ratification of APU PPT Implementation Guidelines
• Ratification of Compliance Implementation Guidelines
• Ratification of Credit Restructuring Guidelines
• Ratification of Key Risk Indicator (KRI) Guidelines
• Ratification of Loss Event Management (LEM) Guidelines
• Measurement of APU & PPT Understanding Level
• Measurement of the Level of Understanding of Compliance
• Measurement of the level of understanding of the GCG Code, CoC, PPG and WBS
• Socialization of Guidelines for Handling Conflicts of Interest
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Tata Kelola Perusahaan
Corporate Governance
• Asesmen GCG dengan metode self-assessment, mendapatkan skor 98,88
• Mengikuti Program Corporate Governance Perception Index (CGPI), mendapatkan skor 87,71 dengan
kategori “Most Trusted Companies”
• Mengikuti kegiatan Unit Pengendalian Gratifikasi (UPG) Award
• Pengesahan Kebijakan Perusahaan Anak Pengesahan Kebijakan Umum Teknologi Informasi dan Manajemen
Inovasi
• Pengesahan Pengkinian Peraturan Direksi tentang Komite Human Capital
• Pengesahan Pedoman Governance Risk Compliance (GRC)
• Pengesahan Pedoman Sistem Manajemen Mutu
• Pengesahan Pedoman Strategi Manajemen Risiko
• Pengesahan Pedoman Profil Risiko Kantor Wilayah
• Pengesahan Pedoman Risk Register
• Pengesahan Pedoman Kajian Risiko Produk dan/atau Aktivitas Baru
• Pengesahan Pedoman Manajemen Risiko Teknologi Informasi (MRTI)
• Pengesahan Pedoman Data Governance
• Pengesahan Pedoman Manajemen Layanan Teknologi Informasi
• Pengesahan Pedoman Restrukturisasi Kredit
• Pengesahan Pedoman Rapat Direksi
• Pengesahan Pedoman Perpajakan
• Pengesahan Pedoman Transaksi Keuangan Melalui Layanan Cash Management System (CMS)
• Pengesahan Pengkinian Pedoman Business Continuity Management System (BCMS)
• Pengesahan Pengkinian Pedoman Pengadaan Barang dan Jasa
• Pengesahan Pengkinian Pedoman Batas Kewenangan Pengadaan Barang dan Jas
• Pengesahan Pengkinian Pedoman Sistem Manajemen Keamanan Informasi (SMKI)
• Sertifikasi ISO 37001:2016 Sistem Manajemen Anti Penyuapan pada 3 Unit Kerja yaitu Direktorat Sumber
Daya Manusia, Kantor Wilayah IX, Kantor Cabang Syariah Kramat Raya
• Penerapan SMAP pada pada Kantor Cabang Seluruh Indonesia
• Pengukuran Tingkat Pemahaman Pedoman Pengendalian Gratifikasi
• Pengukuran Tingkat pemahaman Pedoman Penanganan Benturan Kepentingan
• Pengukuran Tingkat Kepatuhan Karyawan di Kantor Wilayah, Kantor Area, dan Kantor Cabang
• Program Diseminasi Media Sosialisasi Pesan Anti Gratifikasi
• Program Webinar Antikorupsi
• Program Webinar Sistem Manajemen Anti Penyuapan
2021
• GCG assessment using the self-assessment method, with a score of 98.88
• Participated in the Corporate Governance Perception Index (CGPI) Program, with a score of 87.71 in the
“Most Trusted Companies” category
• Participation in the Gratification Control Unit (UPG) Award
• Ratification of Subsidiary Company Policies Ratification of General Information Technology and Innovation
Management Policies
• Ratification for Regulation Update of the Board of Directors on Human Capital Committee
• Ratification of Governance Risk Compliance (GRC) Guidelines
• Ratification of Quality Management System Guidelines
• Ratification of Risk Management Strategy Guidelines
• Ratification of Regional Office Risk Profile Guidelines
• Ratification of Risk Register Guidelines
• Approval of the Risk Assessment Guidelines for New Products and/or Activities
• Ratification of Information Technology Risk Management Guidelines (MRTI)
• Ratification of Data Governance Guidelines
• Ratification of Information Technology Service Management Guidelines
• Ratification of Credit Restructuring Guidelines
• Ratification for the Guidelines of the Meeting of the Board of Directors
• Ratification of Tax Guidelines
• Ratification of Financial Transaction Guidelines Through Cash Management System (CMS) Services
• Ratification of Business Continuity Management System (BCMS) Guidelines Update
• Ratification of the Updated Guidelines for Procurement of Goods and Services
• Ratification of Updated Guidelines for Authority Limits for Procurement of Goods and Suits
• Ratification of Updated Information Security Management System (ISMS) Guidelines
• ISO 37001:2016 Certification Anti-Bribery Management System in 3 Work Units, namely Human Resources
Directorate, Regional Office IX, Kramat Raya Sharia Branch Office
• Implementation of SMAP at Branch Offices throughout Indonesia
• Measuring the Level of Understanding of Gratification Control Guidelines
• Measuring the level of understanding of the Guidelines for Handling Conflicts of Interest
• Measurement of Employee Compliance Levels in Regional Offices, Area Offices and Branch Offices
• Media Socialization Program for Socialization of Anti-Gratification Messages
• Anti-Corruption Webinar Program
• Anti-Bribery Management System Webinar Program
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• Asesmen GCG oleh pihak independen, mendapatkan skor 98,88
• Mengikuti Program Corporate Governance Perception Index (CGPI), mendapatkan skor 87,81 dengan kategori
“Most Trusted Companies”
• Sertifikasi ISO 22301:2019 Business Continuity Management System pada 2 Unit Kerja, yaitu Kantor Wilayah
VIII Jakarta 1 dan Kantor Wilayah IX Jakarta 2 Mengikuti kegiatan Unit Pengendalian Gratifikasi (UPG) Award
• Pengesahan Pengkinian Pedoman Pengawasan Melekat (Waskat) Online
• Pengesahan Pedoman Pemberian Penghargaan Masa Kerja
• Pengesahan Pedoman Sinergi Jaringan Kantor (Co-location)
• Pengesahan Pedoman Tata Cara Pendaftaran, Pengumuman, Pemeriksaan, dan Pengelolaan Laporan Harta
Kekayaan Penyelenggara Negara (LHKPN)
• Pengesahan Pedoman Standar Pelayanan Outlet
• Pengesahan Pedoman Strategi Manajemen Risiko
• Pengesahan Pedoman Pemberian Santunan Meninggal Dunia
• Pengesahan Pedoman Layanan Agen Pegadaian Komunitas
• Pengesahan Implementasi Layanan Penerimaan Uang melalui Interface Mesin Electronic Data Capture (EDC)
Himbara Terpusat dengan Pegadaian Application Support System Integrated Online (PASSION)
• Pengesahan Pengkinian Pedoman Struktur Organisasi dan Tata Kerja Kantor Cabang
• Pengesahan Pedoman Asset dan Liability Management (ALMA)
• Pengesahan Pengkinian Pedoman Struktur Organisasi dan Tata Kerja Divisi Perencanaan Strategis
• Pengesahan Pedoman Risk Control Self Assessment (RCSA)
• Pengesahan Piagam Satuan Pengawasan Intern
• Pengesahan Pedoman Pegadaian Excellence Award
• Pengesahan Pedoman Struktur Organisasi Perusahaan
• Pengesahan Pengkinian Pedoman Standar Etika Bisnis dan Perilaku (Code of Conduct)
• Pengesahan Pegadaian Innovation Award (PIA)
• Pengesahan Pedoman Aktivitas Tim Internalisasi Budaya
• Pengesahan Pedoman Operasional bagi Pendamping Agen Pegadaian
• Pengesahan Pedoman Penerapan Kepatuhan
• Pengesahan Pedoman Komite Tanggung Jawab Sosial dan Lingkungan (TJSL)
• Pengesahan Pedoman Komite Investasi & Belanja Modal
• Pengesahan Pedoman Umum Hubungan Induk Anak Perusahaan
• Pengesahan Piagam Tata Tertib Kerja Direksi (BOD Charter)
• Pengukuran Tingkat Pemahaman Pedoman Pengendalian Gratifikasi
• Pengukuran Tingkat pemahaman Pedoman Penanganan Benturan Kepentingan
• Pengukuran Tingkat Pemahaman GCG Code
• Pengukuran Tingkat Pemahaman Standar Etika Perilaku dan Etika Bisnis (Code of Conduct)
• Pengukuran Tingkat Pemahaman Governance, Risk, Compliance pada Kantor Pusat
• Program Diseminasi Media Sosialisasi Pesan Anti Gratifikasi
• Program Webinar Antikorupsi
• Program Webinar Penguatan Sistem Manajemen Anti Penyuapan
• Program Webinar Sosialisasi Implementasi Penguatan Integritas
• Program Webinar Pedoman Umum Governansi Korporat Indonesia (PUG-KI)
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Tata Kelola Perusahaan
Corporate Governance
• GCG assessment by independent party, with a score of 98.88
• Participated in the Corporate Governance Perception Index (CGPI) Program, with a score of 87.81 in the
“Most Trusted Companies” category
• ISO 22301:2019 Business Continuity Management System certification in 2 Work Units, Regional Office VIII
Jakarta 1 and Regional Office IX Jakarta 2 with Participation in Unit Gratification Control (UPG) Award
• Ratification of the Updated Online Attached Supervision Guidelines (Waskat).
• Ratification of Guidelines for Providing Long Service Awards
• Ratification of Office Network Synergy Guidelines (Co-location)
• Ratification of Guidelines for Procedures for Registration, Announcement, Examination and Management of
State Officials’ Wealth Report (LHKPN)
• Ratification of Outlet Service Standard Guidelines
• Ratification of Risk Management Strategy Guidelines
• Ratification of Guidelines for Providing Death Compensation
• Ratification of Community Pawn Agent Service Guidelines
• Validation of the Implementation of Money Receipt Services via the Centralized Himbara Electronic Data
Capture (EDC) Machine Interface with Pegadaian Application Support System Integrated Online (PASSION)
• Ratification of Updated Guidelines for Organizational Structure and Branch Office Work Procedures
• Ratification of Asset and Liability Management Guidelines (ALMA)
• Ratification of the Updated Guidelines for the Organizational Structure and Work Procedures of the
Strategic Planning Division
• Ratification of Risk Control Self Assessment (RCSA) Guidelines
• Ratification of the Internal Audit Unit Charter
2022
• Ratification of the Pegadaian Excellence Award Guidelines
• Ratification of Company Organizational Structure Guidelines
• Ratification of Updated Business Ethics and Behavior Standards Guidelines (Code of Conduct)
• Ratification of the Pegadaian Innovation Award (PIA)
• Ratification of the Cultural Internalization Team Activity Guidelines
• Ratification of Operational Guidelines for Pegadaian Agent Assistants
• Ratification of Compliance Implementation Guidelines
• Ratification of the Social and Environmental Responsibility Committee (TJSL) Guidelines
• Ratification of Investment & Capital Expenditure Committee Guidelines
• Ratification of General Guidelines for Parent Subsidiary Relations
• Ratification of the BOD Charter
• Measurement of Understanding Level of Gratification Control Guidelines
• Measurement of Understanding Level of the Guidelines for Handling Conflicts of Interest
• Measurement of Understanding Level of the GCG Code
• Measurement of Understanding Level of Standards of Ethical Behavior and Business Ethics (Code of
Conduct)
• Measurement of Understanding Level of Governance, Risk, Compliance at the Head Office
• Media Socialization Program for Socialization of Anti-Gratification Messages
• Anti-Corruption Webinar Program
• Webinar Program on Strengthening Anti-Bribery Management System
• Webinar Program for Socialization of Implementation of Strengthening Integrity
• Webinar Program on General Guidelines for Indonesian Corporate Governance (PUG-KI)
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• Sertifikasi ISO 37001:2016 Sistem Manajemen Anti Penyuapan untuk 8 (delapan) Kantor Wilayah, yaitu
Kantor Wilayah II Pekanbaru, Kantor Wilayah III Palembang, Kantor Wilayah IV Balikpapan, Kantor Wilayah
V Manado, Kantor Wilayah VI Makassar, Kantor Wilayah VII Denpasar, Kantor Wilayah X Bandung, Kantor
Wilayah XII Surabaya
• Program Diseminasi Media Sosialisasi Pesan Anti Gratifikasi
• Program Sosialisasi Peraturan Menteri BUMN No. PER-2/MBU/03/2023 tentang Pedoman Tata Kelola dan
Kegiatan Korporasi Signifikan BUMN dan Peraturan Menteri BUMN No. PER-3/MBU/03/2023 tentang Organ
dan SDM BUMN
• Program Webinar Antikorupsi
• Program Webinar Penguatan Sistem Manajemen Anti Penyuapan
• Program Webinar sosialisasi Implementasi Penguatan Integritas
• Pengesahan Kebijakan Umum Tata Kelola dan Kepatuhan
• Pengesahan Pengkinian Pedoman Struktur Organisasi Perusahaan
• Pengesahan Pengkinian Pedoman Sistem Manajemen Anti Penyuapan
• Pengesahan Pedoman Komite Investasi dan Belanja Modal
• Pengesahan Pengkinian Pedoman Business Continuity Management System (BCMS)
• Pengesahan Pedoman Perlindungan Data Pribadi
• Pengesahan Pedoman Komite Teknologi Informasi
• Pengesahan Pengkinian Pedoman Pengadaan Barang dan Jasa
• Pengesahan Pengkinian Pedoman Komunikasi Perusahaan
• Pengesahan Pedoman Pengawasan Perilaku Pasar (Market Conduct)
• Pengesahan Pengkinian Pedoman Penerapan Program Anti Pencucian Uang, Pencegahan Pendanaan
Terorisme, dan Pencegahan Pendanaan Proliferasi Senjata Pemusnah Massal (APU, PPT, dan PPPSPM)
• Pengesahan Pengkinian Kebijakan Manajemen Risiko
• Pengesahan Pedoman Penerbitan Aset
• Pengesahan Pengkinian Pedoman Pelaksanaan Pengawasan Melekat (Waskat)
• Pengukuran Tingkat Pemahaman Pedoman Pengendalian Gratifikasi
• Pengukuran Tingkat pemahaman Pedoman Penanganan Benturan Kepentingan
• Pengukuran Tingkat Pemahaman GCG Code
• Pengukuran Tingkat Pemahaman Standar Etika Perilaku dan Etika Bisnis (Code of Conduct)
• Pengukuran Tingkat Pemahaman Governance, Risk, Compliance pada Kantor Pusat
2023 • ISO 37001:2016 Certification on Anti-Bribery Management System for 8 (eight) Regional Offices, Regional
Office II Pekanbaru, Regional Office III Palembang, Regional Office IV Balikpapan, Regional Office V Manado,
Regional Office VI Makassar, Regional Office VII Denpasar, Regional Office X Bandung, Regional Office XII
Surabaya
• Media Dissemination Program for Socialization of Anti-Gratification Messages
• Socialization Program for Regulation of Ministry of BUMN No. PER-2/MBU/03/2023 concerning Guidelines
for Governance and Significant Corporate Activities of BUMN and Regulation of Minister of BUMN No. PER-
3/MBU/03/2023 concerning BUMN Organs and Human Resources
• Anti-Corruption Webinar Program
• Webinar Program on Strengthening Anti-Bribery Management System
• Webinar Program to socialize the Implementation of Strengthening Integrity
• Ratification of General Governance and Compliance Policies
• Ratification of Updated Company Organizational Structure Guidelines
• Ratification of Updated Anti-Bribery Management System Guidelines
• Ratification of Investment and Capital Expenditure Committee Guidelines
• Ratification of Updated Business Continuity Management System (BCMS) Guidelines
• Ratification of Personal Data Protection Guidelines
• Ratification of the Information Technology Committee Guidelines
• Ratification of the Updated Procurement of Goods and Services Guidelines
• Ratification of Updated Company Communication Guidelines
• Ratification of Market Behavior Supervision Guidelines (Market Conduct)
• Ratification of Updated Guidelines for Implementing Anti-Money Laundering, Prevention of Terrorism
Financing and Prevention of Funding for the Proliferation of Weapons of Mass Destruction (APU, PPT and
PPPSPM) Programs
• Ratification of Updated Risk Management Policy
• Ratification of Asset Issuance Guidelines
• Ratification of Updated Guidelines for Implementing Attached Supervision (Waskat)
• Measurement of Understanding Level of the Gratification Control Guidelines
• Measurement of Understanding Level of the Guidelines for Handling Conflicts of Interest
• Measurement of Understanding Level of the GCG Code
• Measurement of Understanding Level of Standards of Ethical Behavior and Business Ethics (Code of
Conduct)
• Measurement of Understanding Level of Governance, Risk, Compliance at Head Office
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Tata Kelola Perusahaan
Corporate Governance
Peta Jalan: Rencana Pengembangan Road Map: Corporate Governance
Governansi Korporat Development Plan
Roadmap governansi korporat tahun 2019-2023 The 2019-2023 corporate governance roadmap has
bertema “Trusted Corporate Towards Corporate the theme “Trusted Corporate Towards Corporate
Sustainability and Corporate Citizenship”. Hal ini Sustainability and Corporate Citizenship”. This means
bermakna Perseroan harus memastikan tingkat that the Company must ensure that the level of
kepercayaan stakeholders selalu berada pada level stakeholders trust is always at the highest level with
tertinggi dengan berbagai upaya yang dilakukan various efforts made in accordance with developing
sesuai dengan dinamika bisnis yang berkembang. business dynamics. By becoming a trusted company,
Dengan menjadi Perseroan yang terpercaya maka the Company’s business continuity can be carried
keberlanjutan usaha Perseroan dapat berlangsung out well. At the level of trust that is continuously
dengan baik. Pada tingkat kepercayaan yang terus maintained, the Company as a corporate citizen who
terjaga, maka Perseroan sebagai warga korporasi yang is responsible for the social environment and ethical
bertanggung jawab terhadap lingkungan sosial dan business practices could be realized well.
praktik bisnis yang beretika dapat terwujud dengan
baik.
1. Fase Roadmap Governansi Korporat 1. Corporate Governance Roadmap Phase
Gambaran tema dan fase pelaksanaan Roadmap An overview of the theme and implementation
Governansi Perusahaan dapat dilihat pada gambar phases of the Company Governance Roadmap can
di bawah ini: be seen in the image below:
Roadmap GCG Pegadaian 2019-2023
GCG Roadmap of Pegadaian in 2019-2023
Stages 2019-2020 2021-2022 2023
Corporate
Trusted Corporate Corporate Corporate Citizenship
Vision
Goals
Pengakuan sebagai
Sustainability
Menjadi warga industri
Perseroan terpercaya (The keuangan masyarakat sosial
Budaya Tata Kelola menjadi Menjadi The Most
Most Trusted Company) yang bertanggung jawab dan
penggerak utama Kinerja Valuable Financial
Recognition as a trusted beretika
Perseroan Company di
company (The Most To become socially
Governance Culture is the Indonesia dan
Trusted Company) responsible and ethical citizen
main driver of the Company’s sebagai Agen Inklusi
Performance of the financial industry
Keuangan Pilihan
Utama Masyarakat.
To become The Most
1. Transparansi dan 1. Sustainability 1. Social Impact SDG’s
Valuable Financial
Main Indicator Akuntabilitas Performance 2. Industry Leader (KPKU)
Company in
2. Stakeholders Engagement 2. Governance Culture 3. SDG’s Award
Indonesia and as the
3. GCG Award 3. Sustainability Award
Community’s First
1. Social Impact SDG’s
Choice Financial
1. Transparency and 1. Sustainability 2. Industry Leader (KPKU)
Inclusion Agent
Accountability Performance 3. SDG’s Award
2. Stakeholders Engagement 2. Governance Culture
3. GCG Award 3. Sustainability Award
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Perseroan telah mencapai fase Trusted Corporate The Company has reached the Trusted Corporate
pada tahun 2019-2020 dengan mendapat phase in 2019-2020 by receiving recognition as
pengakuan sebagai Perseroan terpercaya (most the most trusted company. The main indicators
trusted company). Indikator utama dalam in this phase are increasing transparency and
fase ini adalah meningkatnya transparansi dan accountability for the Company’s business
akuntabilitas atas proses dan capaian bisnis processes and achievements; more intense
Perseroan; pelibatan stakeholders secara lebih stakeholders involvement, as well as recognition
intens, serta pengakuan dari pihak ketiga atas from third parties for the implementation of
implementasi Governansi Perusahaan di lingkup Corporate Governance within Pegadaian.
Pegadaian.
Fase Corporate Sustainability terus berlanjut di The Corporate Sustainability phase continued
tahun 2022 dengan sasaran Perseroan memiliki in 2022 with the Company’s target of having
budaya tata kelola yang menjadi penggerak utama governance culture that is the main driver of the
kinerja Perseroan. Indikator utama dalam fase Company’s performance. The main indicators
ini adalah terjadinya peningkatan keberlanjutan in this phase are an increase in the Company’s
Perseroan yang meliputi aspek profit, people, sustainability which includes the aspects of
and planet (3P); tumbuhnya budaya Governansi profit, people and planet (3P); growing corporate
Perusahaan; dan pengakuan atas keberlanjutan governance culture; and recognition of the
kinerja Perseroan. Company’s sustainable performance.
Pada fase akhir, yaitu fase Corporate Citizenship, The final phase, the Corporate Citizenship phase,
bertujuan menjadikan Perseroan sebagai warga aims to make the Company a responsible and
industri keuangan yang bertanggung jawab dan ethical citizen of the financial industry. The main
beretika. Indikator utama tercapainya tujuan indicator of achieving the goals in this phase is the
pada fase ini adalah terdapatnya social impact existence of social impact on the implementation
atas pelaksanaan program SDG’s; tercapainya of the SDG’s program; achieving the Industry
kategori Industry Leader pada penilaian KPKU; Leader category in the KPKU assessment; and
dan diperolehnya pengakuan atas pelaksanaan obtaining recognition for the implementation of
program SDG’s. the SDG’s program.
2. Inisiatif Strategis dan Program Kerja 2. Strategic Initiative and Work Program
Perseroan mendukung pencapaian tujuan dari The Company supports the achievement of the
setiap indikator utama melalui berbagai Inisiatif objectives of each main indicator through various
Strategis yang mempertimbangkan target yang Strategic Initiatives that take into account the
ingin dicapai dan kondisi internal yang ada. targets to be achieved and existing internal
Inisiatif Strategis yang disusun berdasarkan conditions. The Strategic Initiatives prepared
fase pencapaian Roadmap Governansi Korporat based on the achievement phases of the Pegadaian
Pegadaian tergambar dalam bagan berikut: Corporate Governance Roadmap are depicted in
the following chart:
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Tata Kelola Perusahaan
Corporate Governance
Inisiatif Strategis Roadmap GCG Pegadaian 2019-2023
GCG Roadmap Strategic Initiatives of Pegadaian in 2019-2023
Trusted Corporate Corporate Corporate Citizenship
Sustainability
2019 2020 2021 2022 2023
1. Penguatan 1. Memperkuat 1. Menumbuhkan 1. Peningkatan 1. Penilaian
Infrastruktur GCG Infrastruktur Tata Kelola Standar Corporate
Perusahaan Tata Kelola Perusahaan yang Asesmen GCG Citizenship
2. Peningkatan Berkelanjutan Baik menjadi 2. Membangun 2. Penguatan Public
Kapabilitas 2. Penguatan IT Budaya Sustainability Recognition
Karyawan di Governance untuk 2. Penguatan Development for Sustainable
bidang GCG mendukung bisnis Penerapan Goals (SDGs) Business
Perusahaan Konsep Triple 3. Penerapan
3. Membangun Bottom Line (3P) Keuangan
Infrastruktur GCG 3. Pemenuhan Berkelanjutan
di Perusahaan parameter (Sustainable
Anak Asesmen Finance)
4. Penguatan GCG dengan 4. Pemenuhan
Transparansi menggunakan Parameter
Informasi ACGS Asesmen
Perusahaan 4. Integrasi Corporate
5. Penguatan Governance, Risk Citizenship
Engagement Management &
GCG kepada Compliance (GRC)
Stakeholders 5. Peningkatan Skor
6. Membangun Penilaian KPKU
Sistem menjadi “Industry
Manajemen Risiko Leader”
di Perusahaan 6. Membangun
Anak Keuangan
7. Meningkatkan Berkelanjutan
Pemahaman (Sustainable
tentang GCG Finance)
Perkembangan Governansi Korporat di Development of Corporate Governance in
Tahun 2023 2023
Penerapan governansi korporat di lingkungan The implementation of corporate governance within
Perseroan terus mengalami perkembangan setiap the Company continues to develop every year. The
tahunnya. Adapun perkembangan governansi korporat development of corporate governance within the
di lingkungan Perseroan pada tahun 2023 adalah Company in 2023 is as follows:
sebagai berikut:
1. Peningkatan Skor Maturitas Tata Kelola Tahun 1. Increase in Governance Maturity Score in 2022 with
2022 dengan Skor 4,03 (dari skala 5) dari skor a score of 4.03 (on a scale of 5) from the previous
Tahun sebelumnya 3,73. year’s score of 3.73.
2. Peningkatan Skor Maturitas Kepatuhan Tahun 2. Increase in Compliance Maturity Score in 2022 with
2022 dengan Skor 3,96 (dari skala 5) dari skor a score of 3.96 (on a scale of 5) from the previous
Tahun sebelumnya 3,62. year’s score of 3.62.
3. Peningkatan Skor Maturitas IT (Cobit 5) Tahun 3. Increase in IT Maturity Score (Cobit 5) in 2022 with
2022 dengan Skor 4,46 (dari skala 5) dari skor a score of 4.46 (on a scale of 5) from the previous
Tahun sebelumnya 3,27. year’s score of 3.27.
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4. Peningkatan Skor Maturitas Audit Tahun 2022 4. Increase in Audit Maturity Score in 2022 with a
dengan Skor 3,2 (dari skala 5) dari Skor Tahun score of 3.2 (on a scale of 5) from the previous
sebelumnya 3,00. year’s score of 3.00.
5. Peningkatan Skor Assessment INDI Tahun 2022 5. Increase in INDI Assessment Score in 2022 with a
dengan Skor 3,72 dari skor Tahun sebelumnya 3,41. score of 3.72 from the previous year’s score of 3.41.
6. Peningkatan Skor Employee Engagement Tahun 6. Increase in Employee Engagement Score in 2023
2023 dengan Skor 4,49 dari skor Tahun sebelumnya with a score of 4.49 from the previous year’s score
4,29. of 4.29.
Penghargaan atas Pengembangan Appreciation for the Development of
Governansi Korporat Corporate Governance
Selama tahun 2023, Perseroan senantiasa During 2023, the Company continued to maintain ISO
mempertahankan sertifikasi ISO pada beberapa certification for several company business processes,
proses bisnis perusahaan, di antaranya: including:
1. Sertifikasi Sistem Manajemen Anti Penyuapan 1. ISO 37001:2016 of Anti-Bribery Management
(SMAP) ISO 37001:2016 System (SMAP) Certification
2. Sertifikasi Sistem Manajemen Keamanan Informasi 2. ISO 27001:2013 of Information Security
ISO 27001:2013 Management System Certification
3. Sertifikasi Sistem Business Continuity Management 3. ISO 22301:2019 of Business Continuity Management
System ISO 22301:2019 System Certification
4. Sertifikasi IT Service Management ISO 20000 4. ISO 20000 of IT Service Management Certification
5. Sertifikasi Sistem Manajemen Mutu Layanan ISO 5. ISO 9001:2015 of Service Quality Management
9001:2015 System Certification
Struktur dan Mekanisme Governansi Corporate Governance Structure and
Korporat Mechanism
Struktur Governansi Korporat dan Corporate Governance Structure and its
Kesesuaiannya terhadap Peraturan dan Compliance with Applicable Laws and
Perundang-Undangan yang Berlaku Regulations
Penerapan governansi korporat mengacu pada The implementation of Corporate Governance in
peraturan perundang-undangan yang berlaku dan Pegadaian refers to the prevailing laws and regulations
best practices yang berlaku di industri keuangan. and best practices in the industry, especially the
Dengan demikian, Perseroan telah menyusun kerangka financial industry. Therefore, the Company has
penerapan governansi korporat yang terbagi menjadi developed a GCG implementation framework which
3 (tiga) bagian, yaitu: can generally be divided into 3 (three) parts, namely:
1. Governance Structure 1. Governance Structure
Struktur tata kelola yang terdiri dari organ utama The governance structure consisting of main
dan organ pendukung organs and supporting organs.
2. Governance Process 2. Governance Process
Proses dan mekanisme kerja dari organ tata The processes and work mechanisms of the
kelola. governance organs.
3. Governance Outcome 3. Governance Outcome
Hasil dari penerapan tata kelola dengan tujuan The result of implementing governance with the
akhir mencapai “corporate citizenship” ultimate goal of achieving “corporate citizenship”.
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Tata Kelola Perusahaan
Corporate Governance
Kerangka Penerapan GCG Pegadaian
Implementation Framework of GCG in Pegadaian
GOVERNANCE OUTCOME:
CORPORATE CITIZENSHIP
GOVERNANCE GOVERNANCE
STRUCTURE PROCESS
RUPS Hubungan dengan Pemangku
GMS Kepentingan, Pelaporan & Keterbukaan
Relationship with Stakeholders,
Reporting and Disclosure
Dewan Komisaris & Organ
Board of Commissioners & Organs Manajemen Risiko dan Pengendalian
Internal
Risk Management and Internal Control
Manual GCG
GCG Manual
Manajemen Kinerja
Performance Management
Kebijakan dan Keputusan
Policies and Decisions
GOVERNANCE COMMITMENT
Visi, Misi, Nilai RJPP, RKAP Kode Etik, Pakta Integritas
Vision, Mission, Values RJPP, RKAP Code of Ethics, Integrity Pact
Principles: Transparency, Accountability, Responsibility,
Independency, Fairness (TARIF)
Berdasarkan Undang-Undang No. 40 Tahun According to Law No. 40 of 2007 concerning Limited
2007 tentang Perseroan Terbatas, infrastruktur Liability Companies, the organizational infrastructure
keorganisasian sebuah Perseroan Terbatas mencakup of a Limited Liability Company includes the interests
kepentingan pemegang saham yang dituangkan of shareholders as outlined in the General Meeting of
melalui Rapat Umum Pemegang Saham (RUPS); Shareholders (GMS); the Board of Directors with their
Direksi dengan tugasnya untuk mengelola; serta Dewan duties to manage; as well as the Board of Commissioners
Komisaris yang berfungsi melakukan pengawasan. whose function is to supervise. The management
Sistem kepengurusan Perseroan Terbatas menganut system of a Limited Liability Company adheres to a
model 2 (dua) badan (two tier system), yaitu Dewan 2 (two) models (two tier system), namely the Board
Komisaris dan Direksi, yang memiliki wewenang dan of Commissioners and the Board of Directors, who
tanggung jawab yang jelas sesuai fungsinya masing- have clear authorities and responsibilities according
masing sebagaimana diamanatkan dalam peraturan to their respective functions as mandated in laws and
dan perundang-undangan. regulations.
Perseroan telah memiliki ketiga organ utama tersebut, The Company already has these three main organs,
baik RUPS, Dewan Komisaris dan Direksi. Berdasarkan both the GMS, the Board of Commissioners and the
Peraturan Direksi No. 100 Tahun 2022 tentang Piagam Board of Directors. Based on Directors Regulation
Tata Kelola Perusahaan yang Baik (GCG Code), bahwa No. 181 of 2019 concerning the Guidelines for Good
organ Perseroan terdiri dari Rapat Umum Pemegang Corporate Governance (GCG Code) regarding the
Saham (RUPS), Dewan Komisaris, dan Direksi. RUPS Board Manual, that the Company’s organs consist of
adalah organ Perseroan yang mempunyai wewenang the General Meeting of Shareholders (GMS), the Board
yang tidak diberikan kepada Direksi atau Dewan of Commissioners and the Board of Directors. The GMS
Komisaris dalam batas yang ditentukan dalam is an organ of the Company that has authority that is
peraturan perundang undangan dan/atau Anggaran not granted to the Board of Directors or the Board of
Dasar. Dewan Komisaris adalah organ Perseroan yang Commissioners within the limits specified in laws and
bertugas melakukan pengawasan secara umum dan/ regulations and/or the Articles of Association. The Board
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atau khusus sesuai dengan Anggaran Dasar serta of Commissioners is the organ of the Company whose
memberi nasihat kepada Direksi. Sementara itu, duty is to carry out general and/or specific supervision in
Direksi adalah organ Perseroan yang berwenang dan accordance with the Articles of Association and provide
bertanggung jawab penuh atas pengurusan Perseroan advice to the Board of Directors. While the Board of
untuk kepentingan Perseroan, sesuai dengan maksud Directors is an organ of the Company that is authorized
dan tujuan Perseroan serta mewakili Perseroan, baik and fully responsible for managing the Company for the
di dalam maupun di luar pengadilan sesuai dengan benefit of the Company, in accordance with the aims and
ketentuan Anggaran Dasar. objectives of the Company and represents the Company,
both inside and outside the court in accordance with the
provisions of the Articles of Association.
Organ Perseroan tersebut memainkan peran kunci Those Company organs plays a key role in the
dalam keberhasilan pelaksanaan governansi korporat. successful implementation of GCG. The Company’s
Organ Perseroan menjalankan fungsinya sesuai organs carry out their functions according to laws
dengan ketentuan perundang undangan, Anggaran provisions, the Articles of Association, and other
Dasar dan ketentuan lainnya atas dasar prinsip bahwa provisions on the basis of the principle that each organ
masing-masing organ mempunyai independensi dalam has independence in carrying out its duties, functions,
melaksanakan tugas, fungsi dan tanggung jawabnya and responsibilities for the benefit of the Company.
untuk kepentingan Perseroan.
Struktur Tata Kelola Pegadaian
Pegadaian’s Governance Structure
Rapat Umum Pemegang Saham (RUPS)
General Meeting of Shareholders (GMS)
Organ Utama Dewan Komisaris Direksi
Main Organs Board of Commissioners Board of Directors
Komite Audit Sekretaris Perusahaan Komite Aset dan Liabilitas
Audit Committee Corporate Secretary Asset & Liability Committee
Organ Pendukung Komite Pemantau Risiko Satuan Pengawasan Intern Komite Kredit
Supporting Organs Risk Management Committee Internal Audit Unit Credit Committee
Komite Nominasi dan Satuan Kerja Lainnya Komite Produk
Remunerasi Other Work Unit Product Committee
Nomination and
Remuneration Committee
Komite Investasi & Belanja
Risk Management Modal
Committee Investment & Capital
Expenditure Committee
Komite Tanggung Jawab Komite Teknologi Informasi
Sosial dan Lingkungan Information & Technology
Social and Environmental Committee
Responsibility Committee
Komite Human Capital
Komite Transformasi Human Capital Comittee
Transformation Comittee
Regulator, Audit Independen
Pelanggan, Komunitas & Akuntan Publik Karyawan
Organ Eksternal
Customer, Community Regulator, Independent Audit, Employee
External Organs
Public Accountant
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Tata Kelola Perusahaan
Corporate Governance
Perseroan melaksanakan mekanisme governansi The Company implements the GCG mechanism
korporat dalam sebuah tatanan, dimana seluruh organ in an order, where all the Company’s organs have
Perseroan memiliki tanggung jawab tersendiri namun their own responsibilities but still integrated with
tetap melaksanakan implementasi governansi korporat GCG implementation. Based on this mechanism,
secara terintegrasi. Berdasarkan mekanisme tersebut, the GMS has the highest authority, while the Board
RUPS memiliki kewenangan tertinggi, sedangkan of Commissioners has a supervisory function and
Dewan Komisaris memiliki fungsi pengawasan serta provides advice to the Board of Directors, and in
memberikan nasihat kepada Direksi, dan dalam carrying out its functions, the Board of Commissioners
menjalankan fungsinya, Dewan Komisaris dibantu are assisted by the supporting organs of the Board
organ pendukung Dewan Komisaris. Sementara, of Commissioners. While the Board of Directors is
Direksi bertanggung jawab atas pengelolaan/ responsible for the management of the Company,
pengurusan Perseroan, di mana dalam menjalankan in which in carrying out these duties, the Board of
tugas tersebut, Direksi dibantu oleh organ pendukung Directors are assisted by the supporting organs of
Direksi untuk dapat mematuhi segala peraturan dan the Board of Directors to be able to comply with all
perundang-undangan yang berlaku. prevailing laws and regulations.
Penanggung Jawab Implementasi Responsible Party in Charge of Corporate
Governansi Korporat di Lingkup Governance Implementation within the
Perseroan Company
Berdasarkan Keputusan Direksi No. 670/KEP/2023 Based on Decree of the Board of Directors No.
tanggal 11 Agustus 2023 tentang Penanggung 670/KEP/2023 dated August 11, 2023 concerning
Jawab Penerapan dan Pemantauan Good Corporate Responsible Party in Charge for Implementing and
Governance (GCG), Direksi telah menunjuk Monitoring Good Corporate Governance (GCG),
Direktur Manajemen Risiko, Legal dan Kepatuhan the Board of Directors has appointed Director of
yang bertanggung Jawab dalam penerapan dan Risk Management, Legal and Compliance who is
pemantauan Tata Kelola Perusahaan yang Baik (Good responsible for implementing and monitoring Good
Corporate Governance). Adapun tugas dan tanggung Corporate Governance. The duties and responsibilities
jawab dalam menjalankan penerapan dan pemantauan in implementing and monitoring Good Corporate
Tata Kelola Perusahaan yang Baik (Good Corporate Governance include:
Governance), antara lain:
1. Menyusun rencana kerja yang diperlukan untuk 1. Prepare the necessary work plans to ensure the
memastikan Perusahaan memenuhi Pedoman Company fulfills the Guidelines for Implementing
Penerapan Tata Kelola Perusahaan yang Baik (Good Good Corporate Governance through work
Corporate Governance) melalui program kerja programs in the relevant Divisions that handle the
pada Divisi terkait yang menangani pelaksanaan implementation of Good Corporate Governance;
Tata Kelola Perusahaan yang Baik;
2. Memantau dan menjaga agar kegiatan usaha 2. Monitor and ensure that the Company’s business
Perusahaan tidak menyimpang dari ketentuan activities do not deviate from applicable
yang berlaku; regulations;
3. Memantau dan menjaga kepatuhan Perusahaan 3. Monitor and maintain the Company’s compliance
terhadap seluruh perjanjian dan komitmen yang with all agreements and commitments made by
dibuat oleh Perusahaan dengan Pihak Ketiga; the Company with Third Parties;
4. Menyampaikan laporan mengenai pelaksanaan 4. Submit reports on the implementation of Good
Tata Kelola Perusahaan yang Baik (Good Corporate Corporate Governance to Stakeholders
Governance) kepada Pemegang Kepentingan
(Stakeholders)
Governance Process: Kebijakan Governance Process: Supporting Policies
Pendukung Penerapan Governansi for the Implementation of Corporate
Korporat Governance
Soft Structure atau perangkat kebijakan berguna The Soft Structure or policy tools are useful for
untuk memberikan kerangka acuan dan standarisasi providing a framework of reference and standardizing
pelaksanaan tugas dari setiap organ governansi the implementation of the duties of each GCG organ
korporat yang dimiliki Perseroan serta seluruh Insan of the Company and all Pegadaian employees.
Pegadaian. Dalam upaya menerapkan governansi To implement GCG consistently in all lines of the
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korporat secara konsisten di semua lini organisasi, organization, the Company arranged the following
Perseroan membuat kebijakan sebagai berikut: policies:
1. Perseroan menempatkan kebijakan governansi 1. The Company places corporate governance
korporat sebagai pedoman bagi manajemen dan policies as a guideline for management and all
seluruh pegawai dalam menjalankan aktivitas employees in carrying out the Company’s business
bisnis dan operasional Perseroan. and operational activities.
2. Perseroan telah menyusun panduan governansi 2. The Company has developed a corporate
korporat (GCG Manual) sebagai panduan governance manual as a comprehensive
implementasi yang komprehensif atas penerapan implementation guide for the implementation
Governansi Perusahaan, seperti yang tergambar of the Company’s Corporate Governance, as
pada bagan di bawah ini: illustrated in the chart below.
Pedoman GCG
GCG Guidelines
Pedoman APU, PPT, dan
Standar Etika Perusahaan PPPSPM
Company Ethical Standards Guidelines for the APU,
PPT, and PPPSPM
Pedoman dan Tata Tertib
Kerja Dewan Komisaris Pedoman Pengadaan
BOC Charter Barang dan Jasa
Guidelines for
Procurement of Goods
and Services
Piagam Tata Tertib
Kerja Direksi
BOD Charter
Manual GCG
GCG Manual Pedoman
Pengendalian Internal
Guidelines for
Pedoman Pengendalian Internal Audit
Gratifikasi
Guidelines for
Gratification Control
Piagam Manajemen Risiko
Risk Management Charter
Pedoman Satuan
Pengawasan Intern
Guidelines for Internal
Audit Unit Pedoman Manajemen
Risiko
Guidelines for Risk
Kebijakan Pencegahan Management
Praktik Nepotisme
Nepotism Practice
Prevention Policy
Fungsi dan Peran Hubungan antara Perusahaan dengan
Hubungan antara Fungsi dan Peran Fungsi serta Peran
Direksi Stakeholders seperti Karyawan, Fungsi
Perusahaan dengan Dewan Komisaris Dewan Pengawas
Functions and Roles of dan Peran, Pelanggan, Kreditur dan
Pemegang Saham Functions and Syariah
the Board of Directors Mitra Kerja serta Masyarakat
Relationship Roles of the Board Functions and
Relationship between the Company
between the of Commissioners Roles of the
and Stakeholders such as Employees,
Company and Sharia Supervisory
Functions and Roles, Customers,
Shareholders Board
Creditors and Work Partners and the
Community
Sebagai bentuk ketaatan hukum dan komitmen dalam As a form of legal compliance and commitment in
pelaksanaan Governansi Perusahaan, aspek perangkat implementing corporate governance, aspects of
Governansi Perusahaan yang telah tercatat dan corporate governance that have been recorded and
disahkan oleh pihak berwenang meliputi: approved by the authorities include:
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Tata Kelola Perusahaan
Corporate Governance
Perangkat Kebijakan Pengesahan dan Pembaruan
Policy Mechanism Ratification and Update
Penghasilan dan Fasilitas Direksi dan Dewan Komisaris
Peraturan Menteri BUMN No. PER-12/MBU/11/2020
Income and Facilities of the Board of Directors and
Regulation of Minister of SOEs No. PER-12/MBU/11/2020
Board of Commissioners
Terakhir diubah dengan Akta No. 03 tanggal 05 September 2022,
yang dibuat di hadapan Nanda Fauz Iwan, S.H., M.Kn., Notaris di
Jakarta Selatan dan telah diterima pemberitahuannya oleh Menteri
Hukum dan Hak Asasi Manusia Republik Indonesia berdasarkan
Anggaran Dasar Perseroan Surat No. AHU-AH.01.09-0051655 tanggal 06 September
Articles of Association of the Company Last amended by the Deed No. 03 dated September 5, 2022,
which was made before Nanda Fauz Iwan, S.H., M.Kn., Notary in
South Jakarta and its notification was received by the Minister
of Law and Human Rights of the Republic of Indonesia based on
Decree No. AHU-AH.01.09-0051655 dated September 6, 2022.
Keputusan Dewan Komisaris No. KEP-09/KEP/DK.GD/09/2020
Piagam Komite Nominasi dan Remunerasi
Decree of the Board of Commissioners No. KEP-09/KEP/
Nomination and Remuneration Committee Charter
DK.GD/09/2020
Keputusan Dewan Komisaris No. KEP-10/KP/DK.GD/09/2020
Piagam Komite Pemantau Risiko
Decree of the Board of Commissioners No. KEP-10/KP/
Risk Monitoring Committee Charter
DK.GD/09/2020
Keputusan Dewan Komisaris No. KEP-05/KP/DK.GD/12/2018
Piagam Komite Audit
Decree of the Board of Commissioners No. KEP-05/KP/
Audit Committee Charter
DK.GD/12/2018
Pembagian Tugas Anggota-anggota Dewan Komisaris
Division of Duties of the Members of the Board of KEP-12/KP/DK.GD/10/2022
Commissioners
Kebijakan Perkreditan Pegadaian Peraturan No. 10 Tahun 2020
Pegadaian Credit Policy Regulation No. 10 of 2020
Kebijakan Umum Pengadaan dan Manajemen Aset
Tetap Peraturan Direksi No. 164 Tahun 2020
General Policy for Procurement and Management of Regulation of the Board of Directors No. 164 of 2020
Fixed Assets
Kebijakan Umum Pengendalian Internal Peraturan Direksi No. 168 Tahun 2020
General Policy on Internal Control Regulation of the Board of Directors No. 168 of 2020
Kebijakan Umum Teknologi Informasi dan Manajemen
Inovasi Peraturan Direksi No. 53 Tahun 2021
General Policy for Information Technology and Regulation of the Board of Directors No. 53 of 2021
Innovation Management
Kebijakan Umum Perusahaan Anak Peraturan Direksi No. 152 Tahun 2021
General Policy of Subsidiary Companies Regulation of the Board of Directors No. 152 of 2021
Kebijakan Umum Investasi Peraturan Direksi No. 154 Tahun 2021
General Policy on Investment Regulation of the Board of Directors No. 154 of 2021
Kebijakan Manajemen Risiko Peraturan Direksi No. 68 Tahun 2021
Risk Management Policy Regulation of the Board of Directors No. 68 of 2021
Kebijakan Umum Tata Kelola & Kepatuhan Kebijakan Umum No 1 Tahun 2023
General Policy for Governance and Compliance General Policy No. 1 of 2023
Kebijakan Umum Keuangan dan Perencanaan Strategis Peraturan Direksi No. 85 Tahun 2022
General Financial Policy and Strategic Planning Regulation of the Board of Directors No. 85 of 2022
Pencegahan Praktik Nepotisme Peraturan Direksi No. 60 Tahun 2014
Prevention of Nepotism Practices Regulation of the Board of Directors No. 60 of 2014
Pedoman Sistem Pelaporan Pelanggaran
Peraturan Direksi No. 83 Tahun 2023
(Whistleblowing System)
Regulation of the Board of Directors No. 83 of 2023
Guidelines for the Whistleblowing System
Pedoman Pengendalian Intern (Internal Control) Peraturan Direksi No. 28 Tahun 2018
Internal Control Guidelines Regulation of the Board of Directors No. 28 of 2018
Pedoman Umum Satuan Kerja TI Peraturan Direksi No. 121 Tahun 2018
General Guidelines for the IT Work Unit Regulation of the Board of Directors No. 121 of 2018
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Perangkat Kebijakan Pengesahan dan Pembaruan
Policy Mechanism Ratification and Update
Pedoman Program Anti Fraud Peraturan Direksi No. 54 Tahun 2020
Anti Fraud Program Guidelines Regulation of the Board of Directors No. 54 of 2020
Pedoman Umum Hubungan Induk dan Anak Peraturan Direksi No. 156 Tahun 2020 yang diubah dengan
Perusahaan Peraturan Direksi 83 Tahun 2022
General Guidelines for the Relationship between Regulation of the Board of Directors No. 156 of 2020 as amended
Parent and Subsidiaries by Regulation of the Board of Directors 83 of 2022
Pedoman Penanganan Benturan Kepentingan Peraturan Direksi No. 135 Tahun 2020
Guidelines for Handling Conflicts of Interest Regulation of the Board of Directors No. 135 of 2020
Pedoman Interaksi Hubungan Induk Perusahaan dan
Anak Perusahaan Peraturan Direksi No. 157 Tahun 2020
Guidelines for Interaction between Parent and Regulation of the Board of Directors No. 157 of 2020
Subsidiaries
Standard Operational Procedure (SOP) Produk
Pegadaian Remittance Peraturan Direksi No. 15 Tahun 2021
Standard Operational Procedure (SOP) for Pegadaian Regulation of the Board of Directors No. 15 of 2021
Remittance Products
Kewajiban Penyampaian Laporan Harta Kekayaan
Penyelenggara Negara (LHKPN) Peraturan Direksi No. 09 Tahun 2022
Obligation to Submit State Officials’ Wealth Report Regulation of the Board of Directors No. 09 of 2022
(LHKPN)
Pedoman Pengendalian Gratifikasi Peraturan Direksi No. 65 Tahun 2022
Gratification Control Guidelines Regulation of the Board of Directors No. 65 of 2022
Pedoman Penerapan Kepatuhan Peraturan Direksi No. 67 Tahun 2022
Guidelines for Implementing Compliance Regulation of the Board of Directors No. 67 of 2022
Piagam Satuan Pengawasan Intern Peraturan Direksi No. 81 Tahun 2022
Internal Audit Unit Charter Regulation of the Board of Directors No. 81 of 2022
Piagam Satuan Pengawasan Intern Grup Peraturan Direksi No. 82 Tahun 2022
Internal Audit Unit Charter of the Group Regulation of the Board of Directors No. 82 of 2022
Pedoman Umum Satuan Pengawasan Intern Peraturan Direksi No. 93 Tahun 2022
General Guidelines for Internal Audit Unit Regulation of the Board of Directors No. 93 of 2022
Pedoman Sistem Manajemen Anti Penyuapan Peraturan Direksi No. 17 Tahun 2023
Guidelines for Anti-Bribery Management System Regulation of the Board of Directors No. 17 of 2023
Pedoman Pelayanan dan Penyelesaian Pengaduan
Nasabah Peraturan Direksi No. 32 Tahun 2023
Guidelines for Customer Complaint Services and Regulation of the Board of Directors No. 32 of 2023
Resolution
Pedoman Penerapan Program Anti Pencucian Uang
(APU), Pencegahan, Pendanaan Terorisme, dan
Pencegahan Pendanaan Prolliferasi Senjata Pemusnah
Masal (APU, PPT, dan PPPSPM) Peraturan Direksi No. 59 Tahun 2023
Guidelines for Implementing Anti-Money Laundering Regulation of the Board of Directors No. 59 of 2023
(APU), Prevention, Terrorism Financing and Prevention
of Funding for the Proliferation of Weapons of Mass
Destruction (APU, PPT and PPPSPM) Programs
Pedoman Pengadaan Barang/Jasa E-Procurement Peraturan Direksi No. 66 Tahun 2023
Guidelines for E-Procurement of Goods/Services Regulation of the Board of Directors No. 66 of 2023
Batas Kewenangan Pengadaan Barang dan Jasa
Peraturan Direksi No. 67 Tahun 2023
Limits of Authority for the Procurement of Goods and
Regulation of the Board of Directors No. 67 of 2023
Services
Pedoman Risk Appetite Statement (RAS) dan Profil
Risiko Peraturan Direksi No. 96 Tahun 2022
Guidelines for Risk Appetite Statement (RAS) and Risk Regulation of the Board of Directors No. 96 of 2022
Profile
Pembagian Tugas dan Tanggung Jawab Board of
Management Keputusan Direksi No. 553/KEP/2023
Division of Duties and Responsibilities of the Board of Decree of the Board of Directors No. 553/KEP/2023
Management
Pengganti Direksi Apabila Berhalangan Sementara
dalam Menjalankan Tugas Keputusan Direksi No. 554/kep/2023
Replacement for the Board of Directors if Temporarily Decree of the Board of Directors No. 554/kep/2023
Unable to Fulfill Duties
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Tata Kelola Perusahaan
Corporate Governance
Selain memberikan standar prosedural dalam tata kelola In addition to providing procedural standards in
organisasi, aspek perangkat kebijakan menegaskan organizational governance, aspects of the policy set
keberadaan setiap organ Governansi Perusahaan yang emphasize the existence of each GCG organ that has
telah diatur oleh peraturan dan perundang-undangan been regulated by prevailing laws and regulations,
yang berlaku, termasuk bagi insan Pegadaian secara including for all personnel of Pegadaian. By complying
keseluruhan. Dengan mematuhi perangkat kebijakan with existing policy instruments, all GCG organs and
yang ada, seluruh organ governansi korporat dan every Pegadaian employee have a strong foundation
setiap Insan Pegadaian memiliki landasan yang kuat to think and act in the interests of the Company and
untuk berpikir dan bertindak demi kepentingan their personal interests.
Perseroan dan kepentingan pribadinya.
Landasan Hukum Penerapan GCG Pegadaian
Legal Basis of Implementation of GCG of Pegadaian
Undang-Undang
Law
• Peraturan Pemerintah
• Peraturan Kementerian BUMN
• Peraturan OJK
• Regulation of Government
• Regulation of the Ministry of
SOEs
• Regulation of OJK
Soft Structure GCG Pegadaian
Soft Structure of GCG of Pegadaian
Sosialisasi dan Internalisasi Struktur dan Socialization and Internalization of
Mekanisme Governansi Governance Structure and Mechanism
Perseroan menyadari pentingnya penerapan governansi The Company realizes the importance of implementing
korporat secara sistematis dan konsisten agar dapat corporate governance systematically and consistently
mendorong perkembangan bisnis, akuntabilitas serta in order to encourage business development,
mewujudkan nilai Pemegang Saham dalam jangka accountability as well as notices shareholder value
panjang tanpa mengabaikan kepentingan Pemangku in the long term without ignoring the interests of
Kepentingan lainnya. Perseroan melakukan tahapan other stakeholders. The Company carries stages
sosialisasi dan implementasi governansi korporat of socialization and implementation of corporate
secara berkesinambungan yang dilaksanakan oleh Unit governance on an ongoing basis by the Corporate
Kerja bidang governansi korporat. Kegiatan sosialisasi Governance Work Unit. Regular socialization activities
secara berkala sekurang-kurangnya setahun sekali are implemented at least once a year for internal and
dilakukan terhadap pihak internal maupun eksternal external parties of the Company.
Perseroan.
Sosialisasi terhadap pihak internal dititikberatkan Socialization to internal parties is focused on
pada pemahaman governansi korporat dan timbulnya understanding corporate governance and creating
kesadaran dan kebutuhan untuk menerapkan awareness and the need to implement corporate
Governansi Perusahaan secara konsisten. Di sisi lain, governance consistently. On the other hand,
sosialisasi kepada pihak eksternal ditujukan untuk socialization to external parties is aimed at provides
memberikan pemahaman tentang cara kerja sesuai understanding of how to work according to the
governansi korporat yang berlaku di Perseroan. corporate governance that applies in the Company.
Penerapan governansi korporat dilaksanakan secara The implementation of corporate governance is
konsisten dengan didukung adanya laporan dari carried out consistently, supported by periodic reports
masing-masing unit kerja secara berkala mengenai from each work unit regarding the implementation of
implementasi pedoman dan dikaitkan dengan sistem guidelines and linked to the reward and punishment
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reward dan punishment yang dilaksanakan oleh system implemented by the Company. Reports on
Perseroan. Laporan penerapan governansi korporat di the implementation of corporate governance at
Pegadaian dilakukan oleh Unit Kerja yang membidangi Pegadaian are carried out by the Work Unit in charge
Governansi Perusahaan secara berkala setiap tahun of Corporate Governance periodically every year
kepada Direksi dan memberikan tembusan kepada to the Board of Directors and provide a copy to the
Dewan Komisaris. Board of Commissioners.
Governance Outcomes: Manfaat Governance Outcomes: Benefits of
Penerapan Prinsip Governansi Korporat Implementing Corporate Governance
Principles
Tercapainya governance outcome menjadi salah Achieving governance outcome is one of the supporting
satu faktor pendukung dari pelaksanaan efektivitas factors for the effective implementation of corporate
penerapan Governansi Perusahaan di lingkungan governance in Pegadaian. Consistent implementation
Pegadaian. penerapan Governansi Perusahaan of Corporate Governance could provide benefits for
secara konsisten mampu memberikan manfaat bagi Pegadaian and its stakeholders by achieving quite
Pegadaian dan para pemangku kepentingan dengan good financial and operational performance in 2023.
tercapainya kinerja keuangan maupun operasional The results of Corporate Governance implementation
yang cukup baik di tahun 2023. Hasil dari penerapan can also be seen from the increase in customer trust
Governansi Perusahaan juga terlihat dari meningkatnya in the Company and employee loyalty which continues
kepercayaan nasabah terhadap Perseroan serta to increase. Apart from that, the Company also often
loyalitas pegawai yang terus mengalami peningkatan. receives awards in the field of governance as a form of
Selain itu, Perseroan juga kerap mendapatkan external parties’ trust in the Company.
penghargaan di bidang Governansi sebagai bentuk
kepercayaan pihak eksternal kepada Perseroan.
Pemantauan Hasil: Penilaian, Result Monitoring: Assessment,
Evaluasi, dan Peningkatan Penerapan Evaluation and Improvement
Governansi Korporat of Corporate Governance
Implementation
Hasil tata kelola atau governance outcome, merupakan Governance results or governance outcomes are
keluaran hasil dari penerapan struktur dan proses tata the output resulting from the implementation of
kelola, baik dari aspek hasil kinerja maupun cara- governance structures and processes, both in terms
cara/praktik-praktik yang digunakan untuk mencapai of performance results and the methods/practices
hasil kinerja tersebut. Untuk dapat mengetahui dan used to achieve these performance results. To be
mendapatkan gambaran kualitas hasil tata kelola, able to know and get an overview of the quality of
Perseroan memiliki mekanisme Assessment atau governance results, the Company has Assessment
penilaian penerapan governansi korporat secara mechanism of the implementation of corporate
periodik dan berkala setiap tahun. Perseroan governance periodically and every year. The Company
melakukan penilaian penerapan governansi korporat assess the implementation of corporate governance
melalui 2 (dua) model penilaian, yaitu: through 2 (two) assessment models:
1. Assessment Penerapan Governansi Korporat 1. Assessment of the Implementation of Corporate
berdasarkan Regulasi BUMN Governance based on SOEs Regulations
Penilaian ini didasarkan pada Pasal 44 Peraturan This assessment is based on Article 44 of
Menteri BUMN No. PER-01/MBU/2011 tanggal 1 Regulation of the Minister of SOEs No. PER-01/
Agustus 2011 tentang Penerapan Tata Kelola yang MBU/2011 dated August 1, 2011 concerning the
Baik pada BUMN Bab XII tentang Pengukuran Implementation of Good Governance in SOEs
terhadap Penerapan GCG, dengan ketentuan Chapter SK-16/S.MBU/2012 dated June 6, 2012
teknis diatur dalam Salinan Keputusan Sekretaris concerning Indicators/Parameters for Assessment
Kementerian BUMN No. SK-16/S.MBU/2012 and Evaluation of the Implementation of Good
tanggal 6 Juni 2012 tentang Indikator/Parameter Corporate Governance in SOEs.
Penilaian dan Evaluasi atas Penerapan Tata
Kelola Perusahaan yang Baik (Good Corporate
Governance) pada BUMN.
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Tata Kelola Perusahaan
Corporate Governance
2. Penilaian Corporate Governance Perception 2. Corporate Governance Perception Index (CGPI)
Index (CGPI) assessment
Penilaian penerapan Governansi Perusahaan oleh Assessment of the implementation of Corporate
pihak ketiga independen, yaitu Penilaian oleh The Governance by independent third party, namely
Indonesian Institute For Corporate Governance. Assessment by The Indonesian Institute For
Corporate Governance
Assessment Penerapan Governansi Assessment of the Implementation of
Korporat berdasarkan Regulasi BUMN Corporate Governance based on SOEs
Regulation
Tujuan Penilaian, Dasar Penilaian, dan Assessment Objectives, Basis for
Metode Assessment, and Methods
Sesuai Peraturan Presiden (Perpres) No. 192 Tahun In accordance with Presidential Regulation (Perpres) No.
2014 tentang Badan Pengawasan Keuangan dan 192 of 2014 concerning the Financial and Development
Pembangunan (BPKP), Peraturan Pemerintah (PP) No. Supervisory Agency (BPKP), Government Regulation
60 Tahun 2008 tentang Sistem Pengendalian Intern (PP) No. 60 of 2008 concerning Government Internal
Pemerintah, dan Peraturan Menteri BUMN No. PER- Control System, and Regulation of Minister of SOEs
2/MBU/03/2023 tentang Pedoman Tata Kelola dan No. PER-2/MBU/03/2023 concerning Guidelines for
Kegiatan Korporasi Signifikan Badan Usaha Milik Negara Governance and Significant Corporate Activities of
serta Peraturan OJK (POJK) No. 21/POJK.04/2015 State-Owned Enterprises and OJK Regulation (POJK)
tentang Pedoman Tata Kelola Perusahaan Terbuka, No. 21/POJK.04/2015 concerning Guidelines for Public
Perseroan sebagai BUMN sekaligus sebagai Emiten Company Governance, the Company as a SOE as well
wajib untuk melakukan pengukuran terhadap as an Issuer is obliged to measure the implementation
penerapan Governansi Perusahaan yang dilakukan of Corporate Governance which is carried out
melalui penilaian (assessment). Perseroan melakukan through assessment. The Company assesses the
penilaian penerapan Governansi Perusahaan secara implementation of Corporate Governance consistently
konsisten setiap tahunnya untuk mengetahui tingkat every year to determine the level of adequacy of the
kecukupan penerapan Governansi Perusahaan di implementation of Corporate Governance within the
lingkungan Perseroan. Penilaian yang dilakukan Company. The assessment is carried out using various
menggunakan berbagai acuan standar praktik terbaik applicable best practice standard references.
(best practices) yang berlaku.
Adapun tujuan dilaksanakannya asesmen tersebut, The objectives of this assessment include:
antara lain:
1. Menguji dan menilai penerapan governansi korporat 1. Test and assess the implementation of corporate
melalui elaborasi kondisi penerapan governansi governance through elaboration of the conditions
korporat dan dengan kondisi nyata yang diterapkan for implementing corporate governance and with
pada Perseroan, melalui pemberian skor/nilai atas the real conditions applied to the Company, through
penerapan Governansi Perusahaan dan kategori providing scores/values for the implementation
kualitas penerapan governansi korporat. of Corporate Governance and categories for the
quality of implementing corporate governance.
2. Mengidentifikasi kekuatan dan kelemahan 2. Identify strengths and weaknesses of the
penerapan governansi korporat, serta mengusulkan implementation of corporate governance, as well
rekomendasi perbaikan untuk mengurangi celah as propose recommendations for improvements
(gap) antara kriteria governansi korporat dan to reduce the gap between corporate governance
penerapannya pada Perseroan. criteria and their application to the Company.
3. Memberikan rekomendasi penyempurnaan 3. Provide recommendations for improvements to
terhadap kesenjangan yang ditemukan dalam gaps found in the implementation of corporate
implementasi governansi korporat sejalan dengan governance in line with best practices.
best practices.
4. Memantau konsistensi penerapan governansi 4. Monitor the consistency of corporate governance
korporat dan memperoleh masukan untuk implementation and obtain input for improving
penyempurnaan dan pengembangan kebijakan and developing corporate governance policies.
Governansi Perusahaan.
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Berdasarkan Peraturan Menteri BUMN No. PER-2/ Based on Regulation of the Minister of BUMN No. PER-
MBU/03/2023, Perseroan melakukan pengukuran 2/MBU/03/2023, the Company measures corporate
terhadap governansi korporat sebagai berikut: governance as follows:
1. Pelaksanaan penerapan governansi korporat/ 1. The implementation of corporate governance/
assessment governansi korporat dilakukan secara assessment of corporate governance is carried out
berkala oleh Perseroan oleh asesor eksternal, dan periodically by the Company by external assessor,
tidak menutup kemungkinan diselingi oleh self- and does not rule out the possibility of being
assessment yang dilakukan oleh asesor internal interrupted by self-assessment by the Company’s
Perseroan. internal assessor.
2. Evaluasi (review), yaitu program untuk 2. Evaluation (review), is a program to describe the
mendeskripsikan tindak lanjut pelaksanaan dan follow-up to the implementation and application
penerapan governansi korporat di Perseroan yang of corporate governance in the Company which
dilakukan pada tahun berikutnya setelah penilaian is carried out in the following year after the
sebagaimana dimaksud pada poin pertama, yang assessment as referred to in the first point,
meliputi evaluasi terhadap hasil penilaian dan which includes evaluation of the results of the
tindak lanjut atas rekomendasi perbaikan. assessment and follow-up on recommendations
for improvement.
Pelaksanaan Assessment Penerapan Implementation of the Assessment of
Governansi Korporat Tahun 2023 Corporate Governance Implementation in
2023
Pada Tahun 2023 dilakukan self assessment GCG In 2023, a GCG self-assessment was carried out based
berdasarkan surat PT Bank Rakyat Indonesia (Persero), on a decree from PT Bank Rakyat Indonesia (Persero)
Tbk. nomor B.28-KEP/GCG/ING/12/2023 dengan Tbk No. B.28-KEP/GCG/ING/12/2023 with assessment
rincian penilaian sebagai berikut: details as follows:
Jenis Penilaian
Self Assessment
Assessment Type
Assessor/Penilai Internal PT Pegadaian
Tahun Buku Penerapan 1 Januari-31 Desember 2023
Fiscal Year January 1 -December 31, 2023
Waktu Pengukuran
Desember 2023 - Januari 2024
Measurement Time
Waktu Terbit Laporan Hasil Pengukuran 15 Januari 2024
Time of Publication of Measurement Results Report January 15, 2024
Di tahun 2023, hasil asesmen penerapan governansi In 2023, assessment results of the implementation of
korporat menunjukkan total skor 98,919 atau mencapai corporate governance show a total score of 98.919 or
kualitas “98,92%” dengan rincian hasil berikut: reaching a quality of “98.92%” with the following details:
Bobot Capaian
Aspek Penilaian Nilai
Weight Achievement
Assessment Aspect Value
(%) (%)
Komitmen terhadap Penerapan Governansi Korporat Secara Berkelanjutan
7,00 7,00 100%
Commitment to Sustainable Implementation of Corporate Governance
Pemegang Saham dan RUPS
9,00 8,971 99,67%
Shareholders and GMS
Dewan Komisaris
35,00 34,911 99,74%
Board of Commissioners
Direksi
35,00 34,763 99,32%
Board of Directors
PT Pegadaian | 2023 Annual Report 299
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Tata Kelola Perusahaan
Corporate Governance
Bobot Capaian
Aspek Penilaian Nilai
Weight Achievement
Assessment Aspect Value
(%) (%)
Pengungkapan Informasi dan Transparansi
9,00 8,274 91,93%
Information Disclosure and Transparency
Aspek Lainnya
5,00 5,00 100%
Other Aspects
Skor Keseluruhan
100,00 98,919 98,92%
Overall Score
Klasifikasi Kualitas Penerapan Governansi Korporat “Sangat Baik”
Classification of the Quality of Corporate Governance Implementation “Very Good”
Keterangan: 0-50: Tidak Baik | 50-60: Kurang Baik | 60-75: Cukup Baik | 75-85: Baik | 85-100: Sangat Baik
Description: 0-50: Not Good | 50-60: Less Good | 60-75: Fairly Good | 75-85: Good | 85-100: Very Good
Mengacu pada hasil asesmen tersebut, terdapat 4 butir Referring to the assessment results, there are 4
rekomendasi yang menjadi Area of Improvement (AoI) recommendations as Areas of Improvement (AoI)
yang perlu ditindaklanjuti sebagai upaya peningkatan that need to be followed up as an effort to improve
kualitas penerapan Governansi Perusahaan di tahun the quality of the implementation of Company
selanjutnya. Adapun rekomendasi penilaian penerapan Governance in the following year. Recommendations
Governansi Perusahaan pada tahun buku 2023, for the assessment of the Company Governance
sebagai berikut: implementation in the 2023 fiscal year are as follows:
Aspek Rekomendasi
No
Aspect Recommendation
Komitmen terhadap Penerapan Governansi
Korporat secara Berkelanjutan Tidak ada
1.
Commitment to Sustainable Implementation None
of Corporate Governance
Pemegang Saham dan RUPS/Pemilik Modal Tidak ada
2.
Shareholders and GMS/Capital Owner None
Standar jangka waktu tingkat kesegeraan pengambilan keputusan
yaitu berkisar 7 sampai dengan 14 hari, sehingga hal tersebut perlu
dilakukan penambahan pada Pedoman dan Tata Tertib Kerja Dewan
Dewan Komisaris
3. Komisaris
Board of Commissioners
The standard time period for the level of immediacy of decision
making is around 7 to 14 days as this needs to be added to the Board
of Commissioners’ Work Guidelines and Regulations
1. Perusahaan melakukan pengukuran survei kepuasan Karyawan;
2. Telah terdapat kebijakan terkait Tanggung Jawab Sosial dan
Lingkungan Perusahaan, namun perlu untuk dilakukan kesesuaian
dengan Peraturan Menteri BUMN Nomor PER-1/MBU/03/2023
tentang Penugasan Khusus dan Program Tanggung Jawab Sosial
Direksi dan Lingkungan BUMN.
4.
Board of Directors 1. The Company conducts employee satisfaction survey;
2. There are already policies related to Corporate Social and
Environmental Responsibility, but it is necessary to comply with the
Regulation of Minister of SOEs No. PER-1/MBU/03/2023 concerning
Special Assignments and Programs for Social and Environmental
Responsibility of SOEs.
Dalam rangka pemenuhan standar penilaian ajang Annual Report
Award (ARA), Perusahaan melakukan penilaian gap atas implementasi
Pedoman Umum Governansi Korporat Indonesia (PUG-KI) Tahun 2021
dan melakukan penyesuaian atas gap yang ada.
Pengungkapan Informasi dan Transparansi
5. In order to fulfill the assessment standards for the Annual Report
Information Disclosure and Transparency
Award (ARA), the Company conducted a gap assessment on the
implementation of the 2021 Indonesian General Guidelines for
Corporate Governance (PUG-KI) and made adjustments to existing
gaps.
Aspek Lainnya Tidak ada
6.
Other Aspects None
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Pelaksanaan Assessment Penerapan Implementation of Assessment on the
Governansi Korporat Tahun 2022 Corporate Governance Implementation in
2022
Dalam melaksanakan pengukuran penerapan In carrying out measurements of the implementation
governansi korporat untuk periode tahun buku 2022, of corporate governance for the 2022 financial year,
Perseroan melakukan assessment governansi korporat the Company carried out a corporate governance
oleh asesor independen dengan metode pengukuran assessment by an independent assessor with
mencakup 6 (enam) aspek pokok, 43 indikator dan 153 measurement method covering 6 (six) main aspects,
parameter pengujian (subindikator), sesuai Keputusan 43 indicators and 153 test parameters (sub-indicators),
Sekretaris Kementerian BUMN No. SK-16/S.MBU/2012. in accordance with the Decree of the Secretary of the
Ministry of SOEs No. SK-16/S.MBU/2012.
Jenis Penilaian Assessment GCG oleh Asesor Independen
Assessment Type GCG Assessment by Independent Assessor
Assessor/Penilai PT Sinergi Daya Prima
Tahun Buku Penerapan 1 Januari-31 Desember 2022
Fiscal Year January 1 -December 31, 2022
Waktu Pengukuran
Measurement Time November-Desember
Waktu Terbit Laporan Hasil Pengukuran 28 Februari 2023
Time of Publication of Measurement Results Report February 28, 2023
Hasil Assessment penerapan Governansi Perusahaan Result of the Assessment of the Implementation of
periode tahun buku 2022 mencapai total skor 98,88 Company Governance for the 2022 financial year
atau mencapai kualitas “Sangat Baik” dengan rincian reached a total score of 98.88 or achieved “Very
hasil sebagai berikut: Good” quality with details of the results as follows:
Bobot Capaian
Aspek Penilaian Nilai
Weight Achievement
Assessment Aspect Value
(%) (%)
1. Komitmen Terhadap Penerapan Governansi Korporat Secara Berkelanjutan
7,00 7,000 100%
Commitment to Sustainable Implementation of Corporate Governance
2. Pemegang Saham dan RUPS
9,00 8,87 98,63%
Shareholders and GMS
3. Dewan Komisaris
35,00 34,901 99,72%
Board of Commissioners
4. Direksi
35,00 34,111 97,46%
Board of Directors
5. Pengungkapan Informasi dan Transparansi
9,00 8,990 99,88%
Information Disclosure and Transparency
6. Aspek Lainnya
5,00 5,000 100%
Other Aspects
Skor Keseluruhan
100,00 98,878 98,88%
Overall Score
SANGAT
Klasifikasi Kualitas Penerapan Governansi Perusahaan
BAIK
Classification of the Quality of Corporate Governance Implementation
VERY GOOD
Keterangan: 0-50: Tidak Baik | 50-60: Kurang Baik | 60-75: Cukup Baik | 75-85: Baik | 85-100: Sangat Baik
Description: 0-50: Not Good | 50-60: Less Good | 60-75: Fairly Good | 75-85: Good | 85-100: Very Good
Berdasarkan hasil assessment tersebut, terdapat Based on this assessment results, there are 13
13 butir rekomendasi yang menjadi Area of recommendations which are Areas of Improvement
Improvement (AoI) yang perlu ditindaklanjuti sebagai (AoI) that need to be followed up as an effort to
upaya peningkatan kualitas penerapan Governansi improve the quality of the implementation of Company
Perusahaan di tahun selanjutnya. Rekomendasi Governance in the following year. Recommendations
PT Pegadaian | 2023 Annual Report 301
Page 302
Tata Kelola Perusahaan
Corporate Governance
penilaian penerapan Governansi Perusahaan tahun from the assessment of the Corporate Governance
buku 2022 adalah sebagai berikut: implementation for the 2022 financial year are as
follows:
Aspek Rekomendasi
No
Aspect Recommendation
Komitmen
terhadap
Penerapan
Governansi
Korporat secara
Tidak Ada
1. Berkelanjutan
None
Commitment
to Sustainable
Implementation
of Corporate
Governance
• Memberikan alasan terhadap pemberhentian anggota Direksi sesuai dengan AD Perusahaan
• Memberikan alasan terhadap pemberhentian anggota Dewan Komisaris sesuai dengan AD
Perusahaan.
Pemegang • Mengesahkan Rencana Kerja Tanggung Jawab Sosial dan Lingkungan (RKA TJSL) dan Key
Saham dan Performance Indicators (KPI) yang tertuang dalam Kontrak Manajemen Tahun 2022 antara
RUPS/Pemilik Direksi dan Dewan Komisaris PT Pegadaian dengan Pemegang Saham PT Pegadaian.
2. Modal • Provide reasons for the dismissal of members of the Board of Directors in accordance with the
Shareholders Company’s AD
and GMS/Capital • Provide reasons for the dismissal of members of the Board of Commissioners in accordance
Owner with the Company’s AD.
• Ratify the Social and Environmental Responsibility Work Plan (RKA TJSL) and Key
Performance Indicators (KPI) contained in the 2022 Management Contract between the Board
of Directors and Board of Commissioners of PT Pegadaian and PT Pegadaian Shareholders.
1. Melengkapi Pedoman Tata Tertib Kerja Dewan Komisaris mengenai:
a. Standar waktu tingkat kesegeraan pengambilan keputusan persetujuan terhadap usulan
Direksi.
b. Ketentuan tentang tingkat kesegeraan untuk mengkomunikasikan keputusan Dewan
Komisaris kepada Direksi, maksimal 7 (tujuh) hari sejak disahkan/ditandatangani.
2. Mencantumkan dalam Pedoman dan Tata Tertib Kerja Dewan Komisaris terkait Dewan
Komisaris mengusulkan remunerasi Direksi sesuai ketentuan yang berlaku dan penilaian kinerja
Direksi.
Dewan 3. Melengkapi Pedoman dan Tata Tertib Kerja Dewan Komisaris mengenai Etika Rapat Dewan
Komisaris Komisaris dan Evaluasi tindak lanjut hasil rapat sebelumnya.
3.
Board of 1. Complete the Board of Commissioners’ Work Guidelines and Regulations on:
Commissioners a. Standard time for immediacy level in making decisions to approve the Board of Directors’
proposal.
b. Provision on immediacy level for communicating decisions of the Board of Commissioners to
the Board of Directors, a maximum of 7 (seven) days after it is ratified/signed.
2. Include in the Board of Commissioners’ Work Guidelines and Regulations that the Board
of Commissioners suggested remuneration for the Board of Directors in accordance with
applicable regulations and an assessment of the performance of Directors.
3. Complete the Board of Commissioners’ Work Guidelines and Regulations on Ethics in Board of
Commissioners Meetings and Evaluation of follow-up to the results of previous meetings.
• Menyesuaikan Struktur Organisasi dan Tata Kerja Pegadaian dengan Struktur Organisasi
Korporasi tanggal 30 Juni 2022.
• Melakukan peninjauan dan penyempurnaan beberapa SOP sesuai dengan ketentuan yang
berlaku.
• Memastikan Pedoman terkait Pelayanan dan Pengaduan Nasabah telah memenuhi aturan
regulator.
• Menyesuaikan Struktur Organisasi Divisi Hukum dalam Struktur Organisasi dan Tata Kerja Divisi
Hukum dengan Struktur Organisasi Korporasi tanggal 30 Juni 2022.
• Melakukan pengkinian kebijakan mengenai metode penilaian untuk mengukur kepuasan
karyawan.
Direksi • Menyusun kebijakan maupun petunjuk pelaksanaan mengenai tanggung jawab sosial dan
4. Board of lingkungan Perusahaan.
Directors • Adjust the Organizational Structure and Work Procedures of Pegadaian to the Corporate
Organizational Structure as of June 30, 2022.
• Review and refine several SOPs in accordance with applicable regulations.
• Ensure that the Guidelines on Customer Services and Complaints comply with regulatory
regulations.
• Adjust Organizational Structure of the Legal Division in Organizational Structure and Working
Procedures of the Legal Division with the Corporate Organizational Structure as of June 30,
2022.
• Update policies regarding assessment methods for measuring employee satisfaction.
• Develop policies and implementation instructions on the Company’s social and environmental
responsibilities.
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Aspek Rekomendasi
No
Aspect Recommendation
Pengungkapan
Informasi dan Melengkapi Laporan Tahunan dengan informasi terkait pelatihan yang akan dilakukan pada tahun
Transparansi berikutnya.
5.
Information Complete the Annual Report with information related to training that will be carried out in the
Disclosure and following year.
Transparency
Aspek Lainnya Tidak ada
6.
Other Aspects None
Sekilas tentang Assessment Penerapan A Glance at the Assessment of the
Governansi Korporat di Tahun-Tahun Implementation of Corporate Governance
Sebelumnya in Previous Years
Assessment atau penilaian penerapan governansi Assessment or evaluation of the implementation
korporat di lingkup Perseroan telah dilakukan of corporate governance within the Company
sejak tahun 2008. Proses assessment mengalami have been carried out since 2008. The assessment
perkembangan sejalan dengan pertumbuhan bisnis process has developed in line with business growth
dan perkembangan infrastruktur serta soft structure and development of infrastructure and corporate
governansi korporat di lingkup Perseroan. Berikut governance soft structure within the Company. The
disampaikan hasil assessment penerapan governansi following are the results of the assessment of the
korporat dalam 5 (lima) tahun terakhir. implementation of corporate governance in the last 5
(five) years.
Perjalanan Assessment Penerapan Governansi Perusahaan
Journey of Company Governance Implementation Assessment
Laporan Hasil
Assessment
Tahun Bentuk Pelaksanaan
Governansi
Buku Assessor Assessment Nilai Kategori Assessment
Target (RKAP) Report on
Financial Penilai Assessment Value Category Assessment
Governance
Year Form Implementation
Assessment
Result
Lebih tinggi
“Sangat 27 November 2017
PT Kharisma dari Tahun
Assessment Baik” s/d 17 Januari 2018 17 Januari 2018
2017 Integrasi sebelumnya 96,19
(Penilaian) “Very November 27, 2017 January 17, 2018
Manajemen Higher than the
Good” -January 17, 2018
previous year
Lebih tinggi 1 November 2018
“Sangat
dari Tahun s/d 22 Januari
PT Sinergi Assessment Baik” 22 Januari 2019
2018 sebelumnya 98,21 2019
Daya Prima (Penilaian) “Very January 22, 2019
Higher than the November 1, 2018
Good”
previous year -January 22, 2019
Lebih tinggi 12 November 2019
“Sangat
PT Multi dari Tahun s/d 17 Januari
Assessment Baik” 17 Februari 2020
2019 Utama sebelumnya 98,45 2020
(Penilaian) “Very February 17, 2020
Indojasa Higher than the November 12, 2019
Good”
previous year -January 17, 2020
Lebih tinggi 5 November 2020
“Sangat
PT Kharisma dari Tahun s/d 22 Januari
Assessment Baik” 22 Januari 2021
2020 Integrasi sebelumnya 98,60 2021
(Penilaian) “Very January 22, 2021
Manajemen Higher than the November 5, 2020
Good”
previous year -January 22, 2021
14 September 2021
Lebih tinggi
Self- “Sangat s/d 31 Desember
dari Tahun
Assessment Baik” 2021 17 Maret 2022
2021 PT Pegadaian sebelumnya 98,88
(Penilaian “Very September 14, March 17, 2022
Higher than the
Mandiri) Good” 2021 -December
previous year
31, 2021
PT Pegadaian | 2023 Annual Report 303
Page 304
Tata Kelola Perusahaan
Corporate Governance
Perjalanan Assessment Penerapan Governansi Perusahaan
Journey of Company Governance Implementation Assessment
Laporan Hasil
Assessment
Tahun Bentuk Pelaksanaan
Governansi
Buku Assessor Assessment Nilai Kategori Assessment
Target (RKAP) Report on
Financial Penilai Assessment Value Category Assessment
Governance
Year Form Implementation
Assessment
Result
Lebih tinggi 3 November 2022
“Sangat
dari Tahun s/d 26 Januari 28 Februari 2023
PT Sinergi Assessment Baik”
2022 sebelumnya 98,88 2023 February 28,
Daya Prima (Penilaian) “Very
Higher than the November 3, 2022 2023
Good”
previous year -January 26, 2023
2023* - - - - - - -
* ) Pada tahun 2023 Parameter tentang Tata Kelola Perusahaan di BUMN berdasarkan SK 16 KBUMN sudah dicabut maka tidak dilakukan
assessment penerapan Governansi Perusahaan. Adapun penilaian GCG dilakukan berdasarkan surat PT Bank Rakyat Indonesia (Persero), Tbk.
nomor B.28-KEP/GCG/ING/12/2023.
* ) In 2023, the parameters regarding Corporate Governance in SOEs based on SK 16 KBUMN have been revoked, so no assessment of the
implementation of Corporate Governance. The GCG assessment was carried out based on a decree from PT Bank Rakyat Indonesia (Persero),
Tbk No. B.28-KEP/GCG/ING/12/2023 .
Penilaian Corporate Governance Penilaian Corporate Governance
Perception Index (CGPI) Perception Index (CGPI)
Corporate Governance Perception Index (CGPI) The Corporate Governance Perception Index (CGPI) is
adalah program riset dan pemeringkatan penerapan research program and ranking of the implementation
governansi korporat pada perusahaan-perusahaan di of corporate governance in companies in Indonesia
Indonesia melalui perancangan riset yang mendorong through research method that encourages the
Perseroan meningkatkan kualitas penerapan Company to improve the quality of the corporate
konsep governansi korporat melalui perbaikan yang governance implementation concept through
berkesinambungan dengan melaksanakan evaluasi continuous improvement by evaluations and
dan benchmarking. Program ini dilaksanakan oleh oleh benchmarking. This program is implemented by the
Indonesia Institute of Corporate Governance (IICG) Indonesia Institute of Corporate Governance (IICG) in
bekerja sama dengan Majalah SWA. collaboration with SWA Magazine.
Metode Penilaian Assessment Method
Metode penilaian CGPI terdiri dari 4 (empat) tahapan The CGPI assessment method consists of 4 (four)
penilaian yang meliputi self-assessment, penilaian assessment stages which include self-assessment,
dokumen, penilaian makalah dan observasi. document assessment, paper assessment and
observation.
1. Self-Assessment 1. Self-Assessment
Adalah penilaian mandiri oleh Perseroan mengenai This is independent assessment by the Company
kualitas pelaksanaan governansi korporat di on the quality of corporate governance
lingkup internal Perseroan. Daftar responden terdiri implementation within the Company›s internal
dari 2 (dua) kalangan responden yakni responden scope. The list of respondents consists of 2
internal dan responden eksternal. (two) groups of respondents, namely internal
respondents and external respondents.
2. Kelengkapan Dokumen 2. Document Completeness
Adalah pemenuhan persyaratan penilaian dengan This is fulfilling the assessment requirements by
menyerahkan berbagai dokumen yang telah submitting various documents that the Company
dimiliki Perseroan dalam pelaksanaan governansi has in the implementation of corporate governance
korporat dan dokumen lainnya terkait dengan and other documents related to the assessment
tema penilaian. theme.
3. Penyusunan Makalah 3. Paper Preparation
Makalah disusun oleh Perseroan yang menjelaskan Paper prepared by the Company which explains a
serangkaian proses dan program implementasi series of processes and programs for implementing
governansi korporat dan upaya manajemen terkait corporate governance and management efforts
dengan tema penilaian. related to the assessment theme.
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4. Observasi 4. Observation
Observasi adalah tahapan akhir penilaian berupa Observation is the final stage of the assessment in
peninjauan langsung oleh tim penilaian CGPI the form of direct review by the CGPI assessment
untuk memastikan bahwa proses pelaksanaan team to ensure that the process of implementing
serangkaian program pelaksanaan governansi a series of corporate governance implementation
korporat dan upaya manajemen terkait dengan programs and management efforts is related to
tema penilaian. the assessment theme.
Hasil penilaian CGPI berupa rentang skor yang dicapai Results of the CGPI assessment are in the form
oleh Perseroan peserta dengan kategorisasi atas of a range of scores achieved by participating
tingkat kualitas implementasi Governansi Perusahaan companies with categorization of the quality level of
yang menggunakan istilah “Terpercaya”. implementation of corporate governance using the
term «Trusted».
“Cukup Terpercaya”
55,00 s/d 69,99% =
“Fairly Trusted”
“Terpercaya”
70,00 s/d 84,99% =
“Trusted”
“Sangat Terpercaya”
85,00 s/d 100% =
“Very Trusted”
Hasil Penilaian CGPI Pegadaian Tahun Pegadaian CGPI Assessment Results for
2023 2023
Penilaian CGPI tahun 2023 dilakukan pada bulan The 2023 CGPI assessment was fulfilled from August
Agustus s.d November 2023 dengan tema Membangun to November 2023 with the theme Building Corporate
Ketangkasan Perusahaan Dalam Kerangka GCG yang Agility within the GCG Framework, which was
diikuti oleh 37 perusahaan baik perusahaan BUMN attended by 37 companies, both state-owned and
maupun swasta yang terbagi dalam sejumlah sektor private companies, divided into a number of industrial
industri. Hasil penilaian CGPI Perseroan di tahun 2023, sectors. The results of the Company’s CGPI assessment
menunjukkan perolehan skor 88,42 dari skala 100,00 in 2023 show a score of 88.42 on a scale of 100.00 in
dengan kategori “Sangat Tepercaya”. Adapun rincian the “Very Trusted” category. Details of the assessment
hasil penilaian dapat dilihat pada tabel berikut: results can be seen in the following table:
Aspek dan Indikator Bobot Nilai Pegadaian
Aspect and Indicator Weight Pegadaian Score
Aspek Struktur Tata Kelola
35,41 29,29
Aspect of Governance Structure
Aspek Proses Tata Kelola
36,17 29,04
Aspect of Governance Process
Aspek Hasil Tata Kelola
28,42 30,09
Aspect of Governance Result
Nilai Akhir
100,00 88,42
Final Score
Terdapat beberapa rekomendasi dari IICG terhadap There are several recommendations from IICG on
pelaksanaan Governansi Perusahaan. Rekomendasi the implementation of Corporate Governance. These
tersebut menjadi bahan penyempurnaan yang recommendations become material for improvements
ditindaklanjuti implementasinya dalam penerapan tata which are followed up by implementation in the
kelola di Perseroan. implementation of governance in the Company.
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Tata Kelola Perusahaan
Corporate Governance
Rekomendasi Tindak Lanjut
No.
Recommendation Follow-up
I Struktur Tata Kelola
Governance Structure
1. Pegadaian perlu Pelaksanaan integrasi dan konsolidasi sistem GRC (Governance Risk Compliance) di grup
mengembangkan Perusahaan telah dilakukan dengan pelaksanaan Rapat Komite Tata Kelola Terintegrasi
struktur dan/atau (KTKT) antara Pegadaian dengan Perusahaan Induk. Pelibatan dari beberapa unit
fungsi khusus yang kerja antara lain Kepatuhan, Manajemen Risiko, Perencanaan Strategis, Manajemen
bertanggung jawab Kinerja Perusahaan dan Satuan Pengawasan Intern (SPI) telah aktif berkoordinasi dan
dalam melakukan bekerjasama dalam mengelola aspek-aspek governansi, manajemen risiko dan kepatuhan.
integrasi dan konsolidasi
sistem GRC (Governance Selain itu tidak hanya pelaksanaan rapat Komite Tata Kelola Terintegrasi (KTKT) yang
Risk Compliance) di telah menjadi praktek GRC Grup perusahaan itu sendiri, namun kami juga melakukan
grup Perusahaan. Rapat Risk Management Committee Terintegrasi (RMCT) dan program Audit terintegrasi
Pegadaian needs dengan Induk Perusahaan dalam bentuk Joint Audit.
to develop special
structure and/ The implementation of integration and consolidation of the GRC (Governance Risk
or function that Compliance) system in the Company group has been carried out by holding an Integrated
is responsible for Governance Committee Meeting (KTKT) between Pegadaian and the Parent Company.
integrating and The involvement of several work units, including Compliance, Risk Management,
consolidating the GRC Strategic Planning, Company Performance Management and the Internal Audit Unit
(Governance Risk (SPI), has actively coordinated and collaborated in managing aspects of governance, risk
Compliance) system in management and compliance.
the Company group.
Apart from that, not only does holding Integrated Governance Committee (KTKT)
meetings have become the company's own GRC Group practice, but we also conduct
Integrated Risk Management Committee Meetings (RMCT) and an integrated Audit
program with the Parent Company in the form of Joint Audit.
2. Pegadaian perlu Dalam menghadapi dinamika perubahan yang terjadi akibat munculnya tantangan
melakukan penyesuaian perusahaan, Pegadaian secara periodik selalu melakukan review dan evaluasi terhadap
kebijakan dan strategi kebijakan & strategi perusahaan. Agenda tersebut secara governance terbagi menjadi 2
perusahaan secara (dua) yakni:
berkala dan hati-hati
di setiap dinamika 1. Agenda penyusunan RKAP tahun depan yang mulai dilaksanakan di kuartal IV yang di
perubahan yang terjadi dalamnya memuat review dan evaluasi RKAP tahun sebelumnya.
dengan mengeksplorasi 2. Agenda review dan evaluasi RKAP tahun berjalan yang mulai dilaksanakan di semester
tantangan yang II tahun berjalan.
muncul, mengelola
kerentanan, beradaptasi Selanjutnya Tahun 2022 Divisi Kepatuhan telah melakukan : 400 pengujian kepatuhan
mengelola perubahan, dan 24 kajian analisis dan dampak atas regulasi yang berpengaruh terhadap Perusahaan
dan mengambil dan Divisi Manajemen Risiko Operasi dan Korporasi telah melakukan pengkinian
peluang dengan Pedoman Risk Appetite Statement dan Profil Risiko dimana tujuan dikinikan pedoman
mengoptimalkan potensi tersebut untuk mencegah atau mengurangi potensi kerugian, mendorong pertumbuhan
sehingga dapat meraih yang berkelanjutan (sustainability growth) dan mewujudkan tata kelola perusahaan yang
tujuannya berdasarkan baik (Good Corporate Governance) dan terakhir Divisi Manajemen Risiko membuat Buku
capaian terbaik. Profil Risiko Perusahaan setiap triwulanan.
Pegadaian needs
to adjust company In facing the dynamics of change that occur due to the emergence of company
policies and strategies challenges, Pegadaian periodically reviews and evaluates company policies & strategies.
periodically and The governance agenda is divided into 2 (two), namely:
carefully in every
dynamic change that 1. Agenda for preparing next year's RKAP which will begin to be implemented in the
occurs by exploring fourth quarter, which includes a review and evaluation of the previous year's RKAP.
challenges that arise, 2. Agenda for review and evaluation of the current year's RKAP which will begin to be
managing vulnerabilities, implemented in the second semester of the current year.
adapting to managing
change, and taking Furthermore, in 2022 the Compliance Division has carried out: 400 compliance tests
opportunities by and 24 analysis and impact studies on regulations that affect the Company and the
optimizing potential so Operations and Corporate Risk Management Division has updated the Risk Appetite
that it could achieve its Statement and Risk Profile Guidelines where the aim of updating these guidelines is to
goals based on the best prevent or reduce the potential losses, encouraging sustainable growth and realizing
achievements. good corporate governance and finally the Risk Management Division creates a Company
Risk Profile Book every quarter.
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No.
Recommendation Follow-up
II Proses Tata Kelola
Governance Process
1. Pegadaian perlu
mengoptimalkan
program pengembangan
kepemimpinan
di perusahaan
untuk memastikan
Perusahaan selalu melakukan program pengembangan kepemimpinan dan menyiapkan
ketersediaan calon
suksesi Direksi. Selain itu, Pegadaian Corporate University juga telah melakukan
pemimpin perusahaan
peningkatan kompetensi bagi para karyawan dengan dibuatkan kalender akademik
yang kompeten,
tahunan serta pelaksanaan training mandiri dengan nama program learning wallet
kompetitif, adaptif
dan lincah dalam
Selain itu, Perusahaan juga telah memetakan talenta Perusahaan diatur dalam kebijakan
menghadapi dinamika
pemetaan talenta perusahaan.
perubahan secara
berkelanjutan.
Company always conducts leadership development programs and prepares for the
Pegadaian needs to
succession of Directors. Apart from that, Pegadaian Corporate University has also
optimize leadership
increased competency for employees by creating annual academic calendar and
development programs
implementing independent training under the learning wallet program.
in the company to
ensure the availability
Apart from that, the Company has also mapped the Company's talents as regulated in
of potential company
the company's talent mapping policy.
leaders who are
competent, competitive,
adaptive and agile in
facing the dynamics of
change on an ongoing
basis.
2. Pegadaian perlu Dewan Komisaris sedang melakukan pengkinian terhadap BOC Charter
mengembangkan The Board of Commissioners is currently updating the BOC Charter
dan memutakhirkan
pedoman/piagam
terkait organ Pendukung
Dewan Komisaris
mengacu pada
perubahan regulasi yaitu
PERMEN BUMN Nomor
PER-06/MBU/04/2021
Tentang Perubahan Atas
PERMEN BUMN Nomor
PER-12/MBU/2012
Tentang Organ
Pendukung Dewan
Komisaris/Dewan
Pengawas Badan Usaha
Milik Negara
Pegadaian needs
to develop and
update guidelines/
charter related to the
supporting organs of the
Board of Commissioners
referring to changes
in regulations, namely
PERMEN BUMN No.
PER-06/MBU/04/2021
concerning Amendment
to PERMEN BUMN
No. PER-12/MBU/2012
concerning Supporting
Organs of the Board of
Commissioners/Board
Supervisor of State-
Owned Enterprises
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Tata Kelola Perusahaan
Corporate Governance
Rekomendasi Tindak Lanjut
No.
Recommendation Follow-up
3. Pegadaian dapat PT Pegadaian telah mengadopsi ISO 37301:2016 melalui Peraturan Direksi 67 Tahun 2022
mengoptimalkan Tentang Pedoman Penerapan Kepatuhan
sistem dan mekanisme PT Pegadaian has adopted ISO 37301:2016 through Regulation of the Board of Directors
pengelolaan 67 of 2022 concerning Compliance Implementation Guidelines.
kepatuhan dengan
mempertimbangkan
untuk melakukan adopsi
atau menerapkan ISO
37301:2021 tentang
Sistem Manajemen
Kepatuhan
Pegadaian could
optimize compliance
management system
and mechanism by
considering adopting
or implementing
ISO 37301:2021 on
the Compliance
Management System
4. Pegadaian dapat Pegadaian selalu berkomitmen untuk melakukan prinsip-prinsip tata kelola perusahaan
mempertimbangkan yang baik sebagaimana rujukan ISO 37000:2021 tentang Governansi Organisasi.
penerapan pedoman Penerapan governansi organisasi diantaranya melakukan sertifikasi beberapa ISO yang
ISO 37000:2021 tentang relevan dengan kepentingan Perusahaan antara lain melalui pelaksanaan sertifikasi ISO
Governansi Organisasi 37001:2016 Sistem Manajemen Anti Penyuapan.
(Governance of
Organization) Perusahaan telah memiliki struktur governance (governing body) yang baik melalui
Pegadaian may consider pembentukan kebijakan GCG Code, BOD Charter, BOC Charter serta Struktur Organisasi
implementing ISO dan Tata Kerja (SOTK) Perusahaan.
37000:2021 guidelines
on Organizational Dalam pelaksanaan manajemen perusahaan dilaksanakan beberapa fungsi:
Governance 1. Performance Management antara lain dengan membuat Rencana Jangka Panjang
Perusahaan (RJPP), Rencana Kinerja Anggaran Perusahaan (RKAP) dan Key
Performance Indicator (KPI) untuk mencapai Visi dan Misi Perusahaan.
2. Enterprise Risk Management (ERM) dengan menyusun Risk Appetite Statement (RAS)
untuk memonitor dan memitigasi progress pencapaian performance management.
3. Compliance Management guna memastikan kegiatan bisnis Perusahaan sesuai dengan
peraturan dan ketentuan yang berlaku.
Dalam pelaksanaan fungsi manajemen dilakukan monitoring dan pengawasan antara lain
melalui internal audit dan eksternal audit dimana perusahaan mendapatkan penilaian
audit "Satisfactory" dan "Wajar Tanpa Pengecualian (WTP)".
Pegadaian is always committed to implementing the principles of good corporate
governance as referenced in ISO 37000:2021 concerning Organizational Governance.
Implementation of organizational governance includes implementing several ISO
certifications that are relevant to the Company's interests, including through the
implementation of ISO 37001:2016on Anti-Bribery Management System certification.
The Company has good governance structure (governing body) through the
establishment of the GCG Code policy, BOD Charter, BOC Charter and the Company's
Organizational Structure and Work Procedures (SOTK).
In the implementation of company management, several functions are carried out:
1. Performance Management includes, among other things, creating a Company Long
Term Plan (RJPP), Company Budget Performance Plan (RKAP) and Key Performance
Indicators (KPI) to achieve the Company's Vision and Mission.
2. Enterprise Risk Management (ERM) by preparing a Risk Appetite Statement (RAS) to
monitor and mitigate progress in achieving performance management.
3. Compliance Management to ensure the Company's business activities comply with
applicable rules and regulations.
In the implementation of management functions, monitoring and supervision is carried
out, including through internal audit and external audit, where the company received an
audit assessment of "Satisfactory" and "Fair Without Exceptions (WTP)"
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5. Pegadaian perlu Pengawasan SPI dalam laporan keuangan yang mengimplementasikan ICOFR yaitu:
mengoptimalkan
penerapan manajemen Pegadaian telah memiliki kebijakan sistem pengendalian internal (tertuang dalam Perdir
risiko dan pengendalian nomor 168 Tahun 2020) yang mencakup 5 komponen, yaitu :
internal diantaranya 1. Pengawasan oleh manajemen dan pengembangan budaya sadar risiko
melalui implementasi 2. Identifikasi dan penilaian risiko
ICOFR (Internal 3. Kegiatan pengendalian risiko dan pemisahan fungsi
Control Over Financial 4. Sistem Akuntansi, informasi dan komunikasi
Reporting) yang 5. Kegiatan pemantauan dan tindakan koreksi penyimpangan
disesuaikan dengan
tujuan, sasaran dan Terkait pengendalian internal sebagaimana komponen nomor 4 di atas, dalam
strategi perusahaan implementasinya laporan keuangan disusun dan disajikan sesuai standar di Indonesia,
Pegadaian needs dimana perusahaan secara teknis telah mengeluarkan kebijakan pengendalian atas
to optimize the laporan keuangan melalui :
implementation of 1. Peraturan Direksi Nomor 96 Tahun 2019 Perubahan Kedua atas Peraturan Direksi
risk management Nomor 31/DIR-IV/2016 Tentang Pedoman Akuntansi, Jurnal Kegiatan Usaha Utama,
and internal control, Jurnal Kegiatan Pendukung Bisnis dan Kode Perkiraan Serta Prosedur Pelaporan
including through Keuangan Konsolidasian.
the implementation 2. Peraturan Direksi Nomor 136 Tahun 2020 tentang Pedoman Akuntansi Perusahaan
of ICOFR (Internal 3. Surat Edaran Nomor 133/SE/2022 Tentang Petunjuk Pelaksanaan Penyusunan Laporan
Control Over Financial Keuangan Kantor Wilayah
Reporting) which 4. Memberlakukan aplikasi SAP sebagaimana Perdir Nomor 29 Tahun 2018 tentang
is tailored to the Implementasi System Application and Process in Data Processing (SAP) yang
company's goals, mendukung sistem aplikasi berbasis online yang mendukung transaksi, laporan dan
objectives and strategy. juga terintegrasi dengan aplikasi perusahaan lainnya.
5. Perdir nomor 138 Tahun 2020 tentang Material Management (MM), Treasury and Loan
Management (TLM), Financial Accounting (FICO), Master Data & User Management
(MD-UM), Financial & Contract Accounting (FICA), Tax Module.
6. Secara berkala (bulanan) di review oleh BOD, BOC, dan Rapat Direksi Komisaris
7. Dilakukan audit Tahunan atas kewajaran penyajian laporan keuangan.
Guna mendukung komponen ke 4 Pengendalian Internal tersebut di atas, Pegadaian
merencanakan penerapan Internal Control Over Financial Reporting (ICOFR)
yang lebih terintegrasi. Untuk mempunyai ICOFR yang efektif perusahaan perlu
mengimplementasikan 3 (tiga) level control yaitu Entity Level Control (ELC), Process
Level Control (PLC) dan IT General Control (ITGC). Proses level controls terintegrasi
dalam proses bisnis perusahaan.
SPI supervision in financial statements that implement ICOFR are:
Pegadaian has internal control system policy (contained in Perdir No. 168 of 2020) which
includes 5 components, namely:
1. Supervision by management and development of a risk awareness culture
2. Risk identification and assessment
3. Risk control activities and separation of functions
4. Accounting, information and communication system
5. Monitoring activities and corrective actions for deviations
Regarding internal control as component at point 4 above, in its implementation financial
statements prepared and presented in accordance with Indonesian standards, where the
company has technically issued control policy over financial statements through:
1. Regulation of the Board of Directors No. 96 of 2019 Second Amendment to
Regulation of the Board of Directors No. 31/DIR-IV/2016 concerning Accounting
Guidelines, Main Business Activity Journal, Business Supporting Activity Journal and
Estimate Code and Consolidated Financial Reporting Procedures.
2. Regulation of the Board of Directors No. 136 of 2020 concerning Company
Accounting Guidelines
3. Circular Letter No. 133/SE/2022 concerning Implementation Instruction for Preparing
Regional Office Financial Statements
4. Implement the SAP application as per Perdir No. 29 of 2018 concerning
Implementation of System Application and Process in Data Processing (SAP) which
supports an online-based application system that supports transactions, reports and
is also integrated with other company applications.
5. Perdir No. 138 of 2020 concerning Material Management (MM), Treasury and Loan
Management (TLM), Financial Accounting (FICO), Master Data & User Management
(MD-UM), Financial & Contract Accounting (FICA), Tax Module.
6. Periodically (monthly) reviewed by the BOD, BOC, and Meetings of the Board of
Directors and the Board of Commissioners
7. Annual audit fulfilled on the fairness of the financial statements presentation
In order to support the 4th component of Internal Control mentioned above, Pegadaian
plans to implement a more integrated Internal Control Over Financial Reporting (ICOFR).
To have effective ICOFR, company need to implement 3 (three) levels of control, namely
Entity Level Control (ELC), Process Level Control (PLC) and IT General Control (ITGC).
Process level controls are integrated into the company's business processes.
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Tata Kelola Perusahaan
Corporate Governance
Rekomendasi Tindak Lanjut
No.
Recommendation Follow-up
6. Pegadaian perlu Pegadaian telah melakukan pengoptimalan penerapan budaya risiko yang berkolaborasi
mengoptimalkan dengan perusahaan induk, hal tersebut diantaranya yaitu
penerapan budaya
risiko yang menyeluruh 1. Koordinasi lintas unit kerja tentang konsep konten dan strategi implementasi budaya
dengan perusahaan risiko.
induk sehingga dapat 2. Identifikasi dan pemetaan Risk Control Self Assessment (RCSA) berikut dengan upaya
menjadi fondasi yang perbaikannya.
kuat untuk dapat 3. Mensinergikan implementasi budaya risiko di Pegadaian dengan induk BRI dalam
mengoptimalkan bentuk penerapan perilaku kunci BRIliaN Ways Pegadaian
potensi dan meraih 4. Berkoordinasi dengan unit kerja terkait pada Perusahaan Induk terkait dengan
kinerja yang bagus serta ketentuan dan program yang terkait dengan peningkatan budaya risiko pada
pertumbuhan bisnis Perusahaan Induk. Selain itu perusahaan juga telah melakukan serangkaian kegiatan
yang berkelanjutan. untuk meningkatkan risk awareness dan budaya risiko.
Pegadaian needs 5. Perusahaan juga telah melakukan Risk Maturity Index (RMI) Tahun 2022 dengan skor
to optimize the 3,42 (Managed) dengan skor untuk Risk Culture 3,43.
implementation of 6. Melakukan Rapat RMC, Dekom melalui Rapat Komite Pemantau Risiko (KPR), serta
comprehensive risk pada Perusahaan Induk melalui Rapat RMCT dan Rapat KTKT.
culture with the parent
company hence Pegadaian has optimized the implementation of risk culture in collaboration with the
it may become a parent company, including:
strong foundation for
optimizing potential 1. Coordination across work units regarding content concept and risk culture
and achieving good implementation strategy.
performance and 2. Identification and mapping of Risk Control Self Assessment (RCSA) along with
sustainable business improvement efforts.
growth 3. Synergize the implementation of risk culture at Pegadaian with parent BRI in the form
of implementing Pegadaian's BRIliaN Ways key behaviors
4. Coordinate with related work units in the Parent Company on provisions and
programs related to improving risk culture in the Parent Company. Apart from that,
company has also carried out a series of activities to increase risk awareness and risk
culture.
5. The Company has also implemented a Risk Maturity Index (RMI) for 2022 with a score
of 3.42 (Managed) with Risk Culture score of 3.43.
6. Conducting RMC, BOC meetings through Risk Monitoring Committee (KPR) meetings,
as well as at the Parent Company through RMCT meetings and KTKT meetings.
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Recommendation Follow-up
7. Pegadaian dapat Sampai dengan saat ini Whistleblowing System di Pegadaian belum mendapatkan
mengoptimalkan sertifikasi ISO 37002:2021 tentang Whistleblowing Management System (WMS).
sistem dan mekanisme Kebijakan WBS Pegadaian saat ini yaitu Perdir 26 Tahun 2018 tentang Pedoman Sistem
pelaporan dan Pelaporan Pelanggaran masih merujuk pada Pedoman Sistem Pelaporan pelanggaran
pelanggaran yang dibuat oleh Komite Nasional Kebijakan Governance (KNKG) dan saat ini dalam
(whistleblowing proses pengkinian. Kebijakan whistleblowing sistem yang berlaku di Pegadaian ini
system/WBS) dengan telah sesuai dengan prinsip-prinsip utama penerapan WMS ISO 37002:2021 yaitu trust,
mempertimbangkan impartiality dan protection.
untuk melakukan adopsi
atau menerapkan Selain hal tersebut, prasyarat dasar untuk implementasi WMS yang efektif juga sudah
standar ISO 37002:2021 diterapkan dan terus ditingkatkan di Pegadaian diantaranya dengan adanya sosialisasi
tentang Whistleblowing kebijakan WBS secara terus menerus dan implementasi program Budaya Anti Fraud
Management System melalui Instruksi Direksi No 20 Tahun 2022 tentang Program Ganyang Fraud yang
Pegadaian may bertujuan untuk:
optimize the system • Menunjukkan komitmen kuat dan tindakan kepemimpinan untuk mencegah dan
and mechanism for menangani pelanggaran;
reporting and violation • Mendorong orang untuk proaktif (lebih awal) dengan laporan tentang pelanggaran;
(whistleblowing • Mengurangi dan mencegah perlakuan merugikan bagi pelapor dan pihak lain yang
system/WBS) by terlibat dengan kebijakan yang jelas tentang perlindungan bagi pelapor;
considering adopting • Mendorong budaya keterbukaan, transparansi dan akuntabilitas.
or implementing
the ISO 37002:2021 Kegiatan operasional WBS saat ini secara umum juga sudah selaras dengan requirement
standard concerning dalam ISO 37002:2021 diantaranya:
Whistleblowing 1. Aspek support for WMS yaitu sudah dipenuhinya sumber daya yang kompeten dan
Management System. sarana prasarana untuk kegiatan WMS
2. Aspek operation yaitu sudah ada prosedur penerimaan pelaporan, proses penelaahan,
tindak lanjut, pelaporan dan dokumentasi yang jelas dan berdasarkan pada prinsip
kerahasian dan perlindungan pelapor.
Untuk kedepannya, terhadap implementasi sertifikasi Whistleblowing System
Management ISO 37002:2021 akan dilakukan kajian bersama dengan pihak terkait seperti
dari SPI, Kepatuhan maupun Manajemen Risiko.
Until now, the Whistleblowing System at Pegadaian has not received ISO 37002:2021
certification on the Whistleblowing Management System (WMS). Pegadaian's current
WBS policy, Perdir 26 of 2018 concerning Violation Reporting System Guidelines,
still refers to the Violation Reporting System Guidelines created by the National
Governance Policy Committee (KNKG) and is currently in the process of being updated.
The whistleblowing system policy that applies at Pegadaian is in accordance with the
main principles of implementing WMS ISO 37002:2021, namely trust, impartiality and
protection.
Apart from this, the basic prerequisites for effective implementation of WMS have also
been implemented and continue to be improved at Pegadaian, including the continuous
socialization of WBS policies and the implementation of the Anti-Fraud Culture program
through Instruction of the Board of Directors No. 20 of 2022 concerning the Eradicate
Fraud Program which aims to:
• Demonstrate strong commitment and leadership action to prevent and address
violations;
• Encourage people to be proactive (early) with reports of violations;
• Reduce and prevent detrimental treatment for whistleblowers and other parties
involved with clear policies regarding protection for whistleblowers;
• Encourage a culture of openness, transparency and accountability.
Current WBS operational activities are generally in line with the requirements in ISO
37002:2021, including:
1. Support aspect for WMS is competent resources and infrastructure which provided
for WMS activities
2. The operational aspect is that there are procedures for receiving reports, review
processes, follow-up, reporting and documentation that are clear and based on the
principles of confidentiality and protection of whistleblowers.
In the future, the implementation of ISO 37002:2021 Whistleblowing System Management
certification will be carried out jointly with related parties such as SPI, Compliance and
Risk Management.
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Tata Kelola Perusahaan
Corporate Governance
Rekomendasi Tindak Lanjut
No.
Recommendation Follow-up
8. Pegadaian perlu Telah dilakukan sertifikasi ISO 22301:2019 tentang Sistem Manajemen Keberlanjutan
mengoptimalkan Bisnis (Business Continuity Management) di bulan Agustus 2022.
mekanisme ISO 22301:2019 certification on the Business Continuity Management has been fulfilled in
keberlanjutan bisnis August 2022.
di perusahaan dengan
melakukan sertifikasi
sesuai dengan
standar SNI ISO
22301:2019 tentang
Sistem Manajemen
Keberlanjutan Bisnis
(Business Continuity
Management)
Pegadaian needs to
optimize business
continuity mechanism
in the company by
carrying out certification
in accordance with the
SNI ISO 22301:2019
standard concerning
Business Continuity
Management System
9. Pegadaian perlu Pegadaian telah memiliki sistem dan mekanisme manajemen pengelolaan pengetahuan,
mengoptimalkan antara lain:
sistem dan mekanisme
manajemen pengelolaan 1. Pembuatan kalender akademik
pengetahuan 2. Metode pembelajaran Learning Wallet
(knowledge 3. Pembelajaran melalui sistem I-Leads
management) secara 4. Kolaborasi dengan lembaga pelatihan seperti Studi Ilmu
berkelanjutan terhadap
seluruh pengetahuan, Pegadaian already has knowledge management system and mechanism, including:
keahlian, pembelajaran
yang dipetik dalam 1. Making academic calendar
menghadapi tantangan 2. Learning Wallet learning method
dan dinamika perubahan 3. Learning through the I-Leads system
sehingga efektif 4. Collaboration with training institutions such as Science Studies
dan mendukung
ketangguhan
perusahaan.
Pegadaian needs to
optimize knowledge
management system
and mechanism on an
ongoing basis for all
knowledge, expertise,
and lessons learned in
facing challenges and
dynamics of change so
that they are effective
and could support the
company's resilience.
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Rekomendasi Tindak Lanjut
No.
Recommendation Follow-up
III Hasil Tata Kelola
Governance Result
1. Dari kinerja keuangan Pegadaian selalu berkomitmen untuk melakukan pencapaian kinerja perusahaan dengan
Pegadaian diketahui prinsip kehati-hatian, beberapa hal yang dilakukan diantaranya yaitu:
bahwa Perusahaan
terkendala dengan 1. Strategic Envisioning Meeting, yakni top manajemen merumuskan arah dan tujuan di
adanya pandemi tahun 2023
Covid-19 yang 2. Pelaksanaan Rapat Koordinasi Bisnis (RAKORBIS) yakni top manajemen bersama
mempengaruhi seluruh seluruh deputi bisnis merumuskan program kerja akhir tahun (quick win) yang
sektor ekonomi dan dikomitmenkan untuk mencapai target tahun 2022
sosial, sehingga 3. Divisi Manajemen Risiko Operasi dan Korporasi secara aktif melakukan kajian terhadap
Pegadaian perlu kebijakan dan aktivitas/proses bisnis baru untuk memastikan Kebijakan, Pedoman dan
mengoptimalkan SOP yang berlaku pada Perusahaan.
pencapaian kinerja 4. Sebagai bagian dari upaya untuk memastikan ketercapaian target kinerja perusahaan,
perusahaan yang dilakukan pengukuran dan pemantauan risiko perusahaan secara bulanan, yang
tetap menjaga kemudian dilaporkan dalam Laporan Profil Risiko untuk disampaikan pada Direksi
prinsip kehati-hatian melalui Rapat RMC, Dekom melalui Rapat Komite Pemantau Risiko (KPR), serta pada
dalam membangun Perusahaan Induk melalui Rapat RMCT dan Rapat KTKT.
ketangguhan keuangan
dan non keuangan Pegadaian is always committed to achieving company performance with the principle of
agar tetap tumbuh prudence, some of the things it does include:
berkelanjutan
From Pegadaian's 1. Strategic Envisioning Meeting, where top management formulates direction and goals
financial performance, for 2023
it is known that 2. Implementation of the Business Coordination Meeting (RAKORBIS), namely top
the Company is management together with all business deputies formulating a year-end work
hampered by the program (quick win) which is committed to achieving the 2022 target
Covid-19 pandemic 3. The Operational and Corporate Risk Management Division actively reviews new
which has affected all policies and business activities/processes to ensure that the Policies, Guidelines and
economic and social SOPs apply to the Company.
sectors, so Pegadaian 4. As part of efforts to ensure the achievement of company performance targets,
needs to optimize company risk is measured and monitored on a monthly basis, which is then reported
the achievement of in the Risk Profile Report to be submitted to the Board of Directors through RMC
company performance Meeting, the Board of Commissioners through Risk Monitoring Committee (KPR)
while maintaining the Meeting, and to the Parent Company through the RMCT Meeting and KTKT Meeting.
principle of prudence
in building financial and
non-financial resilience
hence it continues to
grow sustainably
2. Pegadaian perlu Pegadaian selalu menumbuhkan budaya ketangguhan baik melalui program-program
menumbuhkan budaya campaign maupun pemberian ruang-ruang inovasi terbentuk. hal tersebut dilakukan
ketangguhan dengan dengan cara-cara yaitu:
kemampuan untuk
cepat beradaptasi dan 1. Memasukkan unsur budaya ketangguhan dan cepat beradaptasi kedalam perilaku
merespon perubahan kunci BRILiaN Ways Pegadaian
serta mengelola 2. Penyelenggaraan Program Pegadaian Excellence Award (PEA) dan Pegadaian
tantangan agar dapat Innovation Award (PIA) sebagai bentuk perwujudan nilai budaya KOMPETEN yang
menjadi peluang untuk mendukung budaya ketangguhan
bersaing. 3. Penyusunan serangkaian agenda/campaign untuk menumbuhkan budaya risiko agar
Pegadaian needs to Perusahaan selalu agile dalam beradaptasi dalam merespon perubahan serta dapat
foster a culture of mengelola tantangan.
resilience with the
ability to quickly adapt Pegadaian always fosters a culture of resilience, both through campaign programs and
and respond to changes providing spaces for innovation. This is done in the following ways:
and manage challenges
so that they could 1. Incorporate elements of culture of resilience and quick adaptation into the key
become opportunities behaviors of BRILiaN Ways Pegadaian
to compete. 2. Implementation of the Pegadaian Excellence Award (PEA) and Pegadaian Innovation
Award (PIA) programs as a form of embodiment of COMPETENT cultural values that
support a culture of resilience
3. Preparation of series of agendas/campaigns to foster risk culture so that the Company
is always agile in adapting in response to change and able to manage challenges.
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Tata Kelola Perusahaan
Corporate Governance
Rekomendasi Tindak Lanjut
No.
Recommendation Follow-up
Pegadaian perlu Pegadaian terus melakukan langkah pengembangan budaya AKHLAK antara lain:
mengembangkan
budaya nilai AKHLAK 1. Pelaksanaan program yang mendukung Internalisasi Budaya AKHLAK sesuai dengan
yang diselaraskan visi, misi Perusahaan
dengan visi, misi dan 2. Pelaksanaan Program Forum Peningkatan Kinerja pada seluruh unit kerja yang
DNA Perusahaan bertujuan untuk menyelaraskan visi, misi dan target kinerja bisnis perusahaan.
untuk mencapai tujuan
strategis yang telah Pegadaian continues to take steps to develop AKHLAK culture, including:
ditetapkan
Pegadaian needs to 1. Implementation of programs that support the Internalization of AKHLAK Culture in
develop a culture of accordance with the Company's vision and mission
AKHLAK values that are 2. Implementation of Performance Improvement Forum Program in all work units which
aligned with the vision, aims to align the company's vision, mission and business performance targets.
mission and DNA of the
Company to achieve
strategic goals that have
been set
Pegadaian perlu Dalam melakukan tindak lanjut atas penangan dan penyelesaian fraud perusahaan
mengembangkan tindak melakukan hal-hal sebagai berikut:
lanjut penanganan dan
penyelesaian tindakan 1. Penanganan
fraud yang dihadapi Langkah penanganan terhadap kasus fraud menyesuaikan dengan jenis kasus fraud
perusahaan yang sedang diproses, seperti dilakukan audit investigasi terhadap kasus fraud yang
Pegadaian needs to sedang dalam proses penanganan.
develop follow-up
actions to handle and 2. Penyelesaian
resolve fraud actions Langkah penyelesaian fraud yang dilakukan oleh SPI berupa penetapan sanksi
faced by the company terhadap pelaku dimana apabila tindakan fraud tersebut berdampak merugikan
Perusahaan dan tidak dapat diselesaikan akan dilaporkan kepada Aparat Penegak
Hukum, namun apabila kerugian Perusahaan akibat fraud dapat diselesaikan akan
dikenakan sanksi disiplin sampai dengan PHK
selain itu, Pegadaian juga melakukan program-program pencegahan fraud antara lain,
penambahan sarana pelaporan WBS melalui Whatsapp dan Lomba Poster WBS guna
peningkatan awareness Insan Pegadaian.
In carrying out follow-up actions for handling and resolving fraud, the company does the
following:
1. Handling
Steps for handling fraud cases are adjusted to the type of fraud case that is being
processed, such as carrying out investigative audit of fraud cases that are in the
process of being handled.
2. Completion
Steps to resolve fraud carried out by SPI are in the form of determining sanctions
against the perpetrators, where if the fraudulent act has a detrimental impact on the
Company and cannot be resolved, it will be reported to Law Enforcement Officials,
however, if the Company's losses due to fraud can be resolved, it will be subject to
disciplinary sanctions up to layoffs.
Apart from that, Pegadaian also carries out fraud prevention programs, including adding
WBS reporting facilities via WhatsApp and a WBS Poster Competition to increase
awareness of Pegadaian employees.
Pegadaian dapat Pegadaian dalam proses pengukuran Pencapaian Kinerja telah menerapkan pendekatan
mengembangkan 5 Pilar BUMN. Hal ini telah sesuai dengan Peraturan Menteri Badan Usaha Milik Negara
pengukuran pencapaian Republik Indonesia Nomor PER - 11/MBU/11/2020 Tentang Kontrak Manajemen dan
kinerja unggul Kontrak Manajemen Tahunan Direksi.
berdasarkan kriteria Pegadaian in the process of measuring Performance Achievement has implemented
Baldrige Performance the 5 Pillar approach of SOEs. This is in accordance with the Regulation of the Minister
Framework of State-Owned Enterprises of the Republic of Indonesia No. PER - 11/MBU/11/2020
Pegadaian could concerning Management Contract and Annual Management Contract for the Board of
develop measurements Directors.
of excellent performance
achievement based
on the Baldrige
Performance Framework
criteria
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Rekomendasi Tindak Lanjut
No.
Recommendation Follow-up
Pegadaian perlu Pegadaian telah menerapkan strategi untuk menjadikan Perusahaan bagian utama dalam
mengoptimalkan ekosistem digital diantaranya:
penerapan dari
kebijakan, strategi dan 1. Sejak 2018 Pegadaian mencetuskan Transformasi Digital Pegadaian yang mencakup
program peningkatan perubahan layanan yang tidak lagi hanya layanan offline namun juga layanan online
kapabilitas digital 2. Penggunaan PDS dan PSDS sebagai salah satu channel transaksi nasabah
perusahaan yang 3. Penggunaan Gwork sebagai salah satu sarana kerja
dapat mendukung 4. Merupakan pelopor di industri jasa keuangan yang mengikuti dan mendapatkan
pengembangan bisnis sertifikasi INDI 4.0 serta lanjut menjadi salah satu Perusahaan National Lighthouse di
yang efisien dan Indonesia
pertumbuhan bisnis
yang berkelanjutan, Sedangkan dalam meningkatkan kapabilitas digital Perusahaan, Pegadaian memiliki
serta menjadikan Akademi Bisnis Digital yang telah melaksanakan pelatihan-pelatihan peningkatan
perusahaan bagian pelatihan-pelatihan peningkatan kapabilitas digital karyawan diantaranya:
utama dalam ekosistem
digital 1. Tahun 2021: Pelatihan digital Capabilities, Digital Mindset, Digital Fundamental dan
Pegadaian needs Digital Execution
to optimize the 2. Tahun 2022: Inovasi metode pembelajaran melalui gamification (Pegadaian Games
implementation of Center) , pemenuhan Gap Competency Tl dan TO, Individual Learning Solutions
policies, strategies and berupa Learning Management System pada aplikasi iLeads
programs to increase 3. Tahun 2023: Pelatihan Digital Capability
the company's digital
capabilities that can Dari sisi pengembangan Human Capitalpengembangan kapabilitas digital karyawan
support efficient didukung dengan menjadikan kompetensi Digital Awareness sebagai salah satu
business development kompetensi wajib bagi karyawan yang dituangkan dalam Pedoman Direktori Kompetensi
and sustainable business 2.0 PT Pegadaian.
growth, as well as
making the company a Pegadaian has implemented a strategy to make the Company a major part of the digital
major part of the digital ecosystem, including:
ecosystem
1. Since 2018 Pegadaian initiated the Digital Transformation of Pegadaian which includes
changes to services that are no longer just offline services but also online services
2. Use of PDS and PSDS as a customer transaction channel
3. Using Gwork as a work tool
4. Is a pioneer in the financial services industry who participated in and received INDI
4.0 certification and continues to become one of the National Lighthouse Companies
in Indonesia
Meanwhile, in improving the Company's digital capabilities, Pegadaian has Digital
Business Academy which has carried out training to increase employee digital
capabilities, including:
1. 2021: Digital Capabilities, Digital Mindset, Digital Fundamentals and Digital Execution
training
2. 2022: Innovation in learning methods through gamification (Pegadaian Games
Center), fulfillment of the TL and TO Competency Gap, Individual Learning Solutions
in the form of Learning Management System in the iLeads application
3. 2023: Digital Capability Training
In terms of Human Capital development, the development of employee digital
capabilities is supported by making Digital Awareness competency one of the mandatory
competencies for employees as outlined in the PT Pegadaian 2.0 Competency Directory
Guidelines
PT Pegadaian | 2023 Annual Report 315
Page 316
Tata Kelola Perusahaan
Corporate Governance
Rekomendasi dan Tindak Lanjut CGPI 2023 untuk Tahun Buku 2022
CGPI Recommendations and Follow-up in 2023 for the 2022 Financial Year
Rekomendasi Tindak Lanjut
No.
Recommendation Follow-up
Struktur Tata Kelola
I
Governance Structure
Pegadaian perlu melakukan pemantauan dan evaluasi secara berkala terhadap kecukupan,
kelengkapan dan efektivitas struktur organisasi yang selaras dengan perwujudan strategi
perusahaan yang adaptif, kuat, tangkas dan efisien dalam mendukung pertumbuhan
Sedang
perusahaan yang berkelanjutan.
1. ditindaklanjuti
Pegadaian needs to conduct regular monitoring and evaluation of the adequacy,
Being followed up
completeness and effectiveness of the organizational structure which is in line with the
realization of company strategy that is adaptive, strong, agile and efficient in supporting
sustainable company growth.
Pegadaian perlu mengoptimalkan kompetensi SDM terutama untuk posisi kunci dalam
Sedang
struktur organisasi dengan sertifikasi berstandar nasional maupun internasional.
2. ditindaklanjuti
Pegadaian needs to optimize HR competencies, especially for key positions in the
Being followed up
organizational structure with national and international standard certification.
Pegadaian perlu melakukan sinkronisasi dan harmonisasi terhadap kebijakan dan pedoman-
pedoman internal perusahaan yang ditetapkan lebih dari 5 (lima) tahun agar selaras dengan
rencana strategis perusahaan serta sesuai dengan perubahan regulasi dan kondisi terkini. Sedang
3. Pegadaian needs to synchronize and harmonize the company's internal policies and ditindaklanjuti
guidelines that have been established for more than 5 (five) years so that they are in line Being followed up
with the company's strategic plan and in accordance with changes in regulations and current
conditions.
Proses Tata Kelola
II
Governance Process
Pegadaian dapat mengoptimalkan sistem dan mekanisme pelaporan dan pelanggaran
(whistleblowing system/WBS) dengan mempertimbangkan untuk melakukan adopsi atau
Sedang
menerapkan standar ISO 37002:2021 tentang Whistleblowing Management System.
1. ditindaklanjuti
Pegadaian could optimize the system and mechanism for reporting and violations
Being followed up
(whistleblowing system/WBS) by considering adopting or implementing the ISO 37002:2021
standard concerning Whistleblowing Management System.
Pegadaian perlu mengoptimalkan penguatan kualitas, kapasitas dan kapabilitas SDM
yang selalu siap beradaptasi secara cepat, akurat dan tepat dengan dinamika perubahan;
Sedang
bersemangat dan lincah; serta dilengkapi dengan sertifikasi kompetensi yang sesuai.
2. ditindaklanjuti
Pegadaian needs to optimize strengthening the quality, capacity and capability of human
Being followed up
resources who are always ready to adapt quickly, accurately and precisely to the dynamics of
change; passionate and lively; and equipped with appropriate competency certification.
Pegadaian dapat mengoptimalkan sistem dan mekanisme pengelolaan kepatuhan di
perusahaan dengan mempertimbangkan untuk melakukan adopsi atau menerapkan standar
Sedang
ISO 37301:2021 tentang Sistem Manajemen Kepatuhan.
3. ditindaklanjuti
Pegadaian could optimize compliance management system and mechanism in the company
Being followed up
by considering adopting or implementing the ISO 37301:2021 standard concerning
Compliance Management System.
Pegadaian perlu mengoptimalkan penerapan konsep ESG di perusahaan melalui
pengembangan green financing dalam penyaluran kredit dan pendanaan dalam rangka
Sedang
implementasi keuangan berkelanjutan.
4. ditindaklanjuti
Pegadaian needs to optimize the implementation of the ESG concept in the company
Being followed up
through the development of green financing in lending and funding in the context of
implementing sustainable finance.
Pegadaian perlu melakukan identifikasi dan pemetaan terhadap pemangku kepentingan
perusahaan diantaranya dengan mempertimbangkan adopsi dari kriteria AA1000SES
2015 (Stakeholders Engagement Standard) guna menjalankan pelibatan yang efektif dan
Sedang
mendorong penciptaan nilai yang berkelanjutan bagi pemangku kepentingan perusahaan.
5. ditindaklanjuti
Pegadaian needs to identify and map company stakeholders, including by considering the
Being followed up
adoption of the AA1000SES 2015 (Stakeholders Engagement Standard) criteria in order to
implement effective engagement and encourage sustainable value creation for company
stakeholders.
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Rekomendasi dan Tindak Lanjut CGPI 2023 untuk Tahun Buku 2022
CGPI Recommendations and Follow-up in 2023 for the 2022 Financial Year
Rekomendasi Tindak Lanjut
No.
Recommendation Follow-up
Pegadaian perlu mengembangkan struktur dan sistem terkait perlindungan dan
Sedang
pemberdayaan konsumen yang andal dan memberikan nilai tambah.
6. ditindaklanjuti
Pegadaian needs to develop structures and systems related to consumer protection and
Being followed up
empowerment that reliable and provide added value.
Pegadaian perlu menjaga keandalan dan tingkat keamanan terhadap data, network, sistem
dan teknologi informasi yang digunakan sehingga terbebas dari risiko peretasan dan
Sedang
penggunaan data oleh pihak-pihak yang tidak berkepentingan.
7. ditindaklanjuti
Pegadaian needs to maintain the reliability and security level for data, network, system
Being followed up
and information technology used to free from the risk of hacking and use of data by
unauthorized parties.
Hasil Tata kelola
III
Governance Result
Pegadaian perlu meningkatkan pertumbuhan nilai kepada para Pemegang Saham melalui
Sedang
peningkatan dividen secara konsisten dan proporsional bagi seluruh Pemegang Saham.
1. ditindaklanjuti
Pegadaian needs to increase value growth for Shareholders through consistent and
Being followed up
proportional dividend increases for all Shareholders.
Pegadaian perlu menumbuhkan budaya ketangkasan untuk menciptakan pertumbuhan yang
sehat serta mengutamakan kehati-hatian dengan mitigasi yang kuat terhadap fase pemulihan
Sedang
ekonomi nasional di tengah pengaruh geopolitik global.
2. ditindaklanjuti
Pegadaian needs to foster a culture of agility to create healthy growth and prioritize
Being followed up
prudence with strong mitigation for the national economic recovery phase amidst global
geopolitical influences.
Pegadaian perlu melakukan penanganan secara baik atas seluruh perkara hukum yang
sedang dihadapi dan mengupayakan mitigasi risiko yang optimal atas gugatan-gugatan
Sedang
hukum, serta mencegah terjadinya kembali perkara hukum Perusahaan.
3. ditindaklanjuti
Pegadaian needs to properly handle all legal cases currently being faced and strive for
Being followed up
optimal risk mitigation for legal claims, as well as preventing the Company's legal cases from
recurring.
Pegadaian perlu mengoptimalkan budaya risiko yang kuat dalam beradaptasi secara cepat,
akurat dan tepat dengan dinamika perubahan dan tingginya transformasi pemanfaatan
Sedang
teknologi informasi di perusahaan.
4. ditindaklanjuti
Pegadaian needs to optimize a strong risk culture in adapting quickly, accurately and
Being followed up
precisely to the dynamics of change and the high level of transformation in the use of
information technology in the company.
Pegadaian perlu mengoptimalkan peningkatan kapasitas dan kapabilitas digital perusahaan
yang dapat mendukung pengembangan bisnis yang efisien dan pertumbuhan bisnis yang
berkelanjutan, serta meningkatkan peran perusahaan dalam ekosistem keuangan digital serta
Sedang
ekosistem dunia usaha dan industri.
5. ditindaklanjuti
Pegadaian needs to optimize the increase in the company's digital capacity and capabilities
Being followed up
which can support efficient business development and sustainable business growth, as well
as increasing the company's role in the digital financial ecosystem as well as business and
industrial world ecosystem.
PT Pegadaian | 2023 Annual Report 317
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Tata Kelola Perusahaan Corporate Governance Struktur dan Organ Governansi Korporat Structure and Organs of Corporate Governance Pemegang Saham dan Rapat Umum Shareholders and General Meeting of Pemegang Saham (RUPS) Shareholders (GMS) Pemegang Saham dan Informasi tentang Shareholders and Information About Pemegang Saham Utama/Pengendali Major/ Controlling Shareholders Saham adalah satuan nilai atau pembukuan dalam Shares are units of value or records in various financial berbagai instrumen finansial yang mengacu pada instruments that refer to the share ownership of the bagian kepemilikan dari Perseroan. Undang-Undang Company. Law No. 40 of 2007 concerning Limited No. 40 Tahun 2007 tentang Perseroan Terbatas telah Liability Companies has provided a clear definition memberikan definisi yang jelas terkait peran, fungsi, regarding the roles, functions, rights, and obligations hak dan kewajiban dari pemegang saham sebagai of shareholders as parties who are part of the pihak yang menjadi bagian dari kepemilikan Perseroan, Company ownership, where regulated through the dimana hal ini diatur melalui Rapat Umum Pemegang General Meeting of Shareholders (GMS). Saham (RUPS). Sebagai salah satu organ Perseroan, RUPS memiliki As one of the Company’s organs, the GMS has a central fungsi sentral dalam mengambil keputusan strategis. function in making strategic decisions. Through the Melalui forum RUPS, Pemegang Saham dapat GMS, Shareholders can exercise their rights to create menyalurkan haknya untuk menciptakan nilai optimal optimal value for the Company, where these rights bagi Perseroan, dimana hak tersebut berlaku secara apply fairly and proportionally based on the principle adil dan proporsional berdasarkan prinsip one share, of one share, one vote. one vote. Berdasarkan Peraturan Pemerintah (PP) No. 73 According to Government Regulation (PP) No. 73 Tahun 2021 tentang Penambahan Penyertaan Modal of 2021 concerning the addition of the Republic Negara Republik Indonesia ke dalam Modal Saham of Indonesia’s Equity Participation into the Share Perusahaan Perseroan (Persero) PT Bank Rakyat Capital of PT Bank Rakyat Indonesia (Persero) Tbk, Indonesia Tbk, Negara Republik Indonesia melalui the Republic of Indonesia through the Government Pemerintah melakukan penambahan penyertaan made additional state capital participation to BRI modal negara kepada BRI melalui inbreng atau through inbreng or transfer of 6,249,999 Pegadaian pengalihan 6.249.999 saham Seri B Pegadaian yang Series B shares owned by Republic of Indonesia. This dimiliki Negara Republik Indonesia. Perubahan ini change had an impact on the ownership structure, in berdampak terhadap struktur kepemilikan, di mana which BRI became the main/ controlling shareholder BRI menjadi pemegang saham utama/pengendali of the Company with 99.99998% Series B shares or Perseroan dengan kepemilikan saham Seri B sebesar 6,249,999 shares. Meanwhile, the Government of the 99,99998% atau sebanyak 6.249.999 lembar saham. Republic of Indonesia is the ultimate owner of the Sementara Pemerintah Republik Indonesia merupakan Company with Series A Dwiwarna share ownership of entitas pemilik akhir Perseroan dengan kepemilikan 0.00002%. saham Seri A Dwiwarna sebesar 0,00002%. 318 Laporan Tahunan 2023 | PT Pegadaian
Page 319
Pemegang Saham Pegadaian (Hingga Entitas Pemilik Akhir) per 31 Desember 2022
Pegadaian’s Shareholders (Up to the Ultimate Owner Entity) as of December 31, 2023
Pemerintah Republik Indonesia Publik (masing-masing kepemilikan di bawah 5%)
The Government of Republic of Indonesia Public (each ownership is under 5%)
56,75% 43,25%
PT Bank Rakyat Indonesia (Persero) Tbk
0,00002% 99,99998%
(1 lembar Saham Seri A Dwiwarna) (6.249.999 lembar Saham Seri B Biasa)
(1 Share of Series A Dwiwarna) (6,249,999 Shares of Series B)
Entitas Pemilik Akhir/Pengendali Akhir Pemegang Saham Utama
Ultimate Owner Entity Main Controlling Shareholders (Parent Entity)
Sesuai dengan Peraturan Pemerintah No. 41 Tahun According to Government Regulation no. 41 of
2003 tentang Pelimpahan Kedudukan, Tugas dan 2003 concerning Delegation of Position, Duties,
Kewenangan Menteri Keuangan pada Perusahaan and Authorities of the Minister of Finance in Limited
Persero (Persero), Perusahaan Umum (PERUM) dan Liability Companies (Persero), Public Companies
Perusahaan Jawatan (PERJAN) kepada Menteri (PERUM), and Service Companies (PERJAN) to the
Negara Badan Usaha Milik Negara; maka Kuasa Entitas Minister of State for StateOwned Enterprises; then the
Pemilik Akhir Perseroan adalah Kementerian Badan Proxy of the Company’s Parent Entity is the Ministry of
Usaha Milik Negara (BUMN). State-Owned Enterprises (SOEs).
PT Pegadaian | 2023 Annual Report 319
Page 320
Tata Kelola Perusahaan
Corporate Governance
Rapat Umum Pemegang Saham
General Meeting of Shareholders
RUPS mempunyai wewenang untuk mengangkat The GMS has the authority to appointed and dismissed
dan memberhentikan anggota Dewan Komisaris dan members of the Board of Commissioners and Board
Direksi, mengevaluasi kinerja Dewan Komisaris dan of Directors, evaluate the performance of the Board
Direksi, mengesahkan perubahan Anggaran Dasar, of Commissioners and Board of Directors, approve
memberikan persetujuan atas laporan tahunan, amendments to the Articles of Association, provide
menetapkan alokasi penggunaan laba, menunjuk approval for annual reports, determine the allocation
akuntan publik, dan menetapkan jumlah dan jenis of profits, appointed a public accountant, and
kompensasi Dewan Komisaris dan Direksi. determined the amount and type of compensation for
the Board of Commissioners and Board of Directors.
RUPS, Dewan Komisaris dan Direksi saling menghormati The GMS, the Board of Commissioners, and the
tugas, tanggung jawab dan wewenang masing- Board of Directors respect each other’s duties,
masing sesuai Peraturan Perundang- undangan dan responsibilities, and authorities in accordance with
Anggaran Dasar. Dasar kepatuhan penyelenggaraan the Laws and the Articles of Association. Compliance
RUPS Ketentuan yang mengatur tentang mekanisme Basis of the GMS Implementation the provisions that
penyelenggaraan RUPS adalah Undang-undang No. regulated the mechanism for holding a GMS are Law
19 Tahun 2003 tentang Badan Usaha Milik Negara No. 19 of 2003 concerning State Owned Enterprises
khususnya pasal 14, Undang-undang No. 40 Tahun in particular article 14, Law no. 40 of 2007 concerning
2007 tentang Perseroan Terbatas, pasal 13-14 dan Limited Liability Companies, articles 13-14 and
Anggaran Dasar Pegadaian pasal 20-28. Sesuai Pegadaian’s Articles of Association articles 20-28.
dengan Anggaran Dasar Perseroan Pasal 20, RUPS According to Article 20 of the Company’s Articles of
terdiri dari RUPS Tahunan dan RUPS Lainnya. Association, the GMS consists of the Annual GMS and
Other GMS.
Jenis-jenis Pelaksanaan RUPS
GMS Implementation Type
RUPS Tahunan RUPS Lainnya
Annual GMS Other GMS
Yang diadakan untuk membahas laporan
Yang dapat diadakan sewaktu-waktu
tahunan dan perhitungan tahunan Jenis-jenis jika dipandang perlu oleh Direksi,
Perseroan dan dilaksanakan paling lambat Pelaksanaan Dewan Komisaris atau Pemegang Saham
6 (enam) bulan setelah penutupan tahun
buku. RUPS Tahunan juga berfungsi untuk RUPS untuk menetapkan hal-hal yang tidak
GMS dilakukan dalam RUPS Tahunan.
menyetujui RKAP yang diadakan paling
Can be held at any time if deemed
lambat 30 hari setelah tahun anggaran Implementation
necessary by the Board of Directors,
berjalan. Type Board of Commissioners, or Shareholders
Held to discuss the annual report and
to determine matters that are not carried
annual calculations of the Company and
out at the Annual GMS.
carried out no later than 6 (six) months
after the closing of the financial year.
Annual GMS also
serves to approve the Work and Budget
Plan which is held no later than 30 days
after the current budget year.
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Di dalam Piagam Tata Kelola Perusahaan yang Baik In the Good Corporate Governance Charter (GCG
(GCG Code), RUPS antara lain berbentuk Code), the GMS exists in the form of:
1. RUPS Tahunan, dengan hal-hal yang dibahas dalam 1. Annual GMS, with subjects discussed at the Annual
RUPS Tahunan antara lain: GMS including:
a. RUPS mengenai persetujuan Laporan Tahunan; a. GMS on the approval of the Annual Report;
b. RUPS mengenai persetujuan Rencana Kerja b. GMS on the approval of the Company’s Work
dan Anggaran Perusahaan; Plan and Budget;
c. RUPS mengenai persetujuan Laporan Program c. GMS on the approval of the Partnership and
Kemitraan dan Bina Lingkungan; Community Development Program Report;
d. RUPS mengenai Penunjukan Kantor Akuntan d. GMS on the Appointment of Public Accounting
Publik. Firm.
2. RUPS Luar Biasa, yang diadakan setiap waktu 2. Extraordinary GMS, which is held at any time based
berdasarkan kebutuhan untuk kepentingan on needs for the interests of the Company;
Perusahaan;
3. RUPS untuk memutuskan Penggunaan Laba. 3. GMS to decide on the use of profits.
Baik RUPS Tahunan dan RUPS Lainnya memiliki Both the Annual GMS and Other GMS have the highest
wewenang tertinggi dalam struktur governansi authority in the corporate governance structure and
korporat sekaligus merupakan forum utama bagi are the main forum for Shareholders to exercise their
Pemegang Saham untuk menggunakan hak dan rights and authority over the Company’s Management.
wewenangnya terhadap Manajemen Perseroan.
Hak, Wewenang, dan Tanggung Rights, Authorities and
Jawab Pemegang Saham dalam RUPS Responsibilities of Shareholders at
the GMS
Pemerintah Republik Indonesia sebagai pemegang The Government of the Republic of Indonesia as the
saham utama/pengendali memiliki keistimewaan main/controlling shareholder has the privileges with
dengan hak sebagai berikut: the following rights:
1. Menghadiri dan memberikan suara dalam suatu 1. Attend and vote at a GMS, provided that one share
RUPS,dengan ketentuan satu saham memberi hak entitles the holder to cast one vote
kepada pemegangnya untuk mengeluarkan satu
suara.
2. Memperoleh informasi material mengenai 2. Obtain material information about the Company in
Perseroan secara tepat waktu, terukur dan teratur. a timely, measurable, and regular manner
3. Menerima pembagian keuntungan dari Perseroan 3. Receiving profit sharing from the Company
yang diperuntukan bagi Pemegang Saham dalam which is intended for Shareholders in the form of
bentuk dividen dan sisa kekayaan hasil likuidasi dividends and the remaining assets resulting from
sebanding dengan jumlah saham yang dimilikinya. liquidation in proportion to the number of shares
owned
4. Khusus Pemegang Saham Seri A Dwiwarna berhak 4. Specifically, the Series A Dwiwarna shareholder
meminta dan mengakses data serta dokumen has the right to request and access Company data
Perseroan. and documents
5. Hak-hak lainnya yang diatur dalam Anggaran Dasar 5. Other rights regulated in the Articles of Association
dan peraturan perundang-undangan yang berlaku. and the prevailing laws and regulations.
Pemegang Saham Seri A Dwiwarna mempunyai hak Series A Dwiwarna Shareholder have special rights
khusus yang tidak dimiliki oleh Pemegang Saham Seri that Series B Shareholder do not have, namely:
B, yaitu hak untuk melakukan:
a. Perubahan Anggaran Dasar; a. Changes to the Articles of Association;
b. Perubahan Modal; b. Capital Changes;
c. Pengangkatan dan pemberhentian anggota Direksi c. Appointment and dismissal of members of the
dan Dewan Komisaris; Board of Directors and Board of Commissioners;
d. Persetujuan terkait penggabungan, peleburan, d. Approval regarding merger, consolidation,
pengambilalihan, pemisahan dan pembubaran; takeover, separation and dissolution;
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Tata Kelola Perusahaan
Corporate Governance
e. Permintaan dan pengaksesan data informasi dan e. Request and access Company information data
dokumen Perusahaan termasuk namun tidak and documents, including but not limited to
terbatas dalam rangka pelaksanaan kegiatan tata implementing integrated governance activities
kelola terintegrasi sesuai dengan ketentuan dan in accordance with applicable regulations and
perundang-undangan yang berlaku; legislation;
f. Persetujuan remunerasi anggota Direksi dan f. Approval of remuneration for members of the
Dewan Komisaris; Board of Directors and Board of Commissioners;
g. Persetujuan pemindahtanganan aset yang g. Approval of the transfer of assets based on the
berdasarkan Anggaran Dasar perlu persetujuan Articles of Association requires GMS approval;
RUPS;
h. Persetujuan mengenai penyertaan dan h. Approval regarding participation and reduction
pengurangan prosentase penyertaan modal pada in the percentage of capital participation in
Perusahaan lain yang berdasarkan Anggaran Dasar other Companies which, based on the Articles
perlu persetujuan RUPS; of Association, requires approval from the GMS;
i. Persetujuan rencana penggunaan laba; i. Approval of plans for using profits;
j. Persetujuan mengenai investasi dan pembiayaan j. Approval regarding investment and long-term
jangka panjang berdasarkan Anggaran Dasar perlu financing based on the Articles of Association
persetujuan RUPS; requires GMS approval;
k. Pengusulan mata acara RUPS; k. Proposing GMS agenda items;
l. Pengusulan calon anggota Direksi dan calon l. Proposing candidates for members of the
anggota Dewan Komisaris; Board of Directors and candidates for members
of the Board of Commissioners;
m. Penetapan dan persetujuan Rencana Kerja Jangka m. Determination and approval of the Short Term
Pendek (RKAP), Rencana Jangka Menengah Work Plan (RKAP), Medium Term Plan (BIsnis
(Rencana BIsnis) dan Rencana Jangka Panjang Plan) and Long Term Plan (Corporate Plan)
(Corporate Plan) berikut Key Performance including Key Performance Indicators (KPI)
Indicator (KPI) serta Kontrak Manajemen; and Management Contract;
n. Persetujuan Program Kemitraan dan Bina n. Approval of the Partnership and Community
Lingkungan; Development Program;
Kewenangan RUPS antara lain: The authorities of the GMS are among others:
1. Mengangkat dan memberhentikan Anggota 1. Appoint and dismiss members of the Company’s
Dewan Komisaris dan Direksi Perseroan, termasuk Board of Commissioners and Board of Directors,
menetapkan Komisaris Independen sesuai including appointing Independent Commissioners
ketentuan yang berlaku. Keputusan RUPS tersebut according to prevailing regulations. The resolution
harus disetujui Pemegang Saham Seri A Dwiwarna. of the GMS must be approved by the Series A
Dwiwarna shareholder.
2. Menetapkan Indikator Pencapaian Kinerja (Key 2. Establish the Board of Commissioners’
Performance Indicators) Dewan Komisaris Key Performance Indicators based on the
berdasarkan usulan dari Dewan Komisaris. recommendations of the Board of Commissioners.
3. Menetapkan pembagian tugas dan wewenang 3. Determine the distribution of duties and authorities
setiap Anggota Direksi. Dalam hal RUPS tidak for each member of the Board of Directors. In the
menetapkan pembagian tugas dan wewenang event that the GMS does not stipulate the division
maka pembagian tugas dan wewenang di antara of tasks and authorities, then the distribution
Direksi ditetapkan berdasarkan keputusan Rapat of duties and authorities among the Board of
Direksi. Directors is determined based on the decision of
the Board of Directors’ Meeting.
4. Menyetujui dan mengesahkan perhitungan 4. Approve and ratify the annual calculations
tahunan yang terdiri neraca dan perhitungan laba consisting of balance sheets and profit and
rugi, laporan tahunan mengenai keadaan dan loss calculations, annual reports regarding the
jalannya Perseroan. condition and operation of the Company.
5. Menetapkan gaji dan tunjangan Dewan Komisaris 5. Determine the salaries and benefits of the Board
dan Direksi dan Keputusan RUPS tersebut harus of Commissioners and the Board of Directors and
disetujui pemegang saham Seri A Dwiwarna. the resolution of the GMS must be approved by
Kewenangan RUPS atas penetapan gaji dan the Series A Dwiwarna shareholder. The authority
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tunjangan bagi Direksi dapat dilimpahkan kepada of the GMS over the determination of salaries
Dewan Komisaris dengan penetapan berdasarkan and benefits for the Board of Directors can be
keputusan Rapat Dewan Komisaris. Atas penetapan delegated to the Board of Commissioners with a
ini Dewan Komisaris melaporkan hasilnya kepada determination based on the decision of the Board
RUPS. of Commissioners’ meeting. On this determination,
the Board of Commissioners reports the results to
the GMS.
6. Menetapkan penggunaan laba dan keputusan 6. Determine the use of profits and the decision of the
RUPS tersebut harus disetujui oleh pemegang GMS must be approved by the Series A Dwiwarna
saham Seri A Dwiwarna. shareholder.
7. Menetapkan Kantor Akuntan Publik. 7. Appoint a Public Accounting Firm.
Ketentuan Penyelenggaraan RUPS Provisions for the GMS
Implementation
RUPS diselenggarakan sesuai dengan kepentingan The GMS is held according to the interests of the
Perseroan dan dengan memperhatikan Anggaran Company and with considering the Articles of
Dasar dan peraturan perundang-perundang, serta Association and laws and regulations, as well as with
dengan persiapan yang memadai, sehingga dapat adequate preparation, so as to make legal, fair, and
mengambil keputusan yang sah, wajar dan transparan transparent decisions by considering matters needed
dengan memperhatikan hal-hal yang diperlukan untuk to maintained the Company’s business interests in the
menjaga kepentingan usaha Perseroan dalam jangka long term, including :
panjang, meliputi:
1. Semua RUPS diadakan di tempat kedudukan 1. All GMS are held at the domicile of the Company
Perseroan atau di tempat Perseroan melakukan or where the Company conducts its main business
kegiatan usahanya yang utama yang terletak di activities which are located in the territory of the
wilayah Negara Republik Indonesia. Republic of Indonesia
2. Penyelenggara RUPS merupakan tanggung jawab 2. The organizer of the GMS is the responsibility of
Direksi. Dalam hal Direksi berhalangan, maka the Board of Directors. In the event that the Board
penyelenggaraan RUPS dilakukan oleh Dewan of Directors is absent, the GMS is held by the Board
Komisaris atau Pemegang Saham sesuai dengan of Commissioners or Shareholders in accordance
peraturan perundang-undangan dan Anggaran with laws and regulations and the Company’s
Dasar Perseroan. Articles of Association.
Mekanisme penyelenggaraan RUPS sejak pemberitahuan Mechanism of organizing the GMS from the notification
hingga dipublikasikannya risalah Sebelum RUPS to the publication of the minutes Before the GMS is
dilaksanakan, Direksi wajib melakukan pemanggilan convened, the Board of Directors is required to call for the
RUPS dalam waktu paling lambat 15 (lima belas) hari, GMS within 15 (fifteen) days at the latest, starting from
terhitung sejak permintaan penyelenggaraan RUPS the receipt of the request for the holding of the GMS.
diterima. Jika Direksi tidak melakukan pemanggilan If the Board of Directors does not make the summons,
tersebut maka, permintaan penyelenggaraan RUPS then the request for holding a GMS for shareholders is
untuk pemegang saham diajukan kembali kepada Dewan re-submitted to the Board of Commissioners or makes
Komisaris atau melakukan pemanggilan sendiri RUPS. an announcement for the GMS itself. The Board of
Dewan Komisaris wajib melakukan pemanggilan RUPS Commissioners is required to announce a GMS within 15
dalam waktu paling lambat 15 (lima belas) hari, terhitung (fifteen) days at the latest, starting from the receipt of
sejak permintaan penyelenggaraan RUPS diterima. the request for holding a GMS.
Penyelenggaraan RUPS Tahun 2023 Implementation of the 2023 GMS
Sepanjang tahun 2023, Perseroan mengadakan 2 kali Throughout 2023, the Company held 2 (two) GMS,
RUPS, yaitu: namely:
1. RUPS Pengesahan Rencana Kerja dan Anggaran 1. GMS for the Approval of the Company’s Work Plan
Perusahaan (RKAP); and Budget (RKAP)
2. RUPS Persetujuan laporan Tahunan dan 2. GMS for the Approval of the Annual Report and
Pengesahan Laporan Keuangan Perseroan tahun Ratification of the Company’s Financial Statements
Buku 2022. for the 2022 Financial Year.
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Tata Kelola Perusahaan
Corporate Governance
Rincian dari masing-masing pelaksanaan RUPS Details of each GMS implementation throughout 2023
sepanjang tahun 2023 diuraikan sebagai berikut: are described as follows:
RUPS Pengesahan Rencana Kerja dan GMS for the Approval of the Company’s
Anggaran Perusahaan (RKAP) Tahun 2023 Work Plan and Budget (RKAP)
Hari/Tanggal Selasa, 18 April 2023
Day/Date Tuesday, April 18, 2023
Waktu
Time 14.00 s.d 15.00 WIB
Tempat
Venue Ruang Amanah, Gedung Kementerian BUMN Lantai 6
Hasil Keputusan RUPS telah dituangkan dalam Risalah Results of the GMS resolutions have been stated in
RUPS No 498/00013.00/2023 tentang Pengesahan the Minutes of the GMS No. 498/00013.00/2023
Rencana Kerja dan Anggaran Perusahaan (RKAP) concerning Ratification of the Company’s Work Plan
Tahun 2023. Seluruh keputusan dalam RUPS dilakukan and Budget (RKAP) for 2023. All decisions in the GMS
dengan musyawarah mufakat. Adapun hasil keputusan were carried out by deliberation and consensus. Results
RUPS serta pelaksanaannya dan tindak lanjutnya oleh of the GMS resolutions as well as their implementation
Manajemen Perseroan hingga akhir tahun 2023 adalah and follow-up by the Company’s Management until
sebagai berikut: the end of 2023 are as follows:
Mata Acara Rapat dan Keputusannya serta Tindak Lanjut atas Hasil Keputusan Rapat
Meeting Agenda and Its Resolution as well as the Follow-up to the Result of Resolution of the Meeting
Pengesahan Rencana Kerja dan Anggaran Program Tanggung Jawab Sosial dan
Agenda Mata Acara 1: Lingkungan (RKA TJSL) Perseroan Tahun 2022.
1st Meeting Agenda: Ratification of the Company's 2022 Work Plan and Budget for the Company's Social and
Environmental Responsibility Program (RKA TJSL).
Mengesahkan Rencana Kerja dan Anggaran Program Tanggung Jawab Sosial dan
Keputusan Mata Acara 1:
Lingkungan (RKA TJSL) Perseroan Tahun 2022 sebesar Rp135.428.000.000.
1st Meeting Agenda
Resolution: Approved the Company's 2022 Social and Environmental Responsibility Program (RKA
TJSL) Work Plan and Budget of Rp135,428,000,000.
Tindak Lanjut atas Hasil Unit Kerja TJSL selanjutnya melaksanakan program kerja non PUMK dan program kerja
Keputusan di Tahun 2023: PUMK sesuai dengan RKA TJSL tahun 2022.
Follow-up on Resolution The TJSL Work Unit then implemented non-PUMK work programs and PUMK work
Result until the End of 2023: programs in accordance with the 2022 TJSL RKA.
Penetapan Key Performance Indicators (KPI) yang tertuang dalam Kontrak Manajemen
Tahun 2022 antara Direksi dan Dewan Komisaris Perseroan dengan Pemegang Saham
Agenda Mata Acara 2: Perseroan.
2nd Meeting Agenda: Determination of Key Performance Indicators (KPI) as stated in the 2022 Management
Contract between the Company's Board of Directors and Board of Commissioners and the
Company's Shareholders.
Menetapkan Key Performance Indicator (KPI) yang tertuang dalam Kontrak Manajemen
Tahun 2022 antara Direksi dan Dewan Komisaris Perseroan dengan Pemegang Saham
Keputusan Mata Acara 2:
Perseroan.
2nd Meeting Agenda
Resolution: Determine the Key Performance Indicators (KPI) contained in the 2022 Management
Contract between the Company's Board of Directors and Board of Commissioners and the
Company's Shareholders.
Tindak Lanjut atas Hasil Seluruh jajaran Direksi memimpin dan memastikan seluruh inisiatif strategis tahun 2022
Keputusan di Tahun 2023: terlaksana sebagai upaya perseroan untuk mencapai KPI 2022.
Follow-up on Resolution The entire Board of Directors leads and ensures that all strategic initiatives in 2022 were
Result until the End of 2023: implemented as the company's efforts to achieve the 2022 KPI.
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Pengesahan Rencana Kerja dan Anggaran Dewan Komisaris dan Penetapan Usulan Key
Performance Indicators (KPI) yang tertuang dalam Kontrak Manajemen Tahun 2022 antara
Agenda Mata Acara 3: Dewan Komisaris Perseroan dengan Pemegang Saham Perseroan.
3rd Meeting Agenda: Ratification of the Board of Commissioners' Work Plan and Budget and Determination of
Proposed Key Performance Indicators (KPI) contained in the 2022 Management Contract
between the Company's Board of Commissioners and the Company's Shareholders.
Mengesahkan Rencana Kerja dan Anggaran Dewan Komisaris dan Menetapkan Key
Performance Indicator (KPI) yang tertuang dalam Kontrak Manajemen Tahun 2022 antara
Keputusan Mata Acara 3:
Dewan Komisaris Perseroan dengan Pemegang Saham perseroan.
3rd Meeting Agenda
Resolution: Ratify the Board of Commissioners' Work Plan and Budget and Determine the Key
Performance Indicators (KPI) contained in the 2022 Management Contract between the
Company's Board of Commissioners and the company's Shareholders.
Seluruh Dewan Komisaris mengawasi dan memastikan pelaksanaan operasional perseroan
Tindak Lanjut atas Hasil telah sesuai tata kelola yang baik dan menjalankan fungsi dan wewenangnya serta
Keputusan di Tahun 2023: memenuhi KPI Dewan Komisaris tahun 2022.
Follow-up on Resolution The entire Board of Commissioners supervises and ensures that the company's operational
Result until the End of 2023: implementation is in accordance with good governance and carries out its functions and
authority and fulfills the 2022 KPI of the Board of Commissioners.
Agenda Mata Acara 4: Pengesahan Rencana Kerja dan Anggaran Perusahaan (RKAP) Pegadaian Tahun 2023.
4th Meeting Agenda: Ratification of Pegadaian's 2023 Company Work Plan and Budget (RKAP).
Keputusan Mata Acara 4:
Mengesahkan Rencana Kerja Anggaran Perusahaan (RKAP) Perseroan Tahun 2023.
4th Meeting Agenda
Resolution: Ratify the Company's 2023 Corporate Budget Work Plan (RKAP).
Tindak Lanjut atas Hasil Seluruh elemen organisasi melaksanakan program kerja dan anggaran sesuai dengan RKAP
Keputusan di Tahun 2023: tahun 2023 sebagai upaya untuk memastikan ketercapaian objectives perusahaan.
Follow-up on Resolution All elements of the organization implement work programs and budgets in accordance
Result until the End of 2023: with the 2023 RKAP as an effort to ensure the achievement of company objectives.
Pengesahan Rencana Kerja dan Anggaran Program Tanggung Jawab Sosial dan
Agenda Mata Acara 5: Lingkungan (RKA TJSL) Perseroan Tahun 2023.
5th Meeting Agenda: Ratification of the Company's 2023 Social and Environmental Responsibility Program Work
Plan and Budget (RKA TJSL).
Mengesahkan Rencana Kerja dan Anggaran Program Tanggung Jawab Sosial dan
Keputusan Mata Acara 5:
Lingkungan (TJSL) Perseroan Tahun 2023 sebesar Rp167.227.000.000.
5th Meeting Agenda
Resolution: Approve the Company's 2023 Social and Environmental Responsibility Program (TJSL)
Work Plan and Budget of Rp167,227,000,000.
Tindak Lanjut atas Hasil Unit Kerja TJSL selanjutnya melaksanakan program kerja non PUMK dan program kerja
Keputusan di Tahun 2023: PUMK sesuai dengan RKA TJSL tahun 2023.
Follow-up on Resolution The TJSL Work Unit then implement non-PUMK work programs and PUMK work programs
Result until the End of 2023: in accordance with the 2023 TJSL RKA.
Penetapan Key Performance Indicators (KPI) yang tertuang dalam Kontrak Manajemen
Tahun 2023 antara Direksi dan Dewan Komisaris Perseroan dengan Pemegang Saham
Agenda Mata Acara 6: Perseroan.
6th Meeting Agenda: Determination of Key Performance Indicators (KPI) as stated in the 2023 Management
Contract between the Company's Board of Directors and Board of Commissioners and the
Company's Shareholders.
Menetapkan usulan Key Performance Indicator (KPI) yang tertuang dalam Kontrak
Manajemen Tahun 2023, antara Direksi dan Dewan Komisaris Perseroan dengan Pemegang
Keputusan Mata Acara 6:
Saham Perseroan.
6th Meeting Agenda
Resolution: Determine the proposed Key Performance Indicators (KPI) contained in the 2023
Management Contract, between the Company's Board of Directors and Board of
Commissioners and the Company's Shareholders.
Tindak Lanjut atas Hasil Seluruh jajaran Direksi memimpin dan memastikan seluruh inisiatif strategis tahun 2023
Keputusan di Tahun 2023: terlaksana sebagai upaya perseroan utk mencapai KPI 2023.
Follow-up on Resolution The entire Board of Directors leads and ensures that all strategic initiatives in 2023 are
Result until the End of 2023: implemented as the company's efforts to achieve the 2023 KPI.
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Tata Kelola Perusahaan
Corporate Governance
Pengesahan Rencana Kerja dan Anggaran Dewan Komisaris dan Penetapan Usulan Key
Performance Indicators (KPI) yang tertuang dalam Kontrak Manajemen Tahun 2022 antara
Agenda Mata Acara 7: Dewan Komisaris Perseroan dengan Pemegang Saham Perseroan.
7th Meeting Agenda: Ratification of the Board of Commissioners' Work Plan and Budget and Determination of
Proposed Key Performance Indicators (KPI) contained in the 2023 Management Contract
between the Company's Board of Commissioners and the Company's Shareholders.
Mengesahkan Rencana Kerja dan Anggaran Dewan Komisaris dan Menetapkan Key
Performance Indicator (KPI) yang tertuang dalam Kontrak Manajemen Tahun 2023 antara
Keputusan Mata Acara 7:
Dewan Komisaris Perseroan dengan Pemegang Saham Perseroan.
7th Meeting Agenda
Resolution: Ratify the Board of Commissioners' Work Plan and Budget and Determine the Key
Performance Indicators (KPI) contained in the 2023 Management Contract between the
Company's Board of Commissioners and the Company's Shareholders.
Seluruh Dewan Komisaris mengawasi dan memastikan pelaksanaan operasional perseroan
Tindak Lanjut atas Hasil telah sesuai tata kelola yang baik dan menjalankan fungsi dan wewenangnya serta
Keputusan di Tahun 2023: memenuhi KPI Dewan Komisaris tahun 2023.
Follow-up on Resolution The entire Board of Commissioners supervises and ensures that the company's operational
Result until the End of 2023: implementation is in accordance with good governance and carries its functions and
authorities and fulfills the 2023 KPI of the Board of Commissioners.
RUPS Pengesahan Laporan Tahunan dan GMS on the Ratification of Annual Report
Laporan Keuangan Konsolidasian Tahun and Consolidated Financial Statements
Buku 2022 for the 2022 Financial Year
Hari/Tanggal Jum’at, 23 Juni 2023
Day/Date Friday, June 23, 2023
Waktu
Time 09.00 s.d 10.30 WIB
Tempat
Venue Ruang Loyal 1 Lantai 8, Gedung Kementerian BUMN
Hasil Keputusan RUPS telah dituangkan dalam Results of the GMS Resolutions have been stated
Risalah RUPS No. 725/00013.00/2023 tentang in the Minutes of the GMS No. 725/00013.00/2023
Pengesahan Laporan Tahunan dan Laporan Keuangan concerning Ratification of the Annual Report and
Konsolidasian Tahun Buku 2022 Seluruh keputusan Consolidated Financial Statements for the 2022
dalam RUPS dilakukan dengan musyawarah mufakat. Financial Year. All decisions at the GMS are made
Adapun hasil keputusan RUPS serta pelaksanaannya by deliberation and consensus. Results of the GMS
dan tindak lanjutnya oleh Manajemen Perseroan resolutions as well as their implementation and follow-
hingga akhir tahun 2023 adalah sebagai berikut: up by the Company’s Management until the end of
2023 are as follows:
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Mata Acara Rapat dan Keputusannya serta Tindak Lanjut atas Hasil Keputusan Rapat
Meeting Agenda with Its Resolution as well as the Follow-up to the Result of Resolution of the Meeting
Persetujuan Laporan Tahunan dan Pengesahan Laporan Keuangan Konsolidasian Perseroan,
Persetujuan Laporan Tugas Pengawasan Dewan Komisaris Perseroan serta Pengesahan
Laporan Keuangan Program Pendanaan Usaha Mikro dan Usaha Kecil (PUMK) Tahun Buku
2022 sekaligus Pemberian Pelunasan dan Pembebasan Tanggung Jawab Sepenuhnya
(Volledig acquit et de charge) kepada Direksi atas Tindakan Pengurusan Perseroan dan
Dewan Komisaris atas Tindakan Pengawasan Perseroan yang Telah Dijalankan Selama Tahun
Agenda Mata Acara 1: Buku 2022.
1st Meeting Agenda: Approval of the Annual Report and Ratification of the Company's Consolidated Financial
Statements, Approval of the Supervisory Duties Report of the Company's Board of
Commissioners and Ratification of the Financial Statements of the Micro and Small Business
Funding Program (PUMK) for 2022 Financial Year as well as Providing Full Repayment and
Release of Liability (Volledig acquit et de charge) to the Board of Directors for Management
Duties of the Company and Board of Commissioners for Supervision Duties of the Company
that Have Been Implemented During the 2022 Financial Year.
1. Menyetujui Laporan Tahunan Perseroan, termasuk Laporan Tugas Pengawasan yang
telah dilaksanakan Dewan Komisaris, yang di dalamnya termasuk Pelaksanaan program
Tanggung Jawab Sosial dan Lingkungan Perseroan, untuk tahun buku yang berakhir
pada tanggal 31 Desember 2022, serta mengesahkan Laporan Keuangan Konsolidasian
Perseroan untuk buku yang berakhir pada tanggal 31 Desember 2022 yang telah diaudit
oleh KAP Purwantono, Sungkoro & Surja (a member Firm of Ernst & Young Global
Limited) sesuai laporan No.00053/2.1032/ AU .1 /09/1681-1 /1 /1/2023 tanggal 31 Januari
2023 dengan opini wajar dalam semua hal yang material.
2. Menerima dan mengesahkan Laporan Keuangan Program Pendanaan Usaha Mikro dan
Usaha Kecil untuk tahun buku yang berakhir pada tanggal 31 Desember 2022 yang telah
diaudit oleh Purwantono, Sungkoro & Surja (a member Firm of Ernst & Young Global
Limited) sesuai Laporan No. 00575/2.1032/AU.2/09/1681-1/1/lll/2023 tanggal 31 Maret
2023 dengan opini wajar dalam semua hal yang material.
3. Dengan telah disetujuinya Laporan Tahunan, Laporan Tugas Pengawasan Dewan
Komisaris, termasuk Laporan Pelaksanaan Program T JSL serta telah disahkannya
Laporan Keuangan Konsolidasian dan Laporan Keuangan Program Pendanaan Usaha
Mikro dan Usaha Kecil (PUMK) untuk tahun buku yang berakhir pada 31 Desember 2022,
maka RUPS memberikan pelunasan dan pembebasan tanggung jawab sepenuhnya
(volledig acquit et de charge) kepada anggota Direksi atas tindakan pengurusan dan
kepada anggota Dewan Komisaris atas tindakan pengawasan yang telah dijalankan
selama tahun buku yang berakhir pada tanggal 31 Desember 2022, sepanjang tindakan
Keputusan Mata Acara 1: tersebut bukan merupakan tindak pidana dan telah tercermin dalam Laporan tersebut di
1st Meeting Agenda atas.
Resolution: 1. Approve the Company's Annual Report, including the Supervisory Duties Report by the
Board of Commissioners, which includes the Implementation of the Company's Social
and Environmental Responsibility program, for the financial year ended on December 31,
2022, and ratify the Company's Consolidated Financial Statements for the book eneded
on December 31, 2022 which has been audited by KAP Purwantono, Sungkoro & Surja (a
member Firm of Ernst & Young Global Limited) according to report No.00053/2.1032/
AU .1 /09/1681-1 /1 /1/2023 January 31, 2023 with a qualified opinion in all material
respects.
2. Receive and approve the Financial Statements for the Micro and Small Business Funding
Program for the financial year ending on December 31, 2022 which has been audited by
Purwantono, Sungkoro & Surja (a member of the Firm of Ernst & Young Global Limited)
according to Report No. 00575/2.1032/AU.2/09/1681-1/1/lll/2023 dated March 31, 2023
with a qualified opinion in all material matters.
3. With approval of the Annual Report, the Board of Commissioners' Supervisory Duties
Report, including Report for the TJSL Program Implementation and the Consolidated
Financial Statements and Micro and Small Business Funding Program (PUMK) Financial
Statements for the financial year ended on December 31, 2022, the GMS then provides
full repayment and release of responsibility (volledig acquit et de charge) to members
of the Board of Directors for management duties and to members of the Board of
Commissioners for supervisory duties that have been carried out during the financial
year ended on December 31, 2022, as long as these actions do not constitute criminal
acts and has been reflected in the Report mentioned above.
PT Pegadaian | 2023 Annual Report 327
Page 328
Tata Kelola Perusahaan
Corporate Governance
Tindak Lanjut atas Hasil
Keputusan di Tahun 2023: Telah ditindaklanjuti berdasarkan Risalah RUPS No. 725/00013.00/2023
Follow-up on Resolution It has been followed up based on the Minutes of GMS No. 725/00013.00/2023
Result until the End of 2023:
Penetapan Penggunaan Laba Bersih Konsolidasian Perseroan untuk Tahun Buku 2022.
Agenda Mata Acara 2:
2nd Meeting Agenda: Determination of the Use of the Company's Consolidated Net Profit for the 2022 Financial
Year.
Menetapkan penggunaan Laba Bersih Konsolidasian Perseroan yang diatribusikan kepada
Entitas lnduk Tahun Buku 2022 sebesar Rp3.298.312.320.696,- (Tiga Triliun Dua Ratus
Sembilan Puluh Delapan Miliar Tiga Ratus Dua Belas Juta Tiga Ratus Dua Puluh Ribu Enam
Keputusan Mata Acara 2:
Ratus Sembilan Puluh Enam Rupiah) seluruhnya sebagai saldo Laba Ditahan.
2nd Meeting Agenda
Resolution: Determine the use of the Company's Consolidated Net Profit attributable to the Parent
Entity for the 2022 Financial Year of Rp3,298,312,320,696,- (Three Trillion Two Hundred
Ninety Eight Billion Three Hundred Twelve Million Three Hundred Twenty Thousand Six
Hundred Ninety Six Rupiah) entirely as Retained Earnings balance.
Tindak Lanjut atas Hasil
Keputusan di Tahun 2023: Telah ditindaklanjuti berdasarkan Risalah RUPS No. 725/00013.00/2023
Follow-up on Resolution It has been followed up based on the Minutes of the GMS No. 725/00013.00/2023
Result until the End of 2023:
Penetapan Remunerasi (Gaji/honorarium, fasilitas, dan tunjangan) Tahun 2023, serta
Tantiem untuk Tahun Buku 2022 bagi Direksi dan Dewan Komisaris Perseroan
Agenda Mata Acara 3:
3rd Meeting Agenda: Determination of Remuneration (Salary/honorarium, facilities and allowances) for 2023, as
well as Tantiem for the 2022 Financial Year for the Company's Board of Directors and Board
of Commissioners
1. Memberikan wewenang dan kuasa kepada Pemegang Saham Seri A Dwiwarna untuk
menetapkan bagi anggota Dewan Komisaris besarnya tantiem untuk kinerja Tahun Buku
2022 dan gaji/honorarium, fasilitas, dan tunjangan untuk Tahun 2023.
2. Memberikan wewenang dan kuasa kepada Dewan Komisaris dengan terlebih dahulu
mendapatkan persetujuan tertulis dari Pemegang Saham Seri A Dwiwarna untuk
menetapkan bagi anggota Direksi besarnya tantiem untuk kinerja Tahun Buku 2022 dan
Keputusan Mata Acara 3:
gaji/honorarium, fasilitas, dan tunjangan untuk Tahun 2023.
3rd Meeting Agenda
Resolution: 1. Grant authority and power to Series A Dwiwarna Shareholder to determine amount of
bonus for the performance of members of the Board of Commissioners for the 2022
Financial Year as well as their salary/honorarium, facilities and benefits for 2023.
2. Grant authority and power to the Board of Commissioners by first obtaining written
approval from the Series A Dwiwarna Shareholder to determine amount of bonus for the
performance of members of the Board of Directors for the 2022 Financial Year as well as
their salary/honorarium, facilities and benefits for 2023.
Tindak Lanjut atas Hasil
Keputusan di Tahun 2023: Telah ditindaklanjuti berdasarkan Risalah RUPS No. 725/00013.00/2023
Follow-up on Resolution It has been followed up based on the Minutes of the GMS No. 725/00013.00/2023
Result until the End of 2023:
Penunjukkan Akuntan Publik (AP) dan/atau Kantor Akuntan Publik (KAP) untuk mengaudit
Laporan Keuangan Konsolidasi Perseroan dan Laporan Keuangan Program Pendanaan
Agenda Mata Acara 4: Usaha Mikro dan Kecil (PUMK) untuk Tahun Buku 2023.
4th Meeting Agenda: Appointment of Public Accountant (AP) and/or Public Accounting Firm (KAP) to audit the
Company's Consolidated Financial Statements and Financial Statements for the Micro and
Small Enterprise Funding Program (PUMK) of the 2023 Financial Year.
328 Laporan Tahunan 2023 | PT Pegadaian
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1. Menunjuk Kantor Akuntan Publik Purwantono, Sungkoro & Surja (a member firm of Ernst
& Young Global Limited), sebagai Kantor Akuntan Publik yang akan mengaudit Laporan
Keuangan Konsolidasian Perseroan serta Laporan Keuangan Pelaksanaan Program
Pendanaan Usaha Mikro dan Usaha Kecil Tahun Buku 2023.
2. Memberikan wewenang dan kuasa kepada Dewan Komisaris Perseroan menunjuk Kantor
Akuntan Publik untuk melakukan audit atas Laporan Keuangan Konsolidasian Perseroan
periode lainnya pada Tahun Buku 2023 untuk tujuan dan kepentingan Perseroan.
3. Memberikan wewenang dan kuasa kepada Dewan Komisaris Perseroan untuk
menetapkan imbalan jasa audit dan persyaratan lainnya bagi Kantor Akuntan Publik
tersebut, serta menetapkan Kantor Akuntan Publik pengganti dalam hal Kantor Akuntan
Publik Purwantono, Sungkoro & Surja (a member of Ernst and Young Global Limited),
karena sebab apapun tidak dapat menyelesaikan audit Laporan Keuangan Perseroan
serta Laporan Keuangan Program Pendanaan Usaha Mikro dan Usaha Kecil serta
laporan lainnya untuk Tahun Buku 2023, termasuk menetapkan imbalan jasa audit dan
Keputusan Mata Acara 4: persyaratan lainnya bagi Kantor Akuntan Publik pengganti tersebut.
4th Meeting Agenda 1. Appoint the Public Accounting Firm Purwantono, Sungkoro & Surja (a member firm
Resolution: of Ernst & Young Global Limited), as the Public Accounting Firm that will audit the
Company's Consolidated Financial Statements as well as the Financial Statements for the
Implementation of the Micro and Small Business Funding Program of the 2023 Financial
Year.
2. Grant authority and power to the Company's Board of Commissioners to appoint Public
Accounting Firm to audit the Company's Consolidated Financial Statements for other
periods in the 2023 Financial Year for the purposes and interests of the Company.
3. Grant authority and power to the Company's Board of Commissioners to determine
fees for audit services and other requirements for the Public Accounting Firm, as well as
determining substitutes Public Accounting Firm in the case of the Purwantono, Sungkoro
& Surja Public Accounting Firm (a member of Ernst and Young Global Limited) , due to
any reason being unable to complete the audit of the Company's Financial Statements
as well as the Micro and Small Business Funding Program Financial Statements and other
reports for the 2023 Financial Year, including determining fees for audit services and
other requirements for the substitutes Public Accounting Firm.
Tindak Lanjut atas Hasil
Keputusan di Tahun 2023: Telah ditindaklanjuti berdasarkan Risalah RUPS No. 725/00013.00/2023
Follow-up on Resolution It has been followed up based on the Minutes of the GMS No. 725/00013.00/2023
Result until the End of 2023:
Agenda Mata Acara 5: Perubahan Susunan Pengurus Perseroan
5th Meeting Agenda: Changes in the Composition of the Company's Management
Keputusan Mata Acara 5: Keputusan perubahan susunan Pengurus Perseroan akan ditetapkan tersendiri
5th Meeting Agenda Decision to change the composition of the Company's Management will be determined
Resolution: separately
Tindak Lanjut atas Hasil
Keputusan di Tahun 2023: Telah ditindaklanjuti berdasarkan Risalah RUPS No. 725/00013.00/2023
Follow-up on Resolution It has been followed up based on the Minutes of the GMS No. 725/00013.00/2023
Result until the End of 2023:
PT Pegadaian | 2023 Annual Report 329
Page 330
Tata Kelola Perusahaan
Corporate Governance
Penyelenggaraan RUPS Tahun 2022 Implementation of the 2022 GMS
Di sepanjang tahun 2022, Perseroan mengadakan 2 Throughout 2022, the Company held 2 (two) GMS:
(dua) kali RUPS, yaitu:
1. RUPS Pengesahan Rencana Kerja dan Anggaran 1. GMS on the Ratification of the Company’s Work
Perusahaan (RKAP); Plan and Budget (RKAP);
2. RUPS Persetujuan laporan Tahunan dan 2. GMS on the Approval of the Annual Report and
Pengesahan Laporan Keuangan Perseroan tahun Ratification of the Company’s Financial Statements
Buku 2021. for the 2021 Financial Year.
RUPS Pengesahan Rencana Kerja dan GMS on the Approval of the Company’s
Anggaran Perusahaan (RKAP) Work Plan and Budget (RKAP)
RUPS dilakukan secara sirkuler yang ditandatangani The GMS was held circularly which was signed by Erick
oleh Erick Thohir (Menteri BUMN) selaku pemegang Thohir (Minister of BUMN) as the Series A Dwiwarna
saham Seri A Dwiwarna, dan Sunarso (Direktur Utama shareholder, and Sunarso (Principal Director of PT
PT Bank BRI (persero) Tbk) selaku pemegang saham Bank BRI (persero) Tbk) as the Series B shareholder
seri B pada tanggal 31 januari 2022, dengan keputusan on January 31, 2022, with the following resolutions:
sebagai berikut:
1. Mengesahkan Rencana Kerja dan Anggaran 1. Approval of PT Pegadaian’s 2022 Corporate Work
Perusahaan (RKAP) PT Pegadaian tahun 2022. Plan and Budget (RKAP).
2. Pengesahan Rencana Kerja dan Anggaran Program 2. Ratification of PT Pegadaian’s 2022 Social and
Tanggung Jawab Sosial dan Lingkungan (RKA Environmental Responsibility Program Work
TJSL) PT Pegadaian Tahun 2022 akan ditetapkan Plan and Budget (RKA TJSL) will be determined
secara tersendiri. separately.
3. Penetapan Key Performance Indicator (KPI) yang 3. Determination of the Key Performance Indicator
tertuang dalam Kontrak Manajemen Tahun 2022 (KPI) contained in the 2022 Management Contract
antara Direksi dan Dewan Komisaris PT Pegadaian between the Directors and Board of Commissioners
dengan Pemegang Saham PT Pegadaian akan of PT Pegadaian and PT Pegadaian Shareholders
ditetapkan secara tersendiri. will be determined separately.
4. Penetapan Key Performance Indicator (KPI) yang 4. Determination of the Key Performance Indicator
tertuang dalam Kontrak Manajemen Tahun 2022 (KPI) contained in the 2022 Management Contract
antara Dewan Komisaris PT Pegadaian dengan between the Board of Commissioners of PT
Pemegang Saham PT Pegadaian akan ditetapkan Pegadaian and the Shareholders of PT Pegadaian
secara tersendiri will be determined separately.
RUPS Persetujuan Laporan Tahunan dan GMS on the Approval of the Annual
Pengesahan Laporan Keuangan Perseroan Report and Ratification of the Company’s
Tahun Buku 2021 Financial Statements for the 2021
Financial Year
Hari/Tanggal Rabu, 27 April 2022
Day/Date Wednesday, April 27, 2022
Waktu
Time 14.20 WIB
Tempat Gedung Kenari Lantai 4 PT Pegadaian, Jalan Salemba Raya No. 2, Kenari, Senen,
Venue Jakarta Pusat
Hasil Keputusan RUPS telah dituangkan dalam Risalah The resolutions of the GMS have been set forth in the
RUPS No. 28 tentang Berita Acara RUPS Tahunan PT Minutes of GMS No. 28 concerning the Minutes of PT
Pegadaian. Seluruh keputusan dalam RUPS dilakukan Pegadaian’s Annual General Meeting of Shareholders.
dengan musyawarah mufakat. Adapun hasil keputusan All decisions in the GMS are made by deliberation
RUPS serta pelaksanaannya dan tindak lanjutnya oleh for consensus. The results of the GMS decisions and
Manajemen Perseroan hingga akhir tahun 2022 adalah their implementation and follow-up by the Company’s
sebagai berikut: Management until the end of 2022 are as follows:
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Mata Acara Rapat dan Keputusannya serta Tindak Lanjut atas Hasil Keputusan Rapat
Meeting Agenda with Its Resolution as well as the Follow-up to the Result of Resolution of the Meeting
Persetujuan Laporan Tahunan dan Pengesahan Laporan Keuangan, serta persetujuan
Agenda Mata Acara 1: laporan tugas pengawasan Dewan Komisaris tahun buku 2022.
1st Meeting Agenda: Approval of the Annual Report and Ratification of Financial Statements, as well as approval
of the Board of Commissioners' supervisory duties report for the 2022 financial year.
Menyetujui laporan tahunan Perseroan, termasuk laporan tugas pengawasan yang telah
dilaksanakan Dewan Komisaris, serta mengesahkan laporan keuangan konsolidasian
Keputusan Mata Acara 1: Perseroan untuk tahun buku 2021 yang telah diaudit oleh KAP Tanudiredja, Wibisana, Rintis
1st Meeting Agenda dan rekan (PWC).
Resolution: Approved the Company's annual report, including supervisory duties report of the Board of
Commissioners, as well as ratifying the Company's consolidated financial statements for the
2021 financial year which has been audited by KAP Tanudiredja, Wibisana, Rintis & Rekan
(PWC).
Pengesahan Laporan Tahunan Tahun Buku 2021 termasuk Laporan Tugas Pengawasan
Tindak Lanjut atas Hasil Dewan Komisaris Tahun 2021 serta mengesahkan Laporan Keuangan Konsolidasian
Keputusan Hingga Akhir Perseroan untuk Tahun Buku 2021 yang telah diaudit oleh KAP Tanudiredja, Wibisana, Rintis
Tahun 2022: & Rekan (PwC).
Follow-up on Resolution Ratification of Annual Report for the 2021 Financial Year including the 2021 Supervisory
Result until the End of 2022: Duties Report by the Board of Commissioners as well as ratifying the Company's
Consolidated Financial Statements for the 2021 Financial Year which has been audited by
KAP Tanudiredja, Wibisana, Rintis & Rekan (PwC).
Agenda Mata Acara 2: Penetapan penggunaan laba bersih Perseroan untuk tahun buku 2022.
2nd Meeting Agenda: Determination of the use of the Company's net profit for the 2022 financial year.
Keputusan Mata Acara 2: Menyetujui penggunaan laba bersih konsolidasian yang dapat diatribusikan kepada pemilik
2nd Meeting Agenda entitas induk untuk tahun buku 2021 sebesar Rp2.426.770.541.496,-.
Resolution: Approved the use of consolidated net profit attributable to owner of the parent entity for
the 2021 financial year of Rp2,426,770,541,496.-.
Tindak Lanjut atas Hasil
Keputusan Hingga Akhir Penetapan penggunaan laba bersih konsolidasian yang diatribusikan kepada pemilik entitas
Tahun 2022: induk untuk Tahun Buku 2021 sebesar Rp2.426.770.541.496,-.
Follow-up on Resolution Determination of the use of consolidated net profit attributable to ownes of the parent
Result until the End of 2022: entity for the 2021 Financial Year of Rp2,426,770,541,496.-.
Penetapan remunerasi untuk tahun buku 2022, serta tantiem untuk tahun buku 2021 bagi
Agenda Mata Acara 3: Direksi dan Dewan Komisaris Perseroan.
3rd Meeting Agenda: Determination of remuneration for the 2022 financial year, as well as bonus for the 2021
financial year for the Company's Board of Directors and Board of Commissioners.
Keputusan Mata Acara 3: Menyetujui besaran remunerasi untuk Direksi dan Dewan Komisaris Perseroan tahun buku
3rd Meeting Agenda 2022 serta tantiem atas kinerja tahun buku 2021.
Resolution: Approved the amount of remuneration for the Company's Board of Directors and Board
of Commissioners for the 2022 financial year as well as bonus for the performance of 2021
financial year.
Penetapan Remunerasi (gaji/honorarium, fasilitas dan tunjangan) untuk Direksi dan Dewan
Tindak Lanjut atas Hasil Komisaris Perseroan Tahun 2022 serta tantiem untuk Direksi dan Dewan Komisaris atas
Keputusan Hingga Akhir kinerja Tahun Buku 2021, akan ditetapkan secara tersendiri.
Tahun 2022: Determination of remuneration (salary/honorarium, facilities and allowances) for the
Follow-up on Resolution Company's Directors and Board of Commissioners for 2022 as well as bonuses for the
Result until the End of 2022: Directors and Board of Commissioners for their performance for the 2021 Financial Year, will
be determined separately.
Penunjukan Akuntan Publik dan/atau Kantor Akuntan Publik untuk mengaudit laporan
Agenda Mata Acara 4: keuangan konsolidasian Perseroan.
4th Meeting Agenda: Appointment of Public Accountant and/or Public Accounting Firm to audit the Company's
consolidated financial statements.
Menyetujui usulan Perseroan untuk penunjukan Akuntan Publik dan/atau Kantor Akuntan
Keputusan Mata Acara 4: Publik Purwantono, Sungkoro & Surja (Ernst & Young Global Limited).
4th Meeting Agenda
Resolution: Approved the Company's suggestion for the appointment of Public Accountant and/or KAP
Purwantono, Sungkoro & Surja (Ernst & Young Global Limited).
Penunjukan Purwantono, Sungkoro & Surja (Ernst & Young Global Limited) sebagai Kantor
Akuntan Publik yang akan mengaudit Laporan Keuangan Konsolidasian Perseroan dan
Tindak Lanjut atas Hasil Laporan Keuangan Pelaksanaan Program Kemitraan dan Bina Lingkungan (PKBL) untuk
Keputusan Hingga Akhir Tahun Buku 2022.
Tahun 2022: Appointment of Purwantono, Sungkoro & Surja (Ernst & Young Global Limited) as a
Follow-up on Resolution
Result until the End of 2022: Public Accounting Firm that will audit the Company's Consolidated Financial Statements
and Financial Statements on the Implementation of the Partnership and Community
Development Program (PKBL) for the 2022 Financial Year.
PT Pegadaian | 2023 Annual Report 331
Page 332
Tata Kelola Perusahaan
Corporate Governance
Dewan Komisaris
Board of Commissioners
Undang-Undang No. 40 Tahun 2007 tentang Perseroan Law No. 40 of 2007 concerning Limited Liability
Terbatas mewajibkan semua Perseroan yang didirikan Companies requires that all companies established
berdasarkan hukum Indonesia mempunyai Dewan under Indonesian law have a Board of Commissioners.
Komisaris. Dewan Komisaris adalah Organ Perseroan The Board of Commissioners is the organ of the
yang bertugas untuk melakukan pengawasan secara Company whose job is to carry out general and/or
umum dan/atau khusus sesuai dengan Anggaran specific supervision in accordance with the Articles of
Dasar, memberikan nasihat kepada Direksi, serta Association, provide advice to the Board of Directors,
memastikan bahwa Perseroan melaksanakan prinsip- and ensure that the Company implements GCG
prinsip Governansi Perusahaan. Dewan Komisaris principles. The Board of Commissioners is responsible
bertanggung jawab kepada Pemegang Saham dalam to the Shareholders in terms of overseeing the Board of
hal mengawasi kebijakan Direksi terhadap operasional Directors’ policies regarding the Company’s operations
Perseroan secara umum yang mengacu kepada in general referring to the business plan approved by
rencana bisnis yang telah disetujui Dewan Komisaris the Board of Commissioners and Shareholders, as well
dan Pemegang Saham, serta memastikan kepatuhan as ensuring compliance with all applicable laws and
terhadap seluruh peraturan dan perundang undangan regulations.
yang berlaku.
Masa Jabatan Dewan Komisaris Term of Office of the Board of
Commissioners
Masa Jabatan anggota Dewan Komisaris adalah The term of office of member of the Board of
terhitung sejak tanggal yang ditetapkan oleh RUPS Commissioners is from the date when the GMS
yang mengangkatnya dan berakhir pada penutupan appointed him/her and ends at the closing of the
RUPS Tahunan yang ke-5 (lima) setelah tanggal 5th (fifth) Annual GMS after the date of his/her
pengangkatannya, dengan syarat tidak lebih dari appointment, with condition that it is not more than
5 (lima) tahun, dengan memperhatikan peraturan 5 (five) years, taking into account the applicable
dan perundang-undangan berlaku, namun tidak rules and regulations, but does not reduce the rights
mengurangi hak dari RUPS untuk sewaktu-waktu dapat of the GMS to dismiss members of the Board of
memberhentikan para anggota Dewan Komisaris Commissioners at any time before their term of office
sebelum masa jabatannya berakhir. ends.
Susunan dan Dasar Pengangkatan Composition and Basis of
Dewan Komisaris Tahun 2023 Appointment of the Board of
Commissioners in 2023
Selama tahun 2023, terdapat penambahan 1 (satu) In 2023, there was additional 1 (one) Independent
Komisaris Independen yaitu Muhammad Isnaini Commissioner, Muhammad Isnaini, who was appointed
yang diangkat pada 11 Oktober 2023 berdasarkan on October 11, 2023 based on the Decree of the
Surat Keputusan Menteri BUMN No. SK-281/ Minister of SOEs No. SK-281/MBU/10/2023 and No.
MBU/10/2023 dan No. 1068-DIR/HCB/10/2023 1068-DIR/HCB/10/2023 concerning Appointment
tentang Pengangkatan Anggota Dewan Komisaris of Members of the Board of Commissioners of PT
PT Pegadaian. Dengan demikian komposisi Dewan Pegadaian. Thus, the composition of the Board of
Komisaris per 31 Desember 2023 adalah sebagai Commissioners as of December 31, 2023 is as follows:
berikut:
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Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan Jabatan
Name Position Basis of Appointment Term of Office Service
Period
Surat Keputusan Menteri BUMN No.
SK-59/MBU/02/2020 tanggal 27 27 Februari 2020 -
Komisaris Utama
Februari 2020 RUPS Tahun 2025 Ke-1
Loto Srinaita Ginting President
Decree of the Minister of SOEs No. February 27, 2020 – 1st
Commissioner
SK-59/MBU/02/2020 dated February GMS in 2025
27, 2020
Surat Keputusan Menteri BUMN
dan Direktur Utama PT Bank
Rakyat Indonesia, TBK. No. SK-105/
MBU/04/2022, dan No. 0014-DIR/ 25 April 2022 -
Umiyatun Hayati Komisaris HCB/04/2022 tanggal 25 April 2022 RUPS Tahun 2027 Ke-2
Triastuti Commissioner Decree of the Minister of SOEs and April 25, 2022 – 2nd
the President Director of PT Bank GMS in 2027
Rakyat Indonesia, TBK. No. SK-105/
MBU/04/2022, and No. 0014-DIR/
HCB/04/2022 dated April 25, 2022
Surat Keputusan Menteri BUMN No.
SK-248/MBU/10/2019 tanggal 17 17 Oktober 2019 -
Komisaris Oktober 2019 RUPS Tahun 2024 Ke-1
Sudarto
Commissioner Decree of the Minister of SOEs No. October 17, 2019 – 1st
SK-248/MBU/10/2019 dated October GMS in 2024
17, 2019
Surat Keputusan Menteri BUMN
No. SK-14/MBU/01/2020 tanggal 9 9 Januari 2020 -
Komisaris Januari 2020 RUPS Tahun 2025 Ke-1
Rini Widyantini
Commissioner Decree of the Minister of SOEs No. January 9, 2020 – 1st
SK-14/MBU/01/2020 dated January GMS in 2025
9, 2020
Surat Keputusan Menteri BUMN No.
SK-59/MBU/02/2020 tanggal 27 27 Februari 2020 -
Komisaris Independen
Februari 2020 RUPS Tahun 2025 Ke-1
Makmur Keliat Independent
Decree of the Minister of SOEs No. February 27, 2020 – 1st
Commissioner
SK-59/MBU/02/2020 dated February GMS in 2025
27, 2020
Surat Keputusan Menteri BUMN
dan Direktur Utama PT Bank
Rakyat Indonesia, Tbk. No. SK-105/
MBU/04/2022, dan No. 0014-DIR/ 25 April 2022 -
Komisaris Independen
HCB/04/2022 tanggal 25 April 2022 RUPS Tahun 2027 Ke-1
Nezar Patria Independent
Decree of the Minister of SOEs and April 25, 2022 – 1st
Commissioner
the President Director of PT Bank GMS in 2027
Rakyat Indonesia, Tbk. No. SK-105/
MBU/04/2022, and No. 0014-DIR/
HCB/04/2022 dated April 25, 2022
Surat Keputusan Menteri BUMN
dan Direktur Utama PT Bank
Rakyat Indonesia, Tbk. No. SK-105/
MBU/04/2022, dan No. 0014-DIR/ 25 April 2022 -
Komisaris Independen
HCB/04/2022 tanggal 25 April 2022 RUPS Tahun 2027 Ke-1
Yudi Priambodo P. Independent
Decree of the Minister of SOEs and April 25, 2022 – 1st
Commissioner
the President Director of PT Bank GMS in 2027
Rakyat Indonesia, Tbk. No. SK-105/
MBU/04/2022, and No. 0014-DIR/
HCB/04/2022 dated April 25, 2022
PT Pegadaian | 2023 Annual Report 333
Page 334
Tata Kelola Perusahaan
Corporate Governance
Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan Jabatan
Name Position Basis of Appointment Term of Office Service
Period
Surat Keputusan Menteri BUMN
dan Direktur Utama PT Bank
Rakyat Indonesia, Tbk. No. SK-281/
MBU/10/2023 dan No. 1068-DIR/
11 Oktober 2023 –
Komisaris Independen HCB/10/2023 tanggal 11 Oktober
RUPS Tahun 2028 Ke-1
Muhammad Isnaini* Independent 2023
October 11, 2023 – 1st
Commissioner Decree of the Minister of SOEs and
GMS in 2028
the President Director of PT Bank
Rakyat Indonesia Tbk No. SK-281/
MBU/10/2023 and No. 1068-DIR/
HCB/10/2023 dated October 11, 2023
Keterangan:
*Diangkat menjadi Komisaris Independen pada tanggal 11 Oktober 2023
:Description
*Appointed as Independent Commissioner on October 11, 2023
Profil singkat masing-masing anggota Dewan A brief profile of each member of the Board of
Komisaris dapat dilihat pada bagian Profil Dewan Commissioners can be seen in the Profile of the Board
Komisaris, dalam bab Profil Perusahaan pada Laporan of Commissioners section, in the Company Profile
Tahunan ini. chapter of this Annual Report.
Penilaian Kelayakan dan Kepatutan Fit and Proper Assessment of the
Dewan Komisaris Board of Commissioners
Sesuai dengan Peraturan OJK No. 27/POJK.03/2016 In accordance with FSA Regulation No. 27/
tentang Uji Kemampuan dan Kepatutan (fit and POJK.03/2016 concerning the fit and proper test
proper test) bagi Pihak Utama Lembaga Jasa for Main Parties of Financial Services Institutions,
Keuangan, calon anggota Dewan Komisaris wajib lulus prospective members of the Board of Commissioners
fit and proper test dan memperoleh persetujuan dari must pass the fit and proper test and obtain approval
OJK sebelum menjalankan tugas dan fungsi dalam from the FSA before carrying out their duties and
jabatannya. Adapun uraian terkait fit and proper test functions in their positions. The explanation of the
Dewan Komisaris yang menjabat di akhir tahun 2023 status of the Fit and Proper Test for the Board of
dapat dilihat sebagai berikut: Commissioners who will serve at the end of 2023 can
be explained in the table below.
Nama Jabatan Persetujuan OJK Terkait Uji Kemampuan dan Kepatuhan
Status
Name Position OJK approval on the Fit and Proper Test
Surat OJK No KEP-63/KDK.05/2020 tanggal 23
Komisaris Utama
Lulus September 2020
Loto Srinaita Ginting President
Passed OJK Letter No KEP-63/KDK.05/2020 dated September
Commissioner
23, 2020
Surat OJK No. KEP-39/KDK.05/2022 tanggal 13
Komisaris Lulus September 2022
Umiyatun Hayati Triastuti
Commissioner Passed OJK Letter No. KEP-39/KDK.05/2022 dated September
13, 2022
Komisaris Lulus Surat OJK No. KEP-8/KDK.05/2020 tanggal 3 April 2020
Sudarto
Commissioner Passed OJK Letter No. KEP-8/KDK.05/2020 dated April 3, 2020
Surat OJK No. KEP-56/KDK.05/2020 tanggal 8
Komisaris Lulus September 2020
Rini Widyantini
Commissioner Passed OJK Letter No. KEP-56/KDK.05/2020 dated September
8, 2020
Komisaris Surat OJK No. KEP-55/KDK.05/2020 tanggal 8
Independen Lulus September 2020
Makmur Keliat
Independent Passed OJK Letter No. KEP-55/KDK.05/2020 dated September
Commissioner 8, 2020
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Nama Jabatan Persetujuan OJK Terkait Uji Kemampuan dan Kepatuhan
Status
Name Position OJK approval on the Fit and Proper Test
Komisaris Surat OJK No. KEP-44/KDK.05/2022 tanggal 16
Independen Lulus September 2022
Nezar Patria
Independent Passed OJK Letter No. KEP-44/KDK.05/2022 dated September
Commissioner 16, 2022
Komisaris Surat OJK No. KEP-40/KDK.05/2022 tanggal 13
Independen Lulus September 2022
Yudi Priambodo P.
Independent Passed OJK Letter No. KEP-40/KDK.05/2022 dated September
Commissioner 13, 2022
Komisaris
Independen Masih dalam proses fit and proper test
Muhammad Isnaini -
Independent Still in the fit and proper test process
Commissioner
Pedoman dan Tata Tertib Kerja Dewan Guidelines and Work Rules of the
Komisaris Board of Commissioners
Dewan Komisaris telah memiliki panduan dalam The Board of Commissioners has guidance in
memahami peraturan-peraturan yang terkait dengan understanding the regulations on the work procedures
tata kerja Dewan Komisaris sebagaimana diatur dalam of the Board of Commissioners as regulated in the
BOC Charter yang telah ditetapkan melalui Keputusan BOC Charter which has been stipulated through
Dewan Komisaris No. KEP-15/KP/DK.GD/12/2021 Decree of the Board of Commissioners No. KEP-
tanggal 31 Desember 2021 tentang Pedoman dan Tata 15/KP/DK.GD/12/2021 dated December 31, 2021
Tertib Kerja Dewan Komisaris PT Pegadaian. concerning Guidelines and Work Rules for the Board
of Commissioners of PT Pegadaian.
BOC Charter disusun berdasarkan prinsip-prinsip BOC Charter is prepared based on the principles of
hukum korporasi, ketentuan Anggaran Dasar, peraturan corporate law, provisions of the Articles of Association,
dan ketentuan perundang-undangan yang berlaku, applicable laws and regulations, Shareholders’
arahan Pemegang Saham serta praktik-praktik terbaik directives and best practices of Good Corporate
(best practices) Good Corporate Governance. Governance.
Dengan adanya BOC Charter diharapkan With the existence of the BOC Charter, it is expected
mempermudah Dewan Komisaris memahami that it will make it easier for the Board of Commissioners
peraturan-peraturan yang terkait dengan tata kerja to understand the regulations related to the work
Dewan Komisaris, menghilangkan praktik pengambilan procedures of the Board of Commissioners, eliminate
keputusan berdasarkan kebiasaan (yang tidak tertulis) the practice of decision-making based on habit (which
serta memperjelas tingkat akuntabilitas dalam is not written) and clarify the level of accountability
pengambilan keputusan. Aspek yang diatur dalam in decision-making. Aspects regulated in BOC Charter
BOC Charter Dewan Komisaris meliputi: include:
1. Kebijakan Umum dan Persyaratan Anggota Dewan 1. General Policy and Requirements for Members of
Komisaris; the Board of Commissioners;
2. Keanggotaan Dewan Komisaris; 2. Membership of the Board of Commissioners;
3. Tugas dan Kewajiban Dewan Komisaris; 3. Duties and Obligations of the Board of
Commissioners;
4. Wewenang dan Hak Dewan Komisaris; 4. Authorities and Rights of the Board of
Commissioners;
5. Rapat Dewan Komisaris; 5. Meeting of the Board of Commissioners;
6. Prinsip-prinsip Pengambilan Keputusan Dewan 6. Decision Making Principles of the Board of
Komisaris; Commissioners;
7. Program Pengenalan dan Peningkatan Kapabilitas; 7. Capability Recognition and Improvement Program;
8. Evaluasi Kinerja Dewan Komisaris; 8. Evaluation of the performance of the Board of
Commissioners;
9. Sekretaris Dewan Komisaris; 9. Secretary to the Board of Commissioners;
10. Komite-komite di bawah Dewan Komisaris; 10. Committees under the Board of Commissioners;
11. Etika Jabatan Dewan Komisaris. 11. Occupational Ethics of the Board of Commissioners.
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Tata Kelola Perusahaan
Corporate Governance
Tugas dan Tanggung Jawab Dewan Duties and Responsibilities of the
Komisaris Board of Commissioners
Sesuai dengan Undang-Undang No. 40 Tahun 2007, In accordance with Law No. 40 of 2007, the Company’s
Anggaran Dasar Perseroan dan Pedoman dan Tata Articles of Association and the Board Manual, the
Tertib Kerja Dewan Komisaris (BOC Charter), Dewan Board of Commissioners has two main tasks, namely to
Komisaris memiliki dua tugas pokok yaitu melakukan supervise and provide direction or advice to the Board
pengawasan dan memberikan arahan atau nasihat of Directors regarding the Company’s operations. On
kepada Direksi terkait jalannya operasional Perseroan. the other hand, the Board of Commissioners also
Di sisi lain, Dewan Komisaris juga memiliki kewenangan has the authority to ensure that the running of the
untuk memastikan bahwa jalannya Perseroan sesuai Company is in accordance with the directions given
dengan arahan yang diberikan RUPS. by the GMS.
Tugas Dewan Komisaris antara lain: The duties of the Board of Commissioners, among
others:
1. Dewan Komisaris wajib melakukan pengawasan 1. The Board of Commissioners is obliged to supervise
penerapan tata kelola Perseroan yang baik the implementation of good corporate governance
terselenggara dalam setiap kegiatan usaha Perseroan in every business activity of the company at all
pada seluruh tingkatan atau jenjang organisasi levels or organizational levels in the company and
di Perseroan serta melakukan evaluasi terhadap to evaluate the integrated corporate governance
kebijakan tata Kelola Perseroan secara terintegrasi. policies.
2. Dewan Komisaris bertugas melakukan 2. The Board of Commissioners is tasked with
pengawasan terhadap kebijakan pengurusan, supervising management policies, and the general
jalannya pengurusan pada umumnya baik management of both the Company and the
mengenai Perseroan maupun usaha Perseroan Company’s business carried out by the Directors.
yang dilakukan oleh Direksi.
3. Dewan Komisaris melakukan pembagian tugas 3. The Board of Commissioners performs a division of
dengan fokus area sesuai dengan keahlian yang duties with focus areas according to their expertise
dimiliki untuk mengoptimalkan kontribusi setiap to optimize the contribution of each member
anggota Dewan Komisaris dalam pelaksanaan of the Board of Commissioners in carrying out
tugas pengawasan dan pemberian nasihat, supervisory and advisory duties, which includes
yang mencakup namun tidak terbatas pada but is not limited to the Company’s operational
area operasional dan pengembangan bisnis and business development areas, implementation
Perseroan, pelaksanaan misi agen pembangunan, of Development Agent missions, development of
pengembangan ilmu pengetahuan, penegakan knowledge, enforcement of laws and regulations,
hukum dan peraturan perundangan, pengembangan development of human resources, optimization of
Sumber Daya Manusia, optimalisasi teknologi dan technology and information, and others deemed
informasi, dan lain-lain yang dinilai perlu. necessary.
4. Memberikan nasihat kepada Direksi dalam 4. Provide advice to the Board of Directors in carrying
melaksanakan pengurusan Perseroan. out the management of the Company.
5. Memberikan pendapat dan persetujuan Rencana 5. Provide opinion and approval of the Company’s
Kerja dan Anggaran Tahunan Perseroan serta Annual Work Plan and Budget and other work plans
rencana kerja lainnya yang disiapkan Direksi, sesuai prepared by the Board of Directors, in accordance
dengan ketentuan Anggaran Dasar. with the provisions of the Articles of Association.
6. Dewan Komisaris wajib mengarahkan, memantau, 6. The Board of Commissioners must direct, monitor,
dan mengevaluasi pelaksanaan kebijakan strategis and evaluate the implementation of the Company’s
Perseroan telah sesuai dengan ketentuan yang strategic policies in accordance with applicable
berlaku di antaranya Tingkat Kesehatan Perseroan, regulations including the Company’s Soundness
Strategi Anti Fraud, penerapan Anti Pencucian Level, Anti-Fraud Strategy, Implementation
Uang dan Pencegahan Pendanaan Terorisme (APU of Anti-Money Laundering and Prevention of
PPT), Whistleblowing System, Transaksi kepada Terrorism Funding (APU PPT), Whistleblowing
Pihak Terkait, Batas Maksimum Pemberian Kredit System, Transactions with Related Parties, Limits
(BMPK), dan strategi Perseroan lainnya sesuai Maximum Credit Provision (BMPK), and other
dengan ketentuan yang berlaku. Company strategies in accordance with applicable
regulations.
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7. Dewan Komisaris dilarang ikut serta dalam 7. The Board of Commissioners is prohibited from
pengambilan keputusan kegiatan operasional participating in making decisions about the
Perseroan, kecuali: Company’s operational activities, except for:
a. Penyediaan dana kepada pihak terkait a. Provision of funds to related parties as regulated
sebagaimana diatur dalam ketentuan mengenai in the provisions on the Limits Maximum Credit
Batas Maksimum Pemberian Kredit; dan Provision; and
b. Hal-hal lain yang ditetapkan dalam Anggaran b. Other matters stipulated in the Company’s
Dasar Perseroan atau peraturan perundang- Articles of Association or statutory regulations.
undangan.
8. Pengambilan keputusan kegiatan operasional 8. Making decisions on the Company’s operational
Perseroan oleh Dewan Komisaris sebagaimana activities by the Board of Commissioners as
dimaksud pada ayat (7) di atas merupakan bagian referred to in paragraph (7) above is part of the
dari tugas pengawasan oleh Dewan Komisaris supervisory duties of the Board of Commissioners
sehingga tidak meniadakan tanggung jawab so as not to negate the responsibility of the
Direksi atas pelaksanaan kepengurusan Perseroan. Board of Directors for the implementation of the
management of the Company.
9. Mengusulkan kepada RUPS penunjukan Akuntan 9. Propose to the GMS the appointment of a Public
Publik yang akan melakukan pemeriksaan atas Accountant who will conduct an audit of the
buku Perseroan. Company’s books.
10. Dewan Komisaris wajib melakukan pengawasan 10. The Board of Commissioners is required to
bahwa Direksi telah menindaklanjuti temuan audit supervise that the Board of Directors has followed
dan rekomendasi dari Satuan Kerja Audit Intern, up on audit f indings and recommendations from
Auditor Ekstern, hasil pengawasan Otoritas Jasa the Internal Audit Work Unit, External Auditor, the
Keuangan dan/atau hasil pengawasan otoritas results of supervision by the Financial Services
lainnya. Authority and/or the results of supervision by
other authorities.
11. Dewan Komisaris wajib melakukan evaluasi 11. The Board of Commissioners is required to evaluate
terhadap kinerja Komite Dewan Komisaris yang the performance of the Committees of the Board
membantu pelaksanaan tugas dan tanggung of Commissioners which assist in carrying out
jawabnya setiap akhir tahun buku. their duties and responsibilities at the end of each
financial year.
12. Melaporkan kepada RUPS apabila terjadi gejala 12. Report to the GMS if there are symptoms
penurunan kinerja Perseroan dengan disertai saran of a decline in the Company’s performance
mengenai langkah perbaikan yang harus ditempuh. accompanied by suggestions regarding corrective
steps that must be taken.
13. Memberikan tanggapan terhadap penetapan 13. Provide response to the determination of the
Dewan Pengawas Syariah dan memberi persetujuan Sharia Supervisory Board and give approval for
remunerasi Dewan Pengawas Syariah. the remuneration of the Sharia Supervisory Board.
14. Menyusun rencana kerja dan anggaran tahunan 14. Arrange the work plan and annual budget of the
Dewan Komisaris. Board of Commissioners
15. 1Melakukan tugas-tugas pengawasan lainnya yang 15. Carry out other supervisory duties determined by
ditentukan oleh RUPS dan peraturan perundang- the GMS and laws and regulations.
undangan.
Dalam melaksanakan tugasnya, Dewan Komisaris In carrying out its duties, the Board of Commissioners
memiliki tanggung jawab atau berkewajiban terkait: has responsibilities or obligations related to:
1. Rapat Umum Pemegang Saham (RUPS); 1. General Meeting of Shareholders (GMS);
2. Strategi dan Rencana Kerja; 2. Strategy and Work Plan;
3. Fungsi Pengawasan; 3. Supervisory function;
4. Nominasi Anggota Direksi Perseroan; 4. Nomination of Members of the Board of Directors
of the Company;
5. Remunerasi; 5. Remuneration;
6. Pencalonan Anggota Dewan Komisaris dan Direksi 6. Nomination of Members of the Board of
Anak Perseroan yang memberikan kontribusi Commissioners and the Board of Directors of the
signifikan dan/atau bernilai strategis; Company’s Subsidiaries who make significant
contributions and/or have strategic value;
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Tata Kelola Perusahaan
Corporate Governance
7. Evaluasi kinerja Dewan Komisaris dan Direksi; 7. Evaluation of the performance of the Board of
Commissioners and Directors;
8. Pengawasan Penerapan Manajemen Risiko, 8. Supervision of Risk Management Implementation,
Sistem Pengendalian Internal, Keterbukaan dan Internal Control System, Information Disclosure,
Kerahasiaan Informasi. and Confidentiality
Tugas lainnya seperti: Other duties such as:
1. Menyusun program kerja dan anggaran tahunan 1. Prepare work programs and annual budgets and
dan dimasukan dalam RKAP; include them in the RKAP;
2. Membuat risalah rapat Dewan Komisaris dan 2. Making minutes of meetings of the Board of
menyimpan salinannya; Commissioners and keeping the copies;
3. Melaporkan kepada Perseroan mengenai 3. Report to the Company on their and/or family’s
kepemilikan sahamnya dan/atau keluarganya pada share ownership in the Company and other
Perseroan dan Perseroan lain; Companies;
4. Melaksanakan kewajiban lainnya dalam rangka 4. Other obligations within the framework of the
tugas pengawasan dan pemberian nasihat, supervisory mandate and providing advice, as long
sepanjang tidak bertentangan dengan peraturan as they do not conflict with laws and regulations,
perundang-undangan, Anggaran Dasar dan/atau the Articles of Association, and/or GMS resolutions.
keputusan RUPS.
Wewenang Dewan Komisaris Authorities of the Board of
Commissioners
Sesuai ketentuan Anggaran Dasar Perseroan dan In accordance with the provisions of the Company’s
Pedoman dan Tata Tertib Kerja Dewan Komisaris Articles of Association and the Board of Commissioners’
(BOC Charter) wewenang Dewan Komisaris antara lain Work Guidelines and Rules (BOC Charter), the
meliputi: authorities of the Board of Commissioners includes,
among other things:
1. Melihat buku-buku, surat-surat, serta dokumen- 1. Look at books, letters and other documents, check
dokumen lainnya, memeriksa kas untuk keperluan cash for verification purposes and other securities
verifikasi dan lain-lain surat berharga dan and check the assets of the Company;
memeriksa kekayaan Perseroan;
2. Memasuki pekarangan gedung dan kantor yang 2. Entering the building and office grounds used by
dipergunakan oleh Perseroan; the Company;
3. Meminta penjelasan dari Direksi dan/atau 3. Request an explanation from the Board of Directors
pejabat lainnya mengenai segala persoalan yang and/or other officials regarding all issues related to
menyangkut pengelolaan Perseroan; the management of the Company;
4. Mengetahui segala kebijakan dan tindakan yang 4. Know all policies and actions that have been and
telah dan akan dijalankan oleh Direksi; will be carried out by the Board of Directors;
5. Meminta Direksi dan/atau pejabat lainnya di bawah 5. Requesting the Board of Directors and/or other
Direksi dengan sepengetahuan Direksi untuk officials under the Board of Directors with the
menghadiri rapat Dewan Komisaris; notification to the Board of Directors to attend the
meetings of the Board of Commissioners;
6. Mengangkat dan memberhentikan Sekretaris 6. Appoint and dismiss the Secretary of the Board of
Dewan Komisaris jika dianggap perlu; Commissioners if deemed necessary;
7. Membentuk Komite-komite lain selain Komite 7. Establish committees other than the Audit
Audit, jika dianggap perlu dengan memperhatikan Committee, if deemed necessary by considering
kemampuan Perseroan; the Company’s capabilities;
8. Menggunakan Tenaga Ahli untuk hal-hal tertentu 8. Using Experts for certain subjects and within
dan dalam jangka waktu tertentu atas beban a certain period of time at the expense of the
Perseroan, jika dianggap perlu; Company, if deemed necessary;
9. Memberikan persetujuan atas usulan Direksi untuk 9. Give approval on the suggestions of the Board
perbuatan-perbuatan sebagaimana yang diatur of Directors for actions as stipulated in the BOC
dalam Pedoman dan Tata Tertib Kerja Dewan Charter;
Komisaris (BOC Charter);
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10. Memberikan tanggapan atas usulan Direksi untuk 10. Provide responses to the Board of Directors’
mendapatkan persetujuan RUPS atas perbuatan- suggestions to obtain GMS approval for actions as
perbuatan sebagaimana yang diatur dalam stipulated in the BOC Charter.
Pedoman dan Tata Tertib Kerja Dewan Komisaris
(BOC Charter).
Pembidangan Tugas Pengawasan Division of Supervisory Duties of the
Dewan Komisaris Board of Commissioners
Perseroan telah membagi fokus tugas pengawasan The Company has divided the supervisory duties
masing-masing anggota Dewan Komisaris untuk for each member of the Board of Commissioners
tahun 2023, berdasarkan Keputusan Dewan Komisaris for 2023, based on the Decree of the Board of
Nomor: KEP-12/KP/DK.GD/10/2022 tanggal 31 Commissioners No: KEP-12/KP/DK.GD/10/2022
Oktober 2022 tentang Pembagian Tugas Anggota- dated October 31, 2022 concerning the Division of
Anggota Dewan Komisaris PT Pegadaian. Berdasarkan Duties of Members of the Board of Commissioners
Keputusan tersebut, masih terdapat Komisaris of PT Pegadaian. Based on this decision, there is still
Independen a.n. Muhammad Isnaini yang belum Independent Commissioner, Muhammad Isnaini, who
memiliki pembidangan tugas pengawasan karena does not yet have a supervisory role because he is still
yang bersangkutan masih dalam proses fit and proper in the fit and proper test process with the Financial
test Otoritas Jasa Keuangan. Adapun Pembidangan Services Authority. The division of duties of the Board
tugas Dewan Komisaris senantiasa disesuaikan of Commissioners is always adjusted to the dismissal
dengan adanya pemberhentian dan pengangkatan and appointment of the Board of Commissioners.
Dewan Komisaris. Pembidangan tugas pengawasan The supervisory duties of members of the Board of
anggota Dewan Komisaris untuk tahun 2023 adalah Commissioners for 2023 are as follows:
sebagai berikut:
Pembidangan Tugas Pengawasan Dewan Komisaris Tahun 2023
Division of Supervisory Duties of the Board of Commissioners in 2023
Nama Jabatan
Pembidangan Tugas Pengawasan
Name Position
Komisaris Utama Bidang Pemasaran dan Penjualan
Loto Srinaita Ginting
President Commissioner Marketing and Sales
Bidang IT, SDM, dan Umum, serta Bidang Keuangan, Manajemen
Komisaris Risiko, dan Perencanaan Strategis
Umiyatun Hayati Triastuti
Commissioner IT, HR and General Affairs, as well as Finance, Risk Management
and Strategic Planning
Bidang IT, SDM, dan Umum, serta Bidang Keuangan, Manajemen
Komisaris Risiko, dan Perencanaan Strategis
Sudarto
Commissioner IT, HR and General Affairs, as well as Finance, Risk Management
and Strategic Planning
Komisaris Bidang IT, SDM, dan Umum
Rini Widyantini
Commissioner IT, HR, and General Affairs
Komisaris Independen
Bidang Keuangan, Manajemen Risiko, dan Perencanaan Strategis
Makmur Keliat Independent
Finance, Risk Management and Strategic Planning
Commissioner
Komisaris Independen
Bidang IT, SDM, dan Umum, serta Bidang Pemasaran dan Penjualan
Nezar Patria Independent
IT, HR and General Affairs, as well as Marketing and Sales
Commissioner
Bidang Pemasaran dan Penjualan, serta Bidang Keuangan,
Komisaris Independen
Manajemen Risiko, dan Perencanaan Strategis
Yudi Priambodo P. Independent
Marketing and Sales, as well as Finance, Risk Management and
Commissioner
Strategic Planning
Komisaris Independen
Masih dalam proses fit and proper test
Muhammad Isnaini Independent
Still in the fit and proper test process
Commissioner
PT Pegadaian | 2023 Annual Report 339
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Tata Kelola Perusahaan
Corporate Governance
Independensi Dewan Komisaris Independence of the Board of
Commissioners
Seluruh anggota Dewan Komisaris bertindak All members of the Board of Commissioners act
independen dan bebas intervensi dari pihak manapun. independently and are free from intervention from any
Dewan Komisaris juga diwajibkan untuk melaporkan party. The Board of Commissioners is also required
kepada Perseroan mengenai kepemilikan sahamnya to report to the Company regarding their and/or
dan atau keluarganya di Perseroan dan Perseroan family’s share ownership in the Company and other
lain, termasuk setiap perubahannya guna menjamin Companies, including any amendments to ensure
independensi seluruh anggota Dewan Komisaris. the independence of all members of the Board of
Commissioners.
Dalam menjalankan tugas dan tanggung jawabnya, In carrying out their duties and responsibilities,
setiap anggota Dewan Komisaris bertindak secara each member of the Board of Commissioners acts
independen dalam melaksanakan fungsi dan tugasnya independently in carrying out their functions and
baik secara individual maupun kolegial. Selama duties both individually and collegially. During 2023
tahun 2023 seluruh anggota Dewan Komisaris tidak all members of the Board of Commissioners do not
merangkap jabatan yang dilarang oleh peraturan hold concurrent positions which are prohibited
perundang-undangan yang berlaku tentang by applicable laws and regulations regarding the
pelaksanaan governansi korporat. Pernyataan tidak implementation of GCG. The statement of not having
memiliki benturan kepentingan ditandatangani pada a conflict of interest is signed at the beginning of his
awal pengangkatan sebagai Dewan Komisaris dan appointment as the Board of Commissioners and is
diperbaharui setiap awal tahun sebagai pernyataan renewed at the beginning of each year as a statement
bahwa anggota Dewan Komisaris maupun keluarganya that members of the Board of Commissioners and their
tidak mempunyai kepemilikan saham maupun menjadi families do not own shares or become management
pengurus pada Perseroan maupun kegiatan usaha of the Company or business activities related either
yang berkaitan baik secara langsung maupun tidak directly or indirectly to the Company’s business fields.
langsung dengan bidang usaha Perseroan.
Program Pengenalan Perseroan Company Introduction Program
Sejalan dengan pedoman dan tata tertib kerja Dewan In line with the guidelines and work procedures of the
Komisaris (BOC Charter), Anggota Dewan Komisaris Board of Commissioners (BOC Charter), Members of
yang diangkat untuk pertama kalinya wajib diberikan the Board of Commissioners who are appointed for
program pengenalan. Kegiatan ini dilaksanakan dalam the first time must be given an induction program.
rangka memberikan orientasi kepada anggota Dewan This activity was carried out in order to provide
Komisaris yang baru diangkat agar dapat memahami orientation to newly appointed members of the Board
latar belakang dan kegiatan usaha Perseroan serta of Commissioners so that they can understand the
memahami segala aspek yang terkait dengan peran dan background and business activities of the Company
tanggung jawab pengawasan, sehingga diharapkan and understand all aspects related to the role and
dapat memperlancar tugas Dewan Komisaris secara responsibility of supervision so that it is expected to
efektif. facilitate the duties of the Board of Commissioners
effectively.
Program tersebut diselenggarakan oleh Sekretaris The program is organized by the Corporate Secretary
Perusahaan dengan materi sebagai berikut: with the following materials:
1. Pelaksanaan prinsip-prinsip Good Corporate 1. Implementation of the principles of Good
Governance; Corporate Governance;
2. Gambaran mengenai Perseroan berkaitan 2. An overview of the Company in terms of
dengan tujuan, sifat, dan lingkup kegiatan, kinerja objectives, nature and scope of activities, financial
keuangan dan operasi, strategi, rencana usaha performance and operations, strategy, short-
jangka pendek, jangka panjang, posisi kompetitif, term and long-term business plans, competitive
risiko, pengendalian internal dan masalah-masalah position, risk, internal control and other strategic
strategis lainnya; issues;
340 Laporan Tahunan 2023 | PT Pegadaian
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3. Keterangan berkaitan dengan kewenangan yang 3. Information relating to delegated authority, internal
didelegasikan, audit internal dan eksternal, sistem and external audits, internal control systems
dan kebijakan pengendalian internal serta Komite and policies as well as the Audit Committee
Audit dan Komite Lain yang dibentuk Dewan and Other Committees formed by the Board of
Komisaris; Commissioners;
4. Keterangan mengenai kewajiban, tugas, tanggung 4. Information regarding the obligations, duties,
jawab dan hak-hak Dewan Komisaris dan Direksi responsibilities and rights of the Board of
serta hal-hal yang tidak diperbolehkan; Commissioners and Board of Directors as well as
things that are not permitted;
5. Pemahaman terkait dengan prinsip etika dan 5. Understanding of the ethical principles and norms
norma yang berlaku di lingkungan Perseroan serta that apply within the Company and the local
masyarakat setempat. community.
Di tahun 2023, Perseroan telah melaksanakan program In 2023, the Company has implemented introduction
pengenalan kepada Komisaris Independen baru, yaitu program for the new Independent Commissioner,
Muhammad Isnaini yang dilaksanakan pada tanggal Muhammad Isnaini, which was held on November 3,
03 November 2023 bertempat di Kantor Pusat PT 2023 at the PT Pegadaian Head Office.
Pegadaian.
Peningkatan Kompetensi Dewan Competency Improvement of the
Komisaris Board of Commissioners
Perseroan senantiasa memfasilitasi pelaksanaan The Company always facilitates the implementation
program pengembangan sumber daya manusia of human resource development programs from the
mulai dari level teratas hingga bawah sebagai bentuk top to the bottom level as a form of the Company’s
komitmen Perseroan dalam menciptakan SDM yang commitment to creating superior and competitive
unggul dan berdaya saing. Kebijakan mengenai human resources. The policies regarding the capability
program peningkatan kapabilitas bagi Dewan improvement program for the Board of Commissioners
Komisaris adalah sebagai berikut: are as follows:
1. Program peningkatan kapabilitas dilaksanakan 1. The capability improvement program is carried out
dalam rangka meningkatkan efektivitas kerja in order to increase the effectiveness of the work
Dewan Komisaris. of the Board of Commissioners.
2. Rencana untuk melakukan program peningkatan 2. Plans to carry out a capability improvement
kapabilitas harus dimasukkan dalam Rencana program must be included in the Work and Budget
Kerja dan Anggaran Dewan Komisaris. Plan of the Board of Commissioners.
3. Setiap Anggota Dewan Komisaris yang mengikuti 3. Each Member of the Board of Commissioners who
program peningkatan kapabilitas seperti seminar participates in capability improvement programs
dan pelatihan diwajibkan menyajikan presentasi such as seminars and training is required to present
kepada Anggota Dewan Komisaris lain dalam presentations to other Members of the Board of
rangka berbagi informasi dan pengetahuan. Commissioners in order to share information and
knowledge.
4. Anggota Dewan Komisaris yang bersangkutan 4. The member of the Board of Commissioners
bertanggung jawab untuk membuat laporan concerned is responsible for preparing a report on
tentang pelaksanaan program peningkatan the implementation of the capability improvement
kapabilitas. Laporan tersebut disampaikan kepada program. The report is submitted to the Board of
Dewan Komisaris. Commissioners.
5. Biaya program peningkatan kompetensi bagi 5. The cost of the competency improvement
Dewan Komisaris sepenuhnya menjadi tanggung program for the Board of Commissioners is fully
jawab Perseroan. the responsibility of the Company.
Kegiatan peningkatan kompetensi yang diikuti oleh Competency improvement activities participated in
Dewan Komisaris sepanjang tahun 2023 dapat dilihat by the Board of Commissioners throughout 2023 can
pada bab Profil Perusahaan dalam Laporan Tahunan be seen in the Company Profile chapter in this Annual
ini. Report.
PT Pegadaian | 2023 Annual Report 341
Page 342
Tata Kelola Perusahaan
Corporate Governance
Laporan Singkat Pelaksanaan Brief Report on the Implementation
Tugas dan Tanggung Jawab Dewan of Duties and Responsibilities of the
Komisaris Tahun 2023 Board of Commissioners for 2023
Sepanjang tahun 2023, Dewan Komisaris telah Throughout 2023, the Board of Commissioners has
mengarahkan, memantau dan mengevaluasi directed, monitored and evaluated the implementation
pelaksanaan kebijakan strategis sebagai bentuk tugas of strategic policies as a form of supervisory duties of
pengawasan Dewan Komisaris yang meliputi: the Board of Commissioners which include:
1. Rapat Dewan Komisaris Pelaksanaan 1. Implementation of Meeting of the Board of
Commissioners
Rapat Dewan Komisaris selama tahun 2023 terkait The Board of Commissioners’ meetings during 2023
dengan frekuensi, agenda, dan peserta Rapat on the frequency, agenda and meeting participants
dibahas lebih lanjut pada Bab tersendiri dengan are discussed further in separate chapter entitled
Judul Rapat Dewan Komisaris dan Direksi pada Bab Meetings of the Board of Commissioners and the
Tata Kelola Perusahaan pada Laporan Tahunan ini. Board of Directors in the Corporate Governance
Chapter of this Annual Report.
2. Persetujuan dan Tanggapan Dewan Komisaris 2. Approval and Response from the Board of
Commissioners
Selama tahun 2023, Dewan Komisaris telah During 2023, the Board of Commissioners has
memberikan persetujuan/tanggapan kepada provided approval/response to Shareholders
Pemegang Saham dan Direksi. Persetujuan dan and the Board of Directors. The approval and
Tanggapan Dewan Komisaris terkait pelaksanaan response of the Board of Commissioners on the
fungsi pengawasan dan penasihatan yang telah implementation of supervisory and advisory
dijalankan antara lain sebagai berikut: functions that have been carried out include the
following:
Tabel Keputusan Direksi yang Perlu Mendapat Persetujuan Dewan Komisaris di Tahun 2023
Table of Board of Directors' Decisions that Need to Obtain Board of Commissioners Approval in 2023
No. Surat Tanggal Perihal
No.
Letter Number Date Subject
Penyampaian Usulan Nama Kantor Akuntan Publik untuk
11 Januari 2023 Mengaudit Laporan Keuangan Tahun 2023
1. 006/S-00012.00/2023
January 11, 2023 Submission of Proposed Name of Public Accounting Firm
to Audit the 2023 Financial Statements
Laporan Penerapan Sistem Manajemen Anti Penyuapan
12 Januari 2023 (SMAP) Tahun 2022 dan Rencana Kerja SMAP Tahun 2023
2. 07/00025.00/2023
January 12, 2023 Anti-Bribery Management System (SMAP) Implementation
Report for 2022 and SMAP Work Plan for 2023
Permohonan Tanggapan Tertulis Perihal Rencana Divestasi
20 Januari 2023 PT Pesonna Optima Jasa dan PT Pesonna Indonesia Jaya
3. 11/00033.00/2023
January 20, 2023 Request for Written Response on the Divestment Plan of
PT Pesonna Optima Jasa and PT Pesonna Indonesia Jaya
Permohonan Persetujuan Penghapusbukuan Piutang Bisnis
21 Maret 2023 Tahun 2023
4. 155-B/00038.00/2023
March 21, 2023 Application for Approval to Write Off Business
Receivables in 2023
Penyampaian Term of Reference (TOR) Pengadaan Kantor
10 Mei 2023 Akuntan Publik (KAP) Tahun 2023
5. 068/S-00012.00/2023
May 10, 2023 Submission of Terms of Reference (TOR) for the
Procurement of a Public Accounting Firm (KAP) in 2023
17 Juni 2023 Persetujuan KPI Direksi Individual Tahun 2023
6. 32/00035.00/2023
June 17, 2023 Approval of KPI for Individual Directors in 2023
Permohonan Persetujuan Penghapusbukuan Piutang Bisnis
29 September 2023 Tahap II Tahun 2023
7. 386-B/00038.00/2023
September 29, 2023 Application for Approval to Write Off Business
Receivables Phase II in 2023
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Tabel Keputusan Direksi yang Perlu Mendapat Persetujuan Dewan Komisaris di Tahun 2023
Table of Board of Directors' Decisions that Need to Obtain Board of Commissioners Approval in 2023
No. Surat Tanggal Perihal
No.
Letter Number Date Subject
Permohonan Tanggapan Tertulis atas Usulan Calon
Anggota Dewan Komisaris dan Anggota Direksi pada
Anak Perusahaan (PT Pesonna Indonesia Jaya)
5 Oktober 2023
8. 1482/00027.00/2023 Request for Written Response to Suggestions for
October 5, 2023
Candidates for Members of the Board of Commissioners
and Members of the Board of Directors at Subsidiaries (PT
Pesonna Indonesia Jaya)
Surat Permohonan Persetujuan Dewan Komisaris terkait
Rencana Aksi Keuangan Berkelanjutan PT Pegadaian
22 November 2023 Tahun 2024
9. 488-S/00026.01/2023
November 22, 2023 Letter of Request for Approval from the Board of
Commissioners on PT Pegadaian's 2024 Sustainable
Financial Action Plan
Permohonan Persetujuan Tertulis Dewan Komisaris
Terkait Penerbitan Obligasi, Sukuk, Efek yang bersifat
Berkelanjutan, MTN, SBK dan Surat Utang Lainnya
8 Desember 2023
10. 2724/00023.00/2023 Request for Written Approval from the Board of
December 8, 2023
Commissioners on the Issuance of Bonds, Sukuk,
Sustainable Securities, MTN, SBK and Other Debt
Securities
3. Kunjungan Kerja Dewan Komisaris 3. Work Visit of the Board of Commissioners
Untuk mendorong dan memberikan motivasi To encourage and provide motivation to all units
kepada seluruh unit dan untuk mendapatkan and to obtain an overview of the Company’s
gambaran atas kemajuan/perkembangan real operational progress/development in the
operasional Perseroan secara nyata di lapangan, field, the Board of Commissioners conducts
maka Dewan Komisaris melakukan pengamatan direct observations/visits to Branch Offices. The
langsung/kunjungan ke Kantor Cabang. Berikut following is a list of the Board of Commissioners’
daftar kunjungan kerja Dewan Komisaris tahun work visits in 2023:
2023:
Tabel Kunjungan Kerja Dewan Komisaris tahun 2023
Table of the 2023 Board of Commissioners Official Visit
Nama Dewan
Komisaris
Tanggal Tujuan Perihal
No. Name of the
Date Objective Agenda
Board of
Commissioners
1. Loto Srinaita 19 Januari 2023 Kanwil X Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
Ginting January 19, 2023 Bandung Wilayah X Bandung
Virtual Working Visit of the Board of Commissioners to
Regional Office X Bandung
07 s.d. 08 Solo Menghadiri Undangan Rapat Koordinasi Terbatas (Rakortas)
Februari 2023 Manajemen Risiko PT Pegadaian di Solo
February 7-8, Attended the Limited Coordination Meeting (Rakortas) PT
2023 Pegadaian Risk Management Invitation in Solo
13 s.d. 15 Solo Menghadiri Undangan Rapat Kerja Nasional Satuan
Februari 2023 Pengawasan Intern (SPI) PT Pegadaian Tahun 2023 di Solo
February 13-15, serta Monitoring Implementasi Holding Ultra Mikro (Outlet
2023 SenyuM) dan Kunjungan Kerja ke Outlet Pegadaian dan
Pengelolaan UMKM di Area Kanwil XI Semarang
Attending the Invitation to the 2023 PT Pegadaian Internal
Audit Unit (SPI) National Work Meeting in Solo as well
as Monitoring the Implementation of Ultra Micro Holding
(Outlet SenyuM) and Working Visits to Pegadaian Outlets
and MSME Management in the Regional Office Area XI
Semarang
PT Pegadaian | 2023 Annual Report 343
Page 344
Tata Kelola Perusahaan
Corporate Governance
Tabel Kunjungan Kerja Dewan Komisaris tahun 2023
Table of the 2023 Board of Commissioners Official Visit
Nama Dewan
Komisaris
Tanggal Tujuan Perihal
No. Name of the
Date Objective Agenda
Board of
Commissioners
17 Februari 2023 Kanwil VI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
February 17, Makassar Wilayah VI Makassar
2023 Virtual Working Visit of the Board of Commissioners to
Regional Office VI Makassar
23 s.d. 27 Kanwil I Monitoring Implementasi Holding Ultra Mikro (Outlet
Februari 2023 Medan SenyuM) serta Kunjungan Kerja ke Outlet Pegadaian dan
23 to 27 Pengelolaan UMKM di Kanwil I Medan
February 2023 Monitoring the Implementation of Ultra Micro Holding
(SenyuM Outlet) as well as Working Visits to Pegadaian
Outlets and MSME Management at Kanwil I Medan
05 s.d. 06 Maret Solo Kunjungan Kerja Dewan Komisaris ke Solo -Area Kanwil XI
2023 Semarang PT Pegadaian
March 5-6, 2023 Board of Commissioners Working Visit to Solo - Kanwil XI
Semarang Area of PT Pegadaian
10 Maret 2023 Kanwil III Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
March 10, 2023 Palembang Wilayah III Palembang
Virtual Working Visit of the Board of Commissioners to
Palembang Regional Office III
14 April 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
April 14, 2023 Semarang Wilayah XI Semarang
Virtual Working Visit of the Board of Commissioners to
Semarang Regional XI Office
15 s.d. 18 Mei Kanwil I Monitoring Implementasi Holding Ultra Mikro (Outlet
2023 Medan SenyuM) serta Kunjungan Kerja ke Outlet Pegadaian dan
May 15-18, 2023 Pengelolaan UMKM di Kanwil I Medan
2023 Monitoring the Implementation of Ultra Micro Holding
(SenyuM Outlet) as well as Working Visits to Pawnshop
Outlets and MSME Management at Kanwil I Medan
26 s.d. 28 Juni Aceh Menghadiri Undangan Acara Kick Off Pelaksanaan
2023 Rekomendasi Penyelesaian Non Yudisial Pelanggaran Hak
June 26-28, Asasi Manusia (HAM) yang Berat oleh Presiden RI serta
2023 Kunjungan Kerja ke Outlet Pegadaian dan Pengelolaan
UMKM di Area Aceh -Kanwil I Medan
Attending the Invitation to the Kick Off Event for the
Implementation of Recommendations for Non-Judicial
Resolution of Serious Human Rights Violations by the
President of the Republic of Indonesia as well as a Working
Visit to Pegadaian Outlets and MSME Management in the
Aceh Area - Regional Office I Medan
04 Juli 2023 Kanwil V Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
July 04, 2023 Manado Wilayah V Manado
Virtual Working Visit of the Board of Commissioners to
Manado Regional Office V
28 Juli 2023 Kanwil II Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
July 28, 2023 Pekanbaru Wilayah II Pekanbaru
Virtual Working Visit of the Board of Commissioners to
Pekanbaru Regional Office II
01 s.d. 04 Kanwil IV Monitoring Implementasi Holding Ultra Mikro (Outlet
Agustus 2023 Balikpapan SenyuM) serta Kunjungan Kerja ke Outlet Pegadaian dan
August 1-4, 2023 Pengelolaan UMKM di Kanwil IV Balikpapan
Monitoring the Implementation of Ultra Micro Holding
(SenyuM Outlet) as well as Working Visits to Pegadaian
Outlets and MSME Management at Regional Office IV
Balikpapan
10 s.d. 12 Solo Kegiatan Road to Indonesia Startup Ecosystem Summit 2023
Agustus 2023 dan Peringatan Puncak Acara hari UMKM Nasional 2023
August 10-12, Road to Indonesia Startup Ecosystem Summit 2023
2023 Activities and Commemoration of the Main Event of National
MSME Day 2023
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Page 345
Tabel Kunjungan Kerja Dewan Komisaris tahun 2023
Table of the 2023 Board of Commissioners Official Visit
Nama Dewan
Komisaris
Tanggal Tujuan Perihal
No. Name of the
Date Objective Agenda
Board of
Commissioners
15 s.d. 17 Malang Monitoring Implementasi Holding Ultra Mikro (Outlet
Agustus 2023 SenyuM) serta Kunjungan Kerja ke Outlet Pegadaian dan
August 15-17, Pengelolaan UMKM di Wilayah Area Malang, Kanwil XII
2023 Surabaya
Monitoring the Implementation of Ultra Micro Holding
(SenyuM Outlet) as well as Working Visits to Pegadaian
Outlets and MSME Management in the Malang Area,
Regional Office XII Surabaya
08 September Kanwil IV Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Balikpapan Wilayah IV Balikpapan
September 8, Virtual Working Visit of the Board of Commissioners to the
2023 Balikpapan Region IV Office
28 s.d. 30 Malang Menghadiri Rapat Koordinasi Dewan Komisaris dan Direksi
September 2023 PT Pegadaian Tahun 2023
September 28- Attend the Coordination Meeting of the Board of
30, 2023 Commissioners and Board of Directors of PT Pegadaian in
2023
19 Oktober 2023 Kanwil XII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
October 19, Surabaya Wilayah II Surabaya
2023 Virtual Working Visit of the Board of Commissioners to
Regional Office II Surabaya
31 Oktober 2023 Kanwil I Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
October 31, Medan Wilayah I Medan
2023 Virtual Working Visit of the Board of Commissioners to
Medan Regional I Office
24 November Kanwil VIII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Jakarta 1 Wilayah VIII Jakarta 1
November 24, Virtual Working Visit of the Board of Commissioners to
2023 Regional Office VIII Jakarta 1
14 Desember Kanwil IX Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Jakarta 2 Wilayah IX Jakarta 2
December 14, Virtual Working Visit of the Board of Commissioners to
2023 Regional Office IX Jakarta 2
19 Desember Kanwil X Menghadiri Acara Pegadaian Impact festival serta Kunjungan
2023 Bandung Kerja ke Outlet Pegadaian dan Pengelolaan UMKM di Area
December 19, Kanwil X Bandung
2023 Attending the Pegadaian Impact festival as well as working
visits to pawnshop outlets and MSME management in the
Kanwil X Bandung area
20 s.d. 23 Klaten dan Menghadiri Acara Klaten Paten Lurik Pedan Fashion Fair
Desember 2023 Yogyakarta serta Kunjungan Kerja ke Outlet Pegadaian dan Pengelolaan
December 20- UMKM di Area Klaten dan Yogyakarta, Kanwil XI Semarang
23, 2023 Attended the Klaten Paten Lurik Pedan Fashion Fair and
Work Visits to Pegadaian Outlets and MSME Management
in the Klaten and Yogyakarta Areas, Regional Office XI
Semarang
27 Desember Kanwil VII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Denpasar Wilayah VII Denpasar
December 27, Virtual Working Visit of the Board of Commissioners to
2023 Denpasar Region VII Office
2. Umiyatun 19 Januari 2023 Kanwil X Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
Hayati Triastuti January 19, 2023 Bandung Wilayah X Bandung
Virtual Working Visit of the Board of Commissioners to
Regional Office X Bandung
04 Februari Sukabumi Kunjungan Kerja Dewan Komisaris ke Wilayah Area
2023 Sukabumi Kanwil Jakarta I PT Pegadaian
February 4, Working Visit of the Board of Commissioners to the
2023 Sukabumi Area Jakarta Regional Office I of PT Pegadaian
17 Februari 2023 Kanwil VI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
February 17, Makassar Wilayah VI Makassar
2023 Virtual Working Visit of the Board of Commissioners to
Regional Office VI Makassar
PT Pegadaian | 2023 Annual Report 345
Page 346
Tata Kelola Perusahaan
Corporate Governance
Tabel Kunjungan Kerja Dewan Komisaris tahun 2023
Table of the 2023 Board of Commissioners Official Visit
Nama Dewan
Komisaris
Tanggal Tujuan Perihal
No. Name of the
Date Objective Agenda
Board of
Commissioners
24 s.d. 25 Kanwil XI Kunjungan Kerja Dewan Komisaris ke Area Kanwil XI
Februari 2023 Semarang Semarang PT Pegadaian
February 24-25, Board of Commissioners Working Visit to Area Kanwil XI
2023 Semarang of PT Pegadaian
10 Maret 2023 Kanwil III Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
March 10, 2023 Palembang Wilayah III Palembang
Virtual Working Visit of the Board of Commissioners to
Palembang Regional Office III
14 April 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
April 14, 2023 Semarang Wilayah XI Semarang
Virtual Working Visit of the Board of Commissioners to
Semarang Region XI Office
23 s.d. 24 Mei Kanwil VII Kunjungan Kerja Dewan Komisaris ke Area Kanwil VII
2023 Denpasar Denpasar PT Pegadaian
May 23-24, 2023 Board of Commissioners Working Visit to Area Kanwil VII
Denpasar of PT Pegadaian
04 Juli 2023 Kanwil V Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
July 04, 2023 Manado Wilayah V Manado
Virtual Working Visit of the Board of Commissioners to
Manado Regional Office V
28 Juli 2023 Kanwil II Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
July 28, 2023 Pekanbaru Wilayah II Pekanbaru
Virtual Working Visit of the Board of Commissioners to
Pekanbaru Regional Office II
08 September Kanwil IV Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Balikpapan Wilayah IV Balikpapan
September 8, Virtual Working Visit of the Board of Commissioners to the
2023 Balikpapan Region IV Office
28 s.d. 30 Malang Menghadiri Rapat Koordinasi Dewan Komisaris dan Direksi
September 2023 PT Pegadaian Tahun 2023
September 28- Attend the Coordination Meeting of the Board of
30, 2023 Commissioners and Bandung of of PT Pegadaian in 2023
19 Oktober 2023 Kanwil XII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
October 19, Surabaya Wilayah II Surabaya
2023 Virtual Working Visit of the Board of Commissioners to
Regional Office II Surabaya
27 s.d. 28 Kanwil X Kunjungan Kerja Komisaris pada Area Kanwil X Bandung PT
Oktober 2023 Bandung Pegadaian
October 27-28, Commissioner's Working Visit to Area Kanwil X Bandung of
2023 PT Pegadaian
31 Oktober 2023 Kanwil I Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
October 31, Medan Wilayah I Medan
2023 Virtual Working Visit of the Board of Commissioners to
Medan Regional I Office
24 November Kanwil VIII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Jakarta 1 Wilayah VIII Jakarta 1
November 24, Virtual Working Visit of the Board of Commissioners to
2023 Regional Office VIII Jakarta 1
14 Desember Kanwil IX Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Jakarta 2 Wilayah IX Jakarta 2
December 14, Virtual Working Visit of the Board of Commissioners to
2023 Regional Office IX Jakarta 2
27 Desember Kanwil VII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Denpasar Wilayah VII Denpasar
December 27, Virtual Working Visit of the Board of Commissioners to
2023 Denpasar Region VII Office
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Tabel Kunjungan Kerja Dewan Komisaris tahun 2023
Table of the 2023 Board of Commissioners Official Visit
Nama Dewan
Komisaris
Tanggal Tujuan Perihal
No. Name of the
Date Objective Agenda
Board of
Commissioners
3. Sudarto 19 Januari 2023 Kanwil X Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
January 19, 2023 Bandung Wilayah X Bandung
Virtual Working Visit of the Board of Commissioners to
Regional Office X Bandung
17 Februari 2023 Kanwil VI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
February 17, Makassar Wilayah VI Makassar
2023 Virtual Working Visit of the Board of Commissioners to
Regional Office VI Makassar
10 Maret 2023 Kanwil III Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
March 10, 2023 Palembang Wilayah III Palembang
Virtual Working Visit of the Board of Commissioners to
Palembang Regional Office III
14 April 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
April 14, 2023 Semarang Wilayah XI Semarang
Virtual Working Visit of the Board of Commissioners to
Semarang Region XI Office
04 Juli 2023 Kanwil V Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
July 04, 2023 Manado Wilayah V Manado
Virtual Working Visit of the Board of Commissioners to
Manado Regional Office V
28 Juli 2023 Kanwil II Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
July 28, 2023 Pekanbaru Wilayah II Pekanbaru
Virtual Working Visit of the Board of Commissioners to
Pekanbaru Regional Office II
08 September Kanwil IV Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Balikpapan Wilayah IV Balikpapan
September 8, Virtual Working Visit of the Board of Commissioners to the
2023 Balikpapan Region IV Office
28 s.d. 30 Malang Menghadiri Rapat Koordinasi Dewan Komisaris dan Direksi
September 2023 PT Pegadaian Tahun 2023
September 28- Attend the Coordination Meeting of the Board of
30, 2023 Commissioners and Board of Directors of PT Pegadaian in
2023
19 Oktober 2023 Kanwil XII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
October 19, Surabaya Wilayah II Surabaya
2023 Virtual Working Visit of the Board of Commissioners to
Regional Office II Surabaya
31 Oktober 2023 Kanwil I Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
October 31, Medan Wilayah I Medan
2023 Virtual Working Visit of the Board of Commissioners to
Medan Regional I Office
24 November Kanwil VIII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Jakarta 1 Wilayah VIII Jakarta 1
November 24, Virtual Working Visit of the Board of Commissioners to
2023 Regional Office VIII Jakarta 1
14 Desember Kanwil IX Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Jakarta 2 Wilayah IX Jakarta 2
December 14, Virtual Working Visit of the Board of Commissioners to
2023 Regional Office IX Jakarta 2
27 Desember Kanwil VII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Denpasar Wilayah VII Denpasar
December 27, Virtual Working Visit of the Board of Commissioners to
2023 Denpasar Region VII Office
4. Rini Widyantini 19 Januari 2023 Kanwil X Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
January 19, 2023 Bandung Wilayah X Bandung
Virtual Working Visit of the Board of Commissioners to
Regional Office X Bandung
17 Februari 2023 Kanwil VI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
February 17, Makassar Wilayah VI Makassar
2023 Virtual Working Visit of the Board of Commissioners to
Regional Office VI Makassar
PT Pegadaian | 2023 Annual Report 347
Page 348
Tata Kelola Perusahaan
Corporate Governance
Tabel Kunjungan Kerja Dewan Komisaris tahun 2023
Table of the 2023 Board of Commissioners Official Visit
Nama Dewan
Komisaris
Tanggal Tujuan Perihal
No. Name of the
Date Objective Agenda
Board of
Commissioners
10 Maret 2023 Kanwil III Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
March 10, 2023 Palembang Wilayah III Palembang
Virtual Working Visit of the Board of Commissioners to
Palembang Regional Office III
14 April 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
April 14, 2023 Semarang Wilayah XI Semarang
Virtual Working Visit of the Board of Commissioners to
Semarang Regional XI Office
04 Juli 2023 Kanwil V Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
July 04, 2023 Manado Wilayah V Manado
Virtual Working Visit of the Board of Commissioners to
Manado Regional Office V
28 Juli 2023 Kanwil II Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
July 28, 2023 Pekanbaru Wilayah II Pekanbaru
Virtual Working Visit of the Board of Commissioners to
Pekanbaru Regional Office II
08 September Kanwil IV Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Balikpapan Wilayah IV Balikpapan
September 8, Virtual Working Visit of the Board of Commissioners to the
2023 Balikpapan Region IV Office
19 Oktober 2023 Kanwil XII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
October 19, Surabaya Wilayah II Surabaya
2023 Virtual Working Visit of the Board of Commissioners to
Regional Office II Surabaya
31 Oktober 2023 Kanwil I Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
October 31, Medan Wilayah I Medan
2023 Virtual Working Visit of the Board of Commissioners to
Medan Regional I Office
24 November Kanwil VIII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Jakarta 1 Wilayah VIII Jakarta 1
November 24, Virtual Working Visit of the Board of Commissioners to
2023 Regional Office VIII Jakarta 1
14 Desember Kanwil IX Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Jakarta 2 Wilayah IX Jakarta 2
December 14, Virtual Working Visit of the Board of Commissioners to
2023 Regional Office IX Jakarta 2
27 Desember Kanwil VII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Denpasar Wilayah VII Denpasar
December 27, Virtual Working Visit of the Board of Commissioners to
2023 Denpasar Region VII Office
5. Makmur Keliat 19 Januari 2023 Kanwil X Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
January 19, 2023 Bandung Wilayah X Bandung
Virtual Working Visit of the Board of Commissioners to
Regional Office X Bandung
30 Januari s.d. Area Gunung Kunjungan Kerja Dewan Komisaris ke Wilayah Area Gunung
03 Februari Sitoli dan Sitoli dan Banda Aceh Kanwil I Medan
2023 Banda Aceh Board of Commissioners Working Visit to the Gunung Sitoli
January 30 Area and Banda Aceh Regional Office I Medan
to February 3
,2023
13 s.d. 15 Solo Menghadiri Undangan Rapat Kerja Nasional Satuan
Februari 2023 Pengawasan Intern (SPI) PT Pegadaian Tahun 2023 di Solo
February 13-15, serta Monitoring Implementasi Holding Ultra Mikro (Outlet
2023 SenyuM) dan Kunjungan Kerja ke Outlet Pegadaian dan
Pengelolaan UMKM di Area Kanwil XI Semarang
Attending the Invitation to the 2023 PT Pegadaian Internal
Audit Unit (SPI) National Work Meeting in Solo as well
as Monitoring the Implementation of Ultra Micro Holding
(Outlet SenyuM) and Working Visits to Pegadaian Outlets
and MSME Management in the Regional Office Area XI
Semarang
348 Laporan Tahunan 2023 | PT Pegadaian
Page 349
Tabel Kunjungan Kerja Dewan Komisaris tahun 2023
Table of the 2023 Board of Commissioners Official Visit
Nama Dewan
Komisaris
Tanggal Tujuan Perihal
No. Name of the
Date Objective Agenda
Board of
Commissioners
17 Februari 2023 Kanwil VI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
February 17, Makassar Wilayah VI Makassar
2023 Virtual Working Visit of the Board of Commissioners to
Regional Office VI Makassar
10 Maret 2023 Kanwil III Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
March 10, 2023 Palembang Wilayah III Palembang
Virtual Working Visit of the Board of Commissioners to
Palembang Regional Office III
14 April 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
April 14, 2023 Semarang Wilayah XI Semarang
Virtual Working Visit of the Board of Commissioners to
Semarang Region XI Office
04 Juli 2023 Kanwil V Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
July 04, 2023 Manado Wilayah V Manado
Virtual Working Visit of the Board of Commissioners to
Manado Regional Office V
25 s.d. 29 Juli Kantor Area Kunjungan Kerja Dewan Komisaris ke Kantor Wilayah V
2023 Halmahera Manado PT Pegadaian:
July 25-29, 2023 dan Papua Kantor Area Halmahera
Kantor Area Papua
Board of Commissioners Working Visit to PT Pegadaian
Region V Manado Office:
a. Halmahera Area Office
b. Papua Area Office
28 Juli 2023 Kanwil II Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
July 28, 2023 Pekanbaru Wilayah II Pekanbaru
Virtual Working Visit of the Board of Commissioners to
Pekanbaru Regional Office II
31 Agustus s.d. Kantor XI Menghadiri Undangan Exit Meeting Audit pada Kantor
02 September Semarang Wilayah XI Semarang oleh KAP Purwantono, Sungkono &
2023 Surja (EY)
August 31 to Attended the Audit Exit Meeting Invitation at Semarang
September 2, Region XI Office by KAP Purwantono, Sungkono & Surja
2023 (EY)
08 September Kanwil IV Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Balikpapan Wilayah IV Balikpapan
September 8, Virtual Working Visit of the Board of Commissioners to the
2023 Balikpapan Region IV Office
11 s.d. 13 Kanwil I Menghadiri Undangan Exit Meeting Audit pada Kantor
September 2023 Medan Wilayah I Medan oleh KAP Purwantono, Sungkoro & Surja
September 11-13, (EY) serta kunjungan kerja ke outlet Pegadaian di Kantor
2023 Wilayah I Medan
Attended the Audit Exit Meeting Invitation at the Medan
Regional Office I by KAP Purwantono, Sungkoro & Surja
(EY) as well as a working visit to the Pegadaian outlet at the
Medan Regional I Office
28 s.d. 30 Malang Menghadiri Rapat Koordinasi Dewan Komisaris dan Direksi
September 2023 PT Pegadaian Tahun 2023
September 28- Attend the Coordination Meeting of the Board of
30, 2023 Commissioners and Board of Directors of PT Pegadaian in
2023
19 Oktober 2023 Kanwil XII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
October 19, Surabaya Wilayah II Surabaya
2023 Virtual Working Visit of the Board of Commissioners to
Regional Office II Surabaya
31 Oktober 2023 Kanwil I Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
October 31, Medan Wilayah I Medan
2023 Virtual Working Visit of the Board of Commissioners to
Medan Regional I Office
24 November Kanwil VIII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Jakarta 1 Wilayah VIII Jakarta 1
November 24, Virtual Working Visit of the Board of Commissioners to
2023 Regional Office VIII Jakarta 1
PT Pegadaian | 2023 Annual Report 349
Page 350
Tata Kelola Perusahaan
Corporate Governance
Tabel Kunjungan Kerja Dewan Komisaris tahun 2023
Table of the 2023 Board of Commissioners Official Visit
Nama Dewan
Komisaris
Tanggal Tujuan Perihal
No. Name of the
Date Objective Agenda
Board of
Commissioners
14 Desember Kanwil IX Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Jakarta 2 Wilayah IX Jakarta 2
December 14, Virtual Working Visit of the Board of Commissioners to
2023 Regional Office IX Jakarta 2
27 Desember Kanwil VII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Denpasar Wilayah VII Denpasar
December 27, Virtual Working Visit of the Board of Commissioners to
2023 Denpasar Region VII Office
6. Nezar Patria 19 Januari 2023 Kanwil X Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
January 19, 2023 Bandung Wilayah X Bandung
Virtual Working Visit of the Board of Commissioners to
Regional Office X Bandung
17 Februari 2023 Kanwil VI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
February 17, Makassar Wilayah VI Makassar
2023 Virtual Working Visit of the Board of Commissioners to
Regional Office VI Makassar
02 s.d. 04 Maret Kanwil XII Kunjungan Kerja Dewan Komisaris ke Malang dan Surabaya
2023 Surabaya -Area Kanwil XII Surabaya PT Pegadaian
March 2-4,` Board of Commissioners Working Visit to Malang and
2023 Surabaya - Area Kanwil XII Surabaya of PT Pegadaian
10 Maret 2023 Kanwil III Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
March 10, 2023 Palembang Wilayah III Palembang
Virtual Working Visit of the Board of Commissioners to
Palembang Regional Office III
14 April 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
April 14, 2023 Semarang Wilayah XI Semarang
Virtual Working Visit of the Board of Commissioners to
Semarang Region XI Office
04 Juli 2023 Kanwil V Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
July 04, 2023 Manado Wilayah V Manado
Virtual Working Visit of the Board of Commissioners to
Manado Regional Office V
28 Juli 2023 Kanwil II Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
July 28, 2023 Pekanbaru Wilayah II Pekanbaru
Virtual Working Visit of the Board of Commissioners to
Pekanbaru Regional Office II
08 September Kanwil IV Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Balikpapan Wilayah IV Balikpapan
September 8, Virtual Working Visit of the Board of Commissioners to the
2023 Balikpapan Region IV Office
28 s.d. 30 Malang Menghadiri Rapat Koordinasi Dewan Komisaris dan Direksi
September 2023 PT Pegadaian Tahun 2023
September 28- Attend the Coordination Meeting of the Board of
30, 2023 Commissioners and Board of Directors of PT Pegadaian in
2023
19 Oktober 2023 Kanwil XII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
October 19, Surabaya Wilayah II Surabaya
2023 Virtual Working Visit of the Board of Commissioners to
Regional Office II Surabaya
31 Oktober 2023 Kanwil I Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
October 31, Medan Wilayah I Medan
2023 Virtual Working Visit of the Board of Commissioners to
Medan Regional I Office
24 November Kanwil VIII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Jakarta 1 Wilayah VIII Jakarta 1
November 24, Virtual Working Visit of the Board of Commissioners to
2023 Regional Office VIII Jakarta 1
350 Laporan Tahunan 2023 | PT Pegadaian
Page 351
Tabel Kunjungan Kerja Dewan Komisaris tahun 2023
Table of the 2023 Board of Commissioners Official Visit
Nama Dewan
Komisaris
Tanggal Tujuan Perihal
No. Name of the
Date Objective Agenda
Board of
Commissioners
14 Desember Kanwil IX Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Jakarta 2 Wilayah IX Jakarta 2
December 14, Virtual Working Visit of the Board of Commissioners to
2023 Regional Office IX Jakarta 2
27 Desember Kanwil VII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Denpasar Wilayah VII Denpasar
December 27, Virtual Working Visit of the Board of Commissioners to
2023 Denpasar Region VII Office
7. Yudi 19 Januari 2023 Kanwil X Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
Priambodo P. January 19, 2023 Bandung Wilayah X Bandung
Virtual Working Visit of the Board of Commissioners to
Regional Office X Bandung
13 s.d. 15 Solo Menghadiri Undangan Rapat Kerja Nasional Satuan
Februari 2023 Pengawasan Intern (SPI) PT Pegadaian Tahun 2023 di Solo
February 13-15, serta Monitoring Implementasi Holding Ultra Mikro (Outlet
2023 SenyuM) dan Kunjungan Kerja ke Outlet Pegadaian dan
Pengelolaan UMKM di Area Kanwil XI Semarang
Attending the Invitation to the 2023 PT Pegadaian Internal
Audit Unit (SPI) National Work Meeting in Solo as well
as Monitoring the Implementation of Ultra Micro Holding
(Outlet SenyuM) and Working Visits to Pegadaian Outlets
and MSME Management in the Regional Office Area XI
Semarang
17 Februari 2023 Kanwil VI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
February 17, Makassar Wilayah VI Makassar
2023 Virtual Working Visit of the Board of Commissioners to
Regional Office VI Makassar
10 Maret 2023 Kanwil III Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
March 10, 2023 Palembang Wilayah III Palembang
Virtual Working Visit of the Board of Commissioners to
Palembang Regional Office III
14 April 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
April 14, 2023 Semarang Wilayah XI Semarang
Virtual Working Visit of the Board of Commissioners to
Semarang Region XI Office
04 Juli 2023 Kanwil V Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
July 04, 2023 Manado Wilayah V Manado
Virtual Working Visit of the Board of Commissioners to
Manado Regional Office V
04 s.d. 07 Juli Yogyakarta Menghadiri Upacara Pengukuhan Wisudawan QIA dan
2023 Konferensi Auditor Internal 2023 serta Kunjungan Kerja ke
July 4-7, 2023 Outlet Pegadaian di Yogyakarta area Kanwil XI Semarang
Attended the Inauguration Ceremony for QIA Graduates and
the 2023 Internal Auditor Conference as well as a Work Visit
to the Pegadaian Outlet in Yogyakarta, Regional Office XI
Semarang area
25 s.d. 29 Juli Kantor Area Kunjungan Kerja Dewan Komisaris ke Kantor Wilayah V
2023 Halmahera Manado PT Pegadaian:
July 25-29, 2023 dan Papua Kantor Area Halmahera
Kantor Area Papua
Board of Commissioners Working Visit to PT Pegadaian
Region V Manado Office:
a. Halmahera Area Office
b. Papua Area Office
28 Juli 2023 Kanwil II Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
July 28, 2023 Pekanbaru Wilayah II Pekanbaru
Virtual Working Visit of the Board of Commissioners to
Pekanbaru Regional Office II
08 September Kanwil IV Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Balikpapan Wilayah IV Balikpapan
September 8, Virtual Working Visit of the Board of Commissioners to the
2023 Balikpapan Region IV Office
PT Pegadaian | 2023 Annual Report 351
Page 352
Tata Kelola Perusahaan
Corporate Governance
Tabel Kunjungan Kerja Dewan Komisaris tahun 2023
Table of the 2023 Board of Commissioners Official Visit
Nama Dewan
Komisaris
Tanggal Tujuan Perihal
No. Name of the
Date Objective Agenda
Board of
Commissioners
11 s.d. 13 Kanwil I Menghadiri Undangan Exit Meeting Audit pada Kantor
September 2023 Medan Wilayah I Medan oleh KAP Purwantono, Sungkoro & Surja
September 11-13, (EY) serta kunjungan kerja ke outlet Pegadaian di Kantor
2023 Wilayah I Medan
Attended the Audit Exit Meeting Invitation at the Medan
Regional Office I by KAP Purwantono, Sungkoro & Surja
(EY) as well as a working visit to the Pegadaian outlet at the
Medan Regional I Office
25 s.d. 26 Kanwil IV Menghadiri Undangan Exit Meeting Audit pada Kantor
September 2023 Balikpapan Wilayah IV Balikpapan oleh KAP Purwantono, Sungkoro
September 28- & Surja (EY) serta kunjungan kerja ke outlet Pegadaian di
30, 2023 Kantor Wilayah IV Balikpapan
Attended the Audit Exit Meeting Invitation at the Balikpapan
Region IV Office by KAP Purwantono, Sungkoro & Surja
(EY) as well as a working visit to the Pegadaian outlet at the
Balikpapan Region IV Office
28 s.d. 30 Malang Menghadiri Rapat Koordinasi Dewan Komisaris dan Direksi
September 2023 PT Pegadaian Tahun 2023
September 28- Attend the Coordination Meeting of the Board of
30, 2023 Commissioners and Board of Directors of PT Pegadaian in
2023
19 Oktober 2023 Kanwil XII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
October 19, Surabaya Wilayah II Surabaya
2023 Virtual Working Visit of the Board of Commissioners to
Regional Office II Surabaya
31 Oktober 2023 Kanwil I Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
October 31, Medan Wilayah I Medan
2023 Virtual Working Visit of the Board of Commissioners to
Medan Regional I Office
24 November Kanwil VIII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Jakarta 1 Wilayah VIII Jakarta 1
November 24, Virtual Working Visit of the Board of Commissioners to
2023 Regional Office VIII Jakarta 1
14 Desember Kanwil IX Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Jakarta 2 Wilayah IX Jakarta 2
December 14, Virtual Working Visit of the Board of Commissioners to
2023 Regional Office IX Jakarta 2
27 Desember Kanwil VII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Denpasar Wilayah VII Denpasar
December 27, Virtual Working Visit of the Board of Commissioners to
2023 Denpasar Region VII Office
8. Muhammad 31 Oktober 2023 Kanwil I Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
Isnaini October 31, Medan Wilayah I Medan
2023 Virtual Working Visit of the Board of Commissioners to
Medan Regional I Office
24 November Kanwil VIII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Jakarta 1 Wilayah VIII Jakarta 1
November 24, Virtual Working Visit of the Board of Commissioners to
2023 Regional Office VIII Jakarta 1
14 Desember Kanwil IX Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Jakarta 2 Wilayah IX Jakarta 2
December 14, Virtual Working Visit of the Board of Commissioners to
2023 Regional Office IX Jakarta 2
27 Desember Kanwil VII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor
2023 Denpasar Wilayah VII Denpasar
December 27, Virtual Working Visit of the Board of Commissioners to
2023 Denpasar Region VII Office
352 Laporan Tahunan 2023 | PT Pegadaian
Page 353
4. Laporan, Tanggapan, Permohonan Dewan 4. Report, Response, Application from the Board of
Komisaris kepada Pemegang Saham Commissioners to Shareholders
Dewan Komisaris telah memberikan Laporan, The Board of Commissioners has provided Report,
Tanggapan, Permohonan kepada Pemegang Response, Request to Shareholders including:
Saham meliputi:
Tabel Laporan, Tanggapan, dan Permohonan Dewan Komisaris kepada Pemegang Saham
Table of Report, Response and Request from the Board of Commissioners to Shareholders
No. Surat/Tanggal Tujuan Perihal
No.
Letter Number/Date Receiver Subject
Direksi PT BRI (Persero)
Tbk, u.p. Subsidiary Penyampaian Penilaian Kinerja Direksi dan
S-04/DK.GD/01/2023 Management Division Anggota Dewan Komisaris Perusahaan Anak BRI
1. 20 Januari 2023 Board of Directors of PT Submission of Performance Assessment of the
January 20, 2023 BRI (Persero) Tbk, u.p. Board of Directors and Members of the Board of
Subsidiary Management Commissioners of BRI Subsidiary Companies
Division
1. Menteri BUMN
Pendapat dan Saran Dewan Komisaris atas Update
2. Direksi PT BRI (Persero)
Usulan Rancangan Rencana Kerja dan Anggaran
Tbk.
Perusahaan (RKAP) PT Pegadaian Tahun 2023 dan
Selaku Pemegang Saham
S-05/DK.GD/01/2023 Rencana Bisnis Tahun 2023 – 2025
PT Pegadaian
2. 24 Januari 2023 Opinions and Suggestions of the Board of
1. Minister of SOEs
January 24, 2023 Commissioners for the Update on the Proposed
2. Board of Directors of PT
Draft Work Plan and Company Budget (RKAP) of
BRI (Persero) Tbk.
PT Pegadaian for 2023 and the Business Plan for
As a Shareholders of PT
2023 - 2025
Pegadaian
Direksi PT BRI (Persero)
Tbk, u.p. Subsidiary
Penyampaian Data Organ Pendukung Dewan
S-07/DK.GD/01/2023 Management Division
Komisaris PT Pegadaian
3. 31 Januari 2023 Board of Directors of PT
Submission of Data on Supporting Organs to the
January 31, 2023 BRI (Persero) Tbk, u.p.
Board of Commissioners of PT Pegadaian
Subsidiary Management
Division
Direktur Human Capital
PT Bank Rakyat Indonesia
(Persero) Tbk Selaku
Pemegang 99,99% Saham
S-10/DK.GD/02/2023 Penyampaian Updating Talent Pool Direksi BUMN
PT Pegadaian
4. 24 Februari 2023 Submission of Updated Talent Pool for Board of
Director of Human Capital
February 24, 2023 Directors at SOEs
PT Bank Rakyat Indonesia
(Persero) Tbk as Holder of
99.99% of PT Pegadaian
Shares
Para Pemegang Saham PT
Pegadaian
1. Menteri Badan Usaha
Milik Negara Republik
Indonesia Tanggapan Dewan Komisaris atas Laporan
2. Direksi PT Bank Rakyat Manajemen Audited PT Pegadaian dan Entitas
S-15/DK.GD/04/2023
Indonesia (Persero) Tbk Anak Tahun Buku 2022
5. 5 April 2023
PT Pegadaian Shareholders The Board of Commissioners' response to the
April 5, 2023
1. Minister of State-Owned Audited Management Report of PT Pegadaian and
Enterprises of the Subsidiaries for the 2022 Financial Year
Republic of Indonesia
2. Board of Directors of PT
Bank Rakyat Indonesia
(Persero) Tbk
PT Pegadaian | 2023 Annual Report 353
Page 354
Tata Kelola Perusahaan
Corporate Governance
Tabel Laporan, Tanggapan, dan Permohonan Dewan Komisaris kepada Pemegang Saham
Table of Report, Response and Request from the Board of Commissioners to Shareholders
No. Surat/Tanggal Tujuan Perihal
No.
Letter Number/Date Receiver Subject
Para Pemegang Saham PT
Pegadaian
1. Menteri BUMN Republik
Indonesia
2. PT Bank Rakyat Penyampaian Laporan Tugas Pengawasan Dewan
S-16/DK.GD/04/2023
Indonesia (Persero) Tbk Komisaris PT Pegadaian Tahun 2022
6. 5 April 2023
PT Pegadaian Shareholders Submission of Supervisory Duties of the Board of
April 5, 2023
1. Minister of State-Owned Commissioners Report of PT Pegadaian for 2022
Enterprises of the
Republic of Indonesia
2. PT Bank Rakyat
Indonesia (Persero) Tbk
Para Pemegang Saham PT
Pegadaian
1. Menteri BUMN Republik
Usulan Penetapan Remunerasi untuk Tahun 2023
Indonesia
dan Tantiem untuk Tahun Buku 2022 bagi Direksi
2. PT Bank Rakyat
S-18/DK.GD/04/2023 dan Dewan Komisaris PT Pegadaian
Indonesia (Persero) Tbk
7. 10 April 2023 Proposed Determination of Remuneration for
PT Pegadaian Shareholders
April 10, 2023 2023 and Tantiem for 2022 Financial Year for the
1. Minister of State-Owned
Board of Directors and Board of Commissioners of
Enterprises of the
PT Pegadaian
Republic of Indonesia
2. PT Bank Rakyat
Indonesia (Persero) Tbk
Direksi PT Bank Rakyat
Penyampaian Penilaian Kinerja Direksi dan
Indonesia (Persero),
Anggota Dewan Komisaris Perusahaan Anak BRI
Tbk. U.p. Subsidiary
S-21/DK.GD/05/2023 Periode Triwulan I 2023
Management Division
8. 24 Mei 2023 Submission of Performance Assessment of the
Board of Directors of PT
May 24, 2023 Board of Directors and Members of the Board of
BRI (Persero) Tbk, u.p.
Commissioners of BRI Subsidiaries for the First
Subsidiary Management
Quarter of 2023
Division
Para Pemegang Saham PT
Pegadaian
1. Menteri BUMN Republik
Indonesia Tanggapan Dewan Komisaris atas Laporan
2. PT Bank Rakyat Triwulan I Tahun 2023 PT Pegadaian dan Entitas
S-23/DK.GD/05/2023
Indonesia (Persero) Tbk Anak
9. 25 Mei 2023
PT Pegadaian Shareholders Response of the Board of Commissioners to the
May 25, 2023
1. Minister of State-Owned First Quarter of 2023 Report of PT Pegadaian and
Enterprises of the Subsidiaries
Republic of Indonesia
2. PT Bank Rakyat
Indonesia (Persero) Tbk
Penyampaian Penilaian Kinerja Direksi dan
Direksi PT Bank Rakyat Anggota Dewan Komisaris Perusahaan Anak BRI
S-29/DK.GD/07/2023 Indonesia (Persero), Tbk. Periode Triwulan 2 Tahun 2023
10. 21 Juli 2023 Board of Directors of PT Submission of Performance Assessment of the
July 21, 2023 Bank Rakyat Indonesia Board of Directors and Members of the Board of
(Persero) Tbk Commissioners of BRI Subsidiaries for the 2nd
Quarter of 2023
354 Laporan Tahunan 2023 | PT Pegadaian
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Tabel Laporan, Tanggapan, dan Permohonan Dewan Komisaris kepada Pemegang Saham
Table of Report, Response and Request from the Board of Commissioners to Shareholders
No. Surat/Tanggal Tujuan Perihal
No.
Letter Number/Date Receiver Subject
Para Pemegang Saham PT
Tanggapan Dewan Komisaris atas Laporan
Pegadaian
Triwulan II Tahun 2023 PT Pegadaian dan Entitas
1. Menteri BUMN Republik
Anak dan Laporan Pelaksanaan Pengawasan
Indonesia
Dewan Komisaris PT Pegadaian Triwulan II Tahun
2. PT Bank Rakyat
S-33/DK.GD/08/2023 2023
Indonesia (Persero) Tbk
11. 11 Agustus 2023 Response of the Board of Commissioners to the
PT Pegadaian Shareholders
August 11, 2023 Report for the Second Quarter of 2023 of PT
1. Minister of State-Owned
Pegadaian and Subsidiaries and the Report on the
Enterprises of the
Implementation of Supervision of the Board of
Republic of Indonesia
Commissioners of PT Pegadaian for the Second
2. PT Bank Rakyat
Quarter of 2023
Indonesia (Persero) Tbk
Penyampaian Usulan Perubahan Anggota Komite
Head of Subsidiary
S-36/DK.GD/09/2023 Tata Kelola Terintegrasi (KTKT)
Management Division
12. 18 September 2023 Submission of Suggestions for Changes
Legal, Risk & Compliance
September 18, 2023 in Members of the Integrated Governance
Department
Committee (KTKT)
Para Pemegang Saham PT
Pegadaian
1. Menteri BUMN Republik
Indonesia
Usulan Pengangkatan Calon Anggota Dewan
2. PT Bank Rakyat
S-39/DK.GD/10/2023 Komisaris PT Pegadaian
Indonesia (Persero) Tbk
13. 9 Oktober 2023 Suggestions on the Appointment of Candidates
PT Pegadaian Shareholders
October 9, 2023 for Members of the Board of Commissioners of PT
1. Minister of State-Owned
Pegadaian
Enterprises of the
Republic of Indonesia
2. PT Bank Rakyat
Indonesia (Persero) Tbk
Direksi PT Bank Rakyat
Penyampaian Penilaian Kinerja Direksi dan
Indonesia (Persero),
Anggota Dewan Komisaris Perusahaan Anak BRI
Tbk. U.p. Subsidiary
S-40/DK.GD/10/2023 Periode Triwulan III Tahun 2023
Management Division
14. 26 Oktober 2023 Submission of Performance Assessment of the
Board of Directors of PT
October 26, 2023 Board of Directors and Members of the Board of
BRI (Persero) Tbk, u.p.
Commissioners of BRI Subsidiaries for the Third
Subsidiary Management
Quarter of 2023
Division
Para Pemegang Saham PT
Pegadaian
1. Menteri BUMN Republik
Indonesia Tanggapan Dewan Komisaris atas Rancangan
2. PT Bank Rakyat Rencana Jangka Panjang Perusahaan (RJPP) PT
S-42/DK.GD/10/2023
Indonesia (Persero) Tbk Pegadaian Tahun 2024-2028
15. 31 Oktober 2023
PT Pegadaian Shareholders The Board of Commissioners' Response to PT
October 31, 2023
1. Minister of State-Owned Pegadaian's Draft Long Term Company Plan
Enterprises of the (RJPP) for 2024-2028
Republic of Indonesia
2. PT Bank Rakyat
Indonesia (Persero) Tbk
PT Pegadaian | 2023 Annual Report 355
Page 356
Tata Kelola Perusahaan
Corporate Governance
Tabel Laporan, Tanggapan, dan Permohonan Dewan Komisaris kepada Pemegang Saham
Table of Report, Response and Request from the Board of Commissioners to Shareholders
No. Surat/Tanggal Tujuan Perihal
No.
Letter Number/Date Receiver Subject
Para Pemegang Saham PT
Pegadaian
1. Menteri BUMN Republik
Indonesia Tanggapan Dewan Komisaris atas Usulan Rencana
2. PT Bank Rakyat Kerja dan Anggaran Perusahaan (RKAP) PT
S-43/DK.GD/10/2023
Indonesia (Persero) Tbk Pegadaian Tahun 2024
16. 31 Oktober 2023
PT Pegadaian Shareholders The Board of Commissioners' response to PT
October 31, 2023
1. Minister of State-Owned Pegadaian's 2024 Proposed Company Work Plan
Enterprises of the and Budget (RKAP).
Republic of Indonesia
2. PT Bank Rakyat
Indonesia (Persero) Tbk
Para Pemegang Saham PT
Pegadaian
Tanggapan Dekom atas Laporan Triwulan III
1. Menteri BUMN Republik
PT Pegadaian dan Entitas Anak dan Laporan
Indonesia
Pelaksanaan Tugas Pengawasan Dekom Triwulan
2. PT Bank Rakyat
S-47/DK.GD/11/2023 III 2023
Indonesia (Persero) Tbk
17. 27 November 2023 Board of Commissioners' Response to the Third
PT Pegadaian Shareholders
November 27, 2023 Quarter Report of PT Pegadaian and Subsidiaries
1. Minister of State-Owned
and the Report on the Implementation of Board of
Enterprises of the
Commissioners' Supervisory Duties for the Third
Republic of Indonesia
Quarter of 2023
2. PT Bank Rakyat
Indonesia (Persero) Tbk
Penilaian Dewan Komisaris atas Assessment of the Board of
Kinerja Komite di bawah Dewan Commissioners on the Performance
Komisaris of Committees under the Board of
Commissioners
Dalam rangka membantu Dewan Komisaris In order to help the Board of Commissioners realize
mewujudkan pengawasan yang efektif, Dewan effective supervision, the Board of Commissioners
Komisaris wajib membentuk Komite Audit dan is required to form an Audit Committee and may
dapat membentuk Komite Lain yang ditetapkan form other Committees determined by the Ministry
oleh Kementerian BUMN dan Direksi PT Bank of SOEs and the Board of Directors of PT Bank
Rakyat Indonesia (Persero), Tbk selaku Pemegang Rakyat Indonesia (Persero), Tbk as Shareholders.
Saham. Keanggotaan komite terdiri dari Ketua dan Committee membership consists of the Chair and
Anggota yang diangkat dan diberhentikan oleh Member who are appointed and dismissed by the
Dewan Komisaris. Komite-komite di bawah Dewan Board of Commissioners. The committees under
Komisaris Perseroan per 31 Desember 2023 terdiri the Company’s Board of Commissioners as of
atas Komite Audit, Komite Pemantau Risiko, dan December 31, 2023 consist of the Audit Committee,
Komite Nominasi dan Remunerasi, yang bekerja Risk Monitoring Committee, and Nomination and
secara mandiri dan independen serta bertanggung Remuneration Committee, which work independently
jawab langsung kepada Dewan Komisaris. Sesuai and report directly to the Board of Commissioners. In
dengan Peraturan Menteri Badan Usaha Milik Negara accordance with Regulation of the Minister of State-
No. PER-12/MBU/2012 tentang Organ Pendukung Owned Enterprises No. PER-12/MBU/2012 concerning
Dewan Komisaris/Dewan Pengawas Badan Usaha Milik Supporting Organs for the Board of Commissioners/
Negara. Dewan Komisaris melakukan evaluasi kinerja Supervisory Board of State-Owned Enterprises.
komite setiap 1 (satu) tahun dengan menggunakan The Board of Commissioners evaluates committee
metode yang ditetapkan Dewan Komisaris. performance every 1 (one) year using the method
determined by the Board of Commissioners.
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Berdasarkan hasil evaluasi kinerja komite tahun 2023, Based on the results of the 2023 committee
Dewan Komisaris berpendapat bahwa Komite-komite performance evaluation, the Board of Commissioners
di bawah Dewan Komisaris telah melaksanakan tugas is of the opinion that the committees under the Board
dan tanggung jawabnya masing-masing secara baik of Commissioners have fulfilled their respective duties
dan telah memberikan masukan dan rekomendasi and responsibilities well and have provided significant
yang signifikan terhadap pelaksanaan tugas dan input and recommendations on the implementation of
tanggung jawab pengawasan Dewan Komisaris. the Board of Commissioners’ supervisory duties and
responsibilities.
Penilaian Dewan Komisaris atas kinerja Komite Audit, The Board of Commissioners’ assessment of the
Komite Pemantau Risiko, dan Komite Nominasi dan performance of the Audit Committee, Risk Monitoring
Remunerasi tahun 2023 adalah sebagai berikut: Committee and Nomination and Remuneration
Committee in 2023 is as follows:
1. Penilaian Kinerja Komite Audit 1. Performance Assessment of the Audit Committee
Komite Audit menjalankan tanggung jawabnya The Audit Committee carries its responsibilities
membantu tugas dan fungsi Dewan Komisaris to assist the duties and functions of the Board
terutama memastikan efektivitas sistem of Commissioners, especially ensuring the
pengendalian intern dan efektivitas pelaksanaan effectiveness of the internal control system
tugas eksternal auditor dan internal auditor, and the effectiveness of carrying out the duties
melakukan evaluasi dan memberikan pendapat, of external auditors and internal auditors,
saran serta rekomendasi kepada Dewan Komisaris conducting evaluations and providing opinions,
terhadap hasil audit Satuan Pengawasan Intern suggestions and recommendations to the Board
(SPI), serta melaksanakan tugas lain yang diberikan of Commissioners on the results of audits of the
Dewan Komisaris sepanjang masih dalam lingkup Internal Audit Unit (SPI), as well as carry out other
tugas dan kewajiban Dewan Komisaris berdasarkan duties assigned by the Board of Commissioners as
ketentuan peraturan perundang-undangan. Dalam long as they are within the scope of the duties and
rangka pelaksanaan tugas dan tanggung jawabnya, obligations of the Board of Commissioners based
Komite Audit berpedoman pada Piagam Komite on statutory provisions. In order to carry out its
Audit dan Rencana Kerja dan Anggaran Komite duties and responsibilities, the Audit Committee is
Audit Tahun 2023. guided by the Audit Committee Charter and the
2023 Audit Committee Work Plan and Budget.
Komite Audit telah melakukan kegiatan kajian/ The Audit Committee has carried out study/review
review dan memberikan tanggapan/pendapat/ activities and provided responses/opinions/input/
masukan/rekomendasi terhadap laporan kinerja recommendations on the Company’s performance
Perseroan, laporan hasil audit Satuan Pengendalian reports, audit results reports from the Internal
Intern dan auditor eksternal, serta hal-hal lain yang Control Unit and external auditors, as well as other
menjadi perhatian dan memerlukan persetujuan matters that are of concern and require approval
Dewan Komisaris, melaksanakan rapat komite dan from the Board of Commissioners, held committee
kunjungan kerja, serta mengikuti pendidikan dan meetings and work visits, as well as attending
pelatihan. education and training.
Selama tahun 2023, Komite Audit telah melakukan During 2023, the Audit Committee has held
rapat dengan Komite Pemantau Risiko dan Komite meetings with the Risk Monitoring Committee and
Nominasi dan Remunerasi, Direktorat Keuangan the Nomination and Remuneration Committee,
dan Perencanaan Strategis, Satuan Pengawasan the Directorate of Finance and Strategic Planning,
Intern, serta divisi-divisi terkait, serta dengan the Internal Audit Unit, and related divisions, as
Dewan Komisaris. Hal tersebut sesuai dengan well as with the Board of Commissioners. This is
Rencana Kerja dan Anggaran Komite Audit in accordance with the 2023 Audit Committee
tahun 2023 dengan tingkat kehadiran rata-rata Work Plan and Budget with an average attendance
mencapai 100%. Komite Audit telah memberikan level of 100%. The Audit Committee has provided
tanggapan, masukan dan rekomendasi atas hal-hal responses, input and recommendations on
strategis yang menjadi perhatian dan memerlukan strategic matters that are of concern and require
persetujuan dan rekomendasi Dewan Komisaris approval and recommendations from the Board
sesuai dengan bidang tugas Komite Audit, antara of Commissioners in accordance with the Audit
lain: Committee’s areas of duty, including:
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Tata Kelola Perusahaan
Corporate Governance
a. Laporan evaluasi kinerja Kantor Akuntan Publik a. Public Accounting Firm performance evaluation
tahun 2022 dan rekomendasi Kantor Akuntan report in 2022 and Public Accounting Firm
Publik tahun 2023; recommendations in 2023;
b. Evaluasi kinerja Perseroan dan evaluasi laporan b. Evaluate the Company’s performance and
audit SPI secara bulanan evaluate SPI audit reports on a monthly basis
c. Evaluasi hasil audit auditor eksternal sesuai c. Evaluate the results of the external auditor’s
penugasan Dewan Komisaris; audit according to the assignment of the Board
of Commissioners;
d. Review Perencanaan Audit Tahunan (PAT) d. Annual Audit Planning Review (PAT) of the
Satuan Pengawasan Intern (SPI) Tahun 2023; Internal Audit Unit (SPI) in 2023;
e. Tanggapan terhadap laporan manajemen e. Responses to management reports regarding
tentang kinerja Perseroan secara berkala the Company’s performance on a quarterly and
triwulanan dan tahunan; annual basis;
f. Laporan pelaksanaan tugas Komite Audit tahun f. Quarterly and annual reports on the
2023 secara triwulanan dan tahunan; dan implementation of the Audit Committee’s
duties in 2023; and
g. Tanggapan, masukan dan rekomendasi sesuai g. Responses, input and recommendations are in
dengan penugasan Dewan Komisaris. accordance with the assignments of the Board
of Commissioners.
Selain itu, dalam rangka pelaksanaan tugas Apart from that, in order to carry out the task of
membantu tugas Dewan Komisaris untuk assisting the Board of Commissioners in obtaining
mendapatkan informasi, klarifikasi dan gambaran information, clarification and an overview of progress/
atas kemajuan/perkembangan serta permasalahan developments and problems faced by Regions and
yang dihadapi Wilayah dan Cabang/Unit serta Branches/Units as well as to attend KAP audit exit
untuk menghadiri exit meeting audit KAP di meetings in the regions, the Audit Committee has
wilayah, Komite Audit telah melakukan kunjungan conducted virtual working visits as well as physical
kerja baik secara virtual maupun kunjungan fisik visits to Regions and Branches/Units in accordance
ke Wilayah dan Cabang/Unit sesuai dengan with the assignment of the Board of Commissioners.
penugasan Dewan Komisaris. Dalam rangka In order to improve competency, the Audit Committee
meningkatkan kompetensi, Komite Audit juga telah has also participated in Education and Training
mengikuti program Pendidikan dan Pelatihan. programs.
Pada tahun 2023, Dewan Komisaris menilai bahwa In 2023, the Board of Commissioners assess that the
tugas-tugas Komite Audit telah dilaksanakan Audit Committee’s duties have been carried out well
dengan baik dan telah sesuai dengan target yang and are in accordance with the targets set in the 2023
ditetapkan dalam Rencana Kerja dan Anggaran Audit Committee Work Plan and Budget.
Komite Audit tahun 2023.
2. Penilaian Kinerja Komite Pemantau Risiko 2. Performance Assessment of the Risk Monitoring
Committee
Komite Pemantau Risiko mempunyai peranan The Risk Monitoring Committee has very
yang sangat penting terutama terkait tugas dan important role, especially regarding its duties
tanggung jawabnya membantu Dewan Komisaris and responsibilities to assist the Board of
dalam melakukan pemantauan dan evaluasi Commissioners in monitoring and evaluating
pelaksanaan tugas Divisi Manajemen Risiko. Tujuan the implementation of the Risk Management
melakukan pemantauan tersebut agar memberikan Division’s duties. The purpose of carrying out this
rekomendasi kepada Dewan Komisaris, melakukan monitoring is to provide recommendations to
evaluasi tentang hasil pemantauan risiko. Hal the Board of Commissioners, evaluate the results
tersebut terutama mengenai kesesuaian antara of risk monitoring. This primarily concerns the
kebijakan dan strategi manajemen risiko Perseroan suitability of the Company’s risk management
dengan pelaksanaannya, serta melaksanakan tugas policies and strategies with their implementation,
lain yang diberikan Dewan Komisaris sepanjang as well as carrying out other tasks assigned by
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masih dalam lingkup tugas dan kewajiban Dewan the Board of Commissioners as long as they are
Komisaris, khususnya di bidang Pemantauan within the scope of the Board of Commissioners’
Risiko serta berdasarkan ketentuan peraturan duties and obligations, especially in the field of
perundang-undangan yang berlaku. Risk Monitoring and based on the provisions of
applicable laws and regulations.
Komite Pemantau Risiko berpedoman pada The Risk Monitoring Committee is guided by
Piagam Komite Pemantau Risiko, serta Rencana the Risk Monitoring Committee Charter, as well
Kerja dan Anggaran Komite Pemantau Risiko tahun as the 2023 Risk Monitoring Committee Work
2023 dalam melaksanakan tugas dan tanggung Plan and Budget in carrying out its duties and
jawabnya. Dewan Komisaris menilai bahwa Komite responsibilities. The Board of Commissioners
Pemantau Risiko telah melakukan rapat dengan considers that the Risk Monitoring Committee
Komite Audit, Komite Nominasi dan Remunerasi, has held meetings with the Audit Committee,
Direktorat Manajemen Risiko, Legal dan Kepatuhan, Nomination and Remuneration Committee,
Direktorat Keuangan dan Perencanaan Strategis, Directorate of Risk Management, Legal and
Satuan Pengawasan Intern dan divisi-divisi terkait, Compliance, Directorate of Finance and Strategic
serta dengan Dewan Komisaris sesuai dengan Planning, Internal Audit Unit and related divisions,
Rencana Kerja dan Anggaran Komite Pemantau as well as with the Board of Commissioners in
Risiko tahun 2023 dengan tingkat kehadiran rata- accordance with the Work Plan and the Risk
rata mencapai 100%. Selain itu, Komite Pemantau Monitoring Committee Budget for 2023 with
Risiko telah memberikan pendapat, masukan average attendance rate of 100%. In addition,
dan rekomendasi yang signifikan kepada Dewan the Risk Monitoring Committee has provided
Komisaris sesuai dengan bidang tugas Komite significant opinions, input and recommendations
Pemantau Risiko, antara lain terkait: to the Board of Commissioners in accordance with
the Risk Monitoring Committee’s areas of duty,
including:
a. Laporan hasil pemantauan profil risiko secara a. Report on the results of risk profile monitoring
triwulanan; on quarterly basis;
b. Laporan Penerapan Fungsi Kepatuhan b. Report on the Implementation of Compliance
dan Penerapan Program Anti Pencucian Functions and Implementation of Anti-Money
Uang, Pencegahan Pendanaan Terorisme, Laundering Programs, Prevention of Terrorism
Pencegahan Pendanaan Proliferasi Senjata Financing, Prevention of Funding for the
Pemusnah Massal (APU, PPT, dan PPPSPM) Proliferation of Weapons of Mass Destruction
secara bulanan (APU, PPT and PPPSPM) on a monthly basis
c. Standar operasional prosedur (SOP); c. Standard operating procedures (SOP);
d. Tanggapan terhadap laporan manajemen d. Responses to management reports on company
tentang kinerja perusahaan secara triwulanan performance on a quarterly and annual basis;
dan tahunan;
e. Laporan pelaksanaan tugas Komite Pemantau e. Report on the implementation of the duties of
Risiko tahun 2023; dan the Risk Monitoring Committee in 2023; and
f. Tugas-tugas lain sesuai dengan penugasan f. Other duties as assigned by the Board of
Dewan Komisaris. Commissioners.
Dalam rangka pelaksanaan tugas membantu In order to fulfill its duties to assist the Board
tugas Dewan Komisaris untuk mendapatkan of Commissioners in obtaining information,
informasi, klarifikasi dan gambaran atas kemajuan/ clarification and an overview of progress/
perkembangan serta permasalahan yang dihadapi developments and problems faced by Regions and
Wilayah dan Cabang/Unit, Komite Pemantau Risiko Branches/Units, the Risk Monitoring Committee has
telah melakukan kunjungan kerja ke Wilayah dan carried out working visits to Regions and Branches/
Cabang/Unit baik secara virtual maupun kunjungan Units both virtually and physically in accordance
fisik sesuai dengan penugasan Dewan Komisaris. with assignment of the Board of Commissioners. In
Dalam rangka meningkatkan kompetensi, Komite order to improve competency, the Risk Monitoring
Pemantau Risiko juga telah mengikuti program Committee has also participated in Education and
Pendidikan dan Pelatihan. Training programs.
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Tata Kelola Perusahaan
Corporate Governance
Pada tahun 2023, Dewan Komisaris menilai In 2023, the Board of Commissioners assess that
bahwa tugas-tugas Komite Pemantau Risiko telah the duties of the Risk Monitoring Committee
dilaksanakan dengan baik dan telah sesuai dengan have been carried out well and are in accordance
target yang ditetapkan dalam Rencana Kerja dan with the targets set in the 2023 Risk Monitoring
Anggaran Komite Pemantau Risiko tahun 2023. Committee Work Plan and Budget.
3. Penilaian Kinerja Komite Nominasi dan Remunerasi 3. Performance Assessment of the Nomination and
Remuneration Committee
Komite Nominasi dan Remunerasi mempunyai The Nomination and Remuneration Committee
peranan yang sangat penting terutama terkait has very important role, especially regarding its
tugas dan tanggung jawabnya membantu duties and responsibilities to assist the Board
Dewan Komisaris dalam melakukan kajian atas of Commissioners in conducting review of the
kebijakan pengendalian sumber daya manusia Company’s human resources control policies.
Perseroan. Selain itu juga Komite memberikan Apart from that, the Committee also provides
masukan sehubungan dengan kebijakan dan/atau input regarding policies and/or decisions of the
keputusan Direksi tentang perubahan Susunan Board of Directors regarding changes to the
Organisasi dan Tata Kelola sampai dengan 1 (satu) Organizational Structure and Governance up to 1
tingkat di bawah Direksi, mengidentifikasi hal-hal (one) level below the Board of Directors, identifies
yang memerlukan perhatian Dewan Komisaris, matters that require the attention of the Board of
melakukan evaluasi terhadap pelaksanaan asesmen Commissioners, evaluates the implementation of
dari asesor eksternal sesuai peraturan perundang- assessments from external assessors in accordance
undangan yang berlaku, serta melaksanakan tugas with applicable laws and regulations, as well as
lain yang diberikan Dewan Komisaris sepanjang carrying out other duties assigned by the Board of
masih dalam lingkup tugas dan kewajiban Dewan Commissioners as long as they are still within the
Komisaris berdasarkan ketentuan peraturan scope of the duties and obligations of the Board
perundang-undangan. of Commissioners based on the provisions of laws
and regulations.
Dalam melaksanakan tugas dan fungsinya, Komite In carrying out its duties and functions, the
Nominasi dan Remunerasi berpedoman pada Nomination and Remuneration Committee is
Piagam Komite Nominasi dan Remunerasi, serta guided by the Nomination and Remuneration
Rencana Kerja dan Anggaran Komite Nominasi Committee Charter, as well as the 2023 Nomination
dan Remunerasi tahun 2023. Komite Nominasi dan and Remuneration Committee Work Plan and
Remunerasi telah melakukan rapat dengan Komite Budget. The Nomination and Remuneration
Audit, Komite Pemantau, Direktorat Human Committee has held meetings with the Audit
Capital, Direktorat Keuangan dan Perencanaan Committee, Monitoring Committee, Human Capital
Strategis dan divisi-divisi terkait, serta dengan Directorate, Finance Directorate and Strategic
Dewan Komisaris sesuai dengan Rencana Kerja Planning and related divisions, as well as with the
dan Anggaran Komite Nominasi dan Remunerasi Board of Commissioners in accordance with the
tahun 2023 dengan tingkat kehadiran rata-rata 2023 Nomination and Remuneration Committee
mencapai mencapai 100%. Work Plan and Budget with an average attendance
level reaching 100%.
Selain itu, Komite Nominasi dan Remunerasi telah In addition, the Nomination and Remuneration
memberikan pendapat, masukan dan rekomendasi Committee has provided significant opinions,
yang signifikan kepada Dewan Komisaris sesuai input and recommendations to the Board of
dengan bidang tugas Komite Nominasi dan Commissioners in accordance with the Nomination
Remunerasi, antara lain terkait: and Remuneration Committee’s duties, including:
a. Sumber Daya Manusia; a. Human Resources;
b. Struktur Organisasi dan Tata Kerja; b. Organizational Structure and Work Procedures;
c. Talent succession management; c. Talent succession management;
d. Laporan pelaksanaan tugas Komite Nominasi d. Report on the implementation of the duties of
dan Remunerasi tahun 2023; dan the Nomination and Remuneration Committee
in 2023; and
e. Tugas-tugas lain sesuai dengan penugasan e. Other duties as assigned by the Board of
Dewan Komisaris. Commissioners.
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Dalam rangka pelaksanaan tugas membantu In order to carry out its duties to assist the Board
tugas Dewan Komisaris untuk mendapatkan of Commissioners in obtaining information,
informasi, klarifikasi dan gambaran atas kemajuan/ clarification and description of progress/
perkembangan serta permasalahan yang dihadapi developments as well as problems faced by
Wilayah dan Cabang/Unit, Komite Nominasi dan Regions and Branches/Units, the Nomination and
Remunerasi telah melakukan kunjungan kerja Remuneration Committee has carried out working
baik virtual maupun kunjungan fisik ke Wilayah visits, both virtual and physical, to Regions and
dan Cabang/ Unit sesuai dengan penugasan Branches/Units in accordance with assignment of
Dewan Komisaris. Dalam rangka meningkatkan the Board of Commissioners. In order to improve
kompetensi, Komite Nominasi dan Remunerasi competence, the Nomination and Remuneration
juga telah mengikuti program Pendidikan dan Committee has also participated in the Education
Pelatihan. and Training program.
Pada tahun 2023, Dewan Komisaris menilai bahwa In 2023, the Board of Commissioners assess that
tugas-tugas Komite Nominasi dan Remunerasi the duties of the Nomination and Remuneration
telah dilaksanakan dengan baik dan telah sesuai Committee have been carried out well and are
dengan target yang ditetapkan dalam Rencana in accordance with the targets set in the 2023
Kerja dan Anggaran Komite Nominasi dan Nomination and Remuneration Committee Work
Remunerasi tahun 2023. Plan and Budget.
Komisaris Independen Independent Commissioner
Komisaris Independen merupakan anggota Dewan Independent Commissioners are members of the Board
Komisaris yang tidak memiliki hubungan keuangan, of Commissioners who have no financial, management,
kepengurusan, kepemilikan saham dan/atau hubungan share ownership and/or family relationships with
keluarga dengan anggota Dewan Komisaris, anggota members of the Board of Commissioners, members of
Direksi dan/atau pemegang saham pengendali atau the Board of Directors and/or controlling shareholders
dengan Perseroan yang mungkin menghalangi atau or with the Company which may impede or impede
menghambat posisinya untuk bertindak independen their position to act independently in accordance with
sesuai dengan prinsip-prinsip governansi korporat. the corporate governance principles. The appointment
Pengangkatan Komisaris Independen diatur dalam of Independent Commissioners is regulated in the
Peraturan Menteri BUMN No. PER-09/MBU/2012 Minister of SOEs Regulation No. PER-09/ MBU/2012
tentang Perubahan atas Peraturan Menteri Negara concerning Amendments to the Regulation of
BUMN No. PER-01/MBU/2011 tentang Penerapan the State Minister for SOEs No. PER-01/MBU/2011
Tata Kelola Perusahaan yang Baik (Good Corporate concerning the Implementation of Good Corporate
Governance) pada Badan Usaha Milik Negara. Governance in State-Owned Enterprises.
Kriteria Penentuan Komisaris Independen Criteria for Determining Independent
Commissioner
Kriteria penentuan Komisaris Independen berdasarkan The criteria for determining Independent
Peraturan Otoritas Jasa Keuangan No. 33/ Commissioners based on Financial Services Authority
POJK.04/2014 tentang Direksi dan Dewan Komisaris Regulation Number: 33/POJK.04/2014 concerning
Emiten atau Perusahaan Publik adalah sebagai berikut: Directors and Board of Commissioners of Issuers or
Public Companies are as follows:
1. Bukan merupakan orang yang bekerja atau 1. Not a person who works or has the authority and
mempunyai wewenang dan tanggung jawab untuk responsibility to plan, lead, control, or supervise
merencanakan, memimpin, mengendalikan, atau the activities of the issuer or public company within
mengawasi kegiatan emiten atau perusahaan the last 6 (six) months except for reappointment
publik tersebut dalam waktu 6 (enam) bulan as Independent Commissioner of the issuer or
terakhir kecuali untuk pengangkatan kembali public company in the following period.
sebagai Komisaris Independen emiten atau
perusahaan publik pada periode berikutnya.
2. Tidak mempunyai saham baik langsung maupun 2. Does not have shares, either directly or indirectly,
tidak langsung pada emiten atau perusahaan in the issuer or public company.
publik tersebut.
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Tata Kelola Perusahaan
Corporate Governance
3. Tidak mempunyai hubungan afiliasi dengan emiten 3. Has no affiliation with the issuer or public company,
atau perusahaan publik, anggota Dewan Komisaris, members of the board of commissioners, members
anggota Direksi atau pemegang saham utama of the board of directors or major shareholder of
emiten atau perusahaan publik tersebut. the issuer or public company.
4. Tidak mempunyai hubungan usaha baik langsung 4. Does not have a direct or indirect business
maupun tidak langsung yang berkaitan dengan relationship with the business of the issuer or
usaha emiten atau perusahaan publik. public company.
Komposisi dan Jumlah Komisaris Composition and Number of Independent
Independen Commissioners
Per 31 Desember 2023, jumlah Komisaris Independen As of December 31, 2023, the number of Independent
Perseroan adalah 4 (empat) orang dari 8 (delapan) Commissioners of the Company is 4 (four) people out
orang jumlah keseluruhan anggota Dewan Komisaris, of the total number of 8 (eight) members of the Board
melebihi batas minimum jumlah Komisaris Independen of Commissioners, exceeding the minimum limit for
yang ditetapkan dalam Pedoman dan Tata Tertib Kerja the number of Independent Commissioners stipulated
Dewan Komisaris PT Pegadaian. in the Guidelines and Work Rules for the Board of
Commissioners of PT Pegadaian.
Adapun Komisaris Independen Perseroan per 31 The Company’s Independent Commissioners as of
Desember 2023, yaitu sebagai berikut: December 31, 2023, are as follows:
1. Sdr. Makmur Keliat diangkat berdasarkan Surat 1. Makmur Keliat was appointed based on the Decree
Keputusan Menteri BUMN No. SK-59/MBU/02/2020 of the Minister of SOEs No. SK-59/MBU/02/2020
tanggal 27 Februari 2020 untuk masa jabatan dated February 27, 2020 for a term of office until
hingga RUPS yang akan diselenggarakan di tahun the GMS to be held in 2025. This position is the
2025. Jabatan ini merupakan periode pertama. first period.
2. Sdr. Nezar Patria diangkat berdasarkan 2. Nezar Patria was appointed based on the Decree
Surat Keputusan Menteri BUMN No. SK-105/ of the Minister of SOEs No: SK-105/MBU/04/2022
MBU/04/2022 dan Direktur Utama Perusahaan and the President Director of the Limited Liability
Perseroan (Persero) PT. Bank Rakyat Indonesia, Company (Persero) PT. Bank Rakyat Indonesia,
Tbk. selaku Para Pemegang Saham PT Pegadaian Tbk. as Shareholders of PT Pegadaian No: 0014-
No. 0014-DIR/ HCB/04/2022 tanggal 25 April DIR/ HCB/04/2022 dated April 25, 2022 for a term
2022 untuk masa jabatan hingga RUPS yang of office until the GMS to be held in 2027. This
akan diselenggarakan di tahun 2027. Jabatan ini position is the first period.
merupakan periode pertama.
3. Sdr. Yudi Priambodo P. diangkat berdasarkan 3. Yudi Priambodo P. was appointed based on
Surat Keputusan Menteri BUMN No. SK-105/ the Decree of the Minister of SOEs No: SK105/
MBU/04/2022 dan Direktur Utama Perusahaan MBU/04/2022 and the President Director of the
Perseroan (Persero) PT. Bank Rakyat Indonesia, Limited Liability Company (Persero) PT. Bank
Tbk. selaku Para Pemegang Saham PT Pegadaian Rakyat Indonesia, Tbk. as Shareholders of PT
No. 0014-DIR/HCB/04/2022 tanggal 25 April Pegadaian No: 0014-DIR/HCB/04/2022 dated
2022 untuk masa jabatan hingga RUPS yang April 25, 2022 for a term of office until the GMS
akan diselenggarakan di tahun 2027. Jabatan ini to be held in 2027. This position is the first period.
merupakan periode pertama.
4. Sdr. Muhammad Isnaini diangkat berdasarkan 4. Muhammad Isnaini was appointed based on
Surat Keputusan Menteri BUMN No. SK-281/ the Decree of the Minister of SOEs No. SK-281/
MBU/10/2023 dan Direktur Utama Perusahaan MBU/10/2023 and President Director of PT. Bank
Perseroan (Persero) PT. Bank Rakyat Indonesia, Rakyat Indonesia, Tbk. as Shareholder of PT
Tbk. selaku Pemegang Saham PT Pegadaian Pegadaian No. 1068-DIR/HCB/10/2023 dated
No. 1068-DIR/HCB/10/2023 tanggal 11 Oktober October 11, 2023 for the term of office until the
2023 untuk masa jabatan hingga RUPS yang GMS to be held in 2028. This position is the first
akan diselenggarakan di tahun 2028 Jabatan ini term.
merupakan periode pertama.
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Pernyataan Independensi Independence Statement
Komisaris Independen Perseroan telah membuat The Company’s Independent Commissioner has made
Surat Pernyataan Independensi dan telah disampaikan a Statement of Independence and has submitted it to
kepada OJK. Di samping membuat pernyataan FSA. In addition to making statements of independence,
independensi, anggota Dewan Komisaris juga members of the Board of Commissioners are also
berkewajiban untuk melapor apabila terjadi perubahan obliged to report any changes in status that affect
status yang mempengaruhi independensinya serta their independence and ensure that this practice has
memastikan praktik ini telah dilaksanakan sesuai been carried out in accordance with GCG principles.
dengan prinsip Governansi Perusahaan.
Surat Pernyataan Independensi Komisaris Indepeden
Statement of Independence of Independent Commissioner
Makmur Keliat Nezar Patria
Yudi PriambodoP. Muhammad Isnaini
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Tata Kelola Perusahaan
Corporate Governance
Direksi
Board of Directors
Direksi merupakan organ Perseroan yang bertanggung The Board of Directors is an organ of the Company
jawab penuh atas pengurusan Perseroan untuk that is fully responsible for the management of the
kepentingan dan tujuan Perseroan serta mewakili Company both inside and outside the Court. Each
Perseroan baik di dalam maupun di luar Pengadilan. member of the Board of Directors can carry out their
Masing-masing anggota Direksi dapat melaksanakan duties and make decisions in accordance with the
tugas dan mengambil keputusan sesuai dengan division of tasks and authority, but the implementation
pembagian tugas dan wewenangnya, namun of tasks by each member of the Board of Directors
pelaksanaan tugas oleh masing-masing anggota remains a shared responsibility.
Direksi tetap merupakan tanggung jawab bersama.
Masa Jabatan Direksi Term of Office of the Board of
Directors
Berdasarkan Board Manual Direksi yang dimiliki Based on the Company’s Board Manual for the Board
Perseroan, masa jabatan anggota Direksi ditetapkan of Directors, the term of office of members of the
5 (lima) tahun dan dapat diangkat kembali untuk 1 Board of Directors is set at 5 (five) years and can be
(satu) kali masa jabatan. reappointed for 1 (one) term of office.
Susunan dan Dasar Pengangkatan Term of Office of the Board of
Direksi Tahun 2023 Directors
Komposisi Direksi ditetapkan agar dapat memudahkan The composition of the Board of Directors is
kemungkinan pengambilan keputusan secara efektif, determined to facilitate the possibility of making
tepat dan cepat, serta dapat bertindak independen. decisions effectively, precisely and quickly, as well
Selama tahun 2023, komposisi Direksi Perseroan as being able to act independently. During 2023, the
mengalami 1 (satu) kali perubahan berdasarkan Surat composition of the Company’s Board of Directors was
Keputusan Keputusan Menteri BUMN dan Direktur underwent 1 (one) change based on the Decree of
Utama Perusahaan Perseroan (Persero) PT Bank the Minister of SOEs and the President Director of PT
Rakyat Indonesia, TBK No. SK-164/MBU/06/2023 & Bank Rakyat Indonesia, Tbk No. SK-164/MBU/06/2023
0629-DIR/HCB/06/2023, Keputusan Menteri BUMN & 0629-DIR/HCB/06/2023, Decree of the Minister
dan Direktur Utama Perusahaan Perseroan (Persero) PT of SOEs and President Director of PT Bank Rakyat
Bank Rakyat Indonesia, TBK No. SK-164/MBU/06/2023 Indonesia, Tbk No. SK-164/MBU/06/2023 & 0629-DIR/
& 0629-DIR/HCB/06/2023, dan Keputusan Menteri HCB/06/2023, and Decree of the Minister of SOEs and
BUMN dan Direktur Utama Perusahaan Perseroan the President Director of PT Bank Rakyat Indonesia,
(Persero) PT Bank Rakyat Indonesia, Tbk. No. SK-104/ Tbk. No. SK-104/MBU/04/2022 and No. 0013-DIR/
MBU/04/2022 dan No. 0013-DIR/HCB/04/2022. HCB/04/2022.
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Adapun kronologis perubahan susunan Direksi per 31 The chronology of changes to the composition of
Desember 2023, sebagai berikut: the Board of Directors as of December 31, 2023 is as
follows:
Kronologi Perubahan Susunan Direksi di Sepanjang Tahun 2023
Chronology of Changes in the Composition of the Board of Directors Throughout 2023
Direksi yang Berhenti Menjabat Direksi yang Baru Menjabat Keterangan
Directors Ceased to Serve Newly Appointed Directors Description
Dialihkan penugasan menjadi Direktur
Ferdian Timur Satyagraha
Keuangan dan Perencanaan Strategis
Direktur Keuangan dan Manajemen
sejak 23 Juni 2023
Risiko'
Transferred to the position of Director of
Director of Finance and Risk
Finance and Strategic Planning since June
Management
23, 2023
Diangkat menjadi Direktur Manajemen
Udin Salahudin
Risiko, Legal, dan Kepatuhan sejak tanggal
Direktur Manajemen Risiko, Legal, dan
23 Juni 2023
Kepatuhan
Appointed as Director of Risk
Director of Risk Management, Legal
Management, Legal and Compliance since
and Compliance
June 23, 2023
Ridwan Arbian Syah
Direktur Human Capital, Legal, dan Diberhentikan dengan hormat sejak
Compliance tanggal 23 Juni 2023
Director of Human Capital, Legal and Honorably dismissed on June 23, 2023
Compliance
Diangkat menjadi Direktur Human Capital
E.R.A. Taufiq
sejak tanggal 23 Juni 2023
Direktur Human Capital
Appointed as Director of Human Capital
Director of Human Capital
since June 23, 2023
Susunan Direksi per 31 Desember 2023
Composition of the Board of Directors as of December 31, 2023
Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan Jabatan
Name Position Basis of Appointment Term of Office Service
Period
Keputusan Menteri BUMN dan Direktur Utama
Perusahaan Perseroan (Persero) PT Bank Rakyat
Indonesia, Tbk. No. SK-177/MBU/08/2022 & No. 22 Agustus 2022 -
Damar Latri Direktur Utama 1389-DIR/CSC/08/2022. RUPS Tahun 2027 Ke-2
Setiawan President Director Decree of the Minister of SOEs and the President August 22, 2022 – 2nd
Director of PT Bank Rakyat Indonesia (Persero) GMS in 2027
Tbk. No. SK-177/MBU/08/2022 & No. 1389-DIR/
CSC/08/2022.
Direktur Teknologi
Informasi dan
Surat Keputusan Menteri BUMN No. SK-177/ 22 Agustus 2022 -
Digital
Teguh MBU/08/2022 & No. 1389-DIR/CSC/08/2022. RUPS Tahun 2027 Ke-2
Director of
Wahyono Decree of Minister of SOEs No. SK-177/ August 22, 2022 – 2nd
Information
MBU/08/2022 & No. 1389-DIR/CSC/08/2022 GMS in 2027
Technology and
Digital
Surat Keputusan Menteri BUMN No. SK-58/ 27 Februari 2020 -
Direktur Umum
Gunawan MBU/02/2020 tanggal 27 Februari 2020. RUPS Tahun 2025 Ke-1
Director of General
Sulistyo Decree of Minister of SOEs No. SK-58/ February 27, 2020 – 1st
Affairs
MBU/02/2020 dated February 27, 2020. GMS in 2025
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Tata Kelola Perusahaan
Corporate Governance
Susunan Direksi per 31 Desember 2023
Composition of the Board of Directors as of December 31, 2023
Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan Jabatan
Name Position Basis of Appointment Term of Office Service
Period
Keputusan Menteri BUMN dan Direktur Utama
Direktur Keuangan Perusahaan Perseroan (Persero) PT Bank Rakyat
dan Perencanaan Indonesia, Tbk No. SK-164/MBU/06/2023 & No. 23 Juni 2023 - RUPS
Ferdian Timur Strategis 0629-DIR/HCB/06/2023 tanggal 23 Juni 2023. Tahun 2027 Ke-1
Satyagraha Director of Finance Decree of the Minister of SOEs and the President June 23, 2023 – 1st
and Strategic Director of PT Bank Rakyat Indonesia (Persero) GMS in 2027
Planning Tbk No. SK-164/MBU/06/2023 & No. 0629-DIR/
HCB/06/2023 dated June 23, 2023.
Keputusan Menteri BUMN dan Direktur Utama
Direktur Jaringan, Perusahaan Perseroan (Persero) PT Bank Rakyat
Operasi, dan Indonesia, Tbk. No. SK-104/MBU/04/2022 dan No. 25 April 2022 -
Eka Penjualan 0013-DIR/HCB/04/2022 RUPS Tahun 2027 Ke-1
Pebriansyah Director of Decree of the Minister of SOEs and the President April 25, 2022 – 1st
Network, Operation Director of PT Bank Rakyat Indonesia (Persero) GMS in 2027
and Sales Tbk. No. SK-104/MBU/04/2022 and No. 0013-
DIR/HCB/04/2022
Direktur Keputusan Menteri BUMN dan Direktur Utama
Pemasaran dan Perusahaan Perseroan (Persero) PT Bank Rakyat
Pengembangan Indonesia, Tbk. No. SK-104/MBU/04/2022 dan No. 25 April 2022 -
Elvi Rofiqotul
Produk 0013-DIR/HCB/04/2022 RUPS Tahun 2027 Ke-1
Hidayah
Director of Decree of the Minister of SOEs and the President April 25, 2022 – 1st
Marketing Director of PT Bank Rakyat Indonesia (Persero) GMS in 2027
and Product Tbk. No. SK-104/MBU/04/2022 and No. 0013-
Development DIR/HCB/04/2022
Keputusan Menteri BUMN dan Direktur Utama
Direktur
Perusahaan Perseroan (Persero) PT Bank Rakyat
Manajemen
Indonesia, Tbk Nomor : SK-164/MBU/06/2023 & 23 Juni 2023 -RUPS
Risiko, Legal, dan
Udin 0629-DIR/HCB/06/2023 tanggal 23 Juni 2023. Tahun 2028 Ke-1
Kepatuhan
Salahudin** Decree of the Minister of SOEs and the President June 23, 2023 – 1st
Director of Risk
Director of PT Bank Rakyat Indonesia (Persero) GMS in 2028
Management, Legal
Tbk No: SK-164/MBU/06/2023 & 0629-DIR/
and Compliance
HCB/06/2023 dated June 23, 2023.
Surat Keputusan Keputusan Menteri BUMN dan
Direktur Utama Perusahaan Perseroan (Persero)
PT Bank Rakyat Indonesia, TBK No. SK-164/
Direktur Human 23 Juni 2023 -RUPS
MBU/06/2023 & 0629-DIR/HCB/06/2023 tanggal
E.R.A. Taufiq*** Capital Tahun 2028 Ke-1
23 Juni 2023.
Director of Human June 23, 2023 – 1st
Decree of the Minister of SOEs and the President
Capital GMS in 2028
Director of PT Bank Rakyat Indonesia (Persero)
Tbk No: SK-164/MBU/06/2023 & 0629-DIR/
HCB/06/2023 dated June 23, 2023.
Keterangan:
*Peralihan penugasan pada tanggal 23 Juni 2023 dari jabatan sebelumnya Direktur Keuangan dan Manajemen Risiko
**Diangkat menjadi Direktur Manajemen Risiko, Legal, dan Kepatuhan pada tanggal 23 Juni 2023
***Diangkat menjadi Direktur Human Capital pada tanggal 23 Juni 2023
Description:
*Transfer of position on June 23, 2023 from the previous position of Director of Finance and Risk Management
**Appointed as Director of Risk Management, Legal and Compliance on June 23, 2023
***Appointed as Director of Human Capital on June 23, 2023
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Informasi mengenai profil singkat masing-masing Information on brief profile of each member of
anggota Direksi dapat dilihat pada bagian Profil the Board of Directors can be seen in the Board of
Direksi, dalam bab Profil Perusahaan pada Laporan Directors Profile section, in the Company Profile
Tahunan ini. chapter of this Annual Report.
Penilaian Kelayakan dan Kepatutan Fit and Proper Test of the Board of
Direksi Directors
Sesuai dengan Peraturan OJK No. 27/POJK.03/2016 In accordance with OJK Regulation No. 27/
tentang Uji Kemampuan dan Kepatutan (fit and proper POJK.03/2016 concerning the fit and proper test
test) bagi Pihak Utama Lembaga Jasa Keuangan, calon for Main Parties of Financial Services Institutions,
Direksi wajib lulus fit and proper test dan memperoleh candidates for the Board of Directors must pass the
persetujuan dari OJK sebelum menjalankan tugas dan fit and proper test and obtain approval from the OJK
fungsi dalam jabatannya. Adapun penjelasan status Uji before carrying out their duties and functions in their
Kemampuan dan Kepatutan Direksi yang menjabat di positions. The explanation of the status of the Fit and
akhir tahun 2023 dapat dijelaskan pada tabel di bawah Proper Test of the Board of Directors who served until
ini. the end of 2023 can be explained in the table below.
Nama Jabatan Persetujuan OJK Terkait Uji Kemampuan dan Kepatuhan
Status
Name Position OJK Approval on the Capability and Compliance Test
Direktur Utama
Lulus Surat OJK No. KEP-18/KDK.05/2022 tanggal 23 Mei 2022.
Damar Latri Setiawan President Director
Passed OJK Letter No. KEP-18/KDK.05/2022 dated May 23, 2022.
Direktur Teknologi Surat OJK No. KEP-48/KDK.05/2022 tanggal 11 Oktober
Teguh Wahyono Informasi dan Digital Lulus 2022
Director of Information Passed OJK Letter No. KEP-48/KDK.05/2022 dated October 11,
Technology and Digital 2022
Surat OJK No. KEP-89/KDK.05/2020 tanggal 03 Desember
Direktur Umum
Gunawan Sulistyo Lulus 2020
Director of General
Passed OJK Letter No. KEP-89/KDK.05/2020 dated December 3,
Affairs
2020
Direktur Keuangan dan
Ferdian Timur
Perencanaan Strategis Lulus Surat OJK No. KEP-19/KDK.05/2022 tanggal 23 Mei 2022.
Satyagraha
Director of Finance Passed OJK Letter No. KEP-19/KDK.05/2022 dated May 23, 2022.
and Strategic Planning
Direktur Jaringan,
Operasi, dan Penjualan Lulus Surat OJK No. KEP-21/KDK.05/2022 tanggal 23 Mei 2022.
Eka Pebriansyah
Director of Network, Passed OJK Letter No. KEP-21/KDK.05/2022 dated May 23, 2022.
Operation and Sales
Direktur Pemasaran
dan Pengembangan
Elvi Rofiqotul Hidayah
Produk Lulus Surat OJK No. KEP-20/KDK.05/2022 tanggal 23 Mei 2022.
Director of Marketing Passed OJK Letter No. KEP-20/KDK.05/2022 dated May 23, 2022.
and Product
Development
Direktur Manajemen
Risiko, Legal, dan Surat OJK No. KEP-9/KDK.06/2023 tanggal 7 November
Kepatuhan Lulus 2023.
Udin Salahudin
Director of Risk Passed OJK Letter No. KEP-9/KDK.06/2023 dated November 7,
Management, Legal 2023.
and Compliance
Direktur Human Surat OJK No. KEP-8/KDK.06/2023 tanggal 7 November
E.R.A. Taufiq Capital Lulus 2023
Director of Human Passed OJK Letter No. KEP-8/KDK.06/2023 dated November 7,
Capital 2023
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Tata Kelola Perusahaan
Corporate Governance
Pedoman dan Tata Tertib Kerja Direksi Work Guidelines and Charter of the
Board of Directors
Dalam melaksanakan tugas dan kewajibannya, Direksi In conducting its duties and obligations, the Board
berpedoman pada BOD Charter yang telah ditetapkan of Directors is guided by the BOD Charter which has
melalui melalui Peraturan Direksi No. 80 tahun 2022 been established through Regulation of the Board of
tanggal 30 November 2022 tentang BOD Charter. Directors No. 80 of 2022 dated November 30, 2022
Adapun hal-hal yang diatur dalam Piagam Tata Tertib concerning BOD Charter. The subjects regulated in the
Kerja Direksi (BOD Charter) terkait dengan Direksi Board of Directors Charter (BOD Charter) are:
mencakup:
1. Prinsip Tugas Direksi dan Nilai-Nilai Utama 1. Principles of Duties of the Board of Directors and
Perseroan; Main Values of the Company;
2. Persyaratan Direksi; 2. Requirements for the Board of Directors;
3. Pengangkatan dan Masa Jabatan Direksi; 3. Appointment and Term of Office of the Board of
Directors;
4. Pemberhentian dan Masa Pengunduran Diri Direksi; 4. Dismissal and Resignation Period for the Board of
Directors;
5. Tugas dan Kewajiban Direksi; 5. Duties and Obligations of the Board of Directors;
6. Wewenang dan Hak Direksi; 6. Authorities and Rights of the Board of Directors;
7. Etika Kerja dan Benturan Kepentingan Direksi; 7. Work Ethics and Conflicts of Interest of the Board
of Directors;
8. Mekanisme Kerja Direksi 8. Working Mechanism of the Board of Directors
9. Rapat Direksi; 9. Meeting of the Board of Directors;
10. Laporan Direksi dan Evaluasi Kinerja Direksi; 10. Report of the Board of Directors and Performance
Evaluation of the Board of Directors;
11. Pertanggungjawaban Direksi; 11. Accountability of the Board of Directors;
12. Program Pengenalan dan Pengembangan Direksi; 12. Introduction and Development Program of of the
Board of Directors;
13. Sekretaris Perusahaan dan Satuan Pengawasan 13. Corporate Secretary and Internal Audit Unit.
Intern.
Tugas dan Tanggung Jawab Direksi Duties and Responsibilities of the
Board of Directors
Perseroan telah mengatur tugas dan tanggung jawab The Company has regulated duties and responsibilities
dalam BOD Charter. Adapun tugas pokok Direksi, in the BOD Charter. The main duties of the Board of
antara lain: Directors include:
1. Direksi wajib melaksanakan prinsip-prinsip 1. The Board of Directors is required to implement the
Governansi Perusahaan dalam setiap kegiatan principles of Good Corporate Governance in every
usaha pada seluruh tingkatan atau jenjang business activity at all levels of the organization
organisasi.
2. Direksi bertugas menjalankan segala tindakan 2. The Board of Directors is in charge of carrying
yang berkaitan dengan pengurusan Perseroan out all actions related to the management of the
untuk kepentingan Perseroan dan sesuai dengan Company for the benefit of the Company and in
maksud dan tujuan Perseroan serta mewakili accordance with the purposes and objectives
Perseroan baik di dalam maupun di luar pengadilan of the Company and representing the Company
tentang segala hal dan segala kejadian dengan both inside and outside the court on all matters
pembatasan-pembatasan sebagaimana diatur and all events with limitations as stipulated in laws
dalam peraturan perundang-undangan, Anggaran and regulations, the Articles of Association and/or
Dasar dan/atau Keputusan RUPS. GMS Decisions.
3. Dalam melaksanakan tugasnya, Direksi wajib 3. In carrying out their duties, the Board of Directors
mencurahkan tenaga, pikiran, perhatian dan must devote their energy, thoughts, attention
pengabdiannya secara penuh pada tugas, and full dedication to the duties, obligations and
kewajiban dan pencapaian tujuan Perseroan. achievement of the Company’s goals.
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4. Dalam melaksanakan tugasnya, Anggota Direksi 4. In carrying out their duties, Members of the Board
harus mematuhi Anggaran Dasar Perseroan of Directors must comply with the Company’s
dan peraturan perundang-undangan serta wajib Articles of Association and laws and regulations and
melaksanakan prinsip-prinsip profesionalisme, must implement the principles of professionalism,
efisiensi, transparansi, kemandirian, akuntabilitas, efficiency, transparency, independence,
pertanggungjawaban serta kewajaran. responsibility and fairness. accountability,
5. Dalam melindungi proses bisnis dan memastikan 5. In protecting business processes and ensuring fast
penangannya cepat dan efektif agar Perseroan and effective handling so that the Company can
dapat segera memberikan layanan operasional immediately provide operational services due to
akibat dampak gangguan (disruption) yang the impact of disruptions that occur, the Board
terjadi, maka Direksi menerapkan BCMS (Business of Directors implements the BCMS (Business
Continuity Management System) mengacu pada Continuity Management System) referring to the
Pedoman BCMS (Business Continuity Management latest BCMS (Business Continuity Management
System) terkini. System) Guidelines.
6. Setiap Anggota Direksi wajib dengan itikad baik 6. Each member of the Board of Directors must in
dan penuh tanggung jawab menjalankan tugas good faith and with full responsibility carry out
untuk kepentingan dan usaha Perseroan dengan their duties for the interests and business of the
mengindahkan peraturan perundang-undangan Company by observing the applicable laws and
yang berlaku. regulations.
7. Tindakan yang dilakukan oleh Anggota Direksi di 7. Actions taken by members of the Board of
luar yang diputuskan oleh Rapat Direksi menjadi Directors other than those decided by the Board of
tanggung jawab pribadi yang bersangkutan Directors Meeting are the personal responsibility
sampai dengan tindakan dimaksud disetujui oleh of the person concerned until the said actions are
Rapat Direksi. approved by the Board of Directors Meeting.
8. Dalam rangka mendukung efektivitas pelaksanaan 8. In order to effectively support the implementation
tugas dan tanggung jawabnya, Direksi dapat of their duties and responsibilities, the Board of
membentuk Komite. Directors may form a Committee.
9. Direksi menyusun dan melaksanakan rencana 9. The Board of Directors prepares and implements
kegiatan dalam rangka meningkatkan Literasi activity plans in order to increase Financial Literacy
Keuangan dan Inklusi Keuangan. and Financial Inclusion.
10. Direksi menyusun dan melaporkan laporan harta 10. The Board of Directors compiles and reports on
kekayaan penyelenggara negara (LHKPN). the wealth of state administrators (LHKPN).
11. Direksi menyusun Rencana Aksi Keuangan 11. The Board of Directors prepares a Sustainable
Berkelanjutan (RAKB). Financial Action Plan (RAKB).
12. Direksi wajib meminta persetujuan RUPS untuk: 12. The Board of Directors must seek approval from
the GMS for:
a. Mengalihkan kekayaan Perseroan; atau a. Transferring the Company’s assets; or
b. Menjadikan jaminan utang kekayaan Perseroan b. Making collateral for the Company’s debt assets
yang merupakan lebih dari 50% (lima puluh which are more than 50% (fifty percent) of the
persen) jumlah kekayaan bersih Perseroan Company’s net worth in 1 (one) transaction or
dalam 1 (satu) transaksi atau lebih, baik yang more, whether related to one another or not.
berkaitan satu sama lain maupun tidak.
13. Dalam rangka melaksanakan kebijakan 13. In order to implement the Company’s management
kepengurusan Perseroan, apabila tidak ditetapkan policies, unless otherwise determined by the Board
lain oleh Direksi, Direktur Utama berhak dan of Directors, the President Director has the right
berwenang bertindak untuk dan atas nama Direksi and authority to act for and on behalf of the Board
serta mewakili Perseroan dengan ketentuan semua of Directors and represent the Company provided
tindakan Direktur Utama dimaksud telah disetujui that all the actions of the President Director have
oleh Rapat Direksi. been approved by the Board of Directors meeting.
14. Direksi menjaga kerahasiaan informasi yang 14. The Board of Directors maintains the confidentiality
diperoleh sewaktu menjabat sebagai Anggota of information obtained while serving as a Member
Direksi sesuai dengan peraturan perundang- of the Board of Directors in accordance with the
undangan yang berlaku. applicable laws and regulations.
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Tata Kelola Perusahaan
Corporate Governance
Dalam melaksanakan tugasnya, Direksi berkewajiban/ In carrying out its duties, the Board of Directors is
bertanggung jawab untuk: obliged/ responsible for:
1. Mengusahakan dan menjamin terlaksananya usaha 1. Seek and guarantee the implementation of the
dan kegiatan Perseroan sesuai dengan maksud Company’s business and activities in accordance
dan tujuan serta kegiatan usahanya; with the aims and objectives and business
activities;
2. Menyiapkan pada waktunya Rencana Jangka 2. Prepare in time the Company’s Long Term
Panjang Perseroan, Rencana Kerja dan Anggaran Plan, the Company’s Work Plan and Budget,
Perseroan, dan Perseroan serta menyampaikannya and the Company’s and submit it to the Board
kepada Dewan Komisaris dan Pemegang Saham of Commissioners and Shareholders to obtain
untuk mendapatkan pengesahan RUPS; approval from the GMS;
3. Memberikan penjelasan kepada RUPS mengenai 3. Provide an explanation to the GMS regarding the
Rencana Jangka Panjang Perseroan dan Rencana Company’s Long Term Plan and the Company’s
Kerja dan Anggaran Perseroan; Work Plan and Budget;
4. Membuat Daftar Pemegang Saham, Daftar Khusus, 4. Make a Register of Shareholders, Special Register,
Risalah RUPS dan Risalah Rapat Direksi; Minutes of GMS and Minutes of Board of Directors
Meetings;
5. Membuat Laporan Tahunan dan laporan 5. Making Annual Report and sustainability report as
keberlanjutan sebagai wujud pertanggungjawaban a form of accountability for the management of
pengurusan Perseroan, serta dokumen keuangan the Company, as well as the Company’s financial
Perseroan bagaimana dimaksud dalam Undang- documents as referred to in the Law on Company
Undang tentang Dokumen Perseroan; Documents;
6. Menyusun Laporan Keuangan berdasarkan Standar 6. Prepare Financial Statements based on Financial
Akuntansi Keuangan dan menyerahkan kepada Accounting Standards and submit them to Public
Akuntan Publik untuk diaudit; Accountants for auditing;
7. Menyampaikan Laporan Tahunan termasuk 7. Submitting the Annual Report including the
Laporan Keuangan kepada RUPS untuk disetujui Financial Statements to the GMS for approval and
dan disahkan serta laporan mengenai hak-hak ratification as well as a report on the Company’s
Perseroan yang tidak tercatat dalam pembukuan rights that are not recorded in the books, among
antara lain sebagai akibat penghapusbukuan others, as a result of writing off receivables;
piutang;
8. Memberikan penjelasan kepada RUPS mengenai 8. Provide an explanation to the GMS on the Annual
Laporan Tahunan; Report;
9. Menyampaikan Neraca dan Laporan Laba Rugi 9. Delivering the Balance Sheet and Profit and Loss
yang telah disahkan oleh RUPS kepada Menteri Report which has been approved by the GMS to the
yang membidangi Hukum dan Hak Asasi Manusia Minister of Law and Human Rights in accordance
sesuai dengan ketentuan peraturan perundang- with the provisions of the laws and regulations;
undangan;
10. Menyampaikan laporan perubahan susunan 10. Submit a report on changes in the composition of
Pemegang Saham, Direksi dan Dewan Komisaris Shareholders, the Board of Directors and Board of
kepada Menteri yang membidangi Hukum dan Hak Commissioners to the Minister of Law and Human
Asasi Manusia Republik Indonesia; Rights of the Republic of Indonesia;
11. Memelihara Daftar Pemegang Saham, Daftar 11. Maintain the Register of Shareholders, Special
Khusus, Risalah RUPS, Risalah Rapat Dewan Register, Minutes of GMS, Minutes of Board of
Komisaris dan Risalah Rapat Direksi, Laporan Commissioners and Board of Directors Meetings,
Tahunan dan dokumen keuangan Perseroan; Annual Report and Company financial documents;
12. Menyimpan di tempat kedudukan Perseroan yaitu 12. Keep at the domicile of the Company, namely the
Daftar Pemegang Saham, Daftar Khusus, Risalah Register of Shareholders, Special Register, Minutes
RUPS, Risalah Rapat Dewan Komisaris dan Risalah of GMS, Minutes of Board of Commissioners and
Rapat Direksi, Laporan Tahunan dan dokumen Board of Directors Meetings, Annual Report and
keuangan Perseroan serta dokumen Perseroan Company financial documents and other Company
lainnya; documents;
13. Menyusun sistem akuntansi sesuai dengan Standar 13. Develop an accounting system in accordance with
Akuntansi Keuangan dan berdasarkan prinsip- Financial Accounting Standards and based on
prinsip pengendalian intern, terutama fungsi the principles of internal control, especially the
pengurusan, pencatatan, penyimpanan, dan functions of management, recording, storage and
pengawasan; supervision;
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14. Memberikan laporan berkala menurut cara dan 14. Provide periodic reports according to the method
waktu sesuai dengan ketentuan yang berlaku, serta and time in accordance with applicable regulations,
laporan lainnya setiap kali diminta oleh Dewan as well as other reports whenever requested by the
Komisaris dan/ atau Pemegang Saham; Board of Commissioners and/or Shareholders;
15. Menyiapkan susunan organisasi Perseroan lengkap 15. Prepare the organizational structure of the
dengan perincian dan tugasnya; Company complete with details and duties;
16. Memberikan penjelasan tentang segala hal yang 16. Provide an explanation of all matters that are
ditanyakan atau yang diminta anggota Dewan asked or requested by members of the Board of
Komisaris dan Para Pemegang Saham; Commissioners and Shareholders;
17. Menyusun dan menetapkan blue print organisasi 17. Arrange and determine the blueprint of the
Perseroan; Company’s organization;
18. Menjalankan kewajiban-kewajiban lainnya sesuai 18. Carry out other obligations in accordance with the
dengan ketentuan yang diatur dalam Anggaran provisions stipulated in the Articles of Association
Dasar dan yang ditetapkan oleh RUPS berdasarkan and determined by the GMS based on laws and
peraturan perundang-undangan; regulations;
19. Memenuhi permintaan dan pengaksesan data 19. Fulfilling requests for and accessing the Company’s
dan dokumen Perseroan yang disampaikan oleh data and documents submitted by Series A
Pemegang Saham Seri A Dwiwarna; Dwiwarna Shareholders;
20. Menyusun piagam/pedoman dan tata tertib kerja 20. Prepare the charter/guidelines and work rules of
Direksi (BOD Charter); the Board of Directors (BOD Charter);
21. Menetapkan pedoman dan/atau kebijakan tata 21. Establish guidelines and/or policies for managing
kelola kegiatan investasi setelah terlebih dahulu investment activities after first obtaining approval
mendapatkan persetujuan Dewan Komisaris. from the Board of Commissioners.
Wewenang Direksi antara lain meliputi: Authorities of the Board of Directors include:
1. Menetapkan kebijakan kepengurusan Perseroan 1. Establish policies on the management of the
dengan ketentuan bahwa terhadap kebijakan di Company with the provision that policies in the
bidang Akuntansi dan Keuangan, Pengembangan f ields of Accounting and Finance, Development
dan Investasi, Operasional, Pemasaran, Produk dan and Investment, Operations, Marketing, Products
Komunikasi, Informasi Teknologi, Pengadaan dan and Communications, Information Technology,
Logistik, Sumber Daya Manusia dan Culture, Tata Procurement and Logistics, Human Resources
Kelola Terintegrasi termasuk Manajemen Risiko, and Culture, Integrated Governance including
Kepatuhan dan Audit, Hukum, ESG (Environmental, Risk Management, Compliance and Audit, Law,
Social and Governance), Program Kemitraan dan ESG (Environmental, Social and Governance),
Bina Lingkungan, serta kebijakan dan strategis Partnership and Community Development
lainnya agar selalu selaras dan sesuai dengan Programs, as well as other policies and strategies
kebijakan dan peraturan yang berlaku pada so that they are always aligned and in accordance
pemegang Saham Seri B terbanyak, Direksi wajib with the policies and regulations that apply to the
berpedoman pada kebijakan yang ditetapkan oleh holder of the most Series B Shares, the Board of
Pemegang Saham Seri A Dwiwarna atau yang Directors, must be guided by the policies set by
diberikan kuasa; the Holder Series A Dwiwarna share or authorized;
2. Mengatur penyerahan kekuasaan Direksi kepada 2. Regulate the transfer of authority of the Board
seorang atau beberapa orang Anggota Direksi of Directors to one or several members of the
untuk mengambil keputusan atas nama Direksi Board of Directors to make decisions on behalf of
atau mewakili Perseroan di dalam dan di luar; the Board of Directors or represent the Company
inside and outside;
3. Mengatur penyerahan kekuasaan Direksi kepada 3. Regulate the transfer of powers of the Board of
seorang atau beberapa orang pekerja Perseroan Directors to one or several employees of the
baik sendiri-sendiri maupun bersama-sama atau Company either individually or jointly or to other
kepada orang lain, untuk mewakili Perseroan di people, to represent the Company inside and
dalam dan di luar Pengadilan; outside the Court;
4. Mengatur ketentuan-ketentuan tentang 4. Regulates provisions regarding the Company’s
kepegawaian Perseroan termasuk penetapan gaji, employment including the determination of salary,
pensiun atau jaminan hari tua dan penghasilan lain pension or old age benefits and other income for
bagi pekerja Perseroan berdasarkan peraturan Company employees based on applicable laws
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Tata Kelola Perusahaan
Corporate Governance
perundang-undangan yang berlaku, dengan and regulations, with provisions for determining
ketentuan penetapan gaji, pensiun atau jaminan salaries, pensions or old age benefits and other
hari tua dan penghasilan lain bagi pekerja income for employees that exceed the stipulated
yang melampaui kewajiban yang ditetapkan obligations laws and regulations, must obtain prior
peraturan perundang-undangan, harus mendapat approval from the GMS;
persetujuan terlebih dahulu dari RUPS;
5. Mengangkat dan memberhentikan pekerja 5. Appoint and dismiss the Company’s employees
Perseroan berdasarkan peraturan kepegawaian based on the Company’s employment regulations
Perseroan dan peraturan perundang-undangan and applicable laws and regulations;
yang berlaku;
6. Mengangkat dan memberhentikan Sekretaris 6. Appoint and dismiss the Corporate Secretary;
Perseroan;
7. Melakukan segala tindakan dan perbuatan 7. Carry out all other actions and actions regarding
lainnya mengenai pengurusan maupun pemilikan the management and ownership of the Company’s
kekayaan Perseroan, mengikat Perseroan dengan assets, bind the Company with other parties and/
pihak lain dan/atau pihak lain dengan Perseroan, or other parties with the Company, and represent
serta mewakili perseroan di dalam dan di luar the company inside and outside the court on
pengadilan tentang segala hal dan segala kejadian, all matters and all events, with restrictions as
dengan pembatasan-pembatasan sebagaimana stipulated in the regulations laws and regulations,
diatur dalam peraturan perundang-undangan, Articles of Association and/or GMS Resolutions.
Anggaran Dasar dan/atau Keputusan RUPS.
Independensi Direksi Independence of the Board of
Directors
Dalam menjalankan tugas dan tanggung jawabnya, In carrying out their duties and responsibilities, each
Setiap anggota Direksi bertindak secara independen member of the Board of Directors acts independently
dalam melaksanakan fungsi dan tugasnya baik secara in carrying out their functions and duties both
individual maupun kolegial. Selama tahun 2023, individually and collegially. During 2023 all members
seluruh anggota Direksi tidak merangkap jabatan of the Board of Directors do not hold concurrent
yang dilarang oleh peraturan perundang-undangan positions which are prohibited by applicable laws and
yang berlaku tentang pelaksanaan Governansi regulations regarding the implementation of GCG. The
Perusahaan. Pernyataan tidak memiliki benturan statement of not having a conflict of interest is signed
kepentingan ditandatangani pada awal pengangkatan at the start of his appointment as Director and is
sebagai Direktur dan diperbaharui setiap awal tahun renewed at the beginning of each year as a statement
sebagai pernyataan bahwa anggota Direksi maupun that members of the Board of Directors and their
keluarganya tidak mempunyai kepemilikan saham families do not own shares or become management
maupun menjadi pengurus pada Perseroan maupun of the Company or business activities related either
kegiatan usaha yang berkaitan baik secara langsung directly or indirectly to the Company’s line of business.
maupun tidak langsung dengan bidang usaha
Perseroan.
Pembagian Tugas dan Tanggung Division of Duties and Responsibilities
Jawab
Pembagian tugas masing-masing Direksi berdasarkan Division of duties of each Director is based on the
Keputusan Direksi tentang Pembagian Tugas dan Decree of the Board of Directors on the Division of
Tanggung Jawab Direksi serta Senior Executive Vice Duties and Responsibilities of the Board of Directors
President (SEVP), dengan rincian sebagai berikut: and Senior Executive Vice President (SEVP), with the
following details:
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Nama Jabatan Pembagian Tugas
Name Position Division of Duties
Tugas dan Tanggung Jawab Direktur Utama pada Prinsip terdiri namun tidak terbatas
pada:
1. Mengarahkan, mengevaluasi, dan mengkoordinasikan pelaksanaan pengurusan
Perseroan sebagaimana dalam Anggaran Dasar, Keputusan RUPS dan Peraturan
Perundang-Undangan;
2. Mengkoordinasikan kebijakan dan strategi Unit Kerja di bawah supervisi dan
pembinaan Direktur Utama;
3. Melaksanakan monitoring dan evaluasi kegiatan Direktur Pembina Wilayah;
4. Melakukan supervisi dan pembinaan terhadap seluruh Direktorat;
5. Melakukan supervisi dan pembinaan terhadap seluruh Direktorat dan Unit Kerja
dengan fokus sebagai berikut:
a. Sub Direktorat Satuan Pengawasan Intern
b. Sub Direktorat Transformation Office
c. Sekretariat Perusahaan
Damar Latri Direktur Utama
Setiawan President Director
President Director's Duties and Responsibilities in Principle consist but are not limited
to:
1. Directing, evaluating, and coordinating the implementation of the Company's
management as stated in the Articles of Association, GMS Decisions and Laws and
Regulations
2. Coordinate the policies and strategies of the Work Units under the supervision and
guidance of the President Director
3. Carry out monitoring and evaluation of the activities of the Director of Regional
Development
4. Supervise and develop all Directorates and Work Units
5. Supervise and develop all Directorates and Work Units with the following focus:
a. Internal Audit Unit
b. Transformation Office
c. Corporate Secretariat
Tugas dan tanggung jawab Direktur Teknologi Informasi dan Digital terdiri dari namun
tidak terbatas pada:
1. Mengarahkan, mengevaluasi, dan mengkoordinasikan pelaksanaan kebijakan dan
strategi di bidang Teknologi Informasi dan Digital, dalam rangka mencapai tujuan
perusahaan sesuai Anggaran Dasar.
2. Mengatur tata kerja organisasi di bawahnya serta melakukan supervisi dan
pembinaan terhadap Unit Kerja yang terdiri dari:
a. Divisi Strategi, Arsitektur dan Perencanaan TI
Direktur
b. Divisi Operasional dan Infrastruktur TI
Teknologi
c. Divisi Pengembangan Aplikasi TI
Informasi dan
d. Divisi IT Security
Teguh Digital
Wahyono Director of
Duties and responsibilities of the Director of Information Technology and Digital consist
Information
of but are not limited to:
Technology and
1. Direct, evaluate and coordinate the implementation of policies and strategies
Digital
in Information Technology and Digital, in order to achieve company goals in
accordance with the Articles of Association.
2. Manage the work procedures of the organization as well as supervise and provide
guidance to the Work Unit which consists of:
a. IT Strategy, Architecture and Planning Division
b. IT Operations and Infrastructure Division
c. IT Application Development Division
d. IT Security Division
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Tata Kelola Perusahaan
Corporate Governance
Nama Jabatan Pembagian Tugas
Name Position Division of Duties
Tugas dan tanggung jawab Direktur Umum terdiri dari namun tidak terbatas pada:
1. Mengarahkan, mengevaluasi, dan mengkoordinasikan pelaksanaan kebijakan dan
strategi di bidang Hukum, Manajemen Aset Tetap serta Pengadaan dan Logistik
dalam rangka mencapai tujuan Perusahaan sesuai Anggaran Dasar Perusahaan.
2. Mengarahkan tata kerja organisasi dibawahnya serta melakukan supervisi &
pembinaan terhadap Unit Kerja yang terdiri dari:
a. Divisi Hukum
b. Divisi Manajemen Aset Tetap
c. Divisi Pengadaan dan Logistik
Direktur Umum
Gunawan
Director of Duties and responsibilities of the Director of General Affair consist of but are not
Sulistyo
General Affairs limited to:
1. Direct, evaluate and coordinate the implementation of policies and strategies in
Law, Fixed Asset Management as well as Procurement and Logistics in order to
achieve the Company's objectives in accordance with the Company's Articles of
Association.
2. Direct the work procedures of the organization as well as supervise & coach the
Work Units which consists of:
a. Legal Division
b. Fixed Asset Management Division
c. Procurement and Logistics Division
Tugas dan tanggung jawab Direktur Keuangan dan Perencanaan Strategis terdiri
namun tidak terbatas pada:
1. Mengarahkan, mengevaluasi, dan mengkoordinasikan pelaksanaan kebijakan
dan strategi di bidang Keuangan, Perencanaan Strategi, dan Manajemen Kinerja
Perusahaan dalam rangka mencapai tujuan Perusahaan sesuai dengan Anggaran
Dasar Perusahaan;
2. Mengatur tata kerja organisasi di bawahnya serta melakukan supervisi dan
pembinaan terhadap Unit Kerja yang terdiri dari:
a. Divisi Perencanaan Strategis;
Direktur
b. Divisi Akuntansi;
Keuangan dan
c. Divisi Tresuri;
Perencanaan
d. Divisi Manajemen Kinerja Perusahaan.
Ferdian Timur Strategis
Satyagraha Director of
Duties and responsibilities of the Director of Finance and Strategic Planning consist of
Finance and
but are not limited to:
Strategic
1. Direct, evaluate and coordinate the implementation of policies and strategies in
Planning
Finance, Strategic Planning, and Company Performance Management in order to
achieve the Company's objectives in accordance with the Company's Articles of
Association;
2. Manage the work procedures of the organization and supervise and provide
guidance to the Work Unit which consists of:
a. Strategic Planning Division;
b. Accounting Division;
c. Treasury Division;
d. Company Performance Management Division.
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Nama Jabatan Pembagian Tugas
Name Position Division of Duties
Tugas dan tanggung jawab Direktur Jaringan Operasi dan Penjualan terdiri namun tidak
terbatas pada:
1. Mengarahkan, mengevaluasi, dan mengkoordinasikan pelaksanaan kebijakan dan
strategi di bidang Jaringan, Operasi dan Penjualan, dalam rangka mencapai tujuan
perusahaan sesuai Anggaran Dasar Perusahaan;
2. Mengatur tata kerja organisasi di bawahnya serta melakukan supervisi dan
pembinaan terhadap Unit Kerja yang terdiri dari:
a. Divisi Jaringan dan Operasional
Direktur Jaringan, b. Divisi Penjualan
Operasi, dan c. Divisi Hubungan Kelembagaan
Penjualan d. Divisi Tanggung jawab Sosial dan Lingkungan
Eka
Director of
Pebriansyah
Network, Duties and responsibilities of the Director of Network, Operations, and Sales consist of
Operations and but are not limited to:
Sales 1. Direct, evaluate and coordinate the implementation of policies and strategies in
the areas of Network, Operations and Sales, in order to achieve company goals in
accordance with the Company's Articles of Association;
2. Manage the work procedures of the organization as well as supervise and provide
guidance to the Work Unit which consists of:
a. Network and Operations Division
b. Sales Division
c. Institutionals Relation Division
d. Social and Environmental Responsibility Division
Tugas dan tanggung jawab Direktur Pemasaran dan Pengembangan Produk terdiri
namun tidak terbatas pada:
1. Mengarahkan, mengevaluasi, dan mengkoordinasikan pelaksanaan kebijakan dan
strategi di bidang Pemasaran dan Pengembangan Produk, dalam rangka mencapai
tujuan perusahaan sesuai Anggaran Dasar Perusahaan.
2. Mengatur tata kerja organisasi di bawahnya serta melakukan supervisi dan
pembinaan terhadap Unit Kerja yang terdiri dari:
a. Divisi Produk Gadai
b. Divisi Produk Emas
Direktur
c. Divisi Usaha Syariah
Pemasaran dan
d. Divisi Produk Mikro Fidusia
Pengembangan
e. Divisi Pemasaran
Elvi Rofiqotul Produk
Hidayah Director of
Duties and responsibilities of the Director of Marketing and Product Development
Marketing
consist of but are not limited to:
and Product
1. Direct, evaluate and coordinate the implementation of policies and strategies in the
Development
field of Marketing and Product Development, in order to achieve company goals in
accordance with the Company's Articles of Association.
2. Manage the work procedures of the organization as well as supervise and provide
guidance to the Work Unit which consists of:
a. Pawn Products Division
b. Gold Products Division
c. Sharia Business Division
d. Micro Fiduciary Products Division
e. Marketing Division
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Tata Kelola Perusahaan
Corporate Governance
Nama Jabatan Pembagian Tugas
Name Position Division of Duties
Tugas dan tanggung jawab Direktur Manajemen Risiko, Legal, dan Kepatuhan terdiri
namun tidak terbatas pada:
1. Mengarahkan, mengevaluasi, dan mengkoordinasikan pelaksanaan kebijakan
dan strategi pada bidang Manajemen Risiko, Legal dan Kepatuhan dalam rangka
mencapai tujuan Perusahaan sesuai dengan Anggaran Dasar Perusahaan dan
termasuk tugas atau tanggung jawab atas kepatuhan pelaksanaan ketentuan
Peraturan Otoritas Jasa Keuangan terkait dengan Perlindungan Konsumen dan
Masyarakat
2. Mengatur tata kelola organisasi di bawahnya serta melakukan supervisi dan
pembinaan terhadap Unit Kerja yang terdiri dari:
Direktur a. Divisi Risiko Kredit dan Asuransi
Manajemen b. Divisi Manajemen Risiko Operasi dan Korporasi
Risiko, Legal, dan c. Divisi Legal
Udin Kepatuhan d. Divisi Kepatuhan
Salahudin Director of Risk
Management, Duties and responsibilities of the Director of Risk Management, Legal and Compliance
Legal and consist of but are not limited to:
Compliance 1. Direct, evaluate and coordinate the implementation of policies and strategies in Risk
Management, Legal and Compliance in order to achieve the Company's objectives
in accordance with the Company's Articles of Association and including duties or
responsibilities for compliance with the implementation of the provisions of the
Financial Services Authority Regulations related to Consumer and Public Protection
2. Manage the governance of the organization as well as supervise and provide
guidance to the Work Unit which consists of:
a. Credit Risk and Insurance Division
b. Operations and Corporate Risk Management Division
c. Legal Division
d. Compliance Division
Tugas dan tanggung jawab Direktur Manajemen Risiko, Legal, dan Kepatuhan terdiri
namun tidak terbatas pada:
1. Mengarahkan, mengevaluasi, dan mengkoordinasikan pelaksanaan kebijakan dan
strategi di bidang Sumber Daya Manusia dalam rangka mencapai tujuan Perusahaan
sesuai Anggaran Dasar Perusahaan
2. Mengatur tata kerja organisasi di bawahnya serta melakukan supervisi dan
pembinaan terhadap Unit Kerja yang terdiri dari
a. Divisi Operasional Human Capital;
b. Divisi Strategi Human Capital;
Direktur Human
c. Divisi Pegadaian Corporate University
Capital
E.RA Taufiq
Director of
Duties and responsibilities of the Director of Risk Management, Legal and Compliance
Human Capital
consist of but are not limited to:
1. Direct, evaluate and coordinate the implementation of policies and strategies in
Human Resources in order to achieve the Company's objectives in accordance with
the Company's Articles of Association
2. Manage the work procedures of the organization as well as supervise and provide
guidance to the Work Unit consisting of
a. Human Capital Operational Division;
b. Human Capital Strategy Division;
c. Pegadaian Corporate University Division
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Nama Jabatan Pembagian Tugas
Name Position Division of Duties
Tugas dan tanggung jawab Kepala Satuan Pengawasan Intern terdiri dari namun tidak
terbatas pada:
1. Mengarahkan, mengevaluasi, dan mengkoordinasikan pelaksanaan kebijakan dan
strategi di bidang Satuan Pengawas Intern sebagai strategic business partner and
trusted advisor dalam rangka mencapai tujuan perusahaan sesuai Anggaran Dasar
Perusahaan;
2. Mengatur tata kerja organisasi di bawahnya serta melakukan supervisi dan
pembinaan terhadap Unit Kerja yang terdiri dari:
a. Inspektorat Pengembangan
b. Inspektorat Pusat
c. Inspektorat Wilayah 1
Kepala Satuan d. Inspektorat Wilayah 2
Pengawasan e. Inspektorat Wilayah 3
Intern
Head of Internal Duties and responsibilities of the Head of the Internal Audit Unit consist of but are not
Audit Unit limited to:
1. Direct, evaluate and coordinate the implementation of policies and strategies in
Internal Supervisory Unit as a strategic business partner and trusted advisor in
order to achieve company goals in accordance with the Company's Articles of
Association;
2. Manage the work procedures of the organization as well as supervise and provide
guidance to the Work Units which consists of:
a. Development Inspectorate
b. Central Inspectorate
c. Region 1 Inspectorate
d. Region 2 Inspectorate
e. Region 3 Inspectorate
Tugas dan tanggung jawab Kepala Transformation Office terdiri dari namun tidak
terbatas pada:
1. Mengarahkan, mengevaluasi, dan mengkoordinasikan pelaksanaan kebijakan dan
strategi di bidang Transformation Office dalam rangka mencapai tujuan perusahaan
sesuai Anggaran Dasar Perusahaan;
2. Mengatur tata kerja organisasi di bawahnya serta melakukan supervisi dan
pembinaan terhadap Unit Kerja yang terdiri dari:
a. Divisi Innovation Center
b. Divisi PMO dan Manajemen Perubahan
Kepala
c. Divisi Digital Lending dan Payment
Transformation
d. Divisi Manajemen Data TI
Office
Head of
Duties and responsibilities of the Head of Transformation Office consist of but are not
Transformation
limited to:
Office
1. Direct, evaluate and coordinate the implementation of policies and strategies in the
Transformation Office in order to achieve company goals in accordance with the
Company's Articles of Association;
2. Manage the work procedures of the organization as well as supervise and provide
guidance to the Work Unit which consists of:
a. Innovation Center Division
b. PMO and Change Management Division
c. Digital Lending and Payment Division
d. IT Data Management Division
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Tata Kelola Perusahaan
Corporate Governance
Penyusunan RKAP dan RJPP Arrangement of RKAP and RJPP
Salah satu tugas terpenting dari Direksi adalah One of the most important tasks of the Board of
penyusunan dan usulan Rencana Kerja dan Anggaran Directors is the preparation and proposal of the
Perseroan (RKAP) dan Rencana Jangka Panjang Company’s Work and Budget Plan (RKAP) and the
Perseroan (RJPP) yang kemudian akan ditandatangani Company’s Long Term Plan (RJPP) which will then be
bersama-sama dengan Dewan Komisaris untuk signed together with the Board of Commissioners to
diajukan kepada Pemegang Saham melalui RUPS. be submitted to Shareholders through the GMS. The
Direksi wajib menyusun RJPP tepat pada waktunya Board of Directors must prepare the RJPP in a timely
dan menyampaikan rancangan RJPP kepada RUPS manner and submit the RJPP draft to the GMS for
untuk disahkan. RJPP merupakan rencana strategis approval. RJPP is a strategic plan that contains the
yang memuat sasaran dan tujuan Perseroan yang goals and objectives of the Company to be achieved
hendak dicapai dalam jangka waktu 5 (lima) tahun. within a period of 5 (five) years. The RJPP format refers
Format RJPP merujuk pada ketentuan penyusunan to the provisions for preparing the RJPP from the
RJPP dari Kementerian Negara BUMN dan/atau Ministry of SOEs and/or based on the GMS decision.
berdasarkan Keputusan RUPS.
RKAP adalah penjabaran dari RJPP Perseroan. Format RKAP is the elaboration of the Company’s RJPP. The
RKAP merujuk pada ketentuan penyusunan RKAP dari RKAP format refers to the provisions for preparing the
Kementerian Negara BUMN dan/atau berdasarkan RKAP from the Ministry of State-Owned Enterprises
Keputusan RUPS. Direksi wajib menyusun RKAP untuk and/or based on the GMS decision. The Board of
setiap tahun buku yang selanjutnya disahkan dan Directors is required to prepare the RKAP for each
ditetapkan oleh RUPS Tahunan. financial year which is subsequently ratified and
determined by the Annual GMS.
Program Pengenalan Perseroan bagi Company Introduction Program
Anggota Direksi Baru for New Members of the Board of
Directors
Sejalan dengan Piagam Tata Tertib Kerja Direksi In line with the Charter of the Board of Directors (BOD
(BOD Charter), Anggota Direksi yang diangkat untuk Charter), Members of the Board of Directors who are
pertama kalinya wajib diberikan program pengenalan. appointed for the first time must be given an induction
Kegiatan ini dilaksanakan dalam rangka memberikan program. This activity was carried out in order to
orientasi kepada anggota Direksi yang baru diangkat provide orientation to newly appointed members of
agar dapat memahami latar belakang dan kegiatan the Board of Directors so that they can understand the
usaha Perseroan serta memahami segala aspek yang background and business activities of the Company
terkait dengan peran dan tanggung jawab pengelolaan and understand all aspects related to the roles and
Perseroan, sehingga diharapkan dapat memperlancar responsibilities of managing the Company, so that it
tugas Direksi dalam menjalankan tugas masing- is expected to facilitate the duties of the Directors in
masing secara efektif. carrying out their respective duties effectively.
Program tersebut diselenggarakan oleh Sekretaris The program is organized by the Corporate Secretary
Perusahaan dengan materi sebagai berikut: with the following materials:
1. Pelaksanaan prinsip-prinsip governansi korporat; 1. Implementation of GCG principles;
2. Gambaran mengenai Perseroan berkaitan 2. An overview of the Company in terms of
dengan tujuan, sifat, dan lingkup kegiatan, kinerja objectives, nature and scope of activities, financial
keuangan dan operasi, strategi, rencana usaha performance and operations, strategy, short-
jangka Pendek, jangka panjang, posisi kompetitif, term and long-term business plans, competitive
risiko, pengendalian internal dan masalah-masalah position, risk, internal control and other strategic
strategis lainnya; issues;
3. Keterangan berkaitan dengan kewenangan yang 3. Information relating to delegated authority, internal
didelegasikan, audit internal dan eksternal, sistem and external audits, internal control systems
dan kebijakan pengendalian internal serta Komite and policies as well as the Audit Committee
Audit dan Komite Lain yang dibentuk Dewan and Other Committees formed by the Board of
Komisaris; Commissioners;
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4. Keterangan mengenai kewajiban, tugas, tanggung 4. Information regarding the obligations, duties,
jawab dan hak-hak Dewan Komisaris dan Direksi responsibilities and rights of the Board of
serta hal-hal yang tidak diperbolehkan; Commissioners and Board of Directors as well as
5. Pemahaman terkait dengan prinsip etika dan things that are not permitted;
norma yang berlaku di lingkungan Perseroan serta 5. Understanding of the ethical principles and norms that
apply within the Company and the local community.
masyarakat setempat.
Per Desember 2023, terdapat 1 (satu) kali As of December 2023, there was 1 (one) appointment
pengangkatan untuk 2 (dua) Direksi Baru dan telah for 2 (two) New Directors and has been followed up
ditindaklanjuti dengan program pengenalan. Program with an introduction program. The program was held
tersebut dilaksanakan pada tanggal 5 Juli 2023 on July 5, 2023 in Jakarta.
bertempat di Jakarta.
Peningkatan Kompetensi Direksi Competency Improvement of the
Board of Directors
Perseroan merancang program untuk memberikan The Company designed a program to provide new
wawasan baru bagi Direksi untuk meningkatkan insights for the Board of Directors to increase the
kapasitas Perseroan dalam lingkungan usaha yang Company’s capacity in a competitive business
kompetitif, serta memberikan kesempatan untuk environment, as well as provide opportunities to build
membangun jaringan dalam rangka memberdayakan networks in order to empower existing resources
sumber daya yang ada dalam organisasi sehingga within the organization so as to make the Company a
menjadikan Perseroan sebagai organisasi berkinerja high performing organization. The policies regarding
tinggi. Kebijakan mengenai program peningkatan the capability improvement program for the Board of
kapabilitas bagi Direksi adalah sebagai berikut: Directors are as follows:
1. Program peningkatan kapabilitas dilaksanakan 1. The capability improvement program is carried out
dalam rangka meningkatkan efektivitas kerja in order to increase the effectiveness of the Board
Direksi. of Directors’ work.
2. Rencana untuk melakukan program peningkatan 2. Plans to carry out a capability improvement
kapabilitas harus dimasukkan dalam Rencana program must be included in the Company’s Work
Kerja dan Anggaran Perseroan. and Budget Plan.
3. Setiap Direksi yang mengikuti program 3. Each Director who participates in capability
peningkatan kapabilitas seperti seminar dan improvement programs such as seminars and
pelatihan diwajibkan menyajikan presentasi kepada training is required to present presentations to
Direksi lain dalam rangka berbagi informasi dan other Directors in order to share information and
pengetahuan. knowledge.
4. Direksi yang bersangkutan bertanggung jawab 4. The concerned director is responsible for preparing
untuk membuat laporan tentang pelaksanaan a report on the implementation of the capability
program peningkatan kapabilitas. Laporan improvement program. The report is submitted to
tersebut disampaikan kepada Direksi lainnya. other Directors.
5. Biaya program peningkatan kompetensi bagi 5. The cost of the competency improvement program
Direksi sepenuhnya menjadi tanggung jawab for the Board of Directors is fully the responsibility
Perseroan. of the Company.
Kegiatan peningkatan kompetensi yang diikuti oleh Competency improvement activities participated in by
Direksi sepanjang tahun 2023 dapat dilihat pada bab the Board of Directors throughout 2023 can be seen
Profil Perusahaan dalam Laporan Tahunan ini. in the Company Profile chapter in this Annual Report.
PT Pegadaian | 2023 Annual Report 379
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Tata Kelola Perusahaan
Corporate Governance
Laporan Singkat Pelaksanaan Tugas Brief Report on the Implementation
dan Tanggung Jawab Direksi Tahun of Duties and Responsibilities of the
2023 Board of Directors in 2023
Selama tahun 2023, Direksi telah mengeluarkan During 2023, the Board of Directors has issued various
berbagai keputusan baik di bidang operasional bisnis, decisions in the fields of business operations, finance,
keuangan, SDM, logistik, maupun TI melalui perangkat HR, logistics and IT through policy tools in the form
kebijakan berupa Keputusan Direksi, Peraturan Direksi, of Decrees of the Board of Directors, Regulations of
Surat Edaran, dan Instruksi Direksi. Adapun jumlah the Board of Directors, as well as Circular Letters and
keputusan Direksi, sebagai berikut: Instructions of the Board of Directors. The number of
Board of Directors decisions is as follows:
Uraian Jumlah
Description Total
Keputusan Direksi
1.084
Decrees of the Board of Directors
Surat Edaran Direksi
238
Circular Letters of the Board of Directors
Instruksi Direksi
91
Instructions of the Board of Directors
Penilaian Kinerja Komite atau Organ Performance Assessment of
di bawah Direksi Committees or Organs under the
Board of Directors
Dalam menjalankan fungsi, tugas dan tanggung In carrying out its functions, duties and responsibilities,
jawabnya, Direksi dibantu oleh organ di bawah the Board of Directors is assisted by organs under the
Direksi, baik yang bersifat struktural maupun non Board of Directors, both structural and non-structural.
struktural. Direksi memiliki organ struktural yaitu The Board of Directors has structural organs, namely
Sekretaris Perusahaan, Satuan Pengawasan Intern, the Corporate Secretary, Internal Monitoring Unit, Risk
Fungsi Manajemen Risiko dan Transformation Office. Management Function and Transformation Office.
Sedangkan organ non struktural adalah komite-komite Meanwhile, non-structural organs are committees
yang dibentuk Direksi terkait bidang tertentu. Saat ini formed by the Board of Directors related to certain
Direksi memiliki 6 (enam) komite, yaitu Komite Kredit, fields. Currently it has 9 (nine) committees, namely the
Komite Aset dan Liabilitas, Komite Produk, Komite Credit Committee, Assets and Liabilities Committee,
Investasi & Kapital, Komite Human Capital dan Komite Product Committee, Investment & Capital Expenditure
Teknologi Informasi. Committee, Human Capital Committee and Information
Technology Committee, Risk Management Committee,
Social and Environmental Responsibility Committee,
Transformation Committee.
Direksi senantiasa melakukan penilaian atas kinerja The Board of Directors always assesses the
Komite di bawah Direksi yang dinilai telah mampu performance of Committees under the Board of
melaksanakan tugasnya dengan baik. Directors who are deemed capable of carrying out
their duties well.
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Transparansi Informasi terkait
Dewan Komisaris dan Direksi
Information Transparency Related to the Board of
Commissioners and the Board of Directors
Kebijakan Mengenai Keberagaman Diversity Policy Composition of the
Komposisi Dewan Komisaris dan Board of Commissioners and the
Direksi Board of Directors
Penetapan komposisi Dewan Komisaris dan Direksi Determination of the composition of the Board of
mengacu pada kebijakan keberagaman berdasarkan Commissioners and Board of Directors refers to
ketentuan Pemegang Saham dengan memperhatikan the diversity policy based on the provisions of the
pengetahuan, usia, jenis kelamin, pendidikan dan Shareholders by considering knowledge, age, gender,
pengalaman yang sesuai dengan kebutuhan Perseroan, education and experience according to the needs of
sehingga mendapatkan komposisi Dewan Komisaris the Company, so as to obtain an optimal composition
dan Direksi yang optimal. of the Board of Commissioners and Board of Directors.
Keberagaman komposisi Dewan Komisaris dan The diversity in the composition of the Board of
Direksi merupakan bagian dari upaya Perseroan Commissioners and Board of Directors is part of the
untuk mendorong proses pengambilan keputusan Company’s efforts to encourage a decision-making
yang lebih obyektif, komprehensif, optimal, dan process that is more objective, comprehensive,
memiliki dampak positif terhadap pengawasan dan optimal, and has a positive impact on the supervision
pengelolaan Perseroan. Keberagaman ini diharapkan and management of the Company. This diversity is
dapat memperkaya sudut pandang dan kepentingan expected to enrich the perspectives and interests
dalam proses pengambilan keputusan baik di tubuh in the decisionmaking process in both the Board of
Dewan Komisaris maupun Direksi, sehingga mampu Commissioners and the Board of Directors, so as to
memberikan nilai tambah bagi aspek operasional be able to provide added value to the Company’s
dan usaha Perseroan, serta penerapan Tata Kelola operational and business aspects, as well as the
Perusahaan di lingkup Perseroan. implementation of Corporate Governance within the
Company.
Tabel Keberagaman Komposisi Dewan Komisaris dan Direksi Pegadaian
Table of Diversity in the Composition of Pegadaian's Board of Commissioners and Board of Directors
Pengalaman dan
Nama kewargenagaraan Usia Pendidikan Terakhir Keahlian
Gender
Name Nationality Age Last Education Experience and
Expertise
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
Loto Srinaita
Finance & Business,
Ginting
Perempuan Master of Commerce Financing/ Treasury,
Komisaris Utama Indonesia 56
Female in Economics (S2) Risk Management,
President
Banking, Human Capital
Commissioner
Doktor Manajemen
Umiyatun Hayati Strategic Marketing,
Pendidikan (S3)
Triastuti Perempuan Management Operation,
Indonesia 62 Doctorate in
Komisaris Female Training Management,
Educational
Commissioner Risk Management
Management (S3)
Sudarto Strategic Management,
Laki-Laki Doctor of Philosophy
Komisaris Indonesia 54 Corporate Finance,
Male in Economics (S3)
Commissioner Strategic Marketing, IT
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Tata Kelola Perusahaan
Corporate Governance
Tabel Keberagaman Komposisi Dewan Komisaris dan Direksi Pegadaian
Table of Diversity in the Composition of Pegadaian's Board of Commissioners and Board of Directors
Pengalaman dan
Nama kewargenagaraan Usia Pendidikan Terakhir Keahlian
Gender
Name Nationality Age Last Education Experience and
Expertise
Rini Widyantini Human Capital, General
Perempuan Master of Public
Komisaris Indonesia 58 Management, Training
Female Management (S2)
Commissioner Management
Makmur Keliat
Komisaris General Management,
Laki-Laki
Independen Indonesia 62 Ph.D (S3) Internal Control, Training
Male
Independent Management, Banking
Commissioner
Nezar Patria
Master of Business
Komisaris Mass Media
Laki-Laki Administration &
Independen Indonesia 53 Management,
Male Master of Science
Independent Communication
(S2)
Commissioner
Internal Control/Audit,
Yudi Priambodo P.
Risk Management,
Komisaris Business
Laki-Laki Banking, Corporate
Independen Indonesia 57 Management (Cand.)
Male Finance, Capital
Independent (S3)
Market, and Wealth
Commissioner
Management
Muhammad Isnaini Sarjana Sosial Ilmu
Komisaris Ekonomi (S1)
Laki-Laki Jurnalis
Independen Indonesia 53 Bachelor of
Male Journalist
Independent Social Sciences in
Commissioner Economics (S1)
DIREKSI
BOARD OF DIRECTORS
Doktor Manajemen
Damar Latri
Pendidikan (S3) Strategic Marketing,
Setiawan Laki-Laki
Indonesia 52 Doctorate in Management Operation,
Direktur Utama Male
Educational Training Management
President Director
Management (S3)
Teguh Wahyono
Direktur Teknologi
Informasi dan
Strategic Management,
Digital Laki-Laki Master of Finance
Indonesia 60 Corporate Finance,
Director of Male (S2)
Merger & Acquisition, IT
Information
Technology and
Digital
Gunawan Sulistyo
Direktur Umum Laki-Laki Magister Human Capital,
Indonesia 59
Director of General Male Management (S2) Procurement, Marketing
Affairs
Ferdian Timur
Satyagraha
Direktur Keuangan MBA, International
dan Perencanaan Laki-Laki Bussiness &
Indonesia 41 Business
Strategis Male Electronic Business
Director of Finance (S2)
and Strategic
Planning
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Tabel Keberagaman Komposisi Dewan Komisaris dan Direksi Pegadaian
Table of Diversity in the Composition of Pegadaian's Board of Commissioners and Board of Directors
Pengalaman dan
Nama kewargenagaraan Usia Pendidikan Terakhir Keahlian
Gender
Name Nationality Age Last Education Experience and
Expertise
Eka Pebriansyah
Direktur Jaringan,
Sarjana Manajemen Business, Strategic
Operasi, dan
Laki-Laki (S1) Marketing, Management
Penjualan Indonesia 50
Male Bachelor in Operation, Research &
Director of Network,
Management (S1) Development
Operations and
Sales
Elvi Rofiqotul
Hidayah
Direktur Pemasaran
Magister Pemasaran
dan Pengembangan Business, Strategic
Perempuan (S2)
Produk Indonesia 53 Marketing, Research &
Female Master of Marketing
Director of Development
(S2)
Marketing
and Product
Development
Udin Salahudin Master (S2)
Direktur Manajemen Manajemen Banking
Risiko, Legal, dan & Finance
Laki-Laki Manajemen Risiko,
Kepatuhan Indonesia 51 Master (S2)
Male Perencanaan Strategis
Director of Risk in Banking
Management, Legal and Financial
and Compliance Management
E.R.A. Taufiq
Direktur Human Sarjana (S1) Hukum
Capital Laki-Laki Perdata
Indonesia 56 Human Capital
Human Capital Male Bachelor (S1) of Civil
Director of Human Law
Capital
Assessment Penerapan Governansi Assessment of the Implementation of
Korporat untuk Aspek Dewan Corporate Governance for Aspects of
Komisaris dan Direksi the Board of Commissioners and the
Board of Directors
Sebagai organ utama, Dewan Komisaris dan Direksi As the main organs, the Board of Commissioners and
memiliki peran sentral dalam gerak pertumbuhan Board of Directors have a central role in the growth
Perseroan. Assessment atas kedua organ ini menjadi of the Company. Assessment of these two organs is a
sebuah keharusan, terutama karena Perseroan must, especially because the Company is a SOE which
merupakan BUMN yang diarahkan untuk menerapkan is directed to apply GCG principles to SOEs standards
prinsip governansi korporat pada standar BUMN as well as an evaluation of this implementation.
sekaligus penilaian terhadap penerapan tersebut.
Assessment terhadap penerapan governansi korporat pada Assessment of the implementation of corporate
Tahun 2023 berdasarkan kepada Surat PT BRI (Persero), Tbk governance in 2023 is based on Letter of PT BRI
Nomor B.28-KEP/GCG/ING/12/2023 dengan hasil penilaian (Persero), Tbk No. B.28-KEP/GCG/ING/12/2023 with
skor 98,919 dan pencapaian 98,92% dengan predikat “Sangat assessment score of 98.919 and an achievement of
Baik”. Khusus untuk aspek Dewan Komisaris dan Direksi, 98.92% with the title “Very Good”. Specifically for the
masing-masing meraih nilai perolehan 34,911 dan 34,763. aspects of the Board of Commissioners and the Board
of Directors, they achieved scores of 34,911 and 34,763
respectively.
PT Pegadaian | 2023 Annual Report 383
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Tata Kelola Perusahaan
Corporate Governance
Atas proses assessment penerapan governansi Based on assessment process for the implementation
korporat yang telah dilakukan sejak tahun 2008, of corporate governance that has been carried out
terlihat tren peningkatan khususnya untuk aspek since 2008, an increasing trend can be seen, especially
pengujian Dewan Komisaris dan Direksi. Adapun for the testing aspects of the Board of Commissioners
tren peningkatan assessment penerapan governansi and the Board of Directors. The trend of increasing
korporat di lingkup Perseroan untuk aspek pengujian assessment of the implementation of corporate
Dewan Komisaris dan Direksi dalam 4 (empat) tahun governance within the Company for the testing
terakhir atau untuk periode 2019-2022 dilakukan aspects of the Board of Commissioners and the Board
berdasarkan parameter SK-16/S.MBU/2012, sementara of Directors in the last 4 (four) years or for the 2019-
di tahun 2023 dilakukan berdasarkan surat PT Bank 2022 period was carried out based on the parameters
Rakyat Indonesia (Persero), Tbk. Nomor B.28-KEP/ of SK-16/S.MBU/2012, while in 2023 it was carried
GCG/ING/12/2023, sebagaimana tergambar pada out based on the letter of PT Bank Rakyat Indonesia
grafik di bawah ini: (Persero), Tbk. No. B.28-KEP/GCG/ING/12/2023, as
depicted in the graphic below:
Hasil Assessment Penerapan Governansi Perusahaan Aspek Dewan Komisaris dan Direksi 2019-2023
Assessment Results of the Implementation of Corporate Governance Aspects of the Board of Commissioners and Board of
Directors 2019-2023
99,76 99,72
99,67 99,63 99,72
99,57
99,05
98,49
97,46 97,46
2019 2020 2021 2022 2023*
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
* Tahun 2023 assessment dilakukan berdasarkan surat PT Bank Rakyat Indonesia (Persero), Tbk. nomor B.28-KEP/GCG/ING/12/2023
* In 2023 the assessment was carried out based on letter of PT Bank Rakyat Indonesia (Persero), Tbk. No. B.28-KEP/GCG/ING/12/2023
Pengungkapan Hubungan Afiliasi Disclosure of Affiliate Relationship
antara Direksi, Dewan Komisaris, dan between the Board of Directors, the
Pemegang Saham Utama dan/atau Board of Commissioners, and Major
Pengendali and/or Controlling Shareholders
Informasi tentang Pemegang Saham Information about the Major/Controlling
Utama/Pengendali hingga Nama Pemilik Shareholders up to the Name of the
Akhir Ultimate Owner
Seperti yang telah diuraikan sebelumnya, dengan As explained previously, with the issuance of
diterbitkannya Peraturan Pemerintah No. 73 Tahun Government Regulation No. 73 of 2021 concerning
2021 tentang Penambahan Penyertaan Modal Negara Additional Capital Participation of the Republic of
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Republik Indonesia ke Dalam Modal Saham Perusahaan Indonesia into the Share Capital of PT Bank Rakyat
Perseroan (Persero) PT Bank Rakyat Indonesia Tbk, Indonesia (Persero) Tbk, has an impact on the
berdampak terhadap struktur kepemilikan saham Company’s share ownership structure, where BRI is the
Perseroan, di mana BRI menjadi pemegang saham major/controlling shareholder of the Company with
utama/ pengendali Perseroan dengan kepemilikan Series B share ownership of 99, 99998% or 6,249,999
saham Seri B sebesar 99,99998% atau sebanyak shares. Meanwhile, the Government of the Republic
6.249.999 lembar saham. Sementara Pemerintah of Indonesia is the final owner of the Company with
Republik Indonesia merupakan entitas pemilik akhir Series A Dwiwarna share ownership of 0.00002%.
Perseroan dengan kepemilikan saham Seri A Dwiwarna
sebesar 0,00002%.
Transparansi Hubungan Usaha dan Transparency of Business and Affiliate
Hubungan Afiliasi antar Dewan Komisaris, Relationship between the Board of
Direksi atau dengan Pemegang Saham Commissioners, the Board of Directors or
Utama/Pengendali Sampai Dengan with the Major/Controlling Shareholders
Entitas Pemilik Akhir up to the Ultimate Owner Entity
Hubungan afiliasi antara Direksi, Dewan Komisaris dan Affiliate relationship between the Board of Directors,
Pemegang Saham Perseroan dapat dilihat dari sifat Board of Commissioners and Shareholders of the
hubungan keluarga, keuangan, kepemilikan saham Company can be seen from the nature of family,
dan kepengurusan di Perseroan lain (rangkap jabatan) financial, share ownership and management
yang menimbulkan benturan kepentingan, termasuk relationships in other Companies (concurrent position)
diantaranya hubungan keluarga sedarah sampai which give rise to conflicts of interest, including kinship
dengan derajat ketiga, baik menurut garis lurus up to the third degree, both in direct or indirect or
maupun garis ke samping atau hubungan semenda; cement relationship; or special relationship that arise
atau hubungan istimewa yang muncul sebagai akibat as a result of related party relationship.
dari hubungan pihak berelasi.
Hubungan afiliasi anggota Dewan Komisaris dengan The affiliate relationship of members of the Board of
sesama anggota Dewan Komisaris dan/atau anggota Commissioners with fellow members of the Board
Direksi serta Pemegang Saham Utama/Pengendali of Commissioners and/or members of the Board of
sampai dengan entitas pemilik akhir dapat dilihat Directors as well as Major/Controlling Shareholders up
pada tabel di bawah ini: to the ultimate owner entity can be seen in the table
below:
Hubungan Afiliasi
Affiliate Relationship
Pemerintah Republik
Nama Indonesia (Entitas
Name (Pemegang Saham
Dewan Komisaris Direksi Pemilik Akhir)
Board of Board of Utama/Pengendali)
(Major/Controlling Government of the
Commissioners Directors Republic of Indonesia
Shareholder)
(Ultimate Owner
Entity)
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
Loto Srinaita Ginting x x x x
Umiyatun Hayati Triastuti x x x x
Sudarto x x x x
Rini Widyantini x x x x
Makmur Keliat x x x x
Nezar Patria x x x x
Yudi Priambodo P. x x x x
Muhammad Isnaini x x x x
PT Pegadaian | 2023 Annual Report 385
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Tata Kelola Perusahaan
Corporate Governance
Hubungan Afiliasi
Affiliate Relationship
Pemerintah Republik
Nama Indonesia (Entitas
Name (Pemegang Saham
Dewan Komisaris Direksi Pemilik Akhir)
Board of Board of Utama/Pengendali)
(Major/Controlling Government of the
Commissioners Directors Republic of Indonesia
Shareholder)
(Ultimate Owner
Entity)
DIREKSI
BOARD OF DIRECTORS
Damar Latri Setiawan x x x x
Teguh Wahyono x x x x
Gunawan Sulistyo x x x x
Ferdian Timur Satyagraha x x x x
Eka Pebriansyah x x x x
Elvi Rofiqotul Hidayah x x x x
Udin Salahudin x x x x
E.R.A. Taufiq x x x x
v = terdapat adanya hubungan | x = tidak terdapat adanya hubungan
v = there is a relationship | x = there is no relationship
Pengungkapan Rangkap Jabatan Disclosure of Concurrent Positions of
Dewan Komisaris dan Direksi the Board of Commissioners and the
Board of Directors
Rangkap Jabatan Dewan Komisaris Concurrent Position of the Board of
Commissioners
Ketentuan rangkap jabatan anggota Dewan Komisaris Provisions for concurrent positions as members of
diatur dalam Anggaran Dasar Perseroan pasal 14 ayat the Board of Commissioners are regulated in the
32 tentang Dewan komisaris dilarang memangku Company’s Articles of Association article 14 paragraph
jabatan rangkap sebagai: 32 concerning the Board of Commissioners being
prohibited from holding concurrent positions as:
1. Anggota Direksi pada Badan Usaha Milik Negara, 1. Members of the Board of Directors in State-
Badan Usaha Milik Daerah, Badan Usaha Milik Owned Enterprises, Regional-Owned Enterprises,
Swasta, kecuali Anggota Direksi pada Badan PrivateOwned Enterprises, except for Members of
Usaha Milik Negara sebagai Pemegang Saham Seri the Board of Directors in State-Owned Enterprises
B terbanyak Perseroan; as the Company’s largest Series B Shareholders;
2. Pengurus partai politik dan/atau calon/anggota 2. Officials of political parties and/or candidates/
DPR, DPD, DPRD Tingkat I dan DPRD Tingkat II members of DPR, DPD, Level I DPRD and Level II
dan/atau calon kepala daerah/wakil kepala daerah; DPRD and/or regional head/deputy regional head
candidates;
3. Jabatan lainnya sesuai dengan ketentuan dalam 3. Other positions in accordance with the provisions
peraturan perundang-undangan; dan/atau of the laws and regulations; and/or
4. Jabatan lain yang dapat menimbulkan benturan 4. Other positions that may cause a conflict of
kepentingan. interest.
Nama Rangkap Jabatan di Perseroan/Instansi Lain
Name Concurrent Positions in Other Companies/Institutions
Staf Ahli Bidang Keuangan Dan Pengembangan UMKM, Kementerian BUMN
Loto Srinaita Ginting
Expert Staff for Finance and MSMEs Development, Ministry of SOEs
Ahli Utama – Widyaiswara Badan Pengembangan Sumber Daya Manusia Perhubungan,
Kementerian Perhubungan
Umiyatun Hayati Triastuti
Main Expert – Widyaiswara, Human Resources Development of Transportation Agency,
Ministry of Transportation
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Nama Rangkap Jabatan di Perseroan/Instansi Lain
Name Concurrent Positions in Other Companies/Institutions
Staf Ahli Bidang Pengeluaran Negara, Kementerian Keuangan
Sudarto
Expert Staff for State Expenditures, Ministry of Finance
Sekretaris Kementerian PANRB
Rini Widyantini
Secretary of the Ministry of PANRB
Dosen pengajar di Departemen Hubungan Internasional Fakultas Ilmu Sosial dan Ilmu
Politik Universitas Indonesia
Makmur Keliat
Teaching lecturer at the Department of International Relations, Faculty of Social and
Political Sciences, University of Indonesia
Wakil Menteri Komunikasi dan Informatika Republik Indonesia
Nezar Patria
Deputy Minister of Communications and Information of the Republic of Indonesia
Asesor Lembaga Sertifikasi Pasar Modal (LSPPM)
Yudi Priambodo P.
Assessor at the Capital Market Professional Certification Body (LSPPM)
Muhammad Isnaini -
Per 31 Desember 2023, terdapat 7 (tujuh) anggota As of December 31, 2023, there are 7 (seven) members
Dewan Komisaris Perseroan yang memiliki rangkap of the Company’s Board of Commissioners who hold
jabatan, namun hal ini tidak melanggar ketentuan concurrent positions, but this does not violate the
yang dimuat dalam Anggaran Dasar Perseroan dan provisions contained in the Company’s Articles of
peraturan yang berlaku. Association and applicable regulations.
Rangkap Jabatan Direksi Concurrent Position of the Board of
Directors
Ketentuan rangkap jabatan anggota Direksi diatur Provisions for concurrent positions of members of the
dalam Anggaran Dasar Perseroan pasal 10 ayat 34 Board of Directors are regulated in the Company’s
tentang Direksi dilarang memangku jabatan rangkap Articles of Association article 10 paragraph 34
sebagai: concerning Board of Directors are prohibited from
holding multiple positions as:
1. Anggota Direksi pada Badan Usaha Milik Negara, 1. Members of the Board of Directors of State Owned
Badan Usaha Milik Daerah, Badan Usaha Milik Companies, Regional Owned Enterprises, Private
Swasta; Owned Enterprises
2. Anggota Dewan Komisaris/Dewan Pengawas pada 2. Member of the Board of Commissioners/
Badan Usaha Milik Negara; Supervisory Board in a State-Owned Enterprise
3. Jabatan struktural dan fungsional lainnya pada 3. Other structural and functional positions in central
instansi/lembaga pemerintah pusat dan atau and/or regional government agencies/institutions
daerah;
4. Jabatan lainnya sesuai dengan ketentuan peraturan 4. Other positions in accordance with the provisions
perundang-undangan, pengurus partai politik of laws and regulations, administrators of political
dan/atau calon/anggota legislatif dan/atau calon parties and/or candidates/legislative members
kepala daerah wakil Kepala Daerah/Wakil Kepala and/ or regional head candidates deputy regional
Daerah; dan/atau heads/ deputy regional heads; and/or
5. Jabatan lain yang dapat menimbulkan benturan 5. Other positions that may cause a conflict of interest
kepentingan atau yang berkaitan dengan or related to the management of the Company.
pengurusan Perseroan.
Nama Rangkap Jabatan di Perseroan/Instansi Lain
Name Concurrent Positions in Other Companies/Institutions
Tidak ada
Damar Latri Setiawan
None
Tidak ada
Teguh Wahyono
None
Tidak ada
Gunawan Sulistyo
None
PT Pegadaian | 2023 Annual Report 387
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Tata Kelola Perusahaan
Corporate Governance
Nama Rangkap Jabatan di Perseroan/Instansi Lain
Name Concurrent Positions in Other Companies/Institutions
Tidak ada
Ferdian Timur Satyagraha
None
Tidak ada
Eka Pebriansyah
None
Tidak ada
Elvi Rofiqotul Hidayah
None
Tidak ada
Udin Salahudin
None
Tidak ada
E.R.A. Taufiq
None
Pengungkapan Kepemilikan Saham Disclosure of Share Ownership of
Dewan Komisaris dan Direksi the Board of Commissioners and the
Board of Directors
Sampai dengan 31 Desember 2023, Anggota Dewan As of December 31, 2023, members of the Company’s
Komisaris dan Direksi Perseroan tidak memiliki saham Board of Commissioners and Board of Directors do
di Perseroan maupun di perusahaan lain, sebagaimana not own shares in the Company or in other companies,
tercermin pada tabel sebagai berikut: as reflected in the following table:
Saham Pegadaian
Saham Perusahaan lain >5%
Nama Pegadaian Shares
Name Nilai Persen Nilai Persen
Value Percent Value Percent
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
Loto Srinaita Ginting
Umiyatun Hayati Triastuti
Sudarto
Rini Widyantini Nihil Nihil
Makmur Keliat None None
Nezar Patria
Yudi Priambodo P.
Muhammad Isnaini
DIREKSI
BOARD OF DIRECTORS
Damar Latri Setiawan
Teguh Wahyono
Gunawan Sulistyo
Ferdian Timur Satyagraha Nihil Nihil
Eka Pebriansyah None None
Elvi Rofiqotul Hidayah
Udin Salahudin
E.R.A. Taufiq
Hingga 31 Desember 2023, Perseroan tidak memiliki Until December 31, 2023, the Company does not have
kebijakan terkait kepemilikan saham oleh manajemen a policy regarding share ownership by management
sehingga tidak ada Dewan Komisaris dan Direksi yang so that no Board of Commissioners and Board of
memiliki saham Perseroan. Directors own shares in the Company.
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Penilaian Kinerja
Dewan Komisaris dan Direksi
Performance Assessment of the Board of Commissioners
and the Board of Directors
Board Manual Charter Dewan Komisaris dan Direksi The Board Manual Charter of the Board of
secara khusus mengatur evaluasi dan penilaian Commissioners and Board of Directors specifically
kinerja terhadap Dewan Komisaris, dimana Indikator regulates the evaluation and assessment of the
Pencapaian Kinerja atau Key Performance Indicator performance of the Board of Commissioners, where
(KPI) Dewan Komisaris dan Direksi ditetapkan melalui the Performance Achievement Indicators or Key
RUPS. KPI merupakan usulan Dewan Komisaris Performance Indicators (KPI) for the Board of
kepada RUPS yang kemudian akan ditetapkan oleh Commissioners and Board of Directors are determined
RUPS sebagai ukuran penilaian atas keberhasilan through the GMS. KPI is a form of suggestion from
pelaksanaan tugas dan tanggung jawab Dewan the Board of Commissioners to the GMS which will
Komisaris dan Direksi. then be determined by the GMS as a measure of
assessment of the success of implementing the duties
and responsibilities of the Board of Commissioners
and Board of Directors.
Penilaian Kinerja Dewan Komisaris dan Direksi The Performance Assessment of the Board of
dilakukan setiap triwulanan sebagaimana diamanatkan Commissioners and Board of Directors is carried out
berdasarkan Surat Direksi PT Bank Rakyat Indonesia every quarter as mandated based on the Decree of
(Persero) Tbk Nomor: R.0568-DIR/SBM/12/2022 the Board of Directors of PT Bank Rakyat Indonesia
tanggal 5 Desember 2022 perihal Penilaian Kinerja (Persero) Tbk No: R.0568-DIR/SBM/12/2022 dated
Direksi dan Anggota Dewan Komisaris Perusahaan December 5, 2022 on the Performance Assessment
Anak BRI. Penilaian dilakukan secara 360o terhadap of the Board of Directors and Members of the
Anggota Dewan Komisaris lainnya serta penilaian Board of Commissioners of BRI Subsidiaries. A 360
kinerja finansial maupun non-finansial terhadap assessment is carried out on other members of the
Direksi. Board of Commissioners as well as assessment of the
financial and non-financial performance of the Board
of Directors.
Penilaian Kinerja Dewan Komisaris Performance Assessment of the Board
of Commissioners
Untuk mencapai fungsi pengawasan dan penasehatan To achieve an effective supervisory and advisory
yang efektif, Dewan Komisaris melakukan penilaian function, the Board of Commissioners evaluates the
kinerja terhadap Dewan Komisaris sendiri, kinerja performance of the Board of Commissioners itself,
terhadap Direksi baik secara individual maupun the performance of the Board of Directors both
kolegial dan kinerja terhadap masing-masing komite individually and collegially and the performance of
sebagai organ penunjang Dewan Komisaris. each committee as a supporting organ of the Board
of Commissioners.
Kebijakan penilaian kinerja Dewan Komisaris mengacu The Board of Commissioners’ performance appraisal
pada Board Manual. Pelaksanaan penilaian kinerja policy refers to the Board Manual. The performance
Dewan Komisaris dilakukan berdasarkan kriteria- appraisal of the Board of Commissioners is carried
kriteria penilaian yang terkait dengan pelaksanaan out based on the evaluation criteria related to the
tugas dan tanggung jawab Dewan Komisaris dan implementation of the duties and responsibilities of
penyampaian laporan kinerja Dewan Komisaris yang the Board of Commissioners and the submission of the
selanjutnya akan dievaluasi oleh Pemegang Saham. performance report of the Board of Commissioners
Pelaporan kinerja Dewan Komisaris disampaikan which will then be evaluated by the Shareholders.
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Tata Kelola Perusahaan
Corporate Governance
dalam laporan pelaksanaan tugas pengawasan Dewan Reporting on the performance of the Board of
Komisaris atau dalam bentuk laporan triwulanan Commissioners is submitted in the report on the
perkembangan realisasi KPI kepada Pemegang Saham. implementation of the Board of Commissioners’
supervisory duties or in the form of a quarterly report
on the progress of KPI realization to Shareholders.
Penilaian kinerja Dewan Komisaris berdasarkan Assessment of the performance of the Board of
Indikator Kinerja menunjukan bahwa secara Commissioners based on Performance Indicators
keseluruhan Dewan Komisaris berhasil mencapai shows that overall the Board of Commissioners has
target yang ditetapkan. Berikut indikator yang succeeded in achieving the set targets. The following
digunakan dalam KPI dan hasil KPI Dewan Komisaris are the indicators used in the KPI and KPI results for
Perseroan di tahun 2023. the Company’s Board of Commissioners in 2023.
Realisasi Key Performance Indicators (KPI) Dewan Komisaris PT Pegadaian Triwulan IV Tahun 2023
Realization of Key Performance Indicators (KPI) for the Board of Commissioners of PT Pegadaian in Quarter IV 2023
Realisasi
% Tingkat
Perspektif Aspek Bobot Triw. IV
Parameter Capaian
Penilaian Penilaian Indikator (%) 2023
No. Parameter %
Valuation Assessment Indicator Weight Realization Achievement
Perspective Aspects (%) of Triw. IV Rate
2023
1 Learning Organisasi Organisasi Dewan Organisasi Dewan Komisaris 5 5,00 100,00%
& Growth Dewan Komisaris Sesuai sesuai dengan ketentuan
Perspective Komisaris Ketentuan yang berlaku
Organization Organization of the The organization of the
of the Board of Board of Commissioners Board of Commissioners
Commissioners in accordance with is in accordance with
in accordance provisions applicable regulations
with provisions
Program Pendidikan/ Setiap Anggota Komisaris 5 5,71 144,29%
trainng/ seminar minimal mengikuti satu kali
untuk menigkatkan dalam setahun
kompetensi Each Commissioner
Education/training/ member participates at
seminar programs to least once a year
increase competency
Sub Total 10 10,71 107,14%
Internal Perencanaan Pendapatan dan saran Pendapatan dan saran 5 2,50 50,00%
Process Planning atas RKAP/ RBB dan/ Dewan Komisaris atas
atau revisi RKAP/ RKAP/RBB sebelum tanggal
RBB perusahaan serta 30 November dan Revisi
penyusunan Program RKAP/RBB sebelum 30 Juni
Kerja Dewan Komisaris setiap tahun
secara tepat waktu Revenue and suggestions
Income and suggestions from the Board of
on the company's Commissioners for RKAP/
RKAP/RBB and/ RBB before November 30
or revision of the and Revision of RKAP/RBB
company's RKAP/ before June 30 every year
RBB as well as
timely preparation
of the Board of
Commissioners' Work
Program
Usulan Program Kerja 2,50 50,00%
Dewan Komisaris yang
dituangkan dalam Rencana
Kerja dan Anggaran Dewan
Komisaris yang disampaikan
kepada pemegang saham
sebelum 30 November
setiap tahun
Proposed Work Program of
the Board of Commissioners
as outlined in the Work Plan
and Budget of the Board
of Commissioners which is
submitted to shareholders
before November 30 each
year
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Realisasi Key Performance Indicators (KPI) Dewan Komisaris PT Pegadaian Triwulan IV Tahun 2023
Realization of Key Performance Indicators (KPI) for the Board of Commissioners of PT Pegadaian in Quarter IV 2023
Realisasi
% Tingkat
Perspektif Aspek Bobot Triw. IV
Parameter Capaian
Penilaian Penilaian Indikator (%) 2023
No. Parameter %
Valuation Assessment Indicator Weight Realization Achievement
Perspective Aspects (%) of Triw. IV Rate
2023
Pelaksanaan Persetujuan aksi Persetujuan dan/atau 5 6,67 133,33%
Implementation korporasi atau Tanggapan Dewan
Tindakan Direksi Komisaris terhadap usulan
yang memerlukan Direksi diberikan paling
persetujuan/tanggapan lambat 14 hari kerja sejak
Dewan Komisaris sesuai diterima oleh Dewan
dengan ketentuan Komisaris
Approval of corporate The Board of
actions or actions Commissioners' approval
of the Board of and/or response to the
Directors that require Board of Directors' proposal
approval/response is given no later than 14
from the Board of working days after it is
Commissioners in received by the Board of
accordance with Commissioners
provisions
Rapat Dewan Komisaris Rapat Dewan Komisaris 5 5,42 108,33%
dilaksanakan sesuai dilaksanakan minimal
dengan ketentuan dan sebulan sekali, dan rapat
target Dewan Komisaris dengan
Board of Commissioners Direksi dilaksanakan sebulan
meetings are held sekali
in accordance with Board of Commissioners
provisions and targets meetings are held at
least once a month, and
meetings of the Board
of Commissioners and
Directors are held once a
month
Penyusunan kebijakan Rekomendasi calon 5 2,50 200,00%
dan pelaksanaan pengurus Perusahaan Anak
nominasi calon yang disampaikan kepada
pengurus Perusahaan pemegang saham
Anak, serta kebijakan Recommendations for
remuneri dan struktur prospective management
remunerasi bagi of the Subsidiary Company
pengurus perusahaan submitted to shareholders
Preparation of policies
and implementation Kebijakan nominasi 1,25 100,00%
of nominations pengurus Perusahaan Anak
for candidates Subsidiary Company
for management management nomination
of Subsidiary policy
Companies, as well as
Kebijakan remunerasi 1,25 100,00%
remuneration policies
pengurus perusahaan
and remuneration
Company management
structures for company
remuneration policy
management
Usulan struktur remunerasi 1,25 100,00%
bagi pengurus perusahaan
yang disampaikan kepada
pemegang saham
Proposed remuneration
structure for company
management submitted to
shareholders
Penunjukan kantor Rekomendasi Kantor 5 5,00 100,00%
Akuntan Publik atas Akuntan Publik yang akan
laporan Keuangan melaksanakan audit atas
Perseroan laporan keuangan perseroan
Appointment of a diberikan sebelum RUPS
Public Accountant Tahunan perseroan
office for the Recommendations for the
Company's financial Public Accounting Firm
statements that will carry out an audit
of the company's financial
statements are given before
the company's Annual GMS
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Tata Kelola Perusahaan
Corporate Governance
Realisasi Key Performance Indicators (KPI) Dewan Komisaris PT Pegadaian Triwulan IV Tahun 2023
Realization of Key Performance Indicators (KPI) for the Board of Commissioners of PT Pegadaian in Quarter IV 2023
Realisasi
% Tingkat
Perspektif Aspek Bobot Triw. IV
Parameter Capaian
Penilaian Penilaian Indikator (%) 2023
No. Parameter %
Valuation Assessment Indicator Weight Realization Achievement
Perspective Aspects (%) of Triw. IV Rate
2023
Pengawasan Pelaksanaan kunjungan Sebagian kantor cabang 5 10,83
Supervision kerja Dewan Komisaris dikunjungi minimal satu
Implementation kali oleh Anggota Dewan
of working visits Komisaris baik secara online
of the Board of maupun offline
Commissioners Some branch offices were
visited at least once by
members of the Board of
Commissioners, both online
and offline
Pelaksanaan review Review atas Perencanaan 5 1,67
pengendalian internal Audit Tahunan (PAT)
serta review laporan SKAI dan evaluasi atas
audit internal dan pelaksanaan atas audit
eksternal internal
Implementation of Review of SKAI's Annual
internal control reviews Audit Planning (PAT)
as well as reviews of and evaluation of the
internal and external implementation of internal
audit reports audits
Review Laporan Hasil 1,67 100,00%
Pemeriksaan Audit Internal
dan monitoring tindak lanjut
sesuai dengan ketentuan
dan target waktu
Review of Internal Audit
Inspection Reports and
follow-up monitoring in
accordance with provisions
and time targets
Review Laporan Hasil 1,67 100,00%
Pemeriksaan Audit
Eksternal dan monitoring
tindak lanjut sesuai dengan
ketentuan dan target waktu
Review of External Audit
Inspection Reports and
follow-up monitoring in
accordance with provisions
and time targets
Pelaksanaan Review Review Laporan Keuangan 5 5,00 100,00%
Laporan Keuangan dilaksanakan sesuai dengan
Implementation of ketentuan dan tepat waktu
Financial Statements sesuai target
Review Financial Report Reviews
are carried out in
accordance with regulations
and on time according to
targets
Sub Total 40 49,17 111,31%
3 Compliance Pelaksanaan Pelaksanaan Penilaian Penilaian GCG dilaksanakan 5 5,00 100,00%
Perspective aktivitas GCG minimal satu kali dalam
korporasi sesuai Implementation of GCG satu tahun sesuai dengan
Good Corporate Assessment ketentuan dan tepat waktu
Governance sesuai target
Implementation GCG assessments are
of corporate carried out at least once
activities in a year in accordance with
accordance with regulations and on time
Good Corporate according to targets
Governance
Opini Akuntan Publik Opini Akuntan Publik Wajar 5 5,00 100,00%
atas Laporan Keuangan Tanpa Pengecualian
perseroan Public Accountant's Opinion
Public Accountant's is Unqualified
Opinion on the
Company's Financial
Statements
Skor Penilaian CGPI Skor penilaian CGPI sesuai 5 5,00 100,00%
lebih baik dari tahun dengan target
sebelumnya The CGPI assessment score
CGPI Assessment is in line with the target
Score is better than the
previous year
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Realisasi Key Performance Indicators (KPI) Dewan Komisaris PT Pegadaian Triwulan IV Tahun 2023
Realization of Key Performance Indicators (KPI) for the Board of Commissioners of PT Pegadaian in Quarter IV 2023
Realisasi
% Tingkat
Perspektif Aspek Bobot Triw. IV
Parameter Capaian
Penilaian Penilaian Indikator (%) 2023
No. Parameter %
Valuation Assessment Indicator Weight Realization Achievement
Perspective Aspects (%) of Triw. IV Rate
2023
Pelaksanaan Pelaksanaan review atas Pelaksanaan review atas 5 5,00 100,00%
fungsi Laporan Profil Risiko Laporan Profil Risiko setiap
pengawasan Carrying out a review of tiga bulan sesuai dengan
terhadap the Risk Profile Report ketentuan dan tepat waktu
pengelolaan sesuai target
Manajemen Carrying out a review of the
Risiko Risk Profile Report every
Implementation three months in accordance
of the with the provisions and on
supervisory time according to the target
function
regarding the Pelaksanaan fungsi Skor self assessment 5 5,00 100,00%
management kepatuhan review pelaksanaan fungsi
of Risk Implementation of kepatuhan dilaksanakan
Management compliance functions setiap semester
The self-assessment
score review of the
implementation of the
compliance function is
carried out every semester
Pelaksanaan review atas Pelaksanaan review 5 7,50 150,00%
Laporan Profil Risiko atas fungsi kepatuhan
dan Fungsi Kepatuhan dilaksanakan setiap
Carrying out a review semester sesuai dengan
of the Risk Profile ketentuan dan tepat waktu
Report and Compliance sesuai target
Function The review of the
compliance function is
carried out every semester
in accordance with the
provisions and on time
according to the target
Sub Total 30 32,50 108,33%
4 Finance Penilaian aspek Laba Bersih Pencapaian target Laba 5 5,60 111,92%
Perspective rentabilitas dan Net profit Bersih sesuai RKAP
permodalan Achievement of Net Profit
Assessment of target according to RKAP
profitability and
capital aspects
Aset Pencapaian target Aset 5 5,17 103,49%
Assets sesuai RKAP
Achievement of Asset
targets according to RKAP
NPL Pencapaian target NPL 5 9,82 196,47%
sesuai RKAP
Achievement of NPL targets
according to RKAP
ROE Pencapaian target ROE 5 5,36 107,18%
sesuai RKAP
Achievement of ROE target
according to RKAP
Sub Total 20 25,95 129,76%
TOTAL 100 118,33 118,33%
Penilaian Kinerja Direksi Performance Assessment of the Board
of Directors
Bagi Direksi, kriteria evaluasi formal disampaikan For the Board of Directors, formal evaluation criteria
secara terbuka kepada anggota Direksi sejak tanggal are submitted openly to members of the Board of
pengangkatannya. Kriteria kinerja Direksi secara Directors from the date of their appointment. The
kolegial maupun individu, berdasarkan atas usulan performance criteria for the Board of Directors
oleh Dewan Komisaris kepada RUPS untuk disetujui collegially and individually, based on the proposal by
sekurang-kurangnya mencakup: the Board of Commissioners to the GMS for approval,
at least include:
PT Pegadaian | 2023 Annual Report 393
Page 394
Tata Kelola Perusahaan
Corporate Governance
1. Tingkat kehadirannya dalam rapat Direksi maupun 1. The level of attendance at the meetings of the
rapat dengan Dewan Komisaris Board of Directors and meetings with the Board of
Commissioners
2. Kontribusinya dalam aktivitas bisnis Perseroan 2. Its contribution to the Company’s business
activities
3. Keterlibatannya dalam penugasan-penugasan 3. Involvement in certain assignments
tertentu
4. Komitmennya dalam memajukan kepentingan 4. Its commitment to advancing the interests of the
Perseroan Company
5. Ketaatan terhadap peraturan perundang- 5. Compliance with applicable laws and regulations
undangan yang berlaku serta kebijakan Perseroan and Company policies
Penilaian kinerja Direksi berdasarkan indikator kinerja, Assessment of the performance of the Board of
menunjukan bahwa secara keseluruhan Direksi Directors based on performance indicators shows
berhasil mencapai target yang ditetapkan. Berikut that overall the Board of Directors has succeeded
indikator yang digunakan dalam KPI dan hasil KPI in achieving the set targets. The following are the
Direksi Perseroan di tahun 2023. indicators used in the KPI and KPI results for the
Company’s Board of Directors in 2023.
KPI Kinerja dan Penilaian Direksi Tahun 2023
KPI Performance and Assessment of the Board of Directors in 2023
Bobot 31 Desember 2023
KPI Kolegial 2023 Satuan Indikator December 31, 2023
No Target
Collegial KPI 2023 Unit Indicator Realisasi Skor KPI Pencapaian
Weight Realization KPI Score Achievement
Nilai Ekonomi Sosial
Social Economic Value
Finansial
Finance
Laba Bersih Rp (Miliar/
1. 10 3.911 4.376,68 11,00 111,91%
Net Profit billion)
2. ROIC>WACC % 5 3,10 3,40 5,48 109,58%
3. ROE % 5 13,37 14,33 5,36 107,18%
Operasional
Operations
Nasabah Aktif Pembiayaan Jumlah
4. 5 13.980.128 14.800.380 5,29 105,87%
Active Customer Financing Total
5. LAR Coverage Ratio % 5 61 75,89 5,50 124.41%
6. Cost of Credit % 5 1,00 -0,302 5,50 330,66%
Sosial
Social
OS Pinjaman Total (OSL
7. Gross) Rp (Miliar) 5 63.608 67.573,56 5,31 106,23%
OS Total Loan (OSL Gross
Inovasi Model Dan Bisnis
Model and Business Innovation
8. KPI Holding UMI % 15 100 104,11 15,62 104,11%
Product Alignment
(Implementasi Kupedes Rp (Miliar/
9. 10 1.500 2.678,42 11,00 178,56%
Pegadaian/ Implementation billion)
of Kupedes Pegadaian)
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KPI Kinerja dan Penilaian Direksi Tahun 2023
KPI Performance and Assessment of the Board of Directors in 2023
Bobot 31 Desember 2023
KPI Kolegial 2023 Satuan Indikator December 31, 2023
No Target
Collegial KPI 2023 Unit Indicator Realisasi Skor KPI Pencapaian
Weight Realization KPI Score Achievement
Kepemimpinan Teknologi
Technology Leadership
Skor
10. IT Maturity Level 5 4,43 4,65 5,25 104,97%
Score
Skor
11. Maturity Cyber Security 5 >3,2 3,46 5,41 108,13%
Score
Peningkatan Investasi
Increasing Investment
Alignment Kebijakan
& Framework IT, Risk,
Compliance, & HC terhadap
Induk Holding
12. % 5 100 100 5,00 100,00%
Alignment of IT, Risk,
Compliance, & HC Policies
& Frameworks for Parent
Holding
Risk Management Maturity Skor
13. 5 >3,42 3,79 5,50 110,82%
Index Score
Pengembangan Talenta
Talent Development
SDM yang Unggul dan Profesional
Excellent and Professional Human Resources
Rasio pemenuhan kualifikasi
Organ Pengelola Risiko
14. Ratio of qualification % 4,5 80 106,12 4,95 132,65%
fulfillment of the Risk
Management Organ
Penyusunan Roadmap
Penyehatan Dana Pensiun
Manfaat Pasti
15. % 4,5 100 100 4,50 100,00%
Preparation of a Roadmap for
the Restructuring of Defined
Benefit Pension Funds
Pengembangan Talent Milenial dan Perempuan
Millennial and Women Talent Development
Rasio Perempuan dalam
nominated talent
16. % 3 >20,99 26,16 3,30 124,36%
Ratio of Women in nominated
talent
Rasio Top Talent Muda (<=42
tahun) dalam nominated
talent
17. % 3 >25,00 71,97 3,30 287,88%
Ratio of Young Top
Talent (<=42 years) in the
nominated talent
Total 107,27
PT Pegadaian | 2023 Annual Report 395
Page 396
Tata Kelola Perusahaan
Corporate Governance
Rapat Dewan Komisaris dan Direksi
Meeting of the Board of Commissioners and the Board of
Directors
Rapat Dewan Komisaris Meeting of the Board of
Commissioners
Kebijakan rapat Dewan Komisaris mengacu pada The Board of Commissioners’ meeting policy refers
Pedoman dan Tata Tertib Kerja Dewan Komisaris PT to the Company’s Board Manual, where the Board of
Pegadaian, di mana rapat Dewan Komisaris terdiri Commissioners’ meetings consist of Internal Board of
dari Rapat Internal Dewan Komisaris, Rapat Dewan Commissioners Meetings, Board of Commissioners
Komisaris mengundang Direksi dan Rapat Dewan Meetings inviting the Board of Directors and Board of
Komisaris dengan Komite di bawah Dewan Komisaris. Commissioners Meetings with Committees under the
Board of Commissioners.
Rapat Internal Dewan Komisaris dilakukan paling Internal meetings of the Board of Commissioners are
sedikit setiap bulan sekali. Rapat Dewan Komisaris held at least once a month. Meetings of the Board of
mengundang Direksi dilakukan atas usulan Direksi, di Commissioners Inviting the Board of Directors are held
mana rapat tersebut merupakan bentuk koordinasi at the suggestion of the Board of Directors, where the
dan komunikasi mengenai penjelasan Direksi atas meeting is a form of coordination and communication
perbuatan-perbuatan Direksi yang harus mendapat regarding the Board of Directors’ explanation of the
persetujuan tertulis Dewan Komisaris, membahas Board of Directors’ actions which must obtain written
laporan-laporan periodik Direksi, membahas kondisi approval from the Board of Commissioners, discussing
dan prospek usaha, membahas kebijakan nasional yang periodic reports of the Board of Directors, discussing
berdampak pada kinerja Perseroan serta memberikan business conditions and prospects, discussing national
tanggapan, catatan, nasihat yang dituangkan dalam policies which has an impact on the Company’s
risalah rapat. performance and provides responses, notes, advice as
outlined in the minutes of meetings.
Adapun untuk rapat bersama Komite di bawah Dewan As for joint meetings of the Committees under the
Komisaris dilakukan dalam rangka membahas laporan- Board of Commissioners, they are held in order to
laporan periodik Komite, isu yang berkembang discuss the Committee’s periodic reports, developing
serta terkait dengan transaksi yang memerlukan issues and related transactions that require the
persetujuan Dewan Komisaris. Keputusan rapat Dewan approval of the Board of Commissioners. Decisions
Komisaris diambil berdasarkan musyawarah untuk of the Board of Commissioners’ meetings are taken
mufakat. Apabila melalui musyawarah tidak tercapai based on deliberation to reach a consensus. If a
mufakat, maka keputusan rapat Dewan Komisaris consensus is not reached through deliberation, then
diambil dengan suara terbanyak biasa. Setiap anggota the decision of the Board of Commissioners meeting
Dewan Komisaris berhak mengeluarkan 1 (satu) is taken by an ordinary majority vote. Each member
suara ditambah 1 (satu) suara untuk Anggota Dewan of the Board of Commissioners has the right to cast
Komisaris yang diwakilinya. 1 (one) vote plus 1 (one) vote for the Member of the
Board of Commissioners he represents.
Sepanjang tahun 2023, Dewan Komisaris telah Throughout 2023, the Board of Commissioners
menyelenggarakan Rapat Internal Dewan Komisaris has held 14 internal meetings of the Board of
sebanyak 14 kali dan Rapat Internal Dewan Komisaris Commissioners and 12 internal meetings of the Board
bersama Direksi sebanyak 12 kali. Berikut risalah dan of Commissioners with the Board of Directors. The
tingkat kehadiran Dewan Komisaris dalam rapat di following are the minutes and attendance levels of
sepanjang tahun 2023. the Board of Commissioners at meetings throughout
2023.
396 Laporan Tahunan 2023 | PT Pegadaian
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Risalah dan Peserta Rapat Internal Dewan Komisaris Tahun 2023
Minutes and Participants of the 2023 Board of Commissioners Internal Meeting
Tanggal Peserta
No Agenda
Date Participants
1. 25 Januari 2023 1. Pembahasan hasil rapat bulan Desember 1. Dewan Komisaris
January 25, 2023 2022 2. Komite Audit
2. Pembahasan kinerja PT Pegadaian s.d. bulan 3. Komite Pemantau Risiko
Desember 2022 4. Komite Nominasi dan Remunerasi
3. Hal-hal strategis lainnya 1. Board of Commissioners
1. Discussion of meeting results of the 2. Audit Committee
December 2022 3. Risk Monitoring Committee
2. Discussion of the performance of PT 4. Nomination and Remuneration
Pegadaian until December 2022 Committee
3. Other strategic matters
2. 03 Februari 2023 Pembahasan Materi Dewan Komisaris pada 1. Dewan Komisaris
February 3, 2023 Rakernas SPI PT Pegadaian 2. Komite Audit
Discussion of Board of Commissioners material 3. Komite Pemantau Risiko
at National Working Meeting of SPI of PT 4. Komite Nominasi dan Remunerasi
Pegadaian 1. Board of Commissioners
2. Audit Committee
3. Risk Monitoring Committee
4. Nomination and Remuneration
Committee
3. 22 Februari 2023 1. Pembahasan hasil rapat bulan Januari 2023 1. Dewan Komisaris
February 22, 2023 2. Pembahasan kinerja PT Pegadaian s.d. bulan 2. Komite Audit
Januari 2023 3. Komite Pemantau Risiko
3. Hal-hal strategis lainnya 4. Komite Nominasi dan Remunerasi
1. Discussion of meeting results of the January 1. Board of Commissioners
2023 2. Audit Committee
2. Discussion of the performance of PT 3. Risk Monitoring Committee
Pegadaian until January 2023 4. Nomination and Remuneration
3. Other strategic matters Committee
4. 29 Maret 2023 1. Pembahasan hasil rapat bulan Februari 2023 1. Dewan Komisaris
March 29, 2023 2. Pembahasan kinerja PT Pegadaian s.d. bulan 2. Komite Audit
Februari 2023 3. Komite Pemantau Risiko
3. Hal-hal strategis lainnya 4. Komite Nominasi dan Remunerasi
1. Discussion of meeting results of the February 1. Board of Commissioners
2023 2. Audit Committee
2. Discussion of the performance of PT 3. Risk Monitoring Committee
Pegadaian until February 2023 4. Nomination and Remuneration
3. Other strategic matters Committee
5. 03 April 2023 Pembahasan Usulan Remunerasi Dewan 1. Dewan Komisaris
April 3, 2023 Komisaris dan Direksi PT Pegadaian 2. Komite Nominasi dan Remunerasi
Discussion of Proposed Remuneration for the 1. Board of Commissioners
Board of Commissioners and Board of Directors 2. Nomination and Remuneration
of PT Pegadaian Committee
6. 28 April 2023 1. Pembahasan hasil rapat bulan Maret 2023 1. Dewan Komisaris
April 28, 2023 2. Pembahasan kinerja PT Pegadaian s.d. bulan 2. Komite Audit
Maret 2023 3. Komite Pemantau Risiko
3. Hal-hal strategis lainnya 4. Komite Nominasi dan Remunerasi
1. Discussion of meeting results of the March 1. Board of Commissioners
2023 2. Audit Committee
2. Discussion of the performance of PT 3. Risk Monitoring Committee
Pegadaian until March 2023 4. Nomination and Remuneration
3. Other strategic matters Committee
7. 29 Mei 2023 1. Pembahasan hasil rapat bulan April 2023 1. Dewan Komisaris
May 29, 2023 2. Pembahasan kinerja PT Pegadaian s.d. bulan 2. Komite Audit
April 2023 3. Komite Pemantau Risiko
3. Hal-hal strategis lainnya 4. Komite Nominasi dan Remunerasi
1. Discussion of meeting results of the April 1. Board of Commissioners
2023 2. Audit Committee
2. Discussion of the performance of PT 3. Risk Monitoring Committee
Pegadaian until April 2023 4. Nomination and Remuneration
3. Other strategic matters Committee
PT Pegadaian | 2023 Annual Report 397
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Tata Kelola Perusahaan
Corporate Governance
Risalah dan Peserta Rapat Internal Dewan Komisaris Tahun 2023
Minutes and Participants of the 2023 Board of Commissioners Internal Meeting
Tanggal Peserta
No Agenda
Date Participants
8. 27 Juni 2023 1. Pembahasan hasil rapat bulan Mei 2023 1. Dewan Komisaris
June 27, 2023 2. Pembahasan kinerja PT Pegadaian s.d. bulan 2. Komite Audit
Mei 2023 3. Komite Pemantau Risiko
3. Hal-hal strategis lainnya 4. Komite Nominasi dan Remunerasi
1. Discussion of meeting results of May 2023 1. Board of Commissioners
2. Discussion of the performance of PT 2. Audit Committee
Pegadaian until May 2023 3. Risk Monitoring Committee
3. Other strategic matters 4. Nomination and Remuneration
Committee
9. 25 Juli 2023 1. Pembahasan hasil rapat bulan Juni 2023 1. Dewan Komisaris
July 25, 2023 2. Pembahasan Proses Surat 2. Komite Audit
3. Pembahasan Tindak Lanjut Asesmen GCG 3. Komite Pemantau Risiko
dan CGPI (revisi BoC Charter) 4. Komite Nominasi dan Remunerasi
4. Pembahasan kinerja PT Pegadaian s.d. bulan 1. Board of Commissioners
Juni 2023 2. Audit Committee
5. Hal-hal strategis lainnya
3. Risk Monitoring Committee
1. Discussion of meeting results of June 2023
4. Nomination and Remuneration
2. Discussion of the Letter Process
Committee
3. Discussion of Follow-up to GCG and CGPI
Assessment (revised BoC Charter)
4. Discussion of the performance of PT
Pegadaian until June 2023
5. Other strategic matters
10. 29 Agustus 2023 1. Pembahasan hasil rapat bulan Juli 2023 1. Dewan Komisaris
August 29, 2023 2. Pembahasan kinerja PT Pegadaian s.d. bulan 2. Komite Audit
Juli 2023 3. Komite Pemantau Risiko
3. Hal-hal strategis lainnya 4. Komite Nominasi dan Remunerasi
1. Discussion of meeting results of July 2023 1. Board of Commissioners
2. Discussion of the performance of PT 2. Audit Committee
Pegadaian until July 2023 3. Risk Monitoring Committee
3. Other strategic matters 4. Nomination and Remuneration
Committee
11. 22 September 2023 1. Pembahasan hasil rapat bulan Agustus 2023 1. Dewan Komisaris
September 22, 2023 2. Pembahasan kinerja PT Pegadaian s.d. bulan 2. Komite Audit
Agustus 2023 3. Komite Pemantau Risiko
3. Hal-hal strategis lainnya 4. Komite Nominasi dan Remunerasi
1. Discussion of meeting results of the August 1. Board of Commissioners
2023 2. Audit Committee
2. Discussion of the performance of PT 3. Risk Monitoring Committee
Pegadaian until August 2023 4. Nomination and Remuneration
3. Other strategic matters Committee
12. 23 Oktober 2023 1. Pembahasan hasil rapat bulan September 1. Dewan Komisaris
October 23, 2023 2023 2. Komite Audit
2. Pembahasan kinerja PT Pegadaian s.d. bulan 3. Komite Pemantau Risiko
September 2023 4. Komite Nominasi dan Remunerasi
3. Hal-hal strategis lainnya 1. Board of Commissioners
1. Discussion of meeting results of the 2. Audit Committee
September 2023 3. Risk Monitoring Committee
2. Discussion of the performance of PT 4. Nomination and Remuneration
Pegadaian until September 2023 Committee
3. Other strategic matters
13. 28 November 2023 1. Pembahasan hasil rapat bulan Oktober 2023 1. Dewan Komisaris
November 28, 2023 2. Pembahasan kinerja PT Pegadaian s.d. bulan 2. Komite Audit
Oktober 2023 3. Komite Pemantau Risiko
3. Hal-hal strategis lainnya 4. Komite Nominasi dan Remunerasi
1. Discussion of meeting results of the October 1. Board of Commissioners
2023 2. Audit Committee
2. Discussion of the performance of PT 3. Risk Monitoring Committee
Pegadaian until October 2023 4. Nomination and Remuneration
3. Other strategic matters Committee
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Risalah dan Peserta Rapat Internal Dewan Komisaris Tahun 2023
Minutes and Participants of the 2023 Board of Commissioners Internal Meeting
Tanggal Peserta
No Agenda
Date Participants
14. 27 Desember 2023 1. Pembahasan hasil rapat bulan November 1. Dewan Komisaris
December 27, 2023 2023 2. Komite Audit
2. Pembahasan kinerja PT Pegadaian s.d. bulan 3. Komite Pemantau Risiko
November 2023 4. Komite Nominasi dan Remunerasi
3. Hal-hal strategis lainnya 1. Board of Commissioners
1. Discussion of meeting results of the 2. Audit Committee
November 2023 3. Risk Monitoring Committee
2. Discussion of the performance of PT 4. Nomination and Remuneration
Pegadaian until November 2023 Committee
3. Other strategic matters
Risalah dan Peserta Rapat Gabungan Dewan Komisaris & Direksi Tahun 2023
Minutes and Participants of the 2023 Joint Meeting of the Board of Commissioners & Board of Directors
Tanggal Peserta
No Agenda
Date Participants
1. Pembahasan hasil rapat bulan Desember 2022
2. Pembahasan kinerja PT Pegadaian s.d. bulan Desember
2022 1. Dewan Komisaris
27 Januari 2023 3. Hal-hal strategis lainnya 2. Direksi
1
January 27, 2023 1. Discussion of meeting results of December 2022 1. Board of Commissioners
2. Discussion of the performance of PT Pegadaian until 2. Board of Directors
December 2022
3. Other strategic matters
1. Pembahasan hasil rapat bulan Januari 2023
2. Pembahasan kinerja PT Pegadaian s.d. bulan Januari 2023
1. Dewan Komisaris
3. Hal-hal strategis lainnya
28 Februari 2023 2. Direksi
2 1. Discussion of meeting results of January 2023
February 28, 2023 1. Board of Commissioners
2. Discussion of the performance of PT Pegadaian until
2. Board of Directors
January 2023
3. Other strategic matters
1. Pembahasan hasil rapat bulan Februari 2023
2. Pembahasan kinerja PT Pegadaian s.d. bulan Februari
2023 1. Dewan Komisaris
29 Maret 2023 3. Hal-hal strategis lainnya 2. Direksi
3
March 29, 2023 1. Discussion of meeting results of the February 2023 1. Board of Commissioners
2. Discussion of the performance of PT Pegadaian until 2. Board of Directors
February 2023
3. Other strategic matters
1. Pembahasan hasil rapat bulan Maret 2023
2. Pembahasan kinerja PT Pegadaian s.d. bulan Maret 2023
1. Dewan Komisaris
3. Hal-hal strategis lainnya
28 April 2023 2. Direksi
4 1. Discussion of meeting results of March 2023
April 28, 2023 1. Board of Commissioners
2. Discussion of the performance of PT Pegadaian until
2. Board of Directors
March 2023
3. Other strategic matters
1. Pembahasan hasil rapat bulan April 2023
2. Pembahasan kinerja PT Pegadaian s.d. bulan April 2023
1. Dewan Komisaris
3. Hal-hal strategis lainnya
29 Mei 2023 2. Direksi
5 1. Discussion of meeting results of the April 2023
May 29, 2023 1. Board of Commissioners
2. Discussion of the performance of PT Pegadaian until April
2. Board of Directors
2023
3. Other strategic matters
1. Pembahasan hasil rapat bulan Mei 2023
2. Pembahasan kinerja PT Pegadaian s.d. bulan Mei 2023
1. Dewan Komisaris
3. Hal-hal strategis lainnya
27 Juni 2023 2. Direksi
6 1. Discussion of meeting results of May 2023
June 27, 2023 1. Board of Commissioners
2. Discussion of the performance of PT Pegadaian until May
2. Board of Directors
2023
3. Other strategic matters
PT Pegadaian | 2023 Annual Report 399
Page 400
Tata Kelola Perusahaan
Corporate Governance
Risalah dan Peserta Rapat Gabungan Dewan Komisaris & Direksi Tahun 2023
Minutes and Participants of the 2023 Joint Meeting of the Board of Commissioners & Board of Directors
Tanggal Peserta
No Agenda
Date Participants
1. Pembahasan hasil rapat bulan Juni 2023
2. Pembahasan kinerja PT Pegadaian s.d. bulan Juni 2023
1. Dewan Komisaris
3. Hal-hal strategis lainnya
27 Juli 2023 2. Direksi
7 1. Discussion of meeting results of June 2023
July 27, 2023 1. Board of Commissioners
2. Discussion of the performance of PT Pegadaian until June
2. Board of Directors
2023
3. Other strategic matters
1. Pembahasan hasil rapat bulan Juli 2023
2. Pembahasan kinerja PT Pegadaian s.d. bulan Juli 2023
1. Dewan Komisaris
3. Hal-hal strategis lainnya
30 Agustus 2023 2. Direksi
8 1. Discussion of meeting results of July 2023
August 30, 2023 1. Board of Commissioners
2. Discussion of the performance of PT Pegadaian until July
2. Board of Directors
2023
3. Other strategic matters
1. Pembahasan hasil rapat bulan Agustus 2023
2. Pembahasan kinerja PT Pegadaian s.d. bulan Agustus
2023 1. Dewan Komisaris
27 September 2023 3. Hal-hal strategis lainnya 2. Direksi
9
September 27, 2023 1. Discussion of meeting results of August 2023 1. Board of Commissioners
2. Discussion of the performance of PT Pegadaian until 2. Board of Directors
August 2023
3. Other strategic matters
1. Pembahasan hasil rapat bulan September 2023
2. Pembahasan kinerja PT Pegadaian s.d. bulan September
2023 1. Dewan Komisaris
30 Oktober 2023 3. Hal-hal strategis lainnya 2. Direksi
10
October 30, 2023 1. Discussion of meeting results of September 2023 1. Board of Commissioners
2. Discussion of the performance of PT Pegadaian until 2. Board of Directors
September 2023
3. Other strategic matters
1. Pembahasan hasil rapat bulan Oktober 2023
2. Pembahasan kinerja PT Pegadaian s.d. bulan Oktober
2023
3. Pembahasan Usulan Penerbitan Obligasi, Sukuk, MTN, dan
lain-lain
4. Pembahasan Usulan Persetujuan Rencana Aksi Keuangan
Bekelanjutan 1. Dewan Komisaris
29 November 2023 5. Hal-hal strategis lainnya 2. Direksi
11
November 29, 2023 1. Discussion of meeting results of October 2023 1. Board of Commissioners
2. Discussion of the performance of PT Pegadaian until 2. Board of Directors
October 2023
3. Discussion of Proposed Issuance of Bonds, Sukuk, MTN,
etc
4. Discussion of the Proposal for Approval of the Sustainable
Financial Action Plan
5. Other strategic matters
1. Pembahasan hasil rapat bulan November 2023
2. Pembahasan kinerja PT Pegadaian s.d. bulan November
2023 1. Dewan Komisaris
29 Desember 2023 3. Hal-hal strategis lainnya 2. Direksi
12
December 29, 2023 1. Discussion of meeting results of November 2023 1. Board of Commissioners
2. Discussion of the performance of PT Pegadaian until 2. Board of Directors
November 2023
3. Other strategic matters
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Tingkat Kehadiran Dewan Komisaris dalam Rapat Internal dan Rapat Bersama Direksi
Level of Attendance of the Board of Commissioners in Internal Meetings and Joint Meetings with the Board of Directors
Rapat Gabungan Dewan
Rapat Internal Dewan Jumlah Rapat Dewan
Komisaris dengan Direksi
Komisaris Komisaris
Joint Meeting of the Board of
Internal Meeting of the Board Number of Board of
Commissioners with the Board
of Commissioners Commissioners Meetings
of Directors
Nama Jabatan Jumlah dan (%) Kehadiran Jumlah dan (%) Kehadiran Jumlah dan (%) Kehadiran
Name Position Number and (%) Attendance Number and (%) Attendance Number and (%) Attendance
Jumlah Jumlah Jumlah
Jumlah Jumlah Jumlah
Rapat Rapat Rapat
Kehadiran Kehadiran Kehadiran
Number % Number % Number %
Number of Number of Number of
of of of
Attendance Attendance Attendance
Meetings Meetings Meetings
Komisaris
Loto
Utama
Srinaita 12 12 100% 14 14 100% 26 26 100%
President
Ginting
Commissioner
Umiyatun
Komisaris
Hayati 12 12 100% 14 14 100% 26 26 100%
Commissioner
Triastuti
Komisaris
Sudarto 12 12 100% 14 14 100% 26 26 100%
Commissioner
Rini Komisaris
12 12 100% 14 14 100% 26 26 100%
Widyantini Commissioner
Komisaris
Makmur Independen
12 12 100% 14 14 100% 26 26 100%
Keliat Independent
Commissioner
Komisaris
Independen
Nezar Patria 12 12 100% 14 14 100% 26 26 100%
Independent
Commissioner
Komisaris
Yudi
Independen
Priambodo 12 12 100% 14 14 100% 26 26 100%
Independent
P.
Commissioner
Komisaris
Muhammad Independen
3 3 100% 3 3 100% 6 6 100%
Isnaini* Independent
Commissioner
Keterangan:
*Diangkat sebagai Komisaris Independen pada tanggal 11 Oktober 2023
Description:
*Appointed as Independent Commissioner on October 11, 2023
Rapat Direksi Meeting of the Board of Directors
Kebijakan rapat Direksi mengacu pada Board Manual, The Board of Directors’ meeting policy refers to
dimana rapat Direksi terdiri dari rapat Internal Direksi the Board Manual, where the meetings consist of
dan Rapat Direksi mengundang Dewan Komisaris. Internal Meetings and meetings with the Board of
Rapat Internal Direksi diselenggarakan secara berkala Commissioners. Internal meetings of the Board of
sekurang-kurangnya 1 (satu) kali dalam 1 (satu) bulan. Directors are held periodically at least 1 (one) time in
adapun Rapat Direksi Mengundang Dewan Komisaris 1 (one) month. The Board of Directors Meeting with
dilakukan atas usulan Dewan Komisaris. the Board of Commissioners is held based on the
recommendation of the Board of Commissioners.
Keputusan rapat Direksi diambil berdasarkan Decisions at Board of Directors meetings are taken
musyawarah untuk mufakat. Apabila melalui based on deliberation to reach consensus. If through
musyawarah tidak tercapai mufakat, maka keputusan deliberation no consensus is reached, then the decision
rapat Direksi diambil dengan suara terbanyak biasa. at the Board of Directors meeting is taken by ordinary
Setiap anggota Direksi berhak mengeluarkan 1 (satu) majority vote. Each member of the Board of Directors
suara ditambah 1 (satu) suara untuk Anggota Direksi has the right to cast 1 (one) vote plus 1 (one) vote for
yang diwakilinya. Selama tahun 2023, Direksi telah the Member of the Board of Directors he represents.
PT Pegadaian | 2023 Annual Report 401
Page 402
Tata Kelola Perusahaan
Corporate Governance
menyelenggarakan Rapat Internal Direksi sebanyak During 2023, the Board of Directors held 154 Internal
154 kali, dan Rapat Direksi bersama Dewan Komisaris Meetings of the Board of Directors, and 12 Meetings of
sebanyak 12 kali. Berikut risalah dan tingkat kehadiran the Board of Directors and Board of Commissioners.
Direksi dalam rapat di sepanjang tahun 2023. The following are the minutes and attendance levels of
the Board of Directors at meetings throughout 2023.
Tingkat kehadiran Direksi pada Rapat Direksi
Board of Directors' attendance level at the Meetings
Tanggal
No Agenda
Date Damar Elvi Ferdian Ridwan
Eka Udin Teguh E.R.A. Gunawan
Latri Rofiqotul Timur Arbian
Pebriansyah Salahudin* Wahyono Taufiq** Sulistyo
Setiawan Hidayah Satyagraha Syah***
January 3, Kajian Potensial Wilayah
1 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Regional Potential Study
1. SOP Penertiban
Aset PT Pegadaian
2. Penyelesaian Aset
Bermasalah di
Padangsidimpuan
dan Malangbong
3. Usulan
Penyelesaian
Tumpang Tindih
Sertipikat dan
Pemecahan
Sertipikat CP
Ngupasan-Ex
Pesonna Hotel
Malioboro
January 17,
2 1. SOP for Controlling ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
PT Pegadaian
Assets
2. Resolving
Problem Assets in
Padangsidimpuan
and Malangbong
3. Proposed
Settlement of
Overlapping
Certificates and
Splitting of CP
Ngupasan-Ex
Pesonna Hotel
Malioboro
Certificates
Permohonan Persetujuan
End-State Penataan Anak
January 17, Perusahaan
3 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Application for End-State
Approval of Subsidiary
Arrangement
Corporate Card Direksi
January 17,
4 Board of Directors' ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
Corporate Card
Penetapan Pengurus PT
Pegadaian Galeri Dua
Empat
January 24,
5 Determination of the ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
Management of PT
Pegadaian Galeri Dua
Empat
Permohonan Persetujuan
RKA AP (PGDE, POJ
January 24, & PIJ)
6 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Request for AP RKA
Approval (PGDE, POJ
& PIJ)
January 31, Hasil Assessment GCG
7 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 GCG Assessment Results
Pengadaan Satpam,
Office Boy/ Girl dan
January 31, Pengemudi
8 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Procurement of security
guards, office boys/girls
and drivers
Usulan Penerapan
February 7, Kebijakan STL Harian
9 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Proposed Implementation
of Daily STL Policy
402 Laporan Tahunan 2023 | PT Pegadaian
Page 403
Tingkat kehadiran Direksi pada Rapat Direksi
Board of Directors' attendance level at the Meetings
Tanggal
No Agenda
Date Damar Elvi Ferdian Ridwan
Eka Udin Teguh E.R.A. Gunawan
Latri Rofiqotul Timur Arbian
Pebriansyah Salahudin* Wahyono Taufiq** Sulistyo
Setiawan Hidayah Satyagraha Syah***
Update Progress
Pengembangan Produk
February 7, pada Divisi Emas
10 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Product Development
Progress Update in the
Gold Division
Pengkinian Peraturan
Direksi Tentang Pedoman
Pengadaan Barang dan
Jasa dan Peraturan
Direksi Tentang Batas
Kewenangan Pengadaan
Barang dan Jasa
February 7, Update of Board of
11 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Directors'Regulations
Concerning Guidelines for
Procurement of Goods
and Services and Board
of Directors' Regulations
Concerning Limits of
Authority to Procure
Goods and Services
Update Progress BRILiaN
February 7, Ways Pegadaian
12 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 BRILlian Ways Pegadaian
Progress Update
Usulan Atas Perubahan
Anggaran Dasar
February 7, Pegadaian
13 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Suggestion for Changes
to the Articles of
Association of Pegadaian
February 7, Penurunan STL Emas
14 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Gold STL decline
Batas Kewenangan
Pengadaan Barang &
February 8,
15 Jasa ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
Limits of Authority to
Procure Goods & Services
Rencana Aksi Keuangan
Berkelanjutan PT
February 15,
16 Pegadaian ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
PT Pegadaian Sustainable
Finance Action Plan
February 15, Program Racing Reward
17 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Pencapaian KPI
Update Progres dan
February 21, Persetujuan Desain
18 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Backdrop Main Lobby
Pegadaian Tower
Sahabat UMKM
February 21,
19 Pegadaian & Pegadaian ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
Poin
Pembangunan Outlet
February 21, Senyum, SOP Gudang
20 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Terpadu & Kalsifikasi Unit
Kerja
Tindak Lanjut
February 21,
21 Rekomendasi Temuan ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
Bank Indonesia 2022
February 21, Penentuan Final
22 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Awarding PIA 2023
February 21, Struktur Organisasi
23 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Perusahaan RJPP
Fasilitas Kesehatan BOD
February 21, & BOC dan Fasilitas
24 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Kesehatan Purna Jabatan
Direksi
February 25, Perubahan Anggaran
25 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Dasar Pegadaian
PT Pegadaian | 2023 Annual Report 403
Page 404
Tata Kelola Perusahaan
Corporate Governance
Tingkat kehadiran Direksi pada Rapat Direksi
Board of Directors' attendance level at the Meetings
Tanggal
No Agenda
Date Damar Elvi Ferdian Ridwan
Eka Udin Teguh E.R.A. Gunawan
Latri Rofiqotul Timur Arbian
Pebriansyah Salahudin* Wahyono Taufiq** Sulistyo
Setiawan Hidayah Satyagraha Syah***
February 28, Road to HUT Pegadaian
26 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 122
Strategi Inorganic Growth
February 28,
27 melalui Project Blossom ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
Bersama BRI
Update TOR Perencanaan
28 March 7, 2023 Interior & Update back ✓ ✓ ✓ ✓ ✓ ✓ ✓
drop Main Lobby
Penentuan The Best
29 March 7, 2023 Inspiring Employee PEA ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
Kajian Bisnis dan
30 March 9, 2023 Operasional bersama ✓ ✓ ✓ ✓ ✓ ✓ ✓
PWC
Customer Rating Produk
31 March 9, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓
Rahn
Usulan Monetesasi BJDPL
32 March 9, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓
& STL Harian
March 14,
33 Update Project Blossom ✓ X ✓ X ✓ ✓ ✓
2023
March 14,
34 HUT Pegadaian ke 122 ✓ X ✓ X ✓ ✓ ✓
2023
Implementasi
March 14,
35 Pengurangan Bonus atas ✓ X ✓ X ✓ ✓ ✓
2023
Unit Kerja 2022
March 15,
36 Project Blossom ✓ X ✓ X ✓ ✓ ✓
2023
Persetujuan Pelaksanaan
March 21,
37 Tahap II Divestasi Anak ✓ X ✓ X ✓ ✓ ✓
2023
Perusahaan
Persetujuan Timeline dan
March 21,
38 pengiriman NBO project ✓ X ✓ X ✓ ✓ X
2023
Blossom
Pra RUPS Penetapan
March 21,
39 pengurus PT PIJ & PT ✓ X ✓ X ✓ ✓ X
2023
G24
Usulan Batasan /
Threshold atas Tindakan
Direksi PT Pegadaian
March 21,
40 Proposed Limits / ✓ X ✓ X ✓ ✓ X
2023
Thresholds on the
Actions of the Directors
of PT Pegadaian
Penghapusbukuan
Piutang Bisnis Tahun
March 21,
41 2023 ✓ X ✓ X ✓ ✓ X
2023
Write-off of Business
Receivables in 2023
Pemberian Tunjangan
PPh atas Kurang Bayar
SPT Tahunan kepada
Direksi, Komisaris,
mantan Direksi dan
mantan Komisaris PT
Pegadaian
March 21,
42 Providing Income ✓ X ✓ X ✓ ✓ X
2023
Tax Allowance for
Underpayment of Annual
Tax Returns to Directors,
Commissioners, former
Directors and former
Commissioners of PT
Pegadaian
Progress Problem Fixing
Scoring di Aplikasi Prime
March 28,
43 Progress Problem Fixing ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
Scoring in the Prime
Application
404 Laporan Tahunan 2023 | PT Pegadaian
Page 405
Tingkat kehadiran Direksi pada Rapat Direksi
Board of Directors' attendance level at the Meetings
Tanggal
No Agenda
Date Damar Elvi Ferdian Ridwan
Eka Udin Teguh E.R.A. Gunawan
Latri Rofiqotul Timur Arbian
Pebriansyah Salahudin* Wahyono Taufiq** Sulistyo
Setiawan Hidayah Satyagraha Syah***
Usulan Perubahan KPI
Unit Kerja pada Kantor
March 28, Wilayah
44 ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Proposed Changes
to Work Unit KPIs at
Regional Offices
KPI Direksi Individual
45 April 4, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓
Individual Director KPIs
1. Inhouse Training
"Advanced
Diamond
Identification"
2. Rasionalisasi STP
Berlian Bersertifikat
pada Cabang
Sentralisasi
Penerima BJ
Berlian
3. Buku "Gold Product
- a Compendium"
Sebagai Referensi
Penaksiran BJ
46 April 4, 2023 Emas Batangan ✓ ✓ ✓ ✓ ✓ ✓ ✓
1. In-house Training
"Advanced
Diamond
Identification"
2. Rationalization of
Certified Diamond
STPs at Centralized
BJ Diamond
Recipient Branches
3. The book "Gold
Product - a
Compendium" as
a reference for BJ
Gold Bar Appraisal
Placement TV
47 April 4, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓
TV Placements
Layanan QR Gade
48 April 4, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓
Gade QR Service
Update kasus kebayoran
dari hasil audit
49 April 4, 2023 Update on the kebayoran ✓ ✓ ✓ ✓ ✓ ✓ ✓
case from the audit
results
Penetapan Lokasi
Alternatif Kantor Pusat
50 April 11, 2023 Determination of ✓ ✓ ✓ ✓ ✓ ✓ ✓
Alternative Head Office
Locations
Strategi Peningkatan OSL
Gross Pada Momentum
Lebaran
51 April 11, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓
Strategy to Increase
Gross OSL in the Eid
Momentum
Kebijakan Override
52 April 17, 2023 Scoring ✓ ✓ ✓ ✓ ✓ ✓ ✓
Override Scoring Policy
Pengadaan Jasa
Konsultan Perencanaan
Interior Pegadaian Tower
53 April 17, 2023 Procurement of ✓ ✓ ✓ ✓ ✓ ✓ ✓
Pegadaian Tower Interior
Planning Consultant
Services
Penerbitan Obligasi
Berkelanjutan V Tahap III
dan Sukuk Mudharabah
Berkelanjutan II Tahap III
Tahun 2023
54 April 17, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓
Issuance of Sustainable
Bonds V Phase III and
Sustainable Sukuk
Mudharabah II Phase III
in 2023
PT Pegadaian | 2023 Annual Report 405
Page 406
Tata Kelola Perusahaan
Corporate Governance
Tingkat kehadiran Direksi pada Rapat Direksi
Board of Directors' attendance level at the Meetings
Tanggal
No Agenda
Date Damar Elvi Ferdian Ridwan
Eka Udin Teguh E.R.A. Gunawan
Latri Rofiqotul Timur Arbian
Pebriansyah Salahudin* Wahyono Taufiq** Sulistyo
Setiawan Hidayah Satyagraha Syah***
Optimalisasi Aset Anak
Perusahaan PT Pegadaian
55 April 27, 2023 Optimization of PT ✓ ✓ ✓ ✓ ✓ ✓ ✓
Pegadaian Subsidiary
Assets
Pricing Book Building
Obligasi Berkelanjutan V
dan Sukuk Mudharabah
Berkelanjutan II Tahap 3
Tahun 2023
56 May 2, 2023 ✓ ✓ ✓ X ✓ ✓ ✓
Pricing Book Building
Sustainable Bonds V
and Sustainable Sukuk
Mudharabah II Phase 3
2023
Persiapan Dinner Meeting
57 May 2, 2023 dan Persiapan Diskusi ✓ ✓ ✓ X ✓ ✓ ✓
Q&A Project Maverick
STP Berlian Pada Cabang
58 May 4, 2023 ✓ ✓ ✓ X ✓ ✓ ✓
Sentralisasi BJ Berlian
Pengembangan Fitur
59 May 4, 2023 ✓ ✓ ✓ X ✓ ✓ ✓
KCA Flexi 180 hari
Strategi Kinerja & Strategi
60 May 4, 2023 ✓ ✓ ✓ X ✓ ✓ ✓
Picing Produk Mulia2023
Usulan Pengakhiran
Perjanjian Usaha
61 May 9, 2023 ✓ ✓ ✓ X ✓ ✓ ✓
Patungan (JVA) PT
Pefindo Biro Kredit
Usulan Pedoman
62 May 9, 2023 Pengendalian Produk ✓ ✓ ✓ X ✓ ✓ ✓
Non Gadai
Update Draft SPA (Sales
63 May 12, 2023 ✓ ✓ ✓ X ✓ ✓ ✓
& Purchase Agreement)
64 May 12, 2023 Final Steerco RJPP ✓ ✓ ✓ X ✓ ✓ ✓
Valuasi Aktuaria Dana
65 May 16, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓
Pensiun
Pengunduran Diri
66 May 16, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓
Pengawas YKP Permata
Penentuan Hasil
67 May 16, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓
Presentasi Desain Interior
Perubahan Peraturan
68 May 16, 2023 Direksi Nomor 85 Tahun ✓ ✓ ✓ ✓ ✓ ✓ ✓
2021
69 May 16, 2023 Update Penyaluran TJSL ✓ ✓ ✓ ✓ ✓ ✓ ✓
1. Tahapan dan timeline
pelaksanaan fase II
project Blossom melalui
akuisisi Perusahaan
70 May 17, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓
Maverick;
2. Pengiriman /
penyampaian Binding
Offer kepada Seller
Draf SPA Bersama
71 May 19, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓
Konsultan PwC & AHP
Update Draft Sales
72 May 20, 2023 Purchase Agreement ✓ ✓ ✓ ✓ ✓ ✓ ✓
Project Blossom
Penetapan Final Kupon
Obligasi Berkelanjutan
V Tahap III dan
73 May 23, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓
Sukuk Mudharabah
Berkelanjutan II Tahap III
Tahun 2023
74 May 23, 2023 Customer Rating KCA ✓ ✓ ✓ ✓ ✓ ✓ ✓
406 Laporan Tahunan 2023 | PT Pegadaian
Page 407
Tingkat kehadiran Direksi pada Rapat Direksi
Board of Directors' attendance level at the Meetings
Tanggal
No Agenda
Date Damar Elvi Ferdian Ridwan
Eka Udin Teguh E.R.A. Gunawan
Latri Rofiqotul Timur Arbian
Pebriansyah Salahudin* Wahyono Taufiq** Sulistyo
Setiawan Hidayah Satyagraha Syah***
Penentuan Valuasi dan
Struktur Kepemilikan
75 May 24, 2023 Maverick terkait ✓ ✓ ✓ ✓ ✓ ✓ ✓
Pelaksanaan Project
Blossom
Penawaran Arum Haji
76 May 29, 2023 Khusus Karyawan/ti BRI ✓ ✓ ✓ ✓ ✓ ✓ ✓
Grup
77 May 29, 2023 Gadai Peduli 9 ✓ ✓ ✓ ✓ ✓ ✓ ✓
Laporan Progres
Pegadaian Tower
78 May 29, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓
Pawnshop Tower
Progress Report
Progress dan Tindak
Lanjut Implementasi
Bullion Services
79 June 6, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓
Progress and Follow-up
Implementation of Bullion
Services
Pra-RUPS Tahunan
Perusahaan Anak Tahun
Buku 2022 & Update
RUPS Tahunan PT PBK
Tahun Buku 2022
80 June 13, 2023 Pre-Annual GMS of ✓ ✓ ✓ ✓ ✓ ✓ ✓
Subsidiary Companies
for Fiscal Year 2022 &
Update on PT PBK's
Annual GMS for Fiscal
Year 2022
Perubahan Struktur
Organisasi Tata Kerja
(SOTK) 14 (empat belas)
Divisi Kantor Pusat PT
Pegadaian
81 June 13, 2023 Changes in the ✓ ✓ ✓ ✓ ✓ ✓ ✓
Organizational Structure
of Work Procedures
(SOTK) for 14 (fourteen)
PT Pegadaian Head
Office Divisions
Pembahasan Masukan
Hasil Rakernas Serikat
Pekerja Tahun 2023
82 June 13, 2023 Discussion of Input to ✓ ✓ ✓ ✓ ✓ ✓ ✓
the Results of the 2023
National Worker Union
Working Meeting
Standardisasi Outlet
tahun 2023
83 June 13, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓
Outlet Standardization
in 2023
Perubahan Struktur
Organisasi Korporasi,
Pembagian Tugas dan
Penggantian Sementara
Board Of Management
84 June 27, 2023 Changes in Corporate ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Organizational Structure,
Division of Duties and
Temporary Replacement
of the Board of
Management
Update Market dan
Persetujuan Penerbitan
85 July 11, 2023 Obligasi ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Market Update and Bond
Issuance Approval
Penyelarasan dan
Peningkatan Tata Kelola
Kebijakan Perusahaan
86 July 11, 2023 Alignment and ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Improvement of
Corporate Policy
Governance
PT Pegadaian | 2023 Annual Report 407
Page 408
Tata Kelola Perusahaan
Corporate Governance
Tingkat kehadiran Direksi pada Rapat Direksi
Board of Directors' attendance level at the Meetings
Tanggal
No Agenda
Date Damar Elvi Ferdian Ridwan
Eka Udin Teguh E.R.A. Gunawan
Latri Rofiqotul Timur Arbian
Pebriansyah Salahudin* Wahyono Taufiq** Sulistyo
Setiawan Hidayah Satyagraha Syah***
Usulan Penerbitan
Range Kupon Book
Building Obligasi
Berkelanjutan V Tahap IV
dan Sukuk Mudharabah
Berkelanjutan II Tahap IV
Tahun 2023
87 July 14, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Proposed Issuance of the
Book Building Coupon
Range for Sustainable
Bonds V Phase IV and
Sustainable Sukuk
Mudharabah II Phase IV
in 2023
Pendapat Hukum
Terhadap Rencana
Aksi Korporasi
dalam Transaksi
Pengambilalihan
Terhadap Perusahaan
Terbuka Oleh Prof. Dr.
88 July 18, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Ningrum Natasya Sirait
Legal Opinion on
Corporate Action Plans
in Takeover Transactions
of Public Companies by
Prof. Dr. Ningrum Natasya
Sirait
Pegadaian Sport and Art
Fest 2023
89 July 18, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Pegadaian Sport and Art
Fest 2023
Pengkinian Pedoman
Fasilitas Operasional
BOD/BOC
90 July 18, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Updated BOD/BOC
Operational Facility
Guidelines
PDS (Pegadaian Digital
Service) 2.0
91 July 25, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
PDS (Pawnshop Digital
Service) 2.0
Arrum Haji Plus dan
Akselerasi Amanah
92 July 25, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Arrum Haji Plus and
Amanah Acceleration
Update Program dan
Kegiatan TJSL
93 July 25, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Update on TJSL
Programs and Activities
Update Strategi Inorganic
Growth 2023
94 July 25, 2023 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Inorganic Growth
Strategy Update
Pentapan Final Kupon
August 2,
95 Final Coupon ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
Determination
August 2, Talent Management
96 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Talent Management
August 2, Update Prores Gerakan
97 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Gaspol
August 2, Update Pegadaian Fest
98 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 2023
August 8, Kenaikan Penghasilan
99 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Tahun 2023
Perubahan Pedoman
August 8,
100 Implementasi PMS Unit ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
Kerja
Pengkinian Pedoman
August 8, Penerapan Program Anti
101 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Pencucian Uang dan
Pendanaan Terorisme
408 Laporan Tahunan 2023 | PT Pegadaian
Page 409
Tingkat kehadiran Direksi pada Rapat Direksi
Board of Directors' attendance level at the Meetings
Tanggal
No Agenda
Date Damar Elvi Ferdian Ridwan
Eka Udin Teguh E.R.A. Gunawan
Latri Rofiqotul Timur Arbian
Pebriansyah Salahudin* Wahyono Taufiq** Sulistyo
Setiawan Hidayah Satyagraha Syah***
1. Kajian Screening Calon
Target Inorganic Growth
August 15, 2.0 (Bpk Suwandi)
102 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 2. Kajian Screening
Multifinance Sector
(BRIDS)
August 15,
103 Usulan RKAP 2024 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
August 22, Kebijakan Umum
104 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Operasional dan Produk
Update Progress
August 22, Pembangunan dan
105 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Pengembangan Potensi
Vault PT Pegadaian
August 22, Persetujuan Sponsorsip
106 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Pegadaian Liga 2
August 22, Penyesuaian Struktur
107 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Penggolongan Jabatan
August 22, Pegadaian Sebagai
108 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Kustodian Crypto GIDR
Update Penyelesaian
August 29, Kewaiban PT WIKR atas
109 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Transaksi Pembelian 9
Hotel Eks Pesonna
Permohonan Perubahan
August 29,
110 Perdir PPBJ dan Batas ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
Kewenangan PPBJ
Usulan Penghapusbukuan
August 29,
111 Piutang Bisnis Tahap II ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
Tahun 2022
August 29,
112 Retret BOD & BOC ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
August 29,
113 Logo Pegadaian Liga 2 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
September 5, Kajian Anorganic dengan
114 ✓ ✓ ✓ X ✓ ✓ ✓ ✓
2023 BRIDS
September 5, Perubahan Peraturan
115 ✓ ✓ ✓ X ✓ ✓ ✓ ✓
2023 Dana Pensiun
Penetapan Upah
Pengurus Dapen Tahun
2023 dan Penyesuaian
September 5,
116 Kebijakan Remunerasi ✓ ✓ ✓ X ✓ ✓ ✓ ✓
2023
Penugasan di Anak
Perusahaan dan Badan
Hukum Terafiliasi
September 12, Uji Sistem Terbatas
117 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Tabungan Emas Rencana
September 12, Amanah Reborn &
118 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Penyaluran KUR Syariah
Update Perpanjangan
September 12,
119 PKB ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
PKB Extension Update
September 12, Tindak Lanjut Karyawan
120 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 PKWT (Kantor Wilayah)
Pengkinian Perdir Komite
Investasi & Belanja Modal
September 12,
121 Update on Investment ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
& Capital Expenditure
Committee Regulations
Update Tower & Design
September 19, Interior Tower
122 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Tower Update & Tower
Interior Design
PT Pegadaian | 2023 Annual Report 409
Page 410
Tata Kelola Perusahaan
Corporate Governance
Tingkat kehadiran Direksi pada Rapat Direksi
Board of Directors' attendance level at the Meetings
Tanggal
No Agenda
Date Damar Elvi Ferdian Ridwan
Eka Udin Teguh E.R.A. Gunawan
Latri Rofiqotul Timur Arbian
Pebriansyah Salahudin* Wahyono Taufiq** Sulistyo
Setiawan Hidayah Satyagraha Syah***
Pembahasan Materi CGPI
September 19,
123 Discussion of CGPI ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
Material
1. Update Laporan
Bulanan terkait Fraud
2. Update terkait Digital
September 19, Lending
124 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 1. Update Monthly
Reports related to Fraud
2. Updates related to
Digital Lending
Update Progres Penataan
Perusahaan Anak
September 19,
125 Update on the Progress ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
of Subsidiary Company
Arrangement
Pengkinian Peraturan
Direksi Pedoman
Business Continuity
Management System
September (BCMS)
126 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
26, 2023 Update on Board of
Directors Regulations
Business Continuity
Management System
(BCMS) Guidelines
Perubahan SOTK PT
Pesonna Indonesia Jaya
September
127 Changes to the SOTK of ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
26, 2023
PT Pesonna Indonesia
Jaya
Gruping Mapping
October 3, Nasabah Aktif Tahunan
128 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Annual Active Customer
Grouping Mapping
Persetujuan Kandidat
Calon Komisaris
Independen dan Anggota
Direksi PT Pesonna
Indonesia Jaya (PIJ)
October 4,
129 Approval of Candidates ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
for Independent
Commissioners and
Members of the Board of
Directors of PT Pesonna
Indonesia Jaya (PIJ)
Usulan Materi
Perundingan PKB dari
October 6, Serikat Pekerja
130 ✓ ✓ ✓ ✓ ✓ ✓ ✓ X
2023 Proposed PKB
Negotiation Materials
from the Labor Union
Laporan Sponsorship
October 6, Liga 2
131 ✓ ✓ ✓ ✓ ✓ ✓ ✓ X
2023 League 2 Sponsorship
Report
Rakernas 2023
October 11,
132 National Working ✓ ✓ ✓ X ✓ X ✓ ✓
2023
Meeting 2023
Desain Kalender dan
October 11, Buku Agenda Tahun 2024
133 ✓ ✓ ✓ X ✓ X ✓ ✓
2023 2024 Calendar and
Agenda Book Design
Kajian Analisis Emas,
Makro Ekonomi &
October 13, Formulasi STL Harian
134 ✓ ✓ ✓ ✓ ✓ X ✓ ✓
2023 Study of Gold Analysis,
Macroeconomics & Daily
STL Formulation
Usulan Perubahan
Struktur Organisasi
Korporasi PT Pegadaian
Galeri Dua Empat
October 17,
135 Proposed Changes ✓ ✓ ✓ ✓ ✓ X ✓ ✓
2023
to the Corporate
Organizational Structure
of PT Pegadaian Galeri
Dua Empat
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Tingkat kehadiran Direksi pada Rapat Direksi
Board of Directors' attendance level at the Meetings
Tanggal
No Agenda
Date Damar Elvi Ferdian Ridwan
Eka Udin Teguh E.R.A. Gunawan
Latri Rofiqotul Timur Arbian
Pebriansyah Salahudin* Wahyono Taufiq** Sulistyo
Setiawan Hidayah Satyagraha Syah***
Laporan Perundingan
Pertama PKB Periode
October 19, 2023 - 2025
136 ✓ ✓ ✓ ✓ ✓ X ✓ ✓
2023 PKB First Negotiation
Report for the Period
2023 - 2025
Pengadaan Bundling
Paket Data Seluler untuk
Project Cash In Cash Out
October 24, (CICO)
137 X X ✓ ✓ ✓ ✓ ✓ ✓
2023 Procurement of Cellular
Data Package Bundling
for the Cash In Cash Out
(CICO) Project
Update Harga Emas dan
Monev STL Harian
October 24,
138 Daily Gold Price Updates X X ✓ ✓ ✓ ✓ ✓ ✓
2023
and STL Monitoring and
Evaluation
Perubahan Jam Kerja
November 1,
139 Changes in Working ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
Hours
Tindak Lanjut Karyawan
November 1, PKWT
140 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 PKWT Employee Follow-
up
Tema, Konsep Desain
November 1, Annual Report dan
141 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Sustainability Report
2023
November 7, Kebijakan Umum dan
142 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Operasional Produk
Modernisasi Perangkat
November 7,
143 Server dan Storage Core ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
MIS
November 11, Update Harga Emas dan
144 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Monev STL Harian
November 14,
145 Remodeling CKPN ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
Penanganan Keluhan
November 20, Nasabah a.n Asima S
146 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Karolina Pakpahan dan
Puji Rahayu
Pra-Rups Perubahan
Nomenklatur Jabatan,
Pengalihan Tugas, dan
November 23, Pengangkatan Anggota
147 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023 Dewan Komisaris dan
Anggota Direksi PT
Pesonna Indonesia Jaya
(“PIJ”)
Rencana Aksi Keuangan
November 21,
148 Berkelanjutan PT ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
Pegadaian
Pedoman Penyelesaian
November 21,
149 Pinjaman Pegadaian KCA ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2023
Jatuh Tempo
December 15, Desain Penyusunan
150 ✓ ✓ X X ✓ ✓ ✓ ✓
2023 Culture House Strategy
December 15, Laporan Revisi Desain
151 ✓ ✓ X X ✓ ✓ ✓ ✓
2023 Interior Pegadaian Tower
December 19, Usulan KPI Kolegial Tahun
152 ✓ ✓ X X ✓ ✓ ✓ ✓
2023 2024
1. Persiapan PT PIJ untuk
mengelola The Gade
December 19, Tower
153 ✓ ✓ X X ✓ ✓ ✓ ✓
2023 2. Pricing Structure
& Service Travel
Management 2023
December 19, Integrated Human Capital
154 ✓ X ✓ ✓ X ✓ ✓ ✓
2023 Management
PT Pegadaian | 2023 Annual Report 411
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Tata Kelola Perusahaan
Corporate Governance
Tingkat Kehadiran Direksi dalam Rapat Internal dan Rapat bersama Dewan Komisaris
Level of Attendance of the Board of Directors at Internal Meetings and Meetings with the Board of Commissioners
Rapat Direksi Bersama Dewan
Jumlah Rapat Direksi
Komisaris
Number and (%) Attendance
Number and (%) Attendance
Jumlah dan (%) Kehadiran Jumlah dan (%) Kehadiran
Nama Jabatan
Name Position Jumlah Jumlah
Wajib Jumlah Wajib Jumlah
Rapat Kehadiran Rapat Kehadiran
% %
Total Total Total Total
Mandatory Attendance Mandatory Attendance
Meetings Meetings
Damar Latri Direktur Utama
12 12 100 154 152 99
Setiawan President Director
Direktur Teknologi
Teguh Wahyono Informasi dan Digital
Director of Information
12 12 100 154 149 97
Technology and Digital
Direktur Umum
Gunawan Sulistyo Director of General 12 12 100 154 152 99
Affairs
Direktur Keuangan dan
Ferdian Timur Perencanaan Strategis
Satyagraha Director of Finance and
12 12 100 154 126 82
Strategic Planning
Direktur Jaringan,
Operasi, dan Penjualan
Eka Pebriansyah 12 12 100 154 150 97
Director of Network,
Operations and Sales
Direktur Pemasaran dan
Pengembangan Produk
Elvi Rofiqotul Director of Marketing
Hidayah
12 11 92 154 141 92
and Product
Development
Direktur Human Capital
E.R.A. Taufiq** Director of Human 7 7 100 71 71 100
Capital
Direktur Manajemen
Risiko, Legal, dan
Kepatuhan
Udin Salahudin* Director of Risk 7 7 100 71 70 99
Management, Legal and
Compliance
Direktur Human Capital,
Legal, dan Compliance
Ridwan Arbian 94
Director of Human 5 5 100 83 78
Syah***
Capital, Legal and
Compliance
Keterangan:
*Bapak Udin Salahudin diangkat sebagai Manajemen Risiko, Legal, dan Kepatuhan pada 23 Juni 2023
**Bapak E.R.A. Taufiq diangkat sebagai Direktur Human Capital pada 23 Juni 2023
***Bapak Ridwan Arbian Syah diberhentikan secara hormat pada tanggal 23 Juni 2023
Note:
*Udin Salahudin was appointed as Director of Risk Management, Legal and Compliance on June 23, 2023
**E.R.A. Taufiq was appointed as Director of Human Capital on June 23, 2023
***Ridwan Arbian Syah was honorably dismissed on June 23, 2023
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Kehadiran Dewan Komisaris Attendance of the Board of
dan Direksi dalam Rapat Umum Commissioners and the Board of
Pemegang Saham Directors at the General Meeting of
Shareholders
Di sepanjang tahun 2023, Perseroan menyelenggarakan Throughout 2023, the Company held 2 (two) GMS,
2 (dua) kali RUPS, yaitu RUPS RKAP dan RUPS namely the GMS for RKAP and GMS for Annual Report
Pengesahan Laporan Tahunan untuk Tahun Buku 2022. Ratification for the 2022 Financial Year. The following
Berikut disampaikan kehadiran Dewan Komisaris dan is the presence of the Board of Commissioners and the
Direksi dalam RUPS tersebut. Board of Directors at the GMS.
Kehadiran Dewan Komisaris dan Direksi pada
Dewan Komisaris dan Direksi Attendance of the Board of Commissioners and Board of Directors
Board of Commissioners and
Board of Directors RUPS RKAP RUPS Audited TB 2022
GMS for RKAP GMS for Audited 2022 Annual Report
Dewan Komisaris
Board of Commissioners
Loto Srinaita Ginting v v
Umiyatun Hayati Triastuti v v
Sudarto v v
Rini Widyantini v v
Makmur Keliat v v
Nezar Patria v v
Yudi Priambodo P. v v
Muhammad Isnaini* -- --
Direksi
Board of Directors
Damar Latri Setiawan v v
Teguh Wahyono v v
Gunawan Sulistyo v v
Ferdian Timur Satyagraha v v
Eka Pebriansyah v v
Elvi Rofiqotul Hidayah v v
Udin Salahudin v v
E.R.A. Taufiq v v
*Diangkat sebagai Komisaris Independen pada tanggal 11 Oktober 2023
*Appointed as Independent Commissioner on October 11, 2023
Dasar Kebijakan Suksesi Dewan Basic Succession Policy for the Board
Komisaris dan Direksi of Commissioners and the Board of
Directors
Perencanaan suksesi Direksi dilakukan oleh Succession planning for the Board of Directors is
Komite Nominasi dan Remunerasi dengan carried out by the Nomination and Remuneration
tujuan mempersiapkan regenerasi dan menjaga Committee with the aim of preparing for regeneration
kesinambungan kepemimpinan di masa mendatang. and maintaining continuity of leadership in the future.
Sebagai bagian dari Holding BUMN Ultra Mikro As part of the Ultra Micro SOEs Holding as well as an
sekaligus sebagai emiten yang tercatat di Bursa issuer listed on the Indonesia Stock Exchange, the
Efek Indonesia, kebijakan dasar terkait pergantian basic policy regarding the replacement and succession
dan suksesi Dewan Komisaris dan Direksi di lingkup of the Board of Commissioners and Board of Directors
Perusahaan mengacu pada beberapa peraturan within the Company refers to several basic regulations,
mendasar, yaitu: namely:
1. Undang-Undang No. 40 Tahun 2007 tentang 1. Law No. 40 of 2007 concerning Limited Liability
Perseroan Terbatas. Companies.
PT Pegadaian | 2023 Annual Report 413
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Tata Kelola Perusahaan
Corporate Governance
2. Peraturan OJK No. 33/POJK.04/2014 tentang 2. OJK Regulation No. 33/POJK.04/2014 concerning
Direksi dan Dewan Komisaris Emiten atau Board of Directors and Board of Commissioners of
Perusahaan Publik. Issuers or Public Companies.
3. Peraturan Menteri BUMN No. PER-04/ 3. Regulation of Minister of SOEs No. PER-10/
MBU/06/2020 tentang Perubahan atas Peraturan MBU/10/2020 concerning Amendments to
Menteri BUMN No. PER-03/MBU/2012tentang the Regulation of Minister of SOEs No. PER-
Persyaratan, Tata Cara Pengangkatan, dan 02/MBU/02/2015 concerning Requirements,
Pemberhentian Anggota Dewan Komisaris dan Procedures for Appointment and Dismissal of
Dewan Pengawas BUMN. Members of the Board of Commissioners and
Supervisory Board of SOEs.
4. Peraturan Menteri BUMN No. PER-11/MBU/07/2021 4. Regulation of Minister of SOEs No. PER-11/
tentang Persyaratan, Tata Cara Pengangkatan, dan MBU/07/2021 concerning Requirements,
Pemberhentian Anggota Direksi BUMN. Procedures for Appointment and Dismissal of
Members of the Board of Directors of SOEs.
5. Peraturan OJK No. 27/POJK.03/2016 tentang Uji 5. OJK Regulation No. 27/POJK.03/2016 concerning
Kemampuan dan Kepatutan (fit and proper test) fit and proper tests for Main Parties of Financial
bagi Pihak Utama Lembaga Jasa Keuangan. Services Institutions.
Peraturan Menteri BUMN di atas memberikan metode Regulation of Minister of SOEs above provides a
tentang talent pool tentang pengelolaan manajemen method on the talent pool concerning the management
korporasi BUMN oleh Kementerian BUMN selaku entitas of SOEs corporate management by the Ministry of
pemilik akhir Pegadaian. Sedangkan Peraturan OJK SOEs as the ultimate owner entity of Pegadaian. While
No. 27/POJK.03/2016 mengatur persyaratan bahwa OJK Regulation No. 27/POJK.03/2016 stipulates the
calon anggota Dewan Komisaris dan Direksi wajib lulus requirement that prospective members of the Board
fit and proper test dan memperoleh persetujuan dari of Commissioners and Board of Directors must pass
Otoritas Jasa Keuangan (OJK) sebelum menjalankan a fit and proper test and obtain approval from the
tugas dan fungsi dalam jabatannya. Financial Services Authority (FSA) before carrying out
their duties and functions in their positions.
Talent Pool dan Mekanisme Talent Pool and Appointment
Pengangkatan Dewan Komisaris dan Mechanism for the Board of
Direksi Commissioners and the Board of
Directors
Sumber bakal calon Dewan Komisaris dan Direksi Sources of prospective candidates for the Board of
dapat berasal dari: Commissioners and Board of Directors can come from:
1. Direksi BUMN 1. SOEs’ Board of Directors
2. Dewan Komisaris/Dewan Pengawas BUMN 2. SOEs’ Board of Commissioners/Supervisory Board
3. Talenta BUMN yang terdiri atas: 3. SOEs’ Talent consisting of:
a. Pejabat 1 (satu) tingkat di bawah Direksi atau a. Officials at 1 (one) level below the Board of
pejabat yang mempunyai prestasi istimewa Directors or officials with special achievements
b. Direksi anak usaha dari BUMN/perusahaan b. Board of Directors of a subsidiary of a SOEs/
patungan BUMN SOEs’ joint venture company
4. Talenta Kementerian BUMN 4. Talent of the Ministry of SOEs
5. Sumber lain yang terdiri dari: 5. Other sources consisting of:
a. Pejabat BUMN lain a. Other SOEs officials
b. Sumber lainnya b. Other sources
6. Bagi calon Direksi, sumber bakal calon dapat 6. For candidates for the Board of Directors, the
diambil dari internal Perusahaan. Berikut source of potential candidates can be taken from
disampaikan bagan pengusulan hingga penetapan within the Company.
Dewan Komisaris dan Direksi.
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Governansi Remunerasi Dewan
Komisaris dan Direksi
Remuneration Governance of the Board of Commissioners
and the Board of Directors
Prosedur Pengusulan hingga Suggestion Procedure Up to
Penetapan Remunerasi Dewan Determination of Remuneration for
Komisaris dan Direksi the Board of Commissioners and the
Board of Directors
Remunerasi merupakan imbal jasa yang diberikan Remuneration is a fee for services provided by the
Perseroan kepada Dewan Komisaris dan Direksi Company to the Board of Commissioners and Board
atas kinerja yang telah ditunjukkan. Dasar hukum of Directors for the performance that has been shown.
remunerasi bagi Dewan Komisaris dan Direksi adalah The legal basis for remuneration for the Board of
Undang-Undang No. 40 tahun 2007 tentang Perseroan Commissioners and Board of Directors is Law No. 40
Terbatas, dan Peraturan Menteri BUMN No. PER-12/ of 2007 concerning Limited Liability Companies, and
MBU/11/2020 tanggal 25 November 2020 tentang Minister of SOEs’ Regulation No. PER-12/MBU/11/2020
Perubahan Kelima atas Peraturan Menteri BUMN No. dated November 25, 2020 concerning the Fifth
PER-04/MBU/2014 tentang Pedoman Penetapan Amendment to the Regulation of Minister of SOEs
Penghasilan Direksi, Dewan Komisaris dan Dewan No. PER-04/MBU/2014 concerning Guidelines for
Pengawas Badan Usaha Milik Negara, di mana besaran Determining the Income of Board of Directors, Board of
gaji/honorarium dan tantiem Dewan Komisaris dan Commissioners and Board of Trustees of State-Owned
Direksi ditetapkan melalui keputusan RUPS. Enterprises, in which the amount of salary/honorarium
and tantiem for the Board of Commissioners and Board
of Directors is determined through a GMS resolution.
Adapun prosedur penetapan remunerasi bagi Dewan The procedure for determining remuneration for the
Komisaris dan Direksi, sebagai berikut: Board of Commissioners and Board of Directors can
be seen in the chart below.
Prosedur Penetapan Remunerasi Dewan Komisaris dan Direksi
Procedures for Determining Remuneration for the Board of Commissioners and the Board of Directors
Direksi Dewan Komisaris RUPS
Board of Directors Board of Commissioners GMS
1. Melakukan kajian terhadap KPI Perseroan. 1. Dewan Komisaris bersama 1. Mempelajari usulan remunerasi yang
2. Mengusulkan remunerasi kepada dengan Komite Nominasi diajukan oleh Dewan Komisaris.
Dewan Komisaris melalui Surat dan Remunerasi melakukan 2. Memberikan persetujuan remunerasi
Direksi kepada Dewan Komisaris kajian atas remunerasi yang kepada Dewan Komisaris dan Direksi
No. 305/00013/00/2022 tentang diajukan oleh Direksi. melalui Surat No. SR-29/Wk2.
Permohonan Penetapan Remunerasi 2. Mengusulkan remunerasi MBU.A/08/2022 perihal Penetapan
(Gaji/Honorarium, Fasilitas dan kepada pemegang saham Penghasilan Direksi dan Dewan
Tunjangan) untuk Tahun 2023 dan melalui Surat Dewan Komisaris PT Pegadaian Tahun 2023
Tantiem Tahun Buku 2022 bagi Direksi Komisaris. tanggal 31 Agustus 2022
dan Dewan Komisaris PT Pegadaian 1. The Board of 1. Study the remuneration suggestions
tanggal 31 Maret 2022. Commissioners together submitted by the Board of
1. Reviewing the Company's KPI with the Nomination and Commissioners
2. Propose remuneration to the Board Remuneration Committee 2. Provide approval for remuneration to
of Commissioners through Directors reviews the remuneration the Board of Commissioners and Board
Letter to the Board of Commissioners proposed by the Board of of Directors through Letter No. SR-29/
No. 305/00013/00/2022 concerning Directors Wk2. MBU.A/08/2022 concerning
Requests for Determination of 2. Propose remuneration Determination of the Income of the
Remuneration (Salary/Honorarium, to shareholders through Board of Directors and Board of
Facilities and Allowances) for 2022 and a Letter of the Board of Commissioners of PT Pegadaian for
Tantiem for Fiscal Year 2021 for Directors Commissioners 2022 dated August 31, 2022
and Board of Commissioners of PT
Pegadaian dated March 31, 2022
PT Pegadaian | 2023 Annual Report 415
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Tata Kelola Perusahaan
Corporate Governance
Struktur Remunerasi Remuneration Structure for the Board
Dewan Komisaris dan Direksi of Commissioners and the Board of
Directors
Struktur remunerasi Dewan Komisaris dan Direksi The remuneration structure for the Board of
mengacu kepada Peraturan Menteri BUMN No. PER- Commissioners and Board of Directors refers to the
13/MBU/09/2021 tanggal 24 September 2021 tentang Minister of BUMN Regulation No. PER-13/MBU/09/2021
Perubahan Keenam atas Peraturan Menteri BUMN dated 24 September 2021 concerning the Sixth
No. PER-04/MBU/2014 tentang Pedoman Penetapan Amendment to the Minister of BUMN Regulation
Penghasilan Direksi, Dewan Komisaris, dan Dewan No. PER-04/MBU/2014 concerning Guidelines for
Pengawas BUMN. Berdasarkan peraturan tersebut, Determining the Income of the Board of Directors,
komponen penghasilan Dewan Komisaris terdiri dari: Board of Commissioners and Supervisory Board of
SOEs. Based on these regulations, the components of
the Board of Commissioners’ income consist of:
1. Remunerasi Dewan Komisaris 1. Remuneration for the Board of Commissioners
a. Honorarium. a. Honorarium.
b. Tunjangan. b. Benefits.
c. Fasilitas. c. Facility.
d. Tantiem/Insentif Kinerja. d. Tantiem/Performance Incentives.
e. Pajak atas Honorarium, Tunjangan dan Fasilitas e. Taxes on Honorarium, Benefits and Facilities
bagi Dewan Komisaris ditanggung dan menjadi for the Board of Commissioners are borne
beban Perseroan. Sedangkan pajak atas and become the burden of the Company.
Tantiem/ lnsentif Kinerja bagi Dewan Komisaris Meanwhile, taxes on Tantiem/Performance
ditanggung dan menjadi beban masing-masing Incentives for the Board of Commissioners are
anggota Dewan Komisaris. borne and become the burden of each member
of the Board of Commissioners.
2. Remunerasi Direksi 2. Remuneration for the Board of Directors
a. Gaji. a. Salary.
b. Tunjangan. b. Benefits.
c. Fasilitas. c. Facility.
d. Tantiem/Insentif Kinerja. d. Tantiem/Performance Incentives.
e. Pajak atas Gaji, Tunjangan dan Fasilitas e. Taxes on Salary, Benefits and Facilities for the
bagi Direksi ditanggung dan menjadi beban Board of Directors are borne and become the
Perseroan. Sedangkan pajak atas Tantiem/ burden of the Company. Meanwhile, taxes on
lnsentif Kinerja bagi Direksi ditanggung dan Tantiem/Performance Incentives for the Board
menjadi beban masing-masing Direksi. of Directors are borne and become the burden
of each member of the Board of Directors.
Adapun struktur remunerasi dan komponennya bagi Remuneration structure and component of the Board
Dewan Komisaris dan Direksi dapat disampaikan of Commissioners and Board of Directors can be
sebagai berikut: presented as follows:
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Struktur Remunerasi Dewan Komisaris dan Direksi
(Sesuai Peraturan Menteri BUMN No. PER-13/MBU/09/2021)
Remuneration Structure for the Board of Commissioners and Board of Directors
(According to Minister of SOEs’ Regulation No. PER-13/MBU/09/2021)
Struktur Remunerasi Dewan Komisaris
Struktur Remunerasi Direksi
Remuneration Structure for the Board of
Remuneration Structure for the Board of Directors
Commissioners
Honorarium Dewan Komisaris Gaji Direksi
1. Penghasilan berupa uang atau yang Penghasilan tetap berupa uang yang diterima setiap bulan karena
dapat dinilai dengan uang yang diterima kedudukannya sebagai anggota Direksi, dengan besarannya ditetapkan
pada waktu tertentu oleh anggota Dewan dalam RUPS. Ketentuan gaji Direksi adalah sebagai berikut:
Komisaris selain Honorarium, yang dapat 1. Gaji Direktur Utama ditetapkan dengan menggunakan pedoman internal
berupa: yang ditetapkan oleh Menteri BUMN;
a. Tunjangan Hari Raya, sebesar 1 (satu) 2. Gaji anggota Direksi lainnya ditetapkan dengan komposisi:
kali honorarium; a. Gaji Wakil Direktur Utama sebesar 95%;
b. Tunjangan Transportasi, sebesar 20% b. Gaji Direktur yang membidangi Sumber Daya Manusia sebesar 90%,
dari honorarium per bulan; dan Anggota Direksi lainnya sebesar 85% dari gaji Direktur Utama.
c. Asuransi Purna Jabatan, dengan 3. RUPS/Menteri dapat menetapkan besaran Faktor Jabatan yang berbeda
perhitungan premi yang ditanggung dengan ketentuan, apabila dipandang lebih dapat merefleksikan
oleh Perseroan sebesar 25% dari kepantasan dan kewajaran dalam pelaksanaan tugas dan tanggung jawab
honorarium 1 (satu) tahun. masing-masing anggota Direksi serta kemampuan perusahaan;
4. Bagi BUMN Induk (Holding), Gaji Direktur Pelaksana dihitung
Honorarium Dewan Komisaris menggunakan pendekatan perhitungan berdasarkan angka sebelum
1. Honorarium for the Board of konsolidasi setara Direktur Utama;
Commissioners 5. Besarnya Gaji anggota Direksi BUMN ditetapkan oleh RUPS/Menteri setiap
Income in the form of money or which tahun selama satu tahun terhitung sejak bulan Januari tahun berjalan;
can be valued in money received at 6. Dalam hal RUPS/Menteri tidak menetapkan besarnya Gaji anggota
certain time by members of the Board of Direksi BUMN untuk tahun tertentu, maka penetapan besarnya Gaji
Commissioners other than Honorarium, anggota Direksi menggunakan besaran yang paling akhir ditetapkan dan
which can be in the form of: diberlakukan oleh RUPS/Menteri.
a. Holiday Benefit, amounting to 1 (one)
honorarium; Salary of the Board of Directors
b. Transportation Benefit, 20% of the Fixed income in the form of money received every month because of
honorarium per month; his position as a member of the Board of Directors, with the amount
c. Retirement Insurance, with calculated determined in the GMS. The terms of the Board of Directors’ salary are as
premium borne by the Company of follows:
25% of 1 (one) year's honorarium. 1. The President Director’s salary is determined using internal guidelines
stipulated by the Minister of SOEs.
2. The salaries of other members of the Board of Directors are determined
by the composition of:
a. Deputy President Director Salary of 95%
b. The salary of the Director in charge of Human Resources is 90%, and
other members of the Board of Directors is 85% of the salary of the
President Director
3. The GMS/Minister can determine the amount of Position Factor that is
different from the provisions if it is seen as more able to reflect decency
and fairness in carrying out the duties and responsibilities of each
member of the Board of Directors and the company’s capabilities.
4. For Holding SOEs (Holding), the Salary of the Managing Director is
calculated using a calculation approach based on the figure before
consolidation equivalent to the President Director;
5. The amount of salary for members of the Board of Directors of BUMN is
determined by the GMS/Minister every year for one year starting from
January of the current year;
6. In the event that the GMS/Minister does not determine the amount of
Salary for members of the BUMN Directors for a certain year, then the
determination of the amount of Salary for members of the Board of
Directors uses the most recent amount determined and enforced by the
GMS/Minister;
PT Pegadaian | 2023 Annual Report 417
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Tata Kelola Perusahaan
Corporate Governance
Struktur Remunerasi Dewan Komisaris dan Direksi
(Sesuai Peraturan Menteri BUMN No. PER-13/MBU/09/2021)
Remuneration Structure for the Board of Commissioners and Board of Directors
(According to Minister of SOEs’ Regulation No. PER-13/MBU/09/2021)
Struktur Remunerasi Dewan Komisaris
Struktur Remunerasi Direksi
Remuneration Structure for the Board of
Remuneration Structure for the Board of Directors
Commissioners
Tunjangan Dewan Komisaris Tunjangan Direksi
Penghasilan berupa uang atau yang dapat Penghasilan berupa uang atau yang dapat dinilai dengan uang yang diterima
dinilai dengan uang yang diterima pada waktu pada waktu tertentu oleh anggota Direksi selain Gaji, yang dapat berupa:
tertentu oleh anggota Dewan Komisaris selain a. Tunjangan Hari Raya, sebesar 1 (satu) kali honorarium;
Honorarium, yang dapat berupa: b. Asuransi Purna Jabatan, dengan perhitungan premi yang ditanggung oleh
a. Tunjangan Hari Raya, sebesar 1 (satu) kali Perseroan sebesar 25% dari honorarium 1 (satu) tahun;
honorarium; c. Tunjangan Perumahan, senilai Rp27.500.000 per bulan (apabila Perseroan
b. Tunjangan Transportasi, sebesar 20% dari telah menyediakan rumah jabatan maka wajib dipergunakan sampai masa
honorarium per bulan; jabatan Direksi berakhir dan yang bersangkutan tidak diberikan tunjangan
c. Asuransi Purna Jabatan, dengan perumahan).
perhitungan premi yang ditanggung oleh
Perseroan sebesar 25% dari honorarium 1 Benefits of the Board of Directors
(satu) tahun. Income in the form of money or which can be valued in terms of money
received at a certain time by members of the Board of Directors other than
Benefits for the Board of Commissioners salary, which can be in the form of:
Income in the form of money or which can be a. Holiday Allowance, amounting to 1 (one) times the honorarium;
valued in money received at a certain time by b. Retirement Insurance, with calculated premium borne by the Company of
members of the Board of Commissioners other 25% of 1 (one) year's honorarium;
than Honorarium, which can be in the form of: c. Housing Benefits, worth Rp27,500,000 per month (if the Company has
a. Holiday Allowance, amounting to 1 (one) provided office house, it must be used until the term of office of the
times the honorarium; Board of Directors ends and the person concerned is not given a housing
b. Transportation Benefits, 20% of the allowance).
honorarium per month;
c. Retirement Insurance, with calculated
premium borne by the Company of 25% of
1 (one) year's honorarium.
Struktur Remunerasi Dewan Komisaris dan Direksi (Sesuai Peraturan Menteri BUMN No. PER-13/MBU/09/2021)
Remuneration Structure of the Board of Commissioners and Board of Directors (In accordance with Regulation of Minister
of SOEs No. PER-13/MBU/09/2021)
Struktur Remunerasi Dewan Komisaris Struktur Remunerasi Direksi
Remuneration Structure of the Board of Commissioners Remuneration Structure of the Board of Directors
Fasilitas Dewan Komisaris Fasilitas Direksi
Penghasilan berupa sarana dan/atau kemanfaatan dan/ Penghasilan berupa sarana dan/atau kemanfaatan dan/atau
atau penjaminan yang digunakan/dimanfaatkan oleh penjaminan yang digunakan/dimanfaatkan oleh anggota
anggota Dewan Komisaris dalam rangka pelaksanaan tugas, Direksi dalam rangka pelaksanaan tugas, wewenang,
wewenang, kewajiban dan tanggung jawab berdasarkan kewajiban dan tanggung jawab berdasarkan peraturan
peraturan perundang-undangan, yang dapat berupa: perundang-undangan, yang dapat berupa:
a. Fasilitas Kesehatan, dalam bentuk asuransi kesehatan atau a. Fasilitas Kendaraan, berupa 1 (satu) unit beserta
penggantian biaya pengobatan (at cost); biaya pemeliharaan dan biaya operasional, dengan
b. Fasilitas Bantuan Hukum, sesuai pemakaian (at cost). memperhatikan kondisi keuangan Perseroan. Spesifikasi
dan jenis kendaraan diatur oleh Dewan Komisaris dengan
Facilities of the Board of Commissioners batas maksimal kapasitas mesin 3.500 cc;
Income in the form of facilities and/or benefits and/ b. Fasilitas Kesehatan, dalam bentuk asuransi kesehatan
or guarantees used/utilized by members of the Board atau penggantian biaya pengobatan (at cost);
of Commissioners in the context of carrying out duties, c. Fasilitas Bantuan Hukum, sesuai pemakaian (at cost).
authority, obligations and responsibilities based on statutory
regulations, which can be in the form of: Facilities for the Board of Directors
a. Health Facilities, in the form of health insurance or Income in the form of facilities and/or benefits and/or
reimbursement of medical costs (at cost); guarantees used/utilized by members of the Board of
b. Legal Aid Facilities, according to usage (at cost). Directors in the context of carrying out duties, authority,
obligations and responsibilities based on statutory
regulations, which can be in the form of:
a. Vehicle facilities, in the form of 1 (one) unit along with
maintenance costs and operational costs, taking into account
the Company's financial condition. Vehicle specifications
and types are regulated by the Board of Commissioners
with a maximum engine capacity of 3,500 cc;
b. Health Facilities, in the form of health insurance or
reimbursement of medical costs (at cost);
c. Legal Aid Facilities, according to usage (at cost).
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Struktur Remunerasi Dewan Komisaris dan Direksi (Sesuai Peraturan Menteri BUMN No. PER-13/MBU/09/2021)
Remuneration Structure of the Board of Commissioners and Board of Directors (In accordance with Regulation of Minister
of SOEs No. PER-13/MBU/09/2021)
Struktur Remunerasi Dewan Komisaris Struktur Remunerasi Direksi
Remuneration Structure of the Board of Commissioners Remuneration Structure of the Board of Directors
Tantiem/Insentif Kinerja Tantiem Direksi
Dewan Komisaris Tantiem adalah Penghasilan yang merupakan Tantiem yaitu penghasilan yang merupakan penghargaan
penghargaan yang diberikan kepada anggota Dewan yang diberikan kepada anggota Direksi BUMN apabila
Komisaris apabila memperoleh laba dan tidak mengalami memperoleh laba dan tidak mengalami akumulasi kerugian.
akumulasi kerugian. Insentif Kinerja adalah Penghasilan yang Insentif Kinerja, yaitu penghasilan yang merupakan
merupakan penghargaan yang diberikan kepada anggota penghargaan yang diberikan kepada anggota Direksi apabila
Dewan Komisaris. Ketentuan Tantiem Dewan Komisaris adalah terjadi peningkatan kinerja walaupun masih mengalami
sebagai berikut: kerugian atau akumulasi kerugian. Ketentuan Tantiem Direksi
a. Tantiem Komisaris sebesar 45% dari Direktur Utama; adalah sebagai berikut:
b. Anggota Dewan Komisaris sebesar 90% dari Tantiem a. Tantiem Direksi ditetapkan dengan menggunakan
Komisaris Utama. pedoman internal yang ditetapkan oleh Menteri BUMN;
b. Wakil Direktur Utama: 90% dari Direktur Utama;
Tantiem/Performance Incentives c. Perhitungan tantiem Anggota Direksi sebesar 85% dari
Board of Commissioners Tantiem is income which is reward Direktur Utama.
given to members of the Board of Commissioners if they
make a profit and do not experience accumulated losses. Bonus for the Board of Directors
Performance Incentive is Income which is an award given to Tantiem is income which is reward given to members of the
members of the Board of Commissioners. The provisions for BUMN Board of Directors if they make a profit and do not
the Board of Commissioners’ Tantiem are as follows: experience accumulated losses. Performance Incentive, namely
a. Tantiem for Commissioners is 45% of the President income which is an award given to members of the Board of
Director; Directors if there is an increase in performance even though
b. Members of the Board of Commissioners constitute 90% they are still experiencing losses or accumulated losses. The
of the President Commissioner's bonus. provisions for the Board of Directors' Tantiem are as follows:
a. The Board of Directors' bonus determined using internal
guidelines established by the Minister of SOEs;
b. Vice President Director: 90% of President Director;
c. Bonus calculation for members of the Board of Directors
is 85% of that of the President Director.
Pengungkapan Bonus Kinerja, Bonus Non Disclosure of Performance Bonus, Non-
Kinerja dan Opsi Saham Dewan Komisaris Performance Bonus and Stock Options for
dan Direksi the Board of Commissioners and Board of
Directors
Selain struktur remunerasi di atas, Perseroan tidak Apart from remuneration structure above, the
memberikan remunerasi dalam bentuk apapun, Company does not provide remuneration in any form,
termasuk opsi saham kepada Dewan Komisaris dan including stock options, to the Board of Commissioners
Direksi. Sementara Perseroan tidak memiliki kebijakan and Board of Directors. Meanwhile, the Company does
khusus terkait kebijakan perpajakan untuk penghasilan not have specific policy on tax policy for the income of
Dewan Komisaris dan Direksi. the Board of Commissioners and Board of Directors.
Pengungkapan Indikator untuk Penetapan Disclosure of Indicator for Determining
Remunerasi Direktur Utama dan Remuneration for the President Director
Perhitungan Remunerasi bagi Dewan and Calculating Remuneration for the
Komisaris dan Anggota Direksi Lainnya Board of Commissioners and Other
Members of the Board of Directors
Sesuai dengan surat dari Kementerian BUMN In accordance with the decree from the Ministry of
No.Per-13/MBU/09/2021 tanggal 24 September SOEs No.Per-13/MBU/09/2021 dated September
2021 perihal Penetapan Penghasilan Direksi dan 24, 2021 on the Determination of the Income of the
Dewan Komisaris PT Pegadaian Tahun 2022, besaran Board of Directors and Board of Commissioners of PT
penetapan Remunerasi Dewan Komisaris dan Direksi Pegadaian in 2022, the amount of the Remuneration
telah mempertimbangkan beberapa faktor sebagai for the Board of Commissioners and Board of Directors
berikut: has taken into account several factors as follows:
• Pencapaian target; • Target achievement;
• Pendapatan Perseroan; • Company Revenue;
• Aktiva Perseroan; • Company assets;
PT Pegadaian | 2023 Annual Report 419
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Tata Kelola Perusahaan
Corporate Governance
• Kondisi, tingkat kesehatan dan kemampuan • Condition, level of health and financial capability
keuangan Perseroan; of the Company;
• Tingkat inflasi; • Inflation rate;
• Faktor-faktor lain yang relevan (merit system), • Other relevant factors (merit system), including
termasuk di antaranya adalah tingkat remunerasi the level of remuneration generally accepted in
yang berlaku umum dalam industri yang sejenis similar industries. Calculation of the amount of
Perhitungan Besaran Remunerasi Dewan Komisaris remuneration for the Board of Commissioners and
dan Direksi. Board of Directors.
Transparansi Jumlah Remunerasi Dewan Transparency of Total Remuneration for
Komisaris dan Direksi Tahun 2023 the Board of Commissioners and Board of
Directors in 2023
Transparansi mengenai remunerasi bagi Dewan Transparency on remuneration for the Board of
Komisaris dan Direksi di sepanjang tahun 2023 dapat Commissioners and Board of Directors throughout
dilihat melalui tabel di bawah ini. 2023 can be seen in the table below.
Remunerasi Dewan Komisaris Tahun 2023
Remuneration for the Board of Commissioners in 2023
Tunjangan Tantiem Tahun
Tunjangan Asuransi Purna
Hari Raya Buku 2022
Honorarium Transportasi Jabatan
Nama Keagamaan Tantiem for the
No Transportation Post-Service
Name (Rp) Religious 2022 Financial
Benefits Insurance
Holiday Benefits Year
(Rp) (Rp)
(Rp) (Rp)
1 Loto Srinaita Ginting ✓ ✓ ✓ ✓ ✓
Umiyatun Hayati
2
Triastuti
✓ ✓ ✓ ✓ ✓
3 Sudarto ✓ ✓ ✓ ✓ ✓
4 Rini Widyantini ✓ ✓ ✓ ✓ ✓
5 Makmur Keliat ✓ ✓ ✓ ✓ ✓
6 Nezar Patria ✓ ✓ ✓ ✓ ✓
7 Yudi Priambodo P. ✓ ✓ ✓ ✓ ✓
8 Muhammad Isnaini ✓ - - ✓ ✓
9 Otok Kuswandaru - - ✓ - -
Muhammad Sultan
10
Fauzi
- - ✓ - -
Jumlah
9.980.419.355 806.400.000 29.253.721.690 1.996.083.871 2.525.050.800
Total
Remunerasi Direksi Tahun 2023
Remuneration for the Board of Directors in 2023
Tunjangan Tantiem Tahun
Tunjangan Asuransi Purna
Hari Raya Buku 2022
Honorarium Transportasi Jabatan
Nama Keagamaan Tantiem for the
No Transportation Post-Service
Name (Rp) Religious 2022 Financial
Benefits Insurance
Holiday Benefits Year
(Rp) (Rp)
(Rp) (Rp)
1 Damar Latri Setiawan ✓ ✓ ✓ ✓ ✓
2 Teguh Wahyono ✓ ✓ ✓ ✓ ✓
3 Gunawan Sulistyo ✓ ✓ ✓ ✓ ✓
Ferdian Timur
4
Satyagraha
✓ ✓ ✓ ✓ ✓
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Remunerasi Direksi Tahun 2023
Remuneration for the Board of Directors in 2023
Tunjangan Tantiem Tahun
Tunjangan Asuransi Purna
Hari Raya Buku 2022
Honorarium Transportasi Jabatan
Nama Keagamaan Tantiem for the
No Transportation Post-Service
Name (Rp) Religious 2022 Financial
Benefits Insurance
Holiday Benefits Year
(Rp) (Rp)
(Rp) (Rp)
5 Eka Pebriansyah ✓ ✓ ✓ ✓ ✓
Elvi Rofiqotul
6
Hidayah
✓ ✓ ✓ ✓ ✓
7 Udin Salahudin ✓ - - ✓ ✓
8 E.R.A. Taufiq ✓ - - ✓ ✓
9 Kuswiyoto - - ✓ - -
10 Harianto Widodo - - ✓ - -
11 Ninis Kesuma Adriani - - ✓ - -
12 Ridwan Arbiansyah ✓ ✓ ✓ ✓ ✓
Jumlah
21.924.000.000 1.708.000.000 62.908.278.314 2.475.000.000 1.143.000.000
Total
Rekapitulasi Remunerasi Dewan Komisaris dan Direksi Tahun 2023 dan 2022
Remuneration recapitulation of the Board of Commissioners and Board of Directors for 2023 and 2022
Kenaikan (Penurunan)
Increase (Decrease)
Uraian
2023 2022 Selisih (Rp juta) Persentase
Description
Difference (Rp Percentage
million) (%)
Remunerasi Dewan Komisaris
Remuneration of the Board of 9.980.419.355 8.901.904.355 1.078.515.000 12,12
Commissioners
Remunerasi Direksi
Remuneration of the Board of 21.924.000.000 19.178.400.000 2.745.600.000 14,32
Director
Informasi tentang Rasio Gaji di Lingkup Information about Salary Ratio within the
Perseroan Company
Informasi mengenai rasio gaji Dewan Komisaris, Direksi, Information on the salary ratio of the Board of
dan karyawan Perseroan adalah sebagai berikut: Commissioners, Board of Directors and employees of
the Company is as follows:
Perbandingan
2023 2022 2021
Ratio
Direktur Utama terhadap Wakil Direktur Utama
- - -
President Director to Vice President Director
Direktur Utama terhadap Direktur yang membidangi Sumber
Daya Manusia
1:0,85 1:0,85 1:0,85
President Director to the Director in charge of Human
Resources
Direktur Utama terhadap Direktur Lainnya
1:0,85 1:0,85 1:0,85
President Director to Other Directors
Komisaris Utama terhadap Anggota Dewan Komisaris
President Commissioner to Members of the Board of 1:0,90 1:0,90 1:0,90
Commissioners
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Tata Kelola Perusahaan
Corporate Governance
Perbandingan
2023 2022 2021
Ratio
Direktur Utama terhadap Komisaris Utama
1:0,45 1:0,45 1:0,45
President Director to President Commissioner
Direktur Utama terhadap Karyawan tertinggi
1:0,34 1:0,36 1:0,5
President Director to the highest employee
Direktur Utama terhadap Karyawan terendah
1:0,01 1:0,01 1:0,01
President Director to the lowest employee
Karyawan Tertinggi terhadap Karyawan Terendah
1:0,04 1:0,03 1:0,02
President Director to the lowest employee
Karyawan Terendah terhadap UMP
1:0,88 1:0,83 1:0,90
Lowest Employee to Provincial Minimum Wage
Karyawan tertinggi pada tabel di atas adalah level What is meant by the highest employee in the table
jabatan Senior Executive Vice President, sementara above is the Senior Executive Vice President position
karyawan terendah adalah level jabatan Staff. level, while the lowest employee is the Staff position
level.
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Organ Pendukung Dewan Komisaris
Supporting Organs of the Board of Commissioners
Selain Sekretaris Dewan Komisaris, terdapat 3 (tiga) Apart from the Secretary to the Board of
komite yang di bentuk oleh Dewan Komisaris, yakni Commissioners, there are 3 (three) committees
Komite Audit, Komite Pemantau Risiko, serta Komite formed by the Board of Commissioners, namely the
Nominasi dan Remunerasi guna membantu Dewan Audit Committee, the Risk Monitoring Committee,
Komisaris dalam melaksanakan tugas pengawasan. and the Nomination and Remuneration Committee
to assist the Board of Commissioners in carrying out
supervisory duties.
Sekretaris Dewan Komisaris Secretary to the Board of
Commissioners
Dalam rangka membantu kelancaran pelaksanaan In order to assist the smooth implementation of
tugasnya, Dewan Komisaris dibantu oleh Sekretariat its duties, the Board of Commissioners is assisted
Dewan Komisaris yang berfungsi sebagai penghubung by the Secretariat of the Board of Commissioners
Dewan Komisaris dengan pihak lain. Sekretariat Dewan which functions as a liaison between the Board of
Komisaris dipimpin oleh seorang pejabat Sekretaris Commissioners and other parties. The Secretariat
Dewan Komisaris. of the Board of Commissioners is led by an official
Secretary to the Board of Commissioners.
Kriteria Sekretaris Dewan Komisaris Criteria for Secretary to the Board of
Commissioners
Pengangkatan Sekretaris Dewan Komisaris telah The appointment of the Secretary to the Board of
berdasarkan pada Kriteria Sekretaris Dewan Komisaris Commissioners has been based on the following Criteria
sebagai berikut: for the Secretary to the Board of Commissioners:
1. Memahami sistem pengelolaan, pengawasan, dan 1. Understand the system of management,
pembinaan BUMN. supervision and development of SOEs.
2. Memiliki integritas yang baik. 2. Have good integrity.
3. Memahami fungsi kesekretariatan. 3. Understand secretarial functions.
4. Memiliki kemampuan untuk berkomunikasi dan 4. Have the ability to communicate and coordinate
berkoordinasi dengan baik. well.
Dasar Pengangkatan dan Profil Pejabat Basis of Appointment and Profile of
Sekretaris Dewan Komisaris Secretary to the Board of Commissioners
Sekretaris Dewan Komisaris Perseroan dijabat oleh Secretary to the Company’s Board of Commissioners
Sdr. Fajar Karyanto berdasarkan Surat Keputusan is held by Fajar Karyanto based on the Decree of
Dewan Komisaris Perusahaan Perseroan (Persero) the Board of Commissioners of PT Pegadaian No.
PT Pegadaian No. KEP-01/KP/DK.GD/01/2021 KEP-01/KP/ DK.GD/01/2021 concerning Dismissal
tentang Pemberhentian dan Pengangkatan Sekretaris and Appointment of the Secretary to the Board of
Dewan Komisaris Perusahaan Perseroan (Persero) Commissioners of PT Pegadaian on January 25, 2021.
PT Pegadaian tanggal 25 Januari 2021.
PT Pegadaian | 2023 Annual Report 423
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Tata Kelola Perusahaan
Corporate Governance
Fajar Karyanto
Sekretaris Dewan Komisaris
Secretary to the Board of Commissioners
Periode Jabatan: 25 Januari 2021-2024, Periode Pertama
Term of Office: January 25, 2021 – 2024, First Period
Data Pribadi Warga negara Indonesia | Indonesian Citizen
Personal Data Usia 41 tahun | Age of 41 year old
Domisili
Domicile Kota Bekasi, Jawa Barat, Indonesia
• Sarjana Ekonomi (Akuntansi) dari Universitas Indonesia (tahun 2010)
Pendidikan • D3 Akuntansi, Sekolah Tinggi Akuntansi Negara (2003)
Education • Bachelor of Economics (Accounting) from the University of Indonesia (2010)
• Diploma (D3) in Accounting, State College of Accountancy (2003)
• Koordinator pada Asisten Deputi Perkebunan Kementerian BUMN (2021-Sekarang)
• Sub Koordinator pada Asisten Deputi Bidang Usaha Energi, Minyak dan Gas Kementerian
BUMN (2020-2020)
• Kepala Subbidang Usaha Industri Agro dan Farmasi Kementerian BUMN (2019-2020)
• Kepala Subbidang Restrukturisasi Kementerian BUMN (2017-2018)
• Plt Kepala Subbidang Usaha Pertambangan, Industri Strategis dan Media Kementerian
BUMN (2015-2016)
• Plt Kepala Subbidang pada Asisten Deputi Keuangan Kementerian BUMN (2013-2015)
• Pelaksana pada Asisten Deputi PKBL Kementerian BUMN (2009- 2013)
• Pelaksana pada Asisten Deputi Kehutanan Kementerian BUMN (2003-2009)
• Analis Data BUMN (2014-2015)
Riwayat Profesi
• Coordinator at the Assistant Deputy for Plantations at the Ministry of SOEs (2021-Present)
Professional History
• Sub-Coordinator for the Assistant Deputy for Energy, Oil and Gas Business at the Ministry of
SOEs (2020-2020)
• Head of Sub-sector of Agro and Pharmaceutical Industry, Ministry of SOEs (2019-2020)
• Head of Restructuring Sub-Division of the Ministry of SOEs (2017-2018)
• Acting Head of Mining, Strategic Industry and Media Sub-Sector of the Ministry of SOEs
(2015-2016)
• Acting Head of Sub-Division at the Assistant Deputy of Finance of the Ministry of SOEs
(2013-2015)
• Executor at Assistant Deputy PKBL Ministry of SOEs (2009-2013)
• Executor at Assistant Deputy of Forestry Ministry of SOEs (2003-2009)
• BUMN Data Analyst (2014-2015)
Rangkap Jabatan Koordinator pada Asisten Deputi Perkebunan Kementerian BUMN
Concurrent Position Coordinator at the Assistant Deputy for Plantations at the Ministry of SOEs
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris dan Direksi. Memiliki
Hubungan Afiliasi hubungan afiliasi dengan Pemegang Saham Pengendali melalui jabatan.
Affiliate Relationship Has no affiliation with members of the Board of Commissioners and Board of Directors. Has
affiliation with the Controlling Shareholder through professional relationship.
Pedoman Kerja, Tugas, dan Tanggung Jawab Work Guidelines, Duties and Responsibilities
Pedoman Kerja, Tugas dan Tanggung Jawab Sekretaris The work guidelines for the Secretary to the Board
Dewan Komisaris mengacu pada Keputusan Dewan of Commissioners refer to the Decree of the Board
Komisaris No. KEP-15/KP/ DK.GD/12/2021 tentang of Commissioners No: KEP-15/KP/DK.GD/12/2021
Pedoman dan Tata Tertib Kerja Dewan Komisaris PT concerning Guidelines and Work Procedures for the
Pegadaian. Board of Commissioners of PT Pegadaian.
Kebijakan Remunerasi Sekretaris Dewan Remuneration Policy for the Secretary to the
Komisaris Board of Commissioners
Sesuai dengan Peraturan Menteri BUMN No. In accordance with the Regulation of Minister of SOEs
PER-06/MBU/04/2021 tentang Perubahan atas No. PER-06/MBU/04/2021 concerning Amendment
Peraturan Menteri Badan Usaha Milik Negara No. to the Regulation of the Minister of State-Owned
PER-12/MBU/2012 tentang Organ Pendukung Enterprises No. PER-12/MBU/2012 concerning
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Dewan Komisaris/Dewan Pengawasan Badan Supporting Organs for the Board of Commissioners/
Usaha Milik Negara, penghasilan Sekretaris Dewan Supervisory Board of State-Owned Enterprises, the
Komisaris ditetapkan oleh Dewan Komisaris dengan salary of the Secretary to the Board of Commissioners
memperhatikan kemampuan Perusahaan. Penghasilan is determined by the Board of Commissioners by
Sekretaris Dewan Komisaris terdiri atas honorarium taking into account the Company’s capabilities. The
dengan besaran maksimal 15% dari gaji Direktur income of the Secretary to the Board of Commissioners
Utama Perusahaan per bulan, tunjangan transportasi consists of honorarium with a maximum amount of
sebesar 20% dari honorarium per bulan, tunjangan 15% of the salary of the Company’s President Director
hari raya keagamaan yang dibayarkan sekali dalam per month, transportation allowance of 20% of the
1(satu) tahun sebesar 1 (satu) kali honorarium bulanan, honorarium per month, religious holiday allowance
santunan purna jabatan dalam bentuk premi asuransi which is paid once in 1 (one) year in the amount of
atau bentuk lainnya maksimal 25% dari honorarium 1 (one) time honorarium monthly, post-employment
per bulan, fasilitas kesehatan dan fasilitas perjalanan benefits in the form of insurance premiums or other
dinas, serta jasa produksi (bonus). forms of a maximum of 25% of the honorarium per
month, health facilities and business travel facilities, as
well as production services (bonuses).
Kebijakan remunerasi bagi Sekretaris Dewan Komisaris The remuneration policy for the Secretary to the
telah diatur berdasarkan Surat Dewan Komisaris No. Board of Commissioners has been regulated based
S-41/DK.GD/09/2022 tanggal 19 September 2022 on Decree of the Board of Commissioners No. S-41/
perihal Tunjangan dan Fasilitas Organ Dewan Komisaris DK.GD/09/2022 dated September 19, 2022 concerning
PT Pegadaian dan Surat Dewan Komisaris No. S-44/ Allowances and Facilities for the Organs of the Board
DK.GD/11/2023 tanggal 8 November 2023 perihal of Commissioners of PT Pegadaian and Decree of the
Honorarium, Tunjangan, dan Fasilitas Organ Dewan Board of Commissioners No. S-44/DK.GD/11/2023
Komisaris PT Pegadaian serta Surat Dewan Komisaris dated November 8, 2023 concerning Honorarium,
No. S-45/DK.GD/11/2023 tanggal 8 November 2023 Allowances and Organ Facilities for the Board of
perihal Jasa Produksi/Bonus Sekretaris Dewan Commissioners of PT Pegadaian and Decree of the
Komisaris dan Staf Sekretariat Dewan Komisaris Board of Commissioners No. S-45/DK.GD/11/2023
PT Pegadaian. dated November 8, 2023 concerning Production
Services/Bonuses for the Secretary to the Board of
Commissioners and Secretariat Staff of the Board of
Commissioners of PT Pegadaian.
Laporan Pelaksanaan Tugas Tahun 2023 Duties Implementation in 2023
Sepanjang tahun 2023, Sekretaris Dewan Komisaris Throughout 2023, the Secretary to the Board of
telah melakukan berbagai kegiatan, antara lain sebagai Commissioners has conducted various activities,
berikut: including the following:
1. Mempersiapkan rapat, termasuk bahan rapat untuk 1. Prepare meetings, including meeting materials for
Dewan Komisaris. the Board of Commissioners.
2. Membuat risalah rapat Dewan Komisaris sesuai 2. Prepare minutes of meetings of the Board of
ketentuan Anggaran Dasar Perseroan. Commissioners in accordance with the provisions
of the Company’s Articles of Association.
3. Mengadministrasikan dokumen Dewan Komisaris, 3. Administer Board of Commissioners documents,
baik surat masuk, surat keluar, risalah rapat maupun including incoming letters, outgoing letters,
dokumen lainnya. minutes of meetings and other documents.
4. Menyusun Rancangan Rencana Kerja dan 4. Prepare Draft Work Plan and Budget for the Board
Anggaran Dewan Komisaris. of Commissioners.
5. Menyusun Rancangan Laporan Dewan Komisaris. 5. Prepare Draft Report for the Board of
Commissioners.
6. Melaksanakan tugas lain dari Dewan Komisaris. 6. Conduct other duties of the Board of
Commissioners.
7. Memastikan bahwa Dewan Komisaris mematuhi 7. Ensure that the Board of Commissioners complies
peraturan perundang-undangan, serta menerapkan with statutory regulations and applies corporate
prinsip-prinsip governansi korporat. governance principles.
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Tata Kelola Perusahaan
Corporate Governance
8. Memberikan informasi yang dibutuhkan oleh 8. Provide information required by the Board of
Dewan Komisaris secara berkala dan/atau sewaktu Commissioners periodically and/or at any time if
waktu apabila diminta. requested.
9. Mengkoordinasikan anggota Komite, jika 9. Coordinate Committee members, if necessary
diperlukan dalam rangka memperlancar tugas in order to facilitate the duties of the Board of
Dewan Komisaris. Commissioners.
10. Sebagai penghubung (liaison officer) Dewan 10. As liaison officer for the Board of Commissioners
Komisaris dengan pihak lain. with other parties.
Komite Audit Audit Committee
Dalam rangka membantu Dewan Komisaris dalam In order to assist the Board of Commissioners in
melaksanakan tugas pengawasan, Dewan Komisaris carrying out their supervisory duties, the Company
membentuk Komite Audit yang memberikan opini has established an Audit Committee which provides
profesional dan independen kepada Dewan Komisaris professional and independent opinion to the Board
mengenai laporan atau hal-hal lain yang diajukan of Commissioners regarding reports or other matters
oleh Direksi kepada Dewan Komisaris. Tugas Komite submitted by the Board of Directors to the Board of
ini termasuk mengevaluasi laporan dari fungsi Audit Commissioners. The duties of this Committee include
Internal dan memberikan argumen mendasar terkait evaluating reports from the Internal Audit function
pengendalian internal yang dijalankan di seluruh and providing basic arguments regarding the internal
unit Perseroan. Komitmen Komite Audit dijalankan controls implemented in all units of the Company. The
dengan fokus pada efektivitas Corporate Governance, Audit Committee’s commitment is carried out with a
pengendalian internal, risks assessment, dan focus on the effectiveness of Corporate Governance,
pengelolaan Perseroan secara keseluruhan. internal control, risk assessment, and management of
the Company as a whole.
Pedoman Kerja: Piagam Komite Audit Work Guidelines: Audit Committee Charter
Pedoman kerja Komite Audit mengacu pada Piagam The work guidelines for the Audit Committee refer
Komite Audit (Audit Committee Charter) dalam to the Audit Committee Charter in carrying out
menjalankan tugas dan wewenangnya secara efisien, their duties and authorities efficiently, effectively,
efektif, transparan, kompeten, independen dan dapat transparently, competently, and independently and
dipertanggung jawabkan berdasarkan ketentuan can be accounted for based on the provisions of the
peraturan perundang-undangan yang berlaku. Piagam applicable laws and regulations. The Audit Committee
Komite Audit yang disahkan berdasarkan Keputusan Charter was ratified based on the Decree of the Board
Dewan Komisaris No. 5/KP/DK.GD/12/2018 tanggal 27 of Commissioners 5/ KP/DK.GD/12/2018 dated 27
Desember 2018 tentang Piagam Komite Audit adalah December 2018 concerning the Audit Committee
dokumen formal sebagai perwujudan implementasi Charter is a formal document as an implementation
dari komitmen Dewan Komisaris dan Komite Audit of the commitment of the Board of Commissioners
dalam membangun sistem pengendalian internal yang and the Audit Committee to building a good internal
baik bagi Perseroan. control system for the Company.
Sebagai acuan dan pedoman kerja Komite Audit, As a reference and work guideline for the Audit
Piagam Komite Audit mengatur tentang organisasi Committee, the Audit Committee Charter regulates
dan struktur Komite Audit, keanggotaan yang meliputi the organization and structure of the Audit
komposisi, persyaratan independensi dan kompetensi, Committee, a membership that includes composition,
tugas dan tanggung jawab, hak dan kewenangan, independence and competence requirements, duties
penghasilan dan anggaran, serta hubungan dengan and responsibilities, rights and authorities, income
pihak-pihak terkait seperti dengan auditor eksternal, and budget, as well as relationships with related
SPI dan manajemen Perseroan. Selain itu, agar Komite parties such as with external auditors, SPI and
Audit dapat menjalankan tugas secara efektif, Piagam Company management. In addition, so that the Audit
Komite Audit juga mengatur tentang rapat-rapat yang Committee can carry out its duties effectively, the
dilakukan oleh Komite Audit, kode etik dan pelaporan, Audit Committee Charter also regulates the meetings
dan penilaian kinerja Komite Audit. conducted by the Audit Committee, the code of ethics
and reporting, and the performance evaluation of the
Audit Committee.
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Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of the Audit
Committee
Sejalan dengan Piagam Komite Audit, tugas dan In line with the Audit Committee Charter, the Duties
tanggung jawab Komite Audit meliputi: and Responsibilities of the Audit Committee include:
1. Memberikan pendapat kepada Dewan Komisaris 1. Provide opinions to the Board of Commissioners
mengenai laporan keuangan dan atau hal-hal lain regarding financial reports and/or other matters
yang disampaikan Direksi. submitted by the Board of Directors.
2. Membantu Dewan Komisaris untuk memastikan 2. Assist the Board of Commissioners in ensuring the
efektivitas sistem pengendalian internal dan effectiveness of the internal control system and the
efektivitas pelaksanaan tugas auditor internal dan effectiveness of the implementation of the duties
auditor eksternal. of the internal auditors and external auditors.
3. Melakukan evaluasi dan memberikan pendapat, 3. Evaluate and provide opinions, suggestions and
saran serta rekomendasi kepada Dewan Komisaris recommendations to the Board of Commissioners
terhadap hasil audit yang dilaksanakan oleh Satuan on the results of audits carried out by the Internal
Pengawasan Intern. Audit Unit.
4. Melakukan evaluasi dan memberikan pendapat, 4. Evaluate and provide opinions, suggestions and
saran serta rekomendasi kepada Dewan Komisaris recommendations to the Board of Commissioners
terhadap pelaksanaan audit oleh Auditor Eksternal. regarding the implementation of audits by the
External Auditor.
5. Memberikan rekomendasi mengenai 5. Provide recommendations regarding the
penyempurnaan sistem pengendalian manajemen improvement of the management control system
serta pelaksanaannya. and its implementation.
6. Memastikan telah terdapat prosedur evaluasi 6. Ensure that there is a satisfactory evaluation
yang memuaskan terhadap segala informasi yang procedure for all information issued by the
dikeluarkan Perseroan. Company.
7. Melakukan identifikasi, menganalisis, dan 7. Identify, analyze and provide opinions, suggestions
memberikan pendapat, saran serta rekomendasi and recommendations on matters that require the
atas hal-hal yang memerlukan perhatian Dewan attention of the Board of Commissioners.
Komisaris.
8. Melaksanakan tugas lain yang diberikan oleh 8. Carry out other tasks assigned by the Board of
Dewan Komisaris sepanjang masih dalam lingkup Commissioners as long as they are within the
tugas dan kewajiban Dewan Komisaris berdasarkan scope of the duties and obligations of the Board
ketentuan peraturan perundang-undangan. of Commissioners based on the provisions of laws
and regulations.
9. Melaporkan secara tertulis dan/atau lisan hasil 9. Report in writing and/or verbally the results of the
penugasan kepada Dewan Komisaris. assignment to the Board of Commissioners.
10. Membantu Dewan Komisaris melakukan proses 10. Assist the Board of Commissioners in the process
penunjukan calon auditor eksternal sesuai dengan of appointing external auditor candidates in
ketentuan yang berlaku, dan apabila diperlukan accordance with applicable regulations, and if
dapat meminta bantuan Direksi dalam proses necessary may request the assistance of the Board
penunjukannya. of Directors in the appointment process.
11. Melakukan kunjungan kerja ke lapangan. 11. Conduct working visits to the field.
Komposisi Komite Audit Composition of the Audit Committee
Per 31 Desember 2023, Komite Audit mengalami As of December 31, 2023, the Audit Committee
perubahan komposisi. Adapun susunan Komite Audit, underwent changes in composition. The composition
sebagai berikut: of the Audit Committee is as follows:
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Tata Kelola Perusahaan
Corporate Governance
Susunan Komite Audit per 31 Desember 2023
Composition of the Audit Committee as of December 31, 2023
Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan Jabatan
Name Position Basis of Appointment Term of Office Service
Period
Surat Keputusan Dewan Komisaris Perusahaan Mengikuti masa
No. KEP-02/KP/DK.GD/02/2023 tanggal 14 jabatan sebagai
Yudi Priambodo Ketua Februari 2023 Dewan Komisaris Ke 1
P. Chairman Decree of the Board of Commissioners of the Following his term of 1st
Company No. KEP-02/KP/DK.GD/02/2023 office as the Board of
dated February 14, 2023 Commissioners
Surat Keputusan Dewan Komisaris Perusahaan Mengikuti masa
No. KEP-02/KP/DK.GD/02/2023 tanggal 14 jabatan sebagai
Anggota Februari 2023 Dewan Komisaris Ke 1
Makmur Keliat
Member Decree of the Board of Commissioners of the Following his term of 1st
Company No. KEP-02/KP/DK.GD/02/2023 office as the Board of
dated February 14, 2023 Commissioners
Surat Keputusan Dewan Komisaris Perusahaan
No. KEP-02/KP/DK.GD/02/2023 tanggal 14
Anggota Februari 2023 Ke 1
Alpin Napitupulu 2021-2024
Member Decree of the Board of Commissioners of the 1st
Company No. KEP-02/KP/DK.GD/02/2023
dated February 14, 2023
Surat Keputusan Dewan Komisaris Perusahaan
No. KEP-02/KP/DK.GD/02/2023 tanggal 14
Anggota Februari 2023 Ke 2
Vicky Taufik 2022-2024
Member Decree of the Board of Commissioners of the 2nd
Company No. KEP-02/KP/DK.GD/02/2023
dated February 14, 2023
Yudi Priambodo P.
Ketua Komite Audit/Komisaris Independen
Chairman of the Audit Committee/Independent Commissioner
Profil Ketua Komite Audit/Komisaris Independen Yudi Priambodo P.. dapat dilihat pada bagian Profil Dewan Komisaris, bab
Profil Perusahaan pada Laporan Tahunan ini
The profile of the Chairman of the Audit Committee/Independent Commissioner Yudi Priambodo P. can be seen in the
Profile of the Board of Commissioners section, Company Profile chapter in this Annual Report.
Makmur Keliat
Anggota Komite Audit/Komisaris Independen
Member of the Audit Committee/Independent Commissioner
Profil Anggota Komite Audit/Komisaris Independen Makmur Keliat dapat dilihat pada bagian Profil Dewan Komisaris, bab
Profil Perusahaan pada Laporan Tahunan ini
The profile of the Member of Audit Committee/Independent Commissioner Makmur Keliat can be seen in the Profile of the
Board of Commissioners section, Company Profile chapter in this Annual Report.
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Alpin Napitupulu
Anggota Komite Audit
Member of the Audit Committee
Periode Jabatan: 1 Desember 2021-2024, Periode Pertama
Term of Office: December 1, 2021 - 2024, First Period
Data Pribadi Warga negara Indonesia | Indonesian Citizen
Personal Data Usia 45 tahun | Age of 45 year old
Domisili
Jakarta Selatan, DKI Jakarta, Indonesia
Domicile
Pendidikan Sarjana Ekonomi (Akuntansi) dari Universitas Indonesia tahun (2001)
Education Bachelor of Economics (Accounting) from the University of Indonesia in (2001)
• Chartered Accountant Indonesia (CA)
Sertifikasi yang Dimiliki
• Certified Public Accountant (CPA)
Certifications Obtained
• Certification in Audit Committee Practices (CACP)
• Konsultan di PPA FEB Universitas Indonesia (2021-sekarang)
• Direktur di PT Iradhi Solusindo Abadi (2020-sekarang)
• Kantor Akuntan Publik KAP Imelda & Rekan (Deloitte) (2006-2020)
Riwayat Profesi • Kantor Akuntan Publik KAP Aryanto, Amir Abadi Jusuf, Mawar & Rekan (RSM) (2003-2006)
Professional History • Consultant at PPA FEB University of Indonesia (2021-present)
• Director at PT Iradhi Solusindo Abadi (2020-present)
• Public Accounting Firm Imelda & Rekan (Deloitte) (2006-2020)
• Public Accounting Firm Aryanto, Amir Abadi Jusuf, Mawar & Rekan (RSM) (2003-2006).
• Konsultan di PPA FEB Universitas Indonesia (2021-sekarang)
Rangkap Jabatan • Direktur di PT Iradhi Solusindo Abadi (2020-sekarang)
Concurrent Position • Consultant at PPA FEB University of Indonesia (2021-present)
• Director at PT Iradhi Solusindo Abadi (2020-present)
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris dan Direksi dan Pemegang
Hubungan Afiliasi Saham Pengendali.
Affiliate Relationship Has no affiliation with members of the Board of Commissioners and Board of Directors and
Controlling Shareholders.
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Tata Kelola Perusahaan
Corporate Governance
Vicky Taufik
Anggota Komite Audit
Member of the Audit Committee
Periode Jabatan: 2022 - 2024, Periode Kedua
Term of Office: 2022 - 2024, Second Term
Data Pribadi Warga negara Indonesia | Indonesian Citizen
Personal Data Usia 45 tahun | Age of 45 year old
Domisili
Bekasi, Jawa Barat, Indonesia
Domicile
Pendidikan Sarjana Ekonomi (Akuntansi) dari Universitas Indonesia tahun (2000)
Education Bachelor of Economics (Accounting) from the University of Indonesia in (2000)
• Certification in Audit Committee Practices
Sertifikasi yang Dimiliki
• Financial Risk Analyst for Corporation
Certifications Obtained
• Brevet Pajak
• Komisaris di PT Bagaskara Energi Indonesia (Maret 2021-sekarang)
• Managing Partner di VT Consulting (Februari 2019-sekarang)
• Kepala Divisi Keuangan dan Akuntansi di BPD Banten (November 2021-September 2022)
• Anggota Komite Audit di PT Pegadaian (Februari 2019-November 2021)
• Tax Partner di Reanda Bernardi (Agustus 2015-Januari 2019)
• Business Performance Management Head Bank Danamon Unit Usaha Syariah (2014-2015)
• Business Planning Manager Bank Danamon Unit Bisnis Syariah Solusi Emas (2011-2014)
• Tax Senior Manager Bank Danamon Indonesia, Jakarta (2007- 2011)
• Tax Consultant Rustan Consulting, Jakarta (2001-2007)
Riwayat Profesi • Commissioner at PT Bagaskara Energi Indonesia (March 2021-present)
Professional History • Managing Partner at VT Consulting (February 2019-present)
• Head of Finance and Accounting Division at BPD Banten (November 2021-September 2022)
• Member of the Audit Committee at PT Pegadaian (February 2019-November 2021)
• Tax Partner at Reanda Bernardi (August 2015-January 2019)
• Business Performance Management Head at Bank Danamon Sharia Business Unit (2014-
2015)
• Business Planning Manager at Bank Danamon Syariah Solutions Gold Business Unit (2011-
2014)
• Tax Senior Manager Bank Danamon Indonesia, Jakarta (2007- 2011)
• Tax Consultant Rustan Consulting, Jakarta (2001-2007)
• Komisaris di PT Bagaskara Energi Indonesia (Maret 2021-sekarang)
Rangkap Jabatan • Managing Partner di VT Consulting (Februari 2019-sekarang)
Concurrent Position • Commissioner at PT Bagaskara Energi Indonesia (March 2021-present)
• Managing Partner at VT Consulting (February 2019-present)
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris dan Direksi dan Pemegang
Hubungan Afiliasi Saham Pengendali.
Affiliate Relationship Has no affiliation with members of the Board of Commissioners and Board of Directors as well
as Controlling Shareholders.
Informasi tentang Pembagian Tugas antar Information on the Division of Duties among
Anggota Komite Audit Members of the Audit Committee
Tugas-tugas Komite Audit dilaksanakan bersama- The duties of the Audit Committee are carried out
sama (kolektif) tanpa ada pembagian tugas Komite jointly (collectively) without any division of the Audit
Audit. Committee’s duties.
Independensi Komite Audit Independence of the Audit Committee
Kriteria penunjukan Komite Audit didasarkan pada The criteria for the appointment of the Audit
integritas, kemampuan, pengetahuan dan pengalaman Committee are based on the integrity, ability,
masing-masing anggota. Salah seorang anggota knowledge and experience of each member. One
Komite Audit harus memiliki latar belakang pendidikan member of the Audit Committee must have an
akuntansi atau keuangan. Komite Audit Perseroan educational background in accounting or finance. The
bersifat independen, bukan merupakan orang dalam Company’s Audit Committee is independent, not a
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Kantor Akuntan Publik, Kantor Konsultan Hukum, atau member of a Public Accounting Firm, Legal Consulting
pihak lain yang memberi jasa audit, jasa non audit Firm, or other parties who provide audit services, non-
dan atau jasa konsultasi lain kepada Perseroan dalam audit services and or other consulting services to the
waktu 6 (enam) bulan terakhir sebelum diangkat oleh Company within the last 6 (six) months before being
Dewan Komisaris, dan bukan orang yang mempunyai appointed by the Board of Commissioners, and not
wewenang dan tanggung jawab untuk merencanakan, a person who has the authority and responsibility to
memimpin atau mengendalikan kegiatan Perseroan plan, lead or control the Company’s activities within
dalam waktu 6 (enam) bulan terakhir. the last 6 (six) months.
Beberapa persyaratan independensi Komite Audit Some of the Audit Committee independence
yang tercantum dalam Piagam Komite Audit Perseroan requirements listed in the Company’s Audit Committee
adalah: Charter are:
1. Jika ada Anggota Komite Audit berasal dari 1. If a member of the Audit Committee comes from
sebuah institusi tertentu, maka institusi dimana a certain institution, then the institution where the
anggota Komite Audit tersebut berasal tidak boleh member of the Audit Committee comes from may
memberikan jasa pada BUMN yang bersangkutan. not provide services to the SOE concerned.
2. Tidak memangku jabatan rangkap sebagai 2. Do not hold concurrent positions as administrators
pengurus partai politik dan/atau calon/anggota of political parties and/or candidates/members
legislatif dan/ atau calon kepala daerah/wakil of the legislature and/or candidates for regional
kepala daerah dan jabatan lain sesuai dengan head/deputy regional head and other positions
ketentuan peraturan perundang-undangan yang in accordance with the provisions of laws and
dapat menimbulkan benturan kepentingan. regulations which may cause a conflict of interest.
3. Anggota Komite yang berasal dari luar Perseroan 3. Members of the Committee who come from outside
dilarang mempunyai hubungan keluarga sedarah the Company are prohibited from having blood
dan semenda sampai derajat ketiga baik menurut and marital relations to the third degree either in
garis lurus maupun garis ke samping dengan a straight line or a sideways line with Members of
Anggota Dewan Komisaris, dan Anggota Direksi the Board of Commissioners and Members of the
Perseroan. Board of Directors of the Company.
4. Tidak mewakili kepentingan pihak lain yang 4. Not representing the interests of other parties who
mempunyai hubungan usaha dengan Perseroan have a business relationship with the Company,
antara lain pemasok, pembeli, kreditur maupun including suppliers, buyers, creditors and debtors
debitur Perseroan. of the Company.
Independensi Komite Audit
Independence of the Audit Committee
Yudi Alpin
Aspek Independensi Makmur Keliat Vicky Taufik
Priambodo P. Napitupulu
Independence Aspect (Anggota/ (Anggota/
(Ketua/ (Anggota/
member) member)
Chairman) member)
Terdapat institusi dimana anggota Komite
Audit tersebut berasal memberikan jasa pada
Perseroan.
x x x x
There is an institution where the members of
the Audit Committee come from to provide
services to the Company.
Memangku jabatan rangkap sebagai pengurus
partai politik dan/atau calon/anggota
legislatif dan/atau calon kepala daerah/
wakil kepala daerah dan jabatan lain sesuai
dengan ketentuan peraturan perundang-
undangan yang dapat menimbulkan benturan
kepentingan.
x x x x
Holding concurrent positions as administrators
of political parties and/or candidates/members
of the legislature and/ or candidates for
regional head/deputy regional head and other
positions in accordance with the provisions
of laws and regulations which may cause a
conflict of interest.
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Tata Kelola Perusahaan
Corporate Governance
Independensi Komite Audit
Independence of the Audit Committee
Yudi Alpin
Aspek Independensi Makmur Keliat Vicky Taufik
Priambodo P. Napitupulu
Independence Aspect (Anggota/ (Anggota/
(Ketua/ (Anggota/
member) member)
Chairman) member)
Anggota Komite yang berasal dari luar
Perseroan mempunyai hubungan keluarga
sedarah dan semenda sampai derajat ketiga
baik menurut garis lurus maupun garis ke
samping dengan Anggota Dewan Komisaris,
dan Anggota Direksi Perseroan.
x x x x
Members of the Committee who come from
outside the Company have blood and marital
relations to the third degree both in a straight
line and a sideways line with Members of the
Board of Commissioners and Members of the
Board of Directors of the Company.
Mewakili kepentingan pihak lain yang
mempunyai hubungan usaha dengan
Perseroan antara lain pemasok, pembeli,
kreditur maupun debitur Perseroan.
Representing the interests of other parties
x x x x
who have business relations with the Company,
including suppliers, buyers, creditors and
debtors of the Company.
v = ada | x = tidak ada
v = exists | x = none
Transparansi Hubungan Afiliasi Komite Audit
Transparency of Affiliation Relations of the Audit Committee
Yudi
Makmur Keliat Alpin Napitupulu Vicky Taufik
Hubungan Afiliasi Priambodo P.
(Anggota/ (Anggota/ (Anggota/
Affiliate Relations (Ketua/
member) member) member)
Chairman)
Dengan Anggota Dewan Komisaris
With Members of the Board of x x x x
Commissioners
Dengan Direksi
x x x x
With the Board of Directors
Dengan Pemegang Saham Utama/
Pengendali dan Pemerintah Indonesia
sebagai Entitas Pemilik Akhir
x x x x
With Major/Controlling Shareholders
and the Government of Indonesia as the
Ultimate Owner Entity
v = ada | x = tidak ada
v = exists | x = none
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Transparansi Rangkap Jabatan Komite Audit
Transparency of Concurrent Position of the Audit Committee
Rangkap Jabatan di
Nama Jabatan Pegadaian Rangkap Jabatan di Perseroan/Instansi Lain
Name Position Concurrent Position at Concurrent Position in Other Companies/Institutions
Pegadaian
Komisaris Independen Asesor Lembaga Sertifikasi Pasar Modal (LSP PM)
Ketua
Yudi Priambodo P. Independent Assessor at Capital Market Certification Institution
Chairman
Commissioner (LSP PM)
Dosen pengajar di Departemen Hubungan Internasional
Fakultas Ilmu Sosial dan Ilmu Politik Universitas
Komisaris Independen
Anggota Indonesia
Makmur Keliat Independent
Member Lecturer at the Department of International Relations,
Commissioner
Faculty of Social and Political Sciences, University of
Indonesia
• Konsultan di PPA FEB Universitas Indonesia
Anggota Komisaris • Direktur di PT Iradhi Solusindo Abadi
Alpin Napitupulu
Member Commissioner • Consultant at PPA FEB University of Indonesia
• Director at PT Iradhi Solusindo Abadi
• Komisaris di PT Bagaskara Energi Indonesia
Anggota Tidak Ada • Managing Partner di VT Consulting
Vicky Taufik
Member None • Commissioner at PT Bagaskara Energi Indonesia
• Managing Partner at VT Consulting
Program Peningkatan Kompetensi Competency Improvement Program
Program peningkatan kompetensi dilakukan oleh The competency improvement program is carried out
Komite Audit agar senantiasa dapat mengikuti serta by the Audit Committee so that it can always follow
memperbaharui informasi tentang perkembangan and update information on the latest developments
terkini dari aktivitas usaha Perseroan dan pengetahuan- in the Company’s business activities and other
pengetahuan lain terkait dengan pelaksanaan knowledge related to the implementation of the
tugas Komite Audit. Tentang program peningkatan Audit Committee’s duties. Regarding the competency
kompetensi yang diikuti Komite Audit di sepanjang improvement program that will be followed by the
tahun 2023 dapat dilihat pada bab Profil Perseroan Audit Committee throughout 2023 can be seen in the
dalam Laporan Tahunan ini. Company Profile chapter in this Annual Report.
Kebijakan Remunerasi Remuneration Policy
Sesuai dengan Peraturan Menteri BUMN No. PER- In accordance with the Regulation of Minister of SOEs
3/MBU/03/2023 tentang Organ dan Sumber Daya No. PER-06/MBU/04/2021 concerning Amendments
Manusia Badan Usaha Milik Negara, penghasilan to the Regulation of the Minister of State-Owned
Anggota Komite ditetapkan oleh Dewan Komisaris Enterprises Number PER-12/MBU/2012 concerning
dengan memperhatikan kemampuan Perusahaan. Supporting Organs for the Board of Commissioners/
Penghasilan Anggota Komite Audit, Komite Nominasi Supervisory Board of State-Owned Enterprises,
dan Remunerasi, dan Komite Pemantau Risiko terdiri the income of Committee Members is determined
dari honorarium dengan maksimal sebesar 20% (dua by the Board of Commissioners with regard to the
puluh persen) dari gaji Direktur Utama Perusahaan, Company’s capabilities. The income of members of
fasilitas kesehatan berupa rawat inap, rawat jalan, dan the Audit Committee, Nomination and Remuneration
obat-obatan bagi yang bersangkutan, tidak termasuk Committee and Risk Monitoring Committee consists
keluarga, dan tunjangan hari raya yang dibayarkan of honorarium with a maximum of 20% (twenty
sekali dalam 1 (satu) tahun sebesar 1 (satu) kali percent) of the salary of the Company’s President
honorarium. Director, health facilities in the form of inpatient care,
outpatient care and medicines for those concerned,
does not include family and holiday allowances which
are paid once in 1 (one) year in the amount of 1 (one)
time the honorarium.
PT Pegadaian | 2023 Annual Report 433
Page 434
Tata Kelola Perusahaan
Corporate Governance
Anggota Dewan Komisaris yang menjadi Ketua/ Members of the Board of Commissioners who are
Anggota Komite Audit, Komite Nominasi dan Chair/ Members of the Audit Committee, Nomination
Remunerasi, dan Komite Pemantau Risiko tidak and Remuneration Committee, and Risk Monitoring
diberikan penghasilan tambahan dari jabatan Committee are not given additional income from these
tersebut selain penghasilan sebagai anggota Dewan positions other than income as members of the Board of
Komisaris. Kebijakan remunerasi bagi Komite Audit, Commissioners. The remuneration policy for the Audit
Komite Nominasi dan Remunerasi, dan Komite Committee, Nomination and Remuneration Committee,
Pemantau Risiko yang bukan merupakan anggota and Risk Monitoring Committee who are not members
Dewan Komisaris telah diatur berdasarkan Surat of the Board of Commissioners has been regulated
Dewan Komisaris No. S-41/DK.GD/09/2022 tanggal based on Decree of the Board of Commissioners
19 September 2022 perihal Tunjangan dan Fasilitas No. S-41/DK.GD/09/2022 dated September 19, 2022
Organ Dewan Komisaris PT Pegadaian dan Surat concerning Allowances and Facilities for the Organs
Dewan Komisaris No. S-44/DK.GD/11/2023 tanggal of the Board of Commissioners of PT Pegadaian and
8 November 2023 perihal Honorarium, Tunjangan, Decree of the Board of Commissioners No. S-44/
dan Fasilitas Organ Dewan Komisaris PT Pegadaian , DK.GD/11/2023 dated November 8, 2023 concerning
dengan rincian sebagai berikut: Honorarium, Allowances and Organ Facilities for the
Board of Commissioners of PT Pegadaian, with the
following details:
Remunerasi Komite Audit Tahun 2023
Remuneration of the Audit Committee in 2023
Komite Audit*
Bulan Uraian Audit Committee
Month Description
Vicky Taufik Alpin Napitupulu
Januari 2023 Honorarium 30.100.000 30.100.000
Februari 2023 Honorarium 30.100.000 30.100.000
Maret 2023 Honorarium 30.100.000 30.100.000
April 2023 THR 20.066.667 30.100.000
April 2023 Honorarium 30.100.000 30.100.000
Mei 2023 Honorarium 30.100.000 30.100.000
Juni 2023 Honorarium 30.100.000 30.100.000
Juli 2023 Honorarium 35.000.000 35.000.000
Agustus 2023 Honorarium 35.000.000 35.000.000
September 2023 Honorarium 35.000.000 35.000.000
Oktober 2023 Honorarium 35.000.000 35.000.000
November 2023 Honorarium 35.000.000 35.000.000
Desember 2023 Honorarium 35.000.000 35.000.000
JUMLAH
410.666.667 420.700.000
TOTAL
*) Anggota Komite Audit Independen-Non Komisaris
*) Independent Audit Committee Member-Non-Commissioner
Rapat Komite Audit Meeting of the Audit Committee
Sesuai dengan Piagam Komite Audit dan Rencana In accordance with the Audit Committee Charter and
Kerja Komite Audit, rapat Komite Audit dilakukan the Audit Committee Work Plan, Audit Committee
secara berkala sekurang-kurangnya 1 (satu) kali dalam meetings are held periodically at least once a month.
sebulan. Keputusan Rapat Komite Audit diambil Audit Committee Meeting decisions are taken based
berdasarkan musyawarah mufakat. Selama tahun on deliberation and consensus. During 2023, the
2023, Komite Audit telah melakukan 50 kali rapat Audit Committee held 50 meetings including 13
meliputi 13 kali rapat internal dengan Dewan Komisaris, internal meetings with the Board of Commissioners,
14 kali rapat koordinasi Dewan Komisaris, Komite dan 14 coordination meetings with the Board of
434 Laporan Tahunan 2023 | PT Pegadaian
Page 435
Direksi dan 23 kali rapat koordinasi Komite dengan Commissioners, Committees and Board of Directors
mengundang Divisi Manajemen Kinerja Perusahaan, and 23 Committee coordination meetings inviting
Satuan Pengawasan Intern (SPI), SEVP Manajemen the Company’s Performance Management Division,
Risiko, serta Divisi terkait lainnya. Internal Audit Unit (SPI), SEVP Risk Management, as
well as other related divisions.
Rapat Komite Audit, Komite Pemantau Risiko, dan Meetings of the Audit Committee, Risk Monitoring
Komite Nominasi dan Remunerasi dengan Dewan Committee, and Nomination and Remuneration
Komisaris dapat diikuti dalam bab rapat internal Committee with the Board of Commissioners can
Dewan Komisaris. Adapun rapat Komite Audit, be followed in the chapter on internal meetings of
Komite Pemantau Risiko, dan Komite Nominasi the Board of Commissioners. The meetings of the
dan Remunerasi dengan Divisi Manajemen Kinerja Audit Committee, Risk Monitoring Committee, and
Perusahaan, Satuan Pengawasan Intern (SPI), SEVP Nomination and Remuneration Committee with
Manajemen Risiko, serta Divisi terkait lainnya, sebagai the Company’s Performance Management Division,
berikut: Internal Monitoring Unit (SPI), SEVP Risk Management,
and other related divisions, are as follows:
Agenda and Participants of Meeting of the Audit Committee
Table of Coordination Meeting Attended by the Board of Commissioners
Tanggal
Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Meeting Agenda Meeting Participant
Date
1. 11 Januari 2023 Pembahasan Update Usulan Rencana 1. Dewan Komisaris
January 11, 2023 Kerja dan Anggaran Perusahaan (RKAP) 2. Direktur Keuangan dan Manajemen Risiko
Tahun 2023 (Final) dan Perkembangan 3. Komite Audit
Penyusunan Rencana Jangka Panjang 4. Komite Pemantau Risiko
Perusahaan (RJPP) PT Pegadaian 5. Komite Nominasi dan Remunerasi
Discussion of Update on Proposed 1. Board of Commissioners
Company Work Plan and Budget 2. Director of Finance and Risk Management
(RKAP) for 2023 (Final) and Progress in 3. Audit Committee
Arrangement of PT Pegadaian's Long Term 4. Risk Monitoring Committee
Company Plan (RJPP) 5. Nomination and Remuneration Committee
2. 13 Januari 2023 Perkenalan Dewan Komisaris PT Pegadaian 1. Dewan Komisaris
January 13, dengan: 2. Direktur Human Capital, Legal, dan Compliance
2023 a. Calon Anggota Direksi PT Pegadaian 3. Komite Nominasi dan Remunerasi
Galeri Dua Empat, dan 4. Komite Audit
b. Calon Anggota Direksi PT Pesonna 5. Komite Pemantau Risiko
Indonesia Jaya 6. Sdri. Endah Susiani sebagai Calon Direktur PT
Introduction of the Board of Pegadaian Galeri Dua Empat
Commissioners of PT Pegadaian with: 7. Sdr. Muhammad Nurkasan sebagai Calon Direktur
a. Candidate Member of the Board of PT Pesonna Indonesia Jaya
Directors of PT Pegadaian Galeri Dua 1. Board of Commissioners
Empat, and 2. Director of Human Capital, Legal and Compliance
b. Candidate for Member of the Board of 3. Nomination and Remuneration Committee
Directors of PT Pesonna Indonesia Jaya 4. Audit Committee
5. Risk Monitoring Committee
6. Endah Susiani as Candidate for Director of PT
Pegadaian Galeri Dua Empat
7. Muhammad Nurkasan as Candidate for Director of
PT Pesonna Indonesia Jaya
3. 2 Februari 2023 Pembahasan Update Kegiatan Standarisasi 1. Dewan Komisaris
February 2, Outlet, Pembangunan Pegadaian Tower 2. Direksi
2023 dan Implementasi P3DN termasuk Tindak 3. Komite Audit
Lanjut Hasil Review BPKP 4. Komite Pemantau Risiko
Discussion of Updates on Outlet 5. Komite Nominasi dan Remunerasi
Standardization Activities, Pegadaian 1. Board of Commissioners
Tower Construction and P3DN 2. Board of Directors
Implementation including Follow-up to 3. Audit Committee
BPKP Review Results 4. Risk Monitoring Committee
5. Nomination and Remuneration Committee
PT Pegadaian | 2023 Annual Report 435
Page 436
Tata Kelola Perusahaan
Corporate Governance
Agenda and Participants of Meeting of the Audit Committee
Table of Coordination Meeting Attended by the Board of Commissioners
Tanggal
Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Meeting Agenda Meeting Participant
Date
4. 6 Juni 2023 Pembahasan Pengembangan Karier 1. Dewan Komisaris
June 6, 2023 (Carrier Path) Karyawan PT Pegadaian 2. Direktur Human Capital, Legal dan Compliance
Discussion of Career Development (Career 3. Komite Nominasi dan Remunerasi
Path) for PT Pegadaian Employees 4. Komite Audit
5. Komite Pemantau Risiko
1. Board of Commissioners
2. Director of Human Capital, Legal and Compliance
3. Nomination and Remuneration Committee
4. Audit Committee
5. Risk Monitoring Committee
5. 13 Juni 2023 Pembahasan Kesiapan Keamanan Sistem 1. Dewan Komisaris
June 13, 2023 IT PT Pegadaian dan Progres Aplikasi 2. Direktur Teknologi Informasi dan Digital
Neo4G 3. Komite Audit
Discussion of PT Pegadaian's IT System 4. Komite Pemantau Risiko
Security Readiness and Neo4G Application 5. Komite Nominasi dan Remunerasi
Progress 1. Board of Commissioners
2. Director of Information Technology and Digital
3. Audit Committee
4. Risk Monitoring Committee
5. Nomination and Remuneration Committee
6. 2 Agustus 2023 Pembahasan Permohonan 1. Dewan Komisaris
August 2, 2023 Penandatanganan Dokumen Sehubungan 2. Direktur Keuangan dan Perencanaan Strategis
dengan Proses Penerbitan Obligasi dan 3. Komite Audit
Sukuk PT Pegadaian 4. Komite Pemantau Risiko
Discussion of Document Signing Request 5. Komite Nominasi dan Remunerasi
in Connection with the Issuance Process of 1. Board of Commissioners
PT Pegadaian Bonds and Sukuk 2. Director of Finance and Strategic Planning
3. Audit Committee
4. Risk Monitoring Committee
5. Nomination and Remuneration Committee
7. 14 Agustus 2023 Pembahasan Pedoman Penerapan 1. Dewan Komisaris
August 14, 2023 Program Anti Pencucian Uang, 2. Direktur Manajemen Risiko, Legal dan Kepatuhan
Pencegahan Pendanaan Terorisme, dan 3. Komite Pemantau Risiko
Pencegahan Pendanaan Proliferasi Senjata 4. Komite Audit
Pemusnah Massal (APU, PPT dan PPPSPM) 5. Komite Nominasi dan Remunerasi
Discussion of Guidelines for 1. Board of Commissioners
Implementation of Anti-Money Laundering 2. Director of Risk Management, Legal and
Program, Prevention of Terrorism Compliance
Financing, and Prevention of Funding 3. Risk Monitoring Committee
for the Proliferation of Weapons of Mass 4. Audit Committee
Destruction (APU, PPT and PPPSPM) 5. Nomination and Remuneration Committee
8. 7 September Pembahasan Progres Belanja Modal Tahun 1. Dewan Komisaris
2023 2023 dan Rencana Belanja Modal Tahun 2. Direktur Umum
September 7, 2024 3. Direktur Teknologi Informasi dan Digital
2023 Discussion of 2023 Capital Expenditure 4. Direktur Jaringan, Operasi dan Penjualan
Progress and 2024 Capital Expenditure 5. Komite Audit
Plans 6. Komite Pemantau Risiko
7. Komite Nominasi dan Remunerasi
1. Board of Commissioners
2. Director of General Affairs
3. Director of Information Technology and Digital
4. Director of Network, Operations and Sales
5. Audit Committee
6. Risk Monitoring Committee
7. Nomination and Remuneration Committee
436 Laporan Tahunan 2023 | PT Pegadaian
Page 437
Agenda and Participants of Meeting of the Audit Committee
Table of Coordination Meeting Attended by the Board of Commissioners
Tanggal
Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Meeting Agenda Meeting Participant
Date
9. 7 November Pembahasan Pedoman Penanganan 1. Dewan Komisaris
2023 Benturan Kepentingan PT Pegadaian 2. Direktur Manajemen Risiko, Legal dan Kepatuhan
November 7, Discussion of PT Pegadaian's Guidelines 3. Komite Pemantau Risiko
2023 for Handling Conflicts of Interest 4. Komite Audit
5. Komite Nominasi dan Remunerasi
1. Board of Commissioners
2. Director of Risk Management, Legal and
Compliance
3. Risk Monitoring Committee
4. Audit Committee
5. Nomination and Remuneration Committee
10. 9 November Pembahasan Badan Hukum Terafiliasi 1. Dewan Komisaris
2023 PT Pegadaian (Dana Pensiun Pegadaian 2. Direksi
November 9, dan Yayasan Kesejahteraan Pegadaian 3. Pengurus dan Pengawas Dana Pensiun Pegadaian
2023 Permata) serta Rencana Strategis dan Yayasan Kesejahteraan Pegadaian Permata
Pengembangan PT Pesonna Indonesia 4. Komite Audit
Jaya (PIJ) 5. Komite Pemantau Risiko
Discussion of PT Pegadaian Affiliated Legal 6. Komite Nominasi dan Remunerasi
Entities (Pegadaian Pension Fund and 1. Board of Commissioners
Pegadaian Permata Welfare Foundation) 2. Board of Directors
as well as PT Pesonna Indonesia Jaya (PIJ) 3. Management and Supervisor of the Pegadaian
Strategic Development Plan Pension Fund and the Pegadaian Permata Welfare
Foundation
4. Audit Committee
5. Risk Monitoring Committee
6. Nomination and Remuneration Committee
11. 21 November Perkenalan Dewan Komisaris dengan Calon 1. Dewan Komisaris
2023 Sekretaris Perusahaan PT Pegadaian 2. Sdr. Zulfan Adam sebagai Calon Sekretaris
November 21, Introduction of the Board of Perusahaan PT Pegadaian
2023 Commissioners with the Candidate for PT 3. Komite Audit
Pegadaian Corporate Secretary 4. Komite Pemantau Risiko
5. Komite Nominasi dan Remunerasi
1. Board of Commissioners
2. Zulfan Adam as Candidate for Corporate
Secretary of PT Pegadaian
3. Audit Committee
4. Risk Monitoring Committee
5. Nomination and Remuneration Committee
12. 21 November Pembahasan Lanjutan terkait Draft 1. Dewan Komisaris
2023 Pedoman Penanganan Benturan 2. Direktur Manajemen Risiko, Legal dan Kepatuhan
November 21, Kepentingan PT Pegadaian 3. Komite Pemantau Risiko
2023 Continued discussion on the Draft 4. Komite Audit
Guidelines for Handling Conflicts of 5. Komite Nominasi dan Remunerasi
Interest of PT Pegadaian 1. Board of Commissioners
2. Director of Risk Management, Legal and
Compliance
3. Risk Monitoring Committee
4. Audit Committee
5. Nomination and Remuneration Committee
PT Pegadaian | 2023 Annual Report 437
Page 438
Tata Kelola Perusahaan
Corporate Governance
Agenda and Participants of Meeting of the Audit Committee
Table of Coordination Meeting Attended by the Board of Commissioners
Tanggal
Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Meeting Agenda Meeting Participant
Date
13. 22 November Pembahasan Kinerja Transformation Office, 1. Dewan Komisaris
2023 Mekanisme Proses Produk Baru serta 2. Direktur Manajemen Risiko, Legal dan Kepatuhan
November 22, Evaluasinya, dan Penerapan Budaya Kerja 3. SEVP Transformation Office
2023 Discussion of Transformation Office 4. Kepala Satuan Pengawasan Intern
Performance, New Product Process 5. Komite Pemantau Risiko
Mechanism and Evaluation, and 6. Komite Audit
Implementation of Work Culture 7. Komite Nominasi dan Remunerasi
1. Board of Commissioners
2. Director of Risk Management, Legal and
Compliance
3. SEVP Transformation Office
4. Head of Internal Audit Unit
5. Risk Monitoring Committee
6. Audit Committee
7. Nomination and Remuneration Committee
14. 13 Desember Pembahasan Update Progress Project 1. Dewan Komisaris
2023 Interconnected Human Capital 2. Direktur Human Capital
December 13, Management (IHCM) 3. Komite Pemantau Risiko
2023 Discussion of Interconnected Human 4. Komite Audit
Capital Management (IHCM) Project 5. Komite Nominasi dan Remunerasi
Progress Update 1. Board of Commissioners
2. Director of Human Capital
3. Risk Monitoring Committee
4. Audit Committee
5. Nomination and Remuneration Committee
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
1. 13 Januari 2023 Pembahasan Program 1. Kepala Satuan Pengawasan Intern
January 13, 2023 Kerja Pemeriksaan Tahunan 2. Komite Audit
SPI PT Pegadaian Tahun 3. Komite Pemantau Risiko
2023 4. Komite Nominasi dan Remunerasi
Discussion of PT 1. Head of Internal Audit Unit
Pegadaian's 2023 SPI 2. Audit Committee
Annual Inspection Work 3. Risk Monitoring Committee
Program 4. Nomination and Remuneration Committee
438 Laporan Tahunan 2023 | PT Pegadaian
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Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
2. 18 Januari 2023 1. Pembahasan Kinerja 1. SEVP Manajemen Risiko
January 18, 2023 Perusahaan s.d. bulan 2. SEVP Satuan Pengawasan Intern
Desember 2022; 3. SEVP Transformation Office
2. Pembahasan Profil 4. Kepala Divisi Manajemen Kinerja Perusahaan
Risiko bulan Desember 5. Kepala Divisi Akuntansi
2022; 6. Kepala Divisi Perencanaan Strategis
3. Pembahasan Hasil Audit 7. Kepala Divisi Tresuri
SPI s.d. bulan Desember 8. Kepala Divisi Manajemen Risiko, Operasi dan Korporasi
2022; 9. Kepala Divisi Risiko Kredit & Asuransi
4. Pembahasan Kinerja 10. Kepala Divisi Strategi Human Capital
Sumber Daya Manusia 11. Kepala Divisi Budaya Kerja
s.d. bulan Desember 12. Kepala Divisi Operasional Human Capital
2022. 13. Kepala Divisi Pegadaian Corporate University
1. Discussion of Company 14. Kepala Divisi Kepatuhan
Performance as of 15. Kepala Divisi Penjualan
December 2022; 16. Kepala Divisi Hubungan Kelembagaan
2. Discussion of Risk 17. Kepala Divisi Produk Gadai
Profile for December 18. Kepala Divisi Unit Usaha Syariah
2022; 19. Kepala Divisi Pemasaran
3. Discussion of SPI Audit 20. Kepala Divisi Produk Mikro Fidusia
Results as of December 21. Kepala Divisi Produk Emas
2022; 22. Kepala Divisi Jaringan dan Operasional
4. Discussion of Human 23. Kepala Divisi Manajemen Aset Tetap
Resources Performance 24. Komite Audit
as of December 2022. 25. Komite Pemantau Risiko
26. Komite Nominasi dan Remunerasi
1. SEVP Risk Management
2. SEVP Internal Audit Unit
3. SEVP Transformation Office
4. Head of Company Performance Management Division
5. Head of Accounting Division
6. Head of Strategic Planning Division
7. Head of Treasury Division
8. Head of Risk Management, Operations and Corporate
Division
9. Head of Credit Risk & Insurance Division
10. Head of Human Capital Strategy Division
11. Head of Work Culture Division
12. Head of Human Capital Operations Division
13. Head of Pegadaian Corporate University Division
14. Head of Compliance Division
15. Head of Sales Division
16. Head of Institutional Relations Division
17. Head of Pawn Products Division
18. Head of Sharia Business Unit Division
19. Head of Marketing Division
20. Head of Micro Fiduciary Products Division
21. Head of Gold Products Division
22. Head of Network and Operations Division
23. Head of Fixed Asset Management Division
24. Audit Committee
25. Risk Monitoring Committee
26. Nomination and Remuneration Committee
PT Pegadaian | 2023 Annual Report 439
Page 440
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
3. 20 Februari 2023 1. Pembahasan Kinerja 1. SEVP Manajemen Risiko
February 20, 2023 Perusahaan s.d. bulan 2. SEVP Satuan Pengawasan Intern
Januari 2023; 3. SEVP Transformation Office
2. Pembahasan Profil 4. Kepala Divisi Manajemen Kinerja Perusahaan
Risiko bulan Januari 5. Kepala Divisi Akuntansi
2023; 6. Kepala Divisi Perencanaan Strategis
3. Pembahasan Hasil Audit 7. Kepala Divisi Tresuri
SPI s.d. bulan Januari 8. Kepala Divisi Manajemen Risiko, Operasi dan Korporasi
2023; 9. Kepala Divisi Risiko Kredit & Asuransi
4. Pembahasan Kinerja 10. Kepala Divisi Strategi Human Capital
Sumber Daya Manusia 11. Kepala Divisi Budaya Kerja
s.d. bulan Januari 2023. 12. Kepala Divisi Operasional Human Capital
1. Discussion of Company 13. Kepala Divisi Pegadaian Corporate University
Performance as of 14. Kepala Divisi Kepatuhan
January 2023; 15. Kepala Divisi Penjualan
2. Discussion of Risk 16. Kepala Divisi Hubungan Kelembagaan
Profile for January 17. Kepala Divisi Produk Gadai
2023; 18. Kepala Divisi Unit Usaha Syariah
3. Discussion of SPI Audit 19. Kepala Divisi Pemasaran
Results as of January 20. Kepala Divisi Produk Mikro Fidusia
2023; 21. Kepala Divisi Produk Emas
4. Discussion of Human 22. Kepala Divisi Jaringan dan Operasional
Resources Performance 23. Kepala Divisi Manajemen Aset Tetap
as of January 2023. 24. Komite Audit
25. Komite Pemantau Risiko
26. Komite Nominasi dan Remunerasi
1. SEVP Risk Management
2. SEVP Internal Audit Unit
3. SEVP Transformation Office
4. Head of Company Performance Management Division
5. Head of Accounting Division
6. Head of Strategic Planning Division
7. Head of Treasury Division
8. Head of Risk Management, Operations and Corporate
Division
9. Head of Credit Risk & Insurance Division
10. Head of Human Capital Strategy Division
11. Head of Work Culture Division
12. Head of Human Capital Operations Division
13. Head of the Pegadaian Corporate University Division
14. Head of Compliance Division
15. Head of Sales Division
16. Head of Institutional Relations Division
17. Head of Pawn Products Division
18. Head of Sharia Business Unit Division
19. Head of Marketing Division
20. Head of Micro Fiduciary Products Division
21. Head of Gold Products Division
22. Head of Network and Operations Division
23. Head of Fixed Asset Management Division
24. Audit Committee
25. Risk Monitoring Committee
26. Nomination and Remuneration Committee
440 Laporan Tahunan 2023 | PT Pegadaian
Page 441
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
4. 21 Maret 2023 1. Pembahasan Kinerja 1. SEVP Manajemen Risiko
March 21, 2023 Perusahaan s.d. bulan 2. SEVP Satuan Pengawasan Intern
Februari 2023; 3. SEVP Transformation Office
2. Pembahasan Profil 4. Kepala Divisi Manajemen Kinerja Perusahaan
Risiko bulan Februari 5. Kepala Divisi Akuntansi
2023; 6. Kepala Divisi Perencanaan Strategis
3. Pembahasan Hasil Audit 7. Kepala Divisi Tresuri
SPI s.d. bulan Februari 8. Kepala Divisi Manajemen Risiko, Operasi dan Korporasi
2023; 9. Kepala Divisi Risiko Kredit & Asuransi
4. Pembahasan Kinerja 10. Kepala Divisi Strategi Human Capital
Sumber Daya Manusia 11. Kepala Divisi Budaya Kerja
s.d. bulan Februari 12. Kepala Divisi Operasional Human Capital
2023. 13. Kepala Divisi Pegadaian Corporate University
1. Discussion of Company 14. Kepala Divisi Kepatuhan
Performance as of 15. Kepala Divisi Penjualan
February 2023; 16. Kepala Divisi Hubungan Kelembagaan
2. Discussion of Risk 17. Kepala Divisi Produk Gadai
Profile for February 18. Kepala Divisi Unit Usaha Syariah
2023; 19. Kepala Divisi Pemasaran
3. Discussion of SPI Audit 20. Kepala Divisi Produk Mikro Fidusia
Results as of February 21. Kepala Divisi Produk Emas
2023; 22. Kepala Divisi Jaringan dan Operasional
4. Discussion of Human 23. Kepala Divisi Manajemen Aset Tetap
Resources Performance 24. Komite Audit
as of February 2023. 25. Komite Pemantau Risiko
26. Komite Nominasi dan Remunerasi
1. SEVP Risk Management
2. SEVP Internal Audit Unit
3. SEVP Transformation Office
4. Head of Company Performance Management Division
5. Head of Accounting Division
6. Head of Strategic Planning Division
7. Head of Treasury Division
8. Head of Risk Management, Operations and Corporate
Division
9. Head of Credit Risk & Insurance Division
10. Head of Human Capital Strategy Division
11. Head of Work Culture Division
12. Head of Human Capital Operations Division
13. Head of Pegadaian Corporate University Division
14. Head of Compliance Division
15. Head of Sales Division
16. Head of Institutional Relations Division
17. Head of Pawn Products Division
18. Head of Sharia Business Unit Division
19. Head of Marketing Division
20. Head of Micro Fiduciary Products Division
21. Head of Gold Products Division
22. Head of Network and Operations Division
23. Head of Fixed Asset Management Division
24. Audit Committee
25. Risk Monitoring Committee
26. Nomination and Remuneration Committee
PT Pegadaian | 2023 Annual Report 441
Page 442
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
5. 17 April 2023 1. Pembahasan Kinerja 1. SEVP Manajemen Risiko
April 17, 2023 Perusahaan s.d. bulan 2. SEVP Satuan Pengawasan Intern
Maret 2023; 3. SEVP Transformation Office
2. Pembahasan Profil 4. Kepala Divisi Manajemen Kinerja Perusahaan
Risiko bulan Maret 5. Kepala Divisi Akuntansi
2023; 6. Kepala Divisi Perencanaan Strategis
3. Pembahasan Hasil Audit 7. Kepala Divisi Tresuri
SPI s.d. bulan Maret 8. Kepala Divisi Manajemen Risiko, Operasi dan Korporasi
2023; 9. Kepala Divisi Risiko Kredit & Asuransi
4. Pembahasan Kinerja 10. Kepala Divisi Strategi Human Capital
Sumber Daya Manusia 11. Kepala Divisi Budaya Kerja
s.d. bulan Maret 2023. 12. Kepala Divisi Operasional Human Capital
1. Discussion of Company 13. Kepala Divisi Pegadaian Corporate University
Performance as of 14. Kepala Divisi Kepatuhan
March 2023; 15. Kepala Divisi Penjualan
2. Discussion of Risk 16. Kepala Divisi Hubungan Kelembagaan
Profile for March 2023; 17. Kepala Divisi Produk Gadai
3. Discussion of SPI Audit 18. Kepala Divisi Unit Usaha Syariah
Results as of March 19. Kepala Divisi Pemasaran
2023; 20. Kepala Divisi Produk Mikro Fidusia
4. Discussion of Human 21. Kepala Divisi Produk Emas
Resources Performance 22. Kepala Divisi Jaringan dan Operasional
as of March 2023. 23. Kepala Divisi Manajemen Aset Tetap
24. Komite Audit
25. Komite Pemantau Risiko
26. Komite Nominasi dan Remunerasi
1. SEVP Risk Management
2. SEVP Internal Audit Unit
3. SEVP Transformation Office
4. Head of Company Performance Management Division
5. Head of Accounting Division
6. Head of Strategic Planning Division
7. Head of Treasury Division
8. Head of Risk Management, Operations and Corporate
Division
9. Head of Credit Risk & Insurance Division
10. Head of Human Capital Strategy Division
11. Head of Work Culture Division
12. Head of Human Capital Operations Division
13. Head of Pegadaian Corporate University Division
14. Head of Compliance Division
15. Head of Sales Division
16. Head of Institutional Relations Division
17. Head of Pawn Products Division
18. Head of Sharia Business Unit Division
19. Head of Marketing Division
20. Head of Micro Fiduciary Products Division
21. Head of Gold Products Division
22. Head of Network and Operations Division
23. Head of Fixed Asset Management Division
24. Audit Committee
25. Risk Monitoring Committee
26. Nomination and Remuneration Committee
442 Laporan Tahunan 2023 | PT Pegadaian
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Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
6. 17 Mei 2023 1. Pembahasan Kinerja 1. SEVP Manajemen Risiko
May 17, 2023 Perusahaan s.d. bulan 2. SEVP Satuan Pengawasan Intern
April 2023; 3. SEVP Transformation Office
2. Pembahasan Profil 4. Kepala Divisi Manajemen Kinerja Perusahaan
Risiko bulan April 2023; 5. Kepala Divisi Akuntansi
3. Pembahasan Hasil Audit 6. Kepala Divisi Perencanaan Strategis
SPI s.d. bulan April 7. Kepala Divisi Tresuri
2023; 8. Kepala Divisi Manajemen Risiko, Operasi dan Korporasi
4. Pembahasan Kinerja 9. Kepala Divisi Risiko Kredit & Asuransi
Sumber Daya Manusia 10. Kepala Divisi Strategi Human Capital
s.d. bulan April 2023. 11. Kepala Divisi Budaya Kerja
1. Discussion of Company 12. Kepala Divisi Operasional Human Capital
Performance as of April 13. Kepala Divisi Pegadaian Corporate University
2023; 14. Kepala Divisi Kepatuhan
2. Discussion of Risk 15. Kepala Divisi Penjualan
Profile for April 2023; 16. Kepala Divisi Hubungan Kelembagaan
3. Discussion of SPI Audit 17. Kepala Divisi Produk Gadai
Results as of April 2023; 18. Kepala Divisi Unit Usaha Syariah
4. Discussion of Human 19. Kepala Divisi Pemasaran
Resources Performance 20. Kepala Divisi Produk Mikro Fidusia
as of April 2023. 21. Kepala Divisi Produk Emas
22. Kepala Divisi Jaringan dan Operasional
23. Kepala Divisi Manajemen Aset Tetap
24. Komite Audit
25. Komite Pemantau Risiko
26. Komite Nominasi dan Remunerasi
1. SEVP Risk Management
2. SEVP Internal Audit Unit
3. SEVP Transformation Office
4. Head of Company Performance Management Division
5. Head of Accounting Division
6. Head of Strategic Planning Division
7. Head of Treasury Division
8. Head of Risk Management, Operations and Corporate
Division
9. Head of Credit Risk & Insurance Division
10. Head of Human Capital Strategy Division
11. Head of Work Culture Division
12. Head of Human Capital Operations Division
13. Head of the Pegadaian Corporate University Division
14. Head of Compliance Division
15. Head of Sales Division
16. Head of Institutional Relations Division
17. Head of Pawn Products Division
18. Head of Sharia Business Unit Division
19. Head of Marketing Division
20. Head of Micro Fiduciary Products Division
21. Head of Gold Products Division
22. Head of Network and Operations Division
23. Head of Fixed Asset Management Division
24. Audit Committee
25. Risk Monitoring Committee
26. Nomination and Remuneration Committee
PT Pegadaian | 2023 Annual Report 443
Page 444
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
7. 20 Juni 2023 1. Pembahasan Kinerja 1. SEVP Manajemen Risiko
June 20, 2023 Perusahaan s.d. bulan 2. SEVP Satuan Pengawasan Intern
Mei 2023; 3. SEVP Transformation Office
2. Pembahasan Profil 4. Kepala Divisi Manajemen Kinerja Perusahaan
Risiko bulan Mei 2023; 5. Kepala Divisi Akuntansi
3. Pembahasan Hasil Audit 6. Kepala Divisi Perencanaan Strategis
SPI s.d. bulan Mei 2023; 7. Kepala Divisi Tresuri
4. Pembahasan Kinerja 8. Kepala Divisi Manajemen Risiko, Operasi dan Korporasi
Sumber Daya Manusia 9. Kepala Divisi Risiko Kredit & Asuransi
s.d. bulan Mei 2023. 10. Kepala Divisi Strategi Human Capital
1. Discussion of Company 11. Kepala Divisi Budaya Kerja
Performance as of May 12. Kepala Divisi Operasional Human Capital
2023; 13. Kepala Divisi Pegadaian Corporate University
2. Discussion of Risk 14. Kepala Divisi Kepatuhan
Profile for May 2023; 15. Kepala Divisi Penjualan
3. Discussion of SPI Audit 16. Kepala Divisi Hubungan Kelembagaan
Results as of May 2023; 17. Kepala Divisi Produk Gadai
4. Discussion of Human 18. Kepala Divisi Unit Usaha Syariah
Resources Performance 19. Kepala Divisi Pemasaran
up as of May 2023. 20. Kepala Divisi Produk Mikro Fidusia
21. Kepala Divisi Produk Emas
22. Kepala Divisi Jaringan dan Operasional
23. Kepala Divisi Manajemen Aset Tetap
24. Komite Audit
25. Komite Pemantau Risiko
26. Komite Nominasi dan Remunerasi
1. SEVP Risk Management
2. SEVP Internal Audit Unit
3. SEVP Transformation Office
4. Head of Company Performance Management Division
5. Head of Accounting Division
6. Head of Strategic Planning Division
7. Head of Treasury Division
8. Head of Risk Management, Operations and Corporate
Division
9. Head of Credit Risk & Insurance Division
10. Head of Human Capital Strategy Division
11. Head of Work Culture Division
12. Head of Human Capital Operations Division
13. Head of Pegadaian Corporate University Division
14. Head of Compliance Division
15. Head of Sales Division
16. Head of Institutional Relations Division
17. Head of Pawn Products Division
18. Head of Sharia Business Unit Division
19. Head of Marketing Division
20. Head of Micro Fiduciary Products Division
21. Head of Gold Products Division
22. Head of Network and Operations Division
23. Head of Fixed Asset Management Division
24. Audit Committee
25. Risk Monitoring Committee
26. Nomination and Remuneration Committee
444 Laporan Tahunan 2023 | PT Pegadaian
Page 445
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
8. 17 Juli 2023 1. Pembahasan Hal-hal 1. Direktur Human Capital
July 17, 2023 Strategis 2. Direktur Manajemen Risiko, Legal dan Kepatuhan
2. Tenaga Outsourcing; 3. Kepala Satuan Pengawasan Intern
3. Kaji Ulang Proses 4. Komite Audit
Operasional di Cabang/ 5. Komite Pemantau Risiko
UPC, Kecukupan 6. Komite Nominasi dan Remunerasi
Manajemen Risiko, dan 1. Director of Human Capital
Strategi Anti Fraud; 2. Director of Risk Management, Legal and Compliance
4. Hal-hal Strategis 3. Head of Internal Audit Unit
Lainnya. 4. Audit Committee
1. Discussion of Strategic 5. Risk Monitoring Committee
Matters 6. Nomination and Remuneration Committee
2. Outsourced Staff;
3. Review of Operational
Processes in Branches/
UPCs, Adequacy of Risk
Management, and Anti-
Fraud Strategy;
4. Other Strategic Matters.
PT Pegadaian | 2023 Annual Report 445
Page 446
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
9. 18 Juli 2023 1. Pembahasan Kinerja 1. SEVP Manajemen Risiko
July 18, 2023 Perusahaan s.d. bulan 2. SEVP Satuan Pengawasan Intern
Juni 2023; 3. SEVP Transformation Office
2. Pembahasan Profil 4. Kepala Divisi Manajemen Kinerja Perusahaan
Risiko bulan Juni 2023; 5. Kepala Divisi Akuntansi
3. Pembahasan Hasil Audit 6. Kepala Divisi Perencanaan Strategis
SPI s.d. bulan Juni 2023; 7. Kepala Divisi Tresuri
4. Pembahasan Kinerja 8. Kepala Divisi Manajemen Risiko, Operasi dan Korporasi
Sumber Daya Manusia 9. Kepala Divisi Risiko Kredit & Asuransi
s.d. bulan Juni 2023. 10. Kepala Divisi Strategi Human Capital
1. Discussion of Company 11. Kepala Divisi Budaya Kerja
Performance as of June 12. Kepala Divisi Operasional Human Capital
2023; 13. Kepala Divisi Pegadaian Corporate University
2. Discussion of Risk 14. Kepala Divisi Kepatuhan
Profile for June 2023; 15. Kepala Divisi Penjualan
3. Discussion of SPI Audit 16. Kepala Divisi Hubungan Kelembagaan
Results as of June 2023; 17. Kepala Divisi Produk Gadai
4. Discussion of Human 18. Kepala Divisi Unit Usaha Syariah
Resources Performance 19. Kepala Divisi Pemasaran
as of June 2023. 20. Kepala Divisi Produk Mikro Fidusia
21. Kepala Divisi Produk Emas
22. Kepala Divisi Jaringan dan Operasional
23. Kepala Divisi Manajemen Aset Tetap
24. Komite Audit
25. Komite Pemantau Risiko
26. Komite Nominasi dan Remunerasi
1. SEVP Risk Management
2. SEVP Internal Audit Unit
3. SEVP Transformation Office
4. Head of Company Performance Management Division
5. Head of Accounting Division
6. Head of Strategic Planning Division
7. Head of Treasury Division
8. Head of Risk Management, Operations and Corporate
Division
9. Head of Credit Risk & Insurance Division
10. Head of Human Capital Strategy Division
11. Head of Work Culture Division
12. Head of Human Capital Operations Division
13. Head of Pegadaian Corporate University Division
14. Head of Compliance Division
15. Head of Sales Division
16. Head of Institutional Relations Division
17. Head of Pawn Products Division
18. Head of Sharia Business Unit Division
19. Head of Marketing Division
20. Head of Micro Fiduciary Products Division
21. Head of Gold Products Division
22. Head of Network and Operations Division
23. Head of Fixed Asset Management Division
24. Audit Committee
25. Risk Monitoring Committee
26. Nomination and Remuneration Committee
446 Laporan Tahunan 2023 | PT Pegadaian
Page 447
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
10. 18 Agustus 2023 1. Pembahasan Kinerja 1. SEVP Satuan Pengawasan Intern
August 18, 2023 Perusahaan s.d. bulan 2. SEVP Transformation Office
Juli 2023; 3. Kepala Divisi Manajemen Kinerja Perusahaan
2. Pembahasan Profil 4. Kepala Divisi Akuntansi
Risiko bulan Juli 2023; 5. Kepala Divisi Perencanaan Strategis
3. Pembahasan Hasil Audit 6. Kepala Divisi Tresuri
SPI s.d. bulan Juli 2023; 7. Kepala Divisi Manajemen Risiko, Operasi dan Korporasi
4. Pembahasan Kinerja 8. Kepala Divisi Risiko Kredit & Asuransi
Sumber Daya Manusia 9. Kepala Divisi Strategi Human Capital
s.d. bulan Juli 2023. 10. Kepala Divisi Budaya Kerja
1. Discussion of Company 11. Kepala Divisi Operasional Human Capital
Performance as of July 12. Kepala Divisi Pegadaian Corporate University
2023; 13. Kepala Divisi Kepatuhan
2. Discussion of Risk 14. Kepala Divisi Penjualan
Profile for July 2023; 15. Kepala Divisi Hubungan Kelembagaan
3. Discussion of SPI Audit 16. Kepala Divisi Produk Gadai
Results as of July 2023; 17. Kepala Divisi Unit Usaha Syariah
4. Discussion of Human 18. Kepala Divisi Pemasaran
Resources Performance 19. Kepala Divisi Produk Mikro Fidusia
as of July 2023. 20. Kepala Divisi Produk Emas
21. Kepala Divisi Jaringan dan Operasional
22. Kepala Divisi Manajemen Aset Tetap
23. Komite Audit
24. Komite Pemantau Risiko
25. Komite Nominasi dan Remunerasi
1. SEVP Internal Audit Unit
2. SEVP Transformation Office
3. Head of Company Performance Management Division
4. Head of Accounting Division
5. Head of Strategic Planning Division
6. Head of Treasury Division
7. Head of Risk Management, Operations and Corporate
Division
8. Head of Credit Risk & Insurance Division
9. Head of Human Capital Strategy Division
10. Head of Work Culture Division
11. Head of Human Capital Operations Division
12. Head of Pegadaian Corporate University Division
13. Head of Compliance Division
14. Head of Sales Division
15. Head of Institutional Relations Division
16. Head of Pawn Products Division
17. Head of Sharia Business Unit Division
18. Head of Marketing Division
19. Head of Micro Fiduciary Products Division
20. Head of Gold Products Division
21. Head of Network and Operations Division
22. Head of Fixed Asset Management Division
23. Audit Committee
24. Risk Monitoring Committee
25. Nomination and Remuneration Committee
PT Pegadaian | 2023 Annual Report 447
Page 448
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
11. 15 September 2023 1. Pembahasan Kinerja 1. SEVP Satuan Pengawasan Intern
September 15, 2023 Perusahaan s.d. bulan 2. SEVP Transformation Office
Agustus 2023; 3. Kepala Divisi Manajemen Kinerja Perusahaan
2. Pembahasan Profil 4. Kepala Divisi Akuntansi
Risiko bulan Agustus 5. Kepala Divisi Perencanaan Strategis
2023; 6. Kepala Divisi Tresuri
3. Pembahasan Hasil Audit 7. Kepala Divisi Manajemen Risiko, Operasi dan Korporasi
SPI s.d. bulan Agustus 8. Kepala Divisi Risiko Kredit & Asuransi
2023; 9. Kepala Divisi Strategi Human Capital
4. Pembahasan Kinerja 10. Kepala Divisi Budaya Kerja
Sumber Daya Manusia 11. Kepala Divisi Operasional Human Capital
s.d. bulan Agustus 12. Kepala Divisi Pegadaian Corporate University
2023. 13. Kepala Divisi Kepatuhan
1. Discussion of Company 14. Kepala Divisi Penjualan
Performance as of 15. Kepala Divisi Hubungan Kelembagaan
August 2023; 16. Kepala Divisi Produk Gadai
2. Discussion of Risk 17. Kepala Divisi Unit Usaha Syariah
Profile for August 2023; 18. Kepala Divisi Pemasaran
3. Discussion of SPI Audit 19. Kepala Divisi Produk Mikro Fidusia
Results as of August 20. Kepala Divisi Produk Emas
2023; 21. Kepala Divisi Jaringan dan Operasional
4. Discussion of Human 22. Kepala Divisi Manajemen Aset Tetap
Resources Performance 23. Komite Audit
as of August 2023. 24. Komite Pemantau Risiko
25. Komite Nominasi dan Remunerasi
1. SEVP Internal Audit Unit
2. SEVP Transformation Office
3. Head of Company Performance Management Division
4. Head of Accounting Division
5. Head of Strategic Planning Division
6. Head of Treasury Division
7. Head of Risk Management, Operations and Corporate
Division
8. Head of Credit Risk & Insurance Division
9. Head of Human Capital Strategy Division
10. Head of Work Culture Division
11. Head of Human Capital Operations Division
12. Head of Pegadaian Corporate University Division
13. Head of Compliance Division
14. Head of Sales Division
15. Head of Institutional Relations Division
16. Head of Pawn Products Division
17. Head of Sharia Business Unit Division
18. Head of Marketing Division
19. Head of Micro Fiduciary Products Division
20. Head of Gold Products Division
21. Head of Network and Operations Division
22. Head of Fixed Asset Management Division
23. Audit Committee
24. Risk Monitoring Committee
25. Nomination and Remuneration Committee
12. 6 Oktober 2023 Timeline dan Progress 1. Direktur Manajemen Risiko, Legal dan Kepatuhan
October 6, 2023 Tindak Lanjut FGD Telaah 2. Kepala Satuan Pengawasan Intern
Kasus 3. Komite Audit
Timeline and Progress of 4. Komite Pemantau Risiko
Follow-up of Case Study 5. Komite Nominasi dan Remunerasi
FGD 1. Director of Risk Management, Legal and Compliance
2. Head of Internal Audit Unit
3. Audit Committee
4. Risk Monitoring Committee
5. Nomination and Remuneration Committee
448 Laporan Tahunan 2023 | PT Pegadaian
Page 449
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
13. 17 Oktober 2023 Pembahasan Usulan 1. Kepala Divisi Perencanaan Strategis
October 17, 2023 Rancangan Rencana 2. Kepala Divisi Project Management Office dan Manajemen
Jangka Panjang Perubahan
Perusahaan (RJPP) Tahun 3. Kepala Divisi Manajemen Risiko, Operasi dan Korporasi
2024-2028 dan Rencana 4. Komite Audit
Kerja dan Anggaran 5. Komite Pemantau Risiko
Perusahaan (RKAP) Tahun 6. Komite Nominasi dan Remunerasi
2024 PT Pegadaian 1. Head of Strategic Planning Division
Discussion of the Proposed 2. Head of the Project Management Office and Change
Draft Company Long Term Management Division
Plan (RJPP) for 2024-2028 3. Head of Risk Management, Operations and Corporate
and the Company Work Division
Plan and Budget (RKAP) 4. Audit Committee
for 2024 of PT Pegadaian 5. Risk Monitoring Committee
6. Nomination and Remuneration Committee
14. 18 Oktober 2023 1. Pembahasan Hasil 1. Kepala Satuan Pengawasan Intern
October 18, 2023 Audit SPI s.d. bulan 2. Komite Audit
September 2023 3. Komite Pemantau Risiko
2. Hal-hal Strategis 4. Komite Nominasi dan Remunerasi
Lainnya 1. Head of Internal Audit Unit
1. Discussion of SPI 2. Audit Committee
Audit Results as of 3. Risk Monitoring Committee
September 2023 4. Nomination and Remuneration Committee
2. Other Strategic Matters
PT Pegadaian | 2023 Annual Report 449
Page 450
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
15. 20 Oktober 2023 1. Pembahasan Kinerja 1. SEVP Transformation Office
October 20, 2023 Perusahaan s.d. bulan 2. Kepala Divisi Manajemen Kinerja Perusahaan
September 2023; 3. Kepala Divisi Akuntansi
2. Pembahasan Profil 4. Kepala Divisi Perencanaan Strategis
Risiko bulan September 5. Kepala Divisi Tresuri
2023; 6. Kepala Divisi Manajemen Risiko, Operasi dan Korporasi
3. Pembahasan Kinerja 7. Kepala Divisi Risiko Kredit & Asuransi
Sumber Daya Manusia 8. Kepala Divisi Strategi Human Capital
s.d. bulan September 9. Kepala Divisi Budaya Kerja
2023. 10. Kepala Divisi Operasional Human Capital
1. Discussion of Company 11. Kepala Divisi Pegadaian Corporate University
Performance as of 12. Kepala Divisi Kepatuhan
September 2023; 13. Kepala Divisi Penjualan
2. Discussion of Risk 14. Kepala Divisi Hubungan Kelembagaan
Profile for September 15. Kepala Divisi Produk Gadai
2023; 16. Kepala Divisi Unit Usaha Syariah
3. Discussion of Human 17. Kepala Divisi Pemasaran
Resources Performance 18. Kepala Divisi Produk Mikro Fidusia
as of September 2023. 19. Kepala Divisi Produk Emas
20. Kepala Divisi Jaringan dan Operasional
21. Kepala Divisi Manajemen Aset Tetap
22. Komite Audit
23. Komite Pemantau Risiko
24. Komite Nominasi dan Remunerasi
1. SEVP Transformation Office
2. Head of Company Performance Management Division
3. Head of Accounting Division
4. Head of Strategic Planning Division
5. Head of Treasury Division
6. Head of Risk Management, Operations and Corporate
Division
7. Head of Credit Risk & Insurance Division
8. Head of Human Capital Strategy Division
9. Head of Work Culture Division
10. Head of Human Capital Operations Division
11. Head of Pegadaian Corporate University Division
12. Head of Compliance Division
13. Head of Sales Division
14. Head of Institutional Relations Division
15. Head of Pawn Products Division
16. Head of Sharia Business Unit Division
17. Head of Marketing Division
18. Head of Micro Fiduciary Products Division
19. Head of Gold Products Division
20. Head of Network and Operations Division
21. Head of Fixed Asset Management Division
22. Audit Committee
23. Risk Monitoring Committee
24. Nomination and Remuneration Committee
450 Laporan Tahunan 2023 | PT Pegadaian
Page 451
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
16. 14 November 2023 1. Pembahasan Hasil 1. Kepala Satuan Pengawasan Intern
November 14, 2023 Temuan yang Material 2. Kepala Divisi Manajemen Risiko, Operasi dan Korporasi
dari Pemeriksaan OJK 3. Kepala Divisi Risiko Kredit dan Asuransi
Tahun 2023 4. Kepala Divisi Legal
2. Pembahasan Evaluasi 5. Kepala Divisi Kepatuhan
Produk Gadai Efek 6. Kepala Divisi Produk Gadai
dan Pencegahan NPL 7. Kepala Divisi Jaringan dan Operasional
Berulang 8. Kepala Divisi Manajemen Data TI
1. Discussion of Material 9. Kepala Divisi Pengembangan Aplikasi TI
Findings from the 2023 10. Kepala Divisi Operasional Human Capital
OJK Audit 11. Kepala Divisi Manajemen Aset Tetap
2. Discussion on 12. Kepala Divisi Akuntansi
Evaluation of Securities 13. Komite Pemantau Risiko
Pawn Products and 14. Komite Audit
Prevention of Recurring 1. Head of Internal Audit Unit
NPLs 2. Head of Risk Management, Operations and Corporate
Division
3. Head of Credit Risk and Insurance Division
4. Head of Legal Division
5. Head of Compliance Division
6. Head of Pawn Products Division
7. Head of Network and Operations Division
8. Head of IT Data Management Division
9. Head of IT Application Development Division
10. Head of Human Capital Operations Division
11. Head of Fixed Asset Management Division
12. Head of Accounting Division
13. Risk Monitoring Committee
14. Audit Committee
17. 17 November 2023 1. Pembahasan Hasil Audit 1. Kepala Satuan Pengawasan Intern
November 17, 2023 SPI s.d. Oktober 2023 2. Komite Audit
2. Hal-hal Strategis 3. Komite Pemantau Risiko
Lainnya 4. Komite Nominasi dan Remunerasi
1. Discussion of SPI Audit 1. Head of Internal Audit Unit
Results as of October 2. Audit Committee
2023 3. Risk Monitoring Committee
2. Other Strategic Matters 4. Nomination and Remuneration Committee
PT Pegadaian | 2023 Annual Report 451
Page 452
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
18. 23 November 2023 1. Pembahasan Kinerja 1. SEVP Transformation Office
November 23, 2023 Perusahaan s.d. bulan 2. Kepala Divisi Manajemen Kinerja Perusahaan
Oktober 2023; 3. Kepala Divisi Akuntansi
2. Pembahasan Profil 4. Kepala Divisi Perencanaan Strategis
Risiko bulan Oktober 5. Kepala Divisi Tresuri
2023; 6. Kepala Divisi Manajemen Risiko, Operasi dan Korporasi
3. Pembahasan Kinerja 7. Kepala Divisi Risiko Kredit & Asuransi
Sumber Daya Manusia 8. Kepala Divisi Strategi Human Capital
s.d. bulan Oktober 9. Kepala Divisi Budaya Kerja
2023. 10. Kepala Divisi Operasional Human Capital
1. Discussion of Company 11. Kepala Divisi Pegadaian Corporate University
Performance as of 12. Kepala Divisi Kepatuhan
October 2023; 13. Kepala Divisi Penjualan
2. Discussion of Risk 14. Kepala Divisi Hubungan Kelembagaan
Profile for October 15. Kepala Divisi Produk Gadai
2023; 16. Kepala Divisi Unit Usaha Syariah
3. Discussion of Human 17. Kepala Divisi Pemasaran
Resources Performance 18. Kepala Divisi Produk Mikro Fidusia
as of October 2023. 19. Kepala Divisi Produk Emas
20. Kepala Divisi Jaringan dan Operasional
21. Kepala Divisi Manajemen Aset Tetap
22. Komite Audit
23. Komite Pemantau Risiko
24. Komite Nominasi dan Remunerasi
1. SEVP Transformation Office
2. Head of Company Performance Management Division
3. Head of Accounting Division
4. Head of Strategic Planning Division
5. Head of Treasury Division
6. Head of Risk Management, Operations and Corporate
Division
7. Head of Credit Risk & Insurance Division
8. Head of Human Capital Strategy Division
9. Head of Work Culture Division
10. Head of Human Capital Operations Division
11. Head of Pegadaian Corporate University Division
12. Head of Compliance Division
13. Head of Sales Division
14. Head of Institutional Relations Division
15. Head of Pawn Products Division
16. Head of Sharia Business Unit Division
17. Head of Marketing Division
18. Head of Micro Fiduciary Products Division
19. Head of Gold Products Division
20. Head of Network and Operations Division
21. Head of Fixed Asset Management Division
22. Audit Committee
23. Risk Monitoring Committee
24. Nomination and Remuneration Committee
19. 14 Desember 2023 1. Pembahasan Customer 1. Kepala Satuan Pengawasan Intern
December 14, 2023 Information File (CIF) 2. Bp. Saiful Anam, Kepala Divisi Manajemen Data TI
Ganda 3. Bp. Vicky Taufik, Anggota Komite Audit
2. Hal-hal Strategis lainnya 4. Bp. Alpin Napitupulu, Anggota Komite Audit
1. Discussion of Dual 1. Head of Internal Audit Unit
Customer Information 2. Saiful Anam, Head of IT Data Management Division
Files (CIF). 3. Vicky Taufik, Member of the Audit Committee
2. Other strategic matters 4. Alpin Napitupulu, Member of the Audit Committee
452 Laporan Tahunan 2023 | PT Pegadaian
Page 453
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
20. 18 Desember 2023 1. Pembahasan Hasil Audit 1. Kepala Satuan Pengawasan Intern
December 18, 2023 SPI s.d. November 2023 2. Komite Audit
2. Hal-hal strategis lainnya 3. Komite Pemantau Risiko
1. Discussion of SPI Audit 4. Komite Nominasi dan Remunerasi
Results as of November 1. Head of Internal Audit Unit
2023 2. Audit Committee
2. Other strategic matters 3. Risk Monitoring Committee
4. Nomination and Remuneration Committee
21. 18 Desember 2023 1. Pembahasan CKPN 1. Kepala Satuan Pengawasan Intern
December 18, 2023 2. Hal-hal strategis lainnya 2. Kepala Divisi Akuntansi
1. Discussion of CKPN 3. Komite Audit
2. Other strategic matters 4. Bp. Humbul Kristiawan, Anggota Komite Pemantau Risiko
5. Bp. Charles R. Vorst, Anggota Komite Pemantau Risiko
1. Head of Internal Audit Unit
2. Head of Accounting Division
3. Audit Committee
4. Humbul Kristiawan, Member of the Risk Monitoring
Committee
5. Charles R. Vorst, Member of the Risk Monitoring
Committee
PT Pegadaian | 2023 Annual Report 453
Page 454
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
22. 19 Desember 2023 1. Pembahasan Kinerja 1. SEVP Transformation Office
December 19, 2023 Perusahaan s.d. bulan 2. Kepala Divisi Manajemen Kinerja Perusahaan
November 2023; 3. Kepala Divisi Akuntansi
2. Pembahasan Profil 4. Kepala Divisi Perencanaan Strategis
Risiko bulan November 5. Kepala Divisi Tresuri
2023; 6. Kepala Divisi Manajemen Risiko, Operasi dan Korporasi
3. Pembahasan Kinerja 7. Kepala Divisi Risiko Kredit & Asuransi
Sumber Daya Manusia 8. Kepala Divisi Strategi Human Capital
s.d. bulan November 9. Kepala Divisi Budaya Kerja
2023. 10. Kepala Divisi Operasional Human Capital
1. Discussion of Company 11. Kepala Divisi Pegadaian Corporate University
Performance as of 12. Kepala Divisi Kepatuhan
November 2023; 13. Kepala Divisi Penjualan
2. Discussion of Risk 14. Kepala Divisi Hubungan Kelembagaan
Profile for November 15. Kepala Divisi Produk Gadai
2023; 16. Kepala Divisi Unit Usaha Syariah
3. Discussion of Human 17. Kepala Divisi Pemasaran
Resources Performance 18. Kepala Divisi Produk Mikro Fidusia
as of November 2023. 19. Kepala Divisi Produk Emas
20. Kepala Divisi Jaringan dan Operasional
21. Kepala Divisi Manajemen Aset Tetap
22. Komite Audit
23. Komite Pemantau Risiko
24. Komite Nominasi dan Remunerasi
1. SEVP Transformation Office
2. Head of Company Performance Management Division
3. Head of Accounting Division
4. Head of Strategic Planning Division
5. Head of Treasury Division
6. Head of Risk Management, Operations and Corporate
Division
7. Head of Credit Risk & Insurance Division
8. Head of Human Capital Strategy Division
9. Head of Work Culture Division
10. Head of Human Capital Operations Division
11. Head of Pegadaian Corporate University Division
12. Head of Compliance Division
13. Head of Sales Division
14. Head of Institutional Relations Division
15. Head of Pawn Products Division
16. Head of Sharia Business Unit Division
17. Head of Marketing Division
18. Head of Micro Fiduciary Products Division
19. Head of Gold Products Division
20. Head of Network and Operations Division
21. Head of Fixed Asset Management Division
22. Audit Committee
23. Risk Monitoring Committee
24. Nomination and Remuneration Committee
23. 28 Desember 2023 1. Pendalaman Laporan 1. Kepala Satuan Pengawasan Internal
December 28, 2023 Fraud November 2023 2. Komite Audit
di Kanwil IX Jakarta 2 1. Head of Internal Audit Unit
2. Hal-hal strategis lainnya 2. Audit Committee
1. Deepening of the
November 2023 Fraud
Report at Regional
Office IX Jakarta 2
2. Other strategic matters
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Page 455
Tingkat kehadiran anggota Komite Audit dalam rapat The level of attendance of Audit Committee members
adalah sebagai berikut: at the meetings is as follows:
Jumlah Rapat % Kehadiran/
Nama Jabatan Kehadiran
No Number of
Name Position Attendance Attendance
Meetings
Ketua
1 Yudi Priambodo P. 50 50 100%
Chairman
Anggota
2 Makmur Keliat 27 27 100%
Member
Anggota
3 Alpin Napitupulu 50 50 100%
Member
Anggota
4 Vicky Taufik 50 50 100%
Member
*Perbedaan jumlah rapat disebabkan Dewan Komisaris turut hadir pada Rapat yang bersifat opsional.
*The difference in the number of meetings is due to the Board of Commissioners also attending the optional meeting.
Laporan Pelaksanaan Tugas Tahun 2023 Duties Implementation Report for 2023
Sesuai dengan laporan Komite Audit yang disampaikan In accordance with the Audit Committee report
kepada Dewan Komisaris, pelaksanaan tugas yang submitted to the Board of Commissioners, the
telah dilakukan Komite Audit selama tahun 2023, implementation of the duties of the Audit Committee
adalah sebagai berikut: during 2023 is as follows:
1. Tanggapan dan Rekomendasi Kepada Dewan 1. Responses and Recommendations to the Board of
Komisaris Commissioners
Komite Audit selama tahun 2023 memberikan During 2023, the Audit Committee has provided
tanggapan, laporan, telaahan dan masukan kepada responses, reports, studies and input to the Board
Dewan Komisaris, Satuan Pengawasan Intern (SPI), of Commissioners, Internal Audit Unit (SPI), and
dan Organ Dekom Lainnya, antara lain: other Organs of the Board of Commissioners,
including:
Nomor & Tanggal Surat Kepada Perihal
No
Letter Number & Date To Subject
Rekomendasi Komite Audit atas Usulan Nama Kantor Akuntan
Publik (KAP) yang akan mengaudit Laporan Keuangan PT
S-01/KA/01/2023 Dewan Komisaris
Pegadaian Tahun Buku 2023
1 24 Januari 2023 Board of
Audit Committee Recommendations on the Proposed Name
January 24, 2023 Commissioners
of the Public Accounting Firm (KAP) that will audit PT
Pegadaian's Financial Statements for the 2023 Financial Year
Penyampaian Hasil Pembahasan Komite Audit dengan Divisi
Manajemen Kinerja Perusahaan, Satuan Pengawasan Intern
(SPI) dan Divisi Terkait atas Laporan Kinerja Perusahaan dan
S-02/KA/01/2023 Dewan Komisaris Laporan Hasil Audit SPI s.d Desember 2022
2 25 Januari 2023 Board of Submission of the Results of Audit Committee Discussion
January 25, 2023 Commissioners with the Company Performance Management Division,
Internal Audit Unit (SPI) and Related Divisions on Company
Performance Report and SPI Audit Results Report as of
December 2022
Kaji Ulang Proses Operasional di Cabang/UPC, Kecukupan
S-03/KA/02/2023
Manajemen Risiko dan Strategi Anti Fraud
3 21 Februari 2023 Ka SPI
Review Operational Processes in Branches/UPCs, Adequacy of
February 21, 2023
Risk Management and Anti-Fraud Strategy
Penyampaian Hasil Pembahasan Komite Audit dengan Divisi
Manajemen Kinerja Perusahaan, Satuan Pengawasan Intern
(SPI) dan Divisi Terkait atas Laporan Kinerja Perusahaan dan
S-04/KA/02/2023 Dewan Komisaris Laporan Hasil Audit SPI s.d Januari 2023
4 22 Februari 2023 Board of Submission of the Results of Audit Committee Discussion
February 22, 2023 Commissioners with the Company Performance Management Division,
Internal Audit Unit (SPI) and Related Divisions on Company
Performance Report and SPI Audit Results Report as of
January 2023
PT Pegadaian | 2023 Annual Report 455
Page 456
Tata Kelola Perusahaan
Corporate Governance
Nomor & Tanggal Surat Kepada Perihal
No
Letter Number & Date To Subject
S-05/KA/02/2023
Permintaan Informasi Top Talent
5 23 Februari 2023 Ka SPI
Top Talent Information Request
February 23, 2023
S-06/KA/02/2023
Tindak Lanjut Updating Top Talent PT Pegadaian
6 23 Februari 2023 KNR
Follow-up to PT Pegadaian's Top Talent Updating
February 23, 2023
S-07/KA/02/2023
Permintaan Informasi Top Talent
7 24 Februari 2023 Ka SPI
Top Talent Information Request
February 24, 2023
Tanggapan Komite Audit atas Program Audit Tahunan (PAT)
S-08/KA/03/2023
Satuan Pengawasan Intern (SPI) Tahun 2023
8 03 Maret 2023 Ka SPI
Audit Committee Response to the 2023 Annual Audit Program
March 3, 2023
(PAT) of the Internal Audit Unit (SPI)
Permohonan Informasi Hasil Pemeriksaan Tahun 2022 dan
S-09/KA/03/2023
Tindak Lanjut FGD Kaji Ulang
9 15 Maret 2023 Ka SPI
Request for Information on 2022 Examination Results and
March 15, 2023
Follow-up FGD Review
Laporan Hasil Evaluasi KAP Tahun Buku 2022 dan
S-10/KA/03/2023 Dewan Komisaris Rekomendasi Penunjukan KAP Tahun Buku 2023
10 29 Maret 2023 Board of KAP Evaluation Results Report for 2022 Financial Year and
March 29, 2023 Commissioners Recommendations for the Appointment of KAP for 2023
Financial Year
Penyampaian Hasil Pembahasan Komite Audit dengan Divisi
Manajemen Kinerja Perusahaan, Satuan Pengawasan Intern
(SPI) dan Divisi Terkait atas Laporan Kinerja Perusahaan dan
S-11/KA/03/2023 Dewan Komisaris Laporan Hasil Audit SPI s.d Februari 2023
11 29 Maret 2023 Board of Submission of the Results of Audit Committee Discussion
March 29, 2023 Commissioners with the Company Performance Management Division,
Internal Audit Unit (SPI) and Related Divisions on Company
Performance Report and SPI Audit Results Report as of
February 2023
Pertimbangan/Saran-saran Komite Audit terhadap Program
Audit Tahunan (PAT) Satuan Pengawasan Intern (SPI) Tahun
S-12/KA/04/2023 Dewan Komisaris
2023
12 05 April 2023 Board of
Audit Committee Considerations/Suggestions regarding the
April 5, 2023 Commissioners
Annual Audit Program (PAT) of the Internal Audit Unit (SPI)
in 2023
S-13/KA/04/2023 Dewan Komisaris
Penyampaian Laporan Kegiatan Komite Audit Tahun 2022
13 05 April 2023 Board of
Submission of the 2022 Audit Committee Activity Report
April 5, 2023 Commissioners
Penyampaian Laporan Kegiatan Komite Audit Triwulan I Tahun
S-14/KA/04/2023 Dewan Komisaris
2023
14 14 April 2023 Board of
Submission of the Audit Committee Activity Report for the
April 14, 2023 Commissioners
First Quarter of 2023
Penyampaian Hasil Pembahasan Komite Audit dengan Divisi
Manajemen Kinerja Perusahaan, Satuan Pengawasan Intern
(SPI) dan Divisi Terkait atas Laporan Kinerja Perusahaan dan
S-15/KA/04/2023 Dewan Komisaris Laporan Hasil Audit SPI s.d Maret 2023
15 28 April 2023 Board of Submission of the Results of Audit Committee Discussion
April 28, 2023 Commissioners with the Company Performance Management Division,
Internal Audit Unit (SPI) and Related Divisions on Company
Performance Report and SPI Audit Results Report as of March
2023
Masukan Komite Audit terhadap Rencana Aksi Korporasi
S-16/KA/05/2023 Dewan Komisaris
Project Maverick
16 08 Mei 2023 Board of
Audit Committee input on Project Maverick's Corporate Action
May 8, 2023 Commissioners
Plan
456 Laporan Tahunan 2023 | PT Pegadaian
Page 457
Nomor & Tanggal Surat Kepada Perihal
No
Letter Number & Date To Subject
Penyampaian Hasil Pembahasan Komite Audit dengan Divisi
Manajemen Kinerja Perusahaan, Satuan Pengawasan Intern
(SPI) dan Divisi Terkait atas Laporan Kinerja Perusahaan dan
S-17/KA/05/2023 Dewan Komisaris Laporan Hasil Audit SPI s.d April 2023
17 29 Mei 2023 Board of Submission of the Results of Audit Committee Discussion
May 29, 2023 Commissioners with the Company Performance Management Division,
Internal Audit Unit (SPI) and Related Divisions on Company
Performance Report and SPI Audit Results Report as of April
2023
Permohonan Update atas Kasus-kasus dan Beberapa Concern
S-18/KA/05/2023
Komite Audit
18 31 Mei 2023 Ka SPI
Request for Update on Cases and Several Audit Committee
May 31, 2023
Concerns
Rekomendasi Komite Audit atas Term of References (TOR)
S-19/KA/06/2023 Dewan Komisaris Pengadaan Kantor Akuntan Publik (KAP) Tahun 2023
19 05 Juni 2023 Board of Audit Committee Recommendations on Terms of References
June 5, 2023 Commissioners (TOR) for Procurement of Public Accounting Firm (KAP) in
2023
Penyampaian Hasil Pembahasan Komite Audit dengan Divisi
Manajemen Kinerja Perusahaan, Satuan Pengawasan Intern
(SPI) dan Divisi Terkait atas Laporan Kinerja Perusahaan dan
S-20/KA/06/2023 Dewan Komisaris Laporan Hasil Audit SPI s.d Mei 2023
20 27 Juni 2023 Board of Submission of the Results of Audit Committee Discussion
June 27, 2023 Commissioners with the Company Performance Management Division,
Internal Audit Unit (SPI) and Related Divisions on Company
Performance Report and SPI Audit Results Report as of May
2023
Update Laporan Audit Operasional dan Perkembangan Kasus-
S-21/KA/07/2023 Dewan Komisaris kasus yang Menjadi Concern Dewan Komisaris/Komite Audit
21 03 Juli 2023 Board of Update on operational audit report and development in cases
July 3, 2023 Commissioners that are of concern to the Board of Commissioners/Audit
Committee
Penyampaian Laporan Kegiatan Komite Audit Triwulan II
S-22/KA/07/2023 Dewan Komisaris
Tahun 2023
22 17 Juli 2023 Board of
Submission of Audit Committee Activity Report for Quarter II
July 17, 2023 Commissioners
2023
Penyampaian Hasil Pembahasan Komite Audit dengan Divisi
Manajemen Kinerja Perusahaan, Satuan Pengawasan Intern
(SPI) dan Divisi Terkait atas Laporan Kinerja Perusahaan dan
S-23/KA/07/2023 Dewan Komisaris Laporan Hasil Audit SPI s.d Juni 2023
23 25 Juli 2023 Board of Submission of the Results of Audit Committee Discussion
July 25, 2023 Commissioners with the Company Performance Management Division,
Internal Audit Unit (SPI) and Related Divisions on Company
Performance Report and SPI Audit Results Report as of June
2023
Penyampaian Hasil Pembahasan Komite Audit dengan Divisi
Manajemen Kinerja Perusahaan, Satuan Pengawasan Intern
(SPI) dan Divisi Terkait atas Laporan Kinerja Perusahaan dan
S-24/KA/08/2023 Dewan Komisaris Laporan Hasil Audit SPI s.d Juli 2023
24 29 Agustus 2023 Board of Submission of the Results of Audit Committee Discussion
August 29, 2023 Commissioners with the Company Performance Management Division,
Internal Audit Unit (SPI) and Related Divisions on Company
Performance Report and SPI Audit Results Report until July
2023
PT Pegadaian | 2023 Annual Report 457
Page 458
Tata Kelola Perusahaan
Corporate Governance
Nomor & Tanggal Surat Kepada Perihal
No
Letter Number & Date To Subject
Penyampaian Hasil Pembahasan Komite Audit dengan Divisi
Manajemen Kinerja Perusahaan, Satuan Pengawasan Intern
(SPI) dan Divisi Terkait atas Laporan Kinerja Perusahaan dan
S-25/KA/09/2023 Dewan Komisaris Laporan Hasil Audit SPI s.d Agustus 2023
25 22 September 2023 Board of Submission of the Results of Audit Committee Discussion
September 22, 2023 Commissioners with the Company Performance Management Division,
Internal Audit Unit (SPI) and Related Divisions on Company
Performance Report and SPI Audit Results Report as of
August 2023
Penyampaian Laporan Kegiatan Komite Audit Triwulan III
S-26/KA/10/2023 Dewan Komisaris
Tahun 2023
26 16 Oktober 2023 Board of
Submission of Audit Committee Activity Report for Quarter III
October 16, 2023 Commissioners
2023
Penyampaian Hasil Pembahasan Komite Audit dengan Divisi
Manajemen Kinerja Perusahaan, Satuan Pengawasan Intern
(SPI) dan Divisi Terkait atas Laporan Kinerja Perusahaan dan
S-27/KA/10/2023 Dewan Komisaris Laporan Hasil Audit SPI s.d September 2023
27 23 Oktober 2023 Board of Submission of the Results of Audit Committee Discussion
October 23, 2023 Commissioners with the Company Performance Management Division,
Internal Audit Unit (SPI) and Related Divisions on Company
Performance Report and SPI Audit Results Report as of
September 2023
Penyampaian Rencana Kerja dan Anggaran (RKA) Komite
S-28/KA/11/2023 Dewan Komisaris
Audit Tahun 2024
28 15 November 2023 Board of
Submission of the 2024 Audit Committee Work Plan and
November 15, 2023 Commissioners
Budget (RKA).
Penyampaian Hasil Pembahasan Komite Audit dengan Divisi
Manajemen Kinerja Perusahaan, Satuan Pengawasan Intern
(SPI) dan Divisi Terkait atas Laporan Kinerja Perusahaan dan
S-29/KA/11/2023 Dewan Komisaris Laporan Hasil Audit SPI s.d Oktober 2023
29 28 November 2023 Board of Submission of the Results of Audit Committee Discussion
November 28, 2023 Commissioners with the Company Performance Management Division,
Internal Audit Unit (SPI) and Related Divisions on Company
Performance Report and SPI Audit Results Report as of
October 2023
Penyampaian Hasil Pembahasan Komite Audit dengan Divisi
Manajemen Kinerja Perusahaan, Satuan Pengawasan Intern
(SPI) dan Divisi Terkait atas Laporan Kinerja Perusahaan dan
S-30/KA/12/2023 Dewan Komisaris Laporan Hasil Audit SPI s.d November 2023
30 22 Desember 2023 Board of Submission of the Results of Audit Committee Discussion
December 22, 2023 Commissioners with the Company Performance Management Division,
Internal Audit Unit (SPI) and Related Divisions on Company
Performance Report and SPI Audit Results Report as of
November 2023
S-31/KA/12/2023 Review dan Saran-saran Komite Audit terhadap Piagam Audit
27 Desember 2023 Satuan Pengawasan Intern (SPI)
31 Ka SPI
December 27, 2023 Audit Committee Review and Suggestions on the Internal
Audit Unit (SPI) Audit Charter
Selain hal tersebut di atas, Komite Audit bersama Apart from the above, the Audit Committee
dengan Komite Pemantau Risiko serta Komite together with the Risk Monitoring Committee
Nominasi & Remunerasi juga membuat dan and the Nomination & Remuneration Committee
menyampaikan kajian, rekomendasi, masukan atau also make and submit studies, recommendations,
pendapat kepada Dewan Komisaris, antara lain: input or opinions to the Board of Commissioners,
including:
458 Laporan Tahunan 2023 | PT Pegadaian
Page 459
Tabel Kajian, Rekomendasi, Masukan atau Pendapat kepada Dewan Komisaris di 2023
Table of Studies, Recommendations, Input or Opinions to the Board of Commissioners in 2023
Nomor & Tanggal Surat Kepada Perihal
No
Letter Number & Date To Subject
Review Komite Audit, Komite Pemantau Risiko serta Komite
Nominasi dan Remunerasi atas Update Usulan Rancangan
SB-01/KA/KPR/ RKAP Tahun 2023 dan Rencana Bisnis Tahun 2023-2025 PT
Dewan Komisaris
KNR/01/2023 Pegadaian
1 Board of
24 Januari 2023 Review of the Audit Committee, Risk Monitoring Committee
Commissioners
January 24, 2023 and Nomination and Remuneration Committee on the Update
on the Proposed 2023 RKAP Draft and 2023-2025 Business
Plan of PT Pegadaian
Tanggapan/Masukan Komite Audit, Komite Pemantau
Risiko, serta Komite Nominasi dan Remunerasi atas Laporan
SB-02/KPR/KA/ Pengawasan Rencana Bisnis PT Pegadaian Semester II Tahun
Dewan Komisaris
KNR/02/2023 2022
2 Board of
02 Februari 2023 Responses/Input from the Audit Committee, Risk Monitoring
Commissioners
February 2, 2023 Committee, and Nomination and Remuneration Committee on
the PT Pegadaian Business Plan Monitoring Report Semester
II 2022
Pendapat/saran Komite Audit, Komite Pemantau Risiko, serta
Komite Nominasi dan Remunerasi atas Laporan Penerapan
SB-03/KA/KPR/ Sistem Manajemen Anti Penyuapan (SMAP) Tahun 2022 dan
Dewan Komisaris
KNR/02/2023 Rencana Kerja SMAP Tahun 2023
3 Board of
09 Februari 2023 Opinions/suggestions from the Audit Committee, Risk
Commissioners
February 9, 2023 Monitoring Committee, and Nomination and Remuneration
Committee on the 2022 Anti-Bribery Management System
(SMAP) Implementation Report and 2023 SMAP Work Plan
Reviu Komite Audit, Komite Pemantau Risiko, dan Komite
Nominasi dan Remunerasi atas Laporan Manajemen Audited
SB-04/KA/KPR/
Dewan Komisaris PT Pegadaian dan Entitas Anak Triwulan IV Tahun 2022
KNR/02/2023
4 Board of Review of the Audit Committee, Risk Monitoring Committee,
22 Februari 2023
Commissioners and Nomination and Remuneration Committee on the Audited
February 22, 2023
Management Report of PT Pegadaian and Subsidiaries Quarter
IV 2022
Rekomendasi Komite Pemantau Risiko, Komite Audit, dan
Komite Nominasi dan Remunerasi terhadap Permohonan
SB-05/KA/KPR/ Tanggapan Tertulis atas Rencana Divestasi PT Pesonna Optima
Dewan Komisaris
KNR/03/2023 Jasa dan PT Pesonna Indonesia Jaya
5 Board of
08 Maret 2023 Recommendations from the Risk Monitoring Committee, Audit
Commissioners
March 8, 2023 Committee, and Nomination and Remuneration Committee on
the Request for Written Response to the Divestment Plan of
PT Pesonna Optima Jasa and PT Pesonna Indonesia Jaya
Reviu Sesdekom, Komite Audit, Komite Pemantau Risiko,
serta Komite Nominasi dan Remunerasi atas Permohonan
Penandatanganan Ringkasan Hasil Assessment Penerapan
SB-06/KA/KPR/
Dewan Komisaris Good Corporate Governance (GCG) PT Pegadaian Tahun 2022
KNR/03/2023
6 Board of Review of Sesdekom, Audit Committee, Risk Monitoring
24 Maret 2023
Commissioners Committee, and Nomination and Remuneration Committee on
March 24, 2023
Request for Signing Summary of PT Pegadaian's 2022 Good
Corporate Governance (GCG) Implementation Assessment
Result
Review Komite Pemantau Risiko dan Komite Audit terhadap
Permohonan Persetujuan Penghapus-bukuan Piutang Bisnis
SB-07/KA/KPR/03/2023 Dewan Komisaris
Tahun 2023
7 31 Maret 2023 Board of
Review of the Risk Monitoring Committee and Audit
March 31, 2023 Commissioners
Committee on the Application for Approval of Writing Off
Business Receivables in 2023
PT Pegadaian | 2023 Annual Report 459
Page 460
Tata Kelola Perusahaan
Corporate Governance
Tabel Kajian, Rekomendasi, Masukan atau Pendapat kepada Dewan Komisaris di 2023
Table of Studies, Recommendations, Input or Opinions to the Board of Commissioners in 2023
Nomor & Tanggal Surat Kepada Perihal
No
Letter Number & Date To Subject
Pendapat dan Masukan Komite Audit, Komite Pemantau
Risiko dan Komite Nominasi dan Remunerasi atas Laporan
SB-08/KA/KPR/ Manajemen Audited PT Pegadaian dan Entitas Anak Tahun
Dewan Komisaris
KNR/03/2023 Buku 2022
8 Board of
31 Maret 2023 Opinions and Input from the Audit Committee, Risk Monitoring
Commissioners
March 31, 2023 Committee and Nomination and Remuneration Committee
on the Audited Management Report of PT Pegadaian and
Subsidiaries for the 2022 Financial Year
Review Komite Audit, Komite Pemantau Risiko dan Komite
Nominasi dan Remunerasi atas Permohonan Persetujuan
SB-09/KA/KPR/ Tanda Tangan Pernyataan tentang Tanggung Jawab atas
Dewan Komisaris
KNR/04/2023 Laporan Triwulan I Tahun 2023 PT Pegadaian dan Entitas Anak
9 Board of
26 April 2023 Review of the Audit Committee, Risk Monitoring Committee
Commissioners
April 26, 2023 and Nomination and Remuneration Committee on Request for
Approval of Signature of Statement of Responsibility for the
2023 First Quarter Report of PT Pegadaian and Subsidiaries
Tanggapan Komite Audit, Komite Pemantau Risiko dan Komite
SB-10/KA/KPR/ Nominasi dan Remunerasi terhadap Rencana Aksi Korporasi
Dewan Komisaris
KNR/05/2023 Project Maverick
10 Board of
24 Mei 2023 Responses of the Audit Committee, Risk Monitoring
Commissioners
May 24, 2023 Committee and Nomination and Remuneration Committee to
the Project Maverick Corporate Action Plan
Pendapat dan Masukan Komite Audit, Komite Pemantau
Risiko, serta Komite Nominasi dan Remunerasi atas Laporan
SB-11/KA/KPR/
Dewan Komisaris Triwulan I Tahun 2023 PT Pegadaian dan Entitas Anak
KNR/05/2023
11 Board of Opinions and Input from the Audit Committee, Risk Monitoring
24 Mei 2023
Commissioners Committee, and Nomination and Remuneration Committee
May 24, 2023
on the 2023 First Quarter Report of PT Pegadaian and
Subsidiaries
SB-12/KNR/KPR/
Dewan Komisaris Usulan Persetujuan KPI Direksi Individual Tahun 2023
KA/07/2023
12 Board of Suggestion on the Approval of KPI for Individual Directors in
24 Juli 2023
Commissioners 2023
July 24, 2023
Review Komite Audit, Komite Pemantau Risiko, serta Komite
Nominasi dan Remunerasi atas Permohonan Persetujuan
Tanda Tangan Pernyataan tentang Tanggung Jawab atas
SB-13/KNR/KPR/ Laporan Triwulan II Tahun 2023 PT Pegadaian dan Entitas
Dewan Komisaris
KA/07/2023 Anak
13 Board of
28 Juli 2023 Review of the Audit Committee, Risk Monitoring Committee,
Commissioners
July 28, 2023 and Nomination and Remuneration Committee on Request for
Approval of Signature of Statement of Responsibility for the
Report for the Second Quarter of 2023 of PT Pegadaian and
Subsidiaries
Tanggapan Komite Pemantau Risiko dan Komite Audit
terhadap Permohonan Persetujuan Tanda Tangan Dokumen
SB-14/KA/KPR/ Sehubungan Proses Penerbitan Obligasi dan Sukuk
Dewan Komisaris
KNR/08/2023 Perusahaan.
14 Board of
03 Agustus 2023 Response of the Risk Monitoring Committee and Audit
Commissioners
August 3, 2023 Committee to the Request for Approval of Document
Signatures Regarding the Corporate Bond and Sukuk Issuance
Process.
Pendapat dan Masukan Komite Audit, Komite Pemantau
Risiko, serta Komite Nominasi dan Remunerasi atas Laporan
SB-15/KA/KPR/
Dewan Komisaris Triwulan II Tahun 2023 PT Pegadaian dan Entitas Anak
KNR/08/2023
15 Board of Opinions and Input from the Audit Committee, Risk Monitoring
10 Agustus 2023
Commissioners Committee, and Nomination and Remuneration Committee
August 10, 2023
on the 2023 Second Quarter Report of PT Pegadaian and
Subsidiaries
460 Laporan Tahunan 2023 | PT Pegadaian
Page 461
Tabel Kajian, Rekomendasi, Masukan atau Pendapat kepada Dewan Komisaris di 2023
Table of Studies, Recommendations, Input or Opinions to the Board of Commissioners in 2023
Nomor & Tanggal Surat Kepada Perihal
No
Letter Number & Date To Subject
Review Komite Audit dan Komite Pemantau Risiko atas
Permohonan Persetujuan Penghapusbukuan Piutang Bisnis
SB-16/KA/KPR/09/2023 Dewan Komisaris
Tahap II Tahun 2023
16 27 September 2023 Board of
Review of the Audit Committee and Risk Monitoring
September 27, 2023 Commissioners
Committee on the Application for Approval of Write-Off of
Business Receivables Phase II in 2023
Review Komite Audit, Komite Pemantau Risiko, dan Komite
Nominasi dan Remunerasi atas Permohonan Persetujuan
Tanda Tangan Surat Pernyataan tentang Tanggung Jawab atas
SB-17/KA/KPR/
Dewan Komisaris Laporan Triwulan III Tahun 2023 PT Pegadaian dan Entitas
KNR/10/2023
17 Board of Anak
30 Oktober 2023
Commissioners Review of the Audit Committee, Risk Monitoring Committee,
October 30, 2023
and Nomination and Remuneration Committee on Request for
Approval of Signature of Statement of Responsibility for the
Third Quarter 2023 Report of PT Pegadaian and Subsidiaries
Review Komite Audit, Komite Pemantau Risiko, dan Komite
SB-18/KA/KPR/ Nominasi dan Remunerasi atas Usulan Rancangan RJPP PT
Dewan Komisaris
KNR/10/2023 Pegadaian Tahun 2024-2028
18 Board of
30 Oktober 2023 Review of the Audit Committee, Risk Monitoring Committee,
Commissioners
October 30, 2023 and Nomination and Remuneration Committee on the
Proposed RJPP Draft of PT Pegadaian for 2024-2028
Review Komite Audit, Komite Pemantau Risiko, dan Komite
SB-19/KA/KPR/ Nominasi dan Remunerasi atas Usulan RKAP PT Pegadaian
Dewan Komisaris
KNR/10/2023 Tahun 2024
19 Board of
30 Oktober 2023 Review of the Audit Committee, Risk Monitoring Committee,
Commissioners
October 30, 2023 and Nomination and Remuneration Committee on PT
Pegadaian's 2024 RKAP Proposal
Pendapat dan Masukan Komite Audit, Komite Pemantau
Risiko, dan Komite Nominasi dan Remunerasi atas Laporan
SB-20/KA/KPR/
Dewan Komisaris Triwulan III Tahun 2023 PT Pegadaian dan Entitas Anak
KNR/11/2023
20 Board of Opinions and Input from the Audit Committee, Risk Monitoring
24 November 2023
Commissioners Committee, and Nomination and Remuneration Committee
November 24, 2023
on the Third Quarter 2023 Report of PT Pegadaian and
Subsidiaries
Masukan Komite Audit dan Komite Pemantau Risiko atas
SB-21/KA/KPR/12/2023 Dewan Komisaris Produk Gadai Efek dan Pencegahan NPL Berulang
21 05 Desember 2023 Board of Input from the Audit Committee and Risk Monitoring
December 5, 2023 Commissioners Committee on Securities Pawn Products and Prevention of
Recurring NPLs
Usulan Komite Pemantau Risiko, Komite Audit, serta Komite
Nominasi dan Remunerasi terhadap Pedoman Penanganan
SB-22/KA/KPR/
Dewan Komisaris Benturan Kepentingan PT Pegadaian
KNR/12/2023
22 Board of Suggestions from the Risk Monitoring Committee, Audit
11 Desember 2023
Commissioners Committee, and Nomination and Remuneration Committee
December 11, 2023
regarding PT Pegadaian's Guidelines for Handling Conflicts of
Interest
Tanggapan Komite Pemantau Risiko, Komite Audit, serta
Komite Nominasi dan Remunerasi atas Permohonan
Persetujuan Tertulis Dewan Komisaris terkait Penerbitan
Obligasi, Sukuk, Efek yang Bersifat Berkelanjutan, MTN, SBK,
SB-23/KA/KPR/
Dewan Komisaris dan Surat Utang Lainnya Tahun 2024-2025
KNR/12/2023
23 Board of Response of the Risk Monitoring Committee, Audit
18 Desember 2023
Commissioners Committee, and Nomination and Remuneration Committee
December 18, 2023
to the Request for Written Approval from the Board of
Commissioners regarding the Issuance of Bonds, Sukuk,
Sustainable Securities, MTN, SBK, and Other Debt Securities
for 2024-2025
PT Pegadaian | 2023 Annual Report 461
Page 462
Tata Kelola Perusahaan
Corporate Governance
2. Kunjungan Kerja Komite Audit 2. Work Visit of the Audit Committee
Dalam rangka memberikan motivasi kepada In order to provide motivation to all Company
seluruh unit Perseroan dan untuk mendapatkan units and to obtain information, clarification
informasi, klarifikasi dan gambaran atas kemajuan/ and an overview of progress/developments and
perkembangan serta permasalahan yang dihadapi problems encountered by regions and branches,
wilayah dan cabang, Komite Audit melakukan the Audit Committee visit regions and branches
kunjungan ke wilayah dan cabang atas persetujuan with approval from the Board of Commissioners.
dari Dewan Komisaris. Pada tahun 2023, jumlah In 2023, the number of work visits to Regional/
kunjungan kerja ke Kantor Wilayah/Cabang yang Branch Offices by the Audit Committee is as
dilakukan oleh Komite Audit sebagai berikut: follows:
No Nama Tanggal Tujuan Dalam Rangka
Name Date Objective Agenda
1. Yudi 19 Januari Kanwil X Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah X Bandung
Priambodo 2023 Bandung Virtual Working Visit of the Board of Commissioners to Regional Office X Bandung
P. January 19,
2023
13 s.d. 15 Solo Menghadiri Undangan Rapat Kerja Nasional Satuan Pengawasan Intern (SPI) PT
Februari 2023 Pegadaian Tahun 2023 di Solo serta Monitoring Implementasi Holding Ultra Mikro
February 13-15, (Outlet SenyuM) dan Kunjungan Kerja ke Outlet Pegadaian dan Pengelolaan UMKM di
2023 Area Kanwil XI Semarang
Attending the Invitation to the 2023 PT Pegadaian Internal Audit Unit (SPI) National
Work Meeting in Solo as well as Monitoring the Implementation of Ultra Micro Holding
(Outlet SenyuM) and Working Visits to Pegadaian Outlets and MSME Management in
the Regional Office Area XI Semarang
17 Februari Kanwil VI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VI Makassar
2023 Makassar Virtual Working Visit of the Board of Commissioners to Regional Office VI Makassar
February 17,
2023
10 Maret 2023 Kanwil III Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah III Palembang
March 10, 2023 Palembang Virtual Working Visit of the Board of Commissioners to Palembang Regional Office III
14 April 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah XI Semarang
April 14, 2023 Semarang Virtual Working Visit of the Board of Commissioners to Semarang Region XI Office
04 Juli 2023 Kanwil V Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah V Manado
July 04, 2023 Manado Virtual Working Visit of the Board of Commissioners to Manado Regional Office V
04 s.d. 07 Juli Yogyakarta Menghadiri Upacara Pengukuhan Wisudawan QIA dan Konferensi Auditor Internal
2023 2023 serta Kunjungan Kerja ke Outlet Pegadaian di Yogyakarta area Kanwil XI
July 4-7,2023 Semarang
Attended the Inauguration Ceremony for QIA Graduates and the 2023 Internal Auditor
Conference as well as a Work Visit to the Pegadaian Outlet in Yogyakarta, Regional
Office XI Semarang area
25 s.d. 29 Juli Kantor Area Kunjungan Kerja Dewan Komisaris ke Kantor Wilayah V Manado PT Pegadaian:
2023 Halmahera Kantor Area Halmahera
July 25-29, dan Papua Kantor Area Papua
2023 Board of Commissioners Working Visit to PT Pegadaian Region V Manado Office:
Halmahera Area Office
Papua Area Office
28 Juli 2023 Kanwil II Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II Pekanbaru
July 28, 2023 Pekanbaru Virtual Working Visit of the Board of Commissioners to Pekanbaru Regional Office II
08 September Kanwil IV Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IV Balikpapan
2023 Balikpapan Virtual Working Visit of the Board of Commissioners to the Balikpapan Region IV
September 8, Office
2023
11 s.d. 13 Kanwil I Menghadiri Undangan Exit Meeting Audit pada Kantor Wilayah I Medan oleh KAP
September Medan Purwantono, Sungkoro & Surja (EY) serta kunjungan kerja ke outlet Pegadaian di
2023 Kantor Wilayah I Medan
September Attended the Audit Exit Meeting Invitation at the Medan Regional Office I by KAP
11-13, 2023 Purwantono, Sungkoro & Surja (EY) as well as a working visit to the Pegadaian outlet
at the Medan Regional I Office
25 s.d. 26 Kanwil IV Menghadiri Undangan Exit Meeting Audit pada Kantor Wilayah IV Balikpapan oleh
September Balikpapan KAP Purwantono, Sungkoro & Surja (EY) serta kunjungan kerja ke outlet Pegadaian di
2023 Kantor Wilayah IV Balikpapan
September 25- Attended the Audit Exit Meeting Invitation at the Balikpapan Region IV Office by KAP
26, 2023 Purwantono, Sungkoro & Surja (EY) as well as a working visit to the Pegadaian outlet
at the Balikpapan Region IV Office
28 s.d. 30 Malang Menghadiri Rapat Koordinasi Dewan Komisaris dan Direksi PT Pegadaian Tahun 2023
September Attend the Coordination Meeting of the Board of Commissioners and Board of
2023 Directors of PT Pegadaian in 2023
September 28-
30, 2023
462 Laporan Tahunan 2023 | PT Pegadaian
Page 463
No Nama Tanggal Tujuan Dalam Rangka
Name Date Objective Agenda
19 Oktober Kanwil XII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II Surabaya
2023 Surabaya Virtual Working Visit of the Board of Commissioners to Regional Office II Surabaya
October 19,
2023
31 Oktober Kanwil I Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah I Medan
2023 Medan Virtual Working Visit of the Board of Commissioners to Medan Regional I Office
October 31,
2023
24 November Kanwil VIII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VIII Jakarta 1
2023 Jakarta 1 Virtual Working Visit of the Board of Commissioners to Regional Office VIII Jakarta 1
November 24,
2023
14 Desember Kanwil IX Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IX Jakarta 2
2023 Jakarta 2 Virtual Working Visit of the Board of Commissioners to Regional Office IX Jakarta 2
December 14,
2023
27 Desember Kanwil VII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VII Denpasar
2023 Denpasar Virtual Working Visit of the Board of Commissioners to Denpasar Region VII Office
December 27,
2023
2. Makmur 19 Januari Kanwil X Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah X Bandung
Keliat 2023 Bandung Virtual Working Visit of the Board of Commissioners to Regional Office X Bandung
January 19,
2023
30 Januari s.d. Area Gunung Kunjungan Kerja Dewan Komisaris ke Wilayah Area Gunung Sitoli dan Banda Aceh
03 Februari Sitoli dan Kanwil I Medan
2023 Banda Aceh Board of Commissioners Working Visit to the Gunung Sitoli Area and Banda Aceh
January 30 to Regional Office I Medan
February 3,
2023
13 s.d. 15 Solo Menghadiri Undangan Rapat Kerja Nasional Satuan Pengawasan Intern (SPI) PT
Februari 2023 Pegadaian Tahun 2023 di Solo serta Monitoring Implementasi Holding Ultra Mikro
February 13-15, (Outlet SenyuM) dan Kunjungan Kerja ke Outlet Pegadaian dan Pengelolaan UMKM di
2023 Area Kanwil XI Semarang
Attending the Invitation to the 2023 PT Pegadaian Internal Audit Unit (SPI) National
Work Meeting in Solo as well as Monitoring the Implementation of Ultra Micro Holding
(Outlet SenyuM) and Working Visits to Pegadaian Outlets and MSME Management in
the Regional Office Area XI Semarang
17 Februari Kanwil VI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VI Makassar
2023 Makassar Virtual Working Visit of the Board of Commissioners to Regional Office VI Makassar
February 17,
2023
10 Maret 2023 Kanwil III Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah III Palembang
March 10, 2023 Palembang Virtual Working Visit of the Board of Commissioners to Palembang Regional Office III
14 April 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah XI Semarang
April 14, 2023 Semarang Virtual Working Visit of the Board of Commissioners to Semarang Region XI Office
04 Juli 2023 Kanwil V Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah V Manado
July 04, 2023 Manado Virtual Working Visit of the Board of Commissioners to Manado Regional Office V
25 s.d. 29 Juli Kantor Area Kunjungan Kerja Dewan Komisaris ke Kantor Wilayah V Manado PT Pegadaian:
2023 Halmahera Kantor Area Halmahera
July 25-29, dan Papua Kantor Area Papua
2023 Board of Commissioners Working Visit to PT Pegadaian Region V Manado Office:
Halmahera Area Office
Papua Area Office
28 Juli 2023 Kanwil II Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II Pekanbaru
July 28, 2023 Pekanbaru Virtual Working Visit of the Board of Commissioners to Pekanbaru Regional Office II
31 Agustus s.d. Kantor XI Menghadiri Undangan Exit Meeting Audit pada Kantor Wilayah XI Semarang oleh KAP
02 September Semarang Purwantono, Sungkono & Surja (EY)
2023 Attended the Audit Exit Meeting Invitation at Semarang Region XI Office by KAP
August 31 to Purwantono, Sungkono & Surja (EY)
September 2,
2023
08 September Kanwil IV Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IV Balikpapan
2023 Balikpapan Virtual Working Visit of the Board of Commissioners to the Balikpapan Region IV
September 8, Office
2023
11 s.d. 13 Kanwil I Menghadiri Undangan Exit Meeting Audit pada Kantor Wilayah I Medan oleh KAP
September Medan Purwantono, Sungkoro & Surja (EY) serta kunjungan kerja ke outlet Pegadaian di
2023 Kantor Wilayah I Medan
September Attended the Audit Exit Meeting Invitation at the Medan Regional Office I by KAP
11-13, 2023 Purwantono, Sungkoro & Surja (EY) as well as a working visit to the Pegadaian outlet
at the Medan Regional I Office
PT Pegadaian | 2023 Annual Report 463
Page 464
Tata Kelola Perusahaan
Corporate Governance
No Nama Tanggal Tujuan Dalam Rangka
Name Date Objective Agenda
28 s.d. 30 Malang Menghadiri Rapat Koordinasi Dewan Komisaris dan Direksi PT Pegadaian Tahun 2023
September Attend the Coordination Meeting of the Board of Commissioners and Board of
2023 Directors of PT Pegadaian in 2023
January 30 to
February 3,
2023
19 Oktober Kanwil XII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II Surabaya
2023 Surabaya Virtual Working Visit of the Board of Commissioners to Regional Office II Surabaya
October 19,
2023
31 Oktober Kanwil I Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah I Medan
2023 Medan Virtual Working Visit of the Board of Commissioners to Medan Regional I Office
October 31,
2023
24 November Kanwil VIII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VIII Jakarta 1
2023 Jakarta 1 Virtual Working Visit of the Board of Commissioners to Regional Office VIII Jakarta 1
November 24,
2023
14 Desember Kanwil IX Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IX Jakarta 2
2023 Jakarta 2 Virtual Working Visit of the Board of Commissioners to Regional Office IX Jakarta 2
December 14,
2023
27 Desember Kanwil VII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VII Denpasar
2023 Denpasar Virtual Working Visit of the Board of Commissioners to Denpasar Region VII Office
December 27,
2023
3. Alpin 19 Januari Kanwil X Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah X Bandung
Napitupulu 2023 Bandung Virtual Working Visit of the Board of Commissioners to Regional Office X Bandung
January 19,
2023
30 Januari s.d. Area Gunung Kunjungan Kerja Dewan Komisaris ke Wilayah Area Gunung Sitoli dan Banda Aceh
03 Februari Sitoli dan Kanwil I Medan
2023 Banda Aceh Board of Commissioners Working Visit to the Gunung Sitoli Area and Banda Aceh
January 30 to Regional Office I Medan
February 3,
2023
13 s.d. 15 Solo Menghadiri Undangan Rapat Kerja Nasional Satuan Pengawasan Intern (SPI) PT
Februari 2023 Pegadaian Tahun 2023 di Solo serta Monitoring Implementasi Holding Ultra Mikro
February 13-15, (Outlet SenyuM) dan Kunjungan Kerja ke Outlet Pegadaian dan Pengelolaan UMKM di
2023 Area Kanwil XI Semarang
Attending the Invitation to the 2023 PT Pegadaian Internal Audit Unit (SPI) National
Work Meeting in Solo as well as Monitoring the Implementation of Ultra Micro Holding
(Outlet SenyuM) and Working Visits to Pegadaian Outlets and MSME Management in
the Regional Office Area XI Semarang
17 Februari Kanwil VI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VI Makassar
2023 Makassar Virtual Working Visit of the Board of Commissioners to Regional Office VI Makassar
February 17,
2023
10 Maret 2023 Kanwil III Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah III Palembang
March 10, 2023 Palembang Virtual Working Visit of the Board of Commissioners to Palembang Regional Office III
14 April 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah XI Semarang
April 14, 2023 Semarang Virtual Working Visit of the Board of Commissioners to Semarang Region XI Office
04 Juli 2023 Kanwil V Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah V Manado
July 04, 2023 Manado Virtual Working Visit of the Board of Commissioners to Manado Regional Office V
25 s.d. 29 Juli Kantor Area Kunjungan Kerja Dewan Komisaris ke Kantor Wilayah V Manado PT Pegadaian:
2023 Halmahera Kantor Area Halmahera
July 25-29, dan Papua Kantor Area Papua
2023 Board of Commissioners Working Visit to PT Pegadaian Region V Manado Office:
Halmahera Area Office
Papua Area Office
28 Juli 2023 Kanwil II Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II Pekanbaru
July 28, 2023 Pekanbaru Virtual Working Visit of the Board of Commissioners to Pekanbaru Regional Office II
08 September Kanwil IV Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IV Balikpapan
2023 Balikpapan Virtual Working Visit of the Board of Commissioners to the Balikpapan Region IV
September 8, Office
2023
11 s.d. 13 Kanwil I Menghadiri Undangan Exit Meeting Audit pada Kantor Wilayah I Medan oleh KAP
September Medan Purwantono, Sungkoro & Surja (EY) serta kunjungan kerja ke outlet Pegadaian di
2023 Kantor Wilayah I Medan
September Attended the Audit Exit Meeting Invitation at the Medan Regional Office I by KAP
11-13, 2023 Purwantono, Sungkoro & Surja (EY) as well as a working visit to the Pegadaian outlet
at the Medan Regional I Office
464 Laporan Tahunan 2023 | PT Pegadaian
Page 465
No Nama Tanggal Tujuan Dalam Rangka
Name Date Objective Agenda
25 s.d. 26 Kanwil Menghadiri Undangan Exit Meeting Audit pada Kantor Wilayah IV Balikpapan oleh
September Balikpapan KAP Purwantono, Sungkoro & Surja (EY) serta kunjungan kerja ke outlet Pegadaian di
2023 Kantor Wilayah IV Balikpapan
September 25- Attended the Audit Exit Meeting Invitation at the Balikpapan Region IV Office by KAP
26, 2023 Purwantono, Sungkoro & Surja (EY) as well as a working visit to the Pegadaian outlet
at the Balikpapan Region IV Office
19 Oktober Kanwil XII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II Surabaya
2023 Surabaya Virtual Working Visit of the Board of Commissioners to Regional Office II Surabaya
October 19,
2023
31 Oktober Kanwil I Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah I Medan
2023 Medan Virtual Working Visit of the Board of Commissioners to Medan Regional I Office
October 31,
2023
24 November Kanwil VIII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VIII Jakarta 1
2023 Jakarta 1 Virtual Working Visit of the Board of Commissioners to Regional Office VIII Jakarta 1
November 24,
2023
14 Desember Kanwil IX Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IX Jakarta 2
2023 Jakarta 2 Virtual Working Visit of the Board of Commissioners to Regional Office IX Jakarta 2
December 14,
2023
27 Desember Kanwil VII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VII Denpasar
2023 Denpasar Virtual Working Visit of the Board of Commissioners to Denpasar Region VII Office
December 27,
2023
4. Vicky Taufik 19 Januari Kanwil X Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah X Bandung
2023 Bandung Virtual Working Visit of the Board of Commissioners to Regional Office X Bandung
January 19,
2023
13 s.d. 15 Solo Menghadiri Undangan Rapat Kerja Nasional Satuan Pengawasan Intern (SPI) PT
Februari 2023 Pegadaian Tahun 2023 di Solo serta Monitoring Implementasi Holding Ultra Mikro
February 13-15, (Outlet SenyuM) dan Kunjungan Kerja ke Outlet Pegadaian dan Pengelolaan UMKM di
2023 Area Kanwil XI Semarang
Attending the Invitation to the 2023 PT Pegadaian Internal Audit Unit (SPI) National
Work Meeting in Solo as well as Monitoring the Implementation of Ultra Micro Holding
(Outlet SenyuM) and Working Visit to Pegadaian Outlets and MSME Management in
the Regional Office Area XI Semarang
17 Februari Kanwil VI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VI Makassar
2023 Makassar Virtual Working Visit of the Board of Commissioners to Regional Office VI Makassar
February 17,
2023
10 Maret 2023 Kanwil III Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah III Palembang
March 10, 2023 Palembang Virtual Working Visit of the Board of Commissioners to Palembang Regional Office III
14 April 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah XI Semarang
April 14, 2023 Semarang Virtual Working Visit of the Board of Commissioners to Semarang Region XI Office
23 s.d. 24 Mei Kanwil VII Kunjungan Kerja Dewan Komisaris ke Area Kanwil VII Denpasar PT Pegadaian
2023 Denpasar Board of Commissioners Working Visit to Area Kanwil VII Denpasar PT Pegadaian
May 23-24,
2023
04 Juli 2023 Kanwil V Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah V Manado
July 04, 2023 Manado Virtual Working Visit of the Board of Commissioners to Manado Regional Office V
25 s.d. 29 Juli Kantor Area Kunjungan Kerja Dewan Komisaris ke Kantor Wilayah V Manado PT Pegadaian:
2023 Halmahera a. Kantor Area Halmahera
July 25-29, dan Papua b. Kantor Area Papua
2023 Board of Commissioners Working Visit to PT Pegadaian Region V Manado Office:
a. Halmahera Area Office
b. Papua Area Office
28 Juli 2023 Kanwil II Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II Pekanbaru
July 28, 2023 Pekanbaru Virtual Working Visit of the Board of Commissioners to Pekanbaru Regional Office II
31 Agustus s.d. Kanwil XI Menghadiri Undangan Exit Meeting Audit pada Kantor Wilayah XI Semarang oleh KAP
2 September Semarang Purwantono, Sungkoro & Surja (EY)
2023 Attended the Audit Exit Meeting Invitation at Semarang Region XI Office by KAP
August 31 to Purwantono, Sungkoro & Surja (EY)
September 2,
2023
08 September Kanwil IV Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IV Balikpapan
2023 Balikpapan Virtual Working Visit of the Board of Commissioners to the Balikpapan Region IV
September 8, Office
2023
PT Pegadaian | 2023 Annual Report 465
Page 466
Tata Kelola Perusahaan
Corporate Governance
No Nama Tanggal Tujuan Dalam Rangka
Name Date Objective Agenda
25 s.d. 27 Yogyakarta Menghadiri Undangan Forum Penguatan Governansi dan Integritas Pelaporan
September Keuangan dari Kementerian BUMN serta Kunjungan Kerja ke Outlet Pegadaian di Area
2023 Yogyakarta
September Attending an Invitation to the Forum on Strengthening Governance and Integrity of
25-27, 2023 Financial Reporting from the Ministry of SOEs as well as a Working Visit to Pegadaian
Outlets in the Yogyakarta Area
19 Oktober Kanwil XII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II Surabaya
2023 Surabaya Virtual Working Visit of the Board of Commissioners to Regional Office II Surabaya
October 19,
2023
31 Oktober Kanwil I Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah I Medan
2023 Medan Virtual Working Visit of the Board of Commissioners to Medan Regional I Office
October 31,
2023
24 November Kanwil VIII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VIII Jakarta 1
2023 Jakarta 1 Virtual Working Visit of the Board of Commissioners to Regional Office VIII Jakarta 1
November 24,
2023
14 Desember Kanwil IX Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IX Jakarta 2
2023 Jakarta 2 Virtual Working Visit of the Board of Commissioners to Regional Office IX Jakarta 2
December 14,
2023
27 Desember Kanwil VII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VII Denpasar
2023 Denpasar Virtual Working Visit of the Board of Commissioners to Denpasar Region VII Office
December 27,
2023
Komite Pemantau Risiko Risk Monitoring Committee
Komite Pemantau Risiko merupakan komite yang The Risk Monitoring Committee is a committee formed
dibentuk oleh Dewan Komisaris dalam rangka by the Board of Commissioners in order to assist
membantu Dewan Komisaris dalam menjalankan the Board of Commissioners in carrying out its risk
peran pemantauan risiko di Perseroan, terutama monitoring role in the Company, especially in terms
dalam hal mewujudkan terlaksananya pengawasan of realizing the implementation of supervision and
dan pemantauan terhadap pelaksanaan manajemen monitoring of the implementation of risk management
risiko di Perusahaan, meningkatkan kinerja, efektivitas in the Company, improving performance, effectiveness
dan kemandirian pemantauan risiko, serta memastikan and independence of risk monitoring, and ensuring
kualitas pelaporan pemantauan manajemen risiko. quality. risk management monitoring reporting.
Pedoman Kerja: Piagam Komite Pemantau Work Guidelines: Risk Monitoring
Risiko Committee Charter
Pedoman kerja Komite Pemantau Risiko mengacu The Risk Monitoring Committee’s work guidelines
pada Keputusan Dewan Komisaris No. KEP-10/ refer to the Decree of the Board of Commissioners
KP/ DK.GD/09/2020 tanggal 10 September 2020 No. KEP10/KP/DK.GD/09/2020 dated 10 September
tentang Piagam Komite Pemantau Risiko yang telah 2020 concerning the updated Risk Monitoring
diperbarui sesuai dengan Perubahan Nomenklatur Committee Charter in accordance with the Changes
Komite Manajemen Risiko & Remunerasi dan Nominasi in Nomenclature of the Risk Management &
menjadi Komite Pemantau Risiko. Remuneration Committee and Nomination to become
the Risk Monitoring Committee The Risk Monitoring
Piagam Komite Pemantau Risiko mengatur antara Committee Charter regulates, among other things,
lain Organisasi, Keanggotaan, Ruang Lingkup, Tugas the Organization, Membership, Scope, Duties and
dan Kewenangan, Hubungan dengan pihak-pihak Authorities, Relations with related parties, Meetings,
terkait, Rapat, Kode Etik, Pelaporan, Penilaian Kinerja, Code of Ethics, Reporting, Performance Appraisal,
Penghasilan, serta Rencana Kerja dan Anggaran. Income, and Work and Budget Plan.
Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab Komite Pemantau Risiko, The duties and responsibilities of the Risk Monitoring
adalah sebagai berikut: Committee are as follows:
466 Laporan Tahunan 2023 | PT Pegadaian
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1. Melakukan pemantauan dan evaluasi pelaksanaan 1. Monitor and evaluate the implementation of the
tugas Divisi Manajemen Risiko guna memberikan duties of the Risk Management Division in order
rekomendasi kepada Dewan Komisaris; to provide recommendations to the Board of
Commissioners;
2. Melakukan evaluasi tentang hasil pemantauan 2. Evaluate the results of risk monitoring by the
risiko oleh Komite Pemantau Risiko terutama Risk Monitoring Committee, especially in terms
dalam hal kesesuaian antara kebijakan dan of conformity between the Company’s risk
strategi manajemen risiko Perseroan dengan management policies and strategies and their
pelaksanaannya; implementation;
3. Melaksanakan tugas lain yang diberikan Dewan 3. Carry out other tasks given by the Board of
Komisaris sepanjang masih dalam lingkup tugas Commissioners as long as they are within the
dan kewajiban Dewan Komisaris, khususnya di scope of the duties and obligations of the Board
bidang Pemantauan Risiko serta berdasarkan of Commissioners, especially in the field of Risk
ketentuan peraturan perundang-undangan yang Monitoring and based on the provisions of the
berlaku; applicable laws and regulations;
4. Komite Pemantau Risiko wajib melaporkan hasil 4. The Risk Monitoring Committee is obliged to report
evaluasi secara berkala kepada Dewan Komisaris the evaluation results periodically to the Board
sesuai ketentuan yang berlaku. of Commissioners in accordance with applicable
regulations.
Komposisi Komite Pemantau Risiko Composition of the Risk Monitoring
Committee
Per 31 Desember 2023, Komite Pemantau Risiko As of December 31, 2023, the Risk Monitoring
mengalami perubahan komposisi. Adapun susunan Committee underwent changes in composition. The
Komite Pemantau Risiko adalah sebagai berikut: composition of the Risk Monitoring Committee is as
follows:
Susunan Komite Pemantau Risiko per 31 Desember 2023
Composition of the Risk Monitoring Committee as of December 31, 2023
Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Name Position Basis of Appointment Term of Office Jabatan
Service Period
Surat Keputusan Dewan Komisaris PT Pegadaian No. KEP- Mengikuti masa
01/KP/DK.GD/02/2023 tanggal 14 Februari 2023 tentang jabatan sebagai
Perubahan Anggota Komite Pemantau Risiko PT Pegadaian Dewan Komisaris
Makmur Ketua Ke-1
Decree of the Board of Commissioners of PT Pegadaian Following his
Keliat Chairman 1st
No. KEP-01/KP/DK.GD/02/2023 dated February 14, 2023 term of office
concerning Changes in Members of the Risk Monitoring as the Board of
Committee of PT Pegadaian Commissioners
Surat Keputusan Dewan Komisaris PT Pegadaian No. KEP- Mengikuti masa
01/KP/DK.GD/02/2023 tanggal 14 Februari 2023 tentang jabatan sebagai
Yudi Perubahan Anggota Komite Pemantau Risiko PT Pegadaian Dewan Komisaris
Anggota Ke-1
Priambodo Decree of the Board of Commissioners of PT Pegadaian Following his
Member 1st
P. No. KEP-01/KP/DK.GD/02/2023 dated February 14, 2023 term of office
concerning Changes in Members of the Risk Monitoring as the Board of
Committee of PT Pegadaian Commissioners
Surat Keputusan Dewan Komisaris PT Pegadaian No. KEP- Mengikuti masa
01/KP/DK.GD/02/2023 tanggal 14 Februari 2023 tentang jabatan sebagai
Umiyatun Perubahan Anggota Komite Pemantau Risiko PT Pegadaian Dewan Komisaris
Anggota Ke-2
Hayati Decree of the Board of Commissioners of PT Pegadaian Following her
Member 2nd
Triastuti No. KEP-01/KP/DK.GD/02/2023 dated February 14, 2023 term of office
concerning Changes in Members of the Risk Monitoring as the Board of
Committee of PT Pegadaian Commissioners
Surat Keputusan Dewan Komisaris PT Pegadaian No. KEP- Mengikuti masa
01/KP/DK.GD/02/2023 tanggal 14 Februari 2023 tentang jabatan sebagai
Perubahan Anggota Komite Pemantau Risiko PT Pegadaian Dewan Komisaris
Anggota Ke-1
Sudarto Decree of the Board of Commissioners of PT Pegadaian Following his
Member 1st
No. KEP-01/KP/DK.GD/02/2023 dated February 14, 2023 term of office
concerning Changes in Members of the Risk Monitoring as the Board of
Committee of PT Pegadaian Commissioners
PT Pegadaian | 2023 Annual Report 467
Page 468
Tata Kelola Perusahaan
Corporate Governance
Susunan Komite Pemantau Risiko per 31 Desember 2023
Composition of the Risk Monitoring Committee as of December 31, 2023
Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Name Position Basis of Appointment Term of Office Jabatan
Service Period
Surat Keputusan Dewan Komisaris PT Pegadaian No. KEP-
01/KP/DK.GD/02/2023 tanggal 14 Februari 2023 tentang
Perubahan Anggota Komite Pemantau Risiko PT Pegadaian 5 Juni 2020-2025
Humbul Anggota Ke-2
Decree of the Board of Commissioners of PT Pegadaian June 5, 2020 -
Kristiawan Member 2nd
No. KEP-01/KP/DK.GD/02/2023 dated February 14, 2023 2025
concerning Changes in Members of the Risk Monitoring
Committee of PT Pegadaian
Surat Keputusan Dewan Komisaris PT Pegadaian No. KEP-
01/KP/DK.GD/02/2023 tanggal 14 Februari 2023 tentang
Perubahan Anggota Komite Pemantau Risiko PT Pegadaian 1 Juli 2021-2024
Charles R. Anggota Ke-1
Decree of the Board of Commissioners of PT Pegadaian July 1, 2021 –
Vorst Member 1st
No. KEP-01/KP/DK.GD/02/2023 dated February 14, 2023 2-024
concerning Changes in Members of the Risk Monitoring
Committee of PT Pegadaian
Makmur Keliat
Ketua Komite Pemantau Risiko/Komisaris Independen
Chairman of the Risk Monitoring Committee/Independent Commissioner
Profil Ketua Komite Pemantau Risiko /Komisaris Independen Makmur Keliat dapat dilihat pada bagian Profil Dewan
Komisaris, bab Profil Perusahaan pada Laporan Tahunan ini
The profile of the Chairman of the Risk Monitoring Committee / Independent Commissioner Makmur Keliat can be seen in
the Board of Commissioners Profile section, Company Profile chapter in this Annual Report.
Umiyatun Hayati Triastuti
Anggota Komite Pemantau Risiko/Komisaris
Member of the Risk Monitoring Committee/Commissioner
Profil Anggota Komite Pemantau Risiko /Komisaris Umiyatun Hayati Triastuti dapat dilihat pada bagian Profil Dewan
Komisaris, bab Profil Perusahaan pada Laporan Tahunan ini
The profile of Member of Risk Monitoring Committee / Commissioner Umiyatun Hayati Triastuti can be seen in the Board of
Commissioners Profile section, Company Profile chapter in this Annual Report.
Yudi Priambodo P.
Anggota Komite Pemantau Risiko/Komisaris Independen
Member of the Risk Monitoring Committee/Independent Commissioner
Profil Anggota Komite Pemantau Risiko /Komisaris Independen Yudi Priambodo P. dapat dilihat pada bagian Profil Dewan
Komisaris, bab Profil Perusahaan pada Laporan Tahunan ini.
The profile of Member of Risk Monitoring Committee / Independent Commissioner Yudi Priambodo P. can be seen in the
Board of Commissioners Profile section, Company Profile chapter in this Annual Report.
Sudarto
Anggota Komite Pemantau Risiko/Komisaris
Member of the Risk Monitoring Committee/ Commissioner
Profil Anggota Komite Pemantau Risiko/Komisaris Sudarto dapat dilihat pada bagian Profil Dewan Komisaris, bab Profil
Perusahaan pada Laporan Tahunan ini
The profile of Member of Risk Monitoring Committee / Commissioner Sudarto can be seen in the Board of Commissioners
Profile section, Company Profile chapter in this Annual Report.
468 Laporan Tahunan 2023 | PT Pegadaian
Page 469
Humbul Kristiawan
Anggota Komite Pemantau Risiko
Member of the Risk Monitoring Committee
Periode Jabatan: 5 Juni 2023-2025, Periode Pertama
Term of Office: June 5, 2023-2025, Second Period
Warga negara Indonesia
Data Pribadi Usia 48 tahun
Personal Data Indonesian Citizen
Age of 48 year old
Domisili
Jakarta Selatan, DKI Jakarta, Indonesia
Domicile
• Sarjana Ekonomi (Akuntansi) dari Universitas Padjajaran (1997)
Pendidikan • Bachelor of Economics (Accounting) from Padjadjaran University (1997)
Education • Master of Business Administration, School of Business & Management ITB (2012)
• Sarjana Ekonomi (Akuntansi) dari Universitas Padjadjaran (1997)
• Chartered Accountant (CA), No. 11. D20117, from The Institute of Indonesia Chartered Accountants
Sertifikasi • Certified Internal Auditor (CIA), No. 49978, from The Institute of Internal Auditors
yang Dimiliki • Certified Internal Control Auditor (CICA), No. 14075999, from The Institute of Internal Controls
Certifications • Certification in Audit Committee Practices (CACP)
Obtained • Register Negara untuk Akuntan, No. D-20.117, dari Departemen Keuangan RI
• Governance, Risk and Compliance Professional (GRCP)
• Integrated Governance Committee Member, Bank BJB, Bandung (2022-sekarang)
• Audit Committee Member, PT Bank UOB Indonesia, Jakarta (2021-sekarang)
• Risk Monitoring Committee Member, PT Pegadaian, Jakarta (2020-sekarang)
• Partner, Government Sector Leader, RSM AAJ, Consulting (2017-2018)
• Consultant (the latest position was Equity Partner), Deloitte South East Asia, Business & Risk Consulting
(2006-2016)
Riwayat • Guest Lecturer (Risk Management, Pengukuran Kinerja Sektor Publik, Psikologi Industri, and Business
Profesi Communication), Universitas Padjadjaran (2008-sekarang)
Professional • Risk Management, (latest position was Manager), Citibank N.A., Credit Risk (2005-2006)
History • Consultant (latest position was Associate Manager) Ernst & Young, Business & Risk Services (2000-
2005)
• Consultant, Deloitte, Tax & Corporate Recovery (1999-2000)
• Corporate Auditor, PT HM Sampoerna Tbk. (1998-1999); Finance, Bikki Consortium, Contractor in
Telecommunication (1998-1998)
• Consultant, Faisal Affif & Rekan, Management Consulting, Bandung (1995-1998)
• Lecturer Assistant, Fakultas Ekonomi Universitas Padjadjaran, Bandung (1995-1997)
Rangkap • Integrated Governance Committee Member, Bank BJB, Bandung (2022-sekarang/ present);
Jabatan • Audit Committee Member, PT Bank UOB Indonesia, Jakarta (2021-sekarang/ present);
Concurrent • Guest Lecturer (Risk Management, Pengukuran Kinerja Sektor Publik, Psikologi Industri, and Business
Position Communication), Universitas Padjadjaran (2008-sekarang/ present).
Hubungan Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris dan Direksi dan Pemegang Saham
Afiliasi Pengendali.
Affiliate Has no affiliation with members of the Board of Commissioners and Board of Directors as well as
Relationship Controlling Shareholders.
PT Pegadaian | 2023 Annual Report 469
Page 470
Tata Kelola Perusahaan
Corporate Governance
Charles R. Vorst
Anggota Komite Pemantau Risiko
Member of the Risk Monitoring Committee
Periode Jabatan: 1 Juli 2021-2024, Periode Pertama
Term of Office: 1 July 2021-2024, First Term
Warga negara Indonesia
Data Pribadi Usia 49 tahun
Personal Data Indonesian Citizen
Age of 49 year old
Domisili
Jakarta Timur, DKI Jakarta, Indonesia
Domicile
Pendidikan • Master of Management-Universitas Bakrie, Jakarta (2018)
Education • Sarjana Ekonomi dari Unika Atmajaya, Jakarta (1997)
• Certified Chief Governance Officer (CCGO)
Sertifikasi yang • Certified Governance Officer Professional (CGOP)
Dimiliki • Certified Enterprise Risk Governance (CERG)
Certifications • Enterprise Risk Management Certified Professional (ERMCP)
Obtained • Qualified Chief Risk Officer (QCRO)
• Qualified Risk Governance Professional (QRGP)
• Risk Management Committee, Lembaga Penjamin Simpanan (2022-sekarang); Risk Oversight
Committee, PT Pegadaian (2021-sekarang)
• Licensed Competency Assessor, LSP MKS (2016-sekarang)
• Technical Adviser, CRMS Indonesia (2012-sekarang)
Riwayat Profesi
• Head of Consulting Division, APB Indonesia (2007-2012)
Professional
• Senior Manager Securities & Asset Management Solutions, PT Limas Indonesia Makmur, Tbk. (2005-
History
2007)
• Finance & Compliance Officer, Floor Trader, Equity Dealer, Equity Sales, PT Equity Sekuritas (2000-
2005)
• Card Support, PT Bank Permata (d/h. PT Bank Bali) (1997-2000)
Rangkap Jabatan • Risk Management Committee, Lembaga Penjamin Simpanan (2022-sekarang)
Concurrent • Licensed Competency Assessor, LSP MKS (2016-sekarang)
Position • Technical Adviser, CRMS Indonesia (2012-sekarang)
Hubungan Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris dan Direksi dan Pemegang Saham
Afiliasi Pengendali.
Affiliate Has no affiliation with members of the Board of Commissioners and Board of Directors as well as
Relationship Controlling Shareholders.
Independensi Komite Pemantau Risiko Independence of the Risk Monitoring
Committee
Perseroan mengatur persyaratan independensi Komite The Company regulates the requirements for the
Pemantau Risiko dalam Piagam Komite Pemantau independence of the Risk Monitoring Committee in
Risiko, antara lain: the Risk Monitoring Committee Charter, including:
1. Jika ada Anggota Komite Pemantau Risiko berasal 1. If a Risk Monitoring Committee Member comes
dari sebuah institusi tertentu, maka institusi from a certain institution, then the institution
dimana anggota Komite Pemantau Risiko tersebut where the Risk Monitoring Committee member
berasal tidak boleh memberikan jasa pada BUMN comes from may not provide services to the SOE
yang bersangkutan. concerned.
2. Tidak memangku jabatan rangkap sebagai 2. Do not hold concurrent positions as administrators
pengurus partai politik dan/atau calon/anggota of political parties and/or candidates/members
legislatif dan/ atau calon kepala daerah/wakil of the legislature and/or candidates for regional
kepala daerah dan jabatan lain sesuai dengan head/deputy regional head and other positions
ketentuan peraturan perundang-undangan yang in accordance with the provisions of laws and
dapat menimbulkan benturan kepentingan. regulations which may cause a conflict of interest.
470 Laporan Tahunan 2023 | PT Pegadaian
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3. Anggota Komite Pemantau Risiko yang berasal 3. Members of the Risk Monitoring Committee who
dari luar Perseroan dilarang mempunyai hubungan come from outside the Company are prohibited
keluarga sedarah dan semenda sampai derajat from having family relations by blood and
ketiga, baik menurut garis lurus maupun garis ke marriage to the third degree, both in a straight
samping, dengan Anggota Dewan Komisaris dan line and sideways, with Members of the Board
Anggota Direksi Perseroan. of Commissioners and Members of the Board of
Directors of the Company.
4. Tidak memiliki kepentingan/keterkaitan pribadi 4. Has no personal interests/relationships that can
yang dapat menimbulkan dampak negatif dan have a negative impact and conflict of interest on
benturan kepentingan terhadap Perseroan. the Company.
Independensi Komite Pemantau Risiko
Independence of Risk Monitoring Committee
Umiyatun Yudi Humbul Charles
Makmur Keliat Sudarto
Aspek Independensi Hayati Triastuti Priambodo Kristiawan R. Vorst
(Ketua/ (Anggota/
Independence Aspect (Anggota/ P. (Anggota/ (Anggota/ (Anggota/
Chairman) Member)
Member) Member) Member) Member)
Terdapat institusi dimana anggota
Komite Audit tersebut berasal
memberikan jasa pada Perseroan.
There are institutions where x x x x x x
members of the Risk Management
Committee come from to provide
services to the Company
Memangku jabatan rangkap sebagai
pengurus partai politik dan/atau
calon/anggota legislatif dan/
atau calon kepala daerah/wakil
kepala daerah dan jabatan lain
sesuai dengan ketentuan peraturan
perundang-undangan yang dapat
menimbulkan benturan kepentingan.
Holding concurrent positions as x x x x x x
administrators of political parties
and/or candidates/members of the
legislature and/ or candidates for
regional head/deputy regional head
and other positions in accordance
with the provisions of laws and
regulations which may cause a
conflict of interest.
Anggota Komite yang berasal
dari luar Perseroan mempunyai
hubungan keluarga sedarah dan
semenda sampai derajat ketiga baik
menurut garis lurus maupun garis
ke samping dengan Anggota Dewan
Komisaris, dan Anggota Direksi
Perseroan.
x x x x x x
Members of the Committee who
come from outside the Company
have blood and marital relations
to the third degree both in a
straight line and a sideways line
with Members of the Board of
Commissioners and Members of the
Board of Directors of the Company.
PT Pegadaian | 2023 Annual Report 471
Page 472
Tata Kelola Perusahaan
Corporate Governance
Independensi Komite Pemantau Risiko
Independence of Risk Monitoring Committee
Umiyatun Yudi Humbul Charles
Makmur Keliat Sudarto
Aspek Independensi Hayati Triastuti Priambodo Kristiawan R. Vorst
(Ketua/ (Anggota/
Independence Aspect (Anggota/ P. (Anggota/ (Anggota/ (Anggota/
Chairman) Member)
Member) Member) Member) Member)
Mewakili kepentingan pihak lain yang
mempunyai hubungan usaha dengan
Perseroan antara lain pemasok,
pembeli, kreditur maupun debitur
Perseroan.
x x x x x x
Representing the interests of other
parties who have business relations
with the Company, including
suppliers, buyers, creditors and
debtors of the Company.
v = ada | x = tidak ada
v = exist | x = none
Transparansi Hubungan Afiliasi Komite Pemantau Risiko
Transparency of Affiliate Relations of the Risk Monitoring Committee
Makmur Umiyatun Yudi Humbul Charles
Sudarto
Hubungan Afiliasi Keliat Hayati Triastuti Priambodo Kristiawan R. Vorst
(Anggota/
Affiliate Relations (Ketua/ (Anggota/ P. (Anggota/ (Anggota/ (Anggota/
Member)
Chairman) Member) Member) Member) Member)
Dengan Anggota Dewan Komisaris
With Members of the Board of x x x x x x
Commissioners
Dengan Direksi
x x x x x x
With the Board of Directors
Dengan Pemegang Saham Utama/
Pengendali dan Pemerintah Indonesia
sebagai Entitas Pemilik Akhir
x x x x x x
With Major/Controlling Shareholders
and the Government of Indonesia as
the Ultimate Owner Entity
v = ada | x = tidak ada
v = exist | x = none
Transparansi Rangkap Jabatan Komite Pemantau Risiko
Position of the Risk Monitoring Committee
Rangkap Jabatan
Nama Jabatan di Pegadaian Rangkap Jabatan di Perseroan/Instansi Lain
Name Position Concurrent Concurrent Position at Other Companies/Institutions
Position at
Pegadaian
Komisaris Dosen pengajar di Departemen Hubungan Internasional Fakultas
Ketua Independen Ilmu Sosial dan Ilmu Politik Universitas Indonesia
Makmur Keliat
Chairman Independent Lecturer at the Department of International Relations, Faculty of
Commissioner Social and Political Sciences, University of Indonesia
Staf Ahli Menteri Keuangan Bidang Pengeluaran Negara,
Anggota Komisaris Kementerian Keuangan
Sudarto
Member Commissioner Expert Staff to the Minister of Finance for State Expenditures,
Ministry of Finance
Komisaris
Umiyatun Hayati Anggota Independen Asesor Lembaga Sertifikasi Pasar Modal (LSP PM)
Triastuti Member Independent Assessor at Capital Market Certification Institution (LSP PM)
Commissioner
Ahli Utama-Widyaiswara Badan Pengembangan Sumber Daya
Anggota Komisaris Manusia Perhubungan, Kementerian Perhubungan
Yudi Priambodo P.
Member Commissioner Main Expert – Widyaiswara of the Transportation Human
Resources Development Agency, Ministry of Transportation
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Transparansi Rangkap Jabatan Komite Pemantau Risiko
Position of the Risk Monitoring Committee
Rangkap Jabatan
Nama Jabatan di Pegadaian Rangkap Jabatan di Perseroan/Instansi Lain
Name Position Concurrent Concurrent Position at Other Companies/Institutions
Position at
Pegadaian
• Integrated Governance Committee Member, Bank BJB,
Bandung
• Audit Committee Member, PT Bank UOB Indonesia, Jakarta
• Guest Lecturer (Risk Management, Pengukuran Kinerja Sektor
Publik, Psikologi Industri, dan Business Communication),
Anggota Tidak Ada Universitas Padjadjaran
Humbul Kristiawan
Member None • Integrated Governance Committee Member, Bank BJB,
Bandung
• Audit Committee Member, PT Bank UOB Indonesia, Jakarta
• Guest Lecturer (Risk Management, Public Sector
Performance Measurement, Industrial Psychology, and
Business Communication), Padjadjaran University
• Risk Management Committee, Lembaga Penjamin Simpanan
• Licensed Competency Assessor, LSP MKS
Anggota Tidak Ada • Technical Adviser, CRMS Indonesia
Charles R. Vorst
Member None • Risk Management Committee, Deposit Insurance Corporation
• Licensed Competency Assessor, LSP MKS
• Technical Adviser, CRMS Indonesia
Program Peningkatan Kompetensi Competency Improvement Program
Program peningkatan kompetensi dilakukan oleh Competency improvement program is carried
Komite Pemantau Risiko agar senantiasa dapat out by the Risk Monitoring Committee so that it
mengikuti informasi tentang perkembangan terkini can always follow information about the latest
dari aktivitas usaha Perseroan dan pengetahuan- developments in the Company’s business activities
pengetahuan lain terkait dengan pelaksanaan tugas and other knowledge on the implementation of the
Komite Pemantau Risiko. Kegiatan peningkatan Risk Monitoring Committee’s duties. Competency
kompetensi yang diikuti oleh seluruh anggota Komite improvement activities participated in by all members
Pemantau Risiko sepanjang tahun 2023 dapat dilihat of the Risk Monitoring Committee throughout 2023
pada bab Profil Perusahaan dalam Laporan Tahunan can be seen in the Company Profile chapter in this
ini. Annual Report.
Kebijakan Remunerasi Remuneration Policy
Sesuai dengan Peraturan Menteri BUMN No. PER- In accordance with Regulation of Minister of SOEs
3/MBU/03/2023 tentang Organ dan Sumber Daya No. PER- 3/MBU/03/2023 concerning Organs and
Manusia Badan Usaha Milik Negara, penghasilan Resources of State-Owned Enterprises, the income
Anggota Komite ditetapkan oleh Dewan Komisaris of Committee Members is determined by the
dengan Memperhatikan kemampuan Perusahaan. Board of Commissioners by taking into account the
Penghasilan Anggota Komite Audit, Komite Nominasi Company’s capabilities. The income of members of
dan Remunerasi, dan Komite Pemantau Risiko terdiri the Audit Committee, Nomination and Remuneration
dari honorarium dengan maksimal sebesar 20% (dua Committee, and Risk Monitoring Committee consists of
puluh persen) dari gaji Direktur Utama Perusahaan, honorarium with a maximum of 20% (twenty percent)
fasilitas kesehatan berupa rawat inap, rawat jalan, dan of the salary of the President Director of the Company,
obat-obatan bagi yang bersangkutan, tidak termasuk health facilities in the form of inpatient, outpatient,
keluarga dan tunjangan hari raya yang dibayarkan and medicines for those concerned, does not include
sekali dalam 1 (satu) tahun sebesar 1 (satu) kali family and holiday allowances which are paid once a
honorarium. year in the amount of 1 (one) time honorarium.
PT Pegadaian | 2023 Annual Report 473
Page 474
Tata Kelola Perusahaan
Corporate Governance
Anggota Dewan Komisaris yang menjadi Ketua/ Members of the Board of Commissioners who are
Anggota Komite Audit, Komite Nominasi dan Chair/Members of the Audit Committee, Nomination
Remunerasi, dan Komite Pemantau Risiko tidak and Remuneration Committee, and Risk Monitoring
diberikan penghasilan tambahan dari jabatan tersebut Committee are not given additional income from
selain penghasilan sebagai anggota Dewan Komisaris. these positions other than income as members of the
Kebijakan remunerasi bagi Komite Audit, Komite Board of Commissioners. The remuneration policy for
Nominasi dan Remunerasi, dan Komite Pemantau the Audit Committee, Nomination and Remuneration
Risiko yang bukan merupakan anggota Dewan Committee, and Risk Monitoring Committee who are
Komisaris telah diatur berdasarkan Surat Dewan not members of the Board of Commissioners has been
Komisaris No. S-41/DK.GD/09/2022 tanggal 19 regulated based on Board of Commissioners’ Decree
September 2022 perihal Tunjangan dan Fasilitas No. S-41/DK.GD/09/2022 dated September 19 2022
Organ Dewan Komisaris PT Pegadaian dan Surat concerning Benefits and Facilities for the Organs of
Dewan Komisaris No. S-44/DK.GD/11/2023 tanggal the Board of Commissioners of PT Pegadaian and
8 November 2023 perihal Honorarium, Tunjangan, Decree of the Board of Commissioners No. S-44/
dan Fasilitas Organ Dewan Komisaris PT Pegadaian, DK.GD/11/2023 dated November 8, 2023 concerning
dengan rincian sebagai berikut: Honorarium, Benefits and Facilities for the Board of
Commissioners of PT Pegadaian, with the following
details:
Remunerasi Komite Pemantau Risiko Tahun 2023
Risk Monitoring Committee Remuneration in 2023
Komite Pemantau Risiko*
Bulan Uraian Risk Monitoring Committee
Month Description
Humbul Kristiawan Charles Reinier Vorst
Januari 2023 Honorarium 30.100.000 30.100.000
Februari 2023 Honorarium 30.100.000 30.100.000
Maret 2023 Honorarium 30.100.000 30.100.000
April 2023 THR 30.100.000 30.100.000
April 2023 Honorarium 30.100.000 30.100.000
Mei 2023 Honorarium 30.100.000 30.100.000
Juni 2023 Honorarium 30.100.000 30.100.000
Juli 2023 Honorarium 35.000.000 35.000.000
Agustus 2023 Honorarium 35.000.000 35.000.000
September 23 Honorarium 35.000.000 35.000.000
Oktober 2023 Honorarium 35.000.000 35.000.000
November 2023 Honorarium 35.000.000 35.000.000
Desember 2023 Honorarium 35.000.000 35.000.000
Total 420.700.000 420.700.000
*) Anggota Komite Pemantau Risiko Independen-Non Komisaris
*) Independent Risk Monitoring Committee Metmber-Non-Commissioner
Rapat Komite Pemantau Risiko Meeting of Risk Monitoring Committee
Rapat Komite Pemantau Risiko dilakukan sekurang- Risk Monitoring Committee meetings are held at
kurangnya 1 (satu) kali dalam sebulan sesuai yang least 1 (one) time a month as regulated in the Risk
diatur dalam Piagam Komite Pemantau Risiko. Monitoring Committee Charter. During 2023, the Risk
Selama tahun 2023, Komite Pemantau Risiko telah Monitoring Committee held 51 meetings, including
melaksanakan rapat sebanyak 51 kali rapat, meliputi 13 meetings with the Board of Commissioners, 15
13 kali rapat dengan Dewan Komisaris, 15 kali rapat coordination meetings attended by the Board of
koordinasi yang dihadiri oleh Dewan Komisaris, Commissioners, Committees and Board of Directors,
Komite dan Direksi, serta 23 kali rapat koordinasi as well as 23 Committee coordination meetings with
Komite dengan mengundang Direktorat Manajemen
474 Laporan Tahunan 2023 | PT Pegadaian
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Risiko, Legal dan Kepatuhan, Direktorat Keuangan dan the Directorate of Risk Management, Legal, and
Perencanaan Strategis, Satuan Pengawasan Intern, Compliance, Directorate of Finance and Strategic
serta Divisi terkait. Planning, Internal Control Unit, and related Divisions.
Rapat Komite Pemantau Risiko, Komite Audit dan Meetings of the Risk Monitoring Committee, Audit
Komite Nominasi dan Remunerasi dengan Dewan Committee and Nomination and Remuneration
Komisaris dapat diikuti dalam bab rapat internal Committee with the Board of Commissioners can be
Dewan Komisaris. Rapat Komite Pemantau Risiko, followed in the internal meetings chapter of the Board
Komite Audit, dan Komite Nominasi dan Remunerasi of Commissioners. Meetings of the Risk Monitoring
dengan Direktorat Manajemen Risiko, Legal dan Committee, Audit Committee, and Nomination and
Kepatuhan, Direktorat Keuangan dan Perencanaan Remuneration Committee with the Directorate of
Strategis, dan Satuan Pengawasan Intern (SPI) serta Risk Management, Legal and Compliance, Directorate
Divisi terkait sebagaimana tabel rapat Komite Audit of Finance and Strategic Planning, and the Internal
dengan Divisi terkait di atas. Audit Unit (SPI) as well as related Divisions as in the
table of meetings of the Audit Committee with related
Divisions above.
Tabel Rapat Koordinasi yang Dihadiri oleh Dewan Komisaris
Table of Coordination Meetings Attended by the Board of Commissioners
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participants
1. 11 Januari 2023 Pembahasan Update Usulan Rencana • Dewan Komisaris
January 11, 2023 Kerja dan Anggaran Perusahaan • Direktur Keuangan dan Manajemen Risiko
(RKAP) Tahun 2023 (Final) dan • Komite Audit
Perkembangan Penyusunan Rencana • Komite Pemantau Risiko
Jangka Panjang Perusahaan (RJPP) • Komite Nominasi dan Remunerasi
PT Pegadaian • Board of Commissioners
Discussion of Update on Proposed • Director of Finance and Risk Management
Company Work Plan and Budget • Audit Committee
(RKAP) for 2023 (Final) and Progress • Risk Monitoring Committee
in Preparing PT Pegadaian's Long • Nomination and Remuneration Committee
Term Company Plan (RJPP)
2. 13 Januari 2023 Perkenalan Dewan Komisaris PT • Dewan Komisaris
January 13, 2023 Pegadaian dengan: • Direktur Human Capital, Legal, dan Compliance
• Calon Anggota Direksi PT • Komite Nominasi dan Remunerasi
Pegadaian Galeri Dua Empat, dan • Komite Audit
• Calon Anggota Direksi PT Pesonna • Komite Pemantau Risiko
Indonesia Jaya • Sdri. Endah Susiani sebagai Calon Direktur PT
Introduction of the Board of Pegadaian Galeri Dua Empat
Commissioners of PT Pegadaian with: • Sdr. Muhammad Nurkasan sebagai Calon
• Candidate Member of the Board of Direktur PT Pesonna Indonesia Jaya
Directors of PT Pegadaian Galeri • Board of Commissioners
Dua Empat, and • Director of Human Capital, Legal and
• Candidate for Member of the Compliance
Board of Directors of PT Pesonna • Nomination and Remuneration Committee
Indonesia Jaya • Audit Committee
• Risk Monitoring Committee
• Endah Susiani as Candidate for Director of PT
Pegadaian Galeri Dua Empat
• Muhammad Nurkasan as Candidate for Director
of PT Pesonna Indonesia Jaya
3. 02 Februari 2023 Pembahasan Update Kegiatan • Dewan Komisaris
February 2, 2023 Standarisasi Outlet, Pembangunan • Direksi
Pegadaian Tower dan Implementasi • Komite Audit
P3DN termasuk Tindak Lanjut Hasil • Komite Pemantau Risiko
Review BPKP • Komite Nominasi dan Remunerasi
Discussion of Update on Outlet • Board of Commissioners
Standardization Activities, Pegadaian • Board of Directors
Tower Construction and P3DN • Audit Committee
Implementation including Follow-up • Risk Monitoring Committee
to BPKP Review Result • Nomination and Remuneration Committee
PT Pegadaian | 2023 Annual Report 475
Page 476
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Dihadiri oleh Dewan Komisaris
Table of Coordination Meetings Attended by the Board of Commissioners
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participants
4. 06 Juni 2023 Pembahasan Pengembangan Karier • Dewan Komisaris
June 6, 2023 (Carrier Path) Karyawan PT Pegadaian • Direktur Human Capital, Legal dan Compliance
Discussion of Career Development • Komite Nominasi dan Remunerasi
(Career Path) for PT Pegadaian • Komite Audit
Employees • Komite Pemantau Risiko
• Board of Commissioners
• Director of Human Capital, Legal and
Compliance
• Nomination and Remuneration Committee
• Audit Committee
• Risk Monitoring Committee
5. 13 Juni 2023 Pembahasan Kesiapan Keamanan • Dewan Komisaris
June 11, 2023 Sistem IT PT Pegadaian dan Progres • Direktur Teknologi Informasi dan Digital
Aplikasi Neo4G • Komite Audit
Discussion of PT Pegadaian's IT • Komite Pemantau Risiko
System Security Readiness and • Komite Nominasi dan Remunerasi
Neo4G Application Progress • Board of Commissioners
• Director of Information Technology and Digital
• Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
6. 02 Agustus 2023 Pembahasan Permohonan • Dewan Komisaris
August 2, 2023 Penandatanganan Dokumen • Direktur Keuangan dan Perencanaan Strategis
Sehubungan dengan Proses • Komite Audit
Penerbitan Obligasi dan Sukuk PT • Komite Pemantau Risiko
Pegadaian • Komite Nominasi dan Remunerasi
Discussion of Document Signing • Board of Commissioners
Request in Connection with the • Director of Finance and Strategic Planning
Issuance Process of PT Pegadaian • Audit Committee
Bonds and Sukuk • Risk Monitoring Committee
• Nomination and Remuneration Committee
7. 14 Agustus 2023 Pembahasan Pedoman Penerapan • Dewan Komisaris
August 14, 2023 Program Anti Pencucian Uang, • Direktur Manajemen Risiko, Legal dan
Pencegahan Pendanaan Terorisme, Kepatuhan
dan Pencegahan Pendanaan • Komite Pemantau Risiko
Proliferasi Senjata Pemusnah Massal • Komite Audit
(APU, PPT dan PPPSPM) • Komite Nominasi dan Remunerasi
Discussion of Guidelines for • Board of Commissioners
Implementation of Anti-Money • Director of Risk Management, Legal and
Laundering Program, Prevention of Compliance
Terrorism Financing, and Prevention • Risk Monitoring Committee
of Funding for the Proliferation of • Audit Committee
Weapons of Mass Destruction (APU, • Nomination and Remuneration Committee
PPT and PPPSPM)
8. 07 September 2023 Pembahasan Progres Belanja Modal • Dewan Komisaris
September 7, 2023 Tahun 2023 dan Rencana Belanja • Direktur Umum
Modal Tahun 2024 • Direktur Teknologi Informasi dan Digital
Discussion of 2023 Capital • Direktur Jaringan, Operasi dan Penjualan
Expenditure Progress and 2024 • Komite Audit
Capital Expenditure Plan • Komite Pemantau Risiko
• Komite Nominasi dan Remunerasi
• Board of Commissioners
• Director of General Affairs
• Director of Information and Digital Technology
• Director of Network, Operations and Sales
• Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
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Tabel Rapat Koordinasi yang Dihadiri oleh Dewan Komisaris
Table of Coordination Meetings Attended by the Board of Commissioners
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participants
9. 26 Oktober 2023 Perkenalan Dewan Komisaris PT • Dewan Komisaris
October 26, 2023 Pegadaian dengan: • Direktur Human Capital
• Calon Anggota Dewan Komisaris • Komite Nominasi dan Remunerasi
(Komisaris Independen) PT • Komite Pemantau Risiko
Pesonna Indonesia Jaya • Sdr. Agus Suharyono sebagai Calon Anggota
• Calon Anggota Direksi (Direktur) Dewan Komisaris (Komisaris Independen) PT
PT Pesonna Indonesia Jaya Pesonna Indonesia Jaya
• Calon Staf Komite Pemantau • Sdr. Muharam Yudyarto sebagai Calon Anggota
Risiko PT Pegadaian Direksi (Direktur) PT Pesonna Indonesia Jaya
• Dan hal-hal strategis lainnya. • Board of Commissioners
Introduction of the Board of • Director of Human Capital
Commissioners of PT Pegadaian with: • Nomination and Remuneration Committee
• Candidate Member of the Board • Risk Monitoring Committee
of Commissioners (Independent • Agus Suharyono as Candidate for Member of
Commissioner) of PT Pesonna the Board of Commissioners (Independent
Indonesia Jaya Commissioner) of PT Pesonna Indonesia Jaya
• Candidate Member of the Board of • Muharam Yudyarto as Candidate for Member of
Directors (Director) of PT Pesonna the Board of Directors (Director) of PT Pesonna
Indonesia Jaya Indonesia Jaya
• Candidate Staff for PT Pegadaian
Risk Monitoring Committee
• And other strategic things.
10. 07 November 2023 Pembahasan Pedoman Penanganan • Dewan Komisaris
November 7, 2023 Benturan Kepentingan PT Pegadaian • Direktur Manajemen Risiko, Legal dan
Discussion of PT Pegadaian's Kepatuhan
Guidelines for Handling Conflicts of • Komite Pemantau Risiko
Interest • Komite Audit
• Komite Nominasi dan Remunerasi
• Board of Commissioners
• Director of Risk Management, Legal and
Compliance
• Risk Monitoring Committee
• Audit Committee
• Nomination and Remuneration Committee
11. 09 November 2023 Pembahasan Badan Hukum Terafiliasi • Dewan Komisaris
November 9, 2023 PT Pegadaian (Dana Pensiun • Direksi
Pegadaian dan Yayasan Kesejahteraan • Pengurus dan Pengawas Dana Pensiun
Pegadaian Permata) serta Rencana Pegadaian dan Yayasan Kesejahteraan
Strategis Pengembangan PT Pesonna Pegadaian Permata
Indonesia Jaya (PIJ) • Komite Audit
Discussion of PT Pegadaian Affiliated • Komite Pemantau Risiko
Legal Entities (Pegadaian Pension • Komite Nominasi dan Remunerasi
Fund and Pegadaian Permata Welfare • Board of Commissioners
Foundation) as well as PT Pesonna • Board of Directors
Indonesia Jaya (PIJ) Strategic • Management and Supervisor of the Pegadaian
Development Plan Pension Fund and the Pegadaian Permata
Welfare Foundation
• Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
PT Pegadaian | 2023 Annual Report 477
Page 478
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Dihadiri oleh Dewan Komisaris
Table of Coordination Meetings Attended by the Board of Commissioners
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participants
12. 21 November 2023 Perkenalan Dewan Komisaris dengan • Dewan Komisaris
November 21, 2023 Calon Sekretaris Perusahaan PT • Sdr. Zulfan Adam sebagai Calon Sekretaris
Pegadaian Perusahaan PT Pegadaian
Introduction of the Board of • Komite Audit
Commissioners with the Candidate for • Komite Pemantau Risiko
PT Pegadaian Corporate Secretary • Komite Nominasi dan Remunerasi
• Board of Commissioners
• Zulfan Adam as Candidate for Corporate
Secretary of PT Pegadaian
• Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
13. 21 November 2023 Pembahasan Lanjutan terkait Draft • Dewan Komisaris
November 21, 2023 Pedoman Penanganan Benturan • Direktur Manajemen Risiko, Legal dan
Kepentingan PT Pegadaian Kepatuhan
Continued discussion regarding the • Komite Pemantau Risiko
Draft Guidelines for Handling Conflicts • Komite Audit
of Interest of PT Pegadaian • Komite Nominasi dan Remunerasi
• Board of Commissioners
• Director of Risk Management, Legal and
Compliance
• Risk Monitoring Committee
• Audit Committee
• Nomination and Remuneration Committee
14. 22 November 2023 Pembahasan Kinerja Transformation • Dewan Komisaris
November 22, 2023 Office, Mekanisme Proses Produk • Direktur Manajemen Risiko, Legal dan
Baru serta Evaluasinya, dan Kepatuhan
Penerapan Budaya Kerja • SEVP Transformation Office
Discussion of Transformation Office • Kepala Satuan Pengawasan Intern
Performance, New Product Process • Komite Pemantau Risiko
Mechanism and Evaluation, and • Komite Audit
Implementation of Work Culture • Komite Nominasi dan Remunerasi
• Board of Commissioners
• Director of Risk Management, Legal and
Compliance
• SEVP Transformation Office
• Head of Internal Audit Unit
• Risk Monitoring Committee
• Audit Committee
• Nomination and Remuneration Committee
15. 13 Desember 2023 Pembahasan Update Progress Project • Dewan Komisaris
December 13, 2023 Interconnected Human Capital • Direktur Human Capital
Management (IHCM) • Komite Pemantau Risiko
Discussion of Interconnected Human • Komite Audit
Capital Management (IHCM) Project • Komite Nominasi dan Remunerasi
Progress Update • Board of Commissioners
• Director of Human Capital
• Risk Monitoring Committee
• Audit Committee
• Nomination and Remuneration Committee
478 Laporan Tahunan 2023 | PT Pegadaian
Page 479
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
1. 13 Januari 2023 Pembahasan Program Kerja • Kepala Satuan Pengawasan Intern
January 13, 2023 Pemeriksaan Tahunan SPI PT • Komite Audit
Pegadaian Tahun 2023 • Komite Pemantau Risiko
Discussion of PT Pegadaian's • Komite Nominasi dan Remunerasi
2023 SPI Annual Inspection Work • Head of Internal Audit Unit
Program • Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
2. 18 Januari 2023 • Pembahasan Kinerja • SEVP Manajemen Risiko
January 18, 2023 Perusahaan s.d. bulan • SEVP Satuan Pengawasan Intern
Desember 2022; • SEVP Transformation Office
• Pembahasan Profil Risiko bulan • Kepala Divisi Manajemen Kinerja Perusahaan
Desember 2022; • Kepala Divisi Akuntansi
• Pembahasan Hasil Audit SPI • Kepala Divisi Perencanaan Strategis
s.d. bulan Desember 2022; • Kepala Divisi Tresuri
• Pembahasan Kinerja Sumber • Kepala Divisi Manajemen Risiko, Operasi dan
Daya Manusia s.d. bulan Korporasi
Desember 2022. • Kepala Divisi Risiko Kredit & Asuransi
• Discussion of Company • Kepala Divisi Strategi Human Capital
Performance as of December • Kepala Divisi Budaya Kerja
2022; • Kepala Divisi Operasional Human Capital
• Discussion of Risk Profile for • Kepala Divisi Pegadaian Corporate University
December 2022; • Kepala Divisi Kepatuhan
• Discussion of SPI Audit Result • Kepala Divisi Penjualan
as of December 2022; • Kepala Divisi Hubungan Kelembagaan
• Discussion of Human • Kepala Divisi Produk Gadai
Resources Performance as of • Kepala Divisi Unit Usaha Syariah
December 2022. • Kepala Divisi Pemasaran
• Kepala Divisi Produk Mikro Fidusia
• Kepala Divisi Produk Emas
• Kepala Divisi Jaringan dan Operasional
• Kepala Divisi Manajemen Aset Tetap
• Komite Audit
• Komite Pemantau Risiko
• Komite Nominasi dan Remunerasi
• SEVP Risk Management
• SEVP Internal Audit Unit
• SEVP Transformation Office
• Head of Company Performance Management
Division
• Head of Accounting Division
• Head of Strategic Planning Division
• Head of Treasury Division
• Head of Risk Management, Operations and
Corporate Division
• Head of Credit Risk & Insurance Division
• Head of Human Capital Strategy Division
• Head of Work Culture Division
• Head of Human Capital Operations Division
• Head of Pegadaian Corporate University
Division
• Head of Compliance Division
• Head of Sales Division
• Head of Institutional Relations Division
• Head of Pawn Products Division
• Head of Sharia Business Unit Division
• Head of Marketing Division
• Head of Micro Fiduciary Products Division
• Head of Gold Products Division
• Head of Network and Operations Division
• Head of Fixed Asset Management Division
• Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
PT Pegadaian | 2023 Annual Report 479
Page 480
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
3. 20 Februari 2023 • Pembahasan Kinerja • SEVP Manajemen Risiko
February 20, 2023 Perusahaan s.d. bulan Januari • SEVP Satuan Pengawasan Intern
2023; • SEVP Transformation Office
• Pembahasan Profil Risiko bulan • Kepala Divisi Manajemen Kinerja Perusahaan
Januari 2023; • Kepala Divisi Akuntansi
• Pembahasan Hasil Audit SPI • Kepala Divisi Perencanaan Strategis
s.d. bulan Januari 2023; • Kepala Divisi Tresuri
• Pembahasan Kinerja Sumber • Kepala Divisi Manajemen Risiko, Operasi dan
Daya Manusia s.d. bulan Korporasi
Januari 2023. • Kepala Divisi Risiko Kredit & Asuransi
• Discussion of Company • Kepala Divisi Strategi Human Capital
Performance as of January • Kepala Divisi Budaya Kerja
2023; • Kepala Divisi Operasional Human Capital
• Discussion of Risk Profile for • Kepala Divisi Pegadaian Corporate University
January 2023; • Kepala Divisi Kepatuhan
• Discussion of SPI Audit Result • Kepala Divisi Penjualan
as of January 2023; • Kepala Divisi Hubungan Kelembagaan
• Discussion of Human • Kepala Divisi Produk Gadai
Resources Performance as of • Kepala Divisi Unit Usaha Syariah
January 2023 • Kepala Divisi Pemasaran
• Kepala Divisi Produk Mikro Fidusia
• Kepala Divisi Produk Emas
• Kepala Divisi Jaringan dan Operasional
• Kepala Divisi Manajemen Aset Tetap
• Komite Audit
• Komite Pemantau Risiko
• Komite Nominasi dan Remunerasi
• SEVP Risk Management
• SEVP Internal Audit Unit
• SEVP Transformation Office
• Head of Company Performance Management
Division
• Head of Accounting Division
• Head of Strategic Planning Division
• Head of Treasury Division
• Head of Risk Management, Operations and
Corporate Division
• Head of Credit Risk & Insurance Division
• Head of Human Capital Strategy Division
• Head of Work Culture Division
• Head of Human Capital Operations Division
• Head of Pegadaian Corporate University
Division
• Head of Compliance Division
• Head of Sales Division
• Head of Institutional Relations Division
• Head of Pawn Products Division
• Head of Sharia Business Unit Division
• Head of Marketing Division
• Head of Micro Fiduciary Products Division
• Head of Gold Products Division
• Head of Network and Operations Division
• Head of Fixed Asset Management Division
• Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
4. 27 Februari 2023 Pembahasan Rencana Divestasi PT • Direktur Keuangan & Manajemen Risiko
February 27, 2023 POJ dan PT PIJ • Komite Pemantau Risiko
Discussion of PT POJ and PT PIJ • Director of Finance & Risk Management
Divestment Plan • Risk Monitoring Committee
480 Laporan Tahunan 2023 | PT Pegadaian
Page 481
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
5. 21 Maret 2023 • Pembahasan Kinerja • SEVP Manajemen Risiko
March 21, 2023 Perusahaan s.d. bulan Februari • SEVP Satuan Pengawasan Intern
2023; • SEVP Transformation Office
• Pembahasan Profil Risiko bulan • Kepala Divisi Manajemen Kinerja Perusahaan
Februari 2023; • Kepala Divisi Akuntansi
• Pembahasan Hasil Audit SPI • Kepala Divisi Perencanaan Strategis
s.d. bulan Februari 2023; • Kepala Divisi Tresuri
• Pembahasan Kinerja Sumber • Kepala Divisi Manajemen Risiko, Operasi dan
Daya Manusia s.d. bulan Korporasi
Februari 2023. • Kepala Divisi Risiko Kredit & Asuransi
• Discussion of Company • Kepala Divisi Strategi Human Capital
Performance as of February • Kepala Divisi Budaya Kerja
2023; • Kepala Divisi Operasional Human Capital
• Discussion of Risk Profile for • Kepala Divisi Pegadaian Corporate University
February 2023; • Kepala Divisi Kepatuhan
• Discussion of SPI Audit Results • Kepala Divisi Penjualan
as of February 2023; • Kepala Divisi Hubungan Kelembagaan
• Discussion of Human • Kepala Divisi Produk Gadai
Resources Performance as of • Kepala Divisi Unit Usaha Syariah
February 2023. • Kepala Divisi Pemasaran
• Kepala Divisi Produk Mikro Fidusia
• Kepala Divisi Produk Emas
• Kepala Divisi Jaringan dan Operasional
• Kepala Divisi Manajemen Aset Tetap
• Komite Audit
• Komite Pemantau Risiko
• Komite Nominasi dan Remunerasi
• SEVP Risk Management
• SEVP Internal Audit Unit
• SEVP Transformation Office
• Head of Company Performance Management
Division
• Head of Accounting Division
• Head of Strategic Planning Division
• Head of Treasury Division
• Head of Risk Management, Operations and
Corporate Division
• Head of Credit Risk & Insurance Division
• Head of Human Capital Strategy Division
• Head of Work Culture Division
• Head of Human Capital Operations Division
• Head of Pegadaian Corporate University
Division
• Head of Compliance Division
• Head of Sales Division
• Head of Institutional Relations Division
• Head of Pawn Products Division
• Head of Sharia Business Unit Division
• Head of Marketing Division
• Head of Micro Fiduciary Products Division
• Head of Gold Products Division
• Head of Network and Operations Division
• Head of Fixed Asset Management Division
• Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
PT Pegadaian | 2023 Annual Report 481
Page 482
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
6. 17 April 2023 • Pembahasan Kinerja • SEVP Manajemen Risiko
April 17, 2023 Perusahaan s.d. bulan Maret • SEVP Satuan Pengawasan Intern
2023; • SEVP Transformation Office
• Pembahasan Profil Risiko bulan • Kepala Divisi Manajemen Kinerja Perusahaan
Maret 2023; • Kepala Divisi Akuntansi
• Pembahasan Hasil Audit SPI • Kepala Divisi Perencanaan Strategis
s.d. bulan Maret 2023; • Kepala Divisi Tresuri
• Pembahasan Kinerja Sumber • Kepala Divisi Manajemen Risiko, Operasi dan
Daya Manusia s.d. bulan Maret Korporasi
2023. • Kepala Divisi Risiko Kredit & Asuransi
• Discussion of Company • Kepala Divisi Strategi Human Capital
Performance as of March 2023; • Kepala Divisi Budaya Kerja
• Discussion of Risk Profile for • Kepala Divisi Operasional Human Capital
March 2023; • Kepala Divisi Pegadaian Corporate University
• Discussion of SPI Audit Results • Kepala Divisi Kepatuhan
as of March 2023; • Kepala Divisi Penjualan
• Discussion of Human • Kepala Divisi Hubungan Kelembagaan
Resources Performance as of • Kepala Divisi Produk Gadai
March 2023. • Kepala Divisi Unit Usaha Syariah
• Kepala Divisi Pemasaran
• Kepala Divisi Produk Mikro Fidusia
• Kepala Divisi Produk Emas
• Kepala Divisi Jaringan dan Operasional
• Kepala Divisi Manajemen Aset Tetap
• Komite Audit
• Komite Pemantau Risiko
• Komite Nominasi dan Remunerasi
• SEVP Risk Management
• SEVP Internal Audit Unit
• SEVP Transformation Office
• Head of Company Performance Management
Division
• Head of Accounting Division
• Head of Strategic Planning Division
• Head of Treasury Division
• Head of Risk Management, Operations and
Corporate Division
• Head of Credit Risk & Insurance Division
• Head of Human Capital Strategy Division
• Head of Work Culture Division
• Head of Human Capital Operations Division
• Head of Pegadaian Corporate University
Division
• Head of Compliance Division
• Head of Sales Division
• Head of Institutional Relations Division
• Head of Pawn Products Division
• Head of Sharia Business Unit Division
• Head of Marketing Division
• Head of Micro Fiduciary Products Division
• Head of Gold Products Division
• Head of Network and Operations Division
• Head of Fixed Asset Management Division
• Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
482 Laporan Tahunan 2023 | PT Pegadaian
Page 483
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
7. 17 Mei 2023 • Pembahasan Kinerja • SEVP Manajemen Risiko
May 17, 2023 Perusahaan s.d. bulan April • SEVP Satuan Pengawasan Intern
2023; • SEVP Transformation Office
• Pembahasan Profil Risiko bulan • Kepala Divisi Manajemen Kinerja Perusahaan
April 2023; • Kepala Divisi Akuntansi
• Pembahasan Hasil Audit SPI • Kepala Divisi Perencanaan Strategis
s.d. bulan April 2023; • Kepala Divisi Tresuri
• Pembahasan Kinerja Sumber • Kepala Divisi Manajemen Risiko, Operasi dan
Daya Manusia s.d. bulan April Korporasi
2023. • Kepala Divisi Risiko Kredit & Asuransi
• Discussion of Company • Kepala Divisi Strategi Human Capital
Performance as of April 2023; • Kepala Divisi Budaya Kerja
• Discussion of Risk Profile for • Kepala Divisi Operasional Human Capital
April 2023; • Kepala Divisi Pegadaian Corporate University
• Discussion of SPI Audit Result • Kepala Divisi Kepatuhan
as of April 2023; • Kepala Divisi Penjualan
• Discussion of Human • Kepala Divisi Hubungan Kelembagaan
Resources Performance as of • Kepala Divisi Produk Gadai
April 2023 • Kepala Divisi Unit Usaha Syariah
• Kepala Divisi Pemasaran
• Kepala Divisi Produk Mikro Fidusia
• Kepala Divisi Produk Emas
• Kepala Divisi Jaringan dan Operasional
• Kepala Divisi Manajemen Aset Tetap
• Komite Audit
• Komite Pemantau Risiko
• Komite Nominasi dan Remunerasi
• SEVP Risk Management
• SEVP Internal Audit Unit
• SEVP Transformation Office
• Head of Company Performance Management
Division
• Head of Accounting Division
• Head of Strategic Planning Division
• Head of Treasury Division
• Head of Risk Management, Operations and
Corporate Division
• Head of Credit Risk & Insurance Division
• Head of Human Capital Strategy Division
• Head of Work Culture Division
• Head of Human Capital Operations Division
• Head of Pegadaian Corporate University
Division
• Head of Compliance Division
• Head of Sales Division
• Head of Institutional Relations Division
• Head of Pawn Products Division
• Head of Sharia Business Unit Division
• Head of Marketing Division
• Head of Micro Fiduciary Products Division
• Head of Gold Products Division
• Head of Network and Operations Division
• Head of Fixed Asset Management Division
• Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
PT Pegadaian | 2023 Annual Report 483
Page 484
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
8. 20 Juni 2023 • Pembahasan Kinerja • SEVP Manajemen Risiko
June 20, 2023 Perusahaan s.d. bulan Mei • SEVP Satuan Pengawasan Intern
2023; • SEVP Transformation Office
• Pembahasan Profil Risiko bulan • Kepala Divisi Manajemen Kinerja Perusahaan
Mei 2023; • Kepala Divisi Akuntansi
• Pembahasan Hasil Audit SPI • Kepala Divisi Perencanaan Strategis
s.d. bulan Mei 2023; • Kepala Divisi Tresuri
• Pembahasan Kinerja Sumber • Kepala Divisi Manajemen Risiko, Operasi dan
Daya Manusia s.d. bulan Mei Korporasi
2023. • Kepala Divisi Risiko Kredit & Asuransi
• Discussion of Company • Kepala Divisi Strategi Human Capital
Performance as of May 2023; • Kepala Divisi Budaya Kerja
• Discussion of Risk Profile for • Kepala Divisi Operasional Human Capital
May 2023; • Kepala Divisi Pegadaian Corporate University
• Discussion of SPI Audit Result • Kepala Divisi Kepatuhan
as of May 2023; • Kepala Divisi Penjualan
• Discussion of Human • Kepala Divisi Hubungan Kelembagaan
Resources Performance as of • Kepala Divisi Produk Gadai
May 2023. • Kepala Divisi Unit Usaha Syariah
• Kepala Divisi Pemasaran
• Kepala Divisi Produk Mikro Fidusia
• Kepala Divisi Produk Emas
• Kepala Divisi Jaringan dan Operasional
• Kepala Divisi Manajemen Aset Tetap
• Komite Audit
• Komite Pemantau Risiko
• Komite Nominasi dan Remunerasi
• SEVP Risk Management
• SEVP Internal Audit Unit
• SEVP Transformation Office
• Head of Company Performance Management
Division
• Head of Accounting Division
• Head of Strategic Planning Division
• Head of Treasury Division
• Head of Risk Management, Operations and
Corporate Division
• Head of Credit Risk & Insurance Division
• Head of Human Capital Strategy Division
• Head of Work Culture Division
• Head of Human Capital Operations Division
• Head of Pegadaian Corporate University
Division
• Head of Compliance Division
• Head of Sales Division
• Head of Institutional Relations Division
• Head of Pawn Products Division
• Head of Sharia Business Unit Division
• Head of Marketing Division
• Head of Micro Fiduciary Products Division
• Head of Gold Products Division
• Head of Network and Operations Division
• Head of Fixed Asset Management Division
• Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
9. 17 Juli 2023 • Pembahasan Hal-hal Strategis • Direktur Human Capital
July 17, 2023 a. Tenaga Outsourcing; • Direktur Manajemen Risiko, Legal dan
b. Kaji Ulang Proses Kepatuhan
Operasional di Cabang/ • Kepala Satuan Pengawasan Intern
UPC, Kecukupan Manajemen • Komite Audit
Risiko, dan Strategi Anti • Komite Pemantau Risiko
Fraud; • Komite Nominasi dan Remunerasi
• Hal-hal Strategis Lainnya. • Director of Human Capital
• Discussion of Strategic Matters • Director of Risk Management, Legal and
a. Outsourced Staff; Compliance
b. Review of Operational • Head of Internal Audit Unit
Processes in Branches/ • Audit Committee
UPCs, Adequacy of Risk • Risk Monitoring Committee
Management, and Anti- • Nomination and Remuneration Committee
Fraud Strategy;
• Other Strategic Matters.
484 Laporan Tahunan 2023 | PT Pegadaian
Page 485
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
10. 18 Juli 2023 • Pembahasan Kinerja • SEVP Manajemen Risiko
July 18, 2023 Perusahaan s.d. bulan Juni • SEVP Satuan Pengawasan Intern
2023; • SEVP Transformation Office
• Pembahasan Profil Risiko bulan • Kepala Divisi Manajemen Kinerja Perusahaan
Juni 2023; • Kepala Divisi Akuntansi
• Pembahasan Hasil Audit SPI • Kepala Divisi Perencanaan Strategis
s.d. bulan Juni 2023; • Kepala Divisi Tresuri
• Pembahasan Kinerja Sumber • Kepala Divisi Manajemen Risiko, Operasi dan
Daya Manusia s.d. bulan Juni Korporasi
2023. • Kepala Divisi Risiko Kredit & Asuransi
• Discussion of Company • Kepala Divisi Strategi Human Capital
Performance as of June 2023; • Kepala Divisi Budaya Kerja
• Discussion of Risk Profile for • Kepala Divisi Operasional Human Capital
June 2023; • Kepala Divisi Pegadaian Corporate University
• Discussion of SPI Audit Result • Kepala Divisi Kepatuhan
as of June 2023; • Kepala Divisi Penjualan
• Discussion of Human • Kepala Divisi Hubungan Kelembagaan
Resources Performance as of • Kepala Divisi Produk Gadai
June 2023. • Kepala Divisi Unit Usaha Syariah
• Kepala Divisi Pemasaran
• Kepala Divisi Produk Mikro Fidusia
• Kepala Divisi Produk Emas
• Kepala Divisi Jaringan dan Operasional
• Kepala Divisi Manajemen Aset Tetap
• Komite Audit
• Komite Pemantau Risiko
• Komite Nominasi dan Remunerasi
• SEVP Risk Management
• SEVP Internal Audit Unit
• SEVP Transformation Office
• Head of Company Performance Management
Division
• Head of Accounting Division
• Head of Strategic Planning Division
• Head of Treasury Division
• Head of Risk Management, Operations and
Corporate Division
• Head of Credit Risk & Insurance Division
• Head of Human Capital Strategy Division
• Head of Work Culture Division
• Head of Human Capital Operations Division
• Head of Pegadaian Corporate University
Division
• Head of Compliance Division
• Head of Sales Division
• Head of Institutional Relations Division
• Head of Pawn Products Division
• Head of Sharia Business Unit Division
• Head of Marketing Division
• Head of Micro Fiduciary Products Division
• Head of Gold Products Division
• Head of Network and Operations Division
• Head of Fixed Asset Management Division
• Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
PT Pegadaian | 2023 Annual Report 485
Page 486
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
11. 18 Agustus 2023 • Pembahasan Kinerja • SEVP Satuan Pengawasan Intern
August 18, 2023 Perusahaan s.d. bulan Juli • SEVP Transformation Office
2023; • Kepala Divisi Manajemen Kinerja Perusahaan
• Pembahasan Profil Risiko bulan • Kepala Divisi Akuntansi
Juli 2023; • Kepala Divisi Perencanaan Strategis
• Pembahasan Hasil Audit SPI • Kepala Divisi Tresuri
s.d. bulan Juli 2023; • Kepala Divisi Manajemen Risiko, Operasi dan
• Pembahasan Kinerja Sumber Korporasi
Daya Manusia s.d. bulan Juli • Kepala Divisi Risiko Kredit & Asuransi
2023. • Kepala Divisi Strategi Human Capital
• Discussion of Company • Kepala Divisi Budaya Kerja
Performance as of July 2023; • Kepala Divisi Operasional Human Capital
• Discussion of Risk Profile for • Kepala Divisi Pegadaian Corporate University
July 2023; • Kepala Divisi Kepatuhan
• Discussion of SPI Audit Results • Kepala Divisi Penjualan
as of July 2023; • Kepala Divisi Hubungan Kelembagaan
• Discussion of Human • Kepala Divisi Produk Gadai
Resources Performance as of • Kepala Divisi Unit Usaha Syariah
July 2023. • Kepala Divisi Pemasaran
• Kepala Divisi Produk Mikro Fidusia
• Kepala Divisi Produk Emas
• Kepala Divisi Jaringan dan Operasional
• Kepala Divisi Manajemen Aset Tetap
• Komite Audit
• Komite Pemantau Risiko
• Komite Nominasi dan Remunerasi
• SEVP Internal Audit Unit
• SEVP Transformation Office
• Head of Company Performance Management
Division
• Head of Accounting Division
• Head of Strategic Planning Division
• Head of Treasury Division
• Head of Risk Management, Operations and
Corporate Division
• Head of Credit Risk & Insurance Division
• Head of Human Capital Strategy Division
• Head of Work Culture Division
• Head of Human Capital Operations Division
• Head of Pegadaian Corporate University
Division
• Head of Compliance Division
• Head of Sales Division
• Head of Institutional Relations Division
• Head of Pawn Products Division
• Head of Sharia Business Unit Division
• Head of Marketing Division
• Head of Micro Fiduciary Products Division
• Head of Gold Products Division
• Head of Network and Operations Division
• Head of Fixed Asset Management Division
• Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
486 Laporan Tahunan 2023 | PT Pegadaian
Page 487
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
12. 15 September 2023 • Pembahasan Kinerja • SEVP Satuan Pengawasan Intern
September 15, 2023 Perusahaan s.d. bulan Agustus • SEVP Transformation Office
2023; • Kepala Divisi Manajemen Kinerja Perusahaan
• Pembahasan Profil Risiko bulan • Kepala Divisi Akuntansi
Agustus 2023; • Kepala Divisi Perencanaan Strategis
• Pembahasan Hasil Audit SPI • Kepala Divisi Tresuri
s.d. bulan Agustus 2023; • Kepala Divisi Manajemen Risiko, Operasi dan
• Pembahasan Kinerja Sumber Korporasi
Daya Manusia s.d. bulan • Kepala Divisi Risiko Kredit & Asuransi
Agustus 2023. • Kepala Divisi Strategi Human Capital
• Discussion of Company • Kepala Divisi Budaya Kerja
Performance as of August • Kepala Divisi Operasional Human Capital
2023; • Kepala Divisi Pegadaian Corporate University
• Discussion of Risk Profile for • Kepala Divisi Kepatuhan
August 2023; • Kepala Divisi Penjualan
• Discussion of SPI Audit Results • Kepala Divisi Hubungan Kelembagaan
as of August 2023; • Kepala Divisi Produk Gadai
• Discussion of Human • Kepala Divisi Unit Usaha Syariah
Resources Performance as of • Kepala Divisi Pemasaran
August 2023. • Kepala Divisi Produk Mikro Fidusia
• Kepala Divisi Produk Emas
• Kepala Divisi Jaringan dan Operasional
• Kepala Divisi Manajemen Aset Tetap
• Komite Audit
• Komite Pemantau Risiko
• Komite Nominasi dan Remunerasi
• SEVP Internal Audit Unit
• SEVP Transformation Office
• Head of Company Performance Management
Division
• Head of Accounting Division
• Head of Strategic Planning Division
• Head of Treasury Division
• Head of Risk Management, Operations and
Corporate Division
• Head of Credit Risk & Insurance Division
• Head of Human Capital Strategy Division
• Head of Work Culture Division
• Head of Human Capital Operations Division
• Head of Pegadaian Corporate University
Division
• Head of Compliance Division
• Head of Sales Division
• Head of Institutional Relations Division
• Head of Pawn Products Division
• Head of Sharia Business Unit Division
• Head of Marketing Division
• Head of Micro Fiduciary Products Division
• Head of Gold Products Division
• Head of Network and Operations Division
• Head of Fixed Asset Management Division
• Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
13. 6 Oktober 2023 Timeline dan Progress Tindak • Direktur Manajemen Risiko, Legal dan
October 6, 2023 Lanjut FGD Telaah Kasus Kepatuhan
Timeline and Progress of the • Kepala Satuan Pengawasan Intern
Follow-up of Case Study FGD • Komite Audit
• Komite Pemantau Risiko
• Komite Nominasi dan Remunerasi
• Director of Risk Management, Legal and
Compliance
• Head of Internal Audit Unit
• Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
PT Pegadaian | 2023 Annual Report 487
Page 488
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
14. 17 Oktober 2023 Pembahasan Usulan Rancangan • Kepala Divisi Perencanaan Strategis
October 17, 2023 Rencana Jangka Panjang • Kepala Divisi Project Management Office dan
Perusahaan (RJPP) Tahun 2024- Manajemen Perubahan
2028 dan Rencana Kerja dan • Kepala Divisi Manajemen Risiko, Operasi dan
Anggaran Perusahaan (RKAP) Korporasi
Tahun 2024 PT Pegadaian • Komite Audit
Discussion of the Proposed Draft • Komite Pemantau Risiko
Company Long Term Plan (RJPP) • Komite Nominasi dan Remunerasi
for 2024-2028 and the Company • Head of Strategic Planning Division
Work Plan and Budget (RKAP) for • Head of the Project Management Office and
2024 PT Pegadaian Change Management Division
• Head of Risk Management, Operations and
Corporate Division
• Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
15. 18 Oktober 2023 • Pembahasan Hasil Audit SPI • Kepala Satuan Pengawasan Intern
October 18, 2023 s.d. bulan September 2023 • Komite Audit
• Hal-hal Strategis Lainnya • Komite Pemantau Risiko
• Discussion of SPI Audit Result • Komite Nominasi dan Remunerasi
as of September 2023 • Head of Internal Audit Unit
• Other Strategic Matters • Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
488 Laporan Tahunan 2023 | PT Pegadaian
Page 489
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
16. 20 Oktober 2023 • Pembahasan Kinerja • SEVP Transformation Office
October 20, 2023 Perusahaan s.d. bulan • Kepala Divisi Manajemen Kinerja Perusahaan
September 2023; • Kepala Divisi Akuntansi
• Pembahasan Profil Risiko bulan • Kepala Divisi Perencanaan Strategis
September 2023; • Kepala Divisi Tresuri
• Pembahasan Kinerja Sumber • Kepala Divisi Manajemen Risiko, Operasi dan
Daya Manusia s.d. bulan Korporasi
September 2023. • Kepala Divisi Risiko Kredit & Asuransi
• Discussion of Company • Kepala Divisi Strategi Human Capital
Performance as of September • Kepala Divisi Budaya Kerja
2023; • Kepala Divisi Operasional Human Capital
• Discussion of Risk Profile for • Kepala Divisi Pegadaian Corporate University
September 2023; • Kepala Divisi Kepatuhan
• Discussion of Human • Kepala Divisi Penjualan
Resources Performance as of • Kepala Divisi Hubungan Kelembagaan
September 2023. • Kepala Divisi Produk Gadai
• Kepala Divisi Unit Usaha Syariah
• Kepala Divisi Pemasaran
• Kepala Divisi Produk Mikro Fidusia
• Kepala Divisi Produk Emas
• Kepala Divisi Jaringan dan Operasional
• Kepala Divisi Manajemen Aset Tetap
• Komite Audit
• Komite Pemantau Risiko
• Komite Nominasi dan Remunerasi
• SEVP Transformation Office
• Head of Company Performance Management
Division
• Head of Accounting Division
• Head of Strategic Planning Division
• Head of Treasury Division
• Head of Risk Management, Operations and
Corporate Division
• Head of Credit Risk & Insurance Division
• Head of Human Capital Strategy Division
• Head of Work Culture Division
• Head of Human Capital Operations Division
• Head of Pegadaian Corporate University
Division
• Head of Compliance Division
• Head of Sales Division
• Head of Institutional Relations Division
• Head of Pawn Products Division
• Head of Sharia Business Unit Division
• Head of Marketing Division
• Head of Micro Fiduciary Products Division
• Head of Gold Products Division
• Head of Network and Operations Division
• Head of Fixed Asset Management Division
• Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
17. 10 November 2023 • Pembahasan Evaluasi Produk • Direktur Manajemen Risiko, Legal dan
November 10, 2023 Gadai Efek dan Pencegahan Kepatuhan
NPL Berulang • Kepala Divisi Produk Gadai
• Pembahasan Temuan yang • Kepala Divisi Manajemen Risiko, Operasi dan
Material dari Pemeriksaan OJK Korporasi
Tahun 2023 • Kepala Satuan Pengawasan Intern
• Discussion on Evaluation of • Komite Pemantau Risiko
Securities Pawn Products and • Director of Risk Management, Legal and
Prevention of Recurring NPLs Compliance
• Discussion of Material Findings • Head of Pawn Products Division
from the OJK Audit in 2023 • Head of Risk Management, Operations and
Corporate Division
• Head of Internal Audit Unit
• Risk Monitoring Committee
PT Pegadaian | 2023 Annual Report 489
Page 490
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
18. 14 November 2023 • Pembahasan Hasil Temuan • Kepala Satuan Pengawasan Intern
November 14, 2023 yang Material dari Pemeriksaan • Kepala Divisi Manajemen Risiko, Operasi dan
OJK Tahun 2023 Korporasi
• Pembahasan Evaluasi Produk • Kepala Divisi Risiko Kredit dan Asuransi
Gadai Efek dan Pencegahan • Kepala Divisi Legal
NPL Berulang • Kepala Divisi Kepatuhan
• Discussion of Material Findings • Kepala Divisi Produk Gadai
from the OJK Audit in 2023 • Kepala Divisi Jaringan dan Operasional
• Discussion on Evaluation of • Kepala Divisi Manajemen Data TI
Securities Pawn Products and • Kepala Divisi Pengembangan Aplikasi TI
Prevention of Recurring NPLs • Kepala Divisi Operasional Human Capital
• Kepala Divisi Manajemen Aset Tetap
• Kepala Divisi Akuntansi
• Komite Pemantau Risiko
• Komite Audit
• Head of Internal Audit Unit
• Head of Risk Management, Operations and
Corporate Division
• Head of Credit Risk and Insurance Division
• Head of Legal Division
• Head of Compliance Division
• Head of Pawn Products Division
• Head of Network and Operations Division
• Head of IT Data Management Division
• Head of IT Application Development Division
• Head of Human Capital Operations Division
• Head of Fixed Asset Management Division
• Head of Accounting Division
• Risk Monitoring Committee
• Audit Committee
19. 17 November 2023 • Pembahasan Hasil Audit SPI • Kepala Satuan Pengawasan Intern
November 17, 2023 s.d. Oktober 2023 • Komite Audit
• Hal-hal Strategis Lainnya • Komite Pemantau Risiko
• Discussion of SPI Audit Result • Komite Nominasi dan Remunerasi
as of October 2023 • Head of Internal Audit Unit
• Other Strategic Matters • Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
490 Laporan Tahunan 2023 | PT Pegadaian
Page 491
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
20. 23 November 2023 • Pembahasan Kinerja • SEVP Transformation Office
November 23, 2023 Perusahaan s.d. bulan Oktober • Kepala Divisi Manajemen Kinerja Perusahaan
2023; • Kepala Divisi Akuntansi
• Pembahasan Profil Risiko bulan • Kepala Divisi Perencanaan Strategis
Oktober 2023; • Kepala Divisi Tresuri
• Pembahasan Kinerja Sumber • Kepala Divisi Manajemen Risiko, Operasi dan
Daya Manusia s.d. bulan Korporasi
Oktober 2023. • Kepala Divisi Risiko Kredit & Asuransi
• Discussion of Company • Kepala Divisi Strategi Human Capital
Performance as of October • Kepala Divisi Budaya Kerja
2023; • Kepala Divisi Operasional Human Capital
• Discussion of Risk Profile for • Kepala Divisi Pegadaian Corporate University
October 2023; • Kepala Divisi Kepatuhan
• Discussion of Human • Kepala Divisi Penjualan
Resources Performance as of • Kepala Divisi Hubungan Kelembagaan
October 2023. • Kepala Divisi Produk Gadai
• Kepala Divisi Unit Usaha Syariah
• Kepala Divisi Pemasaran
• Kepala Divisi Produk Mikro Fidusia
• Kepala Divisi Produk Emas
• Kepala Divisi Jaringan dan Operasional
• Kepala Divisi Manajemen Aset Tetap
• Komite Audit
• Komite Pemantau Risiko
• Komite Nominasi dan Remunerasi
• SEVP Transformation Office
• Head of Company Performance Management
Division
• Head of Accounting Division
• Head of Strategic Planning Division
• Head of Treasury Division
• Head of Risk Management, Operations and
Corporate Division
• Head of Credit Risk & Insurance Division
• Head of Human Capital Strategy Division
• Head of Work Culture Division
• Head of Human Capital Operations Division
• Head of Pegadaian Corporate University
Division
• Head of Compliance Division
• Head of Sales Division
• Head of Institutional Relations Division
• Head of Pawn Products Division
• Head of Sharia Business Unit Division
• Head of Marketing Division
• Head of Micro Fiduciary Products Division
• Head of Gold Products Division
• Head of Network and Operations Division
• Head of Fixed Asset Management Division
• Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
21. 18 Desember 2023 • Pembahasan Hasil Audit SPI • Kepala Satuan Pengawasan Intern
December 18, 2023 s.d. November 2023 • Komite Audit
• Hal-hal strategis lainnya • Komite Pemantau Risiko
• Discussion of SPI Audit Result • Komite Nominasi dan Remunerasi
as of November 2023 • Head of Internal Audit Unit
• Other strategic matters • Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
PT Pegadaian | 2023 Annual Report 491
Page 492
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meetings where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
22. 18 Desember 2023 • Pembahasan CKPN • Kepala Satuan Pengawasan Intern
December 18, 2023 • Hal-hal strategis lainnya • Kepala Divisi Akuntansi
• Discussion on CKPN • Komite Audit
• Other strategic matters • Bp. Humbul Kristiawan, Anggota Komite
Pemantau Risiko
• Bp. Charles R. Vorst, Anggota Komite
Pemantau Risiko
• Head of Internal Audit Unit
• Head of Accounting Division
• Audit Committee
• Humbul Kristiawan, Member of the Risk
Monitoring Committee
• Charles R. Vorst, Member of the Risk
Monitoring Committee
23. 19 Desember 2023 • Pembahasan Kinerja • SEVP Transformation Office
December 19, 2023 Perusahaan s.d. bulan • Kepala Divisi Manajemen Kinerja Perusahaan
November 2023; • Kepala Divisi Akuntansi
• Pembahasan Profil Risiko bulan • Kepala Divisi Perencanaan Strategis
November 2023; • Kepala Divisi Tresuri
• Pembahasan Kinerja Sumber • Kepala Divisi Manajemen Risiko, Operasi dan
Daya Manusia s.d. bulan Korporasi
November 2023. • Kepala Divisi Risiko Kredit & Asuransi
• Discussion of Company • Kepala Divisi Strategi Human Capital
Performance as of November • Kepala Divisi Budaya Kerja
2023; • Kepala Divisi Operasional Human Capital
• Discussion of Risk Profile for • Kepala Divisi Pegadaian Corporate University
November 2023; • Kepala Divisi Kepatuhan
• Discussion of Human • Kepala Divisi Penjualan
Resources Performance as of • Kepala Divisi Hubungan Kelembagaan
November 2023. • Kepala Divisi Produk Gadai
• Kepala Divisi Unit Usaha Syariah
• Kepala Divisi Pemasaran
• Kepala Divisi Produk Mikro Fidusia
• Kepala Divisi Produk Emas
• Kepala Divisi Jaringan dan Operasional
• Kepala Divisi Manajemen Aset Tetap
• Komite Audit
• Komite Pemantau Risiko
• Komite Nominasi dan Remunerasi
• SEVP Transformation Office
• Head of Company Performance Management
Division
• Head of Accounting Division
• Head of Strategic Planning Division
• Head of Treasury Division
• Head of Risk Management, Operations and
Corporate Division
• Head of Credit Risk & Insurance Division
• Head of Human Capital Strategy Division
• Head of Work Culture Division
• Head of Human Capital Operations Division
• Head of Pegadaian Corporate University
Division
• Head of Compliance Division
• Head of Sales Division
• Head of Institutional Relations Division
• Head of Pawn Products Division
• Head of Sharia Business Unit Division
• Head of Marketing Division
• Head of Micro Fiduciary Products Division
• Head of Gold Products Division
• Head of Network and Operations Division
• Head of Fixed Asset Management Division
• Audit Committee
• Risk Monitoring Committee
• Nomination and Remuneration Committee
492 Laporan Tahunan 2023 | PT Pegadaian
Page 493
Tingkat kehadiran anggota Komite Pemantau Risiko The level of attendance of Risk Monitoring Committee
dalam rapat adalah sebagai berikut: members at meetings is as follows:
Jumlah Rapat
Nama Jabatan Kehadiran % Kehadiran
No Number of
Name Position Attendance Attendance
Meetings
Ketua
1 Makmur Keliat 28 28 100%
Chairman
Anggota
2 Yudi Priambodo P. 51 51 100%
Member
Anggota
3 Umiyatun Hayati Triastuti 51 51 100%
Member
Anggota
4 Sudarto 25 25 100%
Member
Anggota
5 Humbul Kristiawan 51 51 100%
Member
Anggota
6 Charles R. Vorst 51 51 100%
Member
*Perbedaan jumlah rapat disebabkan Dewan Komisaris turut hadir pada Rapat yang bersifat opsional.
*The difference in the number of meetings is due to the Board of Commissioners also attending the optional meeting.
Keputusan yang diambil dalam rapat Komite Decisions taken at the Risk Monitoring Committee
Pemantau Risiko telah dicatat dan didokumentasikan meeting have been properly recorded and
dengan baik dalam risalah rapat Komite Pemantau documented in the minutes of the Risk Monitoring
Risiko. Risalah rapat ditandatangani oleh ketua rapat Committee meeting. The minutes of the meeting are
dan didistribusikan kepada semua anggota Komite signed by the chairman of the meeting and distributed
Pemantau Risiko yang menghadiri rapat maupun to all members of the Risk Monitoring Committee who
tidak. Perbedaan pendapat (dissenting opinion) yang attend the meeting or not. Differences of opinion
terjadi dalam rapat akan dicantumkan dalam risalah (dissenting opinions) that occur at the meeting will be
rapat disertai alasan mengenai perbedaan pendapat. included in the minutes of the meeting along with the
reasons for the difference of opinion.
Laporan Pelaksanaan Tugas Tahun 2023 2023 Duties Implementation Report
Sesuai dengan laporan Komite Pemantau Risiko yang In accordance with the Risk Monitoring Committee
disampaikan kepada Dewan Komisaris, pelaksanaan report submitted to the Board of Commissioners, the
tugas yang telah dilakukan Komite Pemantau Risiko implementation of the duties carried out by the Risk
selama tahun 2023, adalah sebagai berikut: Monitoring Committee during 2023 is as follows:
1. Tanggapan dan Rekomendasi kepada Dewan 1. Responses and Recommendations to the Board of
Komisaris Commissioners
Selama tahun 2023, Komite Pemantau Risiko telah During 2023, the Risk Monitoring Committee has
memberikan tanggapan, laporan, telaahan dan provided responses, reports, studies and input to
masukan kepada Dewan Komisaris, antara lain: the Board of Commissioners, including:
Nomor & Tanggal Surat Kepada Perihal
No
Letter Number & Date To Subject
Permohonan Tanda Tangan Dewan Komisaris mengenai
Dewan
S-01/DK.GD/KPR/04/2023 Ketidakterlibatan dalam Suatu Perkara di Badan Peradilan dan
Komisaris
1 11 April 2023 Arbitrase
Board of
April 11, 2023 Request for Signature of the Board of Commissioners regarding
Commissioners
Non-Involvement in a Case at the Judicial and Arbitration Body
Dewan Permintaan Status Terkini Penyerapan Belanja Modal (Capex) PT
S-02/DK.GD/KPR/05/2023
Komisaris Pegadaian Tahun 2023
2 19 Mei 2023
Board of Request for Latest Status of PT Pegadaian's Capital Expenditure
May 19, 2023
Commissioners (Capex) Absorption in 2023
PT Pegadaian | 2023 Annual Report 493
Page 494
Tata Kelola Perusahaan
Corporate Governance
Nomor & Tanggal Surat Kepada Perihal
No
Letter Number & Date To Subject
Dewan Permintaan Status Terkini Penyelesaian Transaksi Pelepasan
S-03/DK.GD/KPR/05/2023
Komisaris Aset Hotel ex Milik PT Pesonna Indonesia Jaya
3 19 Mei 2023
Board of Request for Latest Status of Completion of Hotel Asset Disposal
May 19, 2023
Commissioners Transactions ex-owned by PT Pesonna Indonesia Jaya
Tanggapan Komite Pemantau Risiko Atas Permohonan
Persetujuan Dewan Komisaris PT Pegadaian atas Pedoman
Dewan
S-05/DK.GD/KPR/08/2023 Penerapan Program APU, PPT, dan PPPSPM
Komisaris
4 14 Agustus 2023 Response of the Risk Monitoring Committee to the Request for
Board of
August 14, 2023 Approval from the Board of Commissioners of PT Pegadaian
Commissioners
regarding the Guidelines for Implementing the APU, PPT and
PPPSPM Programs
Review Komite Pemantau Risiko atas Permohonan Persetujuan
Dewan Dewan Komisaris atas Rencana Aksi Keuangan Berkelanjutan PT
S-06/DK.GD/KPR/11/2023
Komisaris Pegadaian Tahun 2024
5 29 November 2023
Board of Review of the Risk Monitoring Committee on the Board of
November 29, 2023
Commissioners Commissioners' Approval Request for PT Pegadaian's 2024
Sustainable Financial Action Plan
Selain hal tersebut di atas, Komite Pemantau Apart from the above, the Risk Monitoring
Risiko bersama dengan Komite Audit serta Komite Committee together with the Audit Committee
Nominasi & Remunerasi juga membuat dan and the Nomination & Remuneration Committee
menyampaikan kajian, rekomendasi, masukan atau also make and submit studies, recommendations,
pendapat kepada Dewan Komisaris, melalui surat input or opinions to the Board of Commissioners,
bersama sebagaimana disampaikan pada bagian through joint letter as submitted to the Audit
Komite Audit. Committee.
2. Kunjungan Kerja Komite Pemantau Risiko 2. Risk Monitoring Committee Work Visit
Dalam rangka memberikan motivasi kepada In order to provide motivation to all Company
seluruh unit Perseroan dan untuk mendapatkan units and to obtain information, clarification and
informasi, klarifikasi dan gambaran atas kemajuan/ an overview of progress/developments as well as
perkembangan serta permasalahan yang dihadapi problems encountered by regions and branches,
wilayah dan cabang, komite melakukan kunjungan the committee visits regions and branches with
ke wilayah dan cabang atas persetujuan dari Dewan approval from the Board of Commissioners. In
Komisaris. pada tahun 2023, jumlah kunjungan 2023, the number of working visits to Regional/
kerja ke Kantor Wilayah/Cabang yang dilakukan Branch Offices carried out by the Risk Monitoring
oleh Komite Pemantau Risiko sebagai berikut: Committee is as follows:
Tabel Kunjungan Kerja Komite Pemantau Risiko 2023
Table of 2023 Risk Monitoring Committee Work Visits
Nama Tanggal Tujuan Dalam Rangka
No
Name Date Objective Regarding
1. Makmur 19 Januari 2023 Kanwil X Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah X
Keliat January 19, 2023 Bandung Bandung
Virtual Working Visit of the Board of Commissioners to Regional Office
X Bandung
30 Januari s.d. 03 Februari Area Gunung Kunjungan Kerja Dewan Komisaris ke Wilayah Area Gunung Sitoli dan
2023 Sitoli dan Banda Aceh Kanwil I Medan
January 30 to February 3, Banda Aceh Board of Commissioners Working Visit to the Gunung Sitoli Area and
2023 Banda Aceh Regional Office I Medan
13 s.d. 15 Februari 2023 Solo Menghadiri Undangan Rapat Kerja Nasional Satuan Pengawasan Intern
February 13-15, 2023 (SPI) PT Pegadaian Tahun 2023 di Solo serta Monitoring Implementasi
Holding Ultra Mikro (Outlet SenyuM) dan Kunjungan Kerja ke Outlet
Pegadaian dan Pengelolaan UMKM di Area Kanwil XI Semarang
Attending the Invitation to the 2023 PT Pegadaian Internal Audit
Unit (SPI) National Work Meeting in Solo as well as Monitoring the
Implementation of Ultra Micro Holding (Outlet SenyuM) and Working
Visits to Pegadaian Outlets and MSME Management in the Regional
Office Area XI Semarang
494 Laporan Tahunan 2023 | PT Pegadaian
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Tabel Kunjungan Kerja Komite Pemantau Risiko 2023
Table of 2023 Risk Monitoring Committee Work Visits
Nama Tanggal Tujuan Dalam Rangka
No
Name Date Objective Regarding
17 Februari 2023 Kanwil VI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VI
February 17, 2023 Makassar Makassar
Virtual Working Visit of the Board of Commissioners to Regional Office
VI Makassar
10 Maret 2023 Kanwil III Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah III
March 10, 2023 Palembang Palembang
Virtual Working Visit of the Board of Commissioners to Palembang
Regional Office III
14 April 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah XI
April 14, 2023 Semarang Semarang
Virtual Working Visit of the Board of Commissioners to Semarang Region
XI Office
04 Juli 2023 Kanwil V Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah V
July 04, 2023 Manado Manado
Virtual Working Visit of the Board of Commissioners to Manado Regional
Office V
25 s.d. 29 Juli 2023 Kantor Area Kunjungan Kerja Dewan Komisaris ke Kantor Wilayah V Manado PT
July 25-29, 2023 Halmahera Pegadaian:
dan Papua Kantor Area Halmahera
Kantor Area Papua
Board of Commissioners Working Visit to PT Pegadaian Region V
Manado Office:
Halmahera Area Office
Papua Area Office
28 Juli 2023 Kanwil II Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
July 28, 2023 Pekanbaru Pekanbaru
Virtual Working Visit of the Board of Commissioners to Pekanbaru
Regional Office II
31 Agustus s.d. 02 Kantor XI Menghadiri Undangan Exit Meeting Audit pada Kantor Wilayah XI
September 2023 Semarang Semarang oleh KAP Purwantono, Sungkono & Surja (EY)
August 31 to September Attended the Audit Exit Meeting Invitation at Semarang Region XI Office
2, 2023 by KAP Purwantono, Sungkono & Surja (EY)
08 September 2023 Kanwil IV Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IV
September 8, 2023 Balikpapan Balikpapan
Virtual Working Visit of the Board of Commissioners to the Balikpapan
Region IV Office
11 s.d. 13 September 2023 Kanwil I Menghadiri Undangan Exit Meeting Audit pada Kantor Wilayah I Medan
September 11-13, 2023 Medan oleh KAP Purwantono, Sungkoro & Surja (EY) serta kunjungan kerja ke
outlet Pegadaian di Kantor Wilayah I Medan
Attended the Audit Exit Meeting Invitation at the Medan Regional Office
I by KAP Purwantono, Sungkoro & Surja (EY) as well as a working visit to
the Pegadaian outlet at the Medan Regional I Office
28 s.d. 30 September 2023 Malang Menghadiri Rapat Koordinasi Dewan Komisaris dan Direksi PT Pegadaian
September 28-30, 2023 Tahun 2023
Attend the Coordination Meeting of the Board of Commissioners and
Board of Directors of PT Pegadaian in 2023
19 Oktober 2023 Kanwil XII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
October 19, 2023 Surabaya Surabaya
Virtual Working Visit of the Board of Commissioners to Regional Office
II Surabaya
31 Oktober 2023 Kanwil I Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah I
October 31, 2023 Medan Medan
Virtual Working Visit of the Board of Commissioners to Medan Regional
I Office
24 November 2023 Kanwil VIII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VIII
November 24, 2023 Jakarta 1 Jakarta 1
Virtual Working Visit of the Board of Commissioners to Regional Office
VIII Jakarta 1
14 Desember 2023 Kanwil IX Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IX
December 14, 2023 Jakarta 2 Jakarta 2
Virtual Working Visit of the Board of Commissioners to Regional Office
IX Jakarta 2
27 Desember 2023 Kanwil VII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VII
December 27, 2023 Denpasar Denpasar
Virtual Working Visit of the Board of Commissioners to Denpasar Region
VII Office
PT Pegadaian | 2023 Annual Report 495
Page 496
Tata Kelola Perusahaan
Corporate Governance
Tabel Kunjungan Kerja Komite Pemantau Risiko 2023
Table of 2023 Risk Monitoring Committee Work Visits
Nama Tanggal Tujuan Dalam Rangka
No
Name Date Objective Regarding
2. Yudi 19 Januari 2023 Kanwil X Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah X
Priambodo January 19, 2023 Bandung Bandung
P. Virtual Working Visit of the Board of Commissioners to Regional Office
X Bandung
13 s.d. 15 Februari 2023 Solo Menghadiri Undangan Rapat Kerja Nasional Satuan Pengawasan Intern
February 13-15, 2023 (SPI) PT Pegadaian Tahun 2023 di Solo serta Monitoring Implementasi
Holding Ultra Mikro (Outlet SenyuM) dan Kunjungan Kerja ke Outlet
Pegadaian dan Pengelolaan UMKM di Area Kanwil XI Semarang
Attending the Invitation to the 2023 PT Pegadaian Internal Audit
Unit (SPI) National Work Meeting in Solo as well as Monitoring the
Implementation of Ultra Micro Holding (Outlet SenyuM) and Working
Visits to Pegadaian Outlets and MSME Management in the Regional
Office Area XI Semarang
17 Februari 2023 Kanwil VI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VI
February 17, 2023 Makassar Makassar
Virtual Working Visit of the Board of Commissioners to Regional Office
VI Makassar
10 Maret 2023 Kanwil III Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah III
March 10, 2023 Palembang Palembang
Virtual Working Visit of the Board of Commissioners to Palembang
Regional Office III
14 April 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah XI
April 14, 2023 Semarang Semarang
Virtual Working Visit of the Board of Commissioners to Semarang Region
XI Office
04 Juli 2023 Kanwil V Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah V
July 04, 2023 Manado Manado
Virtual Working Visit of the Board of Commissioners to Manado Regional
Office V
04 s.d. 07 Juli 2023 Yogyakarta Menghadiri Upacara Pengukuhan Wisudawan QIA dan Konferensi Auditor
July 4-7, 2023 Internal 2023 serta Kunjungan Kerja ke Outlet Pegadaian di Yogyakarta
area Kanwil XI Semarang
Attended the Inauguration Ceremony for QIA Graduates and the 2023
Internal Auditor Conference as well as a Work Visit to the Pegadaian
Outlet in Yogyakarta, Regional Office XI Semarang area
25 s.d. 29 Juli 2023 Kantor Area Kunjungan Kerja Dewan Komisaris ke Kantor Wilayah V Manado PT
July 25-29, 2023 Halmahera Pegadaian:
dan Papua Kantor Area Halmahera
Kantor Area Papua
Board of Commissioners Working Visit to PT Pegadaian Region V
Manado Office:
Halmahera Area Office
Papua Area Office
28 Juli 2023 Kanwil II Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
July 28, 2023 Pekanbaru Pekanbaru
Virtual Working Visit of the Board of Commissioners to Pekanbaru
Regional Office II
08 September 2023 Kanwil IV Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IV
September 8, 2023 Balikpapan Balikpapan
Virtual Working Visit of the Board of Commissioners to the Balikpapan
Region IV Office
11 s.d. 13 September 2023 Kanwil I Menghadiri Undangan Exit Meeting Audit pada Kantor Wilayah I Medan
September 11-13, 2023 Medan oleh KAP Purwantono, Sungkoro & Surja (EY) serta kunjungan kerja ke
outlet Pegadaian di Kantor Wilayah I Medan
Attended the Audit Exit Meeting Invitation at the Medan Regional Office
I by KAP Purwantono, Sungkoro & Surja (EY) as well as a working visit to
the Pegadaian outlet at the Medan Regional I Office
25 s.d. 26 September 2023 Kanwil IV Menghadiri Undangan Exit Meeting Audit pada Kantor Wilayah
September 25-26, 2023 Balikpapan IV Balikpapan oleh KAP Purwantono, Sungkoro & Surja (EY) serta
kunjungan kerja ke outlet Pegadaian di Kantor Wilayah IV Balikpapan
Attended the Audit Exit Meeting Invitation at the Balikpapan Region IV
Office by KAP Purwantono, Sungkoro & Surja (EY) as well as a working
visit to the Pegadaian outlet at the Balikpapan Region IV Office
28 s.d. 30 September 2023 Malang Menghadiri Rapat Koordinasi Dewan Komisaris dan Direksi PT Pegadaian
September 28-30, 2023 Tahun 2023
Attend the Coordination Meeting of the Board of Commissioners and
Board of Directors of PT Pegadaian in 2023
19 Oktober 2023 Kanwil XII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
October 19, 2023 Surabaya Surabaya
Virtual Working Visit of the Board of Commissioners to Regional Office
II Surabaya
496 Laporan Tahunan 2023 | PT Pegadaian
Page 497
Tabel Kunjungan Kerja Komite Pemantau Risiko 2023
Table of 2023 Risk Monitoring Committee Work Visits
Nama Tanggal Tujuan Dalam Rangka
No
Name Date Objective Regarding
31 Oktober 2023 Kanwil I Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah I
October 31, 2023 Medan Medan
Virtual Working Visit of the Board of Commissioners to Medan Regional
I Office
24 November 2023 Kanwil VIII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VIII
November 24, 2023 Jakarta 1 Jakarta 1
Virtual Working Visit of the Board of Commissioners to Regional Office
VIII Jakarta 1
14 Desember 2023 Kanwil IX Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IX
December 14, 2023 Jakarta 2 Jakarta 2
Virtual Working Visit of the Board of Commissioners to Regional Office
IX Jakarta 2
27 Desember 2023 Kanwil VII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VII
December 27, 2023 Denpasar Denpasar
Virtual Working Visit of the Board of Commissioners to Denpasar Region
VII Office
3. Umiyatun 19 Januari 2023 Kanwil X Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah X
Hayati January 19, 2023 Bandung Bandung
Triastuti Virtual Working Visit of the Board of Commissioners to Regional Office
X Bandung
04 Februari 2023 Sukabumi Kunjungan Kerja Dewan Komisaris ke Wilayah Area Sukabumi Kanwil
February 4, 2023 Jakarta I PT Pegadaian
Working Visit of the Board of Commissioners to the Sukabumi Area
Jakarta Regional Office I PT Pegadaian
17 Februari 2023 Kanwil VI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VI
February 17, 2023 Makassar Makassar
Virtual Working Visit of the Board of Commissioners to Regional Office
VI Makassar
24 s.d. 25 Februari 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris ke Area Kanwil XI Semarang PT
February 24-25, 2023 Semarang Pegadaian
Board of Commissioners Working Visit to Area Kanwil XI Semarang PT
Pegadaian
10 Maret 2023 Kanwil III Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah III
March 10, 2023 Palembang Palembang
Virtual Working Visit of the Board of Commissioners to Palembang
Regional Office III
14 April 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah XI
April 14, 2023 Semarang Semarang
Virtual Working Visit of the Board of Commissioners to Semarang Region
XI Office
23 s.d. 24 Mei 2023 Kanwil VII Kunjungan Kerja Dewan Komisaris ke Area Kanwil VII Denpasar PT
May 23-24, 2023 Denpasar Pegadaian
Board of Commissioners Working Visit to Area Kanwil VII Denpasar PT
Pegadaian
04 Juli 2023 Kanwil V Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah V
July 04, 2023 Manado Manado
Virtual Working Visit of the Board of Commissioners to Manado Regional
Office V
28 Juli 2023 Kanwil II Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
July 28, 2023 Pekanbaru Pekanbaru
Virtual Working Visit of the Board of Commissioners to Pekanbaru
Regional Office II
08 September 2023 Kanwil IV Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IV
September 8, 2023 Balikpapan Balikpapan
Virtual Working Visit of the Board of Commissioners to the Balikpapan
Region IV Office
28 s.d. 30 September 2023 Malang Menghadiri Rapat Koordinasi Dewan Komisaris dan Direksi PT Pegadaian
September 28-30, 2023 Tahun 2023
Attend the Coordination Meeting of the Board of Commissioners and
Board of Directors of PT Pegadaian in 2023
19 Oktober 2023 Kanwil XII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
October 19, 2023 Surabaya Surabaya
Virtual Working Visit of the Board of Commissioners to Regional Office
II Surabaya
27 s.d. 28 Oktober 2023 Kanwil X Kunjungan Kerja Komisaris pada Area Kanwil X Bandung PT Pegadaian
October 27-28, 2023 Bandung Board of Commissioners' Working Visit to Area Kanwil X Bandung PT
Pegadaian
31 Oktober 2023 Kanwil I Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah I
October 31, 2023 Medan Medan
Virtual Working Visit of the Board of Commissioners to Medan Regional
I Office
PT Pegadaian | 2023 Annual Report 497
Page 498
Tata Kelola Perusahaan
Corporate Governance
Tabel Kunjungan Kerja Komite Pemantau Risiko 2023
Table of 2023 Risk Monitoring Committee Work Visits
Nama Tanggal Tujuan Dalam Rangka
No
Name Date Objective Regarding
24 November 2023 Kanwil VIII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VIII
November 24, 2023 Jakarta 1 Jakarta 1
Virtual Working Visit of the Board of Commissioners to Regional Office
VIII Jakarta 1
14 Desember 2023 Kanwil IX Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IX
December 14, 2023 Jakarta 2 Jakarta 2
Virtual Working Visit of the Board of Commissioners to Regional Office
IX Jakarta 2
27 Desember 2023 Kanwil VII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VII
December 27, 2023 Denpasar Denpasar
Virtual Working Visit of the Board of Commissioners to Denpasar Region
VII Office
4. Sudarto 19 Januari 2023 Kanwil X Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah X
January 19, 2023 Bandung Bandung
Virtual Working Visit of the Board of Commissioners to Regional Office
X Bandung
17 Februari 2023 Kanwil VI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VI
February 17, 2023 Makassar Makassar
Virtual Working Visit of the Board of Commissioners to Regional Office
VI Makassar
10 Maret 2023 Kanwil III Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah III
March 10, 2023 Palembang Palembang
Virtual Working Visit of the Board of Commissioners to Palembang
Regional Office III
14 April 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah XI
April 14, 2023 Semarang Semarang
Virtual Working Visit of the Board of Commissioners to Semarang Region
XI Office
04 Juli 2023 Kanwil V Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah V
July 04, 2023 Manado Manado
Virtual Working Visit of the Board of Commissioners to Manado Regional
Office V
28 Juli 2023 Kanwil II Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
July 28, 2023 Pekanbaru Pekanbaru
Virtual Working Visit of the Board of Commissioners to Pekanbaru
Regional Office II
08 September 2023 Kanwil IV Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IV
September 8, 2023 Balikpapan Balikpapan
Virtual Working Visit of the Board of Commissioners to the Balikpapan
Region IV Office
28 s.d. 30 September 2023 Malang Menghadiri Rapat Koordinasi Dewan Komisaris dan Direksi PT Pegadaian
September 28-30, 2023 Tahun 2023
Attend the Coordination Meeting of the Board of Commissioners and
Board of Directors of PT Pegadaian in 2023
19 Oktober 2023 Kanwil XII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
October 19, 2023 Surabaya Surabaya
Virtual Working Visit of the Board of Commissioners to Regional Office
II Surabaya
31 Oktober 2023 Kanwil I Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah I
October 31, 2023 Medan Medan
Virtual Working Visit of the Board of Commissioners to Medan Regional
I Office
24 November 2023 Kanwil VIII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VIII
November 24, 2023 Jakarta 1 Jakarta 1
Virtual Working Visit of the Board of Commissioners to Regional Office
VIII Jakarta 1
14 Desember 2023 Kanwil IX Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IX
December 14, 2023 Jakarta 2 Jakarta 2
Virtual Working Visit of the Board of Commissioners to Regional Office
IX Jakarta 2
27 Desember 2023 Kanwil VII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VII
December 27, 2023 Denpasar Denpasar
Virtual Working Visit of the Board of Commissioners to Denpasar Region
VII Office
498 Laporan Tahunan 2023 | PT Pegadaian
Page 499
Tabel Kunjungan Kerja Komite Pemantau Risiko 2023
Table of 2023 Risk Monitoring Committee Work Visits
Nama Tanggal Tujuan Dalam Rangka
No
Name Date Objective Regarding
5. Humbul 19 Januari 2023 Kanwil X Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah X
Kristiawan January 19, 2023 Bandung Bandung
Virtual Working Visit of the Board of Commissioners to Regional Office
X Bandung
07 s.d. 08 Februari 2023 Solo Menghadiri Undangan Rapat Koordinasi Terbatas (Rakortas) Manajemen
February 7-8, 2023 Risiko PT Pegadaian di Solo
Attended the Limited Coordination Meeting (Rakortas) of PT Pegadaian
Risk Management Invitation in Solo
17 Februari 2023 Kanwil VI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VI
February 17, 2023 Makassar Makassar
Virtual Working Visit of the Board of Commissioners to Regional Office
VI Makassar
24 s.d. 25 Februari 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris ke Area Kanwil XI Semarang PT
February 24-25, 2023 Semarang Pegadaian
Board of Commissioners Working Visit to Area Kanwil XI Semarang PT
Pegadaian
10 Maret 2023 Kanwil III Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah III
March 10, 2023 Palembang Palembang
Virtual Working Visit of the Board of Commissioners to Palembang
Regional Office III
14 April 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah XI
April 14, 2023 Semarang Semarang
Virtual Working Visit of the Board of Commissioners to Semarang Region
XI Office
04 Juli 2023 Kanwil V Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah V
July 04, 2023 Manado Manado
Virtual Working Visit of the Board of Commissioners to Manado Regional
Office V
28 Juli 2023 Kanwil II Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
July 28, 2023 Pekanbaru Pekanbaru
Virtual Working Visit of the Board of Commissioners to Pekanbaru
Regional Office II
08 September 2023 Kanwil IV Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IV
September 8, 2023 Balikpapan Balikpapan
Virtual Working Visit of the Board of Commissioners to the Balikpapan
Region IV Office
11 s.d. 13 September 2023 Kanwil I Menghadiri Undangan Exit Meeting Audit pada Kantor Wilayah I Medan
September 11-13, 2023 Medan oleh KAP Purwantono, Sungkoro & Surja (EY) serta kunjungan kerja ke
outlet Pegadaian di Kantor Wilayah I Medan
Attended the Audit Exit Meeting Invitation at the Medan Regional Office
I by KAP Purwantono, Sungkoro & Surja (EY) as well as a working visit to
the Pegadaian outlet at the Medan Regional I Office
19 Oktober 2023 Kanwil XII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
October 19, 2023 Surabaya Surabaya
Virtual Working Visit of the Board of Commissioners to Regional Office
II Surabaya
31 Oktober 2023 Kanwil I Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah I
October 31, 2023 Medan Medan
Virtual Working Visit of the Board of Commissioners to Medan Regional
I Office
24 November 2023 Kanwil VIII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VIII
November 24, 2023 Jakarta 1 Jakarta 1
Virtual Working Visit of the Board of Commissioners to Regional Office
VIII Jakarta 1
14 Desember 2023 Kanwil IX Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IX
December 14, 2023 Jakarta 2 Jakarta 2
Virtual Working Visit of the Board of Commissioners to Regional Office
IX Jakarta 2
27 Desember 2023 Kanwil VII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VII
December 27, 2023 Denpasar Denpasar
Virtual Working Visit of the Board of Commissioners to Denpasar Region
VII Office
6. Charles R. 19 Januari 2023 Kanwil X Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah X
Vorst January 19, 2023 Bandung Bandung
Virtual Working Visit of the Board of Commissioners to Regional Office
X Bandung
17 Februari 2023 Kanwil VI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VI
February 17, 2023 Makassar Makassar
Virtual Working Visit of the Board of Commissioners to Regional Office
VI Makassar
10 Maret 2023 Kanwil III Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah III
March 10, 2023 Palembang Palembang
Virtual Working Visit of the Board of Commissioners to Palembang
Regional Office III
PT Pegadaian | 2023 Annual Report 499
Page 500
Tata Kelola Perusahaan
Corporate Governance
Tabel Kunjungan Kerja Komite Pemantau Risiko 2023
Table of 2023 Risk Monitoring Committee Work Visits
Nama Tanggal Tujuan Dalam Rangka
No
Name Date Objective Regarding
14 April 2023 Kanwil XI Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah XI
April 14, 2023 Semarang Semarang
Virtual Working Visit of the Board of Commissioners to Semarang Region
XI Office
04 Juli 2023 Kanwil V Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah V
July 04, 2023 Manado Manado
Virtual Working Visit of the Board of Commissioners to Manado Regional
Office V
25 s.d. 29 Juli 2023 Kantor Area Kunjungan Kerja Dewan Komisaris ke Kantor Wilayah V Manado PT
July 25-29, 2023 Halmahera Pegadaian:
dan Papua Kantor Area Halmahera
Kantor Area Papua
Board of Commissioners Working Visit to PT Pegadaian Region V
Manado Office:
Halmahera Area Office
Papua Area Office
28 Juli 2023 Kanwil II Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
July 28, 2023 Pekanbaru Pekanbaru
Virtual Working Visit of the Board of Commissioners to Pekanbaru
Regional Office II
08 September 2023 Kanwil IV Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IV
September 8, 2023 Balikpapan Balikpapan
Virtual Working Visit of the Board of Commissioners to the Balikpapan
Region IV Office
25 s.d. 26 September 2023 Kanwil IV Menghadiri Undangan Exit Meeting Audit pada Kantor Wilayah
September 25-26, 2023 Balikpapan IV Balikpapan oleh KAP Purwantono, Sungkoro & Surja (EY) serta
kunjungan kerja ke outlet Pegadaian di Kantor Wilayah IV Balikpapan
Attended the Audit Exit Meeting Invitation at the Balikpapan Region IV
Office by KAP Purwantono, Sungkoro & Surja (EY) as well as a working
visit to the Pegadaian outlet at the Balikpapan Region IV Office
19 Oktober 2023 Kanwil XII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
October 19, 2023 Surabaya Surabaya
Virtual Working Visit of the Board of Commissioners to Regional Office
II Surabaya
31 Oktober 2023 Kanwil I Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah I
October 31, 2023 Medan Medan
Virtual Working Visit of the Board of Commissioners to Medan Regional
I Office
24 November 2023 Kanwil VIII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VIII
November 24, 2023 Jakarta 1 Jakarta 1
Virtual Working Visit of the Board of Commissioners to Regional Office
VIII Jakarta 1
14 Desember 2023 Kanwil IX Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IX
December 14, 2023 Jakarta 2 Jakarta 2
Virtual Working Visit of the Board of Commissioners to Regional Office
IX Jakarta 2
27 Desember 2023 Kanwil VII Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VII
December 27, 2023 Denpasar Denpasar
Virtual Working Visit of the Board of Commissioners to Denpasar Region
VII Office
Komite Nominasi dan Remunerasi Nomination and Remuneration
Committee
Komite Nominasi dan Remunerasi merupakan komite The Nomination and Remuneration Committee is a
yang dibentuk oleh Dewan Komisaris dalam rangka committee formed by the Board of Commissioners
membantu Dewan Komisaris dalam menjalankan in order to assist the Board of Commissioners in
peran transparansi proses nominasi dan remunerasi di implementing the role of transparency in the nomination
Perseroan, terutama dalam hal memastikan kepatuhan and remuneration process in the Company, especially
Perseroan terhadap undang-undang dan peraturan in terms of ensuring the Company’s compliance
yang berlaku, mewujudkan terlaksananya transparansi with applicable laws and regulations, realizing the
proses nominasi dan remunerasi yang baik, implementation of good and transparent nomination
meningkatkan kinerja, efektivitas dan kemandirian and remuneration processes, improving performance,
nominasi dan remunerasi, dan memastikan kualitas effectiveness and independence of nominations and
pelaporan. remuneration, and ensuring the quality of reporting.
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Pengangkatan dan Pemberhentian Appointment and Dismissal
Komite Nominasi dan Remunerasi diangkat dan The Nomination and Remuneration Committee
diberhentikan oleh Dewan Komisaris dengan is appointed and dismissed by the Board of
mempertimbangkan kriteria yang terdapat dalam Commissioners by considering the criteria contained
Piagam Komite Nominasi dan Remunerasi. in the Nomination and Remuneration Committee
Charter.
Kriteria Komite Nominasi dan Remunerasi Nomination and Remuneration
Committee Criteria
Sesuai dengan Piagam Komite Nominasi dan In accordance with the Nomination and Remuneration
Remunerasi yang disahkan berdasarkan Keputusan Committee Charter which was ratified based on
Dewan Komisaris No. KEP-09/KP/DK.GD/09/2020 Decree of the Board of Commissioners No. KEP-
tanggal 10 September 2020 tentang Piagam Komite 09/KP/DK.GD/09/2020 dated September 10, 2020
Nominasi dan Remunerasi, anggota Komite Nominasi concerning the Nomination and Remuneration
dan Remunerasi harus memenuhi persyaratan Committee Charter, members of the Nomination and
kompetensi yaitu memiliki integritas yang baik, Remuneration Committee shall fulfill competency
memiliki latar belakang pendidikan atau memiliki requirements, namely having good integrity, having
keahlian di bidang ketentuan sistem nominasi dan educational background or having expertise in
remunerasi, salah seorang dari anggota Komite nomination and remuneration system provisions, one
Nominasi dan Remunerasi harus memiliki pengetahuan of the members of the Nomination and Remuneration
yang memadai di bidang bisnis Perseroan, dapat Committee must have adequate knowledge in the
menyediakan waktu yang cukup untuk menyelesaikan Company’s business field, be able to provide sufficient
tugasnya dan mampu bekerja sama dan berkomunikasi time to complete their duties and be able to work
secara efektif. together and communicate effectively.
Masa Jabatan Komite Nominasi dan Term of Office of the Nomination and
Remunerasi Remuneration Committee
Masa jabatan anggota Komite Nominasi dan The term of office of members of the Nomination and
Remunerasi yang bukan merupakan anggota Dewan Remuneration Committee who are not members of
Komisaris Perseroan paling lama 3 (tiga) tahun dan the Company’s Board of Commissioners is a maximum
dapat diperpanjang satu kali selama 2 (dua) tahun of 3 (three) years and can be extended once for a 2
masa jabatan, dengan tidak mengurangi hak Dewan (two) year term of office, without prejudice to the
Komisaris untuk memberhentikannya sewaktu-waktu. right of the Board of Commissioners to dismiss them
at any time.
Pedoman Kerja: Piagam Komite Nominasi Work Guidelines: Nomination and
dan Remunerasi Remuneration Committee Charter
Pedoman kerja Komite Nominasi dan Remunerasi The Nomination and Remuneration Committee
mengacu pada Keputusan Dewan Komisaris No. KEP- work guidelines refer to Decree of the Board of
09/KP/DK.GD/09/2020 tanggal 10 September 2020 Commissioners No. KEP-09/KP/DK.GD/09/2020
tentang Piagam Komite Nominasi dan Remunerasi. dated September 10, 2020 concerning Nomination and
Piagam Komite Nominasi dan Remunerasi mengatur Remuneration Committee Charter. The Nomination
antara lain Organisasi, Keanggotaan, Ruang Lingkup, and Remuneration Committee Charter regulates,
Tugas dan Kewenangan, Hubungan dengan pihak-pihak among other things, Organization, Membership, Scope,
terkait, Rapat, Kode Etik, Pelaporan, Penilaian Kinerja, Duties and Authorities, Relations with related parties,
Penghasilan, serta Rencana Kerja dan Anggaran. Meetings, Code of Ethics, Reporting, Performance
Assessment, Income, and Work Plan and Budget.
PT Pegadaian | 2023 Annual Report 501
Page 502
Tata Kelola Perusahaan
Corporate Governance
Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab Komite Nominasi dan The duties and responsibilities of the Nomination and
Remunerasi, adalah sebagai berikut: Remuneration Committee are as follows:
1. Melakukan kajian atas kebijakan pengelolaan 1. Reviewing the Company’s human resource
sumber daya manusia (SDM) Perseroan; management (HR) policies;
2. Memberikan masukan kepada Dewan Komisaris 2. Provide input to the Board of Commissioners
sehubungan dengan kebijakan dan/atau keputusan regarding policies and/or decisions of the Board
Direksi tentang perubahan Susunan Organisasi of Directors regarding changes to Organizational
dan Tata Kelola (SOTK) sampai dengan 1 (satu) Structure and Governance (SOTK) up to 1 (one)
tingkat di bawah Direksi, serta kebijakan Nominasi level below the Board of Directors, as well as
dan Remunerasi; Nomination and Remuneration policies;
3. Mengidentifikasi hal-hal yang memerlukan 3. Identify matters that require the attention of the
perhatian Dewan Komisaris; Board of Commissioners.
4. Melakukan evaluasi terhadap pelaksanaan 4. Evaluate the implementation of assessments
asesmen dari asesor eksternal sesuai peraturan from external assessors in accordance with the
perundangundangan yang berlaku; applicable laws and regulations;
5. Melaksanakan tugas lain yang diberikan oleh 5. Carry out other tasks assigned by the Board of
Dewan Komisaris sepanjang masih dalam lingkup Commissioners as long as they are within the
tugas dan kewajiban Dewan Komisaris berdasarkan scope of duties and obligations of the Board of
ketentuan peraturan perundang-undangan. Commissioners based on statutory provisions.
Komposisi Komite Nominasi dan Composition of the Nomination and
Remunerasi Remuneration Committee
Per Desember 2023, Komite Nominasi dan Remunerasi As of December 2023, the Nomination and
mengalami perubahan komposisi dengan penambahan Remuneration Committee underwent changes in
anggota yaitu Yuni Setyaningsih berdasarkan Surat composition with the addition of a member, namely
Keputusan Nomor: KEP-05/KP/DK.GD/09/2023 Yuni Setyaningsih, based on Decree No: KEP-05/
tanggal 13 September 202Adapun susunan Komite KP/DK.GD/09/2023 dated September 13, 2023. The
Nominasi dan Remunerasi sebagai berikut: composition of the Nomination and Remuneration
Committee is as follows:
Susunan Komite Nominasi dan Remunerasi per 31 Desember 2023
Composition of the Nomination and Remuneration Committee as of December 31, 2023
Nama Jabatan Dasar Pengangkatan Masa Jabatan Periode Jabatan
Name Position Basis of Appointment Term of Office Service Period
Surat Keputusan Dewan Komisaris PT
Pegadaian No. KEP-06/KP/DK.GD/09/2023
tanggal 13 September 2023 tentang Mengikuti masa
Perubahan Anggota Komite Nominasi dan jabatan sebagai Dewan
Ketua Remunerasi PT Pegadaian Komisaris Ke-1
Nezar Patria
Chairman Decree of the Board of Commissioners of PT Following his term of 1st
Pegadaian No. KEP-06/KP/DK.GD/09/2023 office as the Board of
dated September 13, 2023 concerning Commissioners
Changes in Members of the Nomination and
Remuneration Committee of PT Pegadaian
Surat Keputusan Dewan Komisaris PT
Pegadaian No. KEP-06/KP/DK.GD/09/2023
tanggal 13 September 2023 tentang Mengikuti masa
Perubahan Anggota Komite Nominasi dan jabatan sebagai Dewan
Loto Srinaita Anggota Remunerasi PT Pegadaian Komisaris Ke-1
Ginting Member Decree of the Board of Commissioners of PT Following her term of 1st
Pegadaian No. KEP-06/KP/DK.GD/09/2023 office as the Board of
dated September 13, 2023 concerning Commissioners
Changes in Members of the Nomination and
Remuneration Committee of PT Pegadaian
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Page 503
Susunan Komite Nominasi dan Remunerasi per 31 Desember 2023
Composition of the Nomination and Remuneration Committee as of December 31, 2023
Nama Jabatan Dasar Pengangkatan Masa Jabatan Periode Jabatan
Name Position Basis of Appointment Term of Office Service Period
Surat Keputusan Dewan Komisaris PT
Pegadaian No. KEP-06/KP/DK.GD/09/2023
tanggal 13 September 2023 tentang Mengikuti masa
Perubahan Anggota Komite Nominasi dan jabatan sebagai Dewan
Rini Anggota Remunerasi PT Pegadaian Komisaris Ke-1
Widyantini Member Decree of the Board of Commissioners of PT Following her term of 1st
Pegadaian No. KEP-06/KP/DK.GD/09/2023 office as the Board of
dated September 13, 2023 concerning Commissioners
Changes in Members of the Nomination and
Remuneration Committee of PT Pegadaian
Surat Keputusan Dewan Komisaris PT
Pegadaian No. KEP-06/KP/DK.GD/09/2023
tanggal 13 September 2023 tentang
Perubahan Anggota Komite Nominasi dan
Anggota Remunerasi PT Pegadaian 1 April 2019-2024 Ke-2
Arry Ekananta
Member Decree of the Board of Commissioners of PT April 1, 2019 - 2024 2nd
Pegadaian No. KEP-06/KP/DK.GD/09/2023
dated September 13, 2023 concerning
Changes in Members of the Nomination and
Remuneration Committee of PT Pegadaian
Surat Keputusan Dewan Komisaris PT
Pegadaian No. KEP-06/KP/DK.GD/09/2023
tanggal 13 September 2023 tentang
Perubahan Anggota Komite Nominasi dan 13 September 2023-
Yuni Anggota Remunerasi PT Pegadaian 2026 Ke-1
Setyaningsih Member Decree of the Board of Commissioners of PT September 13, 2023 1st
Pegadaian No. KEP-06/KP/DK.GD/09/2023 - 2026
dated September 13, 2023 concerning
Changes in Members of the Nomination and
Remuneration Committee of PT Pegadaian
Nezar Patria
Ketua Komite Nominasi dan Remunerasi /Komisaris Independen
Chairman of the Nomination and Remuneration Committee / Independent Commissioner
Profil Ketua Komite Nominasi dan Remunerasi/Komisaris Independen Nezar Patria dapat dilihat pada bagian Profil Dewan
Komisaris, bab Profil Perusahaan pada Laporan Tahunan ini
The profile of the Chairman of the Nomination and Remuneration Committee/Independent Commissioner Nezar Patria can
be seen in the Board of Commissioners Profile section, Company Profile chapter in this Annual Report.
Loto Srinaita Ginting
Anggota Komite Nominasi dan Remunerasi /Komisaris Utama
Member of the Nomination and Remuneration Committee / President Commissioner
Profil Anggota Komite Nominasi dan Remunerasi/Komisaris Utama Loto Srinaita Ginting dapat dilihat pada bagian Profil
Dewan Komisaris, bab Profil Perusahaan pada Laporan Tahunan ini
The profile of the Nomination and Remuneration Committee Member/President Commissioner Loto Srinaita Ginting can be
seen in the Board of Commissioners Profile section, Company Profile chapter in this Annual Report.
Rini Widyantini
Anggota Komite Nominasi dan Remunerasi /Komisaris
Member of the Nomination and Remuneration Committee/ Commissioner
Profil Anggota Komite Nominasi dan Remunerasi/Komisaris Rini Widyantini dapat dilihat pada bagian Profil Dewan
Komisaris, bab Profil Perusahaan pada Laporan Tahunan ini
The profile of Member of Nomination and Remuneration Committee/ Commissioner Rini Widyantini can be seen in the
Board of Commissioners Profile section, Company Profile chapter in this Annual Report.
PT Pegadaian | 2023 Annual Report 503
Page 504
Tata Kelola Perusahaan
Corporate Governance
Arry Ekananta
Anggota Komite Nominasi dan Remunerasi
Member of the Nomination and Remuneration Committee
Periode Jabatan: 1 April 2022-2024, Periode Kedua
Term of Office: April 1, 2022 - 2024, Second Period
Warga negara Indonesia
Data Pribadi Usia 45 tahun
Personal Data Indonesian Citizen
Age of 45 year old
Domisili
Jakarta Selatan, DKI Jakarta, Indonesia
Domicile
• Doktor, Sekolah Bisnis, Institut Pertanian Bogor (2018)
• Magister Sains, Ilmu Komputer, Institut Pertanian Bogor (2006)
Pendidikan • Sarjana Teknik, Teknik Informatika, Institut Teknologi Bandung (2001)
Education • Doctorate, School of Business, Bogor Agricultural University (2018)
• Master of Science, Computer Science, Bogor Agricultural University (2006)
• Bachelor of Engineering, Informatics Engineering, Bandung Institute of Technology (2001)
• Certified Human Resource Professional (CHRP), Unika Atma Jaya
• General Manager, Manajer, dan Supervisor SDM; Badan Nasional Sertifikasi Profesi (BNSP)
Sertifikasi yang • Group Coaching, Department of Continuing Education University of Oxford
Dimiliki • L1 (Explorer) Points of You®, Points of You Academy
Certifications • Certified Coach Practitioner (CCP), Vanaya Coaching International
Obtained • Certified High Impact Training (CHIT), Cicik Resti Consulting (CRC)
• Certified Master DISC Analyst (CMDISCA), Institute for Motivational Living (IML) USA
• Certified MindMap Practitioner (CMP), Tony Buzan & Prime Education
• Dosen Sekolah Bisnis Institut Pertanian Bogor (2017-Sekarang)
Riwayat Profesi • Head of Operations PT Ananta Auto Andalan (Lexus Mampang Gallery) (2016-2017)
Professional • PT Tunas Ridean, Tbk (Tunas Group) (2011- 2015)
History • PT Arghajata Consulting (Arghajata) (2009-2011), KAP Osman Bing Satrio&Rekan (Deloitte Touche
Tohmatsu) (2008-2009), Dosen Akademi & STMIK Bina Insani (2007-2008).
Rangkap Jabatan
Dosen Sekolah Bisnis Institut Pertanian Bogor (2017-Sekarang)
Concurrent
Lecturer at the Bogor Agricultural University Business School (2017-Present)
Position
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris dan Direksi dan Pemegang Saham
Hubungan Afiliasi
Pengendali.
Affiliate
Has no affiliation with members of the Board of Commissioners and Board of Directors as well as
Relationship
Controlling Shareholders.
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Yuni Setyaningsih
Anggota Komite Nominasi dan Remunerasi
Member of the Nomination and Remuneration Committee
Periode Jabatan: 13 September 2023-2026, Periode Pertama
Term of Office: September 13, 2023-2026, First Period
Warga negara Indonesia
Data Pribadi Usia 46 tahun
Personal Data Indonesian Citizen
Age of 46 year old
Domisili
Jakarta Selatan, DKI Jakarta, Indonesia
Domicile
• Magister Management in General Business, Universitas Gadjah Mada (2003)
• MBA Short Course, University of Kentucky (2002)
Pendidikan • Sarjana Komunikasi, Universitas Gadjah Mada (2000)
Education • Master of Management in General Business from Gadjah Mada University (2003)
• MBA Short Course at University of Kentucky (2002)
• Bachelor of Communication from Gadjah Mada University (2000)
Sertifikasi yang
• Certified HR Manager (2020)
Dimiliki
• Certified Training of Trainers on Productivity (2022)
Certifications
• Certified Assessor of Competency (2022)
Obtained
• Head of HR Consulting, GML Performance Consulting (2018-2019)
• Deputy Branch Manager in Marketing, PT Bank Negara Indonesia (Persero) Tbk (2018)
• AVP Human Capital Policy Development, PT Bank Negara Indonesia (Persero) Tbk (2015-2018)
• Workforce Planning & Assessment Center Gorup Head, PT Bank Negara Indonesia (Persero) Tbk
Riwayat Profesi (2012-2015)
Professional History • MGR Workforce & Strategic Planning, PT Bank Negara Indonesia (Persero) Tbk (2011-2012)
• MGR Human Resources Relationship Manager, PT Bank Negara Indonesia (Persero) Tbk (2009-
2011)
• AMGR Human Resources Policy Department, PT Bank Negara Indonesia (Persero) Tbk (2004-
2009)
Head of Human Resources & Corporate Communications Division, PT PANN Pembiayaan Maritim
Rangkap Jabatan (2019-sekarang)
Concurrent Position Head of Human Resources & Corporate Communications Division at PT PANN Maritime Financing
(2019-present)
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris dan Direksi dan Pemegang
Hubungan Afiliasi Saham Pengendali.
Affiliate Relationship Has no affiliation with members of the Board of Commissioners and Board of Directors as well as
Controlling Shareholders.
PT Pegadaian | 2023 Annual Report 505
Page 506
Tata Kelola Perusahaan
Corporate Governance
Independensi Komite Nominasi dan Independence of the Nomination and
Remunerasi Remuneration Committee
Dalam Piagam Komite Nominasi dan Remunerasi In the Nomination and Remuneration Committee
yang dimiliki Perseroan, diatur mengenai persyaratan Charter owned by the Company, the requirements for
independensi Piagam Komite Nominasi dan the independence of the Nomination and Remuneration
Remunerasi, yaitu: Committee Charter are regulated, namely:
1. Jika ada Anggota Komite Nominasi dan Remunerasi 1. If a Member of the Nomination and Remuneration
yang berasal dari sebuah institusi tertentu, maka Committee comes from a certain institution, then
institusi di mana Anggota Komite Nominasi the institution where the Member of the Nomination
dan Remunerasi tersebut berasal tidak boleh and Remuneration Committee comes from may
memberikan jasa pada BUMN yang bersangkutan. not provide services to the SOE concerned.
2. Tidak memangku jabatan rangkap sebagai 2. Do not hold concurrent positions as administrators
pengurus partai politik dan/atau calon/anggota of political parties and/or candidates/members
legislatif dan/ atau calon kepala daerah/wakil of the legislature and/or candidates for regional
kepala daerah dan jabatan lain sesuai dengan head/deputy regional head and other positions
ketentuan peraturan perundang-undangan yang in accordance with the provisions of laws and
dapat menimbulkan benturan kepentingan. regulations which may cause a conflict of interest.
3. Anggota Komite Nominasi dan Remunerasi yang 3. Members of the Nomination and Remuneration
berasal dari luar Perseroan dilarang mempunyai Committee who come from outside the Company
hubungan keluarga sedarah dan semenda sampai are prohibited from having blood and marital
derajat ketiga, baik menurut garis lurus maupun relations up to the third degree, both in a straight
garis ke samping, dengan Anggota Dewan line and sideways, with Members of the Board
Komisaris dan Anggota Direksi Perseroan. of Commissioners and Members of the Board of
Directors of the Company.
4. Tidak memiliki kepentingan/keterkaitan pribadi 4. Has no personal interests/relationships that can
yang dapat menimbulkan dampak negatif dan have a negative impact and conflict of interest on
benturan kepentingan terhadap Perseroan. the Company.
Independensi Komite Nominasi dan Remunerasi
Independence of the Nomination and Remuneration Committee
Loto Srinaita Rini Arry Yuni
Nezar Patria
Aspek Independensi Ginting Widyantini Ekananta Setyaningsih
(Ketua/
Independence Aspect (Anggota/ (Anggota/ (Anggota/ (Anggota/
Chairman)
Member) Member) Member) Member)
Terdapat institusi dimana anggota
nominasi dan remunerasi tersebut berasal
memberikan jasa pada Perseroan.
There are institutions where members x x x x x
of theNomination and Remuneratiom
Committee come from to provide services
to the Company.
Memangku jabatan rangkap sebagai
pengurus partai politik dan/atau calon/
anggota legislatif dan/atau calon kepala
daerah/wakil kepala daerah dan jabatan
lain sesuai dengan ketentuan peraturan
perundang-undangan yang dapat
menimbulkan benturan kepentingan.
Holding concurrent positions as x x x x x
administrators of political parties and/
or candidates/members of the legislature
and/or candidates for regional head/
deputy regional head and other positions
in accordance with the provisions of
laws and regulations which may cause a
conflict of interest.
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Independensi Komite Nominasi dan Remunerasi
Independence of the Nomination and Remuneration Committee
Loto Srinaita Rini Arry Yuni
Nezar Patria
Aspek Independensi Ginting Widyantini Ekananta Setyaningsih
(Ketua/
Independence Aspect (Anggota/ (Anggota/ (Anggota/ (Anggota/
Chairman)
Member) Member) Member) Member)
Anggota Komite yang berasal dari luar
Perseroan mempunyai hubungan keluarga
sedarah dan semenda sampai derajat
ketiga baik menurut garis lurus maupun
garis ke samping dengan Anggota Dewan
Komisaris, dan Anggota Direksi Perseroan.
Members of the Committee who come x x x x x
from outside the Company have blood
and marital relations to the third degree
both in a straight line and a sideways
line with Members of the Board of
Commissioners and Members of the Board
of Directors of the Company.
Mewakili kepentingan pihak lain yang
mempunyai hubungan usaha dengan
Perseroan antara lain pemasok, pembeli,
kreditur maupun debitur Perseroan.
x x x x x
Representing the interests of other parties
who have business relations with the
Company, including suppliers, buyers,
creditors and debtors of the Company.
v = ada | x = tidak ada
v = exist | x = none
Transparansi Hubungan Afiliasi Komite Nominasi dan Remunerasi
Transparency of Affiliate Relationship of Nomination and Remuneration Committee
Loto Srinaita Rini Arry Yuni
Nezar Patria
Aspek Independensi Ginting Widyantini Ekananta Setyaningsih
(Ketua/
Independence Aspect (Anggota/ (Anggota/ (Anggota/ (Anggota/
Chairman)
Member) Member) Member) Member)
Dengan Anggota Dewan Komisaris
With Members of the Board of x x x x x
Commissioners
Dengan Direksi
x x x x x
With Board of Directors
Dengan Pemegang Saham Utama/
Pengendali dan Pemerintah Indonesia
sebagai Entitas Pemilik Akhir
x x x x x
With Major/Controlling Shareholders
and the Government of Indonesia as the
Ultimate Owner Entity
v = ada | x = tidak ada
v = exist | x = none
PT Pegadaian | 2023 Annual Report 507
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Tata Kelola Perusahaan
Corporate Governance
Transparansi Rangkap Jabatan Komite Nominasi dan Remunerasi
Transparency of the Concurrent Position of the Nomination and Remuneration Committee
Rangkap Jabatan di
Nama Jabatan Pegadaian Rangkap Jabatan di Perseroan/Instansi Lain
Name Position Concurrent Position at Concurrent Position at Other Companies/Institutions
Pegadaian
Wakil Menteri Komunikasi dan Informatika Republik
Komisaris Independen
Ketua Indonesia
Nezar Patria Independent
Chairman Deputy Minister of Communications and Information of
Commissioner
the Republic of Indonesia
Staf Ahli Bidang Keuangan dan Pengembangan UMKM
Komisaris Utama
Anggota Kementerian BUMN
Loto Srinaita Ginting President
Member Expert Staff for Finance and MSME Development at the
Commissioner
Ministry of SOEs
Anggota Komisaris Sekretaris Kementerian PANRB
Rini Widyantini
Member Commissioner Secretary of the Ministry of PANRB
Dosen Sekolah Bisnis Institut Pertanian Bogor
Arry Ekananta Anggota Tidak Ada
Lecturer at the Bogor Agricultural Institute Business
Member None
School
Head of Human Resources & Corporate Communications
Anggota Tidak Ada Division PT Pann Pembiayaan Maritim
Yuni Setyaningsih
Member None Head of Human Resources & Corporate Communications
Division at PT Pann Pembiayaan Maritim
Program Peningkatan Kompetensi Competency Improvement Program
Program peningkatan kompetensi dilakukan oleh The competency improvement program is carried out
Komite Nominasi dan Remunerasi agar senantiasa by the Nomination and Remuneration Committee so
dapat mengikuti informasi tentang perkembangan that they can always follow the latest information on
terkini dari aktivitas usaha Perseroan dan the latest developments in the Company’s business
pengetahuan-pengetahuan lain terkait dengan activities and other knowledge related to the
pelaksanaan tugas Komite Nominasi dan Remunerasi. implementation of the duties of the Nomination and
Kegiatan peningkatan kompetensi yang diikuti oleh Remuneration Committee. Regarding the competency
seluruh anggota Komite Nominasi dan Remunerasi improvement program that the Nomination and
sepanjang tahun 2023 dapat dilihat pada bab Profil Remuneration Committee participated in throughout
Perusahaan dalam Laporan Tahunan ini. 2023 can be seen in the Company Profile chapter in
this Annual Report.
Kebijakan Remunerasi Remuneration Policy
Sesuai dengan Peraturan Menteri BUMN No. PER- In accordance with Regulation of Minister of SOEs
06/MBU/04/2021 tentang Perubahan atas Peraturan No. PER-3/MBU/03/2023 concerning Organs and
Menteri Badan Usaha Milik Negara No. PER-12/ Human Resources of State-Owned Enterprises, the
MBU/2012 tentang Organ Pendukung Dewan income of Committee Members is determined by the
Komisaris/Dewan Pengawasan Badan Usaha Milik Board of Commissioners by taking into account the
Negara, penghasilan Anggota Komite ditetapkan oleh Company’s capabilities. The income of members of
Dewan Komisaris dengan Memperhatikan kemampuan the Audit Committee, Nomination and Remuneration
Perusahaan. Penghasilan Anggota Komite Audit, Committee, and Risk Monitoring Committee consists
Komite Nominasi dan Remunerasi, dan Komite of honorarium with a maximum of 20% (twenty
Pemantau Risiko terdiri dari honorarium dengan percent) of the salary of the President Director of the
maksimal sebesar 20% (dua puluh persen) dari gaji Company, medical facilities in the form of inpatient,
Direktur Utama Perusahaan, fasilitas kesehatan berupa outpatient, and medicines for those concerned, does
rawat inap, rawat jalan, dan obat-obatan bagi yang not include family and holiday allowances which are
bersangkutan, tidak termasuk keluarga dan tunjangan paid once a year in the amount of 1 (one) times the
hari raya yang dibayarkan sekali dalam 1 (satu) tahun honorarium.
sebesar 1 (satu) kali honorarium.
508 Laporan Tahunan 2023 | PT Pegadaian
Page 509
Anggota Dewan Komisaris yang menjadi Ketua/ Members of the Board of Commissioners who are
Anggota Komite Audit, Komite Nominasi dan Chair/ Members of the Audit Committee, Nomination
Remunerasi, dan Komite Pemantau Risiko tidak and Remuneration Committee, and Risk Monitoring
diberikan penghasilan tambahan dari jabatan tersebut Committee are not given additional income from
selain penghasilan sebagai anggota Dewan Komisaris. these positions other than income as members of the
Board of Commissioners.
Kebijakan remunerasi bagi Komite Audit, Komite The remuneration policy for the Audit Committee,
Nominasi dan Remunerasi, dan Komite Pemantau Risiko Nomination and Remuneration Committee, and
yang bukan merupakan anggota Dewan Komisaris Risk Monitoring Committee who are not members
telah diatur berdasarkan Surat Dewan Komisaris No. of the Board of Commissioners has been regulated
S-51/DK.GD/10/2021 tanggal 29 Oktober 2021 perihal based on Decree of the Board of Commissioners
Tunjangan dan Fasilitas Organ Dewan Komisaris PT No. S-41/DK.GD/09/2022 dated September 19, 2022
Pegadaian dan Surat Dewan Komisaris No. S-41/ concerning Allowances and Facilities for the Organs
DK.GD/09/2022 tanggal 19 September 2022 perihal of the Board of Commissioners of PT Pegadaian and
Tunjangan dan Fasilitas Organ Dewan Komisaris PT Decree of the Board of Commissioners No. S-44/
Pegadaian, dengan rincian sebagai berikut: DK.GD/11/2023 dated November 8, 2023 concerning
Honorarium, Allowances and Organ Facilities for the
Board of Commissioners of PT Pegadaian, with the
following details:
Remunerasi Komite Nominasi dan Remunerasi Tahun 2023
Remuneration of the Nomination and Remuneration Committee in 2023
Komite Nominasi dan Remunerasi*
Bulan Uraian Nomination and Remuneration Committee*
Month Description
Arry Ekananta Yuni Setyaningsih**
Januari 2023 Honorarium 30.100.000 -
Februari 2023 Honorarium 30.100.000 -
Maret 2023 Honorarium 30.100.000 -
April 2023 THR 30.100.000 -
April 2023 Honorarium 30.100.000 -
Mei 2023 Honorarium 30.100.000 -
Juni 2023 Honorarium 30.100.000 -
Juli 2023 Honorarium 35.000.000 -
Agustus 2023 Honorarium 35.000.000 -
September 2023 Honorarium 35.000.000 21.000.000
Oktober 2023 Honorarium 35.000.000 35.000.000
November 2023 Honorarium 35.000.000 35.000.000
Desember 2023 Honorarium 35.000.000 35.000.000
JUMLAH
420.700.000 126.000.000
TOTAL
*) Anggota Komite Nominasi dan Remunerasi Independen-Non Komisaris
**) Baru menjabat per 13 September 2023
*) Independent Nomination and Remuneration Committee Member-Non-Commissioner
**) Newly appointed as of September 13, 2023
PT Pegadaian | 2023 Annual Report 509
Page 510
Tata Kelola Perusahaan
Corporate Governance
Rapat Komite Nominasi dan Remunerasi Meeting of the Nomination and
Remuneration Committee
Rapat Komite Nominasi dan Remunerasi dilakukan Nomination and Remuneration Committee meetings
sekurang-kurangnya 1 (satu) kali dalam sebulan sesuai are held at least 1 (one) time a month as regulated in
yang diatur dalam Piagam Komite Nominasi dan the Nomination and Remuneration Committee Charter.
Remunerasi. Selama tahun 2023, Komite Nominasi During 2023, the Nomination and Remuneration
dan Remunerasi telah melaksanakan rapat sebanyak Committee held 49 meetings, including 14 meetings
49 kali rapat, meliputi 14 kali rapat dengan Dewan with the Board of Commissioners, 16 meetings between
Komisaris, 16 kali rapat antara Dewan Komisaris, the Board of Commissioners, Committees and Board
Komite dan Direksi, serta 19 kali rapat Komite dengan of Directors, as well as 19 Committee meetings inviting
mengundang Direktorat serta Divisi terkait. related Directorates and Divisions.
Rapat Komite Nominasi dan Remunerasi, Komite Meetings of the Nomination and Remuneration
Audit dan Komite Pemantau Risiko dengan Dewan Committee, Audit Committee and Risk Monitoring
Komisaris dapat diikuti dalam bab rapat internal Committee with the Board of Commissioners can
Dewan Komisaris. Adapun rapat Komite Nominasi dan be followed in the chapter on internal meetings of
Remunerasi, Komite Audit dan Komite Pemantau Risiko the Board of Commissioners. The meetings of the
dengan Direktorat serta Divisi terkait sebagaimana Nomination and Remuneration Committee, Audit
tabel rapat Komite Audit dengan Divisi terkait di atas Committee and Risk Monitoring Committee with
sebagai berikut: related Directorates and Divisions are as follows:
Tabel Rapat Koordinasi yang Dihadiri oleh Dewan Komisaris
Table of Coordination Meetings Attended by the Board of Commissioners
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
1. 11 Januari 2023 Pembahasan Update Usulan Rencana 1. Dewan Komisaris
January 11, 2023 Kerja dan Anggaran Perusahaan (RKAP) 2. Direktur Keuangan dan Manajemen Risiko
Tahun 2023 (Final) dan Perkembangan 3. Komite Audit
Penyusunan Rencana Jangka Panjang
4. Komite Pemantau Risiko
Perusahaan (RJPP) PT Pegadaian
Discussion of Update on Proposed 5. Komite Nominasi dan Remunerasi
Company Work Plan and Budget (RKAP) 1. Board of Commissioners
for 2023 (Final) and Progress in Preparing 2. Director of Finance and Risk
PT Pegadaian's Long Term Company Plan Management
(RJPP)
3. Audit Committee
4. Risk Monitoring Committee
5. Nomination and Remuneration
Committee
2. 13 Januari 2023 Perkenalan Dewan Komisaris PT 1. Dewan Komisaris
January 13, 2023 Pegadaian dengan: 2. Direktur Human Capital, Legal, dan
• Calon Anggota Direksi PT Pegadaian Compliance
Galeri Dua Empat, dan 3. Komite Nominasi dan Remunerasi
• Calon Anggota Direksi PT Pesonna 4. Komite Audit
Indonesia Jaya 5. Komite Pemantau Risiko
Introduction of the Board of 6. Sdri. Endah Susiani sebagai Calon
Commissioners of PT Pegadaian with:
Direktur PT Pegadaian Galeri Dua Empat
• Candidate Member of the Board of
7. Sdr. Muhammad Nurkasan sebagai Calon
Directors of PT Pegadaian Galeri Dua
Direktur PT Pesonna Indonesia Jaya
Empat, and
1. Board of Commissioners
• Candidate for Member of the Board
2. Director of Human Capital, Legal and
of Directors of PT Pesonna Indonesia
Compliance
Jaya
3. Nomination and Remuneration
Committee
4. Audit Committee
5. Risk Monitoring Committee
6. Endah Susiani as Candidate for Director
of PT Pegadaian Galeri Dua Empat
7. Muhammad Nurkasan as Candidate for
Director of PT Pesonna Indonesia Jaya
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Tabel Rapat Koordinasi yang Dihadiri oleh Dewan Komisaris
Table of Coordination Meetings Attended by the Board of Commissioners
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
3. 2 Februari 2023 Pembahasan Update Kegiatan 1. Dewan Komisaris
February 2, 2023 Standarisasi Outlet, Pembangunan 2. Direksi
Pegadaian Tower dan Implementasi P3DN 3. Komite Audit
termasuk Tindak Lanjut Hasil Review
4. Komite Pemantau Risiko
BPKP
Discussion of Update on Outlet 5. Komite Nominasi dan Remunerasi
Standardization Activities, Pegadaian 1. Board of Commissioners
Tower Construction and P3DN 2. Board of Directors
Implementation including Follow-up to 3. Audit Committee
BPKP Review Result
4. Risk Monitoring Committee
5. Nomination and Remuneration
Committee
4. 6 Juni 2023 Pembahasan Pengembangan Karier 1. Dewan Komisaris
June 6, 2023 (Carrier Path) Karyawan PT Pegadaian 2. Direktur Human Capital, Legal dan
Discussion of Career Development (Career Compliance
Path) for PT Pegadaian Employees
3. Komite Nominasi dan Remunerasi
4. Komite Audit
5. Komite Pemantau Risiko
1. Board of Commissioners
2. Director of Human Capital, Legal and
Compliance
3. Nomination and Remuneration
Committee
4. Audit Committee
5. Risk Monitoring Committee
5. 13 Juni 2023 Pembahasan Kesiapan Keamanan Sistem 1. Dewan Komisaris
June 13, 2023 IT PT Pegadaian dan Progres Aplikasi 2. Direktur Teknologi Informasi dan Digital
Neo4G 3. Komite Audit
Discussion of PT Pegadaian's IT
4. Komite Pemantau Risiko
System Security Readiness and Neo4G
Application Progress 5. Komite Nominasi dan Remunerasi
1. Board of Commissioners
2. Director of Information Technology and
Digital
3. Audit Committee
4. Risk Monitoring Committee
5. Nomination and Remuneration
Committee
6. 2 Agustus 2023 Pembahasan Permohonan 1. Dewan Komisaris
August 2, 2023 Penandatanganan Dokumen Sehubungan 2. Direktur Keuangan dan Perencanaan
dengan Proses Penerbitan Obligasi dan Strategis
Sukuk PT Pegadaian
3. Komite Audit
Discussion of Document Signing Request
in Connection with the Issuance Process 4. Komite Pemantau Risiko
of PT Pegadaian Bonds and Sukuk 5. Komite Nominasi dan Remunerasi
1. Board of Commissioners
2. Director of Finance and Strategic
Planning
3. Audit Committee
4. Risk Monitoring Committee
5. Nomination and Remuneration
Committee
PT Pegadaian | 2023 Annual Report 511
Page 512
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Dihadiri oleh Dewan Komisaris
Table of Coordination Meetings Attended by the Board of Commissioners
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
7. 14 Agustus 2023 Pembahasan Pedoman Penerapan 1. Dewan Komisaris
August 14, 2023 Program Anti Pencucian Uang, 2. Direktur Manajemen Risiko, Legal dan
Pencegahan Pendanaan Terorisme, Kepatuhan
dan Pencegahan Pendanaan Proliferasi
3. Komite Pemantau Risiko
Senjata Pemusnah Massal (APU, PPT dan
PPPSPM) 4. Komite Audit
Discussion of Guidelines for Implementing 5. Komite Nominasi dan Remunerasi
Anti-Money Laundering Program, 1. Board of Commissioners
Prevention of Terrorism Financing, and 2. Director of Risk Management, Legal and
Prevention of Funding for the Proliferation
Compliance
of Weapons of Mass Destruction (APU,
PPT and PPPSPM) 3. Risk Monitoring Committee
4. Audit Committee
5. Nomination and Remuneration
Committee
8. 7 September 2023 Pembahasan Progres Belanja Modal Tahun 1. Dewan Komisaris
September 7, 2023 2023 dan Rencana Belanja Modal Tahun 2. Direktur Umum
2024 3. Direktur Teknologi Informasi dan Digital
Discussion of 2023 Capital Expenditure
4. Direktur Jaringan, Operasi dan Penjualan
Progress and 2024 Capital Expenditure
Plan 5. Komite Audit
6. Komite Pemantau Risiko
7. Komite Nominasi dan Remunerasi
1. Board of Commissioners
2. Director of General Affairs
3. Director of Information Technology and
Digital
4. Director of Network, Operations and
Sales
5. Audit Committee
6. Risk Monitoring Committee
7. Nomination and Remuneration
Committee
9. 26 Oktober 2023 Perkenalan Dewan Komisaris PT 1. Dewan Komisaris
October 26, 2023 Pegadaian dengan: 2. Direktur Human Capital
• Calon Anggota Dewan Komisaris 3. Komite Nominasi dan Remunerasi
(Komisaris Independen) PT Pesonna 4. Komite Pemantau Risiko
Indonesia Jaya 5. Sdr. Agus Suharyono sebagai Calon
• Calon Anggota Direksi (Direktur) PT Anggota Dewan Komisaris (Komisaris
Pesonna Indonesia Jaya Independen) PT Pesonna Indonesia Jaya
• Calon Staf Komite Pemantau Risiko PT 6. Sdr. Muharam Yudyarto sebagai Calon
Pegadaian Anggota Direksi (Direktur) PT Pesonna
• Dan hal-hal strategis lainnya. Indonesia Jaya
Introduction of the Board of 1. Board of Commissioners
Commissioners of PT Pegadaian with:
2. Director of Human Capital
• Candidate Member of the Board
3. Nomination and Remuneration
of Commissioners (Independent
Committee
Commissioner) of PT Pesonna
4. Risk Monitoring Committee
Indonesia Jaya
5. Agus Suharyono as Candidate for
• Candidate Member of the Board of
Member of the Board of Commissioners
Directors (Director) of PT Pesonna
(Independent Commissioner) of PT
Indonesia Jaya
Pesonna Indonesia Jaya
• Candidate for PT Pegadaian’s Risk
6. Muharam Yudyarto as Candidate for
Monitoring Committee Staff
Member of the Board of Directors
• And other strategic things.
(Director) of PT Pesonna Indonesia Jaya
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Tabel Rapat Koordinasi yang Dihadiri oleh Dewan Komisaris
Table of Coordination Meetings Attended by the Board of Commissioners
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
10. 7 November 2023 Pembahasan Pedoman Penanganan 1. Dewan Komisaris
November 7, 2023 Benturan Kepentingan PT Pegadaian 2. Direktur Manajemen Risiko, Legal dan
Discussion of PT Pegadaian's Guidelines Kepatuhan
for Handling Conflicts of Interest
3. Komite Pemantau Risiko
4. Komite Audit
5. Komite Nominasi dan Remunerasi
1. Board of Commissioners
2. Director of Risk Management, Legal and
Compliance
3. Risk Monitoring Committee
4. Audit Committee
5. Nomination and Remuneration
Committee
11. 9 November 2023 Pembahasan Badan Hukum Terafiliasi 1. Dewan Komisaris
November 9, 2023 PT Pegadaian (Dana Pensiun Pegadaian 2. Direksi
dan Yayasan Kesejahteraan Pegadaian 3. Pengurus dan Pengawas Dana Pensiun
Permata) serta Rencana Strategis
Pegadaian dan Yayasan Kesejahteraan
Pengembangan PT Pesonna Indonesia
Jaya (PIJ) Pegadaian Permata
Discussion of PT Pegadaian Affiliated 4. Komite Audit
Legal Entities (Pegadaian Pension 5. Komite Pemantau Risiko
Fund and Pegadaian Permata Welfare 6. Komite Nominasi dan Remunerasi
Foundation) as well as PT Pesonna
1. Board of Commissioners
Indonesia Jaya (PIJ) Strategic
Development Plan 2. Board of Directors
3. Management and Supervisor of the
Pegadaian Pension Fund and the
Pegadaian Permata Welfare Foundation
4. Audit Committee
5. Risk Monitoring Committee
6. Nomination and Remuneration
Committee
12. 10 November 2023 Perkenalan Dewan Komisaris PT Dewan Komisaris
November 10, 2023 Pegadaian dengan: Direktur Human Capital
• Calon Anggota Dewan Komisaris Komite Nominasi dan Remunerasi
(Komisaris Independen) PT Pesonna Sdr. Agus Suharyono sebagai Calon Anggota
Dewan Komisaris (Komisaris Independen)
Indonesia Jaya
PT Pesonna Indonesia Jaya
• Calon Anggota Direksi (Direktur) PT Sdr. Muharam Yudyarto sebagai Calon
Pesonna Indonesia Jaya Anggota Direksi (Direktur) PT Pesonna
Introduction of the Board of Indonesia Jaya
Commissioners of PT Pegadaian with: Board of Commissioners
• Candidate Member of the Board Director of Human Capital
of Commissioners (Independent Nomination and Remuneration Committee
Agus Suharyono as Candidate for
Commissioner) of PT Pesonna
Member of the Board of Commissioners
Indonesia Jaya (Independent Commissioner) of PT Pesonna
• Candidate Member of the Board of Indonesia Jaya
Directors (Director) of PT Pesonna Muharam Yudyarto as Candidate for Member
Indonesia Jaya of the Board of Directors (Director) of PT
Pesonna Indonesia Jaya
13. 21 November 2023 Perkenalan Dewan Komisaris dengan 1. Dewan Komisaris
November 21, 2023 Calon Sekretaris Perusahaan PT 2. Sdr. Zulfan Adam sebagai Calon
Pegadaian Sekretaris Perusahaan PT Pegadaian
Introduction of the Board of
3. Komite Audit
Commissioners with the Candidate for PT
Pegadaian’s Corporate Secretary 4. Komite Pemantau Risiko
5. Komite Nominasi dan Remunerasi
1. Board of Commissioners
2. Zulfan Adam as Candidate for Corporate
Secretary of PT Pegadaian
3. Audit Committee
4. Risk Monitoring Committee
5. Nomination and Remuneration
Committee
PT Pegadaian | 2023 Annual Report 513
Page 514
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Dihadiri oleh Dewan Komisaris
Table of Coordination Meetings Attended by the Board of Commissioners
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
14. 21 November 2023 Pembahasan Lanjutan terkait Draft 1. Dewan Komisaris
November 21, 2023 Pedoman Penanganan Benturan 2. Direktur Manajemen Risiko, Legal dan
Kepentingan PT Pegadaian Kepatuhan
Extended discussion regarding the Draft
3. Komite Pemantau Risiko
Guidelines for Handling Conflicts of
Interest of PT Pegadaian 4. Komite Audit
5. Komite Nominasi dan Remunerasi
1. Board of Commissioners
2. Director of Risk Management, Legal and
Compliance
3. Risk Monitoring Committee
4. Audit Committee
5. Nomination and Remuneration
Committee
15. 22 November 2023 Pembahasan Kinerja Transformation 1. Dewan Komisaris
November 22, 2023 Office, Mekanisme Proses Produk Baru 2. Direktur Manajemen Risiko, Legal dan
serta Evaluasinya, dan Penerapan Budaya Kepatuhan
Kerja
3. SEVP Transformation Office
Discussion of Transformation Office
Performance, New Product Process 4. Kepala Satuan Pengawasan Intern
Mechanism and Evaluation, and 5. Komite Pemantau Risiko
Implementation of Work Culture 6. Komite Audit
7. Komite Nominasi dan Remunerasi
1. Board of Commissioners
2. Director of Risk Management, Legal and
Compliance
3. SEVP Transformation Office
4. Head of Internal Audit Unit
5. Risk Monitoring Committee
6. Audit Committee
7. Nomination and Remuneration
Committee
16. 13 Desember 2023 Pembahasan Update Progress Project 1. Dewan Komisaris
December 13, 2023 Interconnected Human Capital 2. Direktur Human Capital
Management (IHCM) 3. Komite Pemantau Risiko
Discussion of Interconnected Human
4. Komite Audit
Capital Management (IHCM) Project
Progress Update 5. Komite Nominasi dan Remunerasi
1. Board of Commissioners
2. Director of Human Capital
3. Risk Monitoring Committee
4. Audit Committee
5. Nomination and Remuneration
Committee
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meeting where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
13 Januari 2023 Pembahasan Program Kerja Pemeriksaan 1. Kepala Satuan Pengawasan Intern
January 13, 2023 Tahunan SPI PT Pegadaian Tahun 2023 2. Komite Audit
Discussion of PT Pegadaian's 2023 SPI 3. Komite Pemantau Risiko
Annual Inspection Work Program 4. Komite Nominasi dan Remunerasi
1. Head of Internal Audit Unit
2. Audit Committee
3. Risk Monitoring Committee
4. Nomination and Remuneration
Committee
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Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meeting where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
18 Januari 2023 1. Pembahasan Kinerja Perusahaan s.d. 1. SEVP Manajemen Risiko
January 18, 2023 bulan Desember 2022; 2. SEVP Satuan Pengawasan Intern
2. Pembahasan Profil Risiko bulan 3. SEVP Transformation Office
Desember 2022; 4. Kepala Divisi Manajemen Kinerja
3. Pembahasan Hasil Audit SPI s.d. bulan Perusahaan
Desember 2022; 5. Kepala Divisi Akuntansi
4. Pembahasan Kinerja Sumber Daya 6. Kepala Divisi Perencanaan Strategis
Manusia s.d. bulan Desember 2022. 7. Kepala Divisi Tresuri
1. Discussion of Company Performance 8. Kepala Divisi Manajemen Risiko, Operasi
as of December 2022; dan Korporasi
2. Discussion of Risk Profile for December 9. Kepala Divisi Risiko Kredit & Asuransi
2022; 10. Kepala Divisi Strategi Human Capital
3. Discussion of SPI Audit Results as of 11. Kepala Divisi Budaya Kerja
December 2022; 12. Kepala Divisi Operasional Human Capital
4. Discussion of Human Resources 13. Kepala Divisi Pegadaian Corporate
Performance as of December 2022. University
14. Kepala Divisi Kepatuhan
15. Kepala Divisi Penjualan
16. Kepala Divisi Hubungan Kelembagaan
17. Kepala Divisi Produk Gadai
18. Kepala Divisi Unit Usaha Syariah
19. Kepala Divisi Pemasaran
20. Kepala Divisi Produk Mikro Fidusia
21. Kepala Divisi Produk Emas
22. Kepala Divisi Jaringan dan Operasional
23. Kepala Divisi Manajemen Aset Tetap
24. Komite Audit
25. Komite Pemantau Risiko
26. Komite Nominasi dan Remunerasi
1. SEVP Risk Management
2. SEVP Internal Audit Unit
3. SEVP Transformation Office
4. Head of Company Performance
Management Division
5. Head of Accounting Division
6. Head of Strategic Planning Division
7. Head of Treasury Division
8. Head of Risk Management, Operations
and Corporate Division
9. Head of Credit Risk & Insurance Division
10. Head of Human Capital Strategy Division
11. Head of Work Culture Division
12. Head of Human Capital Operations
Division
13. Head of Pegadaian Corporate University
Division
14. Head of Compliance Division
15. Head of Sales Division
16. Head of Institutional Relations Division
17. Head of Pawn Products Division
18. Head of Sharia Business Unit Division
19. Head of Marketing Division
20. Head of Micro Fiduciary Products
Division
21. Head of Gold Products Division
22. Head of Network and Operations
Division
23. Head of Fixed Asset Management
Division
24. Audit Committee
25. Risk Monitoring Committee
26. Nomination and Remuneration
Committee
PT Pegadaian | 2023 Annual Report 515
Page 516
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meeting where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
20 Februari 2023 1. Pembahasan Kinerja Perusahaan s.d. 1. SEVP Manajemen Risiko
February 20, 2023 bulan Januari 2023; 2. SEVP Satuan Pengawasan Intern
2. Pembahasan Profil Risiko bulan Januari 3. SEVP Transformation Office
2023; 4. Kepala Divisi Manajemen Kinerja
3. Pembahasan Hasil Audit SPI s.d. bulan Perusahaan
Januari 2023; 5. Kepala Divisi Akuntansi
4. Pembahasan Kinerja Sumber Daya 6. Kepala Divisi Perencanaan Strategis
Manusia s.d. bulan Januari 2023. 7. Kepala Divisi Tresuri
1. Discussion of Company Performance 8. Kepala Divisi Manajemen Risiko, Operasi
as of January 2023; dan Korporasi
2. Discussion of Risk Profile for January 9. Kepala Divisi Risiko Kredit & Asuransi
2023; 10. Kepala Divisi Strategi Human Capital
3. Discussion of SPI Audit Results as of 11. Kepala Divisi Budaya Kerja
January 2023; 12. Kepala Divisi Operasional Human Capital
4. Discussion of Human Resources 13. Kepala Divisi Pegadaian Corporate
Performance as of January 2023. University
14. Kepala Divisi Kepatuhan
15. Kepala Divisi Penjualan
16. Kepala Divisi Hubungan Kelembagaan
17. Kepala Divisi Produk Gadai
18. Kepala Divisi Unit Usaha Syariah
19. Kepala Divisi Pemasaran
20. Kepala Divisi Produk Mikro Fidusia
21. Kepala Divisi Produk Emas
22. Kepala Divisi Jaringan dan Operasional
23. Kepala Divisi Manajemen Aset Tetap
24. Komite Audit
25. Komite Pemantau Risiko
26. Komite Nominasi dan Remunerasi
1. SEVP Risk Management
2. SEVP Internal Audit Unit
3. SEVP Transformation Office
4. Head of Company Performance
Management Division
5. Head of Accounting Division
6. Head of Strategic Planning Division
7. Head of Treasury Division
8. Head of Risk Management, Operations
and Corporate Division
9. Head of Credit Risk & Insurance Division
10. Head of Human Capital Strategy Division
11. Head of Work Culture Division
12. Head of Human Capital Operations
Division
13. Head of Pegadaian Corporate University
Division
14. Head of Compliance Division
15. Head of Sales Division
16. Head of Institutional Relations Division
17. Head of Pawn Products Division
18. Head of Sharia Business Unit Division
19. Head of Marketing Division
20. Head of Micro Fiduciary Products
Division
21. Head of Gold Products Division
22. Head of Network and Operations
Division
23. Head of Fixed Asset Management
Division
24. Audit Committee
25. Risk Monitoring Committee
26. Nomination and Remuneration
Committee
516 Laporan Tahunan 2023 | PT Pegadaian
Page 517
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meeting where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
4. 21 Maret 2023 1. Pembahasan Kinerja Perusahaan s.d. 1. SEVP Manajemen Risiko
March 21, 2023 bulan Februari 2023; 2. SEVP Satuan Pengawasan Intern
2. Pembahasan Profil Risiko bulan 3. SEVP Transformation Office
Februari 2023; 4. Kepala Divisi Manajemen Kinerja
3. Pembahasan Hasil Audit SPI s.d. bulan Perusahaan
Februari 2023; 5. Kepala Divisi Akuntansi
4. Pembahasan Kinerja Sumber Daya 6. Kepala Divisi Perencanaan Strategis
Manusia s.d. bulan Februari 2023. 7. Kepala Divisi Tresuri
1. Discussion of Company Performance 8. Kepala Divisi Manajemen Risiko, Operasi
as of February 2023; dan Korporasi
2. Discussion of Risk Profile for February 9. Kepala Divisi Risiko Kredit & Asuransi
2023; 10. Kepala Divisi Strategi Human Capital
3. Discussion of SPI Audit Results as of 11. Kepala Divisi Budaya Kerja
February 2023; 12. Kepala Divisi Operasional Human Capital
4. Discussion of Human Resources 13. Kepala Divisi Pegadaian Corporate
Performance as of February 2023. University
14. Kepala Divisi Kepatuhan
15. Kepala Divisi Penjualan
16. Kepala Divisi Hubungan Kelembagaan
17. Kepala Divisi Produk Gadai
18. Kepala Divisi Unit Usaha Syariah
19. Kepala Divisi Pemasaran
20. Kepala Divisi Produk Mikro Fidusia
21. Kepala Divisi Produk Emas
22. Kepala Divisi Jaringan dan Operasional
23. Kepala Divisi Manajemen Aset Tetap
24. Komite Audit
25. Komite Pemantau Risiko
26. Komite Nominasi dan Remunerasi
1. SEVP Risk Management
2. SEVP Internal Audit Unit
3. SEVP Transformation Office
4. Head of Company Performance
Management Division
5. Head of Accounting Division
6. Head of Strategic Planning Division
7. Head of Treasury Division
8. Head of Risk Management, Operations
and Corporate Division
9. Head of Credit Risk & Insurance Division
10. Head of Human Capital Strategy Division
11. Head of Work Culture Division
12. Head of Human Capital Operations
Division
13. Head of Pegadaian Corporate University
Division
14. Head of Compliance Division
15. Head of Sales Division
16. Head of Institutional Relations Division
17. Head of Pawn Products Division
18. Head of Sharia Business Unit Division
19. Head of Marketing Division
20. Head of Micro Fiduciary Products
Division
21. Head of Gold Products Division
22. Head of Network and Operations
Division
23. Head of Fixed Asset Management
Division
24. Audit Committee
25. Risk Monitoring Committee
26. Nomination and Remuneration
Committee
PT Pegadaian | 2023 Annual Report 517
Page 518
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meeting where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
5. 17 April 2023 1. Pembahasan Kinerja Perusahaan s.d. 1. SEVP Manajemen Risiko
April 17, 2023 bulan Maret 2023; 2. SEVP Satuan Pengawasan Intern
2. Pembahasan Profil Risiko bulan Maret 3. SEVP Transformation Office
2023; 4. Kepala Divisi Manajemen Kinerja
3. Pembahasan Hasil Audit SPI s.d. bulan Perusahaan
Maret 2023; 5. Kepala Divisi Akuntansi
4. Pembahasan Kinerja Sumber Daya 6. Kepala Divisi Perencanaan Strategis
Manusia s.d. bulan Maret 2023. 7. Kepala Divisi Tresuri
1. Discussion of Company Performance 8. Kepala Divisi Manajemen Risiko, Operasi
as of March 2023; dan Korporasi
2. Discussion of Risk Profile for March 9. Kepala Divisi Risiko Kredit & Asuransi
2023; 10. Kepala Divisi Strategi Human Capital
3. Discussion of SPI Audit Results as of 11. Kepala Divisi Budaya Kerja
March 2023; 12. Kepala Divisi Operasional Human Capital
4. Discussion of Human Resources 13. Kepala Divisi Pegadaian Corporate
Performance as of March 2023. University
14. Kepala Divisi Kepatuhan
15. Kepala Divisi Penjualan
16. Kepala Divisi Hubungan Kelembagaan
17. Kepala Divisi Produk Gadai
18. Kepala Divisi Unit Usaha Syariah
19. Kepala Divisi Pemasaran
20. Kepala Divisi Produk Mikro Fidusia
21. Kepala Divisi Produk Emas
22. Kepala Divisi Jaringan dan Operasional
23. Kepala Divisi Manajemen Aset Tetap
24. Komite Audit
25. Komite Pemantau Risiko
26. Komite Nominasi dan Remunerasi
1. SEVP Risk Management
2. SEVP Internal Audit Unit
3. SEVP Transformation Office
4. Head of Company Performance
Management Division
5. Head of Accounting Division
6. Head of Strategic Planning Division
7. Head of Treasury Division
8. Head of Risk Management, Operations
and Corporate Division
9. Head of Credit Risk & Insurance Division
10. Head of Human Capital Strategy Division
11. Head of Work Culture Division
12. Head of Human Capital Operations
Division
13. Head of Pegadaian Corporate University
Division
14. Head of Compliance Division
15. Head of Sales Division
16. Head of Institutional Relations Division
17. Head of Pawn Products Division
18. Head of Sharia Business Unit Division
19. Head of Marketing Division
20. Head of Micro Fiduciary Products
Division
21. Head of Gold Products Division
22. Head of Network and Operations
Division
23. Head of Fixed Asset Management
Division
24. Audit Committee
25. Risk Monitoring Committee
26. Nomination and Remuneration
Committee
518 Laporan Tahunan 2023 | PT Pegadaian
Page 519
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meeting where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
6. 17 Mei 2023 1. Pembahasan Kinerja Perusahaan s.d. 1. SEVP Manajemen Risiko
May 17, 2023 bulan April 2023; 2. SEVP Satuan Pengawasan Intern
2. Pembahasan Profil Risiko bulan April 3. SEVP Transformation Office
2023; 4. Kepala Divisi Manajemen Kinerja
3. Pembahasan Hasil Audit SPI s.d. bulan Perusahaan
April 2023; 5. Kepala Divisi Akuntansi
4. Pembahasan Kinerja Sumber Daya 6. Kepala Divisi Perencanaan Strategis
Manusia s.d. bulan April 2023. 7. Kepala Divisi Tresuri
1. Discussion of Company Performance 8. Kepala Divisi Manajemen Risiko, Operasi
as of April 2023; dan Korporasi
2. Discussion of Risk Profile for April 9. Kepala Divisi Risiko Kredit & Asuransi
2023; 10. Kepala Divisi Strategi Human Capital
3. Discussion of SPI Audit Result as of 11. Kepala Divisi Budaya Kerja
April 2023; 12. Kepala Divisi Operasional Human Capital
4. Discussion of Human Resources 13. Kepala Divisi Pegadaian Corporate
Performance as of April 2023. University
14. Kepala Divisi Kepatuhan
15. Kepala Divisi Penjualan
16. Kepala Divisi Hubungan Kelembagaan
17. Kepala Divisi Produk Gadai
18. Kepala Divisi Unit Usaha Syariah
19. Kepala Divisi Pemasaran
20. Kepala Divisi Produk Mikro Fidusia
21. Kepala Divisi Produk Emas
22. Kepala Divisi Jaringan dan Operasional
23. Kepala Divisi Manajemen Aset Tetap
24. Komite Audit
25. Komite Pemantau Risiko
26. Komite Nominasi dan Remunerasi
1. SEVP Risk Management
2. SEVP Internal Audit Unit
3. SEVP Transformation Office
4. Head of Company Performance
Management Division
5. Head of Accounting Division
6. Head of Strategic Planning Division
7. Head of Treasury Division
8. Head of Risk Management, Operations
and Corporate Division
9. Head of Credit Risk & Insurance Division
10. Head of Human Capital Strategy Division
11. Head of Work Culture Division
12. Head of Human Capital Operations
Division
13. Head of Pegadaian Corporate University
Division
14. Head of Compliance Division
15. Head of Sales Division
16. Head of Institutional Relations Division
17. Head of Pawn Products Division
18. Head of Sharia Business Unit Division
19. Head of Marketing Division
20. Head of Micro Fiduciary Products
Division
21. Head of Gold Products Division
22. Head of Network and Operations
Division
23. Head of Fixed Asset Management
Division
24. Audit Committee
25. Risk Monitoring Committee
26. Nomination and Remuneration
Committee
PT Pegadaian | 2023 Annual Report 519
Page 520
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meeting where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
7. 20 Juni 2023 1. Pembahasan Kinerja Perusahaan s.d. 1. SEVP Manajemen Risiko
June 20, 2023 bulan Mei 2023; 2. SEVP Satuan Pengawasan Intern
2. Pembahasan Profil Risiko bulan Mei 3. SEVP Transformation Office
2023; 4. Kepala Divisi Manajemen Kinerja
3. Pembahasan Hasil Audit SPI s.d. bulan Perusahaan
Mei 2023; 5. Kepala Divisi Akuntansi
4. Pembahasan Kinerja Sumber Daya 6. Kepala Divisi Perencanaan Strategis
Manusia s.d. bulan Mei 2023. 7. Kepala Divisi Tresuri
1. Discussion of Company Performance 8. Kepala Divisi Manajemen Risiko, Operasi
as of May 2023; dan Korporasi
2. Discussion of Risk Profile for May 2023; 9. Kepala Divisi Risiko Kredit & Asuransi
3. Discussion of SPI Audit Results as of 10. Kepala Divisi Strategi Human Capital
May 2023; 11. Kepala Divisi Budaya Kerja
4. Discussion of Human Resources 12. Kepala Divisi Operasional Human Capital
Performance as of May 2023. 13. Kepala Divisi Pegadaian Corporate
University
14. Kepala Divisi Kepatuhan
15. Kepala Divisi Penjualan
16. Kepala Divisi Hubungan Kelembagaan
17. Kepala Divisi Produk Gadai
18. Kepala Divisi Unit Usaha Syariah
19. Kepala Divisi Pemasaran
20. Kepala Divisi Produk Mikro Fidusia
21. Kepala Divisi Produk Emas
22. Kepala Divisi Jaringan dan Operasional
23. Kepala Divisi Manajemen Aset Tetap
24. Komite Audit
25. Komite Pemantau Risiko
26. Komite Nominasi dan Remunerasi
1. SEVP Risk Management
2. SEVP Internal Audit Unit
3. SEVP Transformation Office
4. Head of Company Performance
Management Division
5. Head of Accounting Division
6. Head of Strategic Planning Division
7. Head of Treasury Division
8. Head of Risk Management, Operations
and Corporate Division
9. Head of Credit Risk & Insurance Division
10. Head of Human Capital Strategy Division
11. Head of Work Culture Division
12. Head of Human Capital Operations
Division
13. Head of Pegadaian Corporate University
Division
14. Head of Compliance Division
15. Head of Sales Division
16. Head of Institutional Relations Division
17. Head of Pawn Products Division
18. Head of Sharia Business Unit Division
19. Head of Marketing Division
20. Head of Micro Fiduciary Products
Division
21. Head of Gold Products Division
22. Head of Network and Operations
Division
23. Head of Fixed Asset Management
Division
24. Audit Committee
25. Risk Monitoring Committee
26. Nomination and Remuneration
Committee
520 Laporan Tahunan 2023 | PT Pegadaian
Page 521
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meeting where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
8. 17 Juli 2023 1. Pembahasan Hal-hal Strategis 1. Direktur Human Capital
July 17, 2023 a. Tenaga Outsourcing; 2. Direktur Manajemen Risiko, Legal dan
b. Kaji Ulang Proses Operasional Kepatuhan
di Cabang/UPC, Kecukupan 3. Kepala Satuan Pengawasan Intern
Manajemen Risiko, dan Strategi Anti 4. Komite Audit
Fraud; 5. Komite Pemantau Risiko
2. Hal-hal Strategis Lainnya. 6. Komite Nominasi dan Remunerasi
1. Discussion of Strategic Matters 1. Director of Human Capital
a. Outsourced Staff; 2. Director of Risk Management, Legal and
b. Review of Operational Processes Compliance
in Branches/UPCs, Adequacy of 3. Head of Internal Audit Unit
Risk Management, and Anti-Fraud 4. Audit Committee
Strategy; 5. Risk Monitoring Committee
2. Other Strategic Matters. 6. Nomination and Remuneration
Committee
PT Pegadaian | 2023 Annual Report 521
Page 522
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meeting where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
9. 18 Juli 2023 1. Pembahasan Kinerja Perusahaan s.d. 1. SEVP Manajemen Risiko
July 18, 2023 bulan Juni 2023; 2. SEVP Satuan Pengawasan Intern
2. Pembahasan Profil Risiko bulan Juni 3. SEVP Transformation Office
2023; 4. Kepala Divisi Manajemen Kinerja
3. Pembahasan Hasil Audit SPI s.d. bulan Perusahaan
Juni 2023; 5. Kepala Divisi Akuntansi
4. Pembahasan Kinerja Sumber Daya 6. Kepala Divisi Perencanaan Strategis
Manusia s.d. bulan Juni 2023. 7. Kepala Divisi Tresuri
1. Discussion of Company Performance 8. Kepala Divisi Manajemen Risiko, Operasi
as of June 2023; dan Korporasi
2. Discussion of Risk Profile for June 9. Kepala Divisi Risiko Kredit & Asuransi
2023; 10. Kepala Divisi Strategi Human Capital
3. Discussion of SPI Audit Results as of 11. Kepala Divisi Budaya Kerja
June 2023; 12. Kepala Divisi Operasional Human Capital
4. Discussion of Human Resources 13. Kepala Divisi Pegadaian Corporate
Performance as of June 2023. University
14. Kepala Divisi Kepatuhan
15. Kepala Divisi Penjualan
16. Kepala Divisi Hubungan Kelembagaan
17. Kepala Divisi Produk Gadai
18. Kepala Divisi Unit Usaha Syariah
19. Kepala Divisi Pemasaran
20. Kepala Divisi Produk Mikro Fidusia
21. Kepala Divisi Produk Emas
22. Kepala Divisi Jaringan dan Operasional
23. Kepala Divisi Manajemen Aset Tetap
24. Komite Audit
25. Komite Pemantau Risiko
26. Komite Nominasi dan Remunerasi
1. SEVP Risk Management
2. SEVP Internal Audit Unit
3. SEVP Transformation Office
4. Head of Company Performance
Management Division
5. Head of Accounting Division
6. Head of Strategic Planning Division
7. Head of Treasury Division
8. Head of Risk Management, Operations
and Corporate Division
9. Head of Credit Risk & Insurance Division
10. Head of Human Capital Strategy Division
11. Head of Work Culture Division
12. Head of Human Capital Operations
Division
13. Head of Pegadaian Corporate University
Division
14. Head of Compliance Division
15. Head of Sales Division
16. Head of Institutional Relations Division
17. Head of Pawn Products Division
18. Head of Sharia Business Unit Division
19. Head of Marketing Division
20. Head of Micro Fiduciary Products
Division
21. Head of Gold Products Division
22. Head of Network and Operations
Division
23. Head of Fixed Asset Management
Division
24. Audit Committee
25. Risk Monitoring Committee
26. Nomination and Remuneration
Committee
522 Laporan Tahunan 2023 | PT Pegadaian
Page 523
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meeting where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
10. 18 Agustus 2023 1. Pembahasan Kinerja Perusahaan s.d. 1. SEVP Satuan Pengawasan Intern
August 18, 2023 bulan Juli 2023; 2. SEVP Transformation Office
2. Pembahasan Profil Risiko bulan Juli 3. Kepala Divisi Manajemen Kinerja
2023; Perusahaan
3. Pembahasan Hasil Audit SPI s.d. bulan 4. Kepala Divisi Akuntansi
Juli 2023; 5. Kepala Divisi Perencanaan Strategis
4. Pembahasan Kinerja Sumber Daya 6. Kepala Divisi Tresuri
Manusia s.d. bulan Juli 2023. 7. Kepala Divisi Manajemen Risiko, Operasi
1. Discussion of Company Performance dan Korporasi
as of July 2023; 8. Kepala Divisi Risiko Kredit & Asuransi
2. Discussion of Risk Profile for July 2023; 9. Kepala Divisi Strategi Human Capital
3. Discussion of SPI Audit Result as of 10. Kepala Divisi Budaya Kerja
July 2023; 11. Kepala Divisi Operasional Human Capital
4. Discussion of Human Resources 12. Kepala Divisi Pegadaian Corporate
Performance as of July 2023. University
13. Kepala Divisi Kepatuhan
14. Kepala Divisi Penjualan
15. Kepala Divisi Hubungan Kelembagaan
16. Kepala Divisi Produk Gadai
17. Kepala Divisi Unit Usaha Syariah
18. Kepala Divisi Pemasaran
19. Kepala Divisi Produk Mikro Fidusia
20. Kepala Divisi Produk Emas
21. Kepala Divisi Jaringan dan Operasional
22. Kepala Divisi Manajemen Aset Tetap
23. Komite Audit
24. Komite Pemantau Risiko
25. Komite Nominasi dan Remunerasi
1. SEVP Internal Audit Unit
2. SEVP Transformation Office
3. Head of Company Performance
Management Division
4. Head of Accounting Division
5. Head of Strategic Planning Division
6. Head of Treasury Division
7. Head of Risk Management, Operations
and Corporate Division
8. Head of Credit Risk & Insurance Division
9. Head of Human Capital Strategy Division
10. Head of Work Culture Division
11. Head of Human Capital Operations
Division
12. Head of Pegadaian Corporate University
Division
13. Head of Compliance Division
14. Head of Sales Division
15. Head of Institutional Relations Division
16. Head of Pawn Products Division
17. Head of Sharia Business Unit Division
18. Head of Marketing Division
19. Head of Micro Fiduciary Products
Division
20. Head of Gold Products Division
21. Head of Network and Operations
Division
22. Head of Fixed Asset Management
Division
23. Audit Committee
24. Risk Monitoring Committee
25. Nomination and Remuneration
Committee
PT Pegadaian | 2023 Annual Report 523
Page 524
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meeting where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
11. 15 September 2023 1. Pembahasan Kinerja Perusahaan s.d. 1. SEVP Satuan Pengawasan Intern
September 15, 2023 bulan Agustus 2023; 2. SEVP Transformation Office
2. Pembahasan Profil Risiko bulan 3. Kepala Divisi Manajemen Kinerja
Agustus 2023; Perusahaan
3. Pembahasan Hasil Audit SPI s.d. bulan 4. Kepala Divisi Akuntansi
Agustus 2023; 5. Kepala Divisi Perencanaan Strategis
4. Pembahasan Kinerja Sumber Daya 6. Kepala Divisi Tresuri
Manusia s.d. bulan Agustus 2023. 7. Kepala Divisi Manajemen Risiko, Operasi
1. Discussion of Company Performance dan Korporasi
as of August 2023; 8. Kepala Divisi Risiko Kredit & Asuransi
2. Discussion of Risk Profile for August 9. Kepala Divisi Strategi Human Capital
2023; 10. Kepala Divisi Budaya Kerja
3. Discussion of SPI Audit Results as of 11. Kepala Divisi Operasional Human Capital
August 2023; 12. Kepala Divisi Pegadaian Corporate
4. Discussion of Human Resources University
Performance as of August 2023. 13. Kepala Divisi Kepatuhan
14. Kepala Divisi Penjualan
15. Kepala Divisi Hubungan Kelembagaan
16. Kepala Divisi Produk Gadai
17. Kepala Divisi Unit Usaha Syariah
18. Kepala Divisi Pemasaran
19. Kepala Divisi Produk Mikro Fidusia
20. Kepala Divisi Produk Emas
21. Kepala Divisi Jaringan dan Operasional
22. Kepala Divisi Manajemen Aset Tetap
23. Komite Audit
24. Komite Pemantau Risiko
25. Komite Nominasi dan Remunerasi
1. SEVP Internal Audit Unit
2. SEVP Transformation Office
3. Head of Company Performance
Management Division
4. Head of Accounting Division
5. Head of Strategic Planning Division
6. Head of Treasury Division
7. Head of Risk Management, Operations
and Corporate Division
8. Head of Credit Risk & Insurance Division
9. Head of Human Capital Strategy Division
10. Head of Work Culture Division
11. Head of Human Capital Operations
Division
12. Head of Pegadaian Corporate University
Division
13. Head of Compliance Division
14. Head of Sales Division
15. Head of Institutional Relations Division
16. Head of Pawn Products Division
17. Head of Sharia Business Unit Division
18. Head of Marketing Division
19. Head of Micro Fiduciary Products
Division
20. Head of Gold Products Division
21. Head of Network and Operations
Division
22. Head of Fixed Asset Management
Division
23. Audit Committee
24. Risk Monitoring Committee
25. Nomination and Remuneration
Committee
524 Laporan Tahunan 2023 | PT Pegadaian
Page 525
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meeting where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
12. 6 Oktober 2023 Timeline dan Progress Tindak Lanjut FGD 1. Direktur Manajemen Risiko, Legal dan
October 6, 2023 Telaah Kasus Kepatuhan
Timeline and Progress on the Follow-up of 2. Kepala Satuan Pengawasan Intern
Case Study FGD 3. Komite Audit
4. Komite Pemantau Risiko
5. Komite Nominasi dan Remunerasi
1. Director of Risk Management, Legal and
Compliance
2. Head of Internal Audit Unit
3. Audit Committee
4. Risk Monitoring Committee
5. Nomination and Remuneration
Committee
13. 17 Oktober 2023 Pembahasan Usulan Rancangan Rencana 1. Kepala Divisi Perencanaan Strategis
October 17, 2023 Jangka Panjang Perusahaan (RJPP) 2. Kepala Divisi Project Management Office
Tahun 2024-2028 dan Rencana Kerja dan dan Manajemen Perubahan
Anggaran Perusahaan (RKAP) Tahun 2024 3. Kepala Divisi Manajemen Risiko, Operasi
PT Pegadaian dan Korporasi
Discussion of the Proposed Draft 4. Komite Audit
Company Long Term Plan (RJPP) for 5. Komite Pemantau Risiko
2024-2028 and the Company Work Plan 6. Komite Nominasi dan Remunerasi
and Budget (RKAP) of PT Pegadaian for 1. Head of Strategic Planning Division
2024 2. Head of the Project Management Office
and Change Management Division
3. Head of Risk Management, Operations
and Corporate Division
4. Audit Committee
5. Risk Monitoring Committee
6. Nomination and Remuneration
Committee
14. 18 Oktober 2023 1. Pembahasan Hasil Audit SPI s.d. bulan 1. Kepala Satuan Pengawasan Intern
October 18, 2023 September 2023 2. Komite Audit
2. Hal-hal Strategis Lainnya 3. Komite Pemantau Risiko
1. Discussion of SPI Audit Result as of 4. Komite Nominasi dan Remunerasi
September 2023 1. Head of Internal Audit Unit
2. Other Strategic Matters 2. Audit Committee
3. Risk Monitoring Committee
4. Nomination and Remuneration
Committee
PT Pegadaian | 2023 Annual Report 525
Page 526
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meeting where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
15. 20 Oktober 2023 1. Pembahasan Kinerja Perusahaan s.d. 1. SEVP Transformation Office
October 20, 2023 bulan September 2023; 2. Kepala Divisi Manajemen Kinerja
2. Pembahasan Profil Risiko bulan Perusahaan
September 2023; 3. Kepala Divisi Akuntansi
3. Pembahasan Kinerja Sumber Daya 4. Kepala Divisi Perencanaan Strategis
Manusia s.d. bulan September 2023. 5. Kepala Divisi Tresuri
1. Discussion of Company Performance 6. Kepala Divisi Manajemen Risiko, Operasi
as of September 2023; dan Korporasi
2. Discussion of Risk Profile for 7. Kepala Divisi Risiko Kredit & Asuransi
September 2023; 8. Kepala Divisi Strategi Human Capital
3. Discussion of Human Resources 9. Kepala Divisi Budaya Kerja
Performance as of September 2023. 10. Kepala Divisi Operasional Human Capital
11. Kepala Divisi Pegadaian Corporate
University
12. Kepala Divisi Kepatuhan
13. Kepala Divisi Penjualan
14. Kepala Divisi Hubungan Kelembagaan
15. Kepala Divisi Produk Gadai
16. Kepala Divisi Unit Usaha Syariah
17. Kepala Divisi Pemasaran
18. Kepala Divisi Produk Mikro Fidusia
19. Kepala Divisi Produk Emas
20. Kepala Divisi Jaringan dan Operasional
21. Kepala Divisi Manajemen Aset Tetap
22. Komite Audit
23. Komite Pemantau Risiko
24. Komite Nominasi dan Remunerasi
1. SEVP Transformation Office
2. Head of Company Performance
Management Division
3. Head of Accounting Division
4. Head of Strategic Planning Division
5. Head of Treasury Division
6. Head of Risk Management, Operations
and Corporate Division
7. Head of Credit Risk & Insurance Division
8. Head of Human Capital Strategy Division
9. Head of Work Culture Division
10. Head of Human Capital Operations
Division
11. Head of Pegadaian Corporate University
Division
12. Head of Compliance Division
13. Head of Sales Division
14. Head of Institutional Relations Division
15. Head of Pawn Products Division
16. Head of Sharia Business Unit Division
17. Head of Marketing Division
18. Head of Micro Fiduciary Products
Division
19. Head of Gold Products Division
20. Head of Network and Operations
Division
21. Head of Fixed Asset Management
Division
22. Audit Committee
23. Risk Monitoring Committee
24. Nomination and Remuneration
Committee
526 Laporan Tahunan 2023 | PT Pegadaian
Page 527
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meeting where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
16. 17 November 2023 1. Pembahasan Hasil Audit SPI s.d. 1. Kepala Satuan Pengawasan Intern
November 17, 2023 Oktober 2023 2. Komite Audit
2. Hal-hal Strategis Lainnya 3. Komite Pemantau Risiko
1. Discussion of SPI Audit Result as of 4. Komite Nominasi dan Remunerasi
October 2023 1. Head of Internal Audit Unit
2. Other Strategic Matters 2. Audit Committee
3. Risk Monitoring Committee
4. Nomination and Remuneration
Committee
17. 23 November 2023 1. Pembahasan Kinerja Perusahaan s.d. 1. SEVP Transformation Office
November 23, 2023 bulan Oktober 2023; 2. Kepala Divisi Manajemen Kinerja
2. Pembahasan Profil Risiko bulan Perusahaan
Oktober 2023; 3. Kepala Divisi Akuntansi
3. Pembahasan Kinerja Sumber Daya 4. Kepala Divisi Perencanaan Strategis
Manusia s.d. bulan Oktober 2023. 5. Kepala Divisi Tresuri
1. Discussion of Company Performance 6. Kepala Divisi Manajemen Risiko, Operasi
as of October 2023; dan Korporasi
2. Discussion of Risk Profile for October 7. Kepala Divisi Risiko Kredit & Asuransi
2023; 8. Kepala Divisi Strategi Human Capital
3. Discussion of Human Resources 9. Kepala Divisi Budaya Kerja
Performance as of October 2023. 10. Kepala Divisi Operasional Human Capital
11. Kepala Divisi Pegadaian Corporate
University
12. Kepala Divisi Kepatuhan
13. Kepala Divisi Penjualan
14. Kepala Divisi Hubungan Kelembagaan
15. Kepala Divisi Produk Gadai
16. Kepala Divisi Unit Usaha Syariah
17. Kepala Divisi Pemasaran
18. Kepala Divisi Produk Mikro Fidusia
19. Kepala Divisi Produk Emas
20. Kepala Divisi Jaringan dan Operasional
21. Kepala Divisi Manajemen Aset Tetap
22. Komite Audit
23. Komite Pemantau Risiko
24. Komite Nominasi dan Remunerasi
1. SEVP Transformation Office
2. Head of Company Performance
Management Division
3. Head of Accounting Division
4. Head of Strategic Planning Division
5. Head of Treasury Division
6. Head of Risk Management, Operations
and Corporate Division
7. Head of Credit Risk & Insurance Division
8. Head of Human Capital Strategy Division
9. Head of Work Culture Division
10. Head of Human Capital Operations
Division
11. Head of Pegadaian Corporate University
Division
12. Head of Compliance Division
13. Head of Sales Division
14. Head of Institutional Relations Division
15. Head of Pawn Products Division
16. Head of Sharia Business Unit Division
17. Head of Marketing Division
18. Head of Micro Fiduciary Products
Division
19. Head of Gold Products Division
20. Head of Network and Operations
Division
21. Head of Fixed Asset Management
Division
22. Audit Committee
23. Risk Monitoring Committee
24. Nomination and Remuneration
Committee
PT Pegadaian | 2023 Annual Report 527
Page 528
Tata Kelola Perusahaan
Corporate Governance
Tabel Rapat Koordinasi yang Kehadiran Dewan Komisaris Opsional
Table of Coordination Meeting where the Attendance of the Board of Commissioners is Optional
Tanggal Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Date Meeting Agenda Meeting Participant
18. 18 Desember 2023 1. Pembahasan Hasil Audit SPI s.d. 1. Kepala Satuan Pengawasan Intern
December 18, 2023 November 2023 2. Komite Audit
2. Hal-hal strategis lainnya 3. Komite Pemantau Risiko
1. Discussion of SPI Audit Result as of 4. Komite Nominasi dan Remunerasi
November 2023 1. Head of Internal Audit Unit
2. Other strategic matters 2. Audit Committee
3. Risk Monitoring Committee
4. Nomination and Remuneration
Committee
19. 19 Desember 2023 1. Pembahasan Kinerja Perusahaan s.d. 1. SEVP Transformation Office
December 19, 2023 bulan November 2023; 2. Kepala Divisi Manajemen Kinerja
2. Pembahasan Profil Risiko bulan Perusahaan
November 2023; 3. Kepala Divisi Akuntansi
3. Pembahasan Kinerja Sumber Daya 4. Kepala Divisi Perencanaan Strategis
Manusia s.d. bulan November 2023. 5. Kepala Divisi Tresuri
1. Discussion of Company Performance 6. Kepala Divisi Manajemen Risiko, Operasi
as of November 2023; dan Korporasi
2. Discussion of Risk Profile for November 7. Kepala Divisi Risiko Kredit & Asuransi
2023; 8. Kepala Divisi Strategi Human Capital
3. Discussion of Human Resources 9. Kepala Divisi Budaya Kerja
Performance as of November 2023. 10. Kepala Divisi Operasional Human Capital
11. Kepala Divisi Pegadaian Corporate
University
12. Kepala Divisi Kepatuhan
13. Kepala Divisi Penjualan
14. Kepala Divisi Hubungan Kelembagaan
15. Kepala Divisi Produk Gadai
16. Kepala Divisi Unit Usaha Syariah
17. Kepala Divisi Pemasaran
18. Kepala Divisi Produk Mikro Fidusia
19. Kepala Divisi Produk Emas
20. Kepala Divisi Jaringan dan Operasional
21. Kepala Divisi Manajemen Aset Tetap
22. Komite Audit
23. Komite Pemantau Risiko
24. Komite Nominasi dan Remunerasi
1. SEVP Transformation Office
2. Head of Company Performance
Management Division
3. Head of Accounting Division
4. Head of Strategic Planning Division
5. Head of Treasury Division
6. Head of Risk Management, Operations
and Corporate Division
7. Head of Credit Risk & Insurance Division
8. Head of Human Capital Strategy Division
9. Head of Work Culture Division
10. Head of Human Capital Operations
Division
11. Head of Pegadaian Corporate University
Division
12. Head of Compliance Division
13. Head of Sales Division
14. Head of Institutional Relations Division
15. Head of Pawn Products Division
16. Head of Sharia Business Unit Division
17. Head of Marketing Division
18. Head of Micro Fiduciary Products
Division
19. Head of Gold Products Division
20. Head of Network and Operations
Division
21. Head of Fixed Asset Management
Division
22. Audit Committee
23. Risk Monitoring Committee
24. Nomination and Remuneration
Committee
528 Laporan Tahunan 2023 | PT Pegadaian
Page 529
Tingkat kehadiran anggota Komite Nominasi dan The attendance level of Nomination and Remuneration
Remunerasi dalam rapat adalah sebagai berikut: Committee members at meetings is as follows:
Jumlah Rapat
Nama Jabatan Kehadiran % Kehadiran
No Number of
Name Position Attendance Attendance
Meetings
Ketua
1 Nezar Patria 30 30 100%
Chairman
Anggota
2 Loto Srinaita Ginting 30 30 100%
Member
Anggota
3 Rini Widyantini 30 30 100%
Member
Anggota
4 Arry Ekananta 49 49 100%
Member
Anggota
5 Yuni Setyaningsih 21 21 100%
Member
*Perbedaan jumlah rapat disebabkan Dewan Komisaris turut hadir pada Rapat yang bersifat opsional.
*The difference in the number of meetings is due to the Board of Commissioners also attending the optional meeting.
Keputusan yang diambil dalam rapat Komite Nominasi Decisions taken at the Nomination and Remuneration
dan Remunerasi telah dicatat dan didokumentasikan Committee meeting have been properly recorded and
dengan baik dalam risalah rapat Komite Komite documented in the minutes of the Nomination and
Nominasi dan Remunerasi. Risalah rapat Remuneration Committee meeting. The minutes of the
ditandatangani oleh ketua rapat dan didistribusikan meeting are signed by the chairman of the meeting
kepada semua anggota Komite Komite Nominasi dan and distributed to all members of the Nomination and
Remunerasi yang menghadiri rapat maupun tidak. Remuneration Committee who attend the meeting or
Perbedaan pendapat (dissenting opinion) yang terjadi not. Differences of opinion (dissenting opinions) that
dalam rapat akan dicantumkan dalam risalah rapat occur at the meeting will be included in the minutes of
disertai alasan mengenai perbedaan pendapat. the meeting along with the reasons for the difference
of opinion.
Laporan Pelaksanaan Tugas Tahun 2023 Duties Implementation Report for 2023
Sesuai dengan laporan Komite Nominasi dan In accordance with the Nomination and Remuneration
Remunerasi yang disampaikan kepada Dewan Committee report submitted to the Board of
Komisaris, pelaksanaan tugas yang telah dilakukan Commissioners, the implementation of the duties
Komite Nominasi dan Remunerasi selama tahun 2023, carried out by the Nomination and Remuneration
adalah sebagai berikut: Committee during 2023 is as follows:
1. Tanggapan dan Rekomendasi kepada Dewan 1. Responses and Recommendations to the Board of
Komisaris Commissioners
Dalam tahun 2023, Komite Nominasi dan In 2023, the Nomination and Remuneration
Remunerasi telah melakukan tugas-tugas dalam Committee has implemented duties to support
rangka mendukung fungsi pengawasan Dewan the supervisory function of the Board of
Komisaris, antara lain: Commissioners, including:
Nomor & Tanggal Surat Kepada Perihal
No
Letter Number & Date To Subject
Rekomendasi Komite Nominasi dan Remunerasi atas Usulan Calon
Anggota Direksi pada Anak Perusahaan PT Pegadaian Galeri Dua Empat
S-01/KNR/01/2023 dan PT Pesonna Indonesia Jaya
Dekom
1 18 Januari 2023 Recommendations of the Nomination and Remuneration Committee
BOC
January 18, 2023 on Proposed Candidates for Members of the Board of Directors at
Subsidiaries PT Pegadaian Galeri Dua Empat and PT Pesonna Indonesia
Jaya
PT Pegadaian | 2023 Annual Report 529
Page 530
Tata Kelola Perusahaan
Corporate Governance
Nomor & Tanggal Surat Kepada Perihal
No
Letter Number & Date To Subject
S-02/KNR/02/2023
Dekom Usulan Penyampaian Updating Talent Pool Direksi BUMN
2. 24 Februari 2023
BOC Proposed Submission of Updating Talent Pool for SOEs’ Directors
February 24, 2023
Rekomendasi Komite Nominasi dan Remunerasi atas Permohonan
Penetapan Remunerasi untuk Tahun 2023 dan Tantiem untuk Tahun Buku
S-03/KNR/04/2023 2022 bagi Direksi dan Dewan Komisaris PT Pegadaian
Dekom
3. 10 April 2023 Recommendations of the Nomination and Remuneration Committee
BOC
April 10, 2023 on Request for Determining Remuneration for 2023 and Tantiem
for the 2022 Financial Year for the Board of Directors and Board of
Commissioners of PT Pegadaian
Rekomendasi Komite Nominasi dan Remunerasi atas Usulan Biaya
S-04/KNR/07/2023 Operasional Direksi dan Dewan Komisaris PT Pegadaian
Dekom
4. 31 Juli 2023 Recommendations of the Nomination and Remuneration Committee
BOC
July 31, 2023 on Proposed Operational Costs for the Board of Directors and Board of
Commissioners of PT Pegadaian
S-05/KNR/10/2023 Usulan Pengangkatan Calon Anggota Dewan Komisaris PT Pegadaian
Dekom
5. 9 Oktober 2023 Proposed Appointment of Candidates for Members of the Board of
BOC
October 9, 2023 Commissioners of PT Pegadaian
Rekomendasi Komite Nominasi dan Remunerasi atas Usulan Calon
Anggota Dewan Komisaris dan Anggota Direksi pada Anak Perusahaan
S-06/KNR/11/2023 (PT Pesonna Indonesia Jaya)
Dekom
6. 10 November 2023 Recommendations of the Nomination and Remuneration Committee
BOC
November 10, 2023 on Proposed Candidates for Members of the Board of Commissioners
and Members of the Board of Directors at the Subsidiary (PT Pesonna
Indonesia Jaya)
Rekomendasi Komite Nominasi dan Remunerasi atas Permohonan
S-07/KNR/11/2023
Dekom Persetujuan Sekretaris Perusahaan PT Pegadaian
7. 27 November 2023
BOC Recommendation of the Nomination and Remuneration Committee on
November 27, 2023
the Application for Approval of the PT Pegadaian’s Corporate Secretary
Selain hal tersebut di atas, Komite Nominasi dan Apart from the above, the Nomination and
Remunerasi bersama dengan Komite Audit serta Remuneration Committee together with the Audit
Komite Pemantau Risiko juga membuat dan Committee and Risk Monitoring Committee also
menyampaikan kajian, rekomendasi, masukan atau make and submit studies, recommendations,
pendapat kepada Dewan Komisaris, melalui surat input or opinions to the Board of Commissioners,
bersama sebagaimana disampaikan pada bagian through joint letter as submitted to the Audit
Komite Audit. Committee.
2. Kunjungan Kerja Komite Nominasi dan Remunerasi 2. Nomination and Remuneration Committee Work
Visit
Dalam rangka memberikan motivasi kepada In order to provide motivation to all Company
seluruh unit Perseroan dan untuk mendapatkan units and to obtain information, clarification and
informasi, klarifikasi dan gambaran atas kemajuan/ an overview of progress/developments as well
perkembangan serta permasalahan yang dihadapi as problems faced by regions and branches,
wilayah dan cabang, komite melakukan kunjungan the committee visits regions and branches with
ke wilayah dan cabang atas persetujuan dari Dewan approval from the Board of Commissioners. In
Komisaris. pada tahun 2023, jumlah kunjungan 2023, the number of working visits to Regional/
kerja ke Kantor Wilayah/Cabang yang dilakukan Branch Offices carried out by the Risk Monitoring
oleh Komite Pemantau Risiko sebagai berikut: Committee is as follows:
530 Laporan Tahunan 2023 | PT Pegadaian
Page 531
Tabel Kunjungan Kerja Komite Nominasi dan Remunerasi 2023
Table of 2023 Nomination and Remuneration Committee Working Visits
Nama Dewan
Komisaris Tanggal Tujuan Perihal
No. Name of the Date Objective Agenda
Board of
Commissioners
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah X
19 Januari 2023 Kanwil X Bandung
1. Nezar Patria
January 19, 2023 Bandung Virtual Working Visit of the Board of Commissioners to Regional Office X
Bandung
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VI
17 Februari 2023 Kanwil VI Makassar
February 17, 2023 Makassar Virtual Working Visit of the Board of Commissioners to Regional Office
VI Makassar
Kunjungan Kerja Dewan Komisaris ke Malang dan Surabaya -Area Kanwil
02 s.d. 04 Maret
Kanwil XII XII Surabaya PT Pegadaian
2023
Surabaya Board of Commissioners Working Visit to Malang and Surabaya - Area
March 2-24, 2023
Kanwil XII Surabaya of PT Pegadaian
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah III
10 Maret 2023 Kanwil III Palembang
March 10, 2023 Palembang Virtual Working Visit of the Board of Commissioners to Palembang
Regional Office III
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah XI
14 April 2023 Kanwil XI Semarang
April 14, 2023 Semarang Virtual Working Visit of the Board of Commissioners to Semarang Region
XI Office
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah V
04 Juli 2023 Kanwil V Manado
July 04, 2023 Manado Virtual Working Visit of the Board of Commissioners to Manado Regional
Office V
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
28 Juli 2023 Kanwil II Pekanbaru
July 28, 2023 Pekanbaru Virtual Working Visit of the Board of Commissioners to Pekanbaru
Regional Office II
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IV
08 September 2023 Kanwil IV Balikpapan
September 8, 2023 Balikpapan Virtual Working Visit of the Board of Commissioners to the Balikpapan
Region IV Office
28 s.d. 30 Menghadiri Rapat Koordinasi Dewan Komisaris dan Direksi PT Pegadaian
September 2023 Tahun 2023
Malang
September 28-30, Attend the Coordination Meeting of the Board of Commissioners and
2023 Board of Directors of PT Pegadaian in 2023
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
19 Oktober 2023 Kanwil XII Surabaya
October 19, 2023 Surabaya Virtual Working Visit of the Board of Commissioners to Regional Office II
Surabaya
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah I
31 Oktober 2023 Medan
Kanwil I Medan
October 31, 2023 Virtual Working Visit of the Board of Commissioners to Medan Regional
I Office
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VIII
24 November 2023 Kanwil VIII Jakarta 1
November 24, 2023 Jakarta 1 Virtual Working Visit of the Board of Commissioners to Regional Office
VIII Jakarta 1
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IX
14 Desember 2023 Kanwil IX Jakarta 2
December 14, 2023 Jakarta 2 Virtual Working Visit of the Board of Commissioners to Regional Office
IX Jakarta 2
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VII
27 Desember 2023 Kanwil VII Denpasar
December 27, 2023 Denpasar Virtual Working Visit of the Board of Commissioners to Denpasar Region
VII Office
PT Pegadaian | 2023 Annual Report 531
Page 532
Tata Kelola Perusahaan
Corporate Governance
Tabel Kunjungan Kerja Komite Nominasi dan Remunerasi 2023
Table of 2023 Nomination and Remuneration Committee Working Visits
Nama Dewan
Komisaris Tanggal Tujuan Perihal
No. Name of the Date Objective Agenda
Board of
Commissioners
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah X
Loto Srinaita 19 Januari 2023 Kanwil X Bandung
2.
Ginting January 19, 2023 Bandung Virtual Working Visit of the Board of Commissioners to Regional Office X
Bandung
Menghadiri Undangan Rapat Koordinasi Terbatas (Rakortas) Manajemen
07 s.d. 08 Februari
Risiko PT Pegadaian di Solo
2023 Solo
Attended the Limited Coordination Meeting (Rakortas) of PT Pegadaian
February 7-8, 2023
Risk Management Invitation in Solo
Menghadiri Undangan Rapat Kerja Nasional Satuan Pengawasan Intern
(SPI) PT Pegadaian Tahun 2023 di Solo serta Monitoring Implementasi
Holding Ultra Mikro (Outlet SenyuM) dan Kunjungan Kerja ke Outlet
13 s.d. 15 Februari Pegadaian dan Pengelolaan UMKM di Area Kanwil XI Semarang
2023 Solo Attending the Invitation to the 2023 PT Pegadaian Internal Audit
February 13-15, 2023 Unit (SPI) National Work Meeting in Solo as well as Monitoring the
Implementation of Ultra Micro Holding (Outlet SenyuM) and Working
Visits to Pegadaian Outlets and MSME Management in the Regional Office
Area XI Semarang
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VI
17 Februari 2023 Kanwil VI Makassar
February 17, 2023 Makassar Virtual Working Visit of the Board of Commissioners to Regional Office
VI Makassar
Monitoring Implementasi Holding Ultra Mikro (Outlet SenyuM) serta
23 s.d. 27 Februari Kunjungan Kerja ke Outlet Pegadaian dan Pengelolaan UMKM di Kanwil I
2023 Medan
Kanwil I Medan
February 23-27, Monitoring the Implementation of Ultra Micro Holding (SenyuM Outlet)
2023 as well as Working Visits to Pegadaian Outlets and MSME Management at
Kanwil I Medan
05 s.d. 06 Maret Kunjungan Kerja Dewan Komisaris ke Solo -Area Kanwil XI Semarang PT
2023 Pegadaian
Solo
March 5-6, March Board of Commissioners Working Visit to Solo - Area Kanwil XI Semarang
2023 of PT Pegadaian
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah III
10 Maret 2023 Kanwil III Palembang
March 10, 2023 Palembang Virtual Working Visit of the Board of Commissioners to Palembang
Regional Office III
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah XI
14 April 2023 Kanwil XI Semarang
April 14, 2023 Semarang Virtual Working Visit of the Board of Commissioners to Semarang Region
XI Office
Monitoring Implementasi Holding Ultra Mikro (Outlet SenyuM) serta
Kunjungan Kerja ke Outlet Pegadaian dan Pengelolaan UMKM di Kanwil I
15 s.d. 18 Mei 2023 Medan
Kanwil I Medan
May 15-18, 2023 Monitoring the Implementation of Ultra Micro Holding (SenyuM Outlet)
as well as Working Visits to Pegadaian Outlets and MSME Management at
Kanwil I Medan
Menghadiri Undangan Acara Kick Off Pelaksanaan Rekomendasi
Penyelesaian Non Yudisial Pelanggaran Hak Asasi Manusia (HAM) yang
Berat oleh Presiden RI serta Kunjungan Kerja ke Outlet Pegadaian dan
Pengelolaan UMKM di Area Aceh -Kanwil I Medan
26 s.d. 28 Juni 2023
Aceh Attending the Invitation to the Kick Off Event for the Implementation of
June 26-28, 2023
Recommendations for Non-Judicial Resolution of Serious Human Rights
Violations by the President of the Republic of Indonesia as well as a
Working Visit to Pegadaian Outlets and MSME Management in the Aceh
Area - Regional Office I Medan
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah V
04 Juli 2023 Kanwil V Manado
July 04, 2023 Manado Virtual Working Visit of the Board of Commissioners to Manado Regional
Office V
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
28 Juli 2023 Kanwil II Pekanbaru
July 28, 2023 Pekanbaru Virtual Working Visit of the Board of Commissioners to Pekanbaru
Regional Office II
Monitoring Implementasi Holding Ultra Mikro (Outlet SenyuM) serta
Kunjungan Kerja ke Outlet Pegadaian dan Pengelolaan UMKM di Kanwil
01 s.d. 04 Agustus
Kanwil IV IV Balikpapan
2023
Balikpapan Monitoring the Implementation of Ultra Micro Holding (SenyuM Outlet)
August 1-4, 2023
as well as Working Visits to Pegadaian Outlets and MSME Management at
Regional Office IV Balikpapan
Kegiatan Road to Indonesia Startup Ecosystem Summit 2023 dan
10 s.d. 12 Agustus
Peringatan Puncak Acara hari UMKM Nasional 2023
2023 Solo
Road to Indonesia Startup Ecosystem Summit 2023 Activities and
August 10-12, 2023
Commemoration of the Main Event of National MSME Day 2023
532 Laporan Tahunan 2023 | PT Pegadaian
Page 533
Tabel Kunjungan Kerja Komite Nominasi dan Remunerasi 2023
Table of 2023 Nomination and Remuneration Committee Working Visits
Nama Dewan
Komisaris Tanggal Tujuan Perihal
No. Name of the Date Objective Agenda
Board of
Commissioners
Monitoring Implementasi Holding Ultra Mikro (Outlet SenyuM) serta
Kunjungan Kerja ke Outlet Pegadaian dan Pengelolaan UMKM di Wilayah
15 s.d. 17 Agustus
Area Malang, Kanwil XII Surabaya
2023 Malang
Monitoring the Implementation of Ultra Micro Holding (SenyuM Outlet)
August 15-17, 2023
as well as Working Visits to Pegadaian Outlets and MSME Management in
the Malang Area, Regional Office XII Surabaya
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IV
08 September 2023 Kanwil IV Balikpapan
September 8, 2023 Balikpapan Virtual Working Visit of the Board of Commissioners to the Balikpapan
Region IV Office
28 s.d. 30 Menghadiri Rapat Koordinasi Dewan Komisaris dan Direksi PT Pegadaian
September 2023 Tahun 2023
Malang
September 28-30, Attend the Coordination Meeting of the Board of Commissioners and
2023 Board of Directors of PT Pegadaian in 2023
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
19 Oktober 2023 Kanwil XII Surabaya
October 19, 2023 Surabaya Virtual Working Visit of the Board of Commissioners to Regional Office II
Surabaya
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah I
31 Oktober 2023 Medan
Kanwil I Medan
October 31, 2023 Virtual Working Visit of the Board of Commissioners to Medan Regional
I Office
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VIII
24 November 2023 Kanwil VIII Jakarta 1
November 24, 2023 Jakarta 1 Virtual Working Visit of the Board of Commissioners to Regional Office
VIII Jakarta 1
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IX
14 Desember 2023 Kanwil IX Jakarta 2
December 14, 2023 Jakarta 2 Virtual Working Visit of the Board of Commissioners to Regional Office
IX Jakarta 2
Menghadiri Acara Pegadaian Impact festival serta Kunjungan Kerja ke
19 Desember 2023 Kanwil X Outlet Pegadaian dan Pengelolaan UMKM di Area Kanwil X Bandung
December 19, 2023 Bandung Attending the Pegadaian Impact festival as well as working visits to
Pegadaian outlets and MSME management in the Kanwil X Bandung area
Menghadiri Acara Klaten Paten Lurik Pedan Fashion Fair serta Kunjungan
20 s.d. 23 Desember Kerja ke Outlet Pegadaian dan Pengelolaan UMKM di Area Klaten dan
2023 Klaten dan Yogyakarta, Kanwil XI Semarang
December 20-23, Yogyakarta Attended the Klaten Paten Lurik Pedan Fashion Fair and Work Visits to
2023 Pegadaian Outlets and MSME Management in the Klaten and Yogyakarta
Areas, Regional Office XI Semarang
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VII
27 Desember 2023 Kanwil VII Denpasar
December 27, 2023 Denpasar Virtual Working Visit of the Board of Commissioners to Denpasar Region
VII Office
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah X
19 Januari 2023 Kanwil X Bandung
3. Rini Widyantini
January 19, 2023 Bandung Virtual Working Visit of the Board of Commissioners to Regional Office X
Bandung
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VI
17 Februari 2023 Kanwil VI Makassar
February 17, 2023 Makassar Virtual Working Visit of the Board of Commissioners to Regional Office
VI Makassar
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah III
10 Maret 2023 Kanwil III Palembang
March 10, 2023 Palembang Virtual Working Visit of the Board of Commissioners to Palembang
Regional Office III
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah XI
14 April 2023 Kanwil XI Semarang
April 14, 2023 Semarang Virtual Working Visit of the Board of Commissioners to Semarang Region
XI Office
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah V
04 Juli 2023 Kanwil V Manado
July 04, 2023 Manado Virtual Working Visit of the Board of Commissioners to Manado Regional
Office V
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
28 Juli 2023 Kanwil II Pekanbaru
July 28, 2023 Pekanbaru Virtual Working Visit of the Board of Commissioners to Pekanbaru
Regional Office II
PT Pegadaian | 2023 Annual Report 533
Page 534
Tata Kelola Perusahaan
Corporate Governance
Tabel Kunjungan Kerja Komite Nominasi dan Remunerasi 2023
Table of 2023 Nomination and Remuneration Committee Working Visits
Nama Dewan
Komisaris Tanggal Tujuan Perihal
No. Name of the Date Objective Agenda
Board of
Commissioners
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IV
08 September 2023 Kanwil IV Balikpapan
September 8, 2023 Balikpapan Virtual Working Visit of the Board of Commissioners to the Balikpapan
Region IV Office
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
19 Oktober 2023 Kanwil XII Surabaya
October 19, 2023 Surabaya Virtual Working Visit of the Board of Commissioners to Regional Office II
Surabaya
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah I
31 Oktober 2023 Medan
Kanwil I Medan
October 31, 2023 Virtual Working Visit of the Board of Commissioners to Medan Regional
I Office
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VIII
24 November 2023 Kanwil VIII Jakarta 1
November 24, 2023 Jakarta 1 Virtual Working Visit of the Board of Commissioners to Regional Office
VIII Jakarta 1
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IX
14 Desember 2023 Kanwil IX Jakarta 2
December 14, 2023 Jakarta 2 Virtual Working Visit of the Board of Commissioners to Regional Office
IX Jakarta 2
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VII
27 Desember 2023 Kanwil VII Denpasar
December 27, 2023 Denpasar Virtual Working Visit of the Board of Commissioners to Denpasar Region
VII Office
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah X
19 Januari 2023 Kanwil X Bandung
4. Arry Ekananta
January 19, 2023 Bandung Virtual Working Visit of the Board of Commissioners to Regional Office X
Bandung
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VI
17 Februari 2023 Kanwil VI Makassar
February 17, 2023 Makassar Virtual Working Visit of the Board of Commissioners to Regional Office
VI Makassar
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah III
10 Maret 2023 Kanwil III Palembang
March 10, 2023 Palembang Virtual Working Visit of the Board of Commissioners to Palembang
Regional Office III
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah XI
14 April 2023 Kanwil XI Semarang
April 14, 2023 Semarang Virtual Working Visit of the Board of Commissioners to Semarang Region
XI Office
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah V
04 Juli 2023 Kanwil V Manado
July 04, 2023 Manado Virtual Working Visit of the Board of Commissioners to Manado Regional
Office V
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
28 Juli 2023 Kanwil II Pekanbaru
July 28, 2023 Pekanbaru Virtual Working Visit of the Board of Commissioners to Pekanbaru
Regional Office II
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Tabel Kunjungan Kerja Komite Nominasi dan Remunerasi 2023
Table of 2023 Nomination and Remuneration Committee Working Visits
Nama Dewan
Komisaris Tanggal Tujuan Perihal
No. Name of the Date Objective Agenda
Board of
Commissioners
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IV
08 September 2023 Kanwil IV Balikpapan
September 8, 2023 Balikpapan Virtual Working Visit of the Board of Commissioners to the Balikpapan
Region IV Office
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
19 Oktober 2023 Kanwil XII Surabaya
October 19, 2023 Surabaya Virtual Working Visit of the Board of Commissioners to Regional Office II
Surabaya
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah I
31 Oktober 2023 Medan
Kanwil I Medan
October 31, 2023 Virtual Working Visit of the Board of Commissioners to Medan Regional
I Office
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VIII
24 November 2023 Kanwil VIII Jakarta 1
November 24, 2023 Jakarta 1 Virtual Working Visit of the Board of Commissioners to Regional Office
VIII Jakarta 1
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IX
14 Desember 2023 Kanwil IX Jakarta 2
December 14, 2023 Jakarta 2 Virtual Working Visit of the Board of Commissioners to Regional Office
IX Jakarta 2
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VII
27 Desember 2023 Kanwil VII Denpasar
December 27, 2023 Denpasar Virtual Working Visit of the Board of Commissioners to Denpasar Region
VII Office
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah II
19 Oktober 2023 Kanwil XII Surabaya
5. Yuni Setyaningsih
October 19, 2023 Surabaya Virtual Working Visit of the Board of Commissioners to Regional Office II
Surabaya
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah I
31 Oktober 2023 Medan
Kanwil I Medan
October 31, 2023 Virtual Working Visit of the Board of Commissioners to Medan Regional
I Office
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VIII
24 November 2023 Kanwil VIII Jakarta 1
November 24, 2023 Jakarta 1 Virtual Working Visit of the Board of Commissioners to Regional Office
VIII Jakarta 1
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah IX
14 Desember 2023 Kanwil IX Jakarta 2
December 14, 2023 Jakarta 2 Virtual Working Visit of the Board of Commissioners to Regional Office
IX Jakarta 2
Kunjungan Kerja Dewan Komisaris secara virtual ke Kantor Wilayah VII
27 Desember 2023 Kanwil VII Denpasar
December 27, 2023 Denpasar Virtual Working Visit of the Board of Commissioners to Denpasar Region
VII Office
PT Pegadaian | 2023 Annual Report 535
Page 536
Tata Kelola Perusahaan
Corporate Governance
Organ Pendukung Direksi
Supporting Organs of the Board of Directors
Dalam menjalankan fungsi, tugas dan tanggung In carrying out its functions, duties and responsibilities,
jawabnya, Direksi dibantu oleh organ di bawah Direksi, the Board of Directors is assisted by organs under the
baik yang bersifat struktural maupun non struktural. Board of Directors, both structural and non-structural.
Direksi memiliki organ struktural yaitu Sekretaris The Board of Directors has structural organs, namely
Perusahaan, Satuan Pengawasan Intern, dan Fungsi the Corporate Secretary, Internal Monitoring Unit,
Manajemen Risiko. Sedangkan organ non struktural and Risk Management Function. Meanwhile, non-
adalah komite-komite yang dibentuk Direksi terkait structural organs are committees formed by the Board
bidang tertentu. Saat ini memiliki 9 (sembilan) komite, of Directors related to certain fields. Currently it has
yaitu Komite Kredit, Komite Aset dan Liabilitas, Komite 9 (nine) committees, namely the Credit Committee,
Produk, Komite Investasi & Belanja Modal, Komite Assets and Liabilities Committee, Product Committee,
Human Capital dan Komite Teknologi Informasi, Investment & Capital Expenditure Committee, Human
Komite Manajemen Risiko, Komite Tanggung Jawab Capital Committee and Information Technology
Sosial dan Lingkungan, Komite Transformasi. Direksi Committee, Risk Management Committee, Social
senantiasa melakukan penilaian atas kinerja Komite di and Environmental Responsibility Committee,
bawah Direksi yang dinilai telah mampu melaksanakan Transformation Committee. The Board of Directors
tugasnya dengan baik. always assesses the performance of Committees
under the Board of Directors who are deemed capable
of carrying out their duties well.
Komite Kredit The Credit Committee
Komite Kredit merupakan komite yang membantu The Credit Committee is a committee under the
Direksi dalam mengevaluasi dan/atau memutuskan Board of Directors which is formed to assist the Board
permohonan kredit untuk jumlah dan/atau jenis of Directors in evaluating and/or deciding credit
kredit tertentu yang ditetapkan oleh Direksi. Dalam applications for a certain amount and/or type of credit
menjalankan tugas dan tanggung jawabnya, Komite determined by the Board of Directors. In carrying out
Kredit terdiri dari Komite Kredit Direksi, Komite Kredit its duties and responsibilities, the Credit Committee
Divisi dan Komite Kredit Kantor Wilayah. oversees the Credit Committee of the Board of
Directors and Regional Office Credit Committee.
Struktur dan Keanggotaan
Structure and Membership
Komite Kredit Direksi
Credit Committee of the Board Of Directors
Fungsi Lingkup Bisnis Anggota Voting Member Fungsi Lingkup Bisnis Anggota Voting Member
1. Wakil Direktur Utama 1. Direktur Utama (Ketua merangkap Anggota)
2. Direktur Pemasaran dan Pengembangan Produk 2. Direktur Keuangan dan Perencanaan Strategis
3. Direktur Jaringan, Operasi, dan Penjualan 3. Direktur SDM dan Hukum
4. Direktur Teknologi Informasi dan Digital 4. SEVP Manajemen Risiko
Business Scope Function of Voting Member Risk Scope Function of Voting Member
1. Deputy of President Director 1. President Director (Chairman and Member concurrently)
2. Director of Marketing and Product Development 2. Director of Finance and Strategic Planning
3. Director of Network, Operations and Sales 3. Director of HR and Legal
4. Director of Information Technology and Digital 4. SEVP Risk Management
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Fungsi Lingkup Bisnis Anggota Non Voting Member Fungsi Lingkup Risiko Anggota Non Voting Member
1. Kepala Divisi yang membidangi produk 1. Kepala Divisi Operation & Enterprise Risk Management
2. Kepala Divisi Jaringan & Operasional 2. Kepala Divisi Hukum
3. Kepala Divisi Micro & Consumer Digital Lending 3. Kepala Divisi Compliance
4. Pejabat yang ditunjuk oleh Sekretaris Komite 4. Pejabat yang ditunjuk oleh Sekretaris Komite
Business Scope Function of Non Voting Member Risk Scope Function of Non Voting Member
1. Division Head in charge of product 1. Division Head of Operation & Enterprise Risk Management
2. Division Head of Network & Operations 2. Division Head of Legal
3. Division Head of Micro & Consumer Digital Lending 3. Division Head of Compliance
4. Officials appointed by Secretary of the Committee 4. Officials appointed by Secretary of the Committee
Sekretaris Komite Kredit Direksi
Secretary of the Credit Committee of the Board of Directors
Kepala Divisi Risiko Kredit dan Asuransi
Division Head of Credit Risk and Insurance
Pemrakarsa
Initiator
Outlet; atau Cabang/Unit Bisnis Mikro; atau Unit Kerja Perkreditan Tertentu
Outlet; or Branch / Micro Business Unit; or Certain Credit Working Unit
Komite Kredit Divisi
Divisional Credit Committee
Fungsi Lingkup Bisnis Anggota Voting Member Fungsi Lingkup Bisnis Anggota Voting Member
1. Kepala Divisi yang membidangi produk 1. Kepala Divisi & Enterprise Risk Management (Ketua
2. Kepala Divisi Jaringan & Operasional merangkap anggota)
3. Kepala Divisi Micro & Consumer Digital Lending 2. Kepala Divisi Hukum
3. Divisi Compliance
Business Scope Function of Voting Member
1. Division Head in charge of products Business Scope Function of Voting Member
2. Division Head of Network & Operations 1. Head of Division & Enterprise Risk Management (Chairman
3. Division Head of Micro & Consumer Digital Lending and member)
2. Head of Legal Division
3. Compliance Division
Fungsi Lingkup Bisnis Anggota Non Voting Member Fungsi Lingkup Risiko Anggota Non Voting Member
1. Kepala Divisi yang membidangi produk 1. Kepala Divisi Operation & Enterprise Risk Management
2. Kepala Divisi Jaringan & Operasional 2. Kepala Divisi Hukum
3. Kepala Divisi Micro & Consumer Digital Lending 3. Kepala Divisi Compliance
4. Pejabat yang ditunjuk oleh Sekretaris Komite 4. Pejabat yang ditunjuk oleh Sekretaris Komite
Business Scope Function of Non Voting Member Risk Scope Function of Non Voting Member
1. Division Head in charge of product 1. Head of Operation Division & Enterprise Risk Management
2. Division Head of Network & Operations 2. Division Head of Legal
3. Division Head of Micro & Consumer Digital Lending 3. Division Head of Compliance
4. Officials appointed by Secretary of the Committee 4. Officials appointed by Secretary of the Committee
Sekretaris Komite Kredit Direksi
Secretary of the Divisional Credit Committee
Kepala Divisi Risiko Kredit dan Asuransi
Division Head of Credit Risk and Insurance
Pemrakarsa
Initiator
Outlet; atau Cabang/Unit Bisnis Mikro; atau
Unit Kerja Perkreditan Tertentu
Outlet; or Branch/Micro Business Unit; or
Specific Credit Work Unit
PT Pegadaian | 2023 Annual Report 537
Page 538
Tata Kelola Perusahaan
Corporate Governance
Komite Kredit Wilayah
Regional Credit Committee
Fungsi Lingkup Bisnis Anggota Voting Member Fungsi Lingkup Bisnis Anggota Voting Member
1. Deputy Bidang Bisnis 1. Pemimpin Wilayah (Ketua merangkap anggota)
2. Deputy Bidang Operasional 2. Kepala Departemen Keuangan Kantor WIlayah
Business Scope Function of Voting Member Business Scope Function of Voting Member
1. Deputy for Business 1. Regional Leader (Chairman and member)
2. Deputy for Operations 2. Head of the Regional Office Finance Department
Fungsi Lingkup Bisnis Anggota Non Voting Member Fungsi Lingkup Risiko Anggota Non Voting Member
1. Kepala Departemen Business Support 1. Kepala Bagian Hukum Kantor Wilayah
2. Pejabat yang ditunjuk oleh Sekretaris Komite 2. Pejabat yang ditunjuk oleh Sekretaris Komite
Business Scope Function of Non Voting Member Risk Scope Function of Non Voting Member
1. Head of Business Support Department 1. Head of Legal Section of the Regional Office
2. Officials appointed by the Committee Secretary 2. Officials appointed by the Committee Secretary
Sekretaris Komite Kredit Wilayah
Secretary of the Regional Credit Committee
Kepala Departemen Manajemen Risiko di Kantor Wilayah
Head of Risk Management Department at the Regional Office
Pemrakarsa
Initiator
Outlet; atau Cabang/Unit Bisnis Mikro; atau
Unit Kerja Perkreditan Tertentu
Outlet; or Branch/Micro Business Unit; or
Specific Credit Work Unit
Berdasarkan Peraturan Direksi No. 7 Tahun 2020 Based on Regulationof the Board of Directors No. 7
Tanggal 17 Januari 2020 tentang Komite Kredit, of 2020 dated January 17, 2020 regarding the Credit
struktur Komite Kredit adalah sebagai berikut: Committee, the structure of the Credit Committee is
as follows:
1. Struktur Organisasi Komite Kredit meliputi: 1. The Organizational Structure of the Credit
Committee includes:
a. Ketua; a. Chairman;
b. Anggota Voting Member; b. Voting Members;
c. Anggota Non Voting Member; c. Non-Voting Members;
d. Sekretaris; d. Secretary;
e. Pemrakarsa. e. Initiator.
2. Fungsi Lingkup Komite Kredit terbagi 2 (dua) yaitu: 2. The Scope Function of the Credit Committee is
divided into 2 (two), namely:
a. Lingkup Bisnis, adalah fungsi yang a. Business Scope, is a function that carries
melaksanakan aktivitas bisnis di antaranya out business activities including functions of
fungsi pemasaran, penjualan, menjalin marketing, sales, establishing relationships with
hubungan dengan calon dan/atau nasabah, prospective and/or customers, and coaching
dan pembinaan agar kredit yang disalurkan so that loans disbursed do not become
tidak menjadi bermasalah; problematic;
b. Lingkup Risiko, adalah fungsi yang b. Scope of Risk, is a function that carries out
melaksanakan penilaian risiko, manajemen risk assessment, portfolio management and
portfolio serta pengelolaan kredit bermasalah. management of non-performing loans.
3. Jenis Komite Kredit sesuai dengan jenjang dan 3. Types of Credit Committees according to their
kewenangannya yaitu: level and authority, namely:
a. Komite Kredit Direksi; a. Credit Committee of the Board of Directors;
b. Komite Kredit Divisi; b. xDivisional Credit Committee;
c. Komite Kredit Wilayah. c. Regional Credit Committee.
4. Status keanggotaan Komite Kredit bersifat ex- 4. The status of the membership of the Credit
officio, sehingga bilamana terjadi perubahan Committee is ex-officio, so if there is a change in
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Page 539
struktur organisasi Unit Kerja di Kantor Pusat the organizational structure of the Work Unit at the
dan/atau Kantor Wilayah yang mengakibatkan Head Office and/or Regional Office which results
berubahnya nama Unit Kerja dan Pejabat in a change in the name of the Work Unit and the
pemegang jabatan di Unit Kerja tersebut, maka positionholding officer in the Work Unit, then the
susunan keanggotaan Komite Kredit tetap berlaku membership structure of the Credit Committee
bagi pemegang jabatan yang namanya berubah will still apply to the position holder whose name
tersebut. has changed.
Pedoman Kerja Komite Kredit Credit Committee Work Guidelines
Tugas dan Tanggung Jawab Komite Credit Committee Duties and
Kredit Responsibilities
Komite Kredit bertugas untuk: The Credit Committee is responsible for:
1. Melakukan analisis dan evaluasi kredit; 1. Perform credit analysis and evaluation;
2. Memberikan persetujuan atau penolakan kredit 2. Provide credit approval or rejection in accordance
sesuai dengan batas wewenang melalui rapat with the limits of authority through the Credit
Komite Kredit. Committee meeting.
Komite Kredit bertanggung jawab untuk: The Credit Committee is responsible for:
1. Melaksanakan tugas terutama dalam pemberian 1. Carry out duties, especially in granting credit
persetujuan kredit berdasarkan kompetensinya approval based on competence, honestly,
secara jujur, objektif, cermat, serta seksama; dan objectively, carefully and carefully; and
2. Menolak permintaan dan/atau pengaruh pihak 2. Refuse request and/or influence from parties with
yang berkepentingan dengan pemohon kredit an interest in the credit applicant to provide credit
untuk memberikan persetujuan kredit yang hanya approval which is only a formality.
bersifat formalitas.
Komite Kredit berwewenang untuk: The Credit Committee has the authority to:
1. Menyetujui atau menolak usulan kredit sesuai 1. Approve or reject credit proposals in accordance
dengan prinsip kehatian-hatian dan asas-asas with the principle of prudence and the principles
pemberian kredit yang sehat; of sound credit;
2. Memutuskan kredit dengan persyaratan dan/atau 2. Decide on credit with certain credit terms and/or
struktur kredit tertentu termasuk persyaratan structures including terms and/or credit structures
dan/atau struktur kredit yang tidak diatur dalam that are not regulated in Credit Regulations,
Peraturan Perkreditan, kecuali persyaratan except for mandatory requirements and/or credit
dan/atau struktur kredit yang wajib dipenuhi structures;
(mandatory);
3. Memutuskan jumlah kredit dengan limit pinjaman 3. Deciding the amount of credit with a loan limit
sesuai dengan Peraturan Direksi No. 7 Tahun 2020 in accordance with Regulation of the Board of
tentang Komite Kredit. Directors No. 7 of 2020 concerning the Credit
Committee.
Laporan Pelaksanaan Kegiatan Komite Report on the Implementation of Credit
Kredit Committee Activities
Pada tahun 2023, Komite Kredit telah melaksanakan In 2023, the Credit Committee has carried out various
berbagai kegiatan, antara lain: activities, including:
1. Komite Kredit Direksi sebanyak 11 (Sebelas); 1. 11 (Eleven) Credit Committee of the Board of
Directors;
2. Komite Kredit Divisi Sebanyak 1 (Satu); 2. 1 (One) Division Credit Committee;
3. Komite Kredit Wilayah sebanyak 30 (Tiga Puluh). 3. 30 (Thirty) Regional Credit Committees.
PT Pegadaian | 2023 Annual Report 539
Page 540
Tata Kelola Perusahaan
Corporate Governance
Komite Aset dan Liabilitas Assets and Liabilities Committee
Komite Aset dan Liabilitas (ALCO) merupakan Komite The Asset and Liability Committee (ALCO) is a
di Kantor Pusat yang berfungsi untuk menetapkan Committee at the Head Office whose function is to set
kebijakan optimalisasi neraca dan laba rugi Perseroan. policies for optimizing the Company’s balance sheet
and profit and loss.
Struktur dan Keanggotaan Structure and Membership
Sejalan dengan Surat Keputusan Direksi No 31 Tahun In line with the Decree of the Board of Directors No.
2022 Tanggal 27 April 2022 tentang Pedoman Asset 31 of 2022 dated April 27, 2022 concerning Guidelines
And Liability Management (ALMA), struktur dan for Asset and Liability Management (ALMA), the
keanggotaan Komite Aset dan Liabilitas adalah Structure and Membership of the Asset and Liability
sebagai berikut: Committee are as follows:
Jabatan Diisi oleh
No
Position Served by
Ketua Direktur Utama
1
Chairman President Director
Ketua Pengganti Direktur Keuangan dan Manejemen Risiko
2
Substitute Head Director of Finance and Risk Management
Sekretaris Kepala Divisi Tresuri
3
Secretary Head of Treasury Division
1. Direktur Utama
2. Direktur Keuangan dan Manajemen Risiko
3. Direktur Pemasaran dan Pengembangan Produk
4. Direktur Jaringan, Operasi dan Penjualan
5. Direktur Teknologi Informasi dan Digital
Anggota (Memiliki hak suara)
4
Member (Have voting rights)
1. President Director
2. Director of Finance and Risk Management
3. Director of Marketing and Product Development
4. Director of Network, Operations and Sales
5. Director of Information Technology and Digital
1. Direktur Umum
2. Direktur Human Capital, Legal & Compliance
3. Kepala Manajemen Risiko
4. Kepala Transformation Office
5. Kepala Satuan Pengawasan Intern
Anggota (Tidak memiliki hak suara)
5
Member (Has no voting rights)
1. Director of General Affairs
2. Director of Human Capital, Legal & Compliance
3. Head of Risk Management
4. Head of Transformation Office
5. Head of Internal Audit Unit
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Jabatan Diisi oleh
No
Position Served by
1. Kepala Divisi Tresuri
2. Kepala Divisi Perencanaan Strategis
3. Kepala Divisi Manajemen Kinerja Perusahaan
4. Kepala Divisi Akuntansi
5. Kepala Divisi Produk Gadai
6. Kepala Divisi Produk Mikro Fidusia
7. Kepala Divisi Produk Emas
8. Kepala Unit Usaha Syariah
9. Kepala Divisi Pemasaran
10. Kepala Divisi Jaringan dan Operasional
11. Kepala Divisi Penjualan
12. Kepala Divisi Kepatuhan
13. Kepala Divisi Risiko Kredit dan Asuransi
14. Kepala Divisi Manajemen Risiko Operasi dan Korporasi
6 Supporting ALCO
1. Head of Treasury Division
2. Head of Strategic Planning Division
3. Head of Company Performance Management Division
4. Head of Accounting Division
5. Head of Pawn Products Division
6. Head of Micro Fiduciary Products Division
7. Head of Gold Products Division
8. Head of Sharia Business Unit
9. Head of Marketing Division
10. Head of Network and Operations Division
11. Head of Sales Division
12. Head of Compliance Division
13. Head of Credit Risk and Insurance Division
14. Head of Operations and Corporate Risk Management Division
Status keanggotaan ALCO bersifat ex-officio bilamana ALCO’s membership status is ex-officio if there is a
terjadi perubahan struktur organisasi Unit Kerja di change in the organizational structure of the Work
Kantor Pusat yang mengakibatkan perubahan nama Unit at the Head Office resulting in a change in the
Unit Kerja dan Pejabat pemegang jabatan di Unit Kerja name of the Work Unit and the official holding the
tersebut, maka susunan keanggotaan ALCO tetap position in the Work Unit, then the composition of
berlaku bagi Pejabat pemegang jabatan yang berubah ALCO’s membership remains in effect for the officer
nama tersebut. holding the position whose name has changed.
Pedoman Kerja Komite Aset dan Liabilitas Assets and Liabilities Committee Work
Guidelines
Komite Aset dan Liabilitas dalam menjalankan tugas
dan tanggung jawabnya mengacu pada Peraturan The Asset and Liability Committee in carrying out
Direksi No. 31 Tahun 2022 tentang Pedoman Asset its duties and responsibilities refers to the Board
and Liability Management (ALMA), kebijakan tersebut of Directors Regulation No. 31 of 2022 concerning
mengatur beberapa hal sebagai berikut: Guidelines for Asset and Liability Management
1. Mengelola risiko-risiko yang mungkin timbul dalam (ALMA), the policy regulates the following matters:
kegiatan bisnis Perusahaan; 1. Manage the risks that may arise in the Company’s
2. Melakukan antisipasi terhadap perubahan internal business activities;
dan eksternal terkait pengelolaan Aset dan 2. Anticipating internal and external changes related
Liabilitas; to the management of Assets and Liabilities;
3. Melakukan pengendalian internal, monitoring dan
evaluasi ketentuan dalam Pedoman ini secara 3. Carry out internal control, monitor and evaluate
berkala guna melakukan perbaikan berkelanjutan the provisions in these Guidelines on a regular
agar Pedoman ini tetap sesuai dengan kebutuhan basis in order to make continuous improvements
Perusahaan. so that these Guidelines remain in accordance with
the needs of the Company.
PT Pegadaian | 2023 Annual Report 541
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Tata Kelola Perusahaan
Corporate Governance
Tugas dan Tanggung Jawab Komite Aset Duties and Responsibilities of the Assets
dan Liabilitas and Liabilities Committee
Tugas dan tanggung jawab Komite Aset dan Liabilitas The duties and responsibilities of the Assets and
antara lain: Liabilities Committee include:
1. Menetapkan strategi dan kebijakan yang berkaitan 1. Establish strategies and policies related to market
dengan risiko pasar, risiko likuiditas dan risiko risk, liquidity risk and financing risk;
pembiayaan;
2. Mengevaluasi posisi aset dan liabilitas Perusahaan; 2. Evaluating the position of the Company’s assets
and liabilities;
3. Melakukan evaluasi harga (pricing) produk 3. Evaluate product prices (pricing) to ensure that
untuk memastikan harga produk tersebut dapat product prices can be competitive and provide
kompetitif dan memberikan hasil yang optimal, optimal results, minimize the cost of funds and
meminimumkan biaya dana dan memelihara maintain a balance sheet structure in accordance
struktur neraca sesuai dengan strategi Asset and with the Company’s Asset and Liability
Liability Management (ALMA) Perusahaan. Management (ALMA) strategy.
Tugas dan tanggung jawab sekretaris ALCO adalah: The duties and responsibilities of the ALCO secretary
are:
1. Menyusun dan mengembangkan skenario tingkat 1. Arrange and develop interest rate scenarios;
suku bunga;
2. Melakukan analisis dan menyediakan data sesuai 2. Perform analysis and provide data according to
dengan kebutuhan ALCO; ALCO’s needs;
3. Mengkoordinir pelaksanaan Rapat Pra ALCO dan 3. Coordinate the implementation of Pre ALCO
Rapat ALCO, antara lain: Meetings and ALCO Meetings, including:
a. Menentukan jadwal Rapat ALCO sesuai dengan a. Determine the ALCO Meeting schedule in
arahan dari Ketua/Ketua Pengganti; accordance with the direction of the Chair/
Alternate Chair;
b. Mereview dan mendistribusikan materi rapat; b. Review and distribute meeting materials;
c. Mengkoordinir peserta rapat. c. Coordinate meeting participants.
4. Mengkoordinir hasil Rapat ALCO. 4. Coordinate ALCO meeting results.
Laporan Pelaksanaan Kegiatan Komite Report on the Implementation of Activities
Aset dan Liabilitas of the Assets and Liabilities Committee
Berdasarkan Laporan Komite Aset dan Liabilitas tahun Based on the 2023 Report of Assets and Liabilities
2023 yang disampaikan kepada Direksi, Komite Aset Committee submitted to the Board of Directors, the
dan Liabilitas telah melakukan kegiatan-kegiatan Assets and Liabilities Committee has carried out the
sebagai berikut: following activities:
1. Pelaksanaan Rapat Komite Aset dan Liabilitas 1. Implementation of the Assets and Liabilities
pada Selasa, 29 Agustus tahun 2023 Committee Meeting on Tuesday, August 29, 2023
2. Agenda Rapat Komite Aset dan Liabilitas: 2. Assets and Liabilities Committee Meeting Agenda:
a. Pemaparan materi Aset dan Liabilitas bulan a. Presentation of Assets and Liabilities material
Agustus 2023 for August 2023
b. Pembahasan Issue dan Rekomendasi terkait b. Discussion of Issues and Recommendations
optimalisasi pendapatan usaha, pengajuan PUB related to optimizing business income, PUB
periode 2024 - 2025, serta rencana aktivitas submissions for the 2024 - 2025 period, as well as
investasi penempatan dana. plans for investment activities for placing funds.
c. Keputusan Komite Aset dan Liabilitas bulan c. Assets and Liabilities Committee Decision in
Agustus 2023 August 2023
3. Keputusan Komite Aset dan Liabilitas : 3. Decision of the Assets and Liabilities Committee:
a. Optimalisasi pendapatan melalui program a. Optimizing revenue through marketing
pemasaran dan tarif khusus untuk merespon programs and special rates to respond to
persaingan competition
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b. Memberikan persetujuan atas Penerbitan b. Provide approval for the issuance of Bonds and
Obligasi dan Sukuk sebagai berikut: Sukuk as follows:
i. Penerbitan Obligasi Tahap V Tahun 2024 i. Issuance of 2024 Phase V Bonds of a
sebesar sebanyak-banyaknya Rp2,7 T maximum of Rp2.7 trillion in Quarter
pada Kuartal 1 Tahun 2024 dengan melihat 1 of 2024 taking into account market
kondisi pasar; conditions;
ii. Penerbitan PUB Obligasi dan Sukuk baru ii. Issuance of new PUB Bonds and Sukuk in
tahun 2024 sebesar sebanyak-banyaknya 2024 amounting to a maximum of Rp20
Rp20 T yang berlaku selama 2 tahun sejak trillion which is valid for 2 years from the
tanggal izin efektif sesuai ketentuan OJK. effective license date in accordance with
c. Tindak lanjut rencana transaksi investasi OJK regulations.
penempatan dana untuk menambah c. Follow up on investment transaction plans
profitabilitas Perusahaan to place funds to increase the Company’s
profitability.
Komite Produk Product Committee
Product Committee is a Committee at the Head
Komite produk adalah Komite di Kantor Pusat yang Office whose function is to determine policies for
berfungsi untuk menetapkan kebijakan pengembangan the development and/or discontinuation of products
dan/atau penghentian produk maupun aktivitas and service activities. In line with Board of Directors’
layanan. Sejalan dengan Peraturan Direksi No. 16 Tahun Regulation No. 16 of 2018 dated August 31, 2018
2018 tanggal 31 Agustus 2018 Struktur Keanggotaan The Product Committee Membership Structure is as
Komite Produk adalah sebagai berikut: follows:
Jabatan Diisi oleh
No
Position Served by
Ketua Direktur Pemasaran & Pengembangan Produk
1
Chairman Director of Marketing & Product Development
Ketua Pengganti Direktur Jaringan, Operasi & Penjualan
2
Substitute Head Director of Network, Operations & Sales
1. Direktur Utama
2. Direktur Teknologi Informasi & Digital
3. Direktur Pemasaran & Pengembangan Produk
4. Direktur Jaringan, Operasi & Penjualan
Anggota (Memiliki hak suara) 5. SEVP Manajemen Risiko
3
Member (Have voting rights) 1. President Director
2. Director of Information Technology & Digital
3. Director of Marketing & Product Development
4. Director of Network, Operations & Sales
5. SEVP Risk Managemen
Sekretaris General Manager yang membidangi Pemasaran
4
Secretary General Manager in charge of Marketing
1. General Manager yang membidangi Pemasaran
2. Kepala SPI
3. General Manager yang membidangi Jaringan & Operasional
4. General Manager yang membidangi Operation & Enterprise Risk
Management
5. General Manager yang membidangi Compliance
6. General Manager yang membidangi Hukum
Anggota (Tidak memiliki hak
7. General Manager/Koordinator Pemilik Produk
suara)
5 8. General Manager/Koordinator Pengusul/Inisiator
Member (Not Having Voting
1. General Manager in charge of Marketing
Rights)
2. Head of SPI
3. General Manager in charge of Network & Operations
4. General Manager in charge of Operation & Enterprise Risk Management
5. General Manager in charge of Compliance
6. General Manager in charge of Law
7. General Manager/Product Owner Coordinator
8. General Manager/Proposer Coordinator/Initiator
PT Pegadaian | 2023 Annual Report 543
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Tata Kelola Perusahaan
Corporate Governance
Pedoman Kerja Komite Produk Product Committee Work Guidelines
Komite Produk dalam menjalankan tugas dan The Product Committee in carrying out its duties
tanggung jawabnya mengacu pada Peraturan Direksi and responsibilities refers to the Board of Directors
No. 16 Tahun 2018 kebijakan tersebut mengatur Regulation No. 16 of 2018 the policy regulates several
beberapa hal terkait dengan: matters related to:
1. Definisi 1. Definition
2. Wewenang, Tugas dan Tanggung Jawab Komite 2. Authorities, Duties and Responsibilities of the
Produk Product Committee
3. Susunan Keanggotan Komite Produk 3. Product Committee Membership Composition
4. Tata Cara Rapat Komite Produk. 4. Product Committee Meeting Procedures.
Wewenang Komite Produk Product Committee Authorities
Wewenang Komite Produk adalah memutuskan The authority of the Product Committee is to decide
dan menetapkan kebijakan pengembangan atau and determine policies for the development or
penghentian produk dan aktivitas Iayanan. Tugas dan discontinuation of products and service activities.
Tanggung Jawab Komite Produk Product Committee Duties and Responsibilities
1. Mengevaluasi dan memutuskan usulan 1. Evaluate and decide on new product development
pengembangan produk dan aktivitas layanan baru proposals and service activities
2. Mengevaluasi kinerja produk dan aktivitas layanan 2. Evaluating the performance of existing product
eksisting and service activities
3. Mengevaluasi dan memutuskan usulan penghentian 3. Evaluate and decide on product discontinuation
produk. proposals.
Laporan Pelaksanaan Komite Produk Product Committee Activity
Implementation Report
Komite Produk secara berkala melakukan evaluasi The Product Committee periodically evaluates
terhadap rencana pengembangan yang akan development plans to be carried out by the Product
dilakukan oleh Product Owner (Produk Gadai, Produk Owner (Pawn Products, Gold Products, Micro &
Emas, Produk Mikro & Fidusia, Unit Usaha Syariah, dan Fiduciary Products, Sharia Business Units, and Digital
Digital Lending) terkait dengan pengembangan fitur Lending) related to the development of new features
baru maupun layanan baru. Setelah melakukan analisis and new services. After conducting a thorough analysis
menyeluruh terhadap potensi pasar, persaingan, of market potential, competition, and conformity
dan kesesuaian dengan strategi perusahaan (RJPP) with the company’s Long Term Plan (RJPP) strategy,
Rencana Jangka Panjang Perusahaan, Komite Produk the Product Committee makes decisions regarding
membuat keputusan tentang usulan pengembangan the proposed development to be carried out by the
yang akan dilakukan oleh Product Owner. Keputusan Product Owner. This decision considers the risks
ini mempertimbangkan resiko dan peluang terkait and opportunities related to the product and service
dengan pengembangan produk dan layanan yang development that will be implemented.
akan dilakukan.
Komite Produk secara rutin melakukan evaluasi The Product Committee routinely evaluates the
terhadap kinerja produk dan layanan yang sudah ada performance of existing products and services in
dalam portofolio produk-produk Pegadaian. Evaluasi Pegadaian’s product portfolio. This evaluation includes
ini mencakup analisis terhadap penjualan, kepuasan analysis of sales, customer satisfaction, market
pelanggan, feedback pasar, dan perbandingan feedback, and comparison with competitors. Based on
dengan kompetitor. Berdasarkan hasil evaluasi the result of this evaluation, the Product Committee
tersebut, Komite Produk membuat keputusan terkait makes decisions regarding improvement and further
dengan peningkatan, pengembangan lebih lanjut, development to provide added value for Pegadaian.
untuk memberikan nilai tambah bagi Pegadaian.
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Selain melakukan evaluasi kinerja produk dan layanan In addition to evaluating the performance of existing
eksisting, Komite Produk bertanggung jawab untuk products and services, the Product Committee is
menilai usulan penghentian produk yang diajukan oleh responsible for assessing product discontinuation
Product Owner maupun stakeholder. Proses inipun suggestions submitted by the Product Owner and
dilakukan analisis mendalam terhadap kontribusi stakeholders. This process also implement an in-
finansial, strategis, serta dampak terhadap citra depth analysis of the financial, strategic contribution
merek Pegadaian. Komite Produk mempertimbangkan and impact on Pegadaian’s brand image. The Product
semua faktor untuk memutuskan apakah akan tetap Committee considers all factors to decide whether to
dipertahankan, dimodifikasi, maupun dihentikan retain, modify, or discontinue altogether.
keseluruhan
Komite Investasi dan Belanja Modal Investment and Capital Committee
Komite Investasi dan Belanja Modal merupakan Komite Investment and Capital Committee is a Committee
di Kantor Pusat yang bertanggung jawab untuk at the Head Office which is responsible for providing
memberikan putusan dan /atau rekomendasi dengan decisions and/or recommendations with a scope
ruang lingkup yaitu terkait kegiatan aksi korporasi, related to corporate action activities, management
pengelolaan perusahaan Anak, dan pengeluaran of subsidiary companies, and capital expenditure.
belanja modal. Sejalan dengan Peraturan Direksi No. In line with Regulation of the Board of Directors No.
80 Tahun 2023 tanggal 09 November 2023, Struktur 80 of 2023 dated November 9, 2023, the Structure
dan Keanggotaan Komite Investasi dan Belanja Modal and Membership of the Investment and Capital
sebagai berikut: Expenditure Committee are as follows:
Jabatan Diisi oleh
No
Position Served by
Ketua Direktur Keuangan & Perencanaan Strategis
1
Chairman Director of Finance & Strategic Planning
1. Direktur Utama
2. Direktur Keuangan & Perencanaan Strategis
3. Direktur Teknologi Informasi & Digital
4. Direktur Human Capital
5. Direktur Pemasaran dan Pengambangan Produk
6. Direktur Jaringan, Operasi & Penjualan
7. Direktur Umum
Anggota Tetap (Voting Member) 8. Direktur Manajemen Risiko, Legal dan Kepatuhan
2
Permanent Member (Voting Member) 1. President Director
2. Director of Finance & Strategic Planning
3. Director of Information Technology & Digital
4. Director of Human Capital
5. Director of Marketing and Product Development
6. Director of Network, Operations & Sales
7. Director of General Affairs
8. Director of Risk Management, Legal and Compliance
Sekretaris Kepala Unit Kerja yang membidangi Perencanaan Strategis
3
Secretary Head of Work Unit in charge of Strategic Planning
PT Pegadaian | 2023 Annual Report 545
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Tata Kelola Perusahaan
Corporate Governance
Jabatan Diisi oleh
No
Position Served by
1. Kepala Transformation Office
2. Kepala Satuan Pengawas Intern
3. Kepala Divisi Perencanaan Strategis
4. Kepala Divisi Tresuri
5. Kepala Divisi Akuntansi
6. Kepala Divisi MROK
7. Kepala Divisi Kepatuhan
8. Kepala Divisi Hukum
Anggota Tetap (Non-Voting Member)
9. Kepala Divisi Pengadaan dan Logistik
4 Permanent Members (Non-Voting
1. Head of Transformation Office
Member)
2. Head of Internal Supervisory Unit
3. Head of Strategic Planning Division
4. Head of Treasury Division
5. Head of Accounting Division
6. Head of MROK Division
7. Head of Compliance Division
8. Head of Legal Division
9. Head of Procurement and Logistics Division
Anggota Tidak Tetap (Non-Voting
Kepala Unit Kerja/setingkat yang diundang terkait dengan materi yang
Member)
5 diusulkan.
Non-Permanent Members (Non-
Head of Work Unit/level who is invited regarding the proposed material.
Voting Member)
Pedoman Kerja Komite Investasi dan Investment and Capital Committee Work
Belanja Modal Guidelines
Komite Investasi dan Kapital dalam menjalankan tugas In carrying out its duties and responsibilities, the
dan tanggung jawabnya mengacu pada Peraturan Investment and Capital Committee refers to Regulation
Direksi No. 80 Tahun 2023, kebijakan tersebut of the Board of Directors No. 80 of 2023, this policy
mengatur beberapa hal terkait dengan: regulates several matters related to:
1. Fungsi Pokok, Wewenang, Tugas, dan Tanggung 1. Main Functions, Authorities, Duties and
Jawab Komite Investasi & Belanja Modal. Responsibilities of the Investment & Capital
Committee.
2. Keanggotaan Komite Investasi & Belanja Modal. 2. Membership of the Investment & Capital
Committee.
3. Tata Cara Rapat Komite Investasi & Belanja Modal. 3. Procedures for Investment & Capital Committee
Meetings.
Tugas dan Tanggung Jawab Komite Investment and Capital Committee Duties
Investasi dan Belanja Modal and Responsibilities
1. Membahas, menetapkan dan merekomendasikan 1. Discuss, determine and make recommendations
Terkait Belanja Modal Perusahaan dan Perusahaan regarding the Company’s and Subsidiaries’ Capital
Anak. Expenditures.
2. Membahas, menetapkan dan merekomendasikan 2. Discuss, determine and recommend related
terkait Aksi Korporasi. Corporate Actions.
3. Membahas, menetapkan dan mengevaluasi Terkait 3. Discuss, determine and evaluate related to the
Pengelolaan Perusahaan Anak. management of subsidiary companies.
Laporan Pelaksanaan Kegiatan Komite Report on the Implementation of Capital
Investasi dan Belanja Modal and Investment Committee Activities
Berdasarkan Laporan Komite Investasi dan Belanja Based on the 2023 Investment and Capital Committee
Modal tahun 2023 yang disampaikan kepada Direksi, Report submitted to the Board of Directors, the
Komite Investasi dan Modal telah melakukan kegiatan- Investment and Capital Committee has carried out the
kegiatan sebagai berikut: following activities:
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Tanggal Pelaksanaan
No Agenda
Implementation Date
Persetujuan Pelaksanaan Fase II Divestasi Perusahaan Anak PT Pegadaian
21 Maret 2023
1 Approval for Implementation of Phase II Divestment of Subsidiary Company PT
March 21, 2023
Pegadaian
Persetujuan Timeline Pelaksanaan Project Blossom dan Pengiriman Non-Binding
21 Maret 2023 Offer (“NBO”)
2
March 21, 2023 Approval of Project Blossom Implementation Timeline and Delivery of Non-
Binding Offer (“NBO”)
Persetujuan Penyampaian Binding Offer /Final Offer Kepada Seller Terkait
16 Mei 2023 Pelaksanaan Project Blossom
3
May 16, 2023 Approval of Submitting the Binding Offer / Final Offer to the Seller Regarding
the Implementation of Project Blossom
13 Juni 2023 Persetujuan Pelaksanaan Standarisasi Outlet Tahun 2023
4
June 13, 2023 Approval for the Implementation of Outlet Standardization in 2023
Modernisasi Jaringan Operasional Outlet dengan Teknologi SD-WAN (Phase IV)
25 Agustus 2023
5 Modernization of Outlet Operational Networks with SD-WAN Technology (Phase
August 25, 2023
IV)
7 November 2023 Modernisasi Perangkat Server dan Storage Core dan MIS
6
November 7, 2023 Modernization of Server and Storage Core and MIS Devices
Komite Human Capital Human Capital Committee
Komite Human Capital dibentuk guna membantu The Human Capital Committee was formed to assist
Direksi dalam memberikan keputusan strategis the Board of Directors in providing strategic and
maupun operasional dalam pengelolaan SDM yang operational decisions in HR management which
harus dilakukan secara profesional dan sesuai dengan must be fulfilled professionally and in accordance
Prinsip Governansi Perusahaan. Sejalan dengan Surat with the Company’s Governance Principles. In line
Peraturan Direksi No. 121 Tahun 2021 tanggal 6 Oktober with Regulation of the Board of Directors No. 121 of
2021 tentang Komite Human Capital, Struktur, Tugas, 2021 dated October 6, 2021 concerning the Human
Wewenang dan Tanggung Jawab Komite Human Capital Committee, the Structure, Duties, Authority
Capital ini meliputi: and Responsibilities of the Human Capital Committee
include:
1. Komite Human Capital Sub Bidang Kebijakan 1. Human Capital Committee, Human Capital
Human Capital; Tugas, wewenang dan tanggung Policy Sub Sector; The duties, authority and
jawab Komite unit Human Capital sub bidang responsibilities of the Human Capital Unit
Kebijakan Human Capital meliputi namun tidak Committee in the Human Capital Policy sub-sector
terbatas pada: include but are not limited to:
a. Menetapkan prioritas strategi pengembangan, a. Determine development strategy priorities,
arah kebijakan dan peningkatan kualitas human policy direction and improve the quality of the
capital Perusahaan; Company’s human capital;
b. Menetapkan kebijakan strategis, man power b. Establish strategic policies, manpower
planning, manajemen karier dan corporate planning, career management and corporate
culture; culture;
c. Menetapkan remunerasi Dewan Komisaris dan c. Determine the remuneration of the Company’s
Direksi Perusahaan; Board of Commissioners and Board of
Directors;
d. Menetapkan remunerasi Karyawan. d. Determine employee remuneration.
2. Komite Human Capital Sub Bidang Kinerja 2. Human Capital Committee, Individual Performance
Individu; Tugas, wewenang dan tanggung jawab Sub-Sector; The duties, authority and
Komite Human Capital sub bidang Kinerja Individu responsibilities of the Human Capital Committee in
meliputi namun tidak terbatas pada: the Individual Performance sub-sector include but
are not limited to:
PT Pegadaian | 2023 Annual Report 547
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Tata Kelola Perusahaan
Corporate Governance
a. Melakukan penetapan akhir performance a. Carry out final determination of performance
appraisal yang sesuai ruang lingkup dan appraisal according to scope and
tanggung jawabnya. responsibilities.
b. Memberikan penetapan langsung terhadap hasil b. Providing direct determination of performance
performance appraisal yang belum disepakati appraisal results that have not been agreed
antara karyawan dan atasan langsung. upon between employees and direct superiors.
3. Komite Human Capital Sub Bidang Talent; Tugas, 3. Talent Sub-Sector Human Capital Committee; The
wewenang dan tanggung jawab Komite Human duties, authority and responsibilities of the Human
Capital sub bidang Talent meliputi: Capital Committee in the Talent sub-sector include:
a. Menetapkan mutasi karyawan; a. Determine employee transfers;
b. Menetapkan Calon Direktur dan/atau Calon b. Determine Director Candidates and/or Board
Dewan Komisaris Anak Perusahaan; of Commissioners Candidates for Subsidiaries;
c. Menetapkan Pengurus dan/atau Dewan c. Determine the Management and/or Supervisory
Pengawas Badan Hukum Terafiliasi Perusahaan; Board of Company Affiliated Legal Entities;
d. Membahas Talent Review Karyawan namun d. Discusses Employee Talent Review but is not
tidak terbatas pada pembahasan Talent Cluster, limited to discussing Talent Clusters, Talent
Talent Pool, dan Succession Plan. Pools, and Succession Plans.
4. Komite Human Capital Sub Bidang Etik; Tugas, 4. Ethics Sub-Sector Human Capital Committee;
wewenang dan tanggung jawab Komite Human The duties, authority and responsibilities of the
Capital sub bidang Etik terkait penetapan bidang Human Capital Committee in the Ethics sub-sector
hubungan kepegawaian yang meliputi dan/ atau regarding determining the field of employment
tidak terbatas pada: relations include and/or are not limited to:
a. Membahas LHPP dari SPI; a. Discussing LHPP from SPI;
b. Menguji keabsahan Alat Bukti; b. Testing the validity of Evidence;
c. Meneliti kasus Pelanggaran; c. Examining Violation cases;
d. Membuat suatu kesimpulan atas suatu kasus d. Make a conclusion regarding a violation case
Pelanggaran yang terjadi disertai dengan that occurred accompanied by a conclusion
kesimpulan mengenai Pelaku atas kasus regarding the perpetrator of the violation case
Pelanggaran tersebut serta ketentuan- and the provisions he violated;
ketentuan yang dilanggarnya;
e. Memberikan rekomendasi penjatuhan atau e. Provide recommendations for the imposition or
pembebasan Sanksi atau tindak lanjut lainnya release of sanctions or other follow-up actions
yang dianggap perlu. deemed necessary.
5. Komite Human Capital Sub Bidang Evaluasi 5. Human Capital Committee, Position Evaluation
Jabatan. Tugas, wewenang dan tanggung jawab Sub-Sector. The duties, authorities, and
Komite Human Capital sub bidang Evaluasi responsibilities of the Human Capital Committee in
Jabatan meliputi: the Job Evaluation sub-sector include:
a. Membahas mengenai tugas, tanggung jawab, a. Discusses the duties, responsibilities, and
dan wewenang suatu jabatan; authorities of a position;
b. Membahas mengenai spesifikasi jabatan; b. Discusses job specifications;
c. Menetapkan Job Grade pada suatu jabatan; c. Assigning Job Grade to a position;
d. Melakukan evaluasi tugas, tanggung jawab, d. Evaluate the duties, responsibilities and
dan wewenang serta spesifikasi suatu authority as well as the specifications of a
jabatan sekurang-kurangnya 2 tahun sekali position at least once every 2 years.
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HUMAN CAPITAL
MANAGEMENT
Komite Human Capital
Human Capital Committee
Sub Bidang Kinerja Individu Sub Bidang Talent
Sub Sector of Individual Performance Sub Sector of Talent
Sub Bidang Etik Sub Bidang Evaluasi Jabatan
Sub Sector of Ethics Sub Sector of Position Evaluation
Sub Bidang Kebijakan Human Capital
Sub Sector of Human Capital Policy
Visi, Misi & Value Perusahaan
Vision, Mission, & Corporate Value
Laporan Pelaksanaan Kegiatan Komite Report on the Implementation of Human
Human Capital Capital Committee Activities
Berdasarkan Laporan Komite Human Capital tahun Based on the 2023 Human Capital Committee Report
2023 yang disampaikan kepada Direksi, Komite submitted to the Board of Directors, the Human Capital
Human Capital telah melakukan kegiatan-kegiatan Committee has carried out the following activities:
sebagai berikut:
Tanggal Pelaksanaan
No Agenda
Implementation Date
Rapat Komite Human Capital Sub Bidang Kebijakan Human Capital Remunerasi
17 Januari 2023 Karyawan
1
January 17, 2023 Human Capital Committee Meeting, Human Capital Policy Sub-Sector, Employee
Remuneration
Rapat Komite Human Capital Sub Bidang Kebijakan Human Capital Remunerasi
10 Maret 2023 Karyawan
2
March 10, 2023 Human Capital Committee Meeting, Human Capital Policy Sub-Sector, Employee
Remuneration
Rapat Komite Human Capital Sub Bidang Kebijakan Human Capital Remunerasi
13 Juni 2023 Karyawan
3
June 13, 2023 Human Capital Committee Meeting, Human Capital Policy Sub-Sector, Employee
Remuneration
Rapat Komite Human Capital Sub Bidang Kinerja Individu Kantor Pusat
23 Februari 2023
4 Human Capital Committee Meeting, Individual Performance Sub Sector, Head
February 23, 2023
Office
Rapat Komite Human Capital Sub Bidang Kinerja Individu Kantor Wilayah
22 Februari 2023
5 Human Capital Committee Meeting, Individual Performance Sub Sector, Regional
February 22, 2023
Office
PT Pegadaian | 2023 Annual Report 549
Page 550
Tata Kelola Perusahaan
Corporate Governance
Tanggal Pelaksanaan
No Agenda
Implementation Date
Rapat Komite Human Capital Sub Bidang Talent pada Karyawan PG 11-13 Kantor
13 Juli 2023 Wilayah
6
July 13, 2023 Human Capital Committee Meeting for Talent Sub Sector for PG 11-13 Regional
Office Employees
Rapat Komite Human Capital Sub Bidang Talent pada Karyawan PG 11-13 Kantor
25 Juli 2023 Pusat
7
July 25, 2023 Human Capital Committee Meeting for Talent Sub-Sector for PG 11-13 Head
Office Employees
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
2 Januari 2023 Kelompok Jabatan Middle Management I dan lI Secara Sirkuler
1
January 2, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in Middle Management Position Groups I and LI
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
6 Februari 2023 Kelompok Jabatan Middle Management I Secara Sirkuler
2
February 6, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in Middle Management Position Group I
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
2 Maret 2023 Kelompok Jabatan First Line Management dan Clerk Secara Sirkuler
3
March 2, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in the First Line Management and Clerk Position Groups
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
16 Maret 2023 Kelompok Jabatan Middle Management I dan II Secara Sirkuler
5
March 16, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in Middle Management Position Groups I and II
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
17 Maret 2023 Kelompok Jabatan Middle Management I Secara Sirkuler
6
March 17, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in Middle Management Position Group I
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
8 Mei 2023 Kelompok Jabatan Middle Management I Secara Sirkuler
7
May 8, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in Middle Management Position Group I
Rapat Komite Human Capital Sub Bidang Talent tentang Kenaikan Person Grade
Setelah Demosi untuk Karyawan pada Kelompok Jabatan Middle Management I
11 Mei 2023 dan II Secara Sirkuler
8
May 11, 2023 Human Capital Committee Meeting, Talent Sub-Sector, Concerning Person
Grade Increases After Demotions for Employees in Middle Management Position
Groups I and II Circularly
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
15 Juni 2023 Kelompok Jabatan First Line Management dan Clerk Secara Sirkuler
9
June 15, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in the First Line Management and Clerk Position Groups
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
16 Juni 2023 Kelompok Jabatan Clerk & First Line Management Secara Sirkuler
10
June 16, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in the Clerk & First Line Management Position Group
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
5 Juli 2023 Kelompok Jabatan Middle Management I dan II Secara Sirkuler
11
July 5, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in Middle Management Position Groups I and II
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
13 Juli 2023 Kelompok Jabatan First Line Management dan Clerk Secara Sirkuler
12
July 13, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in the First Line Management and Clerk Position Groups
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
25 Juli 2023 Kelompok Jabatan Clerk & First Line Management Secara Sirkuler
13
July 25, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in the Clerk & First Line Management Position Group
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Tanggal Pelaksanaan
No Agenda
Implementation Date
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
10 Agustus 2023 Kelompok Jabatan Middle Management I dan II Secara Sirkuler
14
August 10, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in Middle Management Position Groups I and II
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
22 Agustus 2023 Kelompok Jabatan Middle Management I dan II Secara Sirkuler
16
August 22, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in Middle Management Position Groups I and II
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
23 Agustus 2023 Kelompok Jabatan First Line Management dan Clerk Secara Sirkuler
17
August 23, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in the First Line Management and Clerk Position Groups
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
29 Agustus 2023 Kelompok Jabatan Middle Management I dan II Secara Sirkuler
18
August 29, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in Middle Management Position Groups I and II
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
14 September 2023 Kelompok Jabatan Middle Management I dan Il Secara Sirkuler
19
September 14, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in Middle Management Position Groups I and II
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
15 September 2023 Kelompok Jabatan Middle Management I Secara Sirkuler
20
September 15, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in Middle Management Position Group I
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
18 September 2023 Kelompok Jabatan First Line Management Secara Sirkuler
21
September 18, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in the First Line Management Position Group
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
3 Oktober 2023 Kelompok Jabatan Clerk Secara Sirkuler
22
October 3, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in the Clerk Position Group
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
5 Oktober 2023 Kelompok Jabatan Clerk dan First Line Management Secara Sirkuler
23
October 5, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in the Clerk and First Line Management Position Groups
Rapat Komite Human Capital Sub Bidang Talent tentang Kenaikan Person Grade
Setelah Demosi untuk Karyawan pada Kelompok Jabatan Middle Management
16 Oktober 2023 Secara Sirkuler
24
October 16, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding
Person Grade Increases After Circular Demotions for Employees in the Middle
Management Position Group
Rapat Komite Human Capital Sub Bidang Talent tentang Kenaikan Person Grade
Setelah Demosi untuk Karyawan pada Kelompok Jabatan Clerk dan First Line
16 Oktober 2023 Management Secara Sirkuler
25
October 16, 2023 Human Capital Committee Meeting in the Talent Sub Sector regarding Person
Grade Increases After Demotions for Employees in the Clerk and First Line
Management Position Groups Circularly
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
30 Oktober 2023 Kelompok Jabatan Middle Management I dan Il Secara Sirkuler
26
October 30, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in Middle Management Position Groups I and II
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
15 November 2023 Kelompok Jabatan Middle Management I dan Il
27
November 15, 2023 Talent Sub-Sector Human Capital Committee Meeting regarding Employee
Transfers in Middle Management Position Groups I and Il
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Tata Kelola Perusahaan
Corporate Governance
Tanggal Pelaksanaan
No Agenda
Implementation Date
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
2 November 2023 Kelompok Jabatan First Line Management dan Clerk Secara Sirkuler
28
November 2, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in the First Line Management and Clerk Position Groups
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
20 November 2023 Kelompok Jabatan Senior Management secara Sirkuler
29
November 20, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees to Senior Management Position Groups
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
23 November 2023 Kelompok Jabatan Senior Management Secara Sirkuler
30
November 23, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees to Senior Management Position Groups
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
4 Desember 2023 Kelompok Jabatan First Line Management Secara Sirkuler
31
December 4, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in the First Line Management Position Group
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
5 Desember 2023 Kelompok Jabatan Middle Management I dan Il Secara Sirkuler
32
December 5, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in Middle Management Position Groups I and II
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
14 Desember 2023 Kelompok Jabatan Middle Management I Secara Sirkuler
33
December 14, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in Middle Management Position Group I
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
19 Desember 2023 Kelompok Jabatan Clerk & First Line Management Secara Sirkuler
34
December 19, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in the Clerk & First Line Management Position Group
Rapat Komite Human Capital Sub Bidang Talent tentang Mutasi Karyawan pada
28 Desember 2023 Kelompok Jabatan Middle Management I Secara Sirkuler
35
December 28, 2023 Human Capital Committee Meeting in the Talent Sub-Sector regarding Circular
Transfers of Employees in Middle Management Position Group I
Komite Teknologi Informasi Information Technology Committee
Komite Teknologi lnformasi atau Komite TI dibentuk The Information Technology Committee or IT
untuk memutuskan dan menetapkan kebijakan Committee was formed to decide and determine
Proyek Teknologi lnformasi baik berupa inisiatif Information Technology Project policies, both in the
strategis teknologi informasi maupun non inisiatif form of information technology strategic initiatives
strategis teknologi dalam lingkungan Perseroan. and nontechnological strategic initiatives within the
Sejalan dengan Peraturan Direksi No. 86 Tahun 2022 Company. In line with Regulation of the Board of
tanggal 12 Desember 2022 tentang Pedoman Komite Directors No. 86 of 2022 dated December 12, 2022
Teknologi Informasi, susunan keanggotaan Komite TI concerning Information Technology Committee
adalah sebagai berikut: Guidelines, the composition of the IT Committee
membership is as follows:
Jabatan Diisi oleh
No
Position Served by
Ketua Direktur Utama
1
Chairman President Director
Wakil Ketua Direktur Teknologi Informasi & Digital
2
Vice Chairman Director of Information Technology & Digital
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Jabatan Diisi oleh
No
Position Served by
1. Direktur Utama
2. Direktur Teknologi Informasi & Digital
3. Direktur Pemasaran & Pengembangan Produk
4. Direktur Jaringan, Operasi & Penjualan
5. Direksi Sumber Daya Manusia
6. Direktur Keuangan dan Perencanaan Strategis
7. Direktur Umum
8. SEVP Manajemen Risiko
9. SEVP Transformation Office
Anggota (Voting Member) 10. Kepala Satuan Pengawasan Intern
3
Members (Voting Member) 1. President Director
2. Director of Information Technology & Digital
3. Director of Marketing & Product Development
4. Director of Network, Operations & Sales
5. Director of Human Resources
6. Director of Finance and Strategic Planning
7. Director of General Affairs
8. SEVP Risk Management
9. SEVP Transformation Office
10. Head of Internal Audit Unit
Sekretaris Kepala Divisi Strategi Arsitektur & Perencanaan TI
4
Secretary Head of IT Architecture & Planning Division
1. Pejabat satu tingkat di bawah Direksi (Kepala Divisi) yang memimpin Satuan
Kerja Bisnis, Satuan Kerja Business Support, Satuan Kerja Corporate Support, dan
Satuan Pengawasan intern.
Anggota (Tidak Memiliki Hak 2. Kehadiran pejabat satu tingkat di bawah Direksi dalam Rapat Komite Teknologi
Suara) lnformasi disesuaikan dengan permasalahan yang dibahas
5
Member (Not Having Voting 1. An official at one level below the Board of Directors (Head of Division) who leads
Rights) the Business Work Unit, Business Support Work Unit, Corporate Support Work
Unit, and Internal Control Unit.
2. The presence of officials one level below the Board of Directors in Information
Technology Committee meetings is adjusted to the issues discussed
Pedoman Kerja Komite TI IT Committee Work Guidelines
Komite TI dalam menjalankan tugas dan tanggung The IT Committee in carrying out its duties and
jawabnya mengacu pada Peraturan Direksi No. 86 Tahun responsibilities refers to the Board of Directors
2022 tanggal 12 Desember 2022 tentang Pedoman Regulation No. 86 of 2022 dated 12 December 2022
Komite Teknologi Informasi. Kebijakan tersebut concerning Guidelines for the Information Technology
mengatur beberapa hal terkait dengan wewenang, Committee. The policy regulates several matters
tugas, tanggung jawab, susunan keanggotaan dan related to the authority, duties, responsibilities,
tata cara rapat Komite Teknologi Informasi. membership structure and procedures for meeting the
Information Technology Committee.
Tugas dan Tanggung Jawab Komite TI IT Committee Duties and Responsibilities
Tugas dan Tanggung Jawab Komite TI Tugas dan The duties and responsibilities of the IT Committee
tanggung jawab Komite TI antara lain: include:
1. Menentukan prioritas dan melakukan penilaian 1. Determining priorities and conducting risk
risiko terhadap pelaksanaan proyek teknologi assessments on the implementation of information
informasi baik Inisiatif Strategis atau Non Inisiatif technology projects, both Strategic Initiatives and
Strategis yang harus diselesaikan oleh Unit Kerja Non-Strategic Initiatives that must be completed
yang membidangi Teknologi Informasi; by the Work Unit in charge of Information
Technology;
2. Mengevaluasi dan memutuskan usulan proyek 2. Evaluate and decide on new Information
Teknologi Informasi baru; Technology project proposals;
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Tata Kelola Perusahaan
Corporate Governance
3. Mengevaluasi kinerja pelaksanaan proyek 3. Evaluating the performance of existing Information
Teknologi Informasi eksisting; Technology project implementation;
4. Mengevaluasi kinerja pelaksanaan proyek 4. Evaluate the performance of Information
Teknologi Informasi; Technology project implementation;
5. Memastikan pelaksanaan proyek Teknologi 5. Ensuring that the implementation of Information
Informasi sejalan dengan regulasi yang berlaku di Technology projects is in line with the regulations
Perusahaan; in force in the Company;
6. Melakukan pemantauan terhadap pelaksanaan 6. Monitor the implementation of Information
proyek Teknologi Informasi; Technology projects;
7. Memberikan saran, solusi dan kebijakan atas 7. Provide advice, solutions and policies on problems
permasalahan yang timbul dan dihadapi dalam that arise and are faced in the implementation of
pelaksanaan proyek Teknologi Informasi; Information Technology projects;
8. Mengevaluasi dan memutuskan terhadap 8. Evaluate and decide on data governance
pengelolaan tata kelola data; management;
9. Memberikan rekomendasi terkait antara lain namun 9. Provide related recommendations, including but
tidak terbatas pada : not limited to:
a. Rencana pengembangan Teknologi Informasi a. Information Technology development plans
yang sejalan dengan kegiatan usaha that are in line with the Company’s business
Perusahaan; activities;
b. Perumusan kebijakan dan prosedur Teknologi b. Formulation of Information Technology policies
Informasi; and procedures;
c. Kesesuaian Teknologi Informasi dengan c. Compatibility of Information Technology with
kebutuhan sistem informasi serta kebutuhan the needs of information systems and the
kegiatan usaha; needs of business activities;
d. Kesesuaian proyek Teknologi Informasi yang d. Conformity of the approved Information
disetujui dengan rencana pengembangan Technology project with the Information
Teknologi Informasi; Technology development plan;
e. Kesesuaian pelaksanaan proyek Teknologi e. Conformity of Information Technology project
Informasi dengan proyek Teknologi Informasi implementation with the approved Information
yang disetujui; Technology project;
f. Kesesuaian Teknologi Informasi dengan f. Compatibility of Information Technology with
kebutuhan sistem informasi manajemen serta the needs of management information systems
kebutuhan kegiatan usaha LJKNB; and the needs of NBFI business activities;
g. Efektivitas mitigasi risiko atas investasi g. The effectiveness of risk mitigation on the
Perusahaan pada sektor Teknologi Informasi Company’s investment in the Information
agar investasi Perusahaan pada sektor Technology sector so that the Company’s
Teknologi Informasi memberikan kontribusi investment in the Information Technology
terhadap pencapaian tujuan bisnis Perusahaan; sector contributes to the achievement of the
Company’s business objectives;
h. Pemantauan atas kinerja Teknologi Informasi h. Monitoring of Information Technology
dan upaya peningkatan kinerja Teknologi performance and efforts to improve Information
Informasi; Technology performance;
i. Upaya penyelesaian berbagai masalah i. Efforts to resolve various problems related
terkait Teknologi Informasi yang tidak dapat to Information Technology that cannot
diselesaikan oleh satuan kerja pengguna dan be resolved by work units of Information
penyelenggara Teknologi Informasi secara Technology users and operators in an effective,
efektif, efisien dan tepat waktu; efficient and timely manner;
j. Kecukupan dan alokasi sumber daya Teknologi j. Adequacy and allocation of Information
Informasi yang dimiliki. Technology resources owned.
Sementara, wewenang Komite Teknologi Informasi Meanwhile, the authority of the Information Technology
adalah memutuskan dan menetapkan kebijakan Committee is to decide and establish policies for the
pelaksanaan proyek Teknologi Informasi baik berupa implementation of Information Technology projects,
inisiatif strategis maupun non inisiatif termasuk both in the form of strategic initiatives and non-
penambahan dan penghentian proyek Teknologi initiatives, including the addition and termination of
Informasi. Information Technology projects;
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Laporan Pelaksanaan Kegiatan Komite TI IT Committee Activities Implementation
Report
Berdasarkan Laporan Komite TI tahun 2023 yang Based on the 2023 IT Committee Report submitted to
disampaikan kepada Direksi, Komite TI telah melakukan the Board of Directors, the IT Committee has carried
kegiatan-kegiatan sebagai berikut: out the following activities:
Tanggal Pelaksanaan
No Agenda
Implementation Date
8 Februari 2023 Penghapusan Data Anomali pada Aplikasi PDS & PSDS (Unlink CIF)
1
February 8, 2023 Removing Anomalous Data on PDS & PSDS Applications (Unlink CIF)
8 Februari 2023 Persetujuan pergeseran Proker BAU Mandatory Q1 squad Gadai
2
February 8, 2023 Approval of the shift to the BAU Mandatory Q1 Pawn Squad Work Program
Peraturan Direksi tentang Standarisasi End Point (Hardware, Software, Security
29 Mei 2023 Tools)
3
May 29, 2023 Regulation of the Board of Directors on End Point Standardization (Hardware,
Software, Security Tools)
Persetujuan pembentukan Data Protection Officer (DPO) dalam bentuk Team Task
29 Mei 2023 Force.
4
May 29, 2023 Approval of the establishment of Data Protection Officer (DPO) in the form of Team
Task Force.
Penambahan Peraturan Perlindungan Data Pribadi dalam Peraturan Direksi Nomor
29 Mei 2023 121 Tahun 2020 Tentang Kebijakan Umum Teknologi Informasi.
5
May 29, 2023 Addition of Personal Data Protection Regulation in Regulation of the Board of
Directors No. 121 of 2020 concerning General Information Technology Policy.
29 Mei 2023 Perubahan Kebijakan Data Governance (Pemisahan Hal Strategis dan Teknis).
6
May 29, 2023 Changes to Data Governance Policy (Separation of Strategic and Technical Matters).
29 Mei 2023 Tunggalisasi Terhadap 128,172 CIF (Penonaktifan CIF).
7
May 29, 2023 Singleization of 128,172 CIF (CIF Deactivation).
29 Mei 2023 Penghapusan dan pergeseran program kerja Q3-Q4 untuk 11 BAU (Non Mandatory)
8
May 29, 2023 Deletion and shift of Q3-Q4 work program for 11 BAU (Non Mandatory)
Perubahan Peraturan Direksi Nomor 51 Tahun 2021 tentang Pedoman Pengelolaan
15 Agustus 2023 User ID & Password
9
August 15, 2023 Changes to Regulation of the Board of Directors No. 51 of 2021 concerning User ID &
Password Management Guidelines
Perubahan Peraturan Direksi No.50 Tahun 2022 tentang Pedoman Pengelolaan Data
15 Agustus 2023 Pribadi Nasabah
10
August 15, 2023 Changes to Regulation of the Board of Directors No. 50 of 2022 concerning
Guidelines for Managing Customer Personal Data
Perubahan Peraturan Direksi No. 86 Tahun 2022 tentang Pedoman Komite TI
15 Agustus 2023
11 Changes to Regulation of the Board of Directors No. 86 of 2022 concerning IT
August 15, 2023
Committee Guidelines
Perubahan Peraturan Direksi No. 65 Tahun 2021 tentang Pedoman Umum TI
15 Agustus 2023
12 Changes to Regulation of the Board of Directors No. 65 of 2021 concerning General
August 15, 2023
IT Guidelines
Perubahan Peraturan Direksi nomor 51 Tahun 2021 tentang Pedoman Pengelolaan
14 November 2023 User Id & Password;
13
November 14, 2023 Changes to Regulation of the Board of Directors No. 51 of 2021 concerning User ID &
Password Management Guidelines;
Perubahan Peraturan Direksi nomor 23 Tahun 2023 tentang Pedoman Sistem Kerja
14 November 2023 Yang Simultan dan Responsif;
14
November 14, 2023 Changes to Regulation of the Board of Directors No. 23 of 2023 concerning
Guidelines for Simultaneous and Responsive Work System;
Persetujuan Jumlah Program & Project 2024 (109 Strategic Initiatives & 109 BAU)
28 Desember 2023
15 Approval of Number of Programs & Projects 2024 (109 Strategic Initiatives & 109
December 28, 2023
BAU)
28 Desember 2023 Perubahan Model Squad dan Transformation Team & Susunannya Tahun 2024
16
December 28, 2023 Changes to the Squad Model and Transformation Team & Their Composition in 2024
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Page 556
Tata Kelola Perusahaan
Corporate Governance
Tanggal Pelaksanaan
No Agenda
Implementation Date
Penetapan Inisiatif Owner Next-gen Data Management & Lead Team BAU untuk
28 Desember 2023 Program 2024
17
December 28, 2023 Determination of the BAU Next-gen Data Management & Lead Team Owner Initiative
for the 2024 Program
28 Desember 2023 Penambahan Jumlah Resource TI Dalam Program 2024 Sejumlah 62 Orang
18
December 28, 2023 Additional Number of IT Resources in the 2024 Program of 62 People
Perubahan terhadap Peraturan Direksi Pedoman Sistem Kerja Simultan dan Responsif
28 Desember 2023
19 Changes to the Board of Directors Regulations Guidelines for Simultaneous and
December 28, 2023
Responsive Work Systems
Risk Management Committe Risk Management Committe
Risk Management Committe dibentuk dalam rangka The Risk Management Committee was formed in
membantu tugas Direksi dalam Melakukan evaluasi order to assist the Board of Directors in evaluating
terhadap kesesuaian kebijakan manajemen risiko the suitability of risk management policies with
dengan pelaksanaanya, serta membatu Direksi their implementation, as well as assisting the Board
terkait penerapan manajemen risiko. Sejalan dengan of Directors regarding the implementation of risk
Peraturan Direksi Nomor 134 Tahun 2019, Struktur management. In line with Regulation of the Board
dan Keanggotaan Komite Manajemen Risiko adalah of Directors No. 134 of 2019, the Structure and
sebagai berikut: Membership of the Risk Management Committee is as
follows:
Jabatan Diisi oleh
No
Position Served by
Ketua Direktur Utama
1
Chairman President Director
Wakil Ketua SEVP Manajemen Risiko
2
Vice Chairman SEVP Risk Management
1. Direktur Utama
2. Direktur Pemasaran dan Pengembangan Produk
3. Direktur Jaringan, Operasi, dan Penjualan
4. Direktur Keuangan dan perencanaan Strategis
5. Direktur Teknologi Informasi & Digital
6. Direktur SDM & Hukum
Anggota (Voting Member) 7. SEVP Manajemen Risiko
3
Member (Voting Member) 1. President director
2. Director of Marketing and Product Development
3. Director of Network, Operations and Sales
4. Director of Finance and Strategic planning
5. Director of Information Technology & Digital
6. Director of HR & Legal
7. SEVP Risk Management
Sekretaris Kepala Divisi Operation & ERM
4
Secretary Head of Operations & ERM Division
1. Pejabat satu tungkat di bawah Direksi (Kepala divisi) yang memimpin Satuan Kerja
Bisnis, Satuan Kerja Business Support, Satuan Kerja Corporate Support dan Satuan
Pengawasan Intern
Anggota (Tidak Memiliki 2. Kehadiran Pejabat satu tingkat di bawah Direksi dalam Rapat Risk Management
Hak Suara) Comitee disesuaikan dengan permasalahan yang dibahas
5
Member (Not Having 1. Officer one level below the Board of Directors (Head of Division) who leads the
Voting Rights) Business Work Unit, Business Support Work Unit, Corporate Support Work Unit,
and Internal Control Unit
2. The presence of officials one level below the Board of Directors in the Risk
Management Committee meeting is adjusted to the issues discussed.
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Pedoman Kerja Risk Management Work Guidelines for the Risk Management
Committe Committee
Risk Management Committe dalam menjalankan tugas The Risk Management Committee in carrying out its
dan tanggung jawabnya mengacu pada Peraturan duties and responsibilities refers to Regulation of the
Direksi Nomor 134 Tahun 20Kebijakan tersebut Board of Directors No. 134 of 2019 concerning the Risk
mengatur beberapa hal terkait dengan wewenang, Management Committee. The policy regulates several
tugas, tanggung jawab, susunan keanggotaan dan matters related to the authority, duties, responsibilities,
tata cara rapat Komite Manajemen Risiko composition of membership and procedures for
meeting the Risk Management Committee.
Tugas dan Tanggung Jawab Risk Duties and Responsibilities of the Risk
Management Committe Management Committee
1. Menetapkan kerangka kerja dan metodologi 1. Establish a risk management framework and
manajemen risiko untuk melakukan identifikasi, methodology for identifying, measuring and
pengukuran dan mitigasi risiko dan contingency mitigating risks, and contingency plans;
plan;
2. Memantau profil risiko dan pengelolaan seluruh 2. Monitoring the risk profile and management of
risiko dalam rangka menetapkan risk appetite,risk all risks in order to establish an integrated risk
limit dan strategi pengelolaan risiko yang appetite, risk limits and risk management strategy;
terintegrasi;
3. Melakukan penyempurnaan penerapan manajemen 3. Make improvements to the implementation of
risiko secara berkala maupun insidental sebagai risk management periodically or incidentally as
tindak lanjut adanya perubahan kondisi internal a followup to changes in internal and external
dan eksternal yang memepengaruhi risiko di conditions that affect the Company’s risk profile;
Perusahaan Anak;
4. Membahas dan menetapkan hal-hal strategis dalam 4. Discuss and determine strategic matters within
lingkup manajemen risiko termasuk manajemen the scope of risk management including risk
risiko di Perusahaan Anak; management in Subsidiaries;
5. Menetapkan hal-hal yang terkait dengan keputusan 5. Determine matters related to business decisions
bisnis yang memiliki kondisi khusus (irregularities); that have special conditions (irregularities);
6. Mendelegasikan kewenangan kepada pejabat yang 6. Delegating authority to appointed officials to carry
ditunjuk untuk melaksanakan hal-hal yang bersifat out operational matters.
operasional.
Tugas dan Tanggung Jawab Sekretaris Risk Duties and Responsibilities of the Secretary to
Management Commitee the Risk Management Committee
1. Mempersiapkan agenda rapat dan pelaksanaan 1. Prepare the meeting agenda and conduct the
rapat; meeting;
2. Mempersiapkan dan mendistribusikan materi 2. Prepare and distribute meeting materials;
rapat;
3. Mengkoordinasikan kehadiran peserta rapat; 3. Coordinate the attendance of meeting participants;
4. Membuat Risalah Rapat Risk Management 4. Prepare Minutes of Meetings of the Risk
Committee; Management Committee;
5. Menyampaikan Risalah Rapat Risk Management 5. Submit Minutes of Meeting of the Risk Management
Commitee kepada seluruh anggota; Committee to all members;
6. Memonitor tindak lanjut keputusa Rapat Risk 6. Monitor the follow-up to decisions at Risk
Management Committe oleh Unit Kerja Terkait; Management Committee Meetings by the Related
Work Units;
7. Mendokumentasikan dan melaporkan hasil tindak 7. Document and report follow-up results at the next
lanjut pada rapat Risk Management Committee Risk Management Committee meeting;
berikutnya;
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8. Mempersiapkan materi rapat yang akan 8. Prepare meeting materials to be presented at
disampaikan pada Rapat Komite Manajemen Risiko the Risk Management Committee Meeting of the
Dewan Komisaris Board of Commissioners.
Laporan Pelaksanaan Kegiatan Risk Report on the Implementation of Risk
Management Committee Management Committee Activities
Selama tahun 2023, Risk Management Committee During 2023, the Risk Management Committee has
telah menjalankan tugas dan fungsinya, sebagai carried out its duties and functions, as follows:
berikut:
a. Memberikan Laporan hasil pemantauan profil a. Provide report on the results of risk profile
risiko secara triwulanan; monitoring on a quarterly basis;
b. Memberikan Laporan Penerapan Fungsi Kepatuhan b. Provide monthly report on the implementation of
dan Penerapan Program Anti Pencucian Uang, compliance functions and the implementation of
Pencegahan Pendanaan Terorisme, Pencegahan anti-money laundering program, preventing the
Pendanaan Proliferasi Senjata Pemusnah Massal financing of terrorism, preventing the financing of
(APU, PPT, dan PPPSPM) secara bulanan the proliferation of weapons of mass destruction
(APU, PPT and PPPSPM).
c. Menyusun Standar operasional prosedur (SOP); c. Prepare standard operating procedures (SOP);
d. Melakuka tanggapan terhadap laporan manajemen d. Responding to management report on company
tentang kinerja perusahaan secara triwulanan dan performance on a quarterly and annual basis;
tahunan;
e. Tugas-tugas lain sesuai dengan penugasan Dewan e. Other duties in accordance with the assignment
Komisaris sesuai dengan bidang tugas Komite of the Board of Commissioners in accordance with
Pemantau Risiko, antara lain terkait: the Risk Monitoring Committee’s field of duties,
include:
f. Dalam rangka pelaksanaan tugas membantu f. In order to carry out its duties to assist the Board
tugas Dewan Komisaris untuk mendapatkan of Commissioners in obtaining information,
informasi, klarifikasi dan gambaran atas kemajuan/ clarification and description of progress/
perkembangan serta permasalahan yang dihadapi developments as well as problems faced by
Wilayah dan Cabang/Unit, Komite Pemantau Regions and Branches/Units, the Monitoring
Committee
Komite Tanggung Jawab Sosial dan Social and Environmental Responsibility
Lingkungan Committee
Komite Tanggung Jawab Sosial dan Lingkungan The Social and Environmental Responsibility
(TJSL) berkedudukan di Kantor Pusat bersifat non Committee (TJSL) is located at the Head Office
struktural, yang berfungsi untuk membantu Direksi and is non-structural, whose function is to assist
dalam menjalankan perannya atas dampak dari the Board of Directors in carrying out role on the
keputusan dan aktivitas operasional perusahaan impact of the company’s operational decisions and
terhadap masyarakat dan lingkungan yang activities on society and the environment with the
bertujuan berkontribusi pada tujuan pembangunan aim of contributing to sustainable development goals
berkelanjutan/Sustainable Development Goals (TPB/ (TPB). /SDGs). In line with Regulationof the Board
SDGs). Sejalan dengan Peraturan Direksi No. 69 of Directors No. 69 of 2022 dated October 31, 2022,
tahun 2022 tanggal 31 Oktober 2022, Struktur dan the TJSL Committee Structure and Membership is as
Keanggotaan Komite TJSL adalah sebagai berikut: follows
Jabatan Diisi oleh
No
Position Served by
Ketua Direktur Utama
1
Chairman President Director
Wakil Ketua Direktur Jaringan, Operasi, dan Penjualan
2
Substitute Head Director of Network, Operations and Sales
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Jabatan Diisi oleh
No
Position Served by
1. Direktur Utama
2. Direktur Pemasaran dan Pengembangan Produk
3. Direktur Jaringan, Operasi, dan Penjualan
4. Direktur Keuangan dan Manajemen Resiko
5. Direktur Human Capital, Legal & Compliance
6. Direktur Teknologi Informasi dan Digital
7. Direktur Umum
8. Kepala Manajemen Risiko
Anggota (Voting 9. Kepala Transformation Office
Member) 10. Kepala Satuan Pengawasan Intern
3
Member (Voting 1. President Director
Member) 2. Director of Marketing and Product Development
3. Director of Network, Operations and Sales
4. Director of Finance and Risk Management
5. Director of Human Capital, Legal & Compliance
6. Director of Information and Digital Technology
7. Director of General Affairs
8. Head of Risk Management
9. Head of Transformation Office
10. Head of Internal Audit Unit
Sekretaris Kepala Divisi Corporate Social Responsibility
4
Secretary Head of Corporate Social Responsibility Division
1. Pemimpin Unit Kerja satu tingkat dibawah Direksi (Kelompok Jabatan Senior
Manajemen) yang memimpin satuan kerja bisnis dan Satuan Kerja Business Support.
2. Kehadiran Pemimpin Unit Kerja sebagaimana dimaksud huruf a disesuaikan dengan
Anggota (Tidak Memiliki
permasalahan yang dibahas dalam Komite TJSL
Hak Suara)
5 3. Work Unit Leader is one level below the Board of Directors (Senior Management
Member (Not Having
Position Group) who leads the business work unit and the Business Support Work
Voting Right)
Unit.
4. The presence of the Work Unit Leader as referred to in letter a is adjusted to the
issues discussed in the TJSL Committee
Pedoman Kerja Komite TJSL TJSL Committee Work Guidelines
Komite TJSL dalam menjalankan tugas dan tanggung The TJSL Committee in carrying out its duties and
jawabnya mengacu pada Peraturan Direksi No. 69 tahun responsibilities refers to Regulation of the Board of
2022 tanggal 31 Oktober 2022. Kebijakan tersebut Directors No. 69 of 2022 dated October 31, 2022.
mengatur beberapa hal terkait dengan wewenang, This policy regulates several matters related to the
tugas, tanggung jawab, susunan keanggotaan dan authorities, duties, responsibilities, membership
tata cara rapat Komite TJSL. composition and meeting procedures of the TJSL
Committee.
Wewenang, Tugas dan Tanggung Jawab Authorities, Duties and Responsibilities of the
Komite TJSL TJSL Committee
1. Wewenang komite TJSL adalah memutuskan 1. The authority of the TJSL committee is to decide
dan menetapkan kebijakan strategis pelaksanaan and establish strategic policies for implementing
Tanggung Jawab Sosial dan Lingkungan Corporate Social and Environmental Responsibility.
Perusahaan.
2. Tugas dan Tanggung Jawab Komite TJSL 2. Duties and Responsibilities of the TJSL Committee
a. Memberikan arahan strategis mengenai rencana a. Provide strategic direction regarding the work
kerja dan anggaran Tanggung Jawab Sosial plan and budget for Corporate Social and
dan Lingkungan Perusahaan sesuai dengan Environmental Responsibility in accordance
bidang masing-masing dan fungsi subjek inti with the respective fields and core subject
(Core Subject) yang tercantum dalam lampiran functions (Core Subject) listed in the attachment
peraturan direksi. to the Board of Directors’ regulation.
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b. Melaksanakan monitoring dan mengevaluasi b. Carrying out monitoring and evaluating the
kinerja pelaksanaan program TJSL Perusahaan. performance of the Company’s TJSL program
implementation.
c. Memberikan saran, solusi dan kebijakan atas c. c. Providing suggestions, solutions and policies
permasalahan yang timbul dan dihadapi dalam for problems that arise and encountered in
pelaksanaan program TJSL. implementing the TJSL program.
d. Memberikan arahan pelaksana dalam d. Provide implementing direction in implementing
melaksanakan program TJSL yang terintegrasi TJSL programs that are integrated in business
dalam proposal bisnis untuk keberlanjutan proposals for company sustainability.
perusahaan.
e. Menentukan arah dan kebijakan TJSL di e. Determine the direction and policy of TJSL
lingkungan PT Pegadaian sesuai dengan within PT Pegadaian in accordance with the
Visi,Misi dan Tujuan Perusahaan. Company’s Vision, Mission and Goals.
f. Melakukan pengawasan,pemantauan, dan f. Carry out supervision, monitoring and
evaluasi terhadap keberhasilan program- evaluation of the success of TJSL programs to
program TJSL untuk mendukung keberlanjutan support the Company’s sustainability.
Perusahaan.
Laporan Pelaksanaan Kegiatan Komite TJSL Report on the Implementation of TJSL
Committee Activities
Selama tahun 2023, Komite TJSL telah menjalankan During 2023, the TJSL Committee has carried out its
tugas dan fungsinya, sebagai berikut: duties and functions, as follows:
Tanggal Pelaksanaan
No Agenda
Implementation Date
21 Februari 2023 Pembahasan program The Gade Preneur
1
February 21, 2023 Discussion of The Gade Preneur program
15 Mei 2023 Pembahasan Penyaluran Divisi TJSL
2
May 15, 2023 Discussion of TJSL Division Distribution
25 Juli 2023 Permohonan keputusan kontribusi pembangunan Masjid Ar-Rayyan
3
July 25, 2023 Request for decision to contribute to the construction of the Ar-Rayyan Mosque
5 September 2023 Kerjasama program pendanaan UMK yang dilaksanakan secara syariah
4
September 5, 2023 Collaboration on MSE funding programs implemented according to sharia
21 November 2023 Rencana aksi keuangan berkelanjutan
5
November 21, 2023 Sustainable financial action plan
Komite Transformasi Transformation Committee
Dalam rangka pelaporan kinerja program dan produk In order to report on the performance of transformation
transformasi baik yang sudah diimplementasikan programs and products, both those that have been
maupun yang sedang berjalan serta percepatan implemented and are currently underway, as well as
permohonan arahan dan keputusan Direksi / Komite, accelerating requests for direction and decisions from
maka dibutuhkan suatu wadah secara khusus the Board of Directors/Committees, a forum is needed
membahas progress transformasi. Oleh karena itu, that specifically discusses transformation progress.
oleh karena itu wadah ini dibentuk dalam suatu Komite Therefore, this forum was formed in a Transformation
Transformasi yang beranggotakan Direktur Utama, Committee consisting of the President Director, Board
Dewan Direksi, dan Divisi atau unit kerja terkait. of Directors, and related Divisions or work units.
Pedoman Komite Committee Guidelines
Komite Transformasi dalam menjalankan tugas dan In carrying out its duties and responsibilities, the
tanggung jawabnya mengacu pada Peraturan Direksi Transformation Committee refers to Regulation of
No. 53 tahun 2022. Kebijakan tersebut mengatur the Board of Directors No. 53 of 2022. This policy
beberapa hal terkait dengan wewenang, tugas, regulates several matters related to the authorities,
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tanggung jawab, susunan keanggotaan dan tata cara duties, responsibilities, membership composition and
rapat Komite Transformasi. meeting procedures of the Transformation Committee.
Susunan Keanggotaan
Membership Composition
Jabatan Diisi oleh
No
Position Served by
Ketua Direktur Utama
1
Chairman President Director
Wakil Ketua Direktur Teknologi Informasi dan Digital
2
Substitute Head Director of Information Technology and Digital
1. Direktur Utama
2. Direktur Pemasaran dan Pengembangan Produk
3. Direktur Jaringan, Operasi, dan Penjualan
4. Direktur Keuangan dan Manajemen Resiko
5. Direktur Human Capital, Legal & Compliance
6. Direktur Teknologi Informasi dan Digital
7. Direktur Umum
8. SEVP Transformation Office
9. SEVP Manajemen Risiko
Anggota (Voting Member) 10. Kepala Satuan Pengawasan Intern
3
Member (Voting Member) 1. President Director
2. Director of Marketing and Product Development
3. Director of Network, Operations and Sales
4. Director of Finance and Risk Management
5. Director of Human Capital, Legal & Compliance
6. Director of Information Technology and Digital
7. Director of General Affairs
8. SEVP Transformation Office
9. SEVP Risk Management
10. Head of Internal Audit Unit
Sekretaris Kepala Divisi PMO & Manajemen Perubahan
4
Secretary Head of PMO and Change Management Division
1. Pemimpin Unit Kerja satu tingkat dibawah Direksi (Kelompok Jabatan Senior
Manajemen) yang memimpin satuan kerja bisnis dan Satuan Kerja Business
Support.
Anggota (Tidak Memiliki Hak 2. Kehadiran pejabat satu tingkat di bawah Direksi dalam Rapat Komite
Suara) Transformasi disesuaikan dengan permasalahan yang dibahas
5
Member (Not Having Voting 1. Work Unit Leader is one level below the Board of Directors (Senior Management
Rights) Position Group) who leads the business work unit and the Business Support Work
Unit.
2. The presence of officials one level below the Board of Directors at Transformation
Committee Meetings is adjusted to the issues being discussed
Wewenang Komite Committee Authorities
Wewenang Komite Transformasi adalah memutuskan The authority of the Transformation Committee is
dan menetapkan kebijakan pelaksanaan inisiatif to decide and establish policies for implementing
transformasi yang berupa inisiatif strategis maupun transformation initiatives in the form of strategic
non inisiatif strategis termasuk penambahan dan initiatives and non-strategic initiatives including the
penghentian inisiatif transformasi. addition and termination of transformation initiatives.
Tugas dan Tanggung Jawab Duties and Responsibilities
1. Menentukan prioritas dan melakukan penilaian 1. Determine priorities and carry out risk assessment
risiko terhadap pelaksanaan proyek/program/ on the implementation of projects / programs /
inisiasi yang berkaitan dengan agenda transformasi. initiatives related to the transformation agenda.
2. Mengevaluasi dan memutuskan usulan proyek 2. Evaluate and decide on proposed program
program/inisiasi transformasi. projects / transformation initiatives.
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3. Mengevaluasi kinerja atas realisasi proyek/ 3. Evaluate performance on the realization of
program/inisiasi transformasi. projects/programs/transformation initiatives.
4. Memutuskan tindak lanjut dan Langkah strategis 4. Decide on follow-up and strategic steps for
atas proyek/program/inisiasi transformasi yang transformation projects/programs/initiations that
kurang berjalan dengan baik dalam mencapai are not going well in achieving company targets
target perusahaan dan tidak selaras dengan and are not in line with business needs.
kebutuhan bisnis.
5. Melaporkan hasil kinerja, isu, dan progress proyek/ 5. Report performance results, issues and progress
program/inisiasi transformasi. of projects / programs / transformation initiatives.
6. Memastikan pelaksanaan proyek/program/ 6. Ensure that the implementation of projects /
inisiasi sejalan dengan regulasi yang berlaku di programs / initiatives is in line with applicable
perusahaan. regulations in the company.
7. Melakukan pemantauan terhadap pelaksanaan 7. Monitor the implementation of projects/programs/
proyek/program /inisiasi transformasi. transformation initiation.
8. Memberikan saran, solusi dan kebijakan atas 8. Provide suggestions, solutions and policies
permasalahan yang timbul dan dihadapi dalam for problems that arise and encountered in
pelaksanaan proyek/program/inisiasi transformasi. implementing projects / programs / transformation
initiatives.
Laporan Pelaksanaan Kegiatan Komite Report on the Implementation of
Transformasi Transformation Committee Activities
Berdasarkan Laporan Komite Transformasi tahun 2023 Based on the 2023 Transformation Committee Report
yang disampaikan kepada Direksi, Komite Transformasi submitted to the Board of Directors, the Transformation
telah melakukan kegiatan-kegiatan berikut: Committee has carried out the following activities:
Target Pelaksanaan
No Agenda
Implementation Date
1. Highlight Komite Transformasi.
2. Summary Flagship Initiatives.
4 Juli 2023 3. Rekomendasi dan keputusan.
1
July 4, 2023 1. Highlights of the Transformation Committee.
2. Summary Flagship Initiatives.
3. Recommendations and decisions.
1. Penjelasan keseluruhan progress eksekusi Transformation 2.0 dan Bullion
Services.
2. Penyelarasan rencana kedepan mengenai implementasi Transformation 2.0 dan
Bullion Services.
20 November 2023 3. Pengambilan keputusan oleh stakeholder.
2
November 20, 2023 1. Explanation of the overall progress of Transformation 2.0 and Bullion Services
execution.
2. Alignment of future plans regarding the implementation of Transformation 2.0
and Bullion Services.
3. Decision making by stakeholders.
Sekretaris Perusahaan Corporate Secretary
Sekretaris Perusahaan merupakan organ pendukung Corporate Secretary is a supporting organ of the Board
Direksi yang bertanggung jawab terhadap of Directors who is responsible for the formation of
pembentukan citra positif Perseroan serta kegiatan a positive image of the Company and the delivery of
penyampaian informasi material Perseroan secara Company material information in a timely and accurate
tepat waktu dan akurat kepada seluruh pemangku manner to all stakeholders. The Corporate Secretary
kepentingan. Sekretaris Perseroan bertanggung jawab is directly responsible to the Board of Directors and
secara langsung kepada Direksi dan berkoordinasi coordinates with other Company organs such as the
dengan organ Perseroan lain seperti Dewan Komisaris Board of Commissioners and Internal and external
dan Auditor Internal maupun eksternal. Auditors.
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Dalam rangka Sekretaris Perusahaan dapat In order for the Corporate Secretary to carry out its
menjalankan fungsinya dengan baik, maka Perseroan functions properly, the Company establishes related
menetapkan kebijakan-kebijakan mengenai: policies regarding:
1. Penetapan kualifikasi khusus bagi Sekretaris 1. Determination of special qualifications for the
Perseroan yang relevan dengan fungsi yang Corporate Secretary that are relevant to the
ditangani. functions handled.
2. Pemberian wewenang dan sumber daya yang 2. Provision of adequate authority and resources for
memadai bagi Sekretaris Perusahaan. the Corporate Secretary.
3. Evaluasi efektivitas kinerja Sekretaris Perusahaan 3. Periodic evaluation of the effectiveness of
secara berkala dengan indikator-indikator kinerja the Corporate Secretary’s performance with
yang ditetapkan berdasarkan fungsi yang diemban. performance indicators determined based on the
functions carried out.
Pihak yang Mengangkat dan Memberhentikan Party Appointing and Dismissing Corporate
Sekretaris Perusahaan Secretary
Pejabat Sekretaris Perusahaan diangkat dan Corporate Secretary officers are appointed and
diberhentikan oleh Direktur Utama berdasarkan dismissed by the President Director based on the
mekanisme internal Perseroan dengan persetujuan Company’s internal mechanism with the approval of
Dewan Komisaris. the Board of Commissioners.
Pejabat Sekretaris Perusahaan dan Dasar Corporate Secretary Officer and Basis of
Pengangkatan Appointment
Saat ini Sekretaris Perusahaan dijabat oleh Yudi Currently, the position of Corporate Secretary is Yudi
Sadono yang diangkat berdasarkan Surat Keputusan Sadono who was appointed based on Decree of the
Direksi No. 781/KEP-DIR/2022 tanggal 10 Agustus Board of Directors No. 781/KEP-DIR/2022 dated
2022. August 10, 2022.
Yudi Sadono
Sekretaris Perusahaan
Corporate Secretary
Warga negara Indonesia
Data Pribadi Usia 51 tahun
Personal Data Indonesian Citizen
Age of 51 year old
Domisili DKI Jakarta, Indonesia
Domicile
Pendidikan Sarjana Ekonomi jurusan Manajemen dari Universitas Mahasaraswati (2000)
Education Bachelor of Economics majoring in Management from Mahasaraswati University (2000)
• Kepala Divisi Produk Emas (April 2022-Agustus 2022)
• Kepala Divisi Jaringan dan Operasional ( December 2018-April 2022)
• Pimpinan Wilayah Bandung (Desember 2016-Desember 2018)
• Deputy Bisnis Kantor Area Makassar 2 (Maret 2015-Desember 2016)
• Manajer SDM Kantor Wilayah Surabaya (April 2014-Maret 2015)
Riwayat Profesi • Manager Bisnis Gadai Kantor Pusat (Januari-April 2014)
Professional History • Head of Gold Products Division (April 2022 - August 2022)
• Head of Network and Operations Division (December 2018 - April 2022)
• Bandung Regional Leader (December 2016 - December 2018)
• Deputy Business Makassar Area Office 2 (March 2015 - December 2016)
• HR Manager Surabaya Regional Office (April 2014 - March 2015)
• Head Office Pawn Business Manager (January - April 2014)
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris dan Direksi dan Pemegang
Hubungan Afiliasi Saham Pengendali.
Affiliate Relationship Has no affiliation with members of the Board of Commissioners and Board of Directors as well as
Controlling Shareholders.
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Pedoman Kerja Sekretaris Perusahaan Corporate Secretary Work Guidelines
Sekretaris Perusahaan telah memiliki pedoman kerja The Corporate Secretary has work guidelines that refer
yang merujuk pada Pedoman Tata Kelola Perusahaan to the Corporate Governance Guidelines and Board
serta Board Manual Dewan Komisaris dan Direksi. Manuals for the Board of Commissioners and Board of
Dalam kedua pedoman tersebut, pedoman kerja Directors. In these two guidelines, the work guidelines
Sekretaris Perseroan telah diatur secara jelas. for the Corporate Secretary are clearly regulated.
Fungsi dan Tugas Sekretaris Perusahaan Functions and Duties of the Corporate
Secretary
Uraian fungsi dan tugas Sekretaris Perusahaan tertuang The description of the functions and duties of the
dalam Peraturan Direksi No. 27 Tahun 2018 tanggal 7 Corporate Secretary is contained in the Regulation
Desember 2018 tentang Struktur Organisasi dan Tata of the Board of Directors No. 27 of 2018 December
Kerja Kantor Pusat, di mana Sekretaris Perusahaan 7, 2018 concerning the Organizational Structure and
mempunyai fungsi melakukan perencanaan, Work Procedure of the Head Office, in which the
penyelenggaraan, monitoring, pengawasan, evaluasi Corporate Secretary has the function of planning,
atas seluruh kegiatan hubungan masyarakat, protokoler organizing, monitoring, supervising, evaluating all
serta hubungan investor dan pemegang saham sesuai community relations activities, protocols as well as
dengan kebijakan/ ketentuan yang telah ditetapkan. investor and shareholder relations in accordance with
policies/provisions which have been set.
Tugas Sekretaris Perusahaan antara lain: The duties of the Corporate Secretary include:
1. Memastikan bahwa bidang yang menjadi 1. Ensure that the area of responsibility has an annual
tanggungjawabnya telah memiliki rencana kerja work plan that is guided by the Company’s RJP
tahunan yang berpedoman pada RJP Perseroan or other provisions determined by the Board of
atau ketentuan lain yang telah ditetapkan Direksi. Directors.
2. Memastikan tersusunnya kebijakan di bidang 2. Ensuring the formulation of policies in the field of
Sekretariat Perseroan. the Company Secretariat.
3. Meyakini/memastikan bahwa pengelolaan bidang 3. Convince/ensure that the management of the field
yang menjadi tanggung jawabnya telah dilaksanakan for which he is responsible has been carried out in
sesuai dengan yang ditetapkan Perseroan. accordance with what has been stipulated by the
Company.
4. Memastikan terselenggara dan terkendalinya 4. Ensuring the implementation and control of the
pelaksanaan program di bidang Humas, Hubungan implementation of programs in the fields of Public
Investor, dan bidang protokoler Kantor Pusat. Relations, Investor Relations, and Head Office
protocol areas.
5. Memastikan bahwa target kerja Sekretariat 5. Ensuring that the work targets of the Company
Perseroan yang telah ditetapkan dapat tercapai Secretariat that have been set can be achieved by
dengan oleh seluruh unit kerja operasional. all operational work units.
6. Memastikan terselenggaranya Rapat Direksi, Rapat 6. Ensuring the holding of Board of Directors
Direksi dengan Dewan Komisaris dan Rapat Umum Meetings, Board of Directors Meetings with the
Pemegang Saham. Board of Commissioners and General Meeting of
Shareholders.
7. Melakukan koordinasi dan membina hubungan kerja 7. Coordinating and fostering good working
yang baik antar organ Perseroan (RUPS, Komisaris, relationships between the Company’s organs
dan Direksi). (GMS, Commissioners and Board of Directors).
8. Mengkoordinasikan pelaksanaan tugas pekerjaan 8. Coordinate the implementation of subordinate
bawahan. work tasks.
9. Membimbing bawahan dalam rangka pembinaan 9. Guiding subordinates in the context of employee
karyawan. development.
10. Menyusun laporan pertanggungjawaban 10. Prepare accountability reports on the
pelaksanaan tugas pekerjaan. implementation of work assignments.
11. Menjadi juru bicara Perseroan baik internal dan 11. Become a spokesperson for the Company both
eksternal. internally and externally.
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Struktur Organ Sekretaris Perusahaan Corporate Secretary Organ Structure
Sekretaris Perusahaan bertanggung jawab langsung The Corporate Secretary is directly responsible to
kepada Direktur Utama sesuai dengan Peraturan the President Director in accordance with Board of
Direksi No. 27 Tahun 2018 tanggal 7 Desember 2018 Directors’ Regulation No. 27 of 2018 dated December
tentang Struktur Organisasi dan Tata Kerja Kantor 7 2018 concerning the Organizational Structure
Pusat. Terdapat beberapa fungsi pendukung Sekretaris and Working Procedures of the Head Office. There
Perusahaan, yaitu Kepala Departemen Komunikasi are several supporting functions for the Corporate
Perseroan, Kepala Departemen Protokoler, dan Kepala Secretary, namely the Head of the Company’s
Departemen BOD Office yang khusus menangani Communication Department, the Head of the
Direksi. Protocol Department, and the Head of the BOD Office
Department which specifically handles the Board of
Directors.
Struktur Organisasi Sekretaris Perusahaan
Corporate Secretary Organizational Structure
Direktur Utama
President Director
Sekretaris Perusahaan
Corporate Secretary
Departemen Komunikasi
Departemen
Departemen Protokoler Perusahaan
BOD Office
Protocoler Department Corporate Communication
BOD Office Department
Department
Program Pengembangan Kompetensi Competency Development Program
Program pengembangan kompetensi merupakan The competency development program is part of the
bagian dari pengembangan talenta Sekretaris Corporate Secretary’s talent development, specifically
Perusahaan, khususnya untuk mengikuti perkembangan to keep abreast of developments in issues surrounding
isu-isu seputar korporasi dan fungsi-fungsi di bawah the corporation and the functions under the Corporate
Sekretaris Perusahaan. Tentang kegiatan peningkatan Secretary. Regarding competency improvement
kompetensi yang diikuti Sekretaris Perusahaan di activities that the Corporate Secretary participated in
sepanjang tahun 2023 dapat dilihat pada bab Profil throughout 2023 can be seen in the Company Profile
Perusahaan. chapter.
Laporan Singkat Pelaksanaan Tugas dan Brief Report on the Implementation of
Tanggung Jawab Sekretaris Perusahaan Duties and Responsibilities of the Corporate
Secretary in 2023
Sepanjang tahun 2023, Sekretaris Perusahaan telah
melaksanakan tugas dan tanggung jawabnya sebagai Throughout 2023, the Corporate Secretary has carried
berikut: out duties and responsibilities as follows:
1. Melakukan perencanaan, penyelenggaraan, 1. Carry out planning, implementation, monitoring,
monitoring, pengawasan, evaluasi atas seluruh supervision, evaluation of all public relations
kegiatan hubungan masyarakat , protokoler sesuai activities, protocols in accordance with established
dengan kebijakan/ketentuan yang telah ditetapkan policies/provisions
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Tata Kelola Perusahaan
Corporate Governance
2. Membantu direksi/unit kerja (divisi) lain dalam 2. Assist directors/other work units (divisions) in
membuat kajian, analisis dan pertimbangan atas making studies, analyzes and considerations
hal-hal yang bersifat strategis serta melakukan on strategic matters as well as carrying out
penugasan khusus lainnya yang diberikan oleh other special assignments given by the Board
Direksi, sebagai dasar untuk membuat keputusan of Directors, as a basis for making Company
Perusahaan. decisions.
Evaluasi Pelaksanaan Tugas Sekretaris Evaluation of Corporate Secretary Duties
Perusahaan Implementation
Indikator Pelaksanaan evaluasi pelaksanaan tugas Implementation Indicators evaluate the implementation
Sekretaris Perusahaan berdasarkan pada tugas of the Corporate Secretary’s duties based on the
dan tanggung jawab Sekretaris Perusahaan yang duties and responsibilities of the Corporate Secretary
dituangkan dalam indikator penilaian kinerja Sekretaris as outlined in the Corporate Secretary’s performance
Perusahaan (Key Performance Indicators/KPI). assessment indicators (Key Performance Indicators/
Realisasi pencapaian kinerja Sekretaris Perusahaan KPI). The realization of the Corporate Secretary’s
tahun 2023 sebesar 102.69% dari target 100%. performance in 2023 is 102.69% of the target of 100%.
Satuan Pengawasan Intern Internal Audit Unit
Satuan Pengawasan Intern (SPI) merupakan bagian The Internal Audit Unit (SPI) is part of internal control,
dari pengendalian internal, yang secara garis besar which in general aims to help management realize
bertujuan membantu manajemen merealisasikan its objectives/targets through adequacy checks and
objektif/sasarannya melalui pemeriksaan kecukupan implementation of internal control, risk management
dan pelaksanaan proses pengendalian internal, and corporate governance processes. SPI is in charge
manajemen risiko dan tata kelola perusahaan. SPI and responsible for carrying out the oversight function
bertugas dan bertanggung jawab untuk menjalankan in all internal business activities of the Company,
fungsi pengawasan pada semua kegiatan usaha including planning, coordinating, implementing,
di internal Perseroan, termasuk merencanakan, monitoring and evaluating all of the Company’s
mengkoordinasikan, menyelenggarakan, monitoring internal control activities.
dan evaluasi atas seluruh kegiatan pengawasan intern
Perseroan.
Pihak yang Mengangkat dan Memberhentikan The Party Appointing and Dismissing the Head
Kepala Satuan Pengawasan Intern of the Internal Audit Unit
Kepala SPI diangkat dan diberhentikan oleh Direktur The Head of the Internal Audit Unit is appointed and
Utama berdasarkan mekanisme internal Perseroan dismissed by the President Director based on the
dengan persetujuan Dewan Komisaris. Company’s internal mechanism with the approval of
the Board of Commissioners.
Kepala Satuan Pengawasan Intern dan Dasar Head of Internal Audit Unit and Basis of
Pengangkatan Appointment
Per Desember 2023, Kepala SPI Perseroan dijabat oleh As of December 2023, the Head of SPI of the
Hermawan Aries Andi yang diangkat pada tanggal Company is held by Hermawan Aries Andi who was
20 Desember 2022. Pengangkatan Hermawan Aries appointed on December 20, 2022. The appointment
Andi sebagai Kepala SPI juga telah mendapatkan of Hermawan Aries Andi as Head of SPI has also
persetujuan Dewan Komisaris sesuai dengan Surat received approval from the Board of Commissioners
Dewan Komisaris No. S-53/DK.GD/12/2022 tanggal 21 in accordance with Board of Commissioners Letter
Desember 2022 tentang Persetujuan Dewan Komisaris No. S-53/DK.GD/12/2022 dated December 21, 2022
atas Permohonan Persetujuan Kepala Satuan concerning Approval of the Board of Commissioners
Pengawasan Intern PT Pegadaian. for the Application for Approval of the Head of the
Internal Audit Unit of PT Pegadaian.
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Hermawan Aries Andi
Kepala Satuan Pengawas Intern
Head of Internal Audit Unit
Warga Negara Indonesia
Data Pribadi Usia 54 tahun
Personal Data Indonesian Citizen
Age of 54 year old
Domisili DKI Jakarta, Indonesia
Domicile
Pendidikan Sarjana Manajemen dari Universitas Brawijaya
Education Bachelor of Management from Brawijaya University
• Certified Risk Professional (CRP)
Sertifikasi
Certification • Certified Qualified Internal Auditor (QIA)
• Certified Forensic Auditor (CFrA)
• PT Pegadaian sejak tahun 1995
• Kepala Satuan Pengawasan Intern (2023)
• Pemimpin Wilayah - Kantor Wilayah IV Balikpapan (2022)
• Kepala Divisi Manajemen Risiko Operasi & Korporasi (2022)
• Inspektur Pengembangan (2018)
• Pemimpin Wilayah - Kantor Wilayah XII Surabaya (2017)
• Pemimpin Wilayah - Kantor Wilayah VII Denpasar (2015)
• Pemimpin Wilayah - Kantor Wilayah VIII Jakarta 1 (2014)
• Inspektur Wilayah - Kantor Wilayah VIII Jakarta 1 (2012)
• Pemimpin Wilayah - Kantor Wilayah XI Semarang (2011)
• Inspektur Wilayah - Kantor Wilayah XII Surabaya (2011)
• Inspektur Wilayah - Kantor Wilayah Padang (2009)
• Pemimpin Cabang - Kantor Cabang Sudirman (2008)
• Manajer - Kantor Wilayah XI Semarang (2008)
• Manajer - Kantor Wilayah Yogyakarta (2006)
• Pemeriksa Madya (2002)
• Pemeriksa - Kantor Daerah XIV Kupang (1999)
Riwayat Profesi
Professional History • Pemeriksa Pembantu - Kantor Pemeriksaan Denpasar I (1995)
• Head of Internal Audit Unit (2023)
• Regional Leader - Regional Office IV Balikpapan (2022)
• Head of Operations & Corporate Risk Management Division (2022)
• Development Inspector (2018)
• Regional Leader - Regional Office XII Surabaya (2017)
• Regional Leader - Denpasar Regional Office VII (2015)
• Regional Leader - Regional Office VIII Jakarta 1 (2014)
• Regional Inspector - Regional Office VIII Jakarta 1 (2012)
• Regional Leader - Semarang Region XI Office (2011)
• Regional Inspector - Regional Office XII Surabaya (2011)
• Regional Inspector - Padang Regional Office (2009)
• Branch Manager - Sudirman Branch Office (2008)
• Manager - Regional Office XI Semarang (2008)
• Manager - Yogyakarta Regional Office (2006)
• Associate Examiner (2002)
• Inspector - XIV Kupang Regional Office (1999)
• Assistant Inspector - Denpasar I Examination Office (1995)
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris dan Direksi dan Pemegang
Hubungan Afiliasi Saham Pengendali.
Affiliate Relationship Has no affiliation with members of the Board of Commissioners and Board of Directors as well as
Controlling Shareholders.
Piagam Satuan Pengawasan Intern Internal Audit Charter
SPI telah dilengkapi pedoman kerja sebagaimana yang SPI has been equipped with work guidelines as stated
tertuang dalam Piagam Satuan Pengawasan Intern in the Internal Audit Unit Charter which is stipulated
yang ditetapkan melalui Peraturan Direksi No. 81 Tahun in Regulation of the Board of Directors No. 81 of 2022
2022 tanggal 06 Desember 2022 yang merupakan dated December 6, 2022 which is a basic guide for SPI
PT Pegadaian | 2023 Annual Report 567
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Tata Kelola Perusahaan Corporate Governance panduan dasar bagi SPI dalam menjalankan fungsi in carrying out its functions and duties as independent dan tugasnya sebagai internal audit yang independen and objective internal audit, with the aim of increasing dan objektif, dengan tujuan untuk meningkatkan value (Value Added) and improving the Company’s nilai (Value Added) dan memperbaiki operasional operations through systematic approach, by evaluating Perseroan melalui pendekatan yang sistematis, dengan and improving effectiveness risk management, cara mengevaluasi dan meningkatkan efektivitas internal control, and Corporate Governance processes. manajemen risiko, pengendalian internal, dan proses The scope of the SPI Audit Charter includes, among Tata Kelola Perusahaan. Cakupan Piagam Audit SPI other things, the Vision and Mission, Objectives, Main memuat antara lain terkait Visi dan Misi, Tujuan, Prinsip Principles of Professional Practice of Internal Audit, Pokok Praktik Profesional Audit Internal, Atribut Attributes of Internal Auditors, Authority Structure Auditor Internal, Struktur Wewenang dan Tugas Pokok and Main Duties of SPI, Functions of the Head of SPI, Fungsi Kepala SPI, Independensi dan Objektivitas, SPI, Independence and Objectivity, Professionalism, Profesionalisme, Kode Etik Auditor Internal, Jasa Internal Auditor Code of Ethics, Assurance Services, Asurans, Jasa Konsultansi, Hubungan SPI dengan Unit Consultancy Services, SPI Relations with External Kerja Pengendalian dan Auditor Eksternal, Hubungan Control and Auditor Work Units, SPI Relations with SPI dengan Otoritas Jasa Keuangan (OJK), Fungsi the Financial Services Authority (OJK), SPI Functions SPI dalam Kelompok Usaha, Penggunaan Jasa Pihak in Business Groups, Use of External Party Services in Eksternal dalam Pelaksanaan Audit Internal, Pelaporan, Implementing Internal Audit, Reporting, and Quality dan Program Penjaminan Mutu dan Perbaikan. Assurance and Improvement Programs. Tugas Pokok Satuan Pengawasan Intern Main Duties of the Internal Audit Unit Sesuai dengan Piagam Satuan Pengawasan Intern, In accordance with the Internal Audit Unit Charter, tugas pokok SPI paling sedikit meliputi: SPI’s main duties include at least: 1. Membantu tugas Direktur Utama dan atau Dewan 1. Assist the President Director and/or Board of Komisaris dalam melaksanakan pengawasan Commissioners in carrying out supervision by dengan cara menjabarkan secara operasional baik operationally explaining planning, implementation perencanaan, pelaksanaan maupun pemantauan and monitoring of audit result. hasil audit. 2. Menyusun analisis dan penilaian di bidang bisnis, 2. Compile analyzes and assessments in the fields akuntansi, operasional dan kegiatan lain melalui of business, accounting, operations and other audit di semua tingkatan unit kerja secara activities through audits at all levels of work units independen, objektif dan profesional serta independently, objectively and professionally as melakukan pemeriksaan khusus apabila diperlukan. well as carrying out special inspections if necessary. 3. Mengidentifikasi segala kemungkinan untuk 3. Identify all possibilities to improve and increase the memperbaiki dan meningkatkan efisiensi dan efficiency and effectiveness of the use of resources efektivitas penggunaan sumber daya dan dana. and funds. 4. Memberikan saran perbaikan dan informasi yang 4. Provide suggestions for improvements and objektif tentang kegiatan yang diaudit pada semua objective information about audited activities at tingkatan manajemen. all levels of management. 5. Menyusun standar pelaksanaan fungsi Audit 5. Develop standards for implementing the Internal Internal yang paling sedikit mencakup hal-hal yang Audit function which at least cover the matters diatur dalam Standar Profesional Audit Intern regulated in the Internal Audit Professional sebagai pedoman bagi Auditor Internal dalam Standards as guidelines for Internal Auditors in melaksanakan tugas. carrying out their duties. 6. Menjadi Liaison Officer bagi pihak eksternal 6. Become a Liaison Officer for external parties to the Perusahaan dalam kaitannya dengan fungsi audit. Company in relation to the audit function. 568 Laporan Tahunan 2023 | PT Pegadaian
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Struktur Organisasi dan Kedudukan Satuan Organizational Structure and Position of the
Pengawasan Intern dalam Struktur Perseroan Internal Audit Unit in the Company Structure
Berdasarkan Peraturan Direksi No. 39 Tahun 2023 Based on Regulation of the Board of Directors No.
tentang Struktur Organisasi Korporasi dan Peraturan 39 of 2023 concerning Corporate Organizational
Direksi No. 35 Tahun 2023 tentang Struktur Organisasi Structure and Regulation of the Board of Directors No.
dan Tata Kerja (SOTK) Satuan Pengawasan Intern, 35 of 2023 concerning Organizational Structure and
struktur organisasi SPI di Perseroan dapat dilihat Work Procedures (SOTK) of the Internal Audit Unit,
sebagai berikut: the organizational structure of SPI in the Company can
be seen as follows:
RUPS
AGMS
Dewan Komisaris
Board of Commissioners
Direktur Utama
President Director
Satuan Pengawasan Intern
Internal Audit Unit
Inspektorat
Pengembangan Inspektorat Pusat Inspektorat Wilayah 1 Inspektorat Wilayah 2 Inspektorat Wilayah 3
Development Central Inspectorate Regional Inspectorate 1 Regional Inspectorate 2 Regional Inspectorate 3
Inspectorate
Secara struktural organisasi SPI dipimpin oleh Kepala Structurally, the Internal Audit Unit is led by the
SPI yang diangkat dan diberhentikan oleh Direksi Head of the Internal Audit Unit who is appointed and
dengan persetujuan dari Dewan Komisaris, Sehingga dismissed by the Board of Directors with the approval
kedudukan Kepala SPI berada langsung dibawah of the Board of Commissioners, so that the position
Direktur Utama. Kepala SPI bertanggung jawab kepada of the Head of the Internal Audit Unit is directly
Direktur Utama dan dapat berkomunikasi langsung under the President Director. The Head of the Internal
dengan Dewan Komisaris untuk menginformasikan Audit Unit is responsible to the President Director
berbagai hal yang berkaitan dengan hasil audit. and can communicate directly with the Board of
Pemberian informasi tersebut harus dilaporkan kepada Commissioners to inform various matters related to
Direktur Utama. audit results. Provision of such information must be
reported to the President Director.
Komposisi Personel dan Pendidikan Satuan Composition of Personnel and Education of
Pengawasan Intern the Internal Audit Unit
Di tahun 2023, SPI turut didukung oleh 379 personel In 2023, SPI supported by 379 personnel consisting of
yang terdiri dari Inspektorat Pusat sebanyak 27 27 Central Inspectorate personnel and 352 Regional
personel dan Inspektorat Wilayah sebanyak 352 Inspectorate personnel. Details of SPI personnel and
personel. Rincian personel SPI beserta riwayat their educational history can be seen as follows:
pendidikannya dapat dilihat sebagai berikut:
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Tata Kelola Perusahaan
Corporate Governance
Komposisi dan Pendidikan Personel di Inspektorat Pusat
Composition and Education of Personnel in the Central Inspectorate
Jabatan Jumlah Riwayat Pendidikan
Position Total Education History
Inspektur
1 S2 : 1
Inspector
Kepala Audit Internal S2 : 2
4
Head of Internal Audit S1 : 2
Ketua Tim S2 : 3
8
Team Leader S1 : 5
S2 : 2
Auditor 1/2 13
S1 : 11
Administrator 1 S1 : 1
Jumlah
27
Total
Komposisi dan Pendidikan Personel di Inspektorat Wilayah
Composition and Education of Personnel in Regional Inspectorates
Jabatan Jumlah Riwayat Pendidikan
Position Total Education History
Inspektur S2 : 2
3
Inspector S1 : 1
Kepala Audit Internal S2 : 4
12
Head of Internal Audit S1 : 8
Ketua Tim S2 : 18
162
Team Leader S1 : 144
S2 : 10
Auditor 1/2 161 S1 : 144
D-III : 7
S1 : 9
Administrator 14 D-III : 2
SMA : 3
Jumlah
352
Total
Sertifikasi Profesi Professional Certification
Auditor Perseroan telah memiliki kualifikasi dan Auditors have adequate qualifications and
kompetensi yang memadai dalam melaksanakan competence in carrying out their functions and duties,
fungsi dan tugasnya, hal ini ditandai dengan sertifikasi this is indicated by the certification held by most
yang dimiliki oleh sebagian besar auditor dan akan auditors and will be followed by other auditors. The
diikuti oleh auditor lainnya. Sertifikasi yang telah certifications owned by the Company’s auditors in
dimiliki oleh auditor Perseroan s.d. Tahun 2023 dapat 2023 are as follows:
dilihat sebagaimana tabel berikut.
Tabel Sertifikasi Profesi Auditor Perseroan s.d. Tahun 2023
Table of the Company’s Auditor Professional Certification for 2023
Nama Sertifikasi Jumlah Sertifikasi
No
Certification Name Total Certification
1 Qualified Internal Auditor (QIA) 144
2 Certified Forensic Auditor (CFrA) 134
3 Professional Internal Auditor (PIA) 131
4 Auditor Ahli Teknologi Informasi 6
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Tabel Sertifikasi Profesi Auditor Perseroan s.d. Tahun 2023
Table of the Company’s Auditor Professional Certification for 2023
Nama Sertifikasi Jumlah Sertifikasi
No
Certification Name Total Certification
5 Certified Internal Audit Executive (CIAE) 2
6 Certified Risk Professional (CRP) 1
7 Certified Hacking Forensic Investigator (CHFI) 1
8 Certified Ethical Hacker (CEH) 1
9 Certified Governance, Risk Management and Compliance Professional (CGRCP) 1
Perseroan berkomitmen untuk meningkatkan level The Company is committed to increasing the level of
sertifikasi profesi bagi karyawan SPI, baik bagi professional certification for SPI employees, both for
karyawan yang telah memiliki sertifikasi profesi employees who already have professional certification
maupun yang belum memiliki sertifikasi profesi. Selain and those who do not. In addition, the mandatory
itu, atribut yang harus dimiliki oleh auditor internal qualifications possessed by the Company’s internal
adalah sebagai berikut: audit profession are as follows:
1. Atribut Profesional (Professional Attribute) 1. Professional Attribute
a. Berpikir kritis dengan menggunakan nalar a. Think critically by using reason and logic in
dan logika dalam mengevaluasi informasi dan evaluating information and recommendations.
rekomendasi.
b. Memiliki keahlian teknis (memahami proses b. Have technical expertise (understanding
bisnis, sektor industri gadai dan sektor terkait business processes, pawn industry sector and
lainnya serta teknologi). other related sectors and technology).
c. Berpegang teguh pada aturan yang berlaku. c. Stick to the applicable rules.
d. Memiliki sense of risk (memprioritaskan d. Have a sense of risk (prioritize high risk areas).
bidang-bidang yang berisiko tinggi).
2. Atribut Relasi (Relational Attribute) 2. Relational Attribute
a. Memiliki kemampuan berkomunikasi secara a. Have the ability to communicate effectively.
efektif.
b. Membangun dan menjaga hubungan kemitraan b. Building and maintaining partnership
dengan pihak yang diaudit. relationships with audited parties.
3. Atribut Personal (Personal Attribute) 3. Personal Attribute
a. Ketahanan etis (integritas, berani, jujur, a. Ethical resilience (integrity, courage, honesty,
akuntabilitas dan kepercayaan). accountability and trust).
b. Fokus pada hasil (manfaat atas kegiatan b. Focus on results (benefits of audit activities
audit dalam meningkatkan produktivitas in increasing productivity or improvement,
atau perbaikan, berorientasi pada bisnis dan business and stakeholder oriented).
pemangku kepentingan).
c. Berpikiran terbuka. c. Open minded.
d. Proaktif, antusias dan dinamis. d. Proactive, enthusiastic and dynamic.
e. Independen dan objektif. e. Independent and objective.
Kode Etik Auditor Auditor Code of Ethics
Karyawan SPI Perseroan diwajibkan mematuhi Standar The Company’s SPI employees are required to comply
Profesi Auditor Internal dan Kode Etik Auditor Internal with the Internal Auditor Professional Standards
yang dikeluarkan oleh Asosiasi Auditor Internal and the Internal Auditor Code of Ethics issued by
maupun internal Perusahaan, serta wajib menjaga the Association of Internal and Internal Auditors
kerahasiaan informasi dan/atau data Perseroan of the Company, and are required to maintain the
terkait dengan pelaksanaan tugas dan tanggung confidentiality of the Company’s information and/
jawab SPI kecuali diwajibkan berdasarkan peraturan or data related to the implementation of SPI’s duties
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Tata Kelola Perusahaan
Corporate Governance
perundangan-undangan atau penetapan/putusan and responsibilities unless required by statutory
pengadilan. Tata nilai yang dianut Auditor SPI yaitu regulations or court decision/decision. The values
Integritas, Objektivitas, Kerahasiaan, dan Kompetensi, adhered to by SPI Auditors are Integrity, Objectivity,
dengan uraian sebagai berikut: Confidentiality and Competence, with the following
description:
1. Integritas 1. Integrity
Auditor Internal harus bersikap jujur, membangun Internal Auditors must be honest, build trust
kepercayaan yang menjadi dasar berpijak Auditor which is the basis for Internal Auditors to stand in
Internal dalam melaksanakan tugas dan tanggung carrying out their duties and responsibilities.
jawab.
2. Objektivitas 2. Objectivity
Auditor Internal melakukan penilaian yang seimbang Internal Auditors carry out a balanced assessment
atas segala hal yang relevan dan tidak terpengaruh of all relevant matters and are not influenced
(secara tidak semestinya) oleh kepentingan pribadi (improperly) by personal interests or other
atau pihak lain, dengan demikian Auditor Internal parties, thus Internal Auditors must demonstrate
harus menunjukkan objektivitas profesional pada professional objectivity at the highest level
level tertinggi dalam memperoleh, mengevaluasi in obtaining, evaluating and communicating
dan mengkomunikasikan informasi tentang objek information about the objects being tested.
yang diuji.
3. Kerahasiaan 3. Confidentiality
Auditor Internal menghargai nilai dan kepemilikan Internal Auditors respect the value and ownership
informasi yang diperoleh dalam pelaksanaan tugas of information obtained in the performance of
dan tidak mengungkap informasi tersebut (tanpa their duties and do not disclose such information
kewenangan yang sah), kecuali diwajibkan oleh (without legal authority), unless required by law
hukum dan/atau profesi. and/or the profession.
4. Kompetensi 4. Competence
Auditor Internal wajib menerapkan pengetahuan, Internal auditors are required to apply the
kecakapan dan pengalaman yang diperlukan knowledge, skills and experience required to carry
dalam melaksanakan tugas. out their duties.
Program Pengembangan Kompetensi Competency Development Program
Program pengembangan kompetensi merupakan The competency development program is part of
bagian dari pengembangan kapasitas Audit Internal the capacity building for the Company’s Internal
Perseroan, khususnya untuk mengikuti perkembangan Audit, particularly to keep abreast of developments
isu-isu seputar audit dan fungsi-fungsi di bawah SPI. in audit issues and functions under SPI. Regarding
Tentang kegiatan peningkatan kompetensi yang diikuti competency development activities that will be
Kepala SPI di sepanjang tahun 2023 dapat dilihat pada attended by the Head of SPI throughout 2022 can be
bab Profil Perusahaan dalam Laporan Tahunan ini. seen in the Company Profile chapter in this Annual
Berikut disampaikan pendidikan dan pelatihan yang Report. The following is the education and training as
diikuti oleh karyawan SPI di Tahun 2023, meliputi: well as certification that SPI employees will take part
in in 2023, including:
Nama Program Jumlah Peserta
No
Program Name Total Participant
Workshop Tata Cara Asesmen Efektivitas Pengendalian Intern dan Kinerja Satuan
Pengawas Intern (SPI)/ Quality Assurance Review
1 5
Workshop on Procedures for Assessing the Effectiveness of Internal Control and
Performance of the Internal Supervisory Unit (SPI)/ Quality Assurance Review
Pelatihan Penerapan Sistem Manajemen Anti Penyuapan (SMAP)
2 56
Anti-Bribery Management System Implementation Training (SMAP)
Pelatihan Brilliant Specialist Development Program (BSDP) Batch I
3 13
Brilliant Specialist Development Program (BSDP) Batch I Training
Sertifikasi Qualified Internal Auditor (QIA)
4 54
Qualified Internal Auditor (QIA) Certification
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Nama Program Jumlah Peserta
No
Program Name Total Participant
Sertifikasi Certified Forensic Auditor (CFrA)
5 30
Certified Forensic Auditor (CFrA) Certification
Pelatihan Internal Audit Capability Model (IACM)
6 2
Internal Audit Capability Model (IACM) Training
Konferensi Auditor Internal YPIA
7 4
YPIA Internal Auditor Conference
Pelatihan Fraudulent Financial Statement Detection
8 4
Fraudulent Financial Statement Detection Training
Pelatihan Audit Intelligence
9 2
Audit Intelligence Training
Pelatihan Tingkat Komponen Dalam Negeri (TKDN)
10 49
Domestic Component Level Training (TKDN)
Seminar Optimalisasi Tugas, Fungsi dan Kinerja Auditor SPI PT Pegadaian : Teknik
Penyusunan Dokumen Audit dan Peran Auditor dalam Pembuktian Tindak Pidana
Korupsi (Fraud)
11 370
Seminar on Optimizing Duties, Functions and Performance of SPI PT Pegadaian
Auditors: Techniques for Preparing Audit Documents and the Role of Auditors in
Proving Corruption Crimes (Fraud)
E-Learning Modul IT Audit (Kompetensi Teknis)
12 360
E-Learning IT Audit Module (Technical Competency)
Pelatihan Brilliant Specialist Development Program (BSDP) Batch II
13 27
Brilliant Specialist Development Program (BSDP) Batch II training
Pelatihan Relative Valuation Method for Gold and Securities
14 52
Relative Valuation Method for Gold and Securities Training
Pelatihan Web Application Penetration Testing
15 4
Web Application Penetration Testing Training
Kebijakan dan Pelaksanaan Rapat Satuan Policy and Implementation of Internal Audit
Pengawasan Intern Unit Meetings
Selama tahun 2023, SPI telah melaksanakan rapat During 2023, SPI has held 91 meetings, including:
sebanyak 91 kali rapat, meliputi:
a. Rapat Direksi sebanyak 59 kali a. Board of Directors meetings 59 times
b. Rapat dengan Dewan Komisaris sebanyak 8 kali b. Meetings with the Board of Commissioners 8 times
c. Rapat dengan Komite Audit sebanyak 24 kali c. Meetings with the Audit Committee 24 times
Adapun rapat SPI dengan Direksi, Dewan Komisaris, The SPI meetings with the Board of Directors, Board
dan/atau Komite Audit sebagai berikut: of Commissioners and/or Audit Committee are as
follows:
Tanggal
Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Meeting agenda Meeting participants
date
03 Januari 2023 Rapat Direksi BOD dan BOM
1
January 03, 2023 Board of Directors Meeting BOD and BOM
13 Januari 2023 Pembahasan PKPT SPI Tahun 2023 Komite Audit
2
January 13, 2023 Discussion of 2023 SPI PKPT Audit Committee
17 Januari 2023 Rapat Direksi BOD dan BOM
3
January 17, 2023 Board of Directors Meeting BOD and BOM
Evaluasi Kinerja SPI Tahun 2021 - 2022 bersama Komite Komite Audit, Kepala SPI,
17 Januari 2023 Audit Inspektur, Advisor
4
January 17, 2023 SPI Performance Evaluation 2021 - 2022 with the Audit Audit Committee, Head of SPI,
Committee Inspector, Advisor
PT Pegadaian | 2023 Annual Report 573
Page 574
Tata Kelola Perusahaan
Corporate Governance
Tanggal
Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Meeting agenda Meeting participants
date
Pembahasan Kinerja Perusahaan s.d. Desember 2022 dan Komite Audit, Kepala SPI,
18 Januari 2023 Rapat Laporan Bulan Desember 2022 Inspektur, Advisor, KAI, Staf
5
January 18, 2023 Discussion of Company Performance until December 2022 Audit Committee, Head of SPI,
and Report Meeting for December 2022 Inspector, Advisor, KAI, Staff
24 Januari 2023 Rapat Direksi BOD dan BOM
6
January 24, 2023 Board of Directors Meeting BOD and BOM
Dewan Komisaris, Kepala SPI,
Inspektur, Advisor, KAI, Auditor
27 Januari 2023 Exit Meeting Audit Eksternal oleh Kantor Akuntan Publik
7 Board of Commissioners, Head
January 27, 2023 Exit Meeting External Audit by Public Accounting Firm
of SPI, Inspector, Advisor, KAI,
Auditor
31 Januari 2023 Rapat Direksi BOD dan BOM
8
January 31, 2023 Board of Directors Meeting BOD and BOM
Dewan Komisaris, Komite Audit,
Rapat Internal bersama Dewan Komisaris & Komite Audit Kepala SPI, Inspektur, Advisor
03 Februari 2023
9 Internal Meeting with the Board of Commissioners & Audit Board of Commissioners,
February 03, 2023
Committee Audit Committee, Head of SPI,
Inspector, Advisor
07 Februari 2023 Rapat Direksi BOD dan BOM
10
February 7, 2023 Board of Directors Meeting BOD and BOM
08 Februari 2023 Rapat Direksi BOD dan BOM
11
February 8, 2023 Board of Directors Meeting BOD and BOM
15 Februari 2023 Rapat Direksi BOD dan BOM
12
February 15, 2023 Board of Directors Meeting BOD and BOM
Pembahasan Kinerja Perusahaan s.d. Januari 2023 dan Komite Audit, Kepala SPI,
20 Februari 2023 Rapat Laporan Bulan Januari 2023 Inspektur, Advisor, KAI, Staf
13
February 20, 2023 Discussion of Company Performance up to January 2023 Audit Committee, Head of SPI,
and Report Meeting for January 2023 Inspector, Advisor, KAI, Staff
17 Mei 2023 Rapat Direksi BOD dan BOM
14
May 17, 2023 Board of Directors Meeting BOD and BOM
Pembahasan Kinerja Perusahaan s.d. April 2023 dan Rapat Komite Audit, Kepala SPI,
17 Mei 2023 Laporan Bulan April 2023 Inspektur, Advisor, KAI, Staf
15
May 17, 2023 Discussion of Company Performance until April 2023 and Audit Committee, Head of SPI,
Report Meeting for April 2023 Inspector, Advisor, KAI, Staff
19 Mei 2023 Rapat Direksi BOD dan BOM
16
May 19, 2023 Board of Directors Meeting BOD and BOM
Komite Audit, Kepala SPI,
22 Mei 2023 Pembahasan Hal-hal Strategis SPI Inspektur, Advisor
17
May 22, 2023 Discussion of SPI's Strategic Matters Audit Committee, Head of SPI,
Inspector, Advisor
23 Mei 2023 Rapat Direksi BOD dan BOM
18
May 23, 2023 Board of Directors Meeting BOD and BOM
26 Mei 2023 Rapat Direksi BOD dan BOM
19
May 26, 2023 Board of Directors Meeting BOD and BOM
29 Mei 2023 Rapat Direksi BOD dan BOM
20
May 29, 2023 Board of Directors Meeting BOD and BOM
Komite Audit, Kepala SPI,
Inspektur, Advisor, Kepala Divisi
30 Mei 2023 Pembahasan TOR Tahun Buku 2023 Akuntansi
21
May 30, 2023 Discussion of TOR for Fiscal Year 2023 Audit Committee, Head of SPI,
Inspector, Advisor, Head of
Accounting Division
31 Mei 2023 Rapat Direksi BOD dan BOM
22
May 31, 2023 Board of Directors Meeting BOD and BOM
06 Juni 2023 Rapat Direksi BOD dan BOM
23
June 06, 2023 Board of Directors Meeting BOD and BOM
574 Laporan Tahunan 2023 | PT Pegadaian
Page 575
Tanggal
Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Meeting agenda Meeting participants
date
13 Juni 2023 Rapat Direksi BOD dan BOM
24
June 13, 2023 Board of Directors Meeting BOD and BOM
Pembahasan Kinerja Perusahaan s.d. Mei 2023 dan Rapat Komite Audit, Kepala SPI,
20 Juni 2023 Laporan Bulan Mei 2023 Inspektur, Advisor, KAI, Staf
25
June 20, 2023 Discussion of Company Performance until May 2023 and Audit Committee, Head of SPI,
Report Meeting for May 2023 Inspector, Advisor, KAI, Staff
27 Juni 2023 Rapat Direksi BOD dan BOM
26
June 27, 2023 Board of Directors Meeting BOD and BOM
11 Juli 2023 Rapat Direksi BOD dan BOM
27
July 11, 2023 Board of Directors Meeting BOD and BOM
14 Juli 2023 Rapat Direksi BOD dan BOM
28
July 14, 2023 Board of Directors Meeting BOD and BOM
Komite Audit, Kepala SPI,
17 Juli 2023 Rapat Laporan Triwulan II 2023 Inspektur, Advisor, KAI, Staf
29
July 17, 2023 Second Quarter Report Meeting 2023 Audit Committee, Head of SPI,
Inspector, Advisor, KAI, Staff
18 Juli 2023 Rapat Direksi BOD dan BOM
30
July 18, 2023 Board of Directors Meeting BOD and BOM
Komite Audit, Kepala SPI,
Inspektur, Advisor, KAI, Auditor,
18 Juli 2023 Diskusi Pra Kick Off Audit KAP 2023 KAP
31
July 18, 2023 Pre-KAP Audit Kick Off Discussion 2023 Audit Committee, Head of SPI,
Inspector, Advisor, KAI, Auditor,
KAP
Komite, Kepala SPI, Inspektur,
18 Juli 2023 Pembahasan Kinerja Perusahaan s.d. Juni 2023 Advisor, KAI, Staf
32
July 18, 2023 Discussion of Company Performance until June 2023 Committee, Head of SPI,
Inspector, Advisor, KAI, Staff
25 Juli 2023 Rapat Direksi BOD dan BOM
33
July 25, 2023 Board of Directors Meeting BOD and BOM
Dewan Komisaris, Komite Audit,
Kepala SPI, Inspektur, Advisor,
Kepala Divisi, Direktur, Perusahaan
Anak, KAI, Auditor, KAP
28 Juli 2023 Kick Off Meeting Audit KAP 2023
34 Board of Commissioners,
July 28, 2023 2023 KAP Audit Kick Off Meeting
Audit Committee, Head of SPI,
Inspector, Advisor, Head of
Division, Director, Subsidiary
Company, KAI, Auditor, KAP
02 Agustus 2023 Rapat Direksi BOD dan BOM
35
August 2, 2023 Board of Directors Meeting BOD and BOM
08 Agustus 2023 Rapat Direksi BOD dan BOM
36
August 8, 2023 Board of Directors Meeting BOD and BOM
15 Agustus 2023 Rapat Direksi BOD dan BOM
37
August 15, 2023 Board of Directors Meeting BOD and BOM
Pembahasan Kinerja Perusahaan s.d. Juli 2023 dan Rapat Komite Audit, Kepala SPI,
18 Agustus 2023 Laporan Bulan Juli 2023 Inspektur, Advisor, KAI, Staf
38
August 18, 2023 Discussion of Company Performance until July 2023 and Audit Committee, Head of SPI,
Report Meeting for July 2023 Inspector, Advisor, KAI, Staff
22 Agustus 2023 Rapat Direksi BOD dan BOM
39
August 22, 2023 Board of Directors Meeting BOD and BOM
25 Agustus 2023 Rapat Direksi BOD dan BOM
40
August 25, 2023 Board of Directors Meeting BOD and BOM
29 Agustus 2023 Rapat Direksi BOD dan BOM
41
August 29, 2023 Board of Directors Meeting BOD and BOM
PT Pegadaian | 2023 Annual Report 575
Page 576
Tata Kelola Perusahaan
Corporate Governance
Tanggal
Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Meeting agenda Meeting participants
date
Komite Audit, Kepala SPI,
01 September 2023 Exit Meeting Audit Eksternal oleh Kantor Akuntan Publik Inspektur, Advisor, KAI, Auditor
42
September 01, 2023 Exit Meeting External Audit by Public Accounting Firm Audit Committee, Head of SPI,
Inspector, Advisor, KAI, Auditor
05 September 2023
Rapat Direksi BOD dan BOM
43 September 05,
Board of Directors Meeting BOD and BOM
2023
Rapat Bersama Dewan Komisaris Terkait Materi Belanja
Dewan Komisaris, BOD, Kepala SPI
07 September 2023 Modal
44 Board of Commissioners, BOD,
September 7, 2023 Joint Meeting with the Board of Commissioners Regarding
Head of SPI
Capital Expenditure Material
Pembahasan Permohonan Persetujuan Penghapusbukuan Komite Audit, Kepala SPI,
08 September 2023 Piutang Bisnis Tahap II Tahun 2023 Inspektur, Advisor
45
September 8, 2023 Discussion of the Application for Approval to Write Off Audit Committee, Head of SPI,
Business Receivables Phase II in 2023 Inspector, Advisor
Pembahasan Kinerja Perusahaan s.d. Agustus 2023 dan Komite Audit, Kepala SPI,
15 September 2023 Rapat Laporan Bulan Agustus 2023 Inspektur, Advisor, KAI, Staf
46
September 15, 2023 Discussion of Company Performance until August 2023 Audit Committee, Head of SPI,
and Report Meeting for August 2023 Inspector, Advisor, KAI, Staff
19 September 2023 Rapat Direksi BOD dan BOM
47
September 19, 2023 Board of Directors Meeting BOD and BOM
Rapat Koordinasi Direksi dan Dewan Komisaris PT
29 September 2023 Dewan Komisaris, BOD, Kepala SPI
Pegadaian Tahun 2023
48 September 29, Board of Commissioners, BOD,
Coordination Meeting of the Board of Directors and Board
2023 Head of SPI
of Commissioners of PT Pegadaian in 2023
03 Oktober 2023 Rapat Direksi BOD dan BOM
49
October 3, 2023 Board of Directors Meeting BOD and BOM
06 Oktober 2023 Rapat Direksi BOD dan BOM
50
October 6, 2023 Board of Directors Meeting BOD and BOM
Dewan Komisaris, Kepala SPI,
Pembahasan Timeline dan Progress Tindak Lanjut FGD
Inspektur, Advisor, KAI, Auditor
06 Oktober 2023 Telaah Kasus
51 Board of Commissioners, Head
October 6, 2023 Discussion of Timeline and Progress of Follow-up FGD
of SPI, Inspector, Advisor, KAI,
Case Review
Auditor
11 Oktober 2023 Rapat Direksi BOD dan BOM
52
October 11, 2023 Board of Directors Meeting BOD and BOM
13 Oktober 2023 Rapat Direksi BOD dan BOM
53
October 13, 2023 Board of Directors Meeting BOD and BOM
17 Oktober 2023 Rapat Direksi BOD dan BOM
54
October 17, 2023 Board of Directors Meeting BOD and BOM
Komite Audit, Kepala SPI,
18 Oktober 2023 Rapat Laporan Triwulan III 2023 Inspektur, Advisor, KAI, Staf
55
October 18, 2023 Third Quarter 2023 Report Meeting Audit Committee, Head of SPI,
Inspector, Advisor, KAI, Staff
19 Oktober 2023 Rapat Direksi BOD dan BOM
56
October 19, 2023 Board of Directors Meeting BOD and BOM
24 Oktober 2023 Rapat Direksi BOD dan BOM
57
October 24, 2023 Board of Directors Meeting BOD and BOM
Komite, Kepala SPI, Inspektur, KAI,
Pembahasan Kinerja Perusahaan s.d. September 2023
30 Oktober 2023 Staf
58 Discussion of Company Performance until September
October 30, 2023 Committee, Head of SPI,
2023
Inspector, KAI, Staff
01 November 2023 Rapat Direksi BOD dan BOM
59
November 01, 2023 Board of Directors Meeting BOD and BOM
07 November 2023 Rapat Direksi BOD dan BOM
60
November 7, 2023 Board of Directors Meeting BOD and BOM
576 Laporan Tahunan 2023 | PT Pegadaian
Page 577
Tanggal
Pelaksanaan Agenda Rapat Peserta Rapat
No
Implementation Meeting agenda Meeting participants
date
14 November 2023 Rapat Direksi BOD dan BOM
61
November 14, 2023 Board of Directors Meeting BOD and BOM
Dewan Komisaris, Komite Audit,
Komite Pemantau Risiko, Kepala
Pembahasan Hasil Temuan Material atas Pemeriksaan OJK
SPI, Inspektur, Advisor, Kepala
Tahun 2023, Evaluasi Produk Gadai Efek, dan Pencegahan
Divisi, KAI
14 November 2023 NPL Berulang
62 Board of Commissioners, Audit
November 14, 2023 Discussion of Material Findings from the 2023 OJK Audit,
Committee, Risk Monitoring
Evaluation of Securities Pawn Products, and Prevention of
Committee, Head of SPI,
Recurring NPLs
Inspector, Advisor, Head of
Division, KAI
Pembahasan Kinerja Perusahaan s.d. Oktober 2023 dan Komite Audit, Kepala SPI,
17 November 2023- Rapat Laporan Bulan Oktober 2023 Inspektur, Advisor, KAI, Staf
63
November 17, 2023- Discussion of Company Performance until October 2023 Audit Committee, Head of SPI,
and Report Meeting for October 2023 Inspector, Advisor, KAI, Staff
21 November 2023 Rapat Direksi BOD dan BOM
64
November 21, 2023 Board of Directors Meeting BOD and BOM
Dewan Komisaris, Komite Audit,
Kepala SPI, Inspektur, Advisor,
Update Progress Audit Eksternal oleh Kantor Akuntan
Kepala Divisi, KAI, Auditor, KAP
05 Desember 2023 Publik
65 Board of Commissioners,
December 05, 2023 External Audit Progress Update by Public Accounting
Audit Committee, Head of SPI,
Firm
Inspector, Advisor, Head of
Division, KAI, Auditor, KAP
Komite Audit, Kepala SPI,
14 Desember 2023 Pembahasan CIF Ganda & Hal-hal Strategis Inspektur, Advisor, KAI, Staf
66
December 14, 2023 Discussion of Dual CIF & Strategic Matters Audit Committee, Head of SPI,
Inspector, Advisor, KAI, Staff
15 Desember 2023 Rapat Direksi BOD dan BOM
67
December 15, 2023 Board of Directors Meeting BOD and BOM
Pembahasan Kinerja Perusahaan s.d. November 2023 dan Komite Audit, Kepala SPI,
18 Desember 2023 Rapat Laporan Bulan November 2023 Inspektur, Advisor, KAI, Staf
68
December 18, 2023 Discussion of Company Performance until November 2023 Audit Committee, Head of SPI,
and Report Meeting for November 2023 Inspector, Advisor, KAI, Staff
Komite Audit, Kepala SPI,
Inspektur, Advisor, Kepala Divisi
18 Desember 2023 Pembahasan CKPN & Hal-hal Strategis Akuntansi, KAI
69
December 18, 2023 Discussion of CKPN & Strategic Matters Audit Committee, Head of SPI,
Inspector, Advisor, Head of
Accounting Division, KAI
19 Desember 2023 Rapat Direksi BOD dan BOM
70
December 19, 2023 Board of Directors Meeting BOD and BOM
Laporan Singkat Pelaksanaan Tugas dan Brief Report on the Implementation of Duties
Tanggung Jawab Satuan Pengawasan Intern and Responsibilities of the Internal Audit Unit
SPI menyusun Laporan Pelaksanaan Kegiatan Satuan SPI arrange Report on the Implementation of Internal
Pengawasan Intern dalam bentuk Laporan Bulanan Audit Unit Activities in the form of Monthly Report
yang setiap bulannya disampaikan kepada Direktur which submitted every month to the President Director
Utama dan ditembuskan kepada Komite Audit. Selain and copied to the Audit Committee. Apart from that,
itu, SPI juga menyelenggarakan beberapa program SPI is also organizing several strategic work programs
kerja strategis sepanjang Tahun 2023 dengan rincian throughout 2023 with the following details:
sebagai berikut:
PT Pegadaian | 2023 Annual Report 577
Page 578
Tata Kelola Perusahaan
Corporate Governance
Program Kerja Realisasi Kondisi
No
Work Program Realization Condition
Survei Kepuasan Auditan
1 4,71 dari 5,00 -
Audit Satisfaction Survey
2 Quality Assurance Assessment 4,14 dari 5,00 -
Hasil penilaian Semester I 2023, penilaian
Semester II 2023 dalam proses penilaian
Maturitas SPI
3 3,47 dari 5,00 Semester I of 2023 assessment results,
SPI maturity
Semester II 2023 assessment in the
assessment process
Survei Awareness WBS
4 4,20 dari 5,00 -
WBS Awareness Survey
Professional Training Hours secara Mandiri
5 40,50 jam/ Auditor -
Independent Professional Training Hours
• Disampaikan oleh SPI PT PGDE dan
SPI PT POJ
Penyampaian Laporan Pokok-pokok Hasil • Organ SPI pada PT PIJ belum tersedia
Audit oleh Perusahaan Anak pada Tahun 2023
6 1 (satu) kali/ triwulan
Submission of Audit Results Principal • Presented by SPI PT PGDE and SPI
Reports by Subsidiaries PT POJ
• The SPI organ at PT PIJ has not yet
available in 2023
Selain itu, SPI juga melaksanakan Program Perencanaan Apart from that, SPI also implemented the Annual
Audit Tahunan (PAT) di 12 Kantor Wilayah dan 1 Kantor Audit Planning Program (PAT) in 12 Regional Offices
Pusat, dengan pencapaian sebagai berikut: and 1 Head Office, with the following achievements:
Pencapaian PAT s.d
Realisasi PAT
Unit Kerja Rencana PAT Desember
No PAT
Work Unit PAT Plan PAT Achievement until
Realization
December
Inspektorat Pusat
1 44 77 175,00%
Central Inspectorate
Inspektorat Operasional Wilayah I Medan
2 753 816 108,37%
Medan Region I Operational Inspectorate
Inspektorat Operasional Wilayah II Pekanbaru
3 607 726 119,60%
Pekanbaru Region II Operational Inspectorate
Inspektorat Operasional Wilayah III Palembang
4 623 780 125,20%
Palembang Region III Operations Inspectorate
Inspektorat Operasional Wilayah IV Balikpapan
5 838 937 111,81%
Balikpapan Region IV Operational Inspectorate
Inspektorat Operasional Wilayah V Manado
6 738 825 111,79%
Manado Region V Operational Inspectorate
Inspektorat Operasional Wilayah VI Makassar
7 970 1.034 106,60%
Makassar Region VI Operational Inspectorate
Inspektorat Operasional Wilayah VII Denpasar
8 987 1.076 109,02%
Denpasar Region VII Operational Inspectorate
Inspektorat Operasional Wilayah VIII Jakarta 1
9 942 1.040 110,40%
Operational Inspectorate Region VIII Jakarta 1
Inspektorat Operasional Wilayah IX Jakarta 2
10 893 954 106,83%
Regional IX Jakarta Operational Inspectorate 2
Inspektorat Operasional Wilayah X Bandung
11 713 827 115,99%
Region X Bandung Operational Inspectorate
Inspektorat Operasional Wilayah XI Semarang
12 1.088 1.337 122,89%
Semarang Region XI Operational Inspectorate
Inspektorat Operasional Wilayah XII Surabaya
13 991 1.173 118,37%
Operational Inspectorate Region XII Surabaya
10.187 11.602 113,89%
578 Laporan Tahunan 2023 | PT Pegadaian
Page 579
Fungsi Manajemen Risiko Risk Management Function
Perseroan menyadari bahwa risiko telah menjadi The Company realizes that risk has become an integral
bagian yang tidak terpisahkan dalam setiap proses part of every business process. These risks are inherent
bisnisnya. Risiko-risiko tersebut melekat pada in all activities and decision making and the impact of
semua aktifitas dan pengambilan keputusan serta these risks can significantly affect the stability of the
dampak dari risiko tersebut secara signifikan dapat company. Along with the development of its business,
mempengaruhi kestabilan perusahaan. Seiring dengan the Company must be able to manage risks better.
perkembangan usahanya, Perseroan harus dapat
mengelola risiko dengan lebih baik.
Jumlah dan Kualifikasi Karyawan Bidang Number and Qualifications of Risk
Manajemen Risiko Management Employees
Jumlah Karyawan pada Divisi Manajemen Risiko The number of employees in the Operations and
Operasi dan Korporasi dan Divisi Risiko Kredit dan Corporate Risk Management Division and the Credit
Asuransi tahun 2023 adalah 37 orang dengan tingkat and Insurance Risk Division in 2023 is 37 people with
pendidikan yang sesuai dipersyaratkan Perseroan. the appropriate level of education required by the
Company.
Komposisi dan Pendidikan Personel Divisi Manajemen Risiko Operasi dan Korporasi
Personnel Composition and Education Operations and Corporate Risk Management Division
Jabatan Jumlah Riwayat Pendidikan
Position Total Education History
Kepala Divisi Manajemen Risiko Operasi & Korporasi S2 Ilmu Hukum Bisnis
1
Head of Operations & Corporate Risk Management Division Master of Business Law
Kepala Departemen Enterprise Risk Management S2 Magister Manajemen
1
Head of Enterprise Risk Management Department Master of Management
Kepala Departemen Business Continuity Management S1 Akuntansi
1
Head of Business Continuity Management Department Bachelor in Accounting
Kepala Departemen Operational and Business Risk S1 Manajemen
1
Head of Operational and Business Risk Department Bachelor of Management
• S1 Sistem Informasi
Bachelor of Information System
Senior Manager Enterprise Risk Management 1
• S2 Teknologi Informasi
Master of Information Technology
S1 Ekonomi Manajemen
Manager Business Continuity Management 1
Bachelor of Management Economics
• S1 Ilmu Administrasi Niaga
Bachelor of Business
Manager Operational and Business Risk 1 Administration Science
• S2 Magister Manajemen
Master of Management
S1 Teknik Kelautan
Junior Manager II 1
Bachelor in Marine Engineering
• 1 (satu) orang Diploma Perpajakan,
1 (one) Diploma in Taxation,
• 8 (delapan) orang Sarjana, dan
TotalAssistant Manager I 11
8 (eight) Bachelors, and
• 2 (dua) orang Magister
2 (two) Masters
Jumlah
19
Total
PT Pegadaian | 2023 Annual Report 579
Page 580
Tata Kelola Perusahaan
Corporate Governance
Divisi Risiko Kredit dan Asuransi
Credit Risk and Insurance Division
Jabatan Jumlah Riwayat Pendidikan
Position Total Education History
Kepala Divisi Risiko Kredit dan Asuransi S2 Ekonomi Manajemen
1
Head of Credit Risk and Insurance Division Master of Management Economics
S1 Studi Pembangunan
Vice President 1
Bachelor of Development Studies
Kepala Departemen Pengelolaan Risiko Kredit S1 Akuntansi
1
Head of Credit Risk Management Department Bachelor in Accounting
Kepala Departemen Kebijakan Risiko Kredit S2 Manajemen
1
Head of Credit Risk Policy Department Master of Management
Kepala Departemen Manajemen Portofolio Kredit S1 Akuntansi
1
Head of Credit Portfolio Management Department Bachelor in Accounting
Kepala Departemen Perasuransian S1 Manajemen
1
Head of Insurance Department Bachelor of Management
Manager Kebijakan Risiko Kredit S1 Akuntansi
1
Credit Risk Policy Manager Bachelor in Accounting
D3 Teknik Elektro
Junior Manager II 1
Diploma in Electrical Engineering
• S2 Teknik Industri
Master in Industrial Engineering
• S2 Teknik Kimia
Master in Chemical Engineering
• S2 Ilmu Tanah
Master of Soil Science
• S2 Aktuaria
Assistant Manager I 8
Master of Actuarial
• S1 Teknik Kelautan
Bachelor in Marine Engineering
• S1 Hukum Ekonomi Syariah
Bachelor of Sharia Economic Law
• S1 Akuntansi (2 Orang)
Bachelor in Accounting (2 People)
• S1 Teknik Geologi
Bachelor in Geological
Assistant Manager II 2 Engineering
• S2 Hukum
Master of Law
Jumlah
18
Total
Sertifikasi sebagai Profesi Bidang Manajemen Certification as Risk Management Professional
Risiko
Sertifikasi profesi di bidang manajemen risiko Professional certification in the field of risk management
menjadi salah satu aspek penting untuk mendorong is important aspect to encourage the competence of
kompetensi karyawan Direktorat Manajemen Risiko Risk Management Directorate employees to carry out
untuk melaksanakan fungsi dan tugasnya. Sertifikasi their functions and duties. The certifications held by
yang telah dimiliki oleh karyawan Direktorat Risk Management Directorate employees until 2023
Manajemen Risiko hingga tahun 2023 adalah sebagai are as follows:
berikut:
580 Laporan Tahunan 2023 | PT Pegadaian
Page 581
Divisi Manajemen Risiko Operasi dan Korporasi
Operations and Corporate Risk Management Division
Jabatan Sertifikasi
No
Position Certification
Kepala Divisi Manajemen Risiko Operasi & Korporasi
1. Qualified Risk Governance Professional (QRGP);
1 Head of Operations & Corporate Risk Management
2. Certified Risk Professional (CRP).
Division
Kepala Departemen Enterprise Risk Management 1. Qualified Risk Management Professional (QRMP)
2
Head of Enterprise Risk Management Department 2. Certified Risk Professional (CRP)
1. Business Continuity Management Certified Professional
(BCMCP)
2. Qualified Risk Management Professional (QRMP)
Kepala Departemen Business Continuity Management 3. Certified Risk Professional (CRP)
3
Head of Business Continuity Management Department 4. Sertifikasi Ahli Keselamatan dan Kesehatan Kerja (AK3U)
Umum
General Occupational Health and Safety Expert
Certification (AK3U).
Kepala Departemen Operational and Business Risk 1. Qualified Risk Management Professional (QRMP)
4
Head of Operational and Business Risk Department 2. Certified Risk Professional (CRP)
1. Qualified Risk Management Professional (QRMP)
2. Pelatihan dan Uji Kompetensi Asesor Kompetensi LSP PT
5 Senior Manager Enterprise Risk Management Pegadaian Tahun 2023
Training and Competency Test for PT Pegadaian LSP
Competency Assessors in 2023
1. Qualified Risk Management Professional (QRMP)
2. Sertifikasi Ahli Keselamatan dan Kesehatan Kerja (AK3U)
6 Manager Business Continuity Management Umum
General Occupational Health and Safety Expert
Certification (AK3U)
1. Pelatihan dan Uji Kompetensi Asesor Kompetensi LSP
PT Pegadaian Tahun 2023
Training and Competency Test for PT Pegadaian LSP
7 Manager Operational and Business Risk Competency Assessors in 2023
2. Certified Risk Governance Professional (CRGP)
3. Certified Risk Management Professional (CRMP)
4. Certified Risk Management Officer (CRMO)
8 Junior Manager II PECB Certified ISO/IEC 27001 Foundation
1. 1 (satu) orang Sertifikasi Qualified Risk Management
Analyst (QRMA),
1 (one) person with Qualified Risk Management Analyst
(QRMA) certification,
2. 1 (satu) orang Certified Risk Associate, 1 (satu) orang
9 Assistant Manager I Sertifikasi Business Continuity Management Professional
(BCMP), dan 8 (delapan) orang belum tersertifikasi
1 (one) person is a Certified Risk Associate, 1 (one)
person is a Certified Business Continuity Management
Professional (BCMP), and 8 (eight) people are not yet
certified.
Divisi Risiko Kredit dan Asuransi
Credit Risk and Insurance Division
Jabatan Sertifikasi
No
Position Certification
Kepala Divisi Risiko Kredit dan Asuransi
1 Certified Risk Professional (CRP).
Head of Credit Risk and Insurance Division
1. Qualified Risk Management Professional (QRMP)
2 Vice President
2. Certified Risk Professional (CRP)
Kepala Departemen Pengelolaan Risiko Kredit 1. Qualified Risk Management Professional (QRMP)
3
Head of Credit Risk Management Department 2. Certified Risk Professional (CRP)
PT Pegadaian | 2023 Annual Report 581
Page 582
Tata Kelola Perusahaan
Corporate Governance
Jabatan Sertifikasi
No
Position Certification
1. Qualified Risk Management Professional (QRMP)
2. Certified Risk Professional (CRP)
Kepala Departemen Kebijakan Risiko Kredit 3. Asesmen Uji Kompetensi Workplace Assessment
4
Head of Credit Risk Policy Department Workplace Assessment Competency Test Assessment
4. Ahli Manajemen Risiko Utama
Lead Risk Management Expert
Kepala Departemen Manajemen Portofolio Kredit 1. Qualified Risk Management Professional (QRMP)
5
Head of Credit Portfolio Management Department 2. Certified Risk Professional (CRP)
1. Qualified Risk Management Professional (QRMP)
2. Certified Risk Professional (CRP)
Kepala Departemen Perasuransian
6 3. Ahli Manajemen Risiko Perasuransian (AMRP)
Head of Insurance Department
Insurance Risk Management Expert (AMRP)
4. Certified Insurance Legal Consultant
1. Pelatihan dan Uji Kompetensi Asesor Kompetensi LSP PT
Pegadaian Tahun 2023
Training and Competency Test for PT Pegadaian LSP
7 Manager Kebijakan Risiko Kredit Competency Assessors in 2023
2. Qualified Risk Management Professional (QRMP)
3. Certified Risk Management Professional (CRMP)
4. Certified Risk Management Officer (CRMO)
Belum Tersertifikasi
8 Junior Manager II
Not Certified Yet
1. 1 (satu) orang Sertifikasi Certified Risk Management
Officer (CRMO),
1 (one) Certified Risk Management Officer (CRMO)
Certification,
9 Assistant Manager I
2. 4 (empat) orang Certified Risk Associate, dan 3 (tiga)
orang belum tersertifikasi.
4 (four) people are Certified Risk Associates, and 3
(three) people are not yet certified.
2 (dua) orang Belum Tersertifikasi
10 Assistant Manager II
2 (two) people are not yet certified
Program Pengembangan Kompetensi Bidang Risk Management Competency Development
Manajemen Risiko Program
Berikut disampaikan pendidikan dan pelatihan serta The following is the education and training as well as
sertifikasi yang diikuti oleh karyawan Divisi Manajemen certification that were attended by employees of the
Risiko Operasi dan Korporasi di tahun 2023. Operations and Corporate Risk Management Division
in 2023.
Jenis Pendidikan
dan Pelatihan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Type of Education Material of Education and Training Venue/Date Organizer
and Training
IRMAPA (Indonesia
Pelatihan Training Penggunaan Teknik Asesmen Risiko Online, 01 Maret 2023 Risk Management
Training Training on the Use of Risk Assessment Technique Online, March 01, 2023 Professional
Association)
Online, 01 Maret 2023 Association of Certified
Workshop Workshop Fraud Risk Management
Online, March 01, 2023 Fraud Examiners (ACFE)
Seminar Best Practices Implementation of Hybrid, 20 Maret 2023
Seminar ET Asia
Integrated GRC Hybrid, March 20, 2023
Training Manajemen Risiko ISO:31000 Hybrid, 15 Juni 2023
Training PT RMA Solusi Indonesia
ISO:31000 Risk Management Training Hybrid June 15, 2023
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Page 583
Jenis Pendidikan
dan Pelatihan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Type of Education Material of Education and Training Venue/Date Organizer
and Training
Seminar Manajemen Pengendalian dan Mitigasi-
Risiko Operasional Pada Industri Lembaga Jasa
Hybrid, 21 Juni 2023
Seminar Keuangan Non Bank ET Asia
Hybrid, June 21, 2023
Risk Control and Mitigation Management in the
Non-Bank Financial Services Industry
Royal Ambarrukmo
Yogyakarta, 24 Agustus
GRC Summit: Seminar & Masterclass Onsite
Seminar 2023 GRC Summit
"Building Resilient Future Through GRC and ESG"
Yogyakarta, August 24,
2023
Hybrid, 06 September
Seminar Hybrid Digital Risk : Awareness and
2023
Seminar Mitigation for Corporate PT Pegadaian Tahun ET Asia
Hybrid, September 6,
2023
2023
Virtual Class, 01
Pelatihan Pengukuran Kematangan Manajemen
Pelatihan November 2023
Risiko CRMS Indonesia
Training Virtual Class, November
Risk Management Maturity Measurement Training
01, 2023
Hybrid, 29 November
Seminar Risiko Hukum: Implementation
2023
Seminar Compliance Employee and Industrial Relation in ET Asia
Hybrid, November 29,
Corporate
2023
Pelaksanaan Kegiatan Bidang Manajemen Implementation of Risk Management Activities
Risiko
Throughout 2023, the Risk Management Directorate
Sepanjang tahun 2023, Direktorat Manajemen Risiko has carried out the following activities:
telah melaksanakan kegiatan sebagai berikut:
Jabatan Sertifikasi
No
Activity Name Implementation Date
Rakortas Manajemen Risiko Tahun
2023 8 - 10 Maret 2023
1
Risk Management Coordination March 8 - 10, 2023
Meeting 2023
• 14 April 2023
April 14, 2023
• 18 Juli 2023
2 Risk Management Committee
July 18, 2023
• 17 Oktober 2023
October 17, 2023
Focus Group Discussion RAS dan
Profil Risiko Tahun 2023 17 - 18 Maret 2023
3
Focus Group Discussion on RAS and March 17 - 18, 2023
Rwisk Profile in 2023
Dilaksanakan setiap satu bulan sekali
4 Risk Regional Forum
• Risk Campaign : WASKAT tayang 15 Maret 2023
• Risk Campaign : BERKAH tayang 4 Mei 2023
5 Podcast • Risk Campaign : Business Continuity Management System tayang 26 Juli
2023
• Risk Campaign : Budaya Risiko tayang 20 Desember 2023
PT Pegadaian | 2023 Annual Report 583
Page 584
Tata Kelola Perusahaan
Corporate Governance
Jabatan Sertifikasi
No
Activity Name Implementation Date
• Artikel Culture News Eps #1 13 - 17 Februari 2023 Tema: KOLABORATIF
Judul: "Profil Risiko Perusahaan”
• Artikel Culture News Eps #2 10-15 April 2023 Tema: ADAPTIF Judul:
"BERKAH (Berikhtiar Kelola Kredit Aman & Sehat) RAMADHAN”
• Artikel Culture News Eps #3 29 Mei - 3 Juni 2023 Tema: KOLABORATIF
Judul: “Sistem Manajemen Keselamatan dan Kesehatan Kerja (SMK3)”
Artikel Culture News
6
Culture News Article • Artikel Culture News Eps #4 10 - 15 Juli 2023 Tema: KOLABORATIF
Judul: “”Risk Control Self Assessment (RCSA)”
• Artikel Culture News Eps #5 2-7 Oktober 2023 Tema: AMANAH Judul:
"Credit Risk Scoring dan Override"
• Artikel Culture News Eps #6 4 - 8 September 2023 Tema: KOLABORATIF
Judul: "Pengelolaan Asuransi atau Penjaminan"
• Monthly Briefing Change Agent #1: “Budaya Risiko” tanggal 21
September 2023
• Monthly Briefing Change Agent #2: “Implementasi Business Continuity
Management” tanggal 23 Oktober 2023
7 Monthly Briefing
• Monthly Briefing Change Leader #3: “Program dan Kebijakan
Pengendalian Kredit” tanggal 22 November 2023
• Monthly Briefing Change Agent #4: “Risk Culture” tanggal 15 Desember
2023
• 14 - 22 Maret 2023
March 14 - 22, 2023
• 8 - 12 Agustus 2023
August 8 - 12, 2023
• E-Learning #3 “Pemahaman Manajemen Risiko Pegadaian” pada periode
8 E - Learning
14 - 16 November 2023
• E-Learning #4 “Business Continuity Plan (BCP) Co-Location” pada
periode 7 - 11 Desember 2023
• 25 - 26 Mei 2023
May 25 - 26, 2023
9 Training
• 5 Juni 2023
June 5, 2023
22 - 23 September 2023
10 Simulasi Tanggap Darurat
September 22 - 23, 2023
8 Juni - 6 Juli 2023
11 Sosialisasi Security Awareness
June 8 - July 6, 2023
• 22 - 23 Mei 2023
May 22 - 23, 2023
• 26 - 28 Mei 2023
May 26 - 28, 2023
• 11 - 13 Agustus 2023
12 Switch Over DC-DRC
August 11 - 13, 2023
• 15 - 17 September 2023
September 15 - 17, 2023
• 13 - 15 Oktober 2023
October 13 - 15, 2023
13 - 14 Juli 2023
13 Surveillance BCMS
July 13 - 14, 2023
584 Laporan Tahunan 2023 | PT Pegadaian
Page 585
Audit Eksternal/Akuntan Publik External Audit/Public Accountant
Akuntan Publik, atau proses audit yang dilakukan pihak Public Accountant, or audit processes carried out by
eksternal melakukan audit finansial untuk memberikan external parties carry out financial audits to provide
pendapat yang independen dan objektif mengenai independent and objective opinions regarding the
kewajaran, ketaatan dan kesesuaian laporan keuangan fairness, compliance and conformity of the Company’s
Perseroan dengan Standar Akuntansi Keuangan financial statements with Indonesian Financial
(SAK) Indonesia dan peraturan perundang-undangan Accounting Standards (SAK) and applicable laws and
yang berlaku. Keberadaan akuntan publik diatur regulations. The existence of a public accountant is
melalui Undang-Undang No. 5 Tahun 2011 tentang regulated through Law No. 5 of 2011 concerning Public
Akuntan Publik, Peraturan Pemerintah No. 20 Tahun Accountants, Government Regulation No. 20 of 2015
2015 tentang Praktik Akuntan Publik, dan Peraturan concerning the Practice of Public Accountants, and
OJK No. 13/POJK.03/2017 tentang Penggunaan Jasa FSA Regulation No. 13/POJK.03/2017 concerning
Akuntan Publik dan Kantor Akuntan Publik dalam the Use of Public Accountant Services and Public
Kegiatan Jasa Keuangan. Accounting Firms in Financial Services Activities.
Kepatuhan terhadap Standar Akuntansi Compliance with Indonesian Financial
Keuangan Indonesia Accounting Standards
Manajemen bertanggung jawab terhadap penyajian Management is responsible for presenting the Company’s
laporan keuangan Perseroan dan patuh terhadap financial statements and complying with the SAK in
SAK yang berlaku di Indonesia yang ditetapkan oleh force in Indonesia established by the Indonesian Institute
Ikatan Akuntan Indonesia (IAI) dan Keputusan Ketua of Accountants (IAI) and Decree of the Chairman of the
Badan Pengawas Pasar Modal Lembaga Keuangan Financial Institution Capital Market Supervisory Agency
(BapepamLK) yang sekarang menjadi Otoritas (Bapepam-LK) which is now the Financial Services
Jasa Keuangan (OJK) No. VIII.G.7, Lampiran Surat Authority (FSA) No. VIII.G.7, Attachment to Decree
Keputusan No. KEP347/BL/2012, tanggal 25 Juni No. KEP-347/BL/2012, dated 25 June 2012 concerning
2012 tentang Pedoman Penyajian dan Pengungkapan Guidelines for Presentation and Disclosure of Financial
Laporan Keuangan Emiten atau Perseroan Publik. Statements of Issuers or Public Companies.
Prosedur Audit Eksternal dan Standar Audit External Audit Procedures and Auditing
Standards
Auditor Publik harus terbebas dari pengaruh The Public Auditor must be free from the influence of
Dewan Komisaris, Direksi dan pihak-pihak yang the Board of Commissioners, the Board of Directors
berkepentingan dalam Perseroan, serta Perseroan and interested parties in the Company, and the
wajib menyediakan semua catatan akuntansi dan Company must provide all accounting records
data penunjang yang diperlukan dalam proses audit and supporting data needed in the external audit
eksternal sehingga memungkinkan Auditor Publik process so as to enable the Public Auditor to give his
memberikan pendapatnya tentang kewajaran, ketaat- opinion on the fairness, compliance and suitability of
azasan dan kesesuaian laporan keuangan Perseroan reports Company finance with Indonesian Financial
dengan Standar Akuntansi Keuangan Indonesia. Accounting Standards.
Prosedur audit eksternal dan standar audit yang The external audit procedures and audit standards
berlaku adalah sebagai berikut: that apply are as follows:
• Penunjukan Auditor Publik mengacu kepada • Appointment of Public Auditor refers to
Peraturan Pemerintah No. 20 Tahun 2015 tentang Government Regulation No. 20 of 2015 concerning
Praktik Akuntan Publik. Berdasarkan PP tersebut, the Practice of Public Accountants. Based on the
Akuntan Publik dibatasi paling lama untuk 5 (lima) PP, Public Accountants are limited for a maximum
tahun buku berturut-turut, dimana Akuntan Publik of 5 (five) consecutive financial years, where Public
dapat memberikan kembali jasa audit setelah 2 Accountants can provide audit services again after
(dua) tahun buku berturut-turut tidak memberikan 2 (two) consecutive financial years of not providing
jasa audit pada Perseroan yang sama. audit services to the same Company.
PT Pegadaian | 2023 Annual Report 585
Page 586
Tata Kelola Perusahaan
Corporate Governance
• Audit atas laporan keuangan Perseroan dilakukan • The audit of the Company’s financial statements
sesuai dengan standar profesional Akuntan Publik is carried out in accordance with the professional
yang mencakup seluruh prosedur audit yang standards of a Public Accountant which includes
dipandang perlu sesuai dengan keadaan. all audit procedures deemed necessary according
• Audit meliputi pengujian dan evaluasi terhadap to the circumstances.
sistem pengendalian intern, serta pemeriksaan, • The audit includes testing and evaluation of the
atas dasar pengujian, bukti-bukti yang mendukung internal control system, as well as examining, on a
jumlah dan pengungkapan dalam laporan test basis, evidence supporting the amounts and
keuangan. Audit juga akan meliputi penilaian atas disclosures in the financial statements. The audit
prinsip akuntansi yang digunakan dan estimasi will also include an assessment of the accounting
signifikan yang dibuat oleh manajemen, serta principles used and significant estimates made
penilaian atas penyajian laporan keuangan secara by management, as well as an assessment of the
keseluruhan sesuai dengan Pernyataan Standar overall presentation of the financial statements
Akuntansi Keuangan (PSAK) yang dikeluarkan in accordance with the Statement of Financial
oleh IAI. Accounting Standards (PSAK) issued by IAI.
• Sebagai bagian dari proses audit, Kantor Akuntan • As part of the audit process, the Public Accounting
Publik (KAP) juga melakukan tanya jawab kepada Firm (KAP) also conducts questions and answers to
manajemen mengenai pernyataan manajemen management regarding management statements
yang disajikan dalam laporan keuangan. presented in the financial statements.
• Audit mengandung risiko inheren bahwa jika • Audit contains an inherent risk that if there are
terdapat kekeliruan dan ketidakberesan yang material errors and irregularities. If there is such
material. Jika terdapat hal tersebut, KAP akan thing, KAP will convey it to management.
menyampaikan kepada manajemen.
• Manajemen menyetujui kertas kerja pemeriksaan • Management approves the working papers of
KAP atas Perseroan untuk di-review oleh badan KAP’s examination of the Company to be reviewed
atau otoritas terkait. by the relevant body or authority
Audit dilaksanakan berdasarkan Standar Profesional The audit was carried out based on the Professional
Akuntan Publik yang diterbitkan oleh Institut Akuntan Standards for Public Accountants issued by the
Publik Indonesia (IAPI). Jika terdapat bantuan Indonesian Institute of Certified Public Accountants
keuangan Pemerintah RI, maka audit dilaksanakan (IAPI). If there is financial assistance from the
berdasarkan Standar Pemeriksaan Keuangan Negara Government of the Republic of Indonesia, then the
(SPKN) yang diterbitkan oleh Badan Pengawasan audit is carried out based on the State Financial Audit
Keuangan (BPK) RI. Standards (SPKN) issued by the Indonesian Financial
Supervisory Agency (BPK).
Peran Dewan Komisaris dan Komite Audit The Role of the Board of Commissioners and
dalam Mekanisme Penunjukan Akuntan Publik Audit Committee in the Public Accountant
Appointment Mechanism
Tahapan mekanisme penunjukan Akuntan Publik The stages of the mechanism for appointing a Public
adalah sebagai berikut: Accountant are as follows:
• Dewan Komisaris melalui Komite Audit • The Board of Commissioners through the Audit
melakukan proses penunjukan calon Auditor Committee conducts the process of appointing
eksternal dengan meminta bantuan Direksi external Auditor candidates by requesting
dalam proses penunjukannya sesuai dengan the assistance of the Board of Directors in the
ketentuan pengadaan barang/jasa yang berlaku appointment process in accordance with the
di Perseroan. provisions of the procurement of goods/services
that apply in the Company.
• Dewan Komisaris dapat melakukan penunjukan • The Board of Commissioners may re-appoint the
kembali auditor eksternal dengan berdasarkan external auditor based on the evaluation results
pada hasil evaluasi atas kinerja auditor eksternal of the external auditor’s performance to audit the
untuk melakukan audit atas laporan keuangan. financial statements.
• Dewan Komisaris menyampaikan alasan • The Board of Commissioners conveys the reasons
pencalonan tersebut kepada RUPS dan besarnya for the nomination to the GMS and the amount
honorarium/ imbalan jasa yang diusulkan untuk of honorarium/remuneration proposed for the
586 Laporan Tahunan 2023 | PT Pegadaian
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eksternal auditor tersebut. external auditor.
• Usulan kepada RUPS tersebut dapat disampaikan • The proposal to the GMS can be submitted through
melalui surat tersendiri yang merupakan bagian a separate letter which is part of the Board of
dari surat tanggapan Dewan Komisaris atas Commissioners’ response letter on the Company’s
kinerja tahunan Perseroan. annual performance.
• Dewan Komisaris mengevaluasi kinerja auditor • The Board of Commissioners evaluates the
eksternal melalui Komite Audit sesuai dengan performance of external auditors through the
ketentuan dan standar yang berlaku. Audit Committee in accordance with applicable
regulations and standards.
• Untuk proses penunjukan calon auditor eksternal • For the process of appointing a candidate
dan atau penunjukan kembali auditor eksternal for external auditor and/or re-appointing the
yang dilakukan oleh RUPS, Dewan Komisaris external auditor which is carried out by the GMS,
cukup memberikan kuasa kepada RUPS untuk it is sufficient for the Board of Commissioners to
menetapkan auditor tersebut authorize the GMS to appoint the auditor.
Mekanisme Penunjukan hingga Penetapan Akuntan Publik
Mechanism of Appointment Up to Appointment of Public Accountant
Penetapan Akuntan Publik oleh RUPS.
Appointment of a Public Accountant by the GMS.
Dewan Komisaris menyampaikan surat rekomendasi kepada RUPS.
The Board of Commissioners submits a letter of recommendation to the GMS.
Dewan Komisaris melakukan telah atas rekomendasi Komite Audit, melakukan pembahasan dengan organ
Dewan Komisaris dan calon auditor eksternal/Akuntan Publik.
The Board of Commissioners has carried out on the recommendation of the Audit Committee, conducted discussions
with the organs of the Board of Commissioners and prospective external auditors/Public Accountants.
Tindak lanjut Komite Audit:
1. Melakukan evaluasi atas pelaksanaan audit internal dan eksternal.
2. Menyampaikan laporan kepada Dewan Komisaris.
Audit Committee follow-up:
1. Evaluate the implementation of internal and external audits.
2. Submit a report to the Board of Commissioners.
Penyampaian arahan dan penugasan dari Dewan Komisaris kepada Komite Audit.
Submission of directions and assignments from the Board of Commissioners to the Audit Committee.
Akuntan Publik Tahun 2023 Public Accountant in 2023
Berdasarkan Risalah Umum RUPS No. Pursuant to General Minutes of GMS No.
725/00013.00/2023 tanggal 23 Juni 2023 menetapkan 725/00013.00/2023 dated June 23, 2023 stipulated
Kantor Akuntan Publik (KAP) Purwantono, Sungkoro, the Public Accounting Firm (KAP) Purwantono,
dan Surja (EY) sebagai Kantor Akuntan Publik (KAP) Sungkoro, and Surja (EY) as the Public Accounting
yang akan melakukan audit Laporan Keuangan Firm (KAP) that will audit the Company’s Consolidated
Konsolidasian Perseroan Tahun Buku 2023. Financial Statements for the 2023 Financial Year.
PT Pegadaian | 2023 Annual Report 587
Page 588
Tata Kelola Perusahaan
Corporate Governance
Akuntan Publik Tahun 2023
Public Accountant in 2023
Kantor Akuntan Publik
Purwantono, Sungkoro, dan Surja (EY)
Public Accounting Firm
Nomor Izin Usaha
STTD.KAP-03/PM.22/2018
Business Permit Number
Akuntan
Christophorus Alvin Kossim
Accountant
Nomor Izin Akuntan Publik
Registrasi: AP.1681
Public Accountant Permit Number
Tahun Audit
2023
Audit Year
Periode Penugasan
2023
Assignment Period
Jasa Audit Laporan Keuangan Tahun Buku 2023
Service Audit of Financial Statements for 2023 Financial Year
Jasa lainnya
-
Other services
Biaya
Rp6.250.000.000,00
Fee
Daftar Akuntan Publik List of Public Accountant
Guna kebutuhan transparansi, berikut disampaikan For the purposes of transparency, the following is a list
daftar Kantor Akuntan Publik, Akuntan dan biaya of Public Accounting Firms, Accountants and the fees
yang diberikan dalam mengaudit laporan keuangan paid for auditing the Company’s financial statements
Perseroan untuk periode 6 (enam) tahun terakhir. for the last 6 (six) year period.
Daftar Akuntan Publik 2018-2023
List of Public Accountants 2018-2023
Biaya Jasa
Tahun Audit (Rp
Buku Akuntan Kantor Akuntan Publik Ruang Lingkup Audit Opini Ribu)
Fiscal Accountant Public accounting firm Audit Scope Opinion Biaya Jasa
year Audit (Rp
Ribu)
Wajar Dalam
Audit Laporan Keuangan
Semua Hal Yang
Christophorus Purwantono, Sungkoro, Tahun Buku 2022
2023 Material 6.250.000
Alvin Kossim dan Surja (EY) Audit of Financial Reports
Reasonable in all
for Fiscal Year 2022
material respects
Wajar Dalam
Audit Laporan Keuangan
Semua Hal Yang
Christophorus Purwantono, Sungkoro, Tahun Buku 2022
2022 Material 5.850.000
Alvin Kossim dan Surja (EY) Audit of Financial Reports
Reasonable in all
for Fiscal Year 2022
material respects
588 Laporan Tahunan 2023 | PT Pegadaian
Page 589
Biaya Jasa
Tahun Audit (Rp
Buku Akuntan Kantor Akuntan Publik Ruang Lingkup Audit Opini Ribu)
Fiscal Accountant Public accounting firm Audit Scope Opinion Biaya Jasa
year Audit (Rp
Ribu)
Audit umum atas Laporan
Keuangan Konsolidasian
dan Laporan Keuangan
Program Kemitraan dan Wajar Dalam
Bina Lingkungan (PKBL) Semua Hal Yang
Lucy Luciana Tanudiredja, Wibisana,
2021 General audit of Material 6.000.000
Suhendra Rintis & Rekan (PwC)
Consolidated Financial Reasonable in all
Reports and Partnership material respects
and Community
Development Program
(PKBL) Financial Reports
Audit umum atas Laporan
Keuangan Konsolidasian
dan Laporan Keuangan
Program Kemitraan dan
Wajar Tanpa
Bina Lingkungan (PKBL)
Tanudiredja, Wibisana, Pengecualian
2020 Jusuf Wibisana General audit of 6.525.000
Rintis & Rekan (PwC) Reasonable
Consolidated Financial
Without Exceptions
Reports and Partnership
and Community
Development Program
(PKBL) Financial Reports
Audit umum atas Laporan
Keuangan Konsolidasian
dan Laporan Keuangan
Program Kemitraan dan
Wajar Tanpa
Bina Lingkungan (PKBL)
Tanudiredja, Wibisana, Pengecualian
2019 Jusuf Wibisana General audit of 7.135.000
Rintis & Rekan (PwC) Reasonable
Consolidated Financial
Without Exceptions
Reports and Partnership
and Community
Development Program
(PKBL) Financial Reports
Tanudiredja, Wibisana,
Rintis & Rekan (PwC)
Audit umum atas
Laporan Keuangan
Audit umum atas Laporan
Konsolidasian dan
Keuangan Konsolidasian
Laporan Keuangan
dan Laporan Keuangan
Program Kemitraan dan
Program Kemitraan dan Wajar dalam
Bina Lingkungan (PKBL)
Bina Lingkungan (PKBL) Semua Hal yang
G
2018 Jusuf Wibisana General audit of Material 5.460.000
Tanudiredja, Wibisana,
Consolidated Financial Reasonable in All
Rintis & Partners
Reports and Partnership Material Matters
(PwC) General audit of
and Community
Consolidated Financial
Development Program
Reports and Partnership
(PKBL) Financial Reports
and Community
Development Program
(PKBL) Financial Reports
G
PT Pegadaian | 2023 Annual Report 589
Page 590
Tata Kelola Perusahaan
Corporate Governance
Monitoring Tindak Lanjut Rekomendasi Audit Monitoring Follow-up to External Audit
Eksternal Recommendations
Perseroan senantiasa menindaklanjuti setiap temuan The Company always follows up on every finding
dan rekomendasi hasil audit eksternal dalam rangka and recommendation from external audits in order to
penyempurnaan pengelolaan Perseroan. Jumlah improve the Company’s management. The number of
temuan audit eksternal yang telah ditindaklanjuti oleh external audit findings that have been followed up by
Perseroan selama tahun 2023 adalah sebagai berikut: the Company during 2023 are as follows:
Selesai Ditindaklanjuti Belum selesai
Hasil Audit Jumlah Temuan Completed Follow-up Not finished yet
No
Audit Result Total Findings Jumlah Jumlah
% %
Total Total
1 BPK RI (2019) 6 6 100% 0 0%
2 OJK (2021) 4 4 100% 0 0%
3 OJK (2022) 35 35 100% 0 0%
4 BRI (2022) 40 40 100% 0 0%
5 KAP EY (2022) 46 46 100% 0 0%
6 Bank Indonesia (2022) 10 10 100% 0 0%
7 BPK RI (2023) 33 20 60,60% 13 39,40%
8 OJK (2023) 78 34 43,59% 44 56,41%
Efektivitas Pelaksanaan Audit Eksternal Effectiveness of External Audit Implementation
Pelaksanaan Audit Eksternal di lingkup Perusahaan Implementation of External Audit within the scope
memastikan pelaksanaan pengelolaan bisnis dilakukan of Pegadaian ensures that the implementation of
dengan cara efektif, dimana Auditor Eksternal dalam business management is carried out in an effective
melakukan Audit melakukan pemeriksaan di Kantor manner, where the External Auditor in carrying out
Pusat, Kantor Wilayah, Kantor Cabang, dan UPC serta the Audit conducts inspections at the Head Office,
Anak Perusahaan. Hal ini dilakukan dalam mendukung Regional Offices, Branch Offices, UPC and subsidiaries.
pencapaian tujuan Perseroan secara efektif dan This is done in support of achieving the Company’s
efisien, pelaporan keuangan Perseroan yang handal goals effectively and efficiently, reliable Company
serta pelaksanaan kegiatan Perseroan yang patuh financial reporting and implementation of Company
terhadap peraturan yang berlaku dan berjalannya activities that comply with applicable regulations
Sistem Pengendalian Internal PT Pegadaian dan Anak and the operation of PT Pegadaian’s Internal Control
Perusahaan. System and its subsidiaries.
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Manajemen Risiko Risk Management Perseroan menyadari bahwa penerapan Manajemen The Company realizes that the application of Risk Risiko secara sistematis, konsisten dan terintegrasi Management in a systematic, consistent and integrated merupakan bagian dari strategi dalam mencapai manner is part of the strategy in achieving targets and sasaran dan menciptakan nilai tambah. Dengan creating added value. With the implementation of penerapan Manajemen Risiko yang baik akan dapat good risk management, it will be able to reduce the mengurangi risiko kerugian, mendorong pertumbuhan risk of loss, encourage sustainable growth and realize yang berkelanjutan (sustainability growth) dan good corporate governance. mewujudkan Governansi Perusahaan. Pengelolaan Manajemen Risiko berdasarkan prinsip, Management of Risk Management based on the kerangka dan proses Manajemen Risiko sesuai dengan principles, framework and process of Risk Management karakteristik bisnis dan kebutuhan Pegadaian. Melalui in accordance with the business characteristics and pengelolaan risiko yang menyeluruh pada semua needs of Pegadaian. Through comprehensive risk Pemilik Risiko (Risk Owner) diharapkan sasaran management for all Risk Owners, it is hoped that atau tujuan Pegadaian dapat tercapai dengan baik. the Pegadaian’s goals or objectives can be achieved Penerapan manajemen risiko menjadi tanggung jawab properly. The implementation of risk management bersama seluruh manajemen dan karyawan, sehingga is the joint responsibility of all management and menjadi bagian yang tidak terpisahkan dalam rangka employees, so that it becomes an integral part in membangun budaya sadar risiko (Risk Awareness) di building a risk awareness culture (Risk Awareness) at Pegadaian. Pegadaian. Sistem Manajemen Risiko Company Risk Management System Penerapan sistem manajemen risiko Perseroan The implementation of the Company’s risk menggunakan pendekatan three line models, dimana management system uses a three-line model approach, pengelolaan risiko dilakukan oleh seluruh Unit Kerja in which all work units carry out risk management and dan dilakukan pengawasan oleh Dewan Komisaris dan are supervised by the Board of Commissioners and Direksi. the Board of Directors. PT Pegadaian | 2023 Annual Report 591
Page 592
Tata Kelola Perusahaan
Corporate Governance
Pendekatan Penerapan Sistem Manajemen Risiko Pegadaian
Approach to the Pegadaian Risk Management System Implementation
Struktur Organisasi/ Organization Structure
Dewan Komisaris/ The Board of Commissioners
2 Direksi/ The Board of Directors
3 Satuan Kerja Manajemen Risiko/ Risk Management Work Unit Dewan Komisaris
Komite Pemantau Risiko (Dekom)
The Board of
4 Satuan Kerja Operasional/ Operational Work Unit Risk Monitoring Committee (BOC)
Commissioners
5 Satuan Pengawasan Intern/ Internal Audit Unit
Komite-Komite/ Committees
6 Komite Pemantau Risiko (Dewan Komisaris) Direksi
The Board of Directors Pengawasan
Risk Monitoring Committee (BOC) Aktif
7 Risk Management Committee (Direksi) Active Monitoring
Risk Management Committee (BOD) Risk Management Committee
(Direksi)
Risk Management Committee (BOD)
Risiko Kredit
Kantor Wilayah Satuan Pengawasan
Asuransi
Regional Office Intern
Insurance Credit Risk
Internal Audit Unit
Kantor Area Manajemen Risiko
Area Office Operasi dan Korporasi
Operational and Inspektorat
Corporate Risk Pengembangan
Management
Development Inspectorate Proses
Manajemen
Kantor Cabang/Syariah Cabang Bisnis Mikro Kepatuhan Risiko
Branch/Sharia Office Micro Business Branch Compliance Risk Management
Inspektorat Pusat
Process
Central Inspectorate
Unit Pelayanan
Cabang/Syariah Unit Bisnis Mikro
Branch/Sharia Micro Business Unit Inspektorat Wilayah
Service Unit Regional Inspectorate
First Line Second Line Third Line
• First Line • First Line
Terdiri dari Satuan Kerja Operasional yang Consists of Operational Work Units which are
merupakan seluruh unit kerja selain unit kerja all work units other than work units in charge of
yang membidangi Manajemen Risiko dan Satuan Risk Management and Internal Control Unit (SPI).
Pengawasan Intern (SPI). First line berfungsi The first line functions to carry out all operational
menjalankan seluruh aktivitas operasional dan activities and manage the risks inherent in each
mengelola risiko yang melekat pada setiap of the Company’s business operational activities.
aktivitas operasional bisnis Perusahaan. First The first line consists of Regional Office Work
line terdiri dari Unit Kerja kantor Wilayah, Area, Units, Areas, Conventional & Sharia Branches,
Cabang Konvensional & Syariah, UPC Konvensional Conventional & Sharia UPC, Micro Business
& Syariah, Cabang Bisnis Mikro, serta Unit Bisnis Branches, and Micro Business Units. All Work Units
Mikro. Seluruh Unit Kerja yang berada dalam first that are in the first line carry out a Risk & Control
line melakukan Risk & Control Self Assessment Self Assessment (RCSA) every month through
(RCSA) setiap bulannya melalui aplikasi Pegadaian the Pegadaian Risk Management & Application
Risk Management & Application (PRISMA) sesuai (PRISMA) application in accordance with the
dengan kondisi dan potensi risiko masing-masing conditions and potential risks of each work unit.
unit kerja.
• Second Line • Second Line
Terdiri dari Satuan Kerja Manajemen Risiko Consists of a Risk Management Work Unit which
yang merupakan Unit Kerja yang membidangi is a Work Unit in charge of Risk Management
Manajemen Risiko yang terdiri dari Divisi consisting of the Operational & Corporate Risk
Manajemen Risiko Operasi & Korporasi, Divisi Management Division, the Credit & Insurance Risk
Risiko Kredit & Asuransi, dan Divisi Kepatuhan. Division, and the Compliance Division. The second
Second line berperan dan bertanggung jawab line plays a role and is responsible for providing
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menyediakan kebijakan dan prosedur pengelolaan risk management policies and procedures, as well
risiko, serta memastikan seluruh risiko korporat as ensuring that all corporate risks
telah dikelola sesuai dengan tingkat risiko yang
dapat diterima.
• Third Line • Third Line
Terdiri dari Unit Satuan Pengawasan Intern yang Consisting of the Internal Audit Unit which uses
menggunakan aktivitas audit yang terfokus pada risk-focused audit activities to review the reliability
risiko untuk melakukan kaji ulang atas keandalan of the Risk Management framework (first line
kerangka Manajemen Risiko (fungsi first line & & second line function) above and if necessary
second line) di atas dan bila diperlukan memberikan provide recommendations for improvement.
rekomendasi perbaikan.
Kebijakan dan Prosedur Pengelolaan Risiko Risk Management Policies and Procedures
Pedoman penerapan manajemen risiko di Perseroan Guidelines for implementing risk management in the
mengacu pada Peraturan Menteri Negara Badan Company refer to the Regulation of the Minister of State
Usaha Milik Negara No. PER-01/MBU/2011 tanggal 1 for State-Owned Enterprises No. PER-01/MBU/2011
Agustus 2011 jo. No. PER-09/MBU/2012 tanggal 6 Juli dated 1 August 2011 jo. No. PER-09/MBU/2012
2012 tentang Penerapan Tata Kelola Perusahaan yang dated 6 July 2012 concerning Implementation
Baik (Good Corporate Governance) pada Badan Usaha of Good Corporate Governance in State-Owned
Milik Negara serta Peraturan Menteri BUMN No. PER-5/ Enterprises and Minister of BUMN Regulation No
MBU/09/2022 tentang Penerapan Manajemen Risiko PER-5/MBU/09/2022 concerning Application of Risk
pada Badan Usaha Milik Negara. Kebijakan manajemen Management in Owned Enterprises Country. The risk
risiko telah ditetapkan melalui Peraturan Direksi No. management policy has been established through
68 Tahun 2021 tentang Kebijakan Manajemen Risiko Directors Regulation Number 68 of 2021 concerning
Pegadaian yang disahkan pada tanggal 25 Juni 2021. Pawnshop Risk Management Policies which was
ratified on June 25, 2021.
Penetapan Sistem Manajemen Risiko Determination of Pegadaian’s Risk
Pegadaian Management System
Pedoman penerapan manajemen risiko di Perseroan Guidelines for implementing risk management in the
mengacu pada Peraturan Menteri Negara Badan Company refer to the Regulation of the Minister of State
Usaha Milik Negara No. PER-01/MBU/2011 tanggal for State-Owned Enterprises No. PER-01/MBU/2011
1 Agustus 2011 jo. No. PER-09/MBU/2012 tanggal 6 dated 1 August 2011 jo. No. PER-09/MBU/2012 dated
Juli 2012 tentang Penerapan Tata Kelola Perusahaan 6 July 2012 concerning Implementation of Good
yang Baik (Good Corporate Governance) pada Badan Corporate Governance in State-Owned Enterprises and
Usaha Milik Negara serta Peraturan Menteri BUMN No. Minister of BUMN Regulation No PER-5/MBU/09/2022
PER-5/MBU/09/2022 tentang Penerapan Manajemen concerning Application of Risk Management in Owned
Risiko Pada Badan Usaha Milik Negara. Pedoman Enterprises Country. Guidelines for implementing risk
penerapan manajemen risiko telah ditetapkan melalui management have been established through Directors
Peraturan Direksi No. 68 Tahun 2021 tentang Kebijakan Regulation Number 68 of 2021 concerning Pawnshop
Manajemen Risiko Pegadaian (KMRP). Risk Management Policies (KMRP).
Pengawasan Aktif Dewan Komisaris dan Active Supervision of the Board of
Direksi Commissioners and Board of Directors
Dalam melaksanakan fungsi manajemen risiko, Dewan In carrying out the risk management function, the
Komisaris dan Direksi memiliki tugas dan tanggung Board of Commissioners and the Board of Directors
jawab yang jelas, di antaranya: have clear duties and responsibilities, including:
1. Dewan Komisaris melakukan pengawasan secara 1. Board of Commissioners carry out general
umum atau khusus terhadap penetapan dan or special supervision of the establishment
penerapan kebijakan, strategi, dan prosedur and implementation of the Company’s Risk
Manajemen Risiko Perseroan. Management policies, strategies and procedures.
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Tata Kelola Perusahaan
Corporate Governance
2. Direksi menyetujui kebijakan, strategi, dan prosedur 2. Board of Directors approve the Company’s Risk
Manajemen Risiko Perseroan dan menyampaikan Management policies, strategies and procedures
laporan penerapan manajemen risiko kepada and submit reports on the implementation of
Dewan Komisaris secara berkala untuk risk management to the Board of Commissioners
mendapatkan masukan dari/atau rekomendasi periodically to obtain input from/or
penyempurnaan. recommendations for improvements.
Dalam Pengawasan aktif Dewan Komisaris dan Direksi Under the active supervision of the Board of
dalam menjalankan tugas dan tanggung jawab Commissioners and the Board of Directors in
pengelolaan risiko dibantu oleh komite-komite, yaitu: carrying out their duties and responsibilities in risk
management, assisted by committees, namely:
1. Komite Pemantau Risiko (Dewan Komisaris) Tugas 1. Risk Monitoring Committee (Board of Commissioners)
dan tanggung jawab Komite Pemantau Risiko Duties and responsibilities of the Risk Monitoring
(Dewan Komisaris): Committee (Board of Commissioners):
a. Melakukan kajian sebagai masukan kepada a. Conduct a review as input to the Board of
Dewan Komisaris atas Laporan Profil Risiko Commissioners on the Company’s Risk Profile
Perseroan yang disampaikan kepada Direksi; Report submitted to the Board of Directors;
b. Memberikan masukan kepada Dewan b. Provide input to the Board of Commissioners
Komisaris sehubungan dengan kebijakan dan/ regarding policies and/or business decisions
atau keputusan bisnis yang menyimpang dari that deviate from normal procedures, such
prosedur normal, seperti pelampauan ekspansi as significant excess business expansion
usaha yang signifikan dibandingkan dengan compared to the Company’s predetermined
rencana bisnis Perseroan yang telah ditetapkan business plan or taking a position/risk exposure
sebelumnya atau pengambilan posisi/eksposur that exceeds a predetermined limit;
risiko yang melampaui limit yang telah
ditetapkan;
c. Mengidentifikasi hal-hal yang memerlukan c. Identify matters that require the attention of
perhatian Dewan Komisaris; the Board of Commissioners;
d. Melaksanakan tugas lain yang diberikan oleh d. Carry out other tasks assigned by the Board of
Dewan Komisaris sepanjang masih dalam Commissioners as long as they are within the
lingkup tugas dan kewajiban Dewan Komisaris scope of duties and obligations of the Board of
berdasarkan ketentuan peraturan perundang Commissioners based on the provisions of laws
undangan. and regulations.
2. Risk Management Committee (Direksi) 2. Risk Management Committee (Board of Directors)
a. Menetapkan kerangka kerja dan metodologi a. Establish a risk management framework and
manajemen risiko untuk melakukan identifikasi, methodology to identify, measure, and mitigate
pengukuran, dan mitigasi risiko dan risks and contingency plans;
contingency plan;
b. Memantau Profil Risiko dan pengelolaan b. Monitor the Risk Profile and manage all risks in
seluruh risiko dalam rangka menetapkan risk order to determine risk appetite, risk tolerance
appetite, risk tolerance, dan risk limit serta and risk limits as well as an integrated risk
strategi pengelolaan risiko yang terintegrasi; management strategy;
c. Melakukan penyempurnaan penerapan c. Improve the implementation of risk
manajemen risiko secara berkala maupun management periodically or incidentally as a
insidental sebagai tindak lanjut adanya follow-up to changes in internal and external
perubahan kondisi internal dan eksternal yang conditions that affect the Company’s risk
mempengaruhi profil risiko Perseroan; profile;
d. Membahas dan menetapkan hal-hal strategis d. Discuss and determine strategic matters within
dalam lingkup manajemen risiko termasuk the scope of risk management including risk
manajemen risiko di perusahaan anak; management in subsidiaries;
e. Menetapkan hal-hal yang terkait dengan e. Determine matters related to business decisions
keputusan bisnis yang memiliki kondisi khusus that have special conditions (irregularities);
(irregularities);
f. Mendelegasikan kewenangan kepada pejabat f. Delegating authority to appointed officials to
yang ditunjuk untuk melaksanakan hal-hal yang carry out operational matters.
bersifat operasional.
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Kecukupan Kebijakan, Prosedur, dan Adequacy of Risk Management Policies,
Penetapan Limit Manajemen Risiko Procedures and Limits
Perseroan telah memiliki kebijakan dan pedoman The Company already has risk management policies
manajemen risiko yang dalam implementasinya and guidelines which in its implementation are
disesuaikan dengan visi, misi, dan Rencana Kerja adjusted to the Company’s vision, mission and Annual
Anggaran Tahunan Perseroan. Kebijakan dan pedoman Work and Budget Plan. Risk management policies and
manajemen risiko dilakukan pengkinian secara berkala guidelines are regularly updated in accordance with
yang disesuaikan dengan perkembangan Perseroan the Company’s developments and business dynamics
dan dinamika bisnis yang terjadi baik internal maupun that occur both internally and externally.
eksternal.
Kebijakan dan pedoman dalam pengelolaan risiko Policies and guidelines in risk management include:
mencakup:
1. Penetapan delapan jenis risiko yang dikelola 1. Determination of the eight types of risks managed
Perseroan diatur dalam Peraturan Direksi by the Company is regulated in Directors Regulation
No. 96 Tahun 2022 tentang Pedoman Risk Appetite No. 96 of 2022 concerning Guidelines for Risk
Statement (RAS) dan Profil Risiko; Appetite Statement (RAS) and Risk Profiles;
2. Penetapan penggunaan metode pengukuran dan 2. Determination of the use of measurement methods
sistem informasi manajemen risiko, tingkat risiko and risk management information systems, the
yang akan diambil, toleransi dan limit risiko, serta level of risk to be taken, risk tolerance and limits,
peringkat risiko diatur dalam Peraturan Direksi No. as well as risk ratings are regulated in Directors
96 Tahun 2022 tentang Pedoman Risk Appetite Regulation No. 96 of 2022 concerning Guidelines
Statement (RAS) dan Profil Risiko dan Peraturan for Risk Appetite Statement (RAS) and Risk Profiles
Direksi 122 Tahun 2021 tentang Pedoman Profil and Directors Regulation 122 of 2021 concerning
Risiko Kantor Wilayah; Guidelines for Regional Office Risk Profiles;
3. Penggunaan perangkat dalam melakukan proses 3. The use of devices in carrying out the process of
identifikasi, mengukur dan menganalisis risiko identifying, measuring and analyzing risks carried
yang dilakukan oleh Unit Kerja (First Line) yang out by the Work Unit (First Line) is regulated in
diatur dalam Peraturan Direksi No. 36 Tahun Board of Directors’ Regulation No. 36 of 2022
2022 tentang Pedoman Risk and Control Self concerning Guidelines for Risk and Control Self
Assessment, Peraturan Direksi No. 89 Tahun 2022 Assessment, Board of Directors’ Regulation No.
tentang Pedoman Key Risk Indicators (KRI) dan 89 of 2022 concerning Guidelines for Key Risk
Peraturan Direksi No. 90 Tahun 2022 tentang Indicators (KRI) and Board of Directors’ Regulation
Pedoman Loss Event Management (LEM); No. 90 of 2022 concerning Guidelines for Loss
4. Penyusunan rencana darurat dalam kondisi Event Management (LEM);
terburuk diatur dalam Peraturan Direksi No. 97 4. Preparation of emergency plans in the worst
tahun 2021 tentang Kebijakan Business Continuity conditions is regulated in Board of Directors’
Management System (BCMS), Peraturan Direksi Regulation No. 97 of 2021 concerning Business
No. 97 Tahun 2021 tentang Pedoman Business Continuity Management System (BCMS) Policy,
Continuity Management System (BCMS), dan Board of Directors’ Regulation No. 97 of 2021
Keputusan Direksi No. 862 Tahun 2019 tentang concerning Business Continuity Management
Penetapan Lokasi Alternatif Kantor Pusat; System (BCMS) Guidelines, and Board of Directors’
Decree No. 862 of 2019 concerning Determination
of Alternative Locations for Head Office;
5. Penetapan Sistem Pengendalian Internal dalam 5. Determination of the Internal Control System in
penerapan Manajemen Risiko diatur dalam the application of Risk Management is regulated in
Peraturan Direksi No. 68 Tahun 2021 tentang the Board of Directors’ Regulation No. 68 of 2021
Kebijakan Manajemen Risiko Pegadaian (KMRP); concerning Pegadaian’s Risk Management Policy
(KMRP).
6. Penetapan manajemen risiko yang terkait dengan 6. 6. Determination of risk management related to
teknologi informasi yang diatur dalam Peraturan information technology as regulated in Board of
Direksi No. 112 Tahun 2021 tentang Pedoman Directors’ Regulation No. 112 of 2021 concerning
Manajemen Risiko Teknologi Informasi; Guidelines for Information Technology Risk
Management;
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Tata Kelola Perusahaan
Corporate Governance
7. Penetapan Peraturan Direksi No. 133 Tahun 2021 7. Stipulation of Board of Directors’ Regulation No.
tentang Struktur Organisasi dan Tata Kerja Divisi 133 of 2021 concerning Organizational Structure
Manajemen Risiko Operasi dan Korporasi; and Work Procedures of the Operational and
Corporate Risk Management Division;
8. Perseroan mendampingi Perusahaan Anak dalam 8. The Company assists Subsidiaries in formulating
menyusun kebijakan Manajemen Risiko masing- Risk Management policies for each subsidiary,
masing Perusahaan anak antara lain: Peraturan including: Directors Regulation No. 04/Perdir-
Direksi No. 04/Perdir-PIJ/X/2020 tentang PIJ/X/2020 concerning PT Pesonna Indonesia
Kebijakan Manajemen Risiko PT Pesonna Indonesia Jaya’s Risk Management Policy; Board of Directors’
Jaya; Peraturan Direksi No. 35 tahun 2020 tentang Regulation No. 35 of 2020 concerning the Risk
Kebijakan Manajemen Risiko PT Pegadaian Galeri Management Policy of PT Pegadaian Galeri Dua
Dua Empat. Empat.
Kecukupan Proses Identifikasi, Pengukuran, Adequacy of Risk Identification, Measurement,
Pemantauan dan Pengendalian Risiko serta Monitoring and Control Processes and Risk
Sistem Informasi Manajemen Risiko Management Information Systems
Pengelolaan risiko dimulai dari proses identifikasi, Risk management starts from the process of identifying,
mengukur, memantau serta mengendalikan risiko measuring, monitoring and controlling risks so as not
agar tidak berdampak besar terhadap sasaran/ to have a major impact on the Company’s strategic
tujuan strategis Perseroan. Penerapan manajemen goals/objectives. The implementation of good risk
risiko yang baik dapat melindungi Perseroan dari management can protect the Company from the threat
ancaman kegagalan dalam melaksanakan kegiatan of failure in carrying out operational and business
operasional dan bisnis serta memberikan nilai tambah activities and provide added value (value added) that
(value added) yang dapat digunakan dalam setiap can be used in every decision making.
pengambilan keputusan.
Dalam menjalankan penerapan Manajemen Risiko, In carrying out the implementation of Risk Management,
Perseroan memiliki kerangka kerja yang bertujuan the Company has a framework that aims to assist the
untuk membantu Perseroan dalam mengintegrasikan Company in integrating the Risk Management function
fungsi Manajemen Risiko ke seluruh aktivitas bisnis into all of the Company’s business activities and work
dan unit kerja Perseroan. Unit Kerja Kantor Pusat, units. Head Office Work Units, Regional Offices, Areas,
Kantor Wilayah, Area, Cabang Konvensional & Syariah, Conventional & Sharia Branches, Conventional & Sharia
UPC Konvensional & Syariah, Cabang Bisnis Mikro, UPC, Micro Business Branches, and Micro Business
serta Unit Bisnis Mikro melakukan Risk & Control Self Units conduct Risk & Control Self Assessment (RCSA)
Assessment (RCSA) setiap bulannya melalui aplikasi every month through the Pegadaian Risk Management
Pegadaian Risk Management & Application (PRISMA) & Application (PRISMA) application according to with
sesuai dengan kondisi dan potensi risiko masing- the conditions and potential risks of each work unit.
masing unit kerja.
Hasil RCSA yang telah dilakukan oleh seluruh Unit RCSA results that have been carried out by all
Kerja Operasional dan Divisi Kantor Pusat akan diolah Operational Work Units and Head Office Divisions
menjadi Key Risk Issue yang akan ditindaklanjuti will be processed into Key Risk Issues which will be
dengan menyusun langkah-langkah mitigasi yang followed up by compiling mitigation measures that
telah didiskusikan dengan Divisi terkait. Selain Key Risk have been discussed with the relevant Divisions.
Issue, Divisi Manajemen Risiko Operasi & Korporasi In addition to Key Risk Issues, the Operational &
juga mengelola dan mengukur tingkat risiko korporat Corporate Risk Management Division also manages
yang kemudian dikemas dalam Laporan Profil Risiko and measures the level of corporate risk which is then
Perusahaan baik secara bulanan dan Triwulan yang packaged in a Company Risk Profile Report both
kemudian disampaikan pada Direksi melalui Rapat Risk monthly and quarterly which is then submitted to
Management Committee (RMC) dan pada Komisaris the Board of Directors through a Risk Management
melalui Rapat Komite Pemantau Risiko (KPR). Committee (RMC) Meeting and to the Commissioners
through a Committee Meeting. Risk Monitoring (KPR).
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Laporan mengenai perkembangan risiko yang Reports on risk developments submitted to the Board
disampaikan kepada Direksi meliputi: of Directors include:
1. Laporan Profil Risiko Perusahaan; 1. Company Risk Profile Report;
2. Laporan Profil Risiko Kantor Wilayah; 2. Regional Office Risk Profile Report;
3. Laporan Profil Risiko Produk; 3. Product Risk Profile Report;
4. Laporan Penerapan Anti Pencucian Uang dan 4. Report on the Implementation of Anti-Money
Pencegahan Pendanaan Terorisme (APU PPT). Laundering and Combating the Financing of
Terrorism (AML CFT).
Sebagai bentuk monitoring terhadap Laporan Profil As a form of monitoring the Regional Office’s Risk
Risiko Kanwil dan hasil RCSA unit kerja operasional, Profile Report and operational work unit RCSA results,
Divisi Manajemen Risiko Operasi & Korporasi secara the Operational & Corporate Risk Management Division
konsisten menyelenggarakan Regional Risk Forum consistently organizes the Regional Risk Forum (RFF)
(RFF) yang dilakukan setiap bulan. Forum tersebut which is held every month. The forum was attended by
diikuti oleh seluruh fungsi First Line dengan tujuan all First Line functions with the aim of evaluating and
untuk melakukan evaluasi dan pengendalian atas controlling the risks faced by Operational Work Units.
risiko-risiko yang dihadapi oleh Unit Kerja Operasional.
Struktur Pengelola Risiko Risk Management Structure
Struktur Pengelola Risiko di setiap unit kerja sesuai The Risk Management Structure in each work unit is
dengan Peraturan Direksi No. 192 Tahun 2019 tentang in accordance with Board of Directors’ Regulation No.
Pedoman Risk and Control Self Assessment (RCSA) 192 of 2019 concerning Guidelines for Risk and Control
terdiri dari: Self Assessment (RCSA) consisting of:
1. Pemilik Risiko (Risk Owner) 1. Risk Owner
Setiap pemimpin unit kerja yang mempunyai Each work unit leader has the responsibility and
tanggung jawab dan wewenang untuk mengelola authority to manage risk and risk treatment.
risiko serta perlakuan risiko.
2. Pelaksana Risiko (Risk Officer) 2. Risk Officer
Karyawan unit kerja yang bertugas untuk Work unit employees whose job is to coordinate
berkoordinasi dengan risk owner dalam with risk owners in carrying out the risk assessment
menjalankan fungsi penilaian risiko (risk function in accordance with applicable regulations.
assessment) sesuai ketentuan yang berlaku.
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Tata Kelola Perusahaan
Corporate Governance
Adapun tugas dari masing-masing pengelola risiko The duties of each risk manager are as shown in the
adalah seperti dalam tabel berikut: following table:
Nama Tugas
No
Name Duties
1. Melakukan RCSA secara berkala di Unit Kerjanya 1. Carrying out RCSA periodically in their Work
sesuai ketentuan yang telah ditetapkan. Units according to predetermined conditions.
2. Memastikan kecukupan efektivitas dan eksisting 2. Ensuring the adequacy of effectiveness and
control di Unit Kerjanya yang menjadi dasar existing control in the Work Unit which is
penentuan Perlakuan Risiko yang ditetapkan. the basis for determining the stipulated Risk
Treatment.
3. Melakukan rekonsiliasi atas segala perbedaan 3. Reconcile all differences or problems that
atau permasalahan yang muncul dalam proses arise in the Risk Assessment process.
Penilaian Risiko.
4. Melakukan verifikasi dan persetujuan 4. Perform verification and approval of
Pemilik Risiko
1 pengklasifikasian serta penilaian atas Risiko classification and assessment of inherent/
Risk Owner
bawaan/melekat dan risiko residual di Unit inherent risk and residual risk in the work
Kerjanya. unit.
5. Melakukan verifikasi dan persetujuan 5. Conduct verification and approval of the
pengklasifikasian serta penilaian atas tingkat classification and assessment of the level of
kecukupan efektivitas dari Eksisting Kontrol di adequacy of the effectiveness of Existing
Unit Kerjanya. Controls in their Work Units.
6. Melakukan verifikasi dan persetujuan hasil 6. Verify and approve RCSA assessment
penilaian RCSA di Unit Kerjanya, Selanjutnya results in their work units, then report
melaporkannya kepada Divisi Manajemen Risiko them to the Operational & Corporate Risk
Operasi & Korporasi. Management Division.
1. Melakukan identifikasi dan penilaian risiko secara 1. Conduct qualitative and predictive (forward
kualitatif dan prediktif (forward looking) dengan looking) identification and risk assessment
perangkat RCSA. using the RCSA tool.
2. Melaporkan hasil Penilaian Risiko atas bagian 2. Report the results of the Risk Assessment
yang menjadi tanggung jawabnya kepada on the part that is their responsibility to the
Risk Owner untuk digabungkan dengan hasil Risk Owner to be combined with the results
Penilaian Risiko Unit Kerja lainnya. of the Risk Assessment of other Work Units.
Pelaksana
3. Melaksanakan rencana tindak lanjut berdasarkan 3. Carry out follow-up plans based on the
2 Risiko
hasil pemetaan risiko sehingga pengendalian results of risk mapping so that risk control
Risk Officer
risiko dapat dilakukan secara efektif, efisien dan can be carried out effectively, efficiently
tepat waktu sesuai dengan yang direncanakan. and on time as planned.
4. Memantau dan menganalisis kejadian risiko yang 4. Monitor and analyze risk events which
mungkin dapat menambah daftar isu Risiko baru may add to the list of new Risk issues and/
dan/atau menyesuaikan hasil RCSA sebagai or adjust RCSA results as input for the
masukan bagi Divisi Manajemen Risiko Operasi & Operational & Corporate Risk Management
Korporasi. Division.
Keterangan/Notes:
Risk Appetite
Perseroan mendefinisikan risk appetite sebagai tingkat dan jenis risiko yang bersedia diambil oleh Perseroan dalam rangka mencapai sasaran bisnis.
Risk appetite yang ditetapkan oleh Perseroan diputuskan melalui Rapat Direksi dan disetujui oleh Dewan Komisaris.
The Company defines risk appetite as the level and type of risk that the Company is willing to take in order to achieve business targets. The risk
appetite set by the Company is decided through a Board of Directors Meeting and approved by the Board of Commissioners.
Risk Tolerance
Perseroan mendefinisikan risk tolerance sebagai kesiapan Perseroan menanggung dampak negatif setelah perlakuan risiko untuk mencapai sasaran
Perseroan. Risk tolerance yang ditetapkan oleh Perseroan diputuskan melalui Rapat Direksi dan disetujui oleh Dewan Komisaris.
The Company defines risk tolerance as the Company’s readiness to bear negative impacts after risk treatment to achieve the Company’s goals. The
risk tolerance set by the Company is decided through a Board of Directors meeting and approved by the Board of Commissioners.
Stress Test
Perseroan secara berkala dan berkelanjutan melakukan stress test dengan berbagai skenario serta melakukan pendalaman terhadap faktor-faktor
dan parameter dalam stress testing. Skenario dalam pelaksanaan stress test pada umumnya mempertimbangkan beberapa variabel makro ekonomi,
seperti BI rate, tingkat inflasi, nilai tukar, dan harga emas. Metode yang digunakan dalam melakukan stress test selain menggunakan model statistik
yang berdasarkan data historis, juga memungkinkan manajemen untuk memberikan penilaian terbaiknya sebagai bagian dari metodologi stress test.
Stress test dilakukan untuk memperkirakan dampak perubahan faktor makro ekonomi terhadap tingkat NPL, profit, dan permodalan. Secara umum
hasil stress test yang telah dilakukan oleh Perseroan untuk risiko pasar, kredit, dan permodalan adalah cukup baik dan memberikan indikasi posisi NPL
dan permodalan Perseroan masih cukup memadai untuk mengantisipasi estimasi potensi kerugian.
The Company regularly and continuously conducts stress tests with various scenarios and deepens the factors and parameters in stress testing. Scenarios
in the implementation of stress tests generally consider several macroeconomic variables, such as the BI rate, inflation rate, exchange rate and gold
price. The method used in conducting the stress test apart from using a statistical model based on historical data, also allows management to provide
the best assessment as part of the stress test methodology. Stress tests are conducted to estimate the impact of changes in macroeconomic factors on
the level of NPL, profit and capital. In general, the results of the stress tests that have been carried out by the Company for market, credit and capital
risks are quite good and provide an indication of the Company’s NPL position and capital which is still sufficient to anticipate estimated potential losses.
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Profil Risiko dan Upaya Mitigasi Risiko Risk Profile and Risk Mitigation Efforts
Profil Risiko Risk Profile
Realisasi Tahun 2023
2023 Realization
Jenis Risiko
Jan'23 Feb'23 Mar'23 Apr'23 Mei'23 Jun'23 Jul'23 Ags'23 Sep'23 Okt'23 Nov'23 Des'23
Risk Type
1. Risiko Kredit
1.30 1.31 1.29 1.37 1.45 1.62 1.70 1.84 2.51 1.96 1.98 1.901
Credit Risk
2. Risiko
Opverasional
1.80 1.60 1.67 1.75 1.72 1.57 1.52 1.56 1.51 1.58 1.56 1.49
Operational
Risk
3. Risiko
Strategis
1.94 1.79 1.63 1.85 1.63 1.38 1.22 1.16 1.14 1.14 1.14 1.14
Strategic
Risk
4. Risiko Pasar
1.00 1.00 1.80 1.80 2.60 2.44 2.20 3.08 3.08 2.60 2.60 2.60
Market Risk
5. Risiko
Likuiditas
1.15 1.45 1.75 1.55 2.05 1.95 1.60 1.95 1.75 1.50 1.30 1.30
Liquidity
Risk
6. Risiko
Kepatuhan
1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.30 1.30
7. Compliance
Risk
8. Risiko
Hukum 1.75 1.30 1.45 1.30 1.00 1.00 1.00 1.00 1.00 1.30 1.00 1.00
Legal Risk
9. Risiko
Reputasi
2.50 2.07 1.67 1.28 1.43 2.13 1.00 1.00 1.00 1.53 1.00 1.00
Reputation
Risk
Profil Risiko
Komposit
1.50 1.43 1.55 1.57 1.69 1.69 1.56 1.75 1.89 1.71 1.66 1.63
Composite Risk
Profile
Skor Profil Risiko Komposit Korporat Tahun 2023 The Corporate Composite Risk Profile Score for 2023
yaitu “1.63“ dengan tingkat Risiko “Low to Moderate”. is “1.63” with a risk level of “Low to Moderate”. There
Terjadi penurunan bila dibandingkan dengan Skor was a decrease when compared to the Corporate
Profil Risiko Komposit Korporat pada 2022 yaitu “2.01” Composite Risk Profile Score in 2022 of “2.01” with
dengan tingkat Risiko Inheren yang sama yaitu “Low to the same Inherent Risk level of “Low to Moderate”. In
Moderate”. Pada tahun 2023, Secara komposit tingkat 2023, the composite risk profile level was maintained
profil risiko korporat terjaga pada tingkat Low to at Low to Moderate level. However, the Company
Moderate. Namun Perusahaan perlu mempersiapkan needs to prepare a more mature strategy to face
strategi yang lebih matang untuk menghadapi Market Risk exposure due to the increasing ratio of
eksposur Risiko Pasar akibat meningkatnya rasio liabilities with floating interest rates, which is triggered
liabilitas dengan suku bunga mengambang, yang by the need for funding from the money market which
dipicu oleh kebutuhan jumlah pendanaan dari money has low interest rates, as well as Credit Risk caused by
market yang memiliki suku bunga rendah, serta Risiko the growth rate of OSL for Non-Pawn Products which
Kredit yang disebabkan oleh Tingkat pertumbuhan more increasing.
OSL Produk Non Gadai yang semakin meningkat.
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Tata Kelola Perusahaan
Corporate Governance
Upaya Mitigasi Risiko Risk Mitigation Efforts
1. Risiko Kredit 1. Credit Risk
Mitigasi yang telah dilakukan dalam mengendalikan Mitigation that has been carried out in controlling
eksposur risiko pada Risiko Kredit, antara lain risk exposure to Credit Risk, includes the following:
sebagai berikut:
a. Selektif dalam penyaluran Kupedes a. Selective in distributing Kupedes
b. Pemberlakuan pembatasan pencairan bagi b. Implementation of disbursement restrictions
Unit Kerja dengan NPL >3% for Work Units with NPL >3%
c. Menjaga kualitas penyaluran Kredit KUPEDES c. Maintaining the quality of KUPEDES Credit
dengan menyediakan leads Nasabah potensial distribution by providing potential customer
dan pasar sasaran yang prospektif; leads and prospective target markets;
d. Maintenance kredit pasca pencairan pada d. Post-disbursement credit maintenance for
produk Gadai berbasis Angsuran dan produk Installment-based Pawn products and Non-
Non Gadai khususnya pada produk KUR Pawn products, especially KUR Syariah and
Syariah dan KUPEDES yang mengalami tingkat KUPEDES products which are experiencing
pertumbuhan yang cukup tinggi. quite high growth rates.
e. Mendorong UPC dan Cabang untuk e. Encourage UPC and Branches to comply with
melaksanakan SOP secara patuh terutama SOPs, especially re-estimating BJ disbursement
taksir ulang BJ hasil pencairan dari Agen Gadai. results from Pawn Agents.
f. Monitoring pembayaran PT POJ akan dilakukan f. Monitoring of PT POJ payments will be carried
secara tepat waktu sesuai perjanjian kredit. out in a timely manner according to the credit
agreement.
2. Risiko Pasar 2. Market Risk
Mitigasi yang telah dilakukan dalam mengendalikan Mitigation that has been carried out in controlling
eksposur risiko pada Risiko Pasar, antara lain risk exposure to Market Risk, includes the following:
sebagai berikut:
a. Menerbitkan liabilitas jangka panjang berupa a. Issue long-term liabilities in the form of PUB 5
obligasi PUB 5 Tahap 5 di awal 2024 sebesar Phase 5 bonds in early 2024 of Rp2.7 trillion;
2.7 T; (sukuk 2 Tahap 5); (sukuk 2 Phase 5);
b. Memperluas kerjasama baru dengan mitra b. Expanding new collaborations with banking
perbankan dalam rangka mencari sumber partners in order to find sources of money
pendanaan money market dengan rate yang market funding at competitive rates while
bersaing dengan mengedepankan profitabilitas prioritizing the Company’s profitability;
Perusahaan;
Tinjauan atas Efektivitas Sistem Review of the Effectiveness of the Risk
Manajemen Risiko Management System
Untuk mengukur tingkat kematangan atau efektivitas To measure the maturity level or effectiveness of the
penerapan manajemen risiko Perseroan, pada Tahun Company’s risk management implementation, in 2023
2023 Perseroan melakukan pengukuran Tingkat the Company will measure the Risk Management
Maturitas Manajemen Risiko bekerja sama dengan PPM Maturity Level in collaboration with PPM Manajemen
Manajemen Consultant sebagai konsultan Penerapan Consultant as a consultant for the Implementation of
Manajemen Risiko pada Bank Rakyat Indonesia (BRI) Risk Management at the Bank Rakyat Indonesia (BRI)
Group. Pengukuran Risk Maturity Level dilakukan Group. Risk Maturity Level measurement is carried out
menggunakan Kerangka PwC’s Enterprise Risk using PwC’s Enterprise Risk Management Framework,
Management, yang terdiri dari 9 (Sembilan) building which consists of 9 (nine) building blocks, namely
block yaitu Risk Strategy, Risk Appetite, Risk Profile, Risk Strategy, Risk Appetite, Risk Profile, Governance
Governance Structure, Risk Policy, Monitoring & Structure, Risk Policy, Monitoring & Reporting,
Reporting, Modeling & Analysis (Risk), Risk Culture, Modeling & Analysis (Risk), Risk Culture , and Risk
dan Risk Technology Tools. Technology Tools.
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Hasil pengukuran tingkat maturitas memperoleh angka The results of the maturity level measurement obtain
3.85 dari skala 5.00 yang menunjukkan Manajemen a score of 3.85 on a scale of 5.00 which indicates the
Risiko Perseroan berada pada level Managed, yang Company’s Risk Management is at the Managed level,
secara umum berarti bahwa risk appetite telah which generally means that risk appetite has been
didefinisikan secara eksplisit ukuran dan batasan explicitly defined. on business decisions although
risiko telah dikaitkan dengan tujuan perusahaan dan not consistently, the Board of Commissioners and
harapan stakeholders, kriteria risk appetite ditetapkan the Board of Directors periodically communicate
dan diterapkan pada keputusan bisnis walaupun expectations to executive management regarding
tidak secara konsisten, Dewan Komisaris dan Direksi the completeness, accuracy and transparency of risk
secara berkala mengkomunikasikan harapan kepada management information, and there are several risk
Manajemen eksekutif tentang kelengkapan, akurasi systems but still using few standards and there is still
dan transparansi informasi manajemen risiko, duplication of data/functions.
serta terdapat beberapa sistem risiko tetapi masih
menggunakan sedikit standar dan masih terdapat
duplikasi data/fungsi.
Ringkasan kondisi kematangan penerapan Manajemen Summary of the maturity condition of the Company’s
risiko Perseroan dari perspektif risk strategy, risk management implementation from a risk strategy
strategi manajemen risiko telah ditetapkan dan perspective, a risk management strategy has been
dikomunikasikan secara berkala ke seluruh jenjang established and communicated periodically to
organisasi. Risk Appetite Statement (RAS) telah all levels of the organization. The Risk Appetite
ditetapkan dan diselaraskan dengan strategi bisnis Statement (RAS) has been determined and aligned
perusahaan serta rutin dipantau dengan sistem traffic with the company’s business strategy and is routinely
light. Sebagian besar proses penilaian, pemantauan, monitored by a traffic light system. Most of the process
dan penyusunan profil risiko dan top ten risks telah of assessing, monitoring and compiling risk profiles
dilakukan dengan memadai sesuai dengan ketentuan and top ten risks has been carried out adequately in
yang berlaku. Beberapa proses manajemen risiko accordance with applicable regulations. Several risk
ditetapkan dengan mendetail dan komprehensif tetapi management processes are defined in detail and
beberapa pedoman dan bagian dan kebijakan rutin comprehensively, but some guidelines and sections
dikomunikasikan ke seluruh perusahaan namun belum and routine policies are communicated throughout
diturunkan secara dokumen. Monitoring dan evaluasi the company but have not been developed in a
terhadap risiko telah dilakukan beserta dengan document. Monitoring and evaluation of risks has
dokumentasi rencana tindak lanjut. Sedangkan been carried out along with documentation of follow-
model perhitungan risiko telah terdokumentasi dan up plans. While the risk calculation model has been
diperbaharui secara berkala, serta stress test telah documented and updated regularly, as well as stress
dilakukan dan dilaporkan setiap triwulan yang sesuai tests have been carried out and reported every
dengan ketentuan induk. Dari perspektif risk culture quarter in accordance with the main provisions. From
sudah mulai dilaksanakannya penilaian risk awareness a risk culture perspective, risk awareness & culture
& culture serta adanya inisiatif pengembangan assessments have begun and there are initiatives to
program internalisasi budaya risiko seperti penyusunan develop risk culture internalization programs such as
kurikulum dan program reward and punishment. Dari curriculum development and reward and punishment
perspektif teknologi dan tools telah terdapat aplikasi programs. From a technology and tools perspective,
internal yang membantu penerapan manajemen risiko. there are internal applications that help implement
risk management.
Berdasarkan asesmen kematangan penerapan Based on the risk management implementation
manajemen risiko yang telah dilakukan, kepada maturity assessment that has been carried out, the
Perseroan direkomendasikan 17 (tujuh belas) Usulan Company recommended 17 (seventeen) Proposed
Peluang Perbaikan Berdasarkan Jenis Risiko, Aktivitas Opportunities for Improvement Based on the Type of
ini dapat dipertimbangkan oleh Perseroan untuk Risk, this activity can be considered by the Company
meningkatkan Tingkat Kematangan Penerapan to increase the Maturity Level of the Company’s Risk
Manajemen Risiko Perseroan beberapa tahun Management Implementation in the next few years.
mendatang. Roadmap Pengembangan dilengkapi The Development Roadmap is equipped with a
dengan scenario penyelesaian dalam 3 (tiga) tahun completion scenario in 3 (three) years by continuing
dengan melanjutkan pengembangan sebelumnya. the previous development.
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Tata Kelola Perusahaan
Corporate Governance
Pernyataan atas Kecukupan Sistem Statement on the Adequacy of the Risk
Manajemen Risiko Management System
Pegadaian telah menerapkan Sistem Manajemen Risiko The Company has implemented a Risk Management
di level Direksi melalui Risk Management Committee System at the Board of Directors level through the
dan di level Dewan Komisaris melalui Komite Pemantau Risk Management Committee and at the Board of
Risiko secara periodik triwulanan. Di samping itu, Commissioners level through the Risk Monitoring
penerapan Sistem Manajemen Risiko Perseroan Committee on a quarterly basis; as well as by involving
dilakukan dengan melibatkan organ manajemen di management organs in Regional Offices in the form
Kantor Wilayah dalam bentuk Risk Regional Forum of Risk Regional Forums which are held periodically
yang dilaksanakan secara periodik setiap bulan. Selain every month. Apart from that, from the IT side, the
itu dari sisi IT, Perusahaan telah memiliki dashboard Company already has a Fraud Detection System
Fraud Detection System dan Aplikasi New PRISMA dashboard and the New PRISMA Application to
guna mendukung kegiatan operasional Manajemen support Risk Management operational activities and
Risiko dan meningkatkan penerapan manajemen risiko improve the implementation of risk management for
bagi seluruh pemangku kepentingan. all stakeholders in the company.
Sistem Pengendalian Internal Internal Control System
Pengendalian internal adalah proses yang menyatu Internal control is a process that integrates all ongoing
pada seluruh aktivitas yang berjalan untuk memberikan activities to provide adequate assurance of achieving
keyakinan yang memadai atas tercapainya tujuan objectives through effective, efficient and economical
melalui kegiatan yang efektif, efisien dan ekonomis, activities, reliability of financial reporting, safeguarding
keandalan pelaporan keuangan, pengamanan aset serta assets and compliance with laws and regulations.
ketaatan terhadap peraturan perundang-undangan.
Dasar Kebijakan Sistem Pengendalian Basic Policy of Internal Control System
Internal
Untuk menjamin Perseroan melakukan kegiatan To ensure that the Company carries out the
pengelolaan Perseroan sesuai aktivitas yang dilakukan Company’s management activities in accordance
selalu berada dalam penugasan dan kendali yang baik, with the activities carried out which are always under
tidak menyimpang dari semua ketentuan dan peraturan good assignment and control, do not deviate from all
yang ada, Direksi telah menetapkan Peraturan Direksi existing rules and regulations, the Board of Directors
No. 28 Tahun 2018 tentang Pedoman Pengendalian has stipulated Regulation of the Board of Directors
Internal (Internal Control) tanggal 18 Desember 2018. No. 28 of 2018 concerning Internal Control Guidelines
dated December 18, 2018.
Tujuan Sistem Pengendalian Internal Internal Control System Objectives
Sistem Pengendalian Internal mempunyai tujuan: The Internal Control System has the following
1. Tujuan Kepatuhan: Menjamin bahwa semua objectives:
kegiatan usaha perusahaan telah dilaksanakan 1. The purpose of Compliance: Guarantee that all
sesuai dengan ketentuan dan peraturan of the company’s business activities have been
perundang-undangan yang berlaku, baik carried out in accordance with applicable laws
ketentuan yang dikeluarkan oleh pemerintah and regulations, both provisions issued by the
maupun kebijakan dan prosedur internal yang government and internal policies and procedures
ditetapkan oleh perusahaan. established by the company.
2. Tujuan Informasi: Menyediakan laporan yang 2. The purpose of information: Provide correct,
benar, lengkap, tepat waktu dan relevan yang complete, timely and relevant reports needed in
diperlukan dalam rangka pengambilan keputusan the context of making reliable and accountable
yang andal dan dapat dipertanggungjawabkan. decisions.
3. Tujuan Operasional: Meningkatkan efektivitas dan 3. Operational objectives: Increase effectiveness and
efisiensi dalam penggunaan aset dan sumber daya efficiency in the use of assets and other resources
lainnya dalam rangka melindungi perusahaan dari in order to protect the company from the risk of
risiko kerugian. loss.
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Kerangka Sistem Pengendalian Internal Internal Control System Framework
Sistem Pengendalian Intern Perseroan merupakan The Company’s Internal Control System is a control
suatu proses pengendalian yang dilaksanakan secara process that is carried out continuously by the Board
terus menerus oleh Direksi, Pejabat Struktural, Pejabat of Directors, Structural Officers, Functional Officers
Fungsional dan Pelaksana yang dirancang untuk and Executors who are designed to provide adequate
memberikan keyakinan yang memadai terhadap confidence in the achievement of the Company’s
pencapaian Visi, Misi, Sasaran dan Tujuan Perseroan. Vision, Mission, Targets and Objectives.
Sistem Pengendalian Internal Perseroan mengadopsi The Company’s Internal Control System adopts
pada prinsip COSO (Committee of Sponsoring COSO (Committee of Sponsoring Organizations of
Organizations of the Treadway Commission), the Treadway Commission) principles, in which the
dimana Komponen Pedoman Sistem Pengendalian Components of the Internal Control System Guidelines
Intern berdasarkan Peraturan Direksi No. 28 Tahun are based on Regulation of the Board of Directors
2018 tanggal 18 Desember 2018, memiliki 5 (lima) No. 28 of 2018 dated December 18, 2018, has 5 (five)
komponen dan dikelola melalui 4 (empat) tahapan, components and is managed through 4 (four) stages,
yang digambarkan sebagai berikut: which are described as follows:
Tahap Perancangan
Planning Phase
Penilaian Risiko Aktivitas Pengendalian
Risk Assessment Control Activities
Tahap Implementasi Lingkungan Pengendalian Tahap Implementasi
Implementation Phase Control Environment Implementation Phase
Pemantauan Informasi dan Komunikasi
Monitoring Information and
Communication
Tahap Evaluasi
Evaluation Phase
Kesesuaian Sistem Pengendalian Internal Conformity of the Internal Control System
dengan Kerangka COSO with the COSO Framework
Sistem Pengendalian Internal Perseroan mengadopsi The Company’s Internal Control System adopts
pada prinsip COSO (Committee of Sponsoring the principles of COSO (Committee of Sponsoring
Organizations of the Treadway Commission), di mana Organizations of the Treadway Commission), in which
unsur-unsur pengendalian intern meliputi komponen- the elements of internal control include the following
komponen sebagai berikut: components.
1. Lingkungan pengendalian; 1. Control environment;
2. Penilaian risiko; 2. Risk assessment;
3. Aktivitas pengendalian; 3. Control activities;
4. Informasi dan Komunikasi; 4. Information and Communication;
5. Kegiatan pemonitoran. 5. Monitoring activities.
Kesesuaian penerapan Sistem Pengendalian Internal The suitability of the implementation of the Pegadaian
Pegadaian dengan kerangka COSO adalah sebagai Internal Control System with the COSO framework is
berikut: as follows:
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Tata Kelola Perusahaan
Corporate Governance
Prinsip COSO Penerapan di Perseroan
COSO Principles Implementation in Pegadaian
Lingkungan Pengendalian Perseroan telah memiliki budaya kerja AKHLAK yang merupakan
Lingkungan pengendalian adalah rangkaian standar, implementasi dalam mendukung Core Values BUMN sebagai
proses dan struktur yang menjadi dasar dalam identitas dan perekat dalam budaya kerja yang mendorong
pelaksanaan pengendalian internal di seluruh peningkatan performa dengan mengadopsi Core Values BUMN dan
organisasi. menerjemahkannya ke dalam kompetensi dan indikator perilaku
yang sejalan dengan kebutuhan bisnis, visi, dan misi Perseroan.
Control Environment
Control environment is the set of standards, Perseroan juga mempunyai kode etik karyawan (Code of Conduct)
processes and structures that form the basis for dan telah ditandatangani oleh seluruh Insan Pegadaian sebagai
implementing internal control throughout the bentuk komitmen untuk melaksanakan hak dan kewajibannya mulai
organization. dari jajaran Dewan Komisaris, Direksi, para pejabat dan staf, yang
diharapkan dapat mempengaruhi perilaku positif para karyawan.
Segala bentuk pelanggaran terhadap Kode Etik tersebut akan
mendapatkan sanksi sebagaimana diatur dalam Perjanjian Kerja
Bersama (PKB) antara Direksi dengan Serikat Pekerja.
The Company already has an AKHLAK work culture which is an
implementation in supporting SOEs’ Core Values as an identity and
glue in a work culture that encourages increased performance by
adopting SOEs’ Core Values and translating them into competencies
and behavioral indicators that are in line with the Company’s
business needs, vision and mission.
The Company also has an employee code of conduct (Code of
Conduct) and has been signed by all Pegadaian personnel as a form
of commitment to carry out their rights and obligations starting
from the Board of Commissioners, Board of Directors, officials
and staff, which are expected to influence the positive behavior
of employees. All forms of violation of the Code of Ethics will be
subject to sanctions as stipulated in the Collective Labor Agreement
(PKB) between the Board of Directors and the Labor Union.
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Prinsip COSO Penerapan di Perseroan
COSO Principles Implementation in Pegadaian
Terdapat lima prinsip yang terkait dengan komponen Perseroan telah menetapkan Struktur Organisasi dan Tata Kerja
ini yaitu: (SOTK) yang menjelaskan tentang bentuk organisasi atau unit
1. Organisasi menunjukkan komitmen terhadap kerja baik di tingkat pusat maupun wilayah disertai dengan uraian
integritas dan nilainilai etika. jabatan (job description), wewenang, dan tanggung jawab. Namun
2. Direksi menunjukkan independensi dari dalam pengisian formasi pejabat/pegawai belum sepenuhnya
manajemen dan melaksanakan pengawasan sesuai dengan SOTK tersebut, hal ini disebabkan antara lain
terhadap pengembangan dan pelaksanaan adanya dinamika Perusahaan yang cukup tinggi terkait dengan
pengendalian internal. pengembangan organisasi serta pegawai yang pensiun atau
3. Dengan pengawasan board, manajemen resign. Setiap kekosongan jabatan dilakukan pengisian melalui
menetapkan struktur, bentuk pelaporan, job opening yang membutuhkan waktu sehingga masih terjadi
tanggung jawab dan otoritas yang diperlukan beberapa rangkapan pekerjaan yang nantinya akan terpenuhi sesuai
dalam rangka pencapaian tujuan. dengan SOTK. Dalam pelaksanaan tugas terkait fungsi dan tugas
4. Organisasi menetapkan komitmen dalam menarik, masing-masing karyawan telah diatur wewenang dan tanggung
mengembangkan, dan mempertahankan individu jawab secara berjenjang dan dituangkan dalam Standard Operating
yang kompeten dalam rangka pencapaian tujuan. Procedure (SOP). Untuk mempermudah pelaksanaan Approval
5. Organisasi memegang individu yang secara berjenjang telah dilakukan dan diakomodir by system melalui
bertanggung jawab dalam pengendalian internal Aplikasi Passion yang terintegrasi di Pusat sehingga lebih mudah
dalam rangka pencapaian tujuan. untuk dilakukan pemantauan atas implementasi internal kontrol
yang ada.
There are five principles associated with this
component, namely: Beberapa hal yang perlu mendapat perhatian terkait dengan
1. The organization demonstrates a commitment to lingkungan pengendalian sebagai berikut:
integrity and ethical values.
2. The Board of Directors demonstrates 1. Pengisian formasi pegawai perlu dilakukan percepatan
independence from management and pemenuhannya sehingga operasional perusahaan dapat berjalan
exercises oversight of the development and dengan optimal.
implementation of internal controls. 2. erkait moral hazzard karyawan yang dapat menimbulkan fraud,
3. With board oversight, management determines perlu dilakukan pembinaan intens dari pimpinan dan pendalaman
the structure, forms of reporting, responsibilities culture corporate.
and authorities required in order to achieve 3. Evaluasi atas efektivitas sanksi pelanggaran kode etik dan PKB
objectives. secara periodik harus di-review untuk mengeliminasi terjadinya
4. The organization establishes a commitment in penyimpangan.
attracting, developing and retaining competent
individuals in order to achieve goals. The Company has established an Organizational Structure and Work
5. The organization holds individuals responsible for Procedure (SOTK) which explains the form of organization or work
internal control in order to achieve goals. units both at the central and regional levels accompanied by job
descriptions, authorities and responsibilities. However, the filling in
of the official/employee formation is not fully in accordance with
the SOTK, this is due, among other things, to the relatively high
dynamics of the Company related to organizational development
and employees who are retiring or resigning. Each vacant position is
filled through a job opening which takes time so that there are still
several concurrent jobs which will later be fulfilled in accordance with
the SOTK. In carrying out tasks related to the functions and duties of
each employee, authorities and responsibilities have been regulated
in stages and set forth in the Standard Operating Procedure (SOP).
To facilitate the implementation of Approval in stages, it has been
carried out and accommodated by the system through the Passion
Application which is integrated at the Center so that it is easier to
monitor the implementation of existing internal controls. Some of the
things that need attention related to the control environment are as
follows:
1. Filling in employee formations needs to be accelerated so that
the company's operations can run optimally.
2. Regarding employee moral hazard which can lead to fraud, it is
necessary to carry out intense coaching from the leadership and
deepen the corporate culture.
3. Periodic evaluation of the effectiveness of sanctions for violating
the code of ethics and CLA must be reviewed to eliminate
irregularities.
PT Pegadaian | 2023 Annual Report 605
Page 606
Tata Kelola Perusahaan
Corporate Governance
Prinsip COSO Penerapan di Perseroan
COSO Principles Implementation in Pegadaian
Penilaian Risiko Perseroan telah menetapkan tujuan dan sasaran Perseroan yang
Penilaian risiko melibatkan proses yang dinamis dan tertuang dalam Rencana Kerja dan Anggaran Perusahaan (RKAP)
berulang untuk mengidentifikasi dan menganalisis dan telah dibreakdown ke masing-masing unit kerja, mulai dari Divisi,
risiko untuk mencapai tujuan, serta membentuk Kantor Wilayah, dan Kantor Cabang dalam Kontrak Manajemen
dasar mengenai bagaimana risiko harus dikelola. dan KPI. Untuk mencapai sasaran tersebut telah dibuat strategi dan
program kerja yang akan dilaksanakan dengan dukungan anggaran
Terdapat empat prinsip yang berkaitan dengan biaya dan investasi.
komponen ini yaitu:
1. Organisasi menentukan tujuan yang spesifik Perseroan telah melakukan identifikasi risiko dan mitigasi risiko pada
sehingga memungkinkan untuk dilakukan level Divisi sampai dengan unit operasional cabang yang dilaporkan
identifikasi dan penilaian risiko yang terkait oleh Divisi Manajemen Risiko Operasi & Korporasi setiap 3 (tiga)
dengan tujuan. bulanan.
2. Organisasi mengidentifikasi risiko yang terkait
dengan pencapaian tujuan di seluruh entitas Perseroan melalui Divisi Manajemen Risiko Operasi & Korporasi
dan menganalisis risiko untuk menjadi dasar berdasarkan data yang dihimpun dari Satuan Pengawasan Intern
bagaimana risiko akan diperlakukan. terkait Jumlah Kejadian Fraud yang berpotensi kerugian, dan
3. Organisasi mempertimbangkan potensi fraud Jumlah temuan telah dibuat Dashboard Risk Profile sebagai bahan
dalam penilaian risiko. monitoring dalam rangka penerapan Manajemen Risiko yang
4. Organisasi mengidentifikasi dan menilai akan dilaporkan ke Direktur Utama dan Dewan Komisaris setiap
perubahan yang akan memengaruhi sistem bulannya dan selanjutnya dilaporkan kepada Asisten Deputy bidang
pengendalian internal secara signifika. manajemen risiko dan kepatuhan di Kementerian BUMN.
Risk Assessment The Company has set the Company's goals and objectives which
Risk assessment involves a dynamic process and are contained in the Company's Work and Budget Plan (RKAP) and
repeatedly to identify and analyze risks to achieve have been broken down into each work unit, starting from Divisions,
objectives, as well as forming a basis for how risks Regional Offices and Branch Offices in Management Contracts and
should be managed. KPIs. To achieve this target, a strategy and work program have been
There are four principles related to this component, developed which will be implemented with the support of budget
namely: and investment.
1. The organization determines specific objectives
so that it is possible to identify and assess the The Company has conducted risk identification and risk mitigation
risks associated with the objectives. at the Division level up to branch operational units which are
2. The organization identifies the risks associated reported by the Operational & Corporate Risk Management Division
with achieving its objectives across the entity and every 3 (three) months.
analyzes the risks to form the basis of how the
risks will be treated. The Company through the Operations & Corporate Risk
3. The organization considers the potential for fraud Management Division based on data collected from the Internal
in risk assessment. Control Unit regarding the Number of Fraud Events with the
4. The organization identifies and assesses changes potential for loss, and the Number of findings, a Dashboard Risk
that will significantly affect the internal control Profile has been made as monitoring material in the context of
system. implementing Risk Management which will be reported to the
President Director and the Board of Commissioners every month
and subsequently reported to the Assistant Deputy for risk
management and compliance at the Ministry of SOEs.
606 Laporan Tahunan 2023 | PT Pegadaian
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Prinsip COSO Penerapan di Perseroan
COSO Principles Implementation in Pegadaian
Aktivitas Pengendalian Aktivitas Pengendalian adalah kebijakan dan prosedur yang
Aktivitas Pengendalian merupakan tindakan yang membantu menjamin bahwa arahan manajemen dilaksanakan.
ditetapkan dengan prosedur dan kebijakan untuk Aktivitas pengendalian memiliki berbagai tujuan dan diterapkan
meyakinkan bahwa manajemen telah mengarah di berbagai tingkat organisasi dan fungsi. Umumnya aktivitas
untuk memitigasi risiko dalam rangka pencapaian pengendalian relevan dengan audit dapat digolongkan sebagai
tujuan. kebijakan dan prosedur yang berkaitan dengan review terhadap
kinerja, pengolahan informasi, pengendalian fisik, dan pemisahan
Terdapat tiga prinsip dalam komponen ini yaitu: tugas.
1. Organisasi memilih dan mengembangkan
aktivitas pengendalian yang berkontribusi Control activities are the policies and procedures that help ensure
terhadap mitigasi risiko sampai pada tingkat yang that management directives are carried out. Control activities have
dapat diterima dalam rangka pencapaian tujuan. various objectives and are implemented at various organizational
2. Organisasi memilih dan mengembangkan and functional levels. In general, control activities relevant to
aktivitas pengendalian secara umum terkait the audit can be classified as policies and procedures related to
teknologi dalam rangka pencapaian tujuan. performance reviews, information processing, physical controls, and
3. Organisasi menyebarkan aktivitas pengendalian segregation of duties.
melalui kebijakan dan prosedur dalam
pengimplementasiannya.
Control Activity
Control activities are actions that are determined by
procedures and policies to ensure that management
has directed risk mitigation in order to achieve
objectives.
There are three principles in this component, namely:
1. The organization selects and develops control
activities that contribute to risk mitigation to
an acceptable level in order to achieve the
objectives.
2. The organization selects and develops general
control activities related to technology in order to
achieve objectives.
3. The organization deploys control activities
through policies and procedures for
implementation.
PT Pegadaian | 2023 Annual Report 607
Page 608
Tata Kelola Perusahaan
Corporate Governance
Prinsip COSO Penerapan di Perseroan
COSO Principles Implementation in Pegadaian
Informasi dan Komunikasi Informasi dan Komunikasi menjadi salah satu komponen
Informasi diperlukan dalam rangka pelaksanaan pengendalian intern karena menginformasikan pengendalian
tanggung jawab IC nya dalam rangka pencapaian yang telah dilaksanakan dan menginformasikan masing-masing
tujuan. Sedangkan komunikasi terjadi baik secara pelaksanaan tanggung jawab beserta tugas Direksi dan Karyawan.
internal maupun eksternal dengan menyediakan
informasi yang diperlukan dalam rangka pelaksanaan Information and Communication is one of the components
IC sehari-hari. of internal control because it informs the controls that have
been implemented and informs each implementation of the
Terdapat tiga prinsip dalam komponen ini yaitu: responsibilities and duties of the Board of Directors and Employees.
1. Organisasi memperoleh dan menggunakan
informasi yang berkualitas dan relevan dalam
rangka mendukung fungsi dari komponen lain
dalam pengendalian internal.
2. Organisasi secara internal mengomunikasikan
informasi, termasuk tujuan dan tanggung
jawab IC dalam rangka mendukung fungsi dari
komponen lain dari pengendalian internal.
3. Organisasi berkomunikasi dengan pihak eksternal
terkait hal yang mempengaruhi fungsi dari
komponen lain dalam pengendalian internal.
Information and Communication
Information is needed in order to carry out its IC
responsibilities in order to achieve goals. Meanwhile,
communication occurs both internally and externally
by providing information needed in the context of
day-to-day implementation of IC.
There are three principles in this component, namely:
1. The organization obtains and uses quality and
relevant information in order to support the
functions of other components in internal control.
2. The organization internally communicates
information, including IC objectives and
responsibilities in order to support the functions
of other components of internal control.
3. The organization communicates with external
parties regarding matters that affect the function
of other components of internal control.
Kegiatan Pemonitoran Pemantauan adalah komponen terakhir dari pengendalian intern.
Evaluasi berkelanjutan, terpisah, atau kombinasi Pemantauan memungkinkan perusahaan untuk mengevaluasi
keduanya untuk memastikan seluruh komponen IC efektivitas pelaksanaan keempat komponen pengendalian intern
ada dan berfungsi. lainnya serta merumuskan langkah-langkah penyempurnaan atau
perbaikan.
Terdapat dua prinsip dalam komponen ini yaitu: Monitoring is the final component of internal control. Monitoring
1. Organisasi memilih, mengembangkan, dan allows the company to evaluate the effectiveness of the
melaksanakan evaluasi berkelanjutan dan/atau implementation of the other four components of internal control and
terpisah untuk memastikan seluruh komponen to formulate steps for improvement or improvement.
pengendalian internal ada dan berfungsi.
2. Organisasi mengevaluasi dan mengkomunikasikan
defisiensi pengendalian internal pada pihak yang
bertanggung jawab agar diambil tindakan korektif.
Monitoring Activities
Continuous, separate, or combined evaluations both
to ensure all IC components exist and function.
There are two principles in this component, namely:
1. The organization selects, develops, and performs
ongoing and/ or separate evaluations to ensure
all components of internal control are present
and functioning.
2. The organization evaluates and communicates
internal control deficiencies to responsible parties
so that corrective action is taken.
608 Laporan Tahunan 2023 | PT Pegadaian
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Evaluasi atas Efektivitas Sistem Evaluation of the Effectiveness of the Pengendalian Internal Internal Control System Perseroan senantiasa melakukan pengawasan atas The Company always supervises the implementation implementasi kontrol internal pada unit kerja yang of internal control in work units carried out by the dilakukan oleh Satuan Pengawasan Intern melalui Internal Audit Unit through the assignment of Internal penugasan Auditor Internal, antara lain dengan Auditors, including by carrying out activities to provide melakukan kegiatan pemberian keyakinan yang adequate confidence in evaluating the effectiveness, memadai dalam mengevaluasi efektivitas, kecukupan adequacy and efficiency of the Internal Control dan efisiensi atas Sistem Pengendalian Internal, System, risk management and corporate governance manajemen risiko dan tata kelola perusahaan of operational activities at the Head Office, Regional atas kegiatan operasional di Kantor Pusat, Kantor Offices, Area Offices, Branch Offices and Service Wilayah, Kantor Area, Kantor Cabang dan Unit Units as well as in Subsidiaries, in accordance with Pelayanan maupun pada Anak Perusahaan, sesuai the provisions of laws and regulations and company dengan ketentuan peraturan perundang-undangan policies in order to protect the Company, and carry dan kebijakan perusahaan dalam rangka melindungi out inspection and assessment activities on efficiency Perusahaan, dan melakukan kegiatan pemeriksaan and effectiveness in the financial sector , operations, dan penilaian atas efisiensi dan efektivitas di bidang human resources, information technology, and other keuangan, operasional, sumber daya manusia, activities. teknologi informasi, dan kegiatan lainnya. Pernyataan atas Kecukupan Sistem Statement on Adequacy of Internal Pengendalian Internal Control System Berdasarkan hasil pengukuran efektivitas sistem Based on the results of measuring the effectiveness of pengendalian internal yang telah dilakukan, Dewan the internal control system that has been carried out, Komisaris dan Komite Audit bersama-sama dengan the Board of Commissioners and the Audit Committee Direksi menyatakan bahwa Sistem Pengendalian together with the Board of Directors stated that the Internal telah berjalan dengan baik dengan batas risiko Internal Control System has been running well with yang terukur. measurable risk limits. PT Pegadaian | 2023 Annual Report 609
Page 610
Tata Kelola Perusahaan
Corporate Governance
Perkara Penting dan Sanksi
Administrasi
Important Cases and Administrative Sanctions
Permasalahan Hukum Legal Issues
2023 2022
Permasalahan Hukum
Legal Issues Perdata Pidana Perdata Pidana
Civil Criminal Civil Criminal
Selesai dan telah mempunyai kekuatan hukum tetap
7 10 4 14
Completed and has permanent legal force
Dalam proses penyelesaian
4 1 - -
In the process of being resolved
Jumlah
11 11 4 14
Total
Perkara-perkara penting yang terjadi sampai dengan Important cases up to December 2023, including risks
Desember 2023, termasuk risiko dan pengaruhnya and their impact on the Company’s condition, as well
terhadap kondisi Perseroan, serta tindak lanjut yang as follow-up actions taken by the Company.
diambil Perseroan.
Sengketa Perdata Umum General Civil Disputes
Pihak yang berperkara Pokok Perkara Risiko Perkara Status Perkara
No
Litigating parties Case Case Risk Case Status
1 Penggugat: Sdri. Amalia Penggugat Sdri. Amalia Komalasari Ganti Rugi kepada Putusan Pengadilan
Komalasari menyatakan bahwa Para Tergugat Sdri. Amalia Negeri Jakarta Pusat
Tergugat: PT Pegadaian yaitu PT Pegadaian melakukan Komalasari sebesar menyatakan bahwa
perbuatan melawan hukum pada saat Rp186.947.891.300 PT Pegadaian tidak
Plaintiff: Amalia melakukan pengambilan aset milik Ybs melakukan Perbuatan
Komalasari dalam rangka mengurangi Kerugian Compensation Melawan Hukum sehingga
Defendant: PT Pegadaian Perusahaan, oleh karena itu ybs to Amalia terhindar dari tuntutan
mengajukan gugatan di Pengadilan Komalasari of ganti rugi
Negeri Jakarta Pusat. Rp186,947,891,300
Decision of the Central
Plaintiff Amalia Komalasari stated that Jakarta District Court
the Defendant, namely PT Pegadaian, stated that PT Pegadaian
committed an unlawful act when they did not commit any
took her assets in order to reduce the unlawful acts so that
Company's losses, therefore she filed it avoided claims for
a lawsuit at the Central Jakarta District compensation
Court.
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Sengketa Perdata Khusus Special Civil Disputes
Pihak yang berperkara Pokok Perkara Risiko Perkara Status Perkara
No
Litigating parties Case Case Risk Case Status
1 Penggugat: Arie Indra Sdr. Arie Indra adalah Penggugat Ganti Rugi sebesar Putusan Pengadilan tinggi
Manurung yang menyatakan bahwa produk Rp322.500.000.000 Jakarta Pusat menyatakan
Tergugat (T): PT Tabungan Emas milik PT Pegadaian bahwa Skim produk
Pegadaian telah menjiplak Hak Cipta yang Compensation of Tabungan Emas PT
Turut Tergugat: bersangkutan baik sebagian atau pada Rp322,500,000,000 Pegadaian tidak menjiplak
Kemenkumham pokoknya sehingga dipandang sama karya tulis "GOLDGRAM"
persis dengan Karya Tulis goldgram milik Penggugat.
Plaintiff: Arie Indra milik Penggugat. Adapun gugatan
Manurung diajukan di Pengadilan Negeri Jakarta Decision of the Central
Defendant (T): PT Pusat. Pada tanggal 6 september Jakarta High Court stated
Pegadaian 2022 Pengadilan Negeri Jakarta Pusat that PT Pegadaian's Gold
Also Defendant: Ministry telah memutuskan bahwa gugatan Savings Product Scheme
of Law and Human yang diajukan Penggugat dinyatakan did not plagiarize the
Rights ditolak. Penggugat selanjutnya Plaintiff's "GOLDGRAM"
mengajukan upaya hukum Kasasi dan written work.
telah diputus pada tingkat Kasasi
Arie Indra is the Plaintiff who stated
that PT Pegadaian's Gold Savings
product had plagiarized the copyright
in question either in part or in essence
hence it was seen to be exactly the
same as the Plaintiff's goldgram
written work. The lawsuit was filed
at the Central Jakarta District Court.
On September 6, 2022, the Central
Jakarta District Court decided that
the lawsuit submitted by the Plaintiff
was rejected. The plaintiff then filed
a cassation legal action and it was
decided at the cassation level
Sengketa Pidana Umum General Criminal Disputes
Selama tahun 2023, Perseroan tidak memiliki sengketa During 2023, the Company did not have any general
pidana umum, yang bersifat material yang dapat criminal disputes of a material nature that could have
memberikan pengaruh terhadap kinerja keuangan an impact on the Company’s financial or operational
ataupun operasional Perseroan. performance.
Sengketa Pidana Khusus Special Criminal Disputes
Selama tahun 2023, Perseroan tidak memiliki sengketa During 2023, the Company did not have any special
pidana khusus yang bersifat material yang dapat criminal disputes of a material nature that could have
memberikan pengaruh terhadap kinerja keuangan an impact on the Company’s financial or operational
ataupun operasional Perseroan. performance.
Sanksi Administratif Administrative Sanctions
Sepanjang tahun 2023, tidak terdapat sanksi Throughout 2023 there were no administrative
administratif dari pihak otoritas yang diberikan kepada sanctions from the authorities given to the Company,
Perseroan, entitas anak, Dewan Komisaris, maupun its subsidiaries, the Board of Commissioners or the
Direksi. Dengan demikian, tidak ada informasi terkait Board of Directors.
hal tersebut.
PT Pegadaian | 2023 Annual Report 611
Page 612
Tata Kelola Perusahaan
Corporate Governance
Permasalahan Hukum pada Entitas Anak Legal Issues in the Company’s
Perseroan Subsidiaries
Selama tahun 2023, entitas anak Perseroan tidak During 2023, the Company’s subsidiaries did not have
memiliki permasalahan hukum, baik perdata maupun any legal problems, either civil or criminal, of material
pidana yang bersifat material yang dapat memberikan nature that could have an impact on the Company’s
pengaruh terhadap kinerja keuangan ataupun financial or operational performance.
operasional Perseroan.
Akses Informasi dan Data Perseroan Access to Company Information and
Data
Perseroan memiliki kebijakan mengenai keterbukaan Policy regarding information disclosure, the Company
informasi yang mengacu pada Peraturan Direksi refers to Regulation of the Board of Directors No.
No. 138/DIR-III/2017 tentang Sistem Keamanan 138/DIRIII/2017 concerning Information Management
Manajemen Informasi dengan aspek yang diatur Security Systems with regulated aspects as follows:
antara lain sebagai berikut:
1. Informasi yang dikategorikan informasi publik 1. Information categorized as public information and
dan informasi rahasia Perseroan; confidential information of the Company;
2. Pihak-pihak yang dapat memberikan dan/atau 2. Parties that can provide and/or convey public
menyampaikan informasi publik; information;
3. Prosedur pengungkapan informasi Perseroan 3. Procedures for disclosing Company information to
kepada stakeholders. stakeholders.
Pengelola Akses Informasi Information Access Manager
Pengelola Akses Informasi dan Data Perseroan Information and Data Access Management of
dilaksanakan oleh Pejabat Pengelola Informasi dan the Company is carried out by Information and
Dokumentasi (PPID) dengan tugas dan tanggung Documentation Management Officers (PPID) with
jawab dibidang perencanaan, pelaksanaan, dan duties and responsibilities in planning, implementing
pendokumentasian aktivitas komunikasi di lingkungan and documenting communication activities within the
Perseroan. PPID Pusat dijabat oleh Sekretaris Company. The Central PPID is held by the Corporate
Perseroan, sedangkan PPID Wilayah dijabat oleh Secretary, while the Regional PPID is held by the
Deputi Operasional. Deputy for Operations.
Melalui pelayanan informasi publik ini, masyarakat Through this public information service, the public
dapat mengakses dan mengetahui informasi mengenai can access and know information about the
Perseroan, proses bisnis, tanggung jawab sosial Company, business processes, the Company’s social
Perseroan, dan informasi terkait lainnya yang diatur responsibility, and other related information regulated
oleh undang-undang. by law.
Media Informasi dan Komunikasi Information and Communication Media
Akses informasi Perseroan mengenai informasi Access to Company information regarding financial
finansial dan Perseroan, publikasi (press release), and Company information, publications (press
produk, aksi korporasi, bahan presentasi Perseroan releases), products, corporate actions, Company
ke publik dan sebagainya, antara lain dapat dilakukan presentation materials to the public and so on, among
melalui media sebagai berikut: others, can be done through the following media:
Website Perseroan www.pegadaian.co.id yang The Company’s website www.pegadaian.co.id is
disajikan dalam bahasa indonesia dan bahasa Inggris presented in Indonesian and English and provides
serta menyampaikan informasi mengenai: information regarding:
1. Profil Perseroan dengan Konten Sejarah Pegadaian, 1. Company Profile with Content on Pegadaian
Visi dan Misi, Budaya Perseroan, Struktur History, Vision and Mission, Company Culture,
Organisasi, Struktur Kepemilikan, Struktur Grup Organizational Structure, Ownership Structure,
Perseroan, Penghargaan, Dokumen Anggaran Company Group Structure, Awards, Articles of
612 Laporan Tahunan 2023 | PT Pegadaian
Page 613
Dasar, Profil Direksi, Dewan Komisaris, Komite dan Association Document, Profiles of the Board of
Sekretaris Perseroan Directors, Board of Commissioners, Committees
and Company Secretary
2. Informasi Produk dan Layanan dengan Konten 2. Product and Service Information with Content on
Produk Pinjaman Gadai, Non Gadai, Layanan Jasa Pawn Loan Products, Non-Pawn Loans, Services
3. Tata Kelola dengan Konten Kebijakan-Kebijakan 3. Governance with Company Policy Content
Perseroan
4. Laporan Kinerja Perseroan termasuk Laporan 4. Company Performance Report including annual
tahunan yang dapat diakses melalui website report which can be accessed via the Company’s
Perseroan baik versi Indonesia maupun versi website, both Indonesian and English versions
bahasa inggris (https://www.pegadaian.co.id/ (https://www.pegadaian.co.id/report-kinerja/
laporan-kinerja/laporan-tahunan) report-annual)
5. Keberlanjutan Pegadaian 5. Pegadaian Sustainability
6. Berita 6. News
7. Harga Emas 7. Gold Price
8. Pejabat Pengelola Informasi dan Dokumentasi 8. Information and Documentation Management
(PPID) Officer (PPID)
9. Saluran Komunikasi: 1500 569 atau Whatsapp 0811 9. Communication Channel: 1500 569 or Whatsapp
1500 569 juga dapat melalui sosial media sebagai 0811 1500 569 can also be via social media as
berikut: follows:
a. Facebook : Pegadaian a. Facebook : Pegadaian
b. Twitter : @Pegadaian b. Twitter : @Pegadaian
c. Instagram : Pegadaian_id c. Instagram : Pegadaian_id
d. YouTube : Pegadaian Official d. YouTube : Official Pegadaian
e. LinkedIn : PT Pegadaian e. LinkedIn : PT Pegadaian
10. Selain itu, untuk mendapatkan informasi lebih 10. In addition, to obtain further information regarding
lanjut mengenai Perseroan, masyarakat umum dan the Company, the general public and investors can
investor dapat menghubungi PPID sebagai berikut: contact PPID as follows:
Alamat
PPID
Address
Jl. Kramat Raya No. 162 Jakarta Pusat 10430
PPID Pusat
Tlp. 021-3155550 ext. 324
Jl. Pegadaian No. 112 Medan 20151 Sumatera Utara
PPID Wilayah I Medan
Tlp. 061-4567247
Jl. Arifin Ahmad No.9 Gedung Nusantara Pekanbaru Riau
PPID Wilayah II Pekanbaru
Tlp. 0761-5970055
Jl. Merdeka No.11 Palembang 30132 Sumatera Selatan
PPID Wilayah III Palembang
Tlp. 0711-361529
Jl. Jend. Sudirman No.38 Stalkuda Balikpapan 76114 Kalimantan Timur
PPID Wilayah IV Balikpapan
Tlp. 0542-762002
Jl. Dr. Soetomo No.199 Pinaesaan Manado 95221 Sulawesi Utara
PPID Wilayah V Manado
Tlp. 0431-869262
Jl. Kumala Raya No.76/78 Komplek Ruko Kumala Blok A No.7-9 Kel. Bogaya Kec.
PPID Wilayah VI Makassar
Tamalate Makassar 90223 Sulawesi Selatan Tlp
Jl. Puputan No.23C Renon Denpasar 80226 Bali
PPID Wilayah VII Denpasar
Tlp. 0361-242011 & 0361-242100
Jl. Senen Raya No.36 Jakarta Pusat 10410
PPID Wilayah VIII Jakarta
Tlp. 021-3505190
Jl. Senen Raya No.36 Jakarta Pusat 10410
PPID Wilayah IX Jakarta
Tlp. 021-3507075
Jl. Pungkur No.125 Bandung 40252 Jawa Barat
PPID Wilayah X Bandung
Tlp. 022-4230737
Jl. Ki Mangunsarkoro No.7 Semarang 50241 Jawa Tengah
PPID Wilayah XI Semarang
Tlp. 024-8415896/97
Jl. Dinoyo No.79 Surabaya 60265 Jawa Timur
PPID Wilayah XII Surabaya
Tlp. 031-5667816 & 031-5675294
PT Pegadaian | 2023 Annual Report 613
Page 614
Tata Kelola Perusahaan
Corporate Governance
11. Media Internal 11. Internal Media
Bagi karyawan, Perseroan membangun komunikasi For employees, the Company builds communication
melalui: Pegadaian Televisi, saluran media through: Pegadaian Television, electronic media
elektronik dan forum komunikasi portal Pegadaian. channels and the Pegadaian portal communication
Kedua media ini memberikan wadah bagi karyawan forum. These two media provide forum for
untuk mengetahui kondisi terkini dari Perseroan, employees to find out about the latest conditions
sekaligus menjadi media sosialisasi atas kebijakan of the Company, as well as being a medium for
yang diambil top manajemen yang harus diketahui socializing policies taken by top management that
oleh karyawan Perseroan. must be known to Company employees.
12. Siaran Pers 12. Press Release
Selama tahun 2023 Perseroan telah menerbitkan During 2023, the Company has issued 141 press
siaran pers (press release) sebanyak 141 rilis releases as a form of conveying and disclosing
sebagai bentuk penyampaian dan keterbukaan information to the public. The list of press releases
informasi kepada masyarakat. Daftar press release that have been published in 2023 includes:
yang telah diterbitkan tahun 2023 antara lain:
Judul Press Release Tanggal
No
Press Release Title Date
Tutup Tahun 2022, Nasabah Pegadaian Tumbuh Dua Digit 5 Januari 2023
1.
By the end of 2022, Pegadaian's customers will grow by double digits January 5, 2023
Jadi Next Insan Pegadaian, Simak Informasi Berikut Ini 6 Januari 2023
2.
So Next Pegadaian Person, Check Out the Following Information January 6, 2023
Pegadaian Dukung Kejari Jaksel Usut Kasus Kebayoran Baru
7 Januari 2023
3. Pegadaian Supports South Jakarta Prosecutor's Office to Investigate the Kebayoran Baru
January 7, 2023
Case
Aplikasi SAPA Pegadaian Berikan Informasi dalam Genggaman 10 Januari 2023
4.
The SAPA Pegadaian application provides information in the palm of your hand January 10, 2023
Saatnya Punya Motor Listrik dengan Pegadaian Syariah Cicil Kendaraan di Pegadaian
12 Januari 2023
5. It's time to have an electric motorbike with Sharia pawnshops for vehicle installments at
January 12, 2023
Pegadaian
Surprise! Pegadaian Punya Kado Awal Tahun Untuk Nasabah 14 Januari 2023
6.
Surprise! Pegadaian Has Early Year Gifts for Customers January 14, 2023
Pegadaian Ajak Nasabah Wujudkan Mimpi Jadi Bintang Iklan Bareng Rizky Febian
16 Januari 2023
7. Pegadaian invites customers to realize their dreams of becoming celebrity stars with
January 16, 2023
Rizky Febian
Pegadaian-Danamon Pelopori Sustainable Social Loan 18 Januari 2023
8.
Pegadaian-Danamon Pioneers of Sustainable Social Loan January 18, 2023
Pegadaian Raih Brand Champion 19 Januari 2023
9.
Pegadaian Achieves Brand Champion January 19, 2023
Ajak Masyarakat Untuk Hidup Sehat Pegadaian Bersama Kopassus Bangun Lapangan
Olahraga 24 Januari 2023
10.
Invites the Community to Live a Healthy Life. Pegadaian Together with Kopassus Builds a January 24, 2023
Sports Field
Unit Usaha Syariah Pegadaian Rayakan MIlad ke-20 dengan Berbagi 26 Januari 2023
11.
Pegadaian Sharia Business Unit Celebrates 20th Anniversary by Sharing January 26, 2023
Biaya Haji Naik Jangan Panik, Arrum Haji Pegadaian Jadi Solusi Wujudkan Niat Baik
28 Januari 2023
12. Hajj Costs Increase Don't Panic, Pegadaian Hajj Arrum is a Solution to Realize Good
January 28, 2023
Intentions
Pegadaian Raih Indonesia Excellence GCG Awards 2023 1 Februari 2023
13.
Pegadaian Wins Indonesia Excellence GCG Awards 2023 February 1, 2023
Pegadaian Kembali Membuka Lowongan Kerja di Bidang IT 3 Februari 2023
14.
Pegadaian is again opening job vacancies in the IT sector February 3, 2023
Transaksi BPJS Ketenagakerjaan Kini Bisa Dilakukan di Outlet Pegadaian 8 Februari 2023
15.
BPJS Employment transactions can now be done at Pegadaian Outlets February 8, 2023
Mantap, Tahun 2022 Laba Bersih Pegadaian Tumbuh 36% 10 Februari 2023
16.
Great, in 2022 Pegadaian's Net Profit Grows 36% February 10, 2023
614 Laporan Tahunan 2023 | PT Pegadaian
Page 615
Judul Press Release Tanggal
No
Press Release Title Date
Gelar Perayaan HPSN 2023, Pegadaian MengEMASkan Sampah di Kabupaten Jember 20 Februari 2023
17.
Holding HPSN 2023 Celebration, Pegadaian Collects Trash in Jember Regency February 20, 2023
Erick Thohir Ajak Mahasiswa Universitas Muhammadiyah Jambi Membangun Masa Depan
BUMN 20 Februari 2023
18.
Erick Thohir Invites Jambi Muhammadiyah University Students to Build the Future of February 20, 2023
BUMN
Pegadaian Kembali Gelar Lomba Karya Jurnalistik 21 Februari 2023
19.
Pegadaian Holds Journalism Competition Again February 21, 2023
Direktur Muda Pegadaian Ajak Gen-Z di Jambi Jadi The Next Future Leader 22 Februari 2023
20.
Pegadaian's Young Director Invites Gen-Z in Jambi to Become the Next Future Leader February 22, 2023
Pegadaian Gandeng Produsen Emas Perluas Ekosistem Melalui Bullion Services
24 Februari 2023
21. Pegadaian Collaborates with Gold Producers to Expand the Ecosystem Through Bullion
February 24, 2023
Services
Selamat! PR Pegadaian Memenangkan Penghargaan di IPRA 2023 25 Februari 2023
22.
Happy! Pegadaian PR Wins Award at IPRA 2023 February 25, 2023
Pegadaian Ramaikan Festival Panggung Rakyat BUMN di Parapat 26 Februari 2023
23.
Pegadaian Enlivens the BUMN People's Stage Festival in Parapat February 26, 2023
Dukung Ekonomi Hijau Indonesia, Pegadaian Memenangkan The Best Green Program
26 Februari 2023
24. 2023
February 26, 2023
Supporting Indonesia's Green Economy, Pegadaian Wins The Best Green Program 2023
Lagi, Pegadaian Diganjar TOP Digital PR Award 1 Maret 2023
25.
Again, Pegadaian was awarded the TOP Digital PR Award March 1, 2023
Ajak Masyarakat Peduli Lingkungan, Pegadaian Resmikan 15 Bank Sampah Unit (BSU)
Binaan di Kota Padang 2 Maret 2023
26.
Inviting the Community to Care About the Environment, Pegadaian Inaugurates 15 Built March 2, 2023
Waste Bank Units (BSU) in Padang City
Pegadaian-IJTI Ajak Jurnalis Berperan Aktif Dorong UMKM Go Digital
3 Maret 2023
27. Pegadaian-IJTI Invites Journalists to Play an Active Role in Encouraging MSMEs to Go
March 3, 2023
Digital
TJSL Pegadaian Meng-EMAS-kan Sampah Raih Penghargaan Emas 10 Maret 2023
28.
TJSL Pegadaian Turns Waste into Gold and Wins Gold Award March 10, 2023
Pegadaian beri Pelatihan Kepada Pengrajin Sulam Suji Koto Gadang 13 Maret 2023
29.
Pegadaian provides training to Suji Koto Gadang Embroidery Craftsmen March 13, 2023
Sambut Ramadhan 1444 H, Pegadaian Berikan Bantuan Senilai Total 150 Juta Rupiah
14 Maret 2023
30. Welcoming Ramadhan 1444 H, Pegadaian Provides Assistance Worth a Total of 150 Million
March 14, 2023
Rupiah
Wuih, Pegadaian Raih Penghargaan LinkedIn Talent Award 2022 Lho! 15 Maret 2023
31.
Wow, Pegadaian Wins the 2022 LinkedIn Talent Award! March 15, 2023
Pegadaian Bangun The Gade Creative Lounge Mahasiswa Universitas Brawijaya Makin
Kreatif Belajar 20 Maret 2023
32.
Pegadaian Builds The Gade Creative Lounge Brawijaya University Students Get More March 20, 2023
Creative in Learning
Pegadaian Borong Empat Penghargaan di PR Indonesia Awards 2023 20 Maret 2023
33.
Pegadaian Wins Four Awards at the 2023 PR Indonesia Awards March 20, 2023
Ketok Palu: MA Tolak Kasasi Gugatan Hak Cipta Tabungan Emas Pegadaian
24 Maret 2023
34. Knock Palu: Supreme Court Rejects Cassation of Pegadaian Gold Savings Copyright
March 24, 2023
Lawsuit
Komisaris Utama Pegadaian Dinobatkan Sebagai Perempuan Inspiratif di Sektor
Pengembangan UMKM 27 Maret 2023
35.
President Commissioner of Pegadaian Named as an Inspirational Woman in the MSME March 27, 2023
Development Sector
Pegadaian Borong Penghargaan di Ajang Digitech Award 2023 30 Maret 2023
36.
Pegadaian Wins Awards at the 2023 Digitech Award Event March 30, 2023
Rayakan HUT Ke-122 Pegadaian Ajak “Bersatu Tumbuh Bersama” 1 April 2023
37.
Celebrating Pegadaian's 122nd Anniversary Invites "United to Grow Together" April 1, 2023
PT Pegadaian | 2023 Annual Report 615
Page 616
Tata Kelola Perusahaan
Corporate Governance
Judul Press Release Tanggal
No
Press Release Title Date
HUT ke-122, Begini Sejarah Pegadaian Era Pra Kemerdekaan 4 April 2023
38.
122nd Anniversary, This is the History of Pawnshops in the Pre-Independence Era April 4, 2023
Ramaikan Safari Ramadhan BUMN, Pegadaian Gelar Pasar Murah 4 Apri 2023
39.
Enliven BUMN's Ramadhan Safari, Pegadaian Holds Cheap Market April 4, 2023
Rayakan HUT Ke-122 Pegadaian, Ikatan Istri Karyawan Pegadaian Manfaatkan Momen
Berbagi ke Panti Asuhan 6 April 2023
40.
Celebrating Pegadaian's 122nd Anniversary, Pegadaian Employee Wives Association Takes April 6, 2023
Advantage of Sharing Moment at Orphanage
Dukung UMKM Naik Kelas, Pegadaian dan PNM Gelar Bazar UMKM untuk Indonesia 6 April 2023
41.
Supporting MSMEs to Upgrade, Pegadaian and PNM Hold an MSME Bazaar for Indonesia April 6, 2023
Libur Lebaran, Pegadaian Ajak Masyarakat Optimalkan Layanan Digital 17 April 2023
42.
Eid Holidays, Pegadaian Invites People to Optimize Digital Services April 17, 2023
Mudik Gratis Aman dan Nyaman Bersama Pegadaian 18 April 2023
43.
Safe and Comfortable Free Homecoming with Pegadaian April 18, 2023
Yuk, Sulap Sisa THR dan Angpao Lebaran Jadi Aset Masa Depan 27 April 2023
44.
Come on, turn leftover THR and Eid red envelopes into future assets April 27, 2023
Wow, Tutup Triwulan I Laba Pegadaian Tembus Rp 1 T 8 Mei 2023
45.
Wow, Close the First Quarter, Pawnshop's Profit Reaches IDR 1 T May 8, 2023
Pegadaian Raih Penghargaan Indonesia Sharia Finance Award 2023 11 Mei 2023
46.
Pegadaian Wins the 2023 Indonesia Sharia Finance Award May 11, 2023
Pegadaian Dukung acara Dekranas 2023 tentang UMKM (medan) 17 Mei 2023
47.
Pegadaian Supports 2023 National Dekranas event on MSMEs (Medan) May 17, 2023
Pegadaian Luncurkan Obligasi dan sukuk 16 Mei 2023
48.
Pegadaian Launches Bonds and Sukuk May 16, 2023
Bantu Cukupi Stok Darah PMI, Insan Pegadaian Ramai-ramai Donor 19 Mei 2023
49.
Helping to replenish PMI's blood stock, Pawnshop people are flocking to donate May 19, 2023
Pegadaian Bantu Pelaku Usaha Disabilitas Kembangkan Usaha 22 Mei 2023
50.
Pegadaian Helps Disabled Entrepreneurs Develop Their Business May 22, 2023
Pegadaian-ISEI Dorong Bisnis Mahasiswa Siap Mendunia 23 Mei 2023
51.
Pegadaian-ISEI Encourages Student Businesses to Be Ready to Go Global May 23, 2023
Ajak Mahasiswa Tumbuh Kreatif, Pegadaian Resmikan The Gade Creative Lounge
Universitas Andalas 24 Mei 2023
52.
Inviting Students to Grow Creatively, Pegadaian Inaugurates The Gade Creative Lounge, May 24, 2023
Andalas University
TIPS MENGHINDARI PENIPUAN BERKEDOK REKRUTMEN KARYAWAN PT PEGADAIAN
26 Mei 2023
53. TIPS FOR AVOIDING FRAUD UNDER THE guise of PT PEGADAIAN EMPLOYEE
May 26, 2023
RECRUITMENT
Pegadaian Gelar Pelatihan untuk Mengembangkan UMKM Nasional 31 Mei 2023
54.
Pegadaian Holds Training to Develop National MSMEs May 31, 2023
Pengen Jadi Karyawan PT Pegadaian, Simak Informasi Lowongan Berikut Ini
1 Juni 2023
55. If you want to become a PT Pegadaian employee, check out the following vacancy
June 1, 2023
information
Pegadaian Gandeng Plustik Daur Ulang 1 Ton Sampah Plastik 6 Juni 2023
56.
Pegadaian Collaborates with Plustik to Recycle 1 Ton of Plastic Waste June 6, 2023
Erick Thohir Dukung Edukasi Pengolahan Sampah untuk Masyarakat Kota Surakarta
melalui Workshop BUMN Environmental Movement 6 Juni 2023
57.
Erick Thohir Supports Waste Management Education for Surakarta City Communities June 6, 2023
through BUMN Environmental Movement Workshop
Dinilai Konsisten Mempraktekkan Keselarasan Program CSR dan Strategi Bisnis, Pegadaian
Raih Penghargaan TOP CSR Awards 2023 8 Juni 2023
58.
Assessed to Consistently Practice Alignment of CSR Programs and Business Strategy, June 8, 2023
Pegadaian Wins TOP CSR Awards 2023
Pegadaian Ajak Warga Warga Desa Madani MengEMASkan Sampah 9 Juni 2023
59.
Pegadaian Invites Residents of Madani Villages to PICK UP Trash June 9, 2023
616 Laporan Tahunan 2023 | PT Pegadaian
Page 617
Judul Press Release Tanggal
No
Press Release Title Date
Mau Jadi Pegawai Pegadaian? Simak Lowongan Kerja Berikut Ini 10 Juni 2023
60.
Want to be a pawnshop employee? Check out the following job vacancies June 10, 2023
Pengen Punya Kendaraan Listrik Impian, Bisa ke Pegadaian Lho! 14 Juni 2023
61.
If you want to have your dream electric vehicle, you can go to a pawn shop! June 14, 2023
Keren, Bank Sampah Binaan Pegadaian Raih Penghargaan dari KLHK 15 Juni 2023
62.
Cool, Pegadaian's Waste Bank Wins Award from KLHK June 15, 2023
Pegadaian Jadi Sponsor Utama Bimasakti Racing Team UGM Untuk Berlaga di Italia
20 Juni 2023
63. Pegadaian Becomes the Main Sponsor of the UGM Bimasakti Racing Team to Compete in
June 20, 2023
Italy
Indonesia-Argentina Berlaga, Pegadaian Bersih-bersih Sampahnya 20 Juni 2023
64.
Indonesia-Argentina Compete, Pegadaian Cleans Up Trash June 20, 2023
Pegadaian dan BAZNAS Beri Kemudahan Layanan Berzakat, Infak, Sedekah dan
21 Juni 2023
65. Berkurban
June 21, 2023
Pegadaian and BAZNAS provide easy services for zakat, donations, alms and sacrifice
Bidik Nasabah Prioritas, Pegadaian dan BRI Jalin Kerjasama Tawarkan Produk Unggulan 22 Juni 2023
66.
Targeting Priority Customers, Pegadaian and BRI Collaborate to Offer Superior Products June 22, 2023
Sah! Hasil RUPS Tahunan Pegadaian Punya Susuran Direksi Baru 23 Juni 2023
67.
Legitimate! Pegadaian's Annual GMS Results Have New Board of Directors June 23, 2023
Peringati Hari Lingkungan Hidup, Pegadaian Luncurkan Aplikasi Digital Bank Sampah 24 Juni 2023
68.
Commemorating Environment Day, Pegadaian Launches Digital Waste Bank Application June 24, 2023
Pegadaian dan Pemkab Tulungagung Luncurkan Program The Gade Integrated Farming
27 Juni 2023
69. Pegadaian and Tulungagung Regency Government Launch The Gade Integrated Farming
June 27, 2023
Program
Libur Panjang Idul Adha, Nasabah Pegadaian Tetap Bisa Bertransaksi Melalui Smartphone
28 Juni 2023
70. Long Idul Adha Holiday, Pawnshop Customers Can Still Make Transactions Via
June 28, 2023
Smartphone
Wow, Lebih 2000 UMKM Berminat Ikuti Program Pengembangan dari Pegadaian
28 Juni 2023
71. Wow, more than 2000 MSMEs are interested in participating in Pegadaian's development
June 28, 2023
program
Top! Pegadaian Kembali Meraih Predikat “Best Company to Work di Asia” 30 Juni 2023
72.
Top! Pegadaian Again Achieves the Title of "Best Company to Work in Asia" June 30, 2023
Pegadaian Berkurban Salurkan 774 Ekor di Seluruh Indonesia 2 Juli 2023
73.
Qurbani Pawnshop Distributes 774 Animals Throughout Indonesia July 2, 2023
Agile Dalam Transformasi Digital, Pegadaian Raih Penghargaan SPEx2® DX Award 2023 7 Juli 2023
74.
Agile in Digital Transformation, Pegadaian Wins SPEx2® DX Award 2023 July 7, 2023
Ajak UMKM Bersatu Tumbuh Bersama, Pegadaian Luncurkan GadePreneur 11 Juli 2023
75.
Inviting MSMEs to Unite to Grow Together, Pegadaian Launches GadePreneur July 11, 2023
Pegadaian Bersama TNI Al dan Intani Tingkatkan Ekonomi Masyarakat Pesisir Muara
Gembong 16 Juli 2023
76.
Pegadaian Together with TNI Al and Intani Improve the Economy of the Muara Gembong July 16, 2023
Coastal Community
Selamat! Ini Dia Juara Lomba Karya Jurnalistik IJTI-Pegadaian 2023 18 Juli 2023
77.
Happy! These are the winners of the 2023 IJTI-Pegadaian Journalism Competition July 18, 2023
Pegadaian Ajak Masyarakat Palembang Sulap Sampah Jadi Emas 19 Juli 2023
78.
Pegadaian Invites Palembang Residents to Turn Waste into Gold July 19, 2023
Pegadaian Ikut Bersih-bersih Pantai Melawai Balikpapan melalui BUMN Environmental
Movement 24 Juli 2023
79.
Pegadaian Participates in Cleaning Melawai Beach in Balikpapan through the BUMN July 24, 2023
Environmental Movement
Waspada! Penipuan Mengatasnamakan Undian Badai Emas Pegadaian 25 Juli 2023
80.
Alert! Fraud in the name of Pawnshop's Golden Storm Lottery July 25, 2023
Kinerja Pegadaian Semester I 2023 Semakin Berkilau 25 Juli 2023
81.
Pegadaian's performance in semester I 2023 is getting brighter July 25, 2023
Pegadaian berhasil meraih HR Excellence Award 2023 26 Juli 2023
82.
Pegadaian succeeded in winning the 2023 HR Excellence Award July 26, 2023
PT Pegadaian | 2023 Annual Report 617
Page 618
Tata Kelola Perusahaan
Corporate Governance
Judul Press Release Tanggal
No
Press Release Title Date
Pegadaian Raih Dua Penghargaan di Ajang CSR Outlook 2023 27 Juli 2023
83.
Pegadaian Wins Two Awards at the 2023 CSR Outlook Event July 27, 2023
Dukung Kegiatan BUMN Environmental Movement, Pegadaian Ajak Masyarakat Medan
Bersih-bersih Sungai 30 Juli 2023
84.
Supporting the activities of the BUMN Environmental Movement, Pegadaian Invites the July 30, 2023
Medan Community to Clean the River
Unjuk Bakat dan Talenta, Band Pegadaian Raih Juara 3 di Ajang BUMN Fest 2023 31 Juli 2023
85.
Showing Talent and Talent, Pegadaian Band Wins 3rd Place at BUMN Fest 2023 July 31, 2023
Sukses! Pegadaian Media Awards 2023 Bertabur Hadiah Bagi Insan Media 2 Agustus 2023
86.
Success! Pegadaian Media Awards 2023 is studded with prizes for media people August 2, 2023
Mau Ikut Program Magang MAGENTA di Pegadaian? Simak Informasinya Yuk!
3 Agustus 2023
87. Want to take part in the MAGENTA Internship Program at Pegadaian? Come on, check out
August 3, 2023
the information!
Memiliki Reputasi Baik, Pegadaian Raih Penghargaan Corporate Reputation Awards 2023 6 Agustus 2023
88.
Having a Good Reputation, Pegadaian Wins the 2023 Corporate Reputation Awards August 6, 2023
Jangan Asal Transfer! Pegadaian Himbau Masyarakat Untuk Hati-hati 8 Agustus 2023
89.
Don't Just Transfer! Pegadaian Urges People to Be Careful August 8, 2023
8 BUMN Kolaborasi Lakukan Pengelolaan Sampah di Mandalika Melalui Bank Sampah Putri
Nyale 9 Agustus 2023
90.
8 BUMN collaborate to carry out waste management in Mandalika through the Putri Nyale August 9, 2023
Waste Bank
Ada Info Loker di Pegadaian, Simak Informasinya! 10 Agustus 2023
91.
There is information about lockers at Pegadaian, check out the information! August 10, 2023
Pegadaian Bersama Millenial dan Masyarakat Kota Makassar Berhasil Kumpulkan 708 Kg
Sampah di Pantai Tanjung Bayang 14 Agustus 2023
92.
Pegadaian Together with Millennials and the Community of Makassar City Successfully August 14, 2023
Collected 708 Kg of Trash at Tanjung Bayang Beach
Saatnya Merdeka Finansial dengan Emas Bersama Pegadaian 16 Agustus 2023
93.
It's time to be financially independent with gold with Pegadaian August 16, 2023
Dukung Pelaku Usaha Kreatif, Pegadaian Berkolaborasi dan TULOLA Hadirkan Kawan
Nusantara 17-28 Agustus 2023
94.
Supporting Creative Business Actors, Pegadaian Collaborates and TULOLA Presents August 17-28, 2023
Kawan Nusantara
Pegadaian Komitmen Menuntaskan Kasus Karyawan Pegadaian di Cabang Rantepao
18 Agustus 2023
95. Pegadaian is Committed to Resolving Cases of Pegadaian Employees in the Rantepao
August 18, 2023
Branch
Meriahkan HUT Kemerdekaan ke-78 RI, Pegadaian Gelar Panjat Pinang EMAS di Aliran
Kalimalang 19 Agustus 2023
96.
Celebrating the 78th Independence Day of the Republic of Indonesia, Pegadaian Holds August 19, 2023
GOLD Pinang Climbing in the Kalimalang Stream
Pegadaian Peduli Generasi Emas Paskibraka 2023 21 Agustus 2023
97.
Pegadaian Cares for the Golden Generation of Paskibraka 2023 August 21, 2023
Tabungan Emas Pegadaian Kini Dapat Diakses Melalui Aplikasi One Mobile Milik Bank
OCBC NISP 23 Agustus 2023
98.
Pegadaian Gold Savings Can Now Be Accessed Through Bank OCBC NISP's One Mobile August 23, 2023
Application
Pengen Kerja di Pegadaian? Simak Informasi Berikut Ini! 24 Agustus 2023
99.
Want to work at a pawnshop? Check out the following information! August 24, 2023
Pegadaian Berangkatkan 145 Karyawan Dengan Kinerja Terbaik untuk Wisata Religi 26 Agustus 2023
100.
Pegadaian Departs 145 Employees with the Best Performance for Religious Tourism August 26, 2023
Pegadaian Wujudkan Mimpi Travelling ke Tempat Impian, dengan Pinjaman Multiguna
Wisata 01 September 2023
101.
Pegadaian Makes Dreams of Traveling to Dream Places Come True, with Multipurpose September 01, 2023
Travel Loans
618 Laporan Tahunan 2023 | PT Pegadaian
Page 619
Judul Press Release Tanggal
No
Press Release Title Date
TUMPAS HOAX, PEGADAIAN WANTI-WANTI MASYARAKAT UNTUK TIDAK PERCAYA
PENIPUAN MENCATUT NAMA DIREKSI 01 September 2023
102.
OVERCOMING HOAXES, Pawnshop WANTS THE PUBLIC NOT TO BELIEVE IN FRAUDS September 01, 2023
USING THE NAME OF THE BOARD OF DIRECTORS
Pegadaian Resmi Jadi Sponsor Utama “Pegadaian Liga 2 Musim 2023/2024” 5 September 2023
103.
Pegadaian Officially Becomes Main Sponsor of "Pegadaian Liga 2 Season 2023/2024" September 5, 2023
Tingkatkan Kepedulian Masyarakat Terhadap Lingkungan, Pegadaian Kick Off Program
Clean and Gold Movement 8 September 2023
104.
Increasing Community Awareness of the Environment, Pegadaian Kicks Off the Clean and September 8, 2023
Gold Movement Program
Kick-off Pegadaian Liga 2 Dimulai, Mari Bersama MengEMASkan Indonesia 10 September 2023
105.
Pegadaian League 2 Kick-off Begins, Let's Make Indonesia GOLD Together September 10, 2023
The Gade Creative Lounge Hadir di Universitas Mulawarman Untuk Mencetak Generasi
Emas 12 September 2023
106.
The Gade Creative Lounge is Present at Mulawarman University to Create a Golden September 12, 2023
Generation
Pegadaian Umumkan Pemenang Undian Pegadaian Poin 2023 Periode Pertama 19 September 2023
107.
Pegadaian Announces Winners of 2023 First Period Pawnshop Points Draw September 19, 2023
Pegadaian Ajak Gen-Z melek Finansial Melalui Web Series “Ali yang Terheran Herman”
19 September 2023
108. Pegadaian Invites Gen-Z to be Financially Literate Through the Web Series "Ali Who
September 19, 2023
Surprised Herman"
Dukung Pengembangan Kreativitas Mahasiswa, Pegadaian Meresmikan The Gade Creative
Lounge ke-14 di UNJ 20 September 2023
109.
Supporting the Development of Student Creativity, Pegadaian Inaugurates the 14th The September 20, 2023
Gade Creative Lounge at UNJ
Humas Pegadaian Raih Penghargaan Top 50 Kartini Humas Indonesia 24 September 2023
110.
Pegadaian Public Relations Wins Top 50 Indonesian Public Relations Kartini Award September 24, 2023
Dorong Transformasi Digital di Sektor Mikro, Pegadaian Raih Penghargaan Prominent
Award 2023 25 September 2023
111.
Encouraging Digital Transformation in the Micro Sector, Pegadaian Wins the 2023 September 25, 2023
Prominent Award
Melayani Nasabah Dengan Sepenuh Hati, Pegadaian Borong 5 Penghargaan di Ajang The
Best Contact Center Indonesia 2023 27 September 2023
112.
Serving Customers Wholeheartedly, Pegadaian Wins 5 Awards at The Best Contact Center September 27, 2023
Indonesia 2023
Fokus Dukung Perekonomian Indonesia, Pegadaian Raih Penghargaan Indonesia Best
BUMN Awards 2023 28 September 2023
113.
Focusing on Supporting the Indonesian Economy, Pegadaian Wins the 2023 Indonesia September 28, 2023
Best BUMN Awards
Pegadaian Raih The Best State Owned Enterprise 2023 Sebagai Agen Pertumbuhan
Ekonomi Indonesia 29 September 2023
114.
Pegadaian Wins The Best State Owned Enterprise 2023 as an Agent for Indonesian September 29, 2023
Economic Growth
Serikat Pekerja Pegadaian Gelar Tasyakuran HUT ke-23 dengan Tema "Disruption Agility”
02 Oktober 2023
115. Pegadaian Workers Union Holds 23rd Anniversary Celebration with the Theme "Disruption
October 2, 2023
Agility"
Terapkan Nilai Adaptif dan Kolaboratif, Influencers BUMN ‘Kongkow’ Bareng di
Yogyakarta! 04 Oktober 2023
116.
Applying Adaptive and Collaborative Values, BUMN Influencers 'Kongkow' Together in October 4, 2023
Yogyakarta!
Holding Ultra Mikro BRI, Pegadaian dan PNM Ajak UMKM Bersatu Tumbuh Bersama Untuk
Naik Kelas 07 Oktober 2023
117.
Ultra Micro Holding BRI, Pegadaian and PNM Invite MSMEs to Unite to Grow Together to October 7,2023
Upgrade
Butuh Hiburan Seru, Bertabur Hadiah? Yuk Ke Pekan Raya Pegadaian! 09 Oktober 2023
118.
Need fun entertainment, filled with prizes? Come on to the Pawn Shop Fair! October 9, 2023
Siap-siap! Wirausaha Muda akan Lahir Lewat Program TGSC 10 Oktober 2023
119.
Get ready! Young Entrepreneurs will be Born through the TGSC Program October 10, 2023
PT Pegadaian | 2023 Annual Report 619
Page 620
Tata Kelola Perusahaan
Corporate Governance
Judul Press Release Tanggal
No
Press Release Title Date
Hadir di Kustomfest 2023, Pegadaian Dukung Kepemilikan Sepeda Motor Listrik 10 Oktober 2023
120.
Present at Kustomfest 2023, Pegadaian supports electric motorbike ownership October 10, 2023
Dukung UMKM Naik Kelas, Pegadaian Ajak UMKM Binaan Pamer Produk Kreatif di Inacraft
11 Oktober 2023
121. Supporting MSMEs to advance to class, Pegadaian Invites Fostered MSMEs to Show off
October 11, 2023
Creative Products on Inacraft
Wow! Sukses Bertransformasi, Pegadaian Catat Laba Rp3,2 T di Kuartal III/2023 11 Oktober 2023
122.
Wow! Successful Transformation, Pegadaian Records Profit of Rp3.2 T in Quarter III/2023 October 11, 2023
Jamaah…ohh..Jamaah! Peringati Maulid Nabi, Ustad Maulana Beri Siraman Rohani di
Pegadaian 18 Oktober 2023
123.
Congregation...ohh..Congregation! Commemorating the Prophet's birthday, Ustad Maulana October 18, 2023
gave a spiritual shower at the pawn shop
Berbagi Cerita Tentang Transformasi Perusahaan, Pegadaian Terima Kunjungan dari MM
FEB UI & Participant Global Network Week 2023 19 Oktober 2023
124.
Sharing Stories About Company Transformation, Pegadaian Receives a Visit from MM FEB October 19, 2023
UI & Participant Global Network Week 2023
Raih Penghargaan di Jambore PR Indonesia 2023, Ini dia yang dilakukan PT Pegadaian 2 November 2023
125.
Winning an Award at the 2023 PR Indonesia Jamboree, this is what PT Pegadaian did November 2, 2023
Dukung Kreativitas Anak Muda Indonesia, Pegadaian Resmikan The Gade Creative Lounge
di UNHAS 5 November 2023
126.
Supporting the Creativity of Indonesian Young People, Pegadaian Inaugurates The Gade November 5, 2023
Creative Lounge at UNHAS
Siap-siap! Pegadaian Akan Gelar Gathering Bank Sampah di Kota Padang 7 November 2023
127.
Get ready! Pegadaian Will Hold a Waste Bank Gathering in Padang City November 7, 2023
Ayo Cermat Sebelum Terlambat, Waspada Penipuan Mengatasnamakan Pegadaian 8 November 2023
128.
Come on, be careful before it's too late, beware of fraud in the name of pawnshops November 8, 2023
Sukses Lakukan Terobosan Inovasi Digital, Pegadaian Borong Penghargaan di Ajang
Indonesia Digital Innovation and Achievement Awards 2023 9 November 2023
129.
Successfully Carrying Out Digital Innovation Breakthroughs, Pegadaian Wins Awards at November 9, 2023
the 2023 Indonesia Digital Innovation and Achievement Awards
Gigih Ciptakan Lingkungan Bersih, Pegadaian Beri Penghargaan Untuk Bank Sampah
Binaan Terbaik Se-Indonesia 10 November 2023
130.
Persistent in Creating a Clean Environment, Pegadaian Gives Awards to the Best Waste November 10, 2023
Banks in Indonesia
Go International, Pegadaian Raih Penghargaan Global Corporate Sustainability Awards
(GCSA) di Taiwan 16 November 2023
131.
Going International, Pegadaian Wins Global Corporate Sustainability Awards (GCSA) in November 16, 2023
Taiwan
17 BUMN Resmikan Program BUMN TEMAN BERSENYUM di Temanggung 19 November 2023
132.
17 BUMNs Launch BUMN TEMAN BERSIUM Program in Temanggung November 19, 2023
Dukung UMKM Naik Kelas, Pegadaian Raih Penghargaan di Harvesting Ceremony Gernas
BBI-BBW 21 November 2023
133.
Supporting MSMEs to Upgrade, Pegadaian Wins Award at Gernas BBI-BBW Harvesting November 21, 2023
Ceremony
Pegadaian Resmikan The Gade Tower Berkonsep Green Building 27 November 2023
134.
Pegadaian Inaugurates The Gade Tower with a Green Building Concept November 27, 2023
Direktur Keuangan dan Perencanaan Strategis Pegadaian Raih CFO Award 2023 29 November 2023
135.
Pegadaian's Director of Finance and Strategic Planning Wins 2023 CFO Award November 29, 2023
Pegadaian Dan Alunjiva Indonesia Peduli Pemberdayaan Disabilitas Untuk Indonesia
Inklusif 29 November 2023
136.
Pegadaian and Alunjiva Indonesia Care about Empowering Disabilities for an Inclusive November 29, 2023
Indonesia
Berkontribusi Untuk Ekonomi Berkelanjutan, Pegadaian Raih 2 Penghargaan Bisnis
Indonesia TOP BUMN Awards 2023 1 Desember 2023
137.
Contributing to a Sustainable Economy, Pegadaian Wins 2 Indonesian Business Awards December 1, 2023
TOP BUMN Awards 2023
620 Laporan Tahunan 2023 | PT Pegadaian
Page 621
Judul Press Release Tanggal
No
Press Release Title Date
Peduli Kesejahteraan Masyarakat, Pegadaian Impact Festival Hadir di Cimahi &
Banyuwangi 20 Desember 2023
138.
Caring about Community Welfare, Pegadaian Impact Festival Presents in Cimahi & December 20, 2023
Banyuwangi
Konsisten Terapkan Tata Kelola Perusahaan yang baik, PT Pegadaian Raih Penghargaan
The Most Trusted Company di Indonesia 21 Desember 2023
139.
Consistently implementing good corporate governance, PT Pegadaian won the Most December 21, 2023
Trusted Company award in Indonesia
Sukses Go International, TJSL Pegadaian Berbagi Pengalaman Bersama Sobat BUMN 22 Desember 2023
140.
Successfully Going International, TJSL Pegadaian Shares Experiences with BUMN Friends December 22, 2023
Pegadaian Dukung Potensi Agen Melalui Peluncuran Buku “Agen Mental Juara”
22 Desember 2023
141. Pegadaian Supports Agent Potential Through the Launch of the Book "Champion Mental
December 22, 2023
Agent"
Korespondensi dan Laporan Berkala Correspondence and Periodic Report
Informasi keuangan dan non keuangan dari Perseroan Financial and non-financial information from
telah disusun dan dilaporkan secara transparan the Company has been compiled and reported
kepada pemegang saham, pemangku kepentingan transparently to shareholders, stakeholders and
dan lembaga lain yang dipersyaratkan. Informasi other required institutions. Information is reported
dilaporkan sesuai target waktu, tersajikan dengan according to the time target, presented completely
lengkap dan akurat, terkini, utuh dan memadai sesuai and accurately, up to date, intact and adequate in
dengan tata cara, jenis dan cakupan sebagaimana accordance with the procedure, type and scope as
diatur dalam ketentuan tentang Transparansi Kondisi stipulated in the provisions concerning Transparency
Keuangan Perseroan. Informasi dipaparkan melalui of the Company’s Financial Conditions. Information is
laporan berupa: presented through reports in the form of:
• Laporan Tahunan; • Annual Report;
• Laporan Semesteran; • Semester Report;
• Laporan Triwulanan; • Quarterly Report;
• Laporan Bulanan; dan • Monthly Report; and
• Laporan Insidentil • Incidental Report
Di bawah ini disajikan korespondensi Perseroan Below is presented the Company’s correspondence
dengan Kementerian BUMN sebagai Pemegang with the Ministry of SOEs as Shareholders, the
Saham, Bursa Efek Indonesia, Otoritas Jasa Keuangan, Indonesia Stock Exchange, the Financial Services
serta pemangku kepentingan dan lembaga terkait Authority, as well as other relevant stakeholders and
lainnya selama tahun 2023: institutions, during 2023.
Tujuan Pelaporan
Perihal Pedoman Laporan (Instansi)
No Reporting
Subject Report Guidelines
Purpose
(Institution)
Laporan Penunjukan Akuntan Peraturan Otoritas Jasa Keuangan Nomor 9 Tahun 2023 tentang
Publik dan/atau Kantor Akuntan Penggunaan Jasa Akuntan Publik dan Kantor Akuntan Publik
Publik dalam Kegiatan Jasa Keuangan OJK
1
Report on the Appointment of a Financial Services Authority Regulation Number 9 of 2023 FSA
Public Accountant and/or Public concerning the Use of Public Accounting Services and Public
Accounting Firm Accounting Firm in Financial Services Activities
PT Pegadaian | 2023 Annual Report 621
Page 622
Tata Kelola Perusahaan
Corporate Governance
Tujuan Pelaporan
Perihal Pedoman Laporan (Instansi)
No Reporting
Subject Report Guidelines
Purpose
(Institution)
Laporan Hasil Evaluasi Komite
Audit Terhadap Pelaksanaan
Pemberian Jasa Audit oleh Peraturan Otoritas Jasa Keuangan Nomor 9 Tahun 2023 tentang
Akuntan Publik/Kantor Akuntan Penggunaan Jasa Akuntan Publik dan Kantor Akuntan Publik
Publik dalam Kegiatan Jasa Keuangan OJK
2
Audit Committee Evaluation Financial Services Authority Regulation Number 9 of 2023 FSA
Results Report on the concerning the Use of Public Accounting Services and Public
Implementation of Audit Services Accounting Firm in Financial Services Activities
by Public Accountants/Public
Accounting Firm
Direktorat
SPT Tahunan PPH Badan (PPH
Undang-Undang Nomor 36 Tahun 2008 tentang Pajak Jenderal Pajak
Pasal 25/29)
3 Penghasilan Pasal 25/29 Directorate
Annual Corporate Income Tax
Law Number 36 of 2008 concerning Income Tax Article 25/29 General of
Return (PPH Article 25/29)
Taxation
Laporan penilaian sendiri
Peraturan Otoritas Jasa Keuangan Nomor 6 /POJK.07/ 2022
terhadap pemenuhan ketentuan
tentang Perlindungan Konsumen dan Masyarakat di Sektor Jasa
Perlindungan Konsumen dan
Keuangan OJK
4 Masyarakat
Financial Services Authority Regulation Number 6 /POJK.07/ FSA
Self-assessment report on
2022 concerning Consumer and Public Protection in the
compliance with Consumer and
Financial Services Sector
Community Protection provisions
Laporan Manajemen dan Hasil
Pengawasan Penyedia Jasa Peraturan Bank Indonesia Nomor 23/6/PBI/2021 tentang
Pembayaran Penyedia Jasa Pembayaran
5 Bank Indonesia
Management Report and Bank Indonesia Regulation Number 23/6/PBI/2021 concerning
Supervision Results of Payment Payment Service Providers
Service Providers
Laporan Rencana Pelaksanaan Peraturan Bank Indonesia Nomor 22/20/PBI/2020 tentang
Edukasi Transfer Dana Perlindungan Konsumen Bank Indonesia
6 Bank Indonesia
Fund Transfer Education Bank Indonesia Regulation Number 22/20/PBI/2020 concerning
Implementation Plan Report Bank Indonesia Consumer Protection
Laporan Pelaksanaan Edukasi Peraturan Bank Indonesia Nomor 22/20/PBI/2020 tentang
Transfer Dana Perlindungan Konsumen Bank Indonesia
7 Bank Indonesia
Fund Transfer Education Bank Indonesia Regulation Number 22/20/PBI/2020 concerning
Implementation Report Bank Indonesia Consumer Protection
Peraturan Bank Indonesia Nomor 23/6/PBI/2021 tentang
Laporan Tahunan Sistem
Penyedia Jasa Pembayaran
8 Pembayaran Bank Indonesia
Bank Indonesia Regulation Number 23/6/PBI/2021 concerning
Payment Systems Annual Report
Payment Service Providers
Peraturan Menteri Badan Usaha Milik Negara Republik Indonesia
Laporan Hasil Penilaian Penerapan
Nomor Per-2/MBU/03/2023 Tentang Pedoman Tata Kelola dan
Good Corporate Governance
Kegiatan Korporasi Signifikan Badan Usaha Milik Negara Kementerian
(GCG)
9 Regulation of the Minister of State-Owned Enterprises of the BUMN
Report on Assessment Results
Republic of Indonesia Number Per-2/MBU/03/2023 concerning Ministry of SOE
of the Implementation of Good
Guidelines for Governance and Significant Corporate Activities
Corporate Governance (GCG)
of State-Owned Enterprises
Peraturan Bank Indonesia Nomor 19/10/PBI/2017 tentang
Penerapan Anti Pencucian Uang dan Pencegahan Pendanaan
Terorisme Bagi Penyelenggara Jasa Sistem Pembayaran Selain
Laporan Penerapan Program APU Bank dan Penyelenggara Kegiatan Usaha Penukaran Valuta
PPT Asing Bukan Bank
10 Bank Indonesia
APU PPT Program Bank Indonesia Regulation Number 19/10/PBI/2017 concerning
Implementation Report Implementation of Anti-Money Laundering and Prevention of
Terrorism Financing for Non-Bank Payment System Service
Providers and Non-Bank Foreign Exchange Business Activity
Organizers
622 Laporan Tahunan 2023 | PT Pegadaian
Page 623
Tujuan Pelaporan
Perihal Pedoman Laporan (Instansi)
No Reporting
Subject Report Guidelines
Purpose
(Institution)
Peraturan Otoritas Jasa Keuangan Nomor 8 Tahun 2023
Tentang Penerapan Program Anti Pencucian Uang, Pencegahan
Pendanaan Terorisme di Sektor Jasa Keuangan, dan Pencegahan
Laporan Rencana Pengkinian Data
Pendanaan Proliferasi Senjata Pemusnah Massal
Nasabah OJK
11 Financial Services Authority Regulation Number 8 of 2023
Customer Data Update Plan FSA
concerning Implementation of Anti-Money Laundering
Report
Programs, Prevention of Terrorism Financing in the Financial
Services Sector, and Prevention of Funding for the Proliferation
of Weapons of Mass Destruction
Peraturan Otoritas Jasa Keuangan Nomor 8 Tahun 2023
Tentang Penerapan Program Anti Pencucian Uang, Pencegahan
Pendanaan Terorisme di Sektor Jasa Keuangan, dan Pencegahan
Laporan Realisasi Pengkinian Data
Pendanaan Proliferasi Senjata Pemusnah Massal
Nasabah OJK
11 Financial Services Authority Regulation Number 8 of 2023
Customer Data Update FSA
concerning Implementation of Anti-Money Laundering
Realization Report
Programs, Prevention of Terrorism Financing in the Financial
Services Sector, and Prevention of Funding for the Proliferation
of Weapons of Mass Destruction
Peraturan Otoritas Jasa Keuangan Nomor 24/POJK.05/2019
Laporan Rencana Bisnis Tentang Rencana Bisnis Lembaga Jasa Keuangan Non Bank
OJK
12 Perusahaan Financial Services Authority Regulation Number 24/
FSA
Company Business Plan Report POJK.05/2019 concerning Business Plans for Non-Bank
Financial Services Institutions
Peraturan Otoritas Jasa Keuangan Nomor 24/POJK.05/2019
Laporan Rencana Bisnis Syariah
Tentang Rencana Bisnis Lembaga Jasa Keuangan Non Bank
Perusahaan OJK
13 Financial Services Authority Regulation Number 24/
Company Sharia Business Plan FSA
POJK.05/2019 concerning Business Plans for Non-Bank
Report
Financial Services Institutions
Peraturan Menteri Badan Usaha Milik Negara Nomor Per-
Laporan Rencana Kerja dan 21/MBU/2012 Tentang Pedoman Penerapan Akuntabilitas
Anggaran Perusahaan Keuangan Badan Usaha Milik Negara OJK
14
Company Work Plan and Budget Minister of State-Owned Enterprises Regulation Number Per-21/ FSA
Report MBU/2012 concerning Guidelines for Implementing Financial
Accountability of State-Owned Enterprises
Laporan Hasil Audit SIstem
Peraturan Bank Indonesia Nomor 23/6/PBI/2021 tentang
Informasi dan Pengujian
Penyedia Jasa Pembayaran
15 Keamanan Bank Indonesia
Bank Indonesia Regulation Number 23/6/PBI/2021 concerning
Report on Information System
Payment Service Providers
Audit Results and Security Testing
Peraturan Komisi Pemberantasan Korupsi Republik Indonesia
Nomor 2 Tahun 2020 Tentang Perubahan Atas Peraturan
Komisi Pemberantasan Korupsi Nomor 07 Tahun 2016 Tentang Komisi
Tata Cara Pendaftaran, Pengumuman, dan Pemeriksaan Harta Pemberantasan
Laporan Harta Kekayaan
Kekayaan Penyelenggara Negara Korupsi
16 Penyelenggara Negara
Republic of Indonesia Corruption Eradication Commission Corruption
State Officials' Wealth Report
Regulation Number 2 of 2020 concerning Amendment to the Eradication
Corruption Eradication Commission Regulation Number 07 of Commission
2016 concerning Procedures for Registration, Announcement
and Inspection of State Officials' Assets
Peraturan Otoritas Jasa Keuangan Nomor 29 /POJK.04/2016
Tentang Laporan Tahunan Emiten atau Perusahaan Publik
Laporan Tahunan
17 Financial Services Authority Regulation Number 29 / OJK
Annual Report
POJK.04/2016 concerning Annual Report of Issuer or Public
Company
PT Pegadaian | 2023 Annual Report 623
Page 624
Tata Kelola Perusahaan
Corporate Governance
Tujuan Pelaporan
Perihal Pedoman Laporan (Instansi)
No Reporting
Subject Report Guidelines
Purpose
(Institution)
Laporan Rencana Kegiatan dalam
Rangka Meningkatkan Literasi dan Peraturan Otoritas Jasa Keuangan Nomor 3 Tahun 2023 Tentang
Inklusi Keuangan bagi Konsumen Peningkatan Literasi dan Inklusi Keuangan di Sektor Jasa
dan Masyarakat Keuangan bagi Konsumen dan Masyarakat
18 OJK
Report on Activity Plans to Financial Services Authority Regulation Number 3 of 2023
Increase Literacy and Financial concerning Increasing Financial Literacy and Inclusion in the
Inclusion for Consumers and the Financial Services Sector for Consumers and the Community
Community
Laporan Realisasi Kegiatan dalam
Rangka Meningkatkan Literasi dan Peraturan Otoritas Jasa Keuangan Nomor 3 Tahun 2023 Tentang
Inklusi Keuangan bagi Konsumen Peningkatan Literasi dan Inklusi Keuangan di Sektor Jasa
dan Masyarakat Keuangan bagi Konsumen dan Masyarakat
19 OJK
Report on the Realization of Financial Services Authority Regulation Number 3 of 2023
Activities to Increase Literacy and concerning Increasing Financial Literacy and Inclusion in the
Financial Inclusion for Consumers Financial Services Sector for Consumers and the Community
and the Community
Laporan Rencana Kerja dan Peraturan Menteri Badan Usaha Milik Negara Nomor Per-18/
Anggaran Tanggung Jawab Sosial MBU/10/2014 Tentang Penyampaian Data, Laporan, dan
Kementerian
dan Lingkungan Dokumen Badan Usaha Milik Negara Secara Elektronik
20 BUMN
Social and Environmental Regulation of the Minister of State-Owned Enterprises Number
Ministry of SOE
Responsibility Work Plan and Per-18/MBU/10/2014 concerning Electronic Submission of Data,
Budget Report Reports and Documents of State-Owned Enterprises
Peraturan Menteri Keuangan Republik Indonesia Nomor 190/
Penyampaian Risalah Rapat
PMK.02/2017 Tentang Tata Cara Pembayaran Penerimaan Direktorat
Umum Pemegang Saham
Negara Bukan Pajak dari Hasil Pengelolaan Kekayaan Negara Jenderal
Pengesahan Laporan Keuangan
yang Dipisahkan Anggaran
21 Submission of Minutes of
Regulation of the Minister of Finance of the Republic of
General Meeting of Shareholders
Indonesia Number 190/PMK.02/2017 concerning Procedures for Directorate
Ratification of Financial
Payment of Non-Tax State Revenue from Separated State Asset General of
Statements
Management Results Budget
Suku Dinas
Tenaga Kerja,
Transmigrasi
dan Energi Kota
Peraturan Daerah Nomor 6 Tahun 2004 tentang
Administrasi
Laporan Fasilitas Kesejahteraan Penyelenggaraan Fasilitas Kesejahteraan Pekerja/Buruh pada
Jakarta Pusat
Pekerja/Buruh Perusahaan di Wilayah DKI Jakarta
22 Central
Worker/Labourer Welfare Regional Regulation Number 6 of 2004 concerning the
Jakarta City
Facilities Report Implementation of Worker/Labor Welfare Facilities at
Administration
Companies in the DKI Jakarta Region
Department
of Manpower,
Transmigration
and Energy
624 Laporan Tahunan 2023 | PT Pegadaian
Page 625
Laporan Semesteran
Semester Report
Tujuan
Pelaporan
Perihal Pedoman Laporan (Instansi)
No
Subject Report Guidelines Reporting
Purpose
(Institution)
Peraturan Otoritas Jasa Keuangan Nomor 24/POJK.05/2019
Laporan Pengawasan Rencana
Tentang Rencana Bisnis Lembaga Jasa Keuangan Non Bank
Bisnis Perusahaan OJK
1 Financial Services Authority Regulation Number 24/
Company Business Plan FSA
POJK.05/2019 concerning Business Plans for Non-Bank
Monitoring Report
Financial Services Institutions
Peraturan Otoritas Jasa Keuangan Nomor 24/POJK.05/2019
Laporan Pengawasan Rencana
Tentang Rencana Bisnis Lembaga Jasa Keuangan Non Bank
Bisnis Syariah Perusahaan OJK
2 Financial Services Authority Regulation Number 24/
Company Sharia Business Plan FSA
POJK.05/2019 concerning Business Plans for Non-Bank
Monitoring Report
Financial Services Institutions
Peraturan Otoritas Jasa Keuangan Nomor 24/POJK.05/2019
Laporan Realisasi Rencana Bisnis
Tentang Rencana Bisnis Lembaga Jasa Keuangan Non Bank
Perusahaan OJK
3 Financial Services Authority Regulation Number 24/
Company Business Plan FSA
POJK.05/2019 concerning Business Plans for Non-Bank
Realization Report
Financial Services Institutions
Peraturan Otoritas Jasa Keuangan Nomor 24/POJK.05/2019
Laporan Realisasi Rencana Bisnis
Tentang Rencana Bisnis Lembaga Jasa Keuangan Non Bank
Syariah Perusahaan OJK
4 Financial Services Authority Regulation Number 24/
Company Sharia Business Plan FSA
POJK.05/2019 concerning Business Plans for Non-Bank
Realization Report
Financial Services Institutions
Peraturan Pencatatan Bursa Efek Indonesia (d/h PT Bursa
Efek Surabaya) no I.A.3 tentang Kewajiban Pelaporan Emiten
Bursa Efek
Laporan Keuangan Konsolidasi huruf A.df (terkait penyampaian laporan Keuangan Berkala)
Indonesia
5 Consolidated Financial Indonesian Stock Exchange Listing Regulations (formerly PT
Indonesia stock
Statements Bursa Efek Surabaya) no IA3 concerning Issuer Reporting
exchange
Obligations letter A.df (regarding the submission of Periodic
Financial Statements)
Peraturan X.K.2 tahun 2011 tentang Laporan Keuangan Berkala
Laporan Keuangan Konsolidasi
Emiten & Perusahaan Publik
6 Consolidated Financial OJK
Regulation XK2 of 2011 concerning Periodic Financial
Statements
Statements of Issuer & Public Company
Laporan Triwulanan
Quarterly Report
Tujuan Pelaporan
Perihal Pedoman Laporan (Instansi)
No
Subject Report Guidelines Reporting Purpose
(Institution)
Peraturan Bank Indonesia Nomor 23/6/PBI/2021
Laporan Keuangan Konsolidasi
Tentang Penyedia Jasa Pembayaran
1 Consolidated Financial Bank Indonesia
Bank Indonesia Regulation Number 23/6/PBI/2021
Statements
concerning Payment Service Providers
Laporan Penanganan dan
Peraturan Bank Indonesia nomor 22/20/PBI/2020 tentang
Penyelesaian Pengaduan
Perlindungan Konsumen Bank Indonesia
2 Konsumen Bank Indonesia
Bank Indonesia Regulation number 22/20/PBI/2020
Consumer Complaint Handling
concerning Bank Indonesia Consumer Protection
and Settlement Report
Peraturan Otoritas Jasa Keuangan Nomor 6 /POJK.07/
Laporan Pelayanan dan 2022 tentang Perlindungan Konsumen dan Masyarakat
Penyelesaian Pengaduan Nasabah di Sektor Jasa Keuangan OJK
3
Service Report and Customer Financial Services Authority Regulation Number 6 / FSA
Complaint Resolution POJK.07/ 2022 concerning Consumer and Public
Protection in the Financial Services Sector
PT Pegadaian | 2023 Annual Report 625
Page 626
Tata Kelola Perusahaan
Corporate Governance
Tujuan Pelaporan
Perihal Pedoman Laporan (Instansi)
No
Subject Report Guidelines Reporting Purpose
(Institution)
Peraturan Menteri BUMN No PER-18/MBU/10/2014
tentang Penyampaian Data, Laporan, dan Dokumen
Laporan Manajemen Perusahaan Badan Usaha Milik Negara secara Elektronik Kementerian BUMN
4
Company Management Report Minister of BUMN Regulation No PER-18/MBU/10/2014 Ministry of SOEs
concerning Electronic Submission of Data, Reports and
Documents of State-Owned Enterprises
Peraturan Kepala PPATK Nomor: PER-02/1.02/
Laporan Sistem Informasi PPATK/02/2014 tentang Sistem Informasi Pengguna
Pengguna Jasa Terpadu Jasa Terpadu
5 PPATK
Integrated Service User Regulation of the Head of PPATK Number: PER-02/1.02/
Information System Report PPATK/02/2014 concerning Integrated Service User
Information Systems
Peraturan Menteri Tenaga Kerja No. PER-04/MEN/1987
Laporan Kegiatan Panitia Pembina
tentang Panitia Pembina Keselamatan dan Kesehatan
Keselamatan & Kesehatan Kerja
Kerja serta Tata Cara Penunjukan Ahli Keselamatan Kerja Kementerian
(P2K3)
6 Minister of Manpower Regulation No. PER-04/MEN/1987 Ketenagakerjaan
Occupational Safety & Health
concerning the Occupational Safety and Health Ministry of Manpower
Advisory Committee Activity
Advisory Committee and Procedures for Appointing
Report (P2K3)
Occupational Safety Experts
Peraturan Badan Koordinasi Penanaman Modal RI
Nomor 5 Tahun 2021 Tentang Pedoman dan Tata Cara
Laporan Kegiatan Penanaman Pengawasan Perizinan Berusaha Berbasis Risiko
7 Modal Regulation of the Indonesian Investment Coordinating BKPM
Investment Activity Report Board Number 5 of 2021 concerning Guidelines and
Procedures for Supervising Risk-Based Business
Licensing
Peraturan Otoritas Jasa Keuangan Republik Indonesia
Nomor 30/POJK.05/2021 tentang Perubahan Kedua
atas Peraturan Otoritas Jasa Keuangan Republik
Indonesia Nomor 14/POJK.05/2020 Tentang Kebijakan
Countercyclical Dampak Penyebaran Coronavirus
Disease 2019 Bagi Lembaga Jasa Keuangan Non-Bank
Laporan Restrukturisasi
Regulation of the Financial Services Authority of the OJK
8 Pembiayaan
Republic of Indonesia Number 30/POJK.05/2021 FSA
Financing Restructuring Report
concerning the Second Amendment to the Regulation
of the Financial Services Authority of the Republic
of Indonesia Number 14/POJK.05/2020 concerning
Countercyclical Policy on the Impact of the Spread
of Coronavirus Disease 2019 for Non-Bank Financial
Services Institutions
Peraturan Menteri BUMN No PER-18/MBU/10/2014
Laporan Manajemen Tanggung
tentang Penyampaian Data, Laporan, dan Dokumen
Jawab Sosial dan Lingkungan
Badan Usaha Milik Negara secara Elektronik Kementerian BUMN
9 Social and Environmental
Minister of BUMN Regulation No PER-18/MBU/10/2014 Ministry of SOE
Responsibility Management
concerning Electronic Submission of Data, Reports and
Report
Documents of State-Owned Enterprises
626 Laporan Tahunan 2023 | PT Pegadaian
Page 627
Laporan Bulanan
Monthly Report
Tujuan Pelaporan
Perihal Pedoman Laporan (Instansi)
No
Subject Report Guidelines Reporting Purpose
(Institution)
Laporan SPT PPN Masukan Direktorat Jenderal
Undang-Undang Nomor 42 Tahun 2009 tentang Pajak
dan Keluaran Pajak
1 Pertambahan Nilai
Input and Output of VAT Directorate General of
Law Number 42 of 2009 concerning Value Added Tax
SPT Report Taxation
Direktorat Jenderal
Undang-Undang Nomor 36 Tahun 2008 tentang Pajak
Laporan Pajak Penghasilan Pajak
2 Penghasilan
Income Tax Report Directorate General of
Law Number 36 of 2008 concerning Income Tax
Taxation
Peraturan Bank Indonesia Nomor 14/23/PBI/2012 Tentang
Laporan Transfer Dana Transfer Dana
3 Bank Indonesia
Fund Transfer Report Bank Indonesia Regulation Number 14/23/PBI/2012
concerning Fund Transfers
Penyampaian Daftar Kerja
Sama Aktivitas Sistem Surat BI Nomor 23/1054/Jkt/Srt/B Tanggal 8 November
Pembayaran dengan 2021 Perihal Penyelenggaraan Kerja Sama Aktivitas Sistem
Perusahaan Fintech Peer To Pembayaran dengan Perusahaan Fintech Peer To Peer
Peer Lending Lending
4 Bank Indonesia
Submission of a List of BI Letter Number 23/1054/Jkt/Srt/B Dated November
Payment System Activity 8, 2021 Regarding the Implementation of Cooperation
Cooperation with Peer in Payment System Activities with Peer To Peer Lending
To Peer Lending Fintech Fintech Company
Company
Peraturan Otoritas Jasa Keuangan Republik Indonesia
Nomor 30/POJK.05/2021 tentang Perubahan Kedua atas
Peraturan Otoritas Jasa Keuangan Republik Indonesia
Nomor 14/POJK.05/2020 Tentang Kebijakan Countercyclical
Dampak Penyebaran Coronavirus Disease 2019 Bagi
Laporan Restrukturisasi
Lembaga Jasa Keuangan Non-Bank
Pembiayaan OJK
5 Regulation of the Financial Services Authority of the
Financing Restructuring FSA
Republic of Indonesia Number 30/POJK.05/2021 concerning
Report
the Second Amendment to the Regulation of the Financial
Services Authority of the Republic of Indonesia Number 14/
POJK.05/2020 concerning Countercyclical Policy on the
Impact of the Spread of Coronavirus Disease 2019 for Non-
Bank Financial Services Institutions
Peraturan Otoritas Jasa Keuangan Nomor: 3/POJK.05/2013
Laporan Keuangan Tentang Laporan Bulanan Lembaga Jasa Keuangan Non-
Konsolidasi Bank OJK
6
Consolidated Financial Financial Services Authority Regulation Number: 3/ FSA
Statements POJK.05/2013 concerning Monthly Report of Non-Bank
Financial Services Institutions
Peraturan Otoritas Jasa Keuangan Nomor: 3/POJK.05/2013
Laporan Keuangan Tentang Laporan Bulanan Lembaga Jasa Keuangan Non-
Konsolidasi Syariah Bank OJK
7
Sharia Consolidated Financial Services Authority Regulation Number: 3/ FSA
Financial Statements POJK.05/2013 concerning Monthly Report of Non-Bank
Financial Services Institutions
Laporan Data Pendukung
Laporan Bulanan Lembaga
Surat OJK S-49/NB.2222016 tanggal 19 Juni 2016 Hal
Jasa Keuangan Non Bank
Permintaan Data PT Pegadaian (Persero) OJK
8 Supporting Data Report of
OJK Letter S-49/NB.2222016 dated June 19, 2016 Regarding FSA
Monthly Report of Non-
PT Pegadaian (Persero) Data Request
Bank Financial Services
Institutions
Laporan Penyaluran Kredit Peraturan Menteri Keuangan Nomor 95 Tahun 2018 tentang
Ultra Mikro Pembiayaan Ultra Mikro Kementerian Keuangan
9
Ultra Micro Credit Minister of Finance Regulation Number 95 of 2018 Ministry of Finance
Distribution Report concerning Ultra Micro Financing
PT Pegadaian | 2023 Annual Report 627
Page 628
Tata Kelola Perusahaan
Corporate Governance
Laporan Insidentil
Incidental Report
No Perihal Pedoman Laporan Tujuan Pelaporan (Instansi)
Regarding Report Guidelines Reporting Purpose (Agency)
1 Laporan Gratifikasi Undang-Undang Nomor 20 Tahun 2001 tentang Perubahan Komisi Pemberantasan
Gratification Report atas Undang-Undang Nomor 31 Tahun 1999 tentang Korupsi
Pemberantasan Tindak Pidana Korupsi Indonesia's Corruption
Law Number 20 of 2001 concerning Amendment to Law Eradication Commission
Number 31 of 1999 concerning Eradication of Corruption
Crimes
2 Laporan Transaksi Peraturan Kepala PPATK Nomor PER-09-1.02.02- PPATK
Keuangan Tunai PPATK-09-2012 tentang Tata Cara Penyampaian LTKM dan
Cash Financial LTKT bagi PJK
Transaction Report Regulation of the Head of PPATK Number PER-09-1.02.02-
PPATK-09-2012 concerning Procedures for Submitting LTKM
and LTKT for PJK
3 Laporan Transaksi Peraturan Kepala PPATK Nomor PER-09-1.02.02- PPATK
Keuangan PPATK-09-2012 tentang Tata Cara Penyampaian LTKM dan
Mencurigakan LTKT bagi PJK
Suspicious Financial Regulation of the Head of PPATK Number PER-09-1.02.02-
Transaction Report PPATK-09-2012 concerning Procedures for Submitting LTKM
and LTKT for PJK
4 Laporan Data Peraturan Bersama Kementerian Luar Negeri, Kepolisian PPATK
Transaksi Nasabah Negara Republik Indonesia, Pusat Pelaporan dan Analisis
Terkait DPPSPM & Transaksi Keuangan, dan Badan Pengawas Tenaga Nuklir
DTTOT Joint Regulation of the Ministry of Foreign Affairs, the
Customer Transaction National Police of the Republic of Indonesia, the Center
Data Report Related for Financial Transaction Reporting and Analysis, and the
to DPPSPM & DTTOT Nuclear Energy Supervisory Agency
5 Laporan Keterbukaan Peraturan Jasa Keuangan Nomor 31 /POJK.04/2015 Tentang OJK
Informasi atau Fakta Keterbukaan Atas Informasi atau Fakta Material oleh Emiten FSA
Material atau Perusahaan Publik
Information Financial Services Regulation Number 31 /POJK.04/2015
Disclosure Report or concerning Disclosure of Material Information or Facts by
Material Facts Issuers or Public Companies
6 Laporan Peraturan Otoritas Jasa Keuangan Nomor 35 /POJK.04/2014 OJK
pengangkatan dan Tentang Sekretaris Perusahaan Emiten atau Perusahaan FSA
pemberhentian Publik
Sekretaris Financial Services Authority Regulation Number 35 /
Perusahaan POJK.04/2014 concerning Corporate Secretary of Issuer or
Report on the Public Company
appointment and
dismissal of the
Corporate Secretary
7 Penyampaian Hasil Peraturan Otoritas Jasa Keuangan Nomor 32 /POJK.04/2014 OJK
RUPS Tentang Rencana dan Penyelenggaraan Rapat Umum FSA
Submission of GMS Pemegang Saham Perusahaan Terbuka
Resolution Financial Services Authority Regulation Number 32 /
POJK.04/2014 concerning Planning and Organizing General
Meetings of Shareholders of Public Companies
8 Laporan Perubahan Peraturan Otoritas Jasa Keuangan Nomor 8 Tahun 2023 OJK
Kebijakan dan Tentang Penerapan Program Anti Pencucian Uang, FSA
Pedoman Tertulis Pencegahan Pendanaan Terorisme di Sektor Jasa Keuangan,
Penerapan Program dan Pencegahan Pendanaan Proliferasi Senjata Pemusnah
APU, PPT, dan Massal
PPPSPM di Sektor Financial Services Authority Regulation Number 8 of 2023
Jasa Keuangan concerning Implementation of Anti-Money Laundering
Report on Policy Programs, Prevention of Terrorism Financing in the
Changes and Written Financial Services Sector, and Prevention of Funding for the
Guidelines for Proliferation of Weapons of Mass Destruction
Implementing APU,
PPT and PPPSPM
Programs in the
Financial Services
Sector
628 Laporan Tahunan 2023 | PT Pegadaian
Page 629
Kode Etik: Standar Etika Perseroan Code of Conduct: Company’s Ethical
Standards
Kode Etik Perseroan merupakan sekumpulan The Company’s Code of Ethics is a set of commitments
komitmen yang terdiri dari standar etika bisnis consisting of the Company’s business ethics standards
Perseroan dan panduan etika kerja karyawan yang and employee work ethics guidelines which are
disusun untuk mempengaruhi, membentuk dan structured to influence, shape and direct behavior
mengarahkan kesesuaian tingkah laku dengan budaya conformity with the Company’s culture and values in
dan nilai-nilai Perseroan dalam mencapai visi dan misi achieving the Company’s vision and mission.
Perseroan.
Kode Etik Perusahaan diatur dalam Pedoman The Company’s Code of Ethics is regulated in the Code
Standar Etika Bisnis dan Perilaku (Code of Conduct) of Conduct and Regulation of the Board of Directors
sebagaimana dan Peraturan Direksi No. 56 Tahun 2022 No. 56 of 2022 concerning Guidelines for Standards
tentang Pedoman Standar Etika Bisnis dan Perilaku of Business Ethics and Behavior (Code of Conduct)
(Code of Conduct) tanggal 6 September 202 dated September 6, 2022.
Tujuan penerapan Kode Etik Perseroan adalah sebagai The purpose of implementing the Company’s Code of
berikut: Conduct is as follows:
1. Memberikan kepastian batasan perilaku Insan 1. Provide certainty regarding the behavior limits
Pegadaian yang sesuai dengan nilai-nilai Budaya of Pegadaian Personnel in accordance with the
Perusahaan; values of the Corporate Culture;
2. Menciptakan lingkungan kerja yang sehat dan 2. Creating a healthy and positive work environment
positif di Perusahaan; in the Company;
3. Meningkatkan reputasi dan kepercayaan dari 3. Improving the reputation and trust of Stakeholders
Pemangku Kepentingan (stakeholders) kepada in the Company
Perusahaan.
Pokok-Pokok Pedoman Standar Etika Principles of the Company’s Code of
Perseroan Ethical Standards
Pokok-pokok yang diatur dalam Pedoman Standar The main points regulated in the Company’s Code
Etika Bisnis dan Perilaku Perseroan, secara garis besar of Ethical Standards outline the guidelines for the
memuat panduan etika bisnis Perseroan dan etika Company’s business ethics and work ethics for the
perilaku karyawan Perseroan yang menjabarkan dasar Company’s employees which outline the basis for the
perilaku seluruh insan Perseroan dalam mencapai behavior of all Company personnel in achieving the
Visi dan Misi Perseroan. Standar Etika Perseroan Company’s Vision and Mission. The Company’s Ethical
mencakup: Standards include:
Standar Etika Bisnis: Business Ethical Standards:
1. Hubungan dengan Pemangku Kepentingan; 1. Relations with Stakeholders;
2. Kepatuhan terhadap Hukum & Regulasi; 2. Compliance with Laws & Regulations;
3. Kesempatan Kerja yang Adil; 3. Fair Employment Opportunity;
4. Keamanan, Keselamatan, & Kesehatan Kerja serta 4. Occupational Security, Safety & Health as well as
Pelestarian Lingkungan; Environmental Preservation;
5. Keterbukaan & Kerahasiaan Informasi; 5. Information Disclosure & Confidentiality;
6. Pengendalian Gratifikasi & Anti Penyuapan; 6. Gratification & Anti-Bribery Control;
7. Kegiatan Sosial & Politik; 7. Social & Political Activities;
8. Persaingan Usaha yang Sehat; 8. Fair Business Competition;
9. Hak atas Kekayaan Intelektual; 9. Intellectual Property Rights;
10. Teknologi Informasi. 10. Information Technology.
PT Pegadaian | 2023 Annual Report 629
Page 630
Tata Kelola Perusahaan
Corporate Governance
Standar Etika Perilaku: Ethical Standards of Conduct:
1. Hubungan dengan Pemangku Kepentingan; 1. Relations with Stakeholders;
2. Kepatuhan terhadap Hukum & Regulasi; 2. Compliance with Laws & Regulations;
3. Keamanan, Keselamatan dan Kesehatan 3. Security, Safety and Health of the Work
Lingkungan Kerja serta Pelestarian Lingkungan; Environment and Environmental Preservation
4. Benturan Kepentingan; 4. Conflict of Interest
5. Menjaga Kerahasiaan Data dan Informasi; 5. Maintain Data and Information Confidentiality;
6. Menjaga Aset Perusahaan; 6. Safeguard Company Assets;
7. Integritas terhadap Laporan Keuangan; 7. Integrity of Financial Statements;
8. Pengendalian Gratifikasi dan Anti Penyuapan; 8. Gratification and Anti-Bribery Control;
9. Penyalahgunaan Narkoba, Norma Kesusilaan, 9. Drug Abuse, Decency, Gambling, Liquor, Violence
Perjudian, Minuman Keras, Kekerasan dan Merokok; and Smoking;
10. Hak Berpolitik; 10. Political Rights;
11. Menjaga Nama Baik Perusahaan; 11. Maintaining the Good Name of the Company;
12. Hak Atas Kekayaan Intelektual; 12. Intellectual Property Rights;
13. Teknologi Informasi. 13. Information Technology.
Pemberlakuan Standar Etika Perseroan Enforcement of the Company’s Ethical
Standards
Pedoman Standar Etika Perseroan berlaku untuk The Company’s Code of Ethical Standards applies
seluruh individu yang bertindak atas nama Perseroan, to all individuals acting on behalf of the Company,
Entitas Anak, Pemegang Saham, serta menjadi acuan Subsidiaries, Shareholders, and serves as a reference
seluruh pemangku kepentingan yang melakukan for all stakeholders who conduct business transactions
transaksi bisnis dengan Perseroan. Penerapan with the Company. The consistent application of the
Pedoman Standar Etika Perseroan secara konsisten Company’s Code of Ethics Standards is expected
diharapkan dapat mendorong terwujudnya perilaku to encourage professional, responsible, reasonable,
yang profesional, bertanggung jawab, wajar, patut dan proper and trustworthy behavior in conducting
dipercaya dalam melakukan hubungan bisnis dengan business relationships with co-workers and work
rekan sekerja maupun para mitra kerja. partners.
Pernyataan Kepatuhan terhadap Pedoman Statement of Compliance with the
Standar Etika Perseroan Company’s Code of Ethical Standards
Perseroan berupaya menegakan Pedoman Standar The Company seeks to uphold the Company’s Code
Etika Perseroan dengan melakukan penandatanganan of Ethical Standards by signing a Statement of
Pernyataan Kepatuhan terhadap Pedoman Standar Compliance with the Company’s Code of Ethical
Etika Perseroan oleh seluruh insan Perseroan dengan Standards by all members of the Company using the
form yang telah disediakan Perseroan. Berikut data form provided by the Company. The following is the
penandatanganan Pernyataan Kepatuhan terhadap signing data of the Statement of Compliance with
pedoman Standar Etika Perseroan untuk periode the Company’s Ethical Standards guidelines for the
tanggal 24 Agustus 2023. August 24, 2023 period.
Tanda Tangan Komitmen
Insan Pegadaian Jumlah Orang COC %
Pegadaian People Number of People COC Commitment
Signature
Direksi
8 8 100%
Board of Directors
Dewan Komisaris
8 8 100%
Board of Commissioners
Karyawan
13.659 12.914 94,55
Employees
630 Laporan Tahunan 2023 | PT Pegadaian
Page 631
Rekapitulasi Penandatanganan Komitmen Penerapan Code of Conduct (COC)
untuk Kantor Pusat Periode Tanggal 24 Agustus Tahun 2023
Recapitulation of the Signing of the Commitment to Implement the Code of Conduct (COC)
for the Head Office for the Period of August 24, 2023
Jumlah Insan Pegadaian Jumlah Lembar Komitmen
Nama Divisi Total Pegadaian Employee Number of Commitment Sheets
Division Name Pejabat Non-pejabat Pejabat Non-pejabat
Official Non-official Official Non-official
Divisi Akuntansi 7 16 7 16
Divisi Budaya Kerja 7 8 7 8
Divisi Digital Lending & Payment 5 12 5 12
Divisi Hubungan Kelembagaan 6 9 6 9
Divisi Hukum 23 23 23 23
Divisi Innovation Center 10 14 10 14
Divisi IT Security 7 10 7 10
Divisi Jaringan dan Operasional 9 41 9 41
Divisi Corporate Social Responsibility 7 10 7 10
Divisi Kepatuhan 11 9 11 9
Divisi Manajemen Aset Tetap 10 14 10 14
Divisi Manajemen Data TI 6 13 6 13
Divisi Manajemen Kinerja Perusahaan 4 11 4 11
Divisi Manajemen Risiko Operasi &
7 13 7 13
Korporasi
Divisi Operasional dan Infrastruktur TI 18 45 18 45
Divisi Operasional Human Capital 11 23 11 23
Divisi Pegadaian Corporate University 44 36 43 33
Divisi Pemasaran 10 18 10 18
Divisi Pengadaan dan Logistik 9 14 9 13
Divisi Pengembangan Aplikasi TI 24 71 24 71
Divisi Penjualan 6 8 6 8
Divisi Perencanaan Strategis 5 11 5 11
Divisi PMO & Manajemen Perubahan 5 11 5 11
Divisi Produk Emas 10 16 10 16
Divisi Produk Gadai 13 13 13 13
Divisi Produk Mikro Fidusia 6 10 6 10
Divisi Risiko Kredit dan Asuransi 7 12 7 12
Divisi Strategi Human Capital 21 18 20 18
Divisi Strategi, Arsitektur & Perencanaan TI 17 18 17 18
Divisi Tresuri 11 19 11 19
Satuan Pengawasan Intern 362 55 360 55
Sekretariat Perusahaan 7 29 7 29
Unit Usaha Syariah 15 17 15 17
Jumlah 720 647 716 643
PT Pegadaian | 2023 Annual Report 631
Page 632
Tata Kelola Perusahaan
Corporate Governance
Rekapitulasi Penandatanganan Komitmen Penerapan Code of Conduct (COC)
untuk Kantor Wilayah Periode Tanggal 24 Agustus Tahun 2023
Recapitulation of the Signing of the Commitment to Implement the Code of Conduct (COC)
for Regional Offices for the Period of August 24, 2023
Jumlah Insan Pegadaian Jumlah Lembar Komitmen
Nama Kanwil Total Pegadaian Employee Number of Commitment Sheets
Regional Office Name Pejabat Non-pejabat Pejabat Non-pejabat
Official Non-official Official Non-official
Kanwil I Medan 103 733 103 693
Kanwil II Pekanbaru 77 586 76 520
Kanwil III Palembang 79 593 78 584
Kanwil IV Balikpapan 109 865 109 847
Kanwil V Manado 114 815 114 788
Kanwil VI Makassar 117 1.126 117 1.048
Kanwil VII Denpasar 136 1.191 136 1.151
Kanwil VIII Jakarta 120 932 120 899
Kanwil IX Jakarta 106 889 105 756
Kanwil X Bandung 104 882 104 841
Kanwil XI Semarang 153 1.098 152 966
Kanwil XII Surabaya 148 1.216 143 1.105
Jumlah
1.366 10.926 1.357 10.198
Total
Penyebarluasan Standar Etika Socialization of the Company’s
Perseroan Ethical Standards
Perseroan berupaya menyebarluaskan Standar The Company seeks to socialize the Standards of
Etika Bisnis dan perilaku secara merata kepada Business Ethics and behavior evenly to all components
seluruh komponen Perseroan dalam rangka of the Company in order to provide optimal
memberikan pemahaman yang optimal agar Standar understanding so that the Standards of Business
Etika Bisnis dan perilaku mampu dimengerti dan Ethics and behavior can be understood and complied
dipatuhi. Beberapa langkah yang diterapkan untuk with. Several steps have been taken to socialize
mensosialisasikan berbagai prinsip serta Standar Etika various principles and Standards of Business Ethics
Bisnis dan perilaku, antara lain melalui: and behavior, including through:
1. Pendistribusian Standar Etika Perseroan kepada 1. Distribution of the Company’s Ethical Standards to
internal Perseroan; the Company’s internal;
2. Sosialisasi dan seminar bagi karyawan; 2. Socialization and seminars for employees;
3. Sosialisasi pada saat proses perekrutan; 3. Socialization during the recruitment process;
4. Melalui pemasangan banner maupun spanduk; 4. Through the installation of banners and banners;
5. Melalui media komunikasi Perusahaan. 5. Through the Company’s communication media.
Di tahun 2023, Perseroan telah melaksanakan In 2023, the Company has carried out measurements
pengukuran dalam tingkat pemahaman Dewan on the level of understanding of the Board of
Komisaris, Direksi & SEVP, Organ Dewan Komisaris, Commissioners, Board of Directors & SEVP, Board of
dan karyawan terhadap Pedoman GCG Code dan CoC. Commissioners and employees regarding the GCG
Hasil pengukuran tingkat pemahaman GCG Code dan Code and CoC Guidelines. The results of measuring the
CoC menunjukan bahwa Dewan Komisaris, Direksi & level of understanding of the GCG Code and CoC show
SEVP, Organ Dewan Komisaris, dan Karyawan telah that the Board of Commissioners, Board of Directors &
memiliki tingkat pemahaman yang “sangat baik”. SEVP, Board of Commissioners and Employees have a
“very good” level of understanding.
632 Laporan Tahunan 2023 | PT Pegadaian
Page 633
Responden Pemahaman GCG Code Pemahaman COC
Respondent GCG Code Understanding COC Understanding
Dewan Komisaris
100% 100%
Board of Commissioners
Direksi & SEVP
100% 100%
Board of Directors and SEVP
Organ Dewan Komisaris
100% 100%
Organ of the Board of Commissioners
Karyawan
99,67% 99,67%
Employees
Penegakan Pedoman Standar Etika Enforcement of the Company’s Code of
Perseroan Ethical Standards
Penegakan Pedoman Standar Etika Perseroan Enforcement of the Company’s Code of Ethics
dilakukan melalui penerapan aturan yang berlaku Standards is carried out through the application of
kepada seluruh manajemen dan karyawan Perseroan, rules that apply to all management and employees of
di antaranya the Company, including:
1. Perusahaan berkomitmen menjalankan kegiatan 1. The Company is committed to carrying out business
bisnis berdasarkan persaingan usaha yang sehat activities based on fair business competition based
berdasarkan peraturan dan perundang-undangan on applicable laws and regulations;
yang berlaku;
2. Seluruh organ dan pegawai Perseroan wajib 2. All organs and employees of the Company must
patuh terhadap Standar Etika Perseroan serta comply with the Company’s Ethical Standards and
hukum dan peraturan perundang-undangan yang applicable laws and regulations;
berlaku;
3. Perseroan menjamin dan memastikan bahwa 3. The Company guarantees and ensures that every
setiap kegiatan operasional Perseroan serta operational activity of the Company and the
hubungan Perseroan dengan karyawan dan Company’s relationship with employees and the
masyarakat tidak akan melanggar prinsip-prinsip community will not violate the principles of human
hak asasi manusia; rights;
4. Perseroan berkomitmen tinggi untuk menciptakan 4. The Company is highly committed to creating
keselamatan kerja dan lingkungan kerja yang work safety and a healthy work environment for
sehat bagi karyawan dan masyarakat yang employees and the public who interact with the
berinteraksi dengan lingkungan kerja Perseroan; Company’s work environment;
5. Perseroan senantiasa memberikan kesempatan 5. The Company always provides fair employment
kerja yang adil bagi masyarakat dan menolak opportunities for the community and rejects the
praktik diskriminasi manusia (suku, agama, ras dan practice of human discrimination (ethnic, religious,
antar golongan). Perseroan menerapkan prinsip racial and intergroup). The Company applies the
perlakuan yang adil bagi insan Pegadaian dalam principle of fair treatment for Pegadaian employees
bekerja dan pengembangan diri berdasarkan in their work and self-development based on their
kompetensi yang dimiliki; competence;
6. Perseroan berkomitmen bahwa setiap kegiatan 6. The Company is committed that every activity of
Perseroan bebas dari konflik kepentingan dengan the Company is free from conflicts of interest with
kegiatan individu insan Pegadaian; the activities of individual Pegadaian employees;
7. Perseroan berkomitmen untuk tidak memberikan 7. The Company is committed not to give or promise,
atau menjanjikan, baik langsung maupun tidak either directly or indirectly gifts/bribes to parties
langsung hadiah/suap kepada para pihak yang related to the Company, where such gifts are
berhubungan dengan Perseroan, di mana known or reasonably suspected to be used to
pemberian tersebut diketahui atau patut influence or move these parties to do or not do
diduga digunakan untuk mempengaruhi atau something in their positions that is contrary to its
menggerakkan para pihak tersebut melakukan obligations;
atau tidak melakukan sesuatu dalam jabatannya
yang bertentangan dengan kewajibannya;
PT Pegadaian | 2023 Annual Report 633
Page 634
Tata Kelola Perusahaan
Corporate Governance
8. Perseroan menghormati aspirasi dan pandangan 8. The Company respects the aspirations and political
politik insan Pegadaian dan menjamin views of Pegadaian personnel and guarantees the
pelaksanaan hak tersebut sesuai ketentuan implementation of these rights in accordance with
perundang-undangan yang berlaku; applicable laws and regulations;
9. Perseroan menjamin bahwa pemegang saham 9. The Company guarantees that shareholders and
dan investor mendapatkan perlakuan yang setara investors receive equal treatment accordingly and
sesuai serta dapat menggunakan hak-haknya can exercise their rights in accordance with the
sesuai ketentuan Anggaran Dasar Perseroan dan provisions of the Company’s Articles of Association
peraturan perundang-undangan yang berlaku. and applicable laws and regulations. The Company
Perseroan menjamin menyampaikan informasi guarantees to convey complete and accurate
material yang lengkap dan akurat mengenai material information regarding the Company
Perseroan kepada setiap pemegang saham dan to each shareholder and fulfill all decisions that
memenuhi semua keputusan yang telah ditetapkan have been stipulated at the General Meeting of
dalam Rapat Umum Pemegang Saham (RUPS); Shareholders (GMS);
10. Perseroan berkomitmen untuk membangun 10. The Company is committed to building good
hubungan baik dengan semua instansi dan relations with all Government agencies and officials
pejabat Pemerintah (regulator) berdasarkan (regulators) based on business ethics standards
standar etika bisnis dan peraturan perundangan and applicable laws and regulations;
yang berlaku;
11. Perseroan berkomitmen selalu menyampaikan 11. The Company is committed to always conveying
informasi yang benar dan akurat terhadap true and accurate information on decisions to
keputusan pengajuan kredit dan penerbitan apply for credit and issue bonds. The Company is
obligasi. Perseroan berkomitmen dalam membuat committed to making engagements always based
perikatan selalu dilandasi dengan itikad baik dan on good faith and the principle of mutual benefit;
prinsip saling menguntungkan;
12. Perseroan berkomitmen untuk meningkatkan 12. The Company is committed to improving service
kualitas pelayanan sesuai harapan nasabah/ quality according to customer/debtor expectations.
debitur. Perseroan berkomitmen senantiasa The Company is committed to consistently fulfilling
memenuhi hak hak nasabah/debitur secara the rights of customers/debtors;
konsisten;
13. Perseroan berkomitmen untuk memberikan 13. The Company is committed to providing equal
kesempatan yang sama kepada seluruh opportunities to all partners/vendors as business
rekanan/vendor sebagai mitra bisnis, saling partners, mutually beneficial, legal and efficient
menguntungkan,legal dan efisien dengan tetap while upholding GCG principles;
menjunjung tinggi prinsip-prinsip governansi
korporat;
14. Perseroan berkomitmen untuk turut serta 14. The Company is committed to participating in
berpartisipasi dalam mendorong perkembangan encouraging community development around
masyarakat di sekitar unit kerja Perseroan dan the Company’s work units and increasing social
meningkatkan tanggung jawab sosial kepada responsibility to the community;
masyarakat;
15. Perseroan berkomitmen untuk menyampaikan 15. The Company is committed to conveying the
informasi yang diwajibkan oleh ketentuan information required by law in a correct, accurate
perundang undangan dengan benar, akurat dan and timely manner;
tepat waktu;
16. Perseroan berkomitmen untuk menjaga, 16. The Company is committed to maintaining,
mengelola dan menggunakan data/informasi managing and using data/information which due
yang karena sifatnya wajib dirahasiakan; to its nature must be kept confidential;
17. Perseroan memastikan bahwa seluruh aset
Perseroan diperoleh dan dikelola dengan 17. The Company ensures that all of the Company’s
baik serta penggunaanya semata-mata untuk assets are properly acquired and managed and
kepentingan Perseroan; their use is solely for the benefit of the Company;
634 Laporan Tahunan 2023 | PT Pegadaian
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18. Perseroan berkomitmen melindungi kekayaan 18. The Company is committed to protecting the
intelektual Perseroan sebagai aset yang harus Company’s intellectual property as an asset that
dijaga dengan semestinya, serta menghormati must be maintained properly, and respecting the
hak kekayaan intelektual Perseroan/pihak lain; intellectual property rights of the Company/other
parties;
19. Perusahaan bersikap netral dengan tidak 19. The company is neutral by not participating in
berpartisipasi pada kegiatan politik. political activities.
Jenis Sanksi dan Jumlah Pelanggaran Types of Sanctions and Number of
Pedoman Standar Etika Perseroan Violations of the Company’s Code of
Ethical Standards
Segala pelanggaran atas Pedoman Standar Etika Any violation of the Company’s Code of Ethical
Perseroan akan dikenakan sanksi berupa tindakan Standards will be subject to sanctions in the form of
Teguran, Peringatan, Pengunduran Diri dan Pemutusan a Reprimand, Warning, Resignation and Termination
Hubungan Kerja (PHK). Penerapan sanksi didasarkan of Employment (PHK). The application of sanctions is
pada kategori pelanggaran yang dilakukan. Berikut based on the category of violations committed. The
daftar kategori pelanggaran berikut sanksi yang following is a list of categories of violations and the
diberikan: sanctions given:
Kategori Pelanggaran Jenis Sanksi
No
Violation Category Types of Sanctions
Peringatan 1
1 PKB 165/2019 Pasal 161 Ayat 1,2,3
Warning 1
Peringatan 2
2 PKB 165/2019 Pasal 162 Ayat 1,2,3
Warning 2
Peringatan 3
3 PKB 165/2019 Pasal 164 Ayat 1,2,3
Warning 3
Pengunduran diri
4 PKB 165/2019 Pasal 178 ayat 1 huruf f
Resignation
Pemutusan Hubungan Kerja (PHK)
5 PKB 165/2019 Pasal 176 sampai dengan Pasal 178
Termination of Employment (PHK)
Evaluasi dan Monitoring Tindak Lanjut Evaluation and Monitoring of Follow-Up
Pelanggaran Pedoman Standar Etika Violations of the Company’s Code of
Perseroan Ethical Standards
Setiap tahunnya Perseroan selalu mengevaluasi dan Every year the Company always evaluates and
memonitor terhadap pelanggaran Pedoman Standar monitors violations of the Company’s Code of Ethical
Etika Perseroan. Berikut daftar pengenaan sanksi atas Standards. The following is a list of imposition of
pelanggar Standar Etika Perseroan: sanctions for violators of the Company’s Ethical
Standards:
Sanksi
No
Sanction
2023 2022
Peringatan 1
1 136 45
Warning 1
Peringatan 2
2 125 47
Warning 2
Peringatan 3
3 50 25
Warning 3
Pengunduran diri
4 82 156
Resignation
Pemutusan Hubungan Kerja (PHK)
5 30 18
Termination of Employment (PHK)
PT Pegadaian | 2023 Annual Report 635
Page 636
Tata Kelola Perusahaan
Corporate Governance
Kebijakan Antikorupsi dan Anti-corruption Policy and
Pengendalian Gratifikasi Gratification Control
Kebijakan Antikorupsi Anti-corruption Policy
Perseroan berkomitmen untuk menciptakan organisasi The Company is committed to creating a clean
yang bersih yang bebas dari praktik Korupsi, Kolusi organization that is free from Corruption, Collusion
dan Nepotisme (KKN). Perseroan berupaya untuk and Nepotism (KKN) practices. The Company seeks to
menutup semua celah yang memungkinkan terjadinya close all gaps that allow KKN practices to occur in the
praktik KKN di lingkungan Pegadaian melalui Pegadaian environment through the implementation
penerapan kebijakan yang telah ditetapkan secara of policies that have been determined seriously. The
sungguh-sungguh. Perseroan akan memberikan sanksi Company will provide strict sanctions for all forms of
yang tegas terhadap segala bentuk praktik KKN yang KKN practices involving Pegadaian employees.
melibatkan insan Pegadaian.
Perseroan juga senantiasa memperhatikan kebijakan The Company also always pays attention to policies
tentang Antikorupsi seperti yang tertulis dalam regarding anti-corruption as written in Law No. 20 of
Undang-Undang No. 20 Tahun 2001 tentang Perubahan 2001 concerning Amendments to Law No. 31 of 1999
atas Undang-Undang No. 31 Tahun 1999 tentang concerning the Eradication of Corruption Crimes.
Pemberantasan Tindak Pidana Korupsi. Pegadaian Pegadaian also implements ISO 37001:2016 on Anti-
juga menerapkan ISO 37001:2016 Sistem Manajemen Bribery Management System (SMAP) by committing
Anti Penyuapan (SMAP) dengan melakukan komitmen to running a business based on the Company’s values
untuk menjalankan usaha berdasarkan nilai-nilai and the 4 No’s principles:
Perseroan dan prinsip 4 No’s yaitu:
1. No Bribery (Tidak boleh ada suap-menyuap, 1. No Bribery (No bribery, kickbacks and extortion)
sogok dan pemerasan)
2. No Kickback (Tidak boleh ada komisi, uang terima 2. No Kickback (No commissions, thank you money
kasih dan uang bagi-bagi) or sharing money)
3. No Gift (Tidak boleh ada hadiah yang tidak wajar) 3. No Gift (No unreasonable gifts)
4. No Luxurious Hospitality (Tidak boleh ada jamuan 4. No Luxurious Hospitality (No excessive
yang berlebihan). entertainment).
Penerapan SMAP kepada Insan Pegadaian dilakukan The implementation of SMAP to Pegadaian people is
melalui antara lain: carried out through, among others:
1. Penandatanganan Pakta Integritas Dewan 1. Signing of the Board of Commissioners and Board
Komisaris dan Direksi untuk menerapkan SMAP; of Directors Integrity Pact to implement the SMAP;
2. Penandatangan Komitmen oleh Insan Pegadaian; 2. Signing of the Commitment by Pegadaian
Personnel;
3. Pemberian pelatihan dan sosialisasi kepada 3. Conduct socialization/Webinar to Stakeholders;
Stakeholders;
4. Pemasangan materi kampanye anti suap dan anti 4. Making banners and installing stickers on work
gratifikasi di lingkungan Perseroan; units;
5. Pencantuman klausul anti penyuapan dalam 5. Adding anti-corruption clauses to every agreement
kontrak kerja dengan pihak ketiga. with third parties.
Adapun pelatihan/sosialisasi Antikorupsi kepada The anti-corruption training/socialization for company
karyawan perusahaan selama tahun 2023, antara lain: employees during 2023 includes:
1. Sosialisasi Gratifikasi melalui Podcast 1. Socialization of Gratification through Podcast
2. Sosialisasi Pelaporan Gratifikasi pada Risk 2. Socialization of Gratification Reporting at the Risk
Regional Forum Regional Forum
3. Pelatihan Audit Anti Bribery Management System 3. Anti Bribery Management System (ABMS) Audit
(ABMS) Training
4. Sosialisasi Penerapan Sistem Manajemen Anti 4. Socialization of the Implementation of the
Penyuapan Kanwil III Palembang Palembang Regional Office III Anti-Bribery
Management System
636 Laporan Tahunan 2023 | PT Pegadaian
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5. Sosialisasi Penerapan Sistem Manajemen Anti 5. Socialization of the Implementation of the Anti-
Penyuapan di Cabang Salemba Bribery Management System at the Salemba
Branch
6. Sosialisasi SMAP, Pengendalian Gratifikasi & 6. Socialization of SMAP, Gratification & Conflict
Benturan Kepentingan dan APASI di Divisi of Interest Control and APASI in the Institutional
Hubungan Kelembagaan Relations Division
7. Sosialisasi Budaya Sadar Risiko dan Kepatuhan 7. Socialization of Risk Awareness Culture and
“’ Standar Etika Bisnis Perilaku & SMAP” kepada Compliance with “Ethical Standards of Business
Change Agent Perseroan Behavior & SMAP” to the Company’s Change Agents
8. Sosialisasi Budaya Kepatuhan - Sistem Manajemen 8. ‘Socialization of Compliance Culture - Anti-Bribery
Anti Penyuapan kepada Kepala Departemen dan Management System to Heads of Departments
Kepala Bagian Budaya Kerja Seluruh Indonesia and Heads of Work Culture Sections throughout
Indonesia
9. Sosialisasi Monthly Briefing Change Leader 9. Socialization of the Monthly Briefing Change
(MBCL) Budaya Kepatuhan edisi Standar Etika Leader (MBCL) Compliance Culture edition of
Bisnis Perilaku dan SMAP Standard Business Ethics Behavior and SMAP
10. Sosialisasi Culture Team Weekly briefing Budaya 10. Socialization of Culture Team Weekly briefing
Kepatuhan - Pengendalian Gratifikasi Kepala Compliance Culture - Gratification Control Heads
Departemen dan Kepala Bagian Budaya Kerja of Departments and Heads of Work Culture
Seluruh Indonesia Sections throughout Indonesia
11. Webinar Membangun Budaya Kepatuhan Secara 11. Webinar on Building a Sustainable Compliance
Berkelanjutan Culture
12. Sosialisasi pada Gathering Vendor Training 12. Socialization at the Pegadaian Corporate University
Pegadaian Corporate University Vendor Training Gathering
Kebijakan Pengendalian Gratifikasi Gratification Control Policy
Di samping itu, Perseroan juga menutup celah In addition, the Company also closes gaps in receiving
atas penerimaan gratifikasi. Perseroan telah gratuities. The Company has a policy regarding
memiliki kebijakan tentang pengendalian gratifikasi gratification control as regulated in Regulation of the
sebagaimana yang diatur dalam Peraturan Direksi Board of Directors No. 65 of 2022 dated October 18,
No. 65 Tahun 2022 tanggal 18 Oktober 2022 tentang 2022 concerning Guidelines for Gratification Control.
Pedoman Pengendalian Gratifikasi. Pedoman Gratification control guidelines are a form of the
pengendalian gratifikasi merupakan wujud komitmen Company’s commitment to being able to definitively
Perseroan untuk dapat mengartikan korupsi secara define corruption down to its simplest understanding.
definitif hingga ke pemahaman yang paling sederhana. Through these guidelines, the Company encourages all
Melalui pedoman ini, Perseroan mendorong Pegadaian people to be committed to implementing
seluruh Insan Pegadaian untuk dapat berkomitmen gratification control guidelines in the work environment,
menerapkan pedoman pengendalian gratifikasi including when dealing with Stakeholders.
di lingkungan kerja termasuk ketika berhubungan
dengan Pemangku Kepentingan.
Hingga akhir tahun 2023, Pegadaian mendapati Until the end of 2023, Pegadaian found that there were
adanya 9 pelaporan gratifikasi yang dilakukan oleh 9 reports of gratification made by Company People
Insan Perseroan melalui Unit Pengendalian Gratifikasi through the Gratification Control Unit (UPG) and
(UPG) dan diteruskan kepada KPK melalui aplikasi forwarded to the Corruption Eradication Commission
GOL KPK. via the GOL KPK application.
PT Pegadaian | 2023 Annual Report 637
Page 638
Tata Kelola Perusahaan Corporate Governance Program Anti Pencucian Uang, Anti-Money Laundering Program, Pencegahan Pendanaan Terorisme, Prevention of Terrorism Financing, Pencegahan Pendanaan Proliferasi Prevention of Funding for the Senjata Pemusnah Massal (APU, PPT Proliferation of Weapons of Mass dan PPPSPM) Destruction (APU, PPT and PPPSPM) Perseroan berkomitmen untuk melakukan The Company is committed to preventing as early as pencegahan sedini mungkin atas tindak pidana possible the crime of money laundering and terrorist pencucian uang dan pendanaan terorisme dengan financing by implementing the precautionary principle. menerapkan prinsip kehati-hatian. Salah satu upaya One effort to implement the precautionary principle untuk melaksanakan prinsip kehati-hatian tersebut is to implement Anti-Money Laundering, Prevention adalah dengan menerapkan program Anti Pencucian of Terrorism Financing, Prevention of Funding for Uang, Pencegahan Pendanaan Terorisme, Pencegahan the Proliferation of Mass Destruction (APU, PPT and Pendanaan Proliferasi Senjata Pemusnah Massal PPPSPM) programs adequately with a risk-based (APU, PPT dan PPPSPM) secara memadai dengan approach. pendekatan berbasis risiko (Risk Based Approach). Struktur Organisasi Penerapan Program Organizational Structure of APU, PPT, and APU, PPT, dan PPPSPM PPPSPM Program Implementation Sebagai bentuk komitmen Manajemen dalam As a form of Management’s commitment to menerapkan program Anti Pencucian Uang, implementing the Anti-Money Laundering, Prevention Pencegahan Pendanaan Terorisme, Pencegahan of Terrorism Financing, Prevention of Funding for the Pendanaan Proliferasi Senjata Pemusnah Massal Proliferation of Weapons of Mass Destruction (APU, (APU, PPT dan PPPSPM), Divisi Kepatuhan ditetapkan PPT and PPPSPM) programs, the Compliance Division sebagai Unit Kerja Khusus yang bertanggung jawab was designated as a Special Work Unit responsible for dalam penerapan Program APU, PPT, dan PPPSPM, implementing the APU, PPT and PPPSPM Programs, as serta melaporkan langsung kepada Direktur yang well as reports directly to the Director in charge of the membawahi fungsi Kepatuhan. Adapun Struktur Compliance function. The organizational structure for Organisasi penerapan program APU dan PPT sebagai implementing the APU and PPT program is as follows: berikut: 638 Laporan Tahunan 2023 | PT Pegadaian
Page 639
Struktur Organisasi Penerapan Program APU, PPT, dan PPPSPM
Organizational Structure of APU, PPT, and PPPSPM Program Implementation
Direktur Utama
President Director
Direktur Manajemen Risiko, Legal, & Kepatuhan
Director of Risk Management, Legal & Compliance
Unit kerja yang membidangi Unit Kerja Khusus Penanggung Jawab
Pengawasan Intern APU, PPT, dan PPPSPM Unit Kerja Pendukung APU, PPT,dan PPPSPM
Work unit in charge of Internal Special Work Unit Responsible for APU, APU, PPT and PPPSPM Supporting Work Units
Supervision PPT and PPPSPM
Satuan Pengawasan Intern Unit Kerja yang membidangi Unit Kerja yang Unit Kerja yang
Internal Audit Unit Kepatuhan membidangi Hukum membidangi HC
Work Unit in charge of Compliance Work Unit in charge Work Unit in charge
of Law of HC
Unit Kerja yang Unit Kerja yang
Departmen AML CFT &
membidangi TI membidangi
Compliance Risk
Work Unit in charge Budaya Perusahaan
AML CFT & Compliance Risk
of IT Work Unit in charge
Department
of Corporate Culture
Unit Kerja yang Unit Kerja yang
membidangi membidangi Bisnis
Pendidikan dan dan Operasional
Pelatihan Work Unit in charge
Work Unit in charge of Business and
of Education and Operations
Training
Unit Kerja Operasional
Operational Work Unit
Kantor Wilayah
Regional Office
Kantor Area
Area Office
Kantor Cabang/CPS/UPS/Colocation
Branch Office/CPS/UPS/Colocation
Program dalam Penerapan APU, PPT, dan Program in APU, PPT, and PPPSPM.
PPPSPM. Implementation
Dalam rangka mencegah dan meminimalisir Perseroan In order to prevent and minimize the Company being
dijadikan sarana pencucian uang dan pendanaan used as a means of money laundering and financing
terorisme, maka Perseroan melaksanakan program of terrorism, the Company implements the APU & PPT
APU, PPT, dan PPPSPM. sebagai berikut: program as follows:
1. Pengawasan Aktif Direksi dan Dewan Komisaris 1. Active Supervision by the Board of Directors and
a. Pelaksanaan Pengawasan Dewan Komisaris Board of Commissioners
Terhadap Penerapan Program APU, PPT, dan a. Implementation of the Board of Commissioners’
PPPSPM. supervision of the implementation of the APU,
Berdasarkan ketentuan penerapan Program PPT and PPPSPM programs
APU, PPT, dan PPPSPM yang diatur di dalam Based on the provisions for implementing the
Peraturan Direksi Nomor 59 Tahun 2023 APU, PPT and PPPSPM Program as regulated
Tentang Pedoman Penerapan Program APU, in Directors Regulation Number 59 of 2023
PPT, dan PPPSPM sebagaimana diturunkan concerning Guidelines for Implementing the
dari Peraturan Otoritas Jasa Keuangan Nomor APU, PPT and PPPSPM Program as derived
8 Tahun 2023 dan Peraturan Bank Indonesia from Financial Services Authority Regulation
Nomor 19/10/PBI/2017, Dewan Komisaris Number 8 of 2023 and Bank Indonesia
PT Pegadaian | 2023 Annual Report 639
Page 640
Tata Kelola Perusahaan
Corporate Governance
berkewajiban untuk melakukan pengawasan Regulation Number 19/10/ PBI/2017, the Board
terhadap penerapan Program APU, PPT, dan of Commissioners is obliged to supervise the
PPPSPM Perusahaan. implementation of the Company’s APU, PPT
and PPPSPM Programs.
Sepanjang Tahun 2023, Dewan Komisaris telah Throughout 2023, the Board of Commissioners
menerima Laporan tertulis terkait dengan has received written reports related to the APU,
Laporan Penerapan Program APU, PPT, dan PPT and PPPSPM Program Implementation
PPPSPM yang disampaikan oleh Direksi Reports submitted by the Board of Directors on
secara bulanan. Berdasarkan laporan tertulis a monthly basis. Based on the written report,
tersebut, substansi laporan dibahas dalam the substance of the report was discussed at
rapat Komite Pemantau Risiko (KPR) selaku the Risk Monitoring Committee (KPR) meeting
Organ Pendukung Dewan Komisaris yang turut as the Supporting Organ of the Board of
dihadiri oleh Dewan Komisaris dan Anggota Commissioners which was also attended by
Komite. the Board of Commissioners and Committee
Members.
Pembahasan dalam agenda tersebut membahas The discussion on the agenda discusses several
beberapa hal terkini terkait dengan tren LTKT, current matters related to LTKT trends, LTKM
modus dan tipologi LTKM, kepatuhan pelaporan mode and typology, reporting compliance to
kepada Lembaga Pengawas dan Pengatur, dan Supervisory and Regulatory Institutions, and
hal-hal lain sebagaimana disampaikan oleh other matters as conveyed by the Board of
Direksi di dalam laporan tertulis. Directors in written reports.
Selain rapat rutin di atas, Dewan Komisaris turut In addition to the routine meetings above, the
mengundang Direksi dalam rapat insidental Board of Commissioners also invites the Board
untuk membahas isu terkini terkait dengan of Directors to incidental meetings to discuss
penerapan Program APU, PPT, dan PPPSPM. current issues related to the implementation of
the APU, PPT and PPPSPM Programs.
b. Pelaksanaan Pengawasan Direksi Terhadap b. Implementation of Directors’ Supervision of the
Penerapan Program APU, PPT, dan PPPSPM. Implementation of the APU, PPT and PPPSPM
Programs
Dalam rangka memastikan penerapan Program In order to ensure the implementation of
APU, PPT, dan PPPSPM berjalan secara efektif, the APU, PPT and PPPSPM Programs runs
Direksi melakukan pengawasan terhadap effectively, the Board of Directors supervises
Penerapan Program APU, PPT, dan PPPSPM the Implementation of the APU, PPT and
yang disusun oleh Unit Kerja Khusus untuk PPPSPM Programs prepared by the Special
selanjutnya disampaikan secara tertulis Work Unit and then submitted in writing to
kepada Dewan Komisaris. Laporan tersebut the Board of Commissioners. The report is
disampaikan setiap bulan dengan substansi submitted every month with the substance of
laporan yang memuat: the report containing:
i. Laporan Transaksi Keuangan Tunai; i. Cash Financial Transaction Reports;
ii. Laporan Transaksi Keuangan Mencurigakan; ii. Suspicious Financial Transaction Reports;
iii. Laporan Sistem Informasi Pengguna Jasa iii. Integrated Service User Information
Terpadu; System Report;
iv. Laporan Sistem Informasi Terduga iv. Information System Report on Suspected
Pendanaan Terorisme; Terrorism Funding;
v. Laporan Nihil Atas Transaksi DTTOT dan v. Zero Report on DTTOT and DPPSPM
DPPSPM; Transactions;
vi. Progres Pengkinian Data Nasabah; vi. Customer Data Updating Progress;
vii. Pemantauan Terhadap Nasabah Berisiko vii. Monitoring High Risk Customers;
Tinggi;
viii. Service Level Agreement (SLA) Kewajiban viii. Service Level Agreement (SLA) Reporting
Pelaporan; Obligations;
ix. iLaporan Sosialisasi dan Pelatihan; ix. Socialization and Training Report;
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Laporan penerapan Program APU, PPT, dan The report on the implementation of the APU,
PPPSPM sepanjang Tahun 2023 sebagaimana PPT and PPPSPM programs throughout 2023 as
dimaksud disampaikan oleh Direksi kepada Dewan intended is submitted by the Board of Directors to
Komisaris the Board of Commissioners
Selain laporan tertulis di atas, Direksi juga In addition to the written report above, the Board
melakukan rapat insidental dengan memperhatikan of Directors also holds incidental meetings to
perkembangan yang terjadi berkaitan dengan pay attention to developments related to the
penerapan Program APU, PPT, dan PPPSPM. implementation of the APU, PPT and PPPSPM
Programs.
Dalam upaya menciptakan komunikasi yang In an effort to create effective communication,
efektif, sepanjang Tahun 2023 Direksi dan Pejabat throughout 2023 the Directors and Special Work
Unit Kerja Khusus telah melakukan korespondensi Unit Officials have carried out correspondence
dengan Lembaga Pengawas dan Pengatur with Supervisory and Regulatory Institutions
2. Kecukupan Kebijakan dan Prosedur 2. Adequacy of Policies and Procedures
Kebijakan dan prosedur tertulis mengenai The policies and procedures regarding the
penerapan Program APU, PPT, dan PPPSPM diatur implementation of the APU, PPT and PPPSPM
melalui Peraturan Direksi Nomor 59 Tahun 2023 Programs are regulated through Directors
Tentang Pedoman Penerapan Program APU, PPT, Regulation Number 59 of 2023 concerning
dan PPPSPM. Pedoman tersebut merujuk pada: Guidelines for Implementing the APU, PPT and
PPPSPM Programs. The guidelines refer to:
a. Peraturan Otoritas Jasa Keuangan Nomor 8 a. Financial Services Authority Regulation
Tahun 2023 Tentang Penerapan Program Anti Number 8 of 2023 concerning Implementation
Pencucian Uang, Pencegahan Pendanaan of Anti-Money Laundering Programs,
Terorisme, dan Pencegahan Pendanaan Prevention of Terrorism Financing, and
Proliferasi Senjata Pemusnah Massal di Sektor Prevention of Funding for the Proliferation of
Jasa Keuangan; dan Weapons of Mass Destruction in the Financial
Services Sector; And
b. Peraturan Bank Indonesia Nomor 19/10/ b. Bank Indonesia Regulation Number 19/10/
PBI/2017 Tentang Penerapan Anti Pencucian PBI/2017 concerning Implementation of Anti-
Uang dan Pencegahan Pendanaan Terorisme Money Laundering and Prevention of Terrorism
Bagi Penyelenggara Jasa Sistem Pembayaran Financing for Non-Bank Payment System
Selain Bank dan Penyelenggara Kegiatan Usaha Service Providers and Non-Bank Foreign
Penukaran Valuta Asing Bukan Bank. Exchange Business Activity Organizers.
Sebagai tindak lanjut atas ditetapkannya Peraturan As a follow-up to the stipulation of Directors’
Direksi Nomor 59 Tahun 2023 Tentang Pedoman Regulation Number 59 of 2023 concerning
Penerapan Program APU, PPT, dan PPPSPM, Guidelines for Implementing the APU, PPT and
Perusahaan telah menerbitkan Surat Edaran Nomor PPPSPM Programs, the Company has issued
237 Tahun 2023 Tentang Petunjuk Pelaksanaan Circular Letter Number 237 of 2023 concerning
Kewajiban Pelaporan pada Penerapan Program Guidelines for Implementing Reporting Obligations
APU, PPT, dan PPPSPM. in the Implementation of the APU, PPT and
PPPSPM Programs.
3. Pengendalian Intern 3. Internal Control
Pengendalian Intern atas penerapan program APU Internal control over the implementation of the
dan PPT diterapkan dengan cara antara lain: APU and PPT programs is implemented by means
of, among others:
a. Pengendalian Intern diimplementasikan a. Internal Control is implemented using the
menggunakan prinsip Three Lines of Defense, Three Lines of Defense principle, namely the
yaitu Unit Kerja Operasional sebagai First Line Operational Work Unit as the First Line of
Defense, Divisi Kepatuhan sebagai Second Defense, the Compliance Division as the Second
Line Defense dan Satuan Pengawasan Intern Line of Defense and the Internal Control Unit as
sebagai Third Line Defense; the Third Line of Defense;
PT Pegadaian | 2023 Annual Report 641
Page 642
Tata Kelola Perusahaan
Corporate Governance
b. Dilakukannya Penilaian risiko Tindak Pidana b. Risk Assessment of the Company’s Money
Pencucian Uang dan Tindak Pidana Pendanaan Laundering and Terrorism Financing Crimes
Terorisme Perseroan dengan pendekatan was carried out using a risk-based approach;
berbasis risiko;
c. Telah dilaksanakan Audit Internal atas c. An Internal Audit has been carried out on the
penerapan program APU dan PPT pada implementation of the AML and CFT programs
Perseroan. in the Company.
4. Sistem Manajemen Informasi dan Manajemen 4. Information Management System and Risk
Risiko Management
a. Sistem Manajemen Informasi a. Information Management System
Dalam mendukung efektivitas kegiatan To support the effectiveness of customer
pemantauan profil dan transaksi nasabah, profile and transaction monitoring activities,
Perusahaan memiliki sistem manajemen the Company has an information management
informasi dan aplikasi untuk memantau, system and applications to monitor, identify,
mengidentifikasi, menganalisa dan analyze and provide reports with transaction
menyediakan laporan dengan karakteristik characteristics based on customer risk levels.
transaksi berdasarkan tingkat risiko nasabah.
b. Manajemen Risiko b. Risk management
Perusahaan menerapkan proses manajemen The company implements a risk management
risiko dalam penerapan program APU, PPT, dan process in implementing the APU, PPT
PPPSPM yang meliputi identifikasi, penilaian, and PPPSPM programs which includes
pengendalian dan mitigasi risiko. Metode yang risk identification, assessment, control and
digunakan dengan pendekatan berbasis risiko mitigation. The method used is a risk-based
(Risk Based Approach) dengan memperhatikan approach (Risk Based Approach) taking into
faktor Nasabah, Wilayah Geografis/Negara, account Customer factors, Geographical
Produk/Jasa dan Jaringan Distribusi. Region/Country, Products/Services and
Distribution Network.
Hasil penilaian tersebut menghasilkan profiling The results of this assessment produce
risiko Nasabah yang terbagi atas 3 (tiga) customer risk profiling which is divided into
tingkatan yaitu: Nasabah Risiko TIngkat Tinggi, 3 (three) levels, namely: High Level, Medium
Tingkat Sedang, dan TIngkat Rendah. Level and Low Level Risk Customers.
Berdasarkan pemetaan tingkat risiko nasabah Based on the mapping of the customer’s risk
tersebut, dilakukan upaya mitigasi risiko yaitu: level, risk mitigation efforts are carried out,
namely:
i. Memantau transaksi Nasabah risiko tinggi; i. Monitoring high risk Customer transactions;
ii. Melakukan enhanced due diligence;. ii. Carry out enhanced due diligence;
iii. Melakukan upaya pengkinian data Nasabah iii. Make efforts to update customer data.
5. Sumber Daya Manusia dan Pelatihan 5. Human Resources and Training
a. Penerapan Prinsip Know Your Employee a. Implementation of Know Your Employee
Principles
Dalam rangka mencegah dijadikannya In order to prevent the Company from being
Perusahaan sebagai media atau tujuan TPPU, used as a medium or destination for TPPU,
TPPT, dan/atau PPSPM yang melibatkan TPPT, and/or PPSPM involving internal
karyawan internal, Perusahaan melalui unit employees, the Company, through the work unit
kerja yang membidangi Human Capital in charge of Human Capital, implements a pre-
menerapkan mekanisme pre-employee employee screening mechanism in the process
screening dalam proses penerimaan calon of recruiting prospective employees, both
karyawan, baik pegawai tetap maupun permanent and non-permanent employees
pegawai tidak tetap termasuk tenaga ahli, dari including expert staff, from the lowest level up
mulai tingkat paling rendah sampai dengan to 1 (one) level below the Board of Directors
1 (satu) tingkat di bawah Direksi dan Dewan and Board of Commissioners strictly and
Komisaris secara ketat dan independent. independently.
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Selain pemeriksaan kesesuaian calon karyawan Aside from checking the suitability of prospective new
baru dengan DTTOT dan DPPSPM, Perusahaan employees with DTTOT and DPPSPM, the Company
melaksanakan background checking carries out background checking
b. Realisasi Pelaksanaan Pelatihan Tahun 2023 b. Realization of Training Implementation in 2023
Pelatihan Bagi Karyawan Unit Kerja Khusus Training for Special Work Unit Employees
Sepanjang Tahun 2023, Perusahaan telah Throughout 2023, the Company has invited
mengikutkan seluruh karyawan Unit Kerja all Special Work Unit employees to take part
Khusus untuk mengikuti pelatihan dalam in training in order to strengthen employee
rangka menguatkan pemahaman karyawan understanding of the implementation of the
terhadap penerapan Program APU, PPT, dan APU, PPT and PPPSPM Programs. Training for
PPPSPM. Pelatihan Bagi Seluruh Karyawan all employees
Selain melaksanakan pelatihan bagi Aside from carrying out training for Special Work Unit
karyawan Unit Kerja Khusus, Perusahaan juga employees, the Company also provides training for all
memberikan pelatihan bagi seluruh karyawan employees carried out by the Special Work Unit.
yang dilaksanakan oleh Unit Kerja Khusus.
Penerapan Program APU, PPT dan Implementation of APU and PPT
PPPSPM pada Perusahaan Anak Programs in Subsidiaries
Sebagai bentuk tanggung jawab untuk memastikan In addition to implementing the AML and CFT
penerapan program APU, PPT dan PPPSPM telah programs in the Company, as a form of responsibility
berjalan dengan efektif di seluruh kantor cabang dan to ensure the implementation of the AML and CFT
unit pelayanan cabang, Divisi Kepatuhan melakukan programs has been running effectively in all branch
supervisi terhadap penerapan program APU, PPT dan offices and branch service units, the Compliance
PPPSPM di Perusahaan Anak. Division supervises the implementation of the AML,
CFT, and WMD programs in Subsidiaries.
Sebagai upaya berkesinambungan, Pegadaian As a continuous effort, Pegadaian, which is in a regulated
yang berada dalam regulated industry senantiasa industry, always develops a culture of compliance in
mengembangkan budaya kepatuhan pada setiap every aspect of its business and operational activities,
aspek kegiatan usaha dan operasionalnya, memenuhi fulfilling all compliance requirements and obligations
segala persyaratan maupun kewajiban kepatuhan even though it has not yet become mandatory for the
walau belum menjadi hal yang mandatori oleh Company by regulators.
regulator terhadap Perseroan.
Hal ini ditunjukan dengan adanya komitmen This is demonstrated by Management’s commitment
dari Manajemen terhadap penerapan kepatuhan to the implementation of sustainable compliance,
berkelanjutan yang ditunjukkan baik melalui kebijakan, which is demonstrated through policies, business plan
rumusan rencana bisnis, maupun arahan strategis formulation and strategic direction within the Company.
di lingkungan Perusahaan. Saat ini Perseroan Currently, the Company has policies, guidelines
telah memiliki kebijakan, pedoman dan petunjuk and instructions for implementing compliance
pelaksanaan kepatuhan yang menjabarkan tugas which outline the duties and responsibilities of the
dan tanggung jawab Unit Kerja Kepatuhan dalam Compliance Work Unit in carrying out the compliance
menjalankan fungsi kepatuhan. function.
Struktur Organisasi Fungsi Kepatuhan Compliance Function Organizational
Structure
Organisasi yang menjalankan fungsi kepatuhan diatur Organizations that carry out the compliance function
dalam kebijakan kepatuhan Perseroan yang lebih are regulated in the Company’s compliance policy
lanjut dijabarkan secara detail dalam pedoman dan which is further elaborated in detail in compliance
petunjuk pelaksanaan kepatuhan. Organisasi tersebut guidelines and instructions. The organization consists
terdiri atas: of:
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Tata Kelola Perusahaan
Corporate Governance
1. Direktur yang Membawahi Fungsi Kepatuhan 1. Directors in Charge under of Compliance Function
Pelaksanaan fungsi kepatuhan Berada di bawah The implementation of the compliance function
Supervisi Direktur Manajemen Risiko, Legal dan is under the supervision of the Director of Human
Kepatuhan. Direktur Human Capital, Legal dan Capital, Legal and Compliance.
Kepatuhan.
2. Satuan Kerja Kepatuhan 2. Compliance Work Unit
Unit Kerja yang berperan sebagai Satuan Kerja The work unit that acts as the Compliance Work
Kepatuhan pada Perseroan yang bertanggung Unit in the Company is directly responsible to the
jawab langsung kepada Direktur Manajemen Risiko, Director of Human Capital, Legal and Compliance,
Legal dan Kepatuhan adalah Divisi Kepatuhan. namely the Compliance Division.
Direktorat Human Capital, Legal dan
Compliance
Directorate of Human Capital,
Legal and Compliance
Divisi Kepatuhan (Kepala Divisi)
Compliance Division
(Head of Division)
Dept. Kebijakan & Prosedur Korporasi
Dep. Compliance & Quality Assurance Dep. Good Corporate Governance
(Kepala Dept. Kebijakan &
(Kepala Dept. Compliance & QA) (Kepala Dept. Good
Prosedur Korporasi)
Dept. Compliance & Quality Assurance Corporate Governance)
Dept. Corporate Policies & Procedures
(Head of Compliance & QA) Dept. Good Corporate Governance
(Head of Policy & Procedure)
Pengawasan Aktif Dewan Komisaris The Board of Commissioners’ Active
terhadap Fungsi Kepatuhan Supervision of the Compliance
Function
Dewan Komisaris melakukan pengawasan terhadap The Board of Commissioners supervises management
kebijakan pengurusan, jalannya pengurusan pada policies, the general management of both the Company
umumnya baik mengenai Perseroan maupun usaha and the Company’s business carried out by the Board of
Perseroan yang dilakukan Direksi serta memberikan Directors and provides advice to the Board of Directors
nasihat kepada Direksi termasuk pengawasan terhadap including supervising the implementation of the RJPP,
pelaksanaan RJPP, RKAP, ketentuan Anggaran Dasar, RKAP, provisions of the Articles of Association, GMS
Keputusan RUPS dan peraturan perundang-undangan Resolutions and applicable laws and regulations, for
yang berlaku, untuk kepentingan Perseroan dan sesuai the benefit of Company and in accordance with the
dengan maksud dan tujuan Perseroan. aims and objectives of the Company.
Direktur yang Membawahi Fungsi Director in Charge of Compliance
Kepatuhan Function
Sesuai dengan kebijakan dan prosedur yang ada pada In accordance with the policies and procedures that
Perseroan tentang fungsi kepatuhan, Direktur Human exist in the Company regarding the compliance
Capital, Legal dan Compliance memiliki deskripsi function, the Senior Executive Vice President of
tugas dan tanggung jawab yaitu: Risk Management has a description of duties and
responsibilities, namely:
1. Menyusun rencana kerja yang diperlukan untuk 1. Prepare work plans needed to ensure the
memastikan perusahaan memenuhi Pedoman company complies with the Guidelines for the
Penerapan Governansi Korporat melalui program Implementation of Good Corporate Governance
kerja pada Divisi terkait yang menangani (GCG) through work programs in the relevant
pelaksanaan Governansi Korporat; Divisions that handle the implementation of Good
Corporate Governance;
2. Memantau dan menjaga agar kegiatan usaha 2. Monitor and maintain that the Company’s business
Perseroan tidak menyimpang dari ketentuan yang activities do not deviate from the applicable
berlaku; regulations;
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3. Memantau dan menjaga kepatuhan Perseroan 3. Monitor and maintain the Company’s compliance
terhadap seluruh perjanjian dan komitmen yang with all agreements and commitments made by
dibuat oleh Perseroan dengan pihak ketiga; the Company with third parties;
4. Menyampaikan laporan mengenai pelaksanaan 4. Submit a report on the implementation of Good
Governansi Korporat. Corporate Governance (GCG).
Satuan Kerja Kepatuhan Compliance Work Unit
Dalam melaksanakan tugas dan tanggung jawab fungsi In carrying out the duties and responsibilities of the
kepatuhan, fungsi kepatuhan harus memperhatikan compliance function, the compliance function must
hal-hal sebagai berikut: pay attention to the following matters:
1. Para pihak yang termasuk dalam organisasi 1. The parties included in the compliance organization
kepatuhan dilarang melakukan tindakan yang are prohibited from taking actions that have a
memiliki benturan kepentingan (conflict of conflict of interest.
interest).
2. Mengambil keuntungan pribadi, dari pengambil 2. Take personal advantage, from the decision maker
keputusan dan/atau pelaksanaan kegiatan and/or implementation of the Company’s activities.
Perusahaan.
3. Memiliki komitmen yang tinggi untuk melaksanakan 3. Have a high commitment to implementing and
dan mengembangkan Budaya Kepatuhan. developing a Compliance Culture.
Adapun tugas dan tanggung jawab Divisi Kepatuhan The duties and responsibilities of the Compliance
dalam pelaksanaan fungsi kepatuhan, yaitu: Division in implementing the compliance function are:
1. Membuat langkah untuk mendukung terciptanya 1. Make steps to support the creation of a Compliance
Budaya Kepatuhan pada seluruh kegiatan usaha Culture in all of the Company’s business activities
Perusahaan pada setiap jenjang organisasi; at every level of the organization;
2. Mengusulkan kebijakan kepatuhan atau prinsip 2. Propose compliance policies or compliance
prinsip kepatuhan yang akan ditetapkan oleh principles to be determined by the Board of
Direksi; Directors;
3. Melakukan identifikasi, pengukuran, pemantauan, 3. Identify, measure, monitor, and control Compliance
dan pengendalian terhadap Risiko Kepatuhan; Risk;
4. Melakukan pengujian kepatuhan terhadap 4. Conduct compliance testing of Company Policies,
Kebijakan, Pedoman, dan Petunjuk Teknis Guidelines and Technical Instructions through:
Perusahaan melalui:
a. Menilai dan mengevaluasi efektivitas, a. Assess and evaluate the effectiveness,
kecukupan, dan kesesuaian kebijakan, adequacy and suitability of policies, guidelines
pedoman, maupun petunjuk teknis yang dimiliki and technical instructions owned by the
oleh Perseroan dengan ketentuan peraturan Company with the provisions of laws and
perundang undangan; regulations;
b. Melakukan kaji ulang dan merekomendasikan b. Reviewing and recommending updates and
pengkinian serta penyempurnaan Kebijakan, improvements to the Company’s Policies,
Pedoman, maupun Petunjuk Teknis yang Guidelines and Technical Instructions to comply
dimiliki oleh Perusahaan agar sesuai dengan with the provisions of laws and regulations,
ketentuan peraturan perundang-undangan, including sharia principles for Sharia Business
termasuk prinsip syariah bagi Unit Usaha Units;
Syariah;
c. Melakukan upaya untuk memastikan bahwa c. Make efforts to ensure that the Company’s
kebijakan, pedoman, petunjuk teknis serta policies, guidelines, technical instructions and
kegiatan usaha Perseroan telah sesuai dengan business activities comply with the provisions
ketentuan peraturan perundang-undangan; of laws and regulations;
5. Menerbitkan pernyataan terhadap dokumen 5. Issuing statements on policy documents in the
kebijakan di Perseroan atas Kepatuhan terhadap Company for compliance with external and internal
regulasi eksternal dan internal; regulations;
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Tata Kelola Perusahaan
Corporate Governance
6. Menjadi peringatan dini terhadap setiap kebijakan 6. Become an early warning against any policies
dan keputusan yang berpotensi melanggar atau and decisions that have the potential to violate or
menyimpang dari ketentuan perundang-undangan, deviate from statutory provisions, sharia principles,
prinsip syariah, dan peraturan Internal Perusahaan; and internal company regulations;
7. Mengelola risiko kepatuhan yang dapat 7. Manage compliance risks that can cause losses to
menimbulkan kerugian bagi Perseroan; dan the Company; and
8. Melakukan tugas lain yang terkait dengan fungsi 8. Perform other tasks related to the compliance
kepatuhan function.
Pengembangan Kompetensi Divisi Compliance Division Competency
Kepatuhan Development
Dalam rangka penerapan Fungsi Kepatuhan yang In order to implement the effective and targeted
berdaya guna serta tepat sasaran, Perseroan Compliance Function, the Company is committed
berkomitmen melakukan pengembangan kompetensi to developing competence for each employee in the
kepada setiap karyawan yang berada pada Divisi Compliance Division and the compliance function
Kepatuhan maupun fungsi kepatuhan yang ada in other Work Units. Throughout 2023 several
pada Unit Kerja lainnya. Sepanjang tahun 2023, telah competency developments have been carried out,
dilaksanakan beberapa pengembangan kompetensi, namely:
yaitu:
1. Sosialisasi Komitmen Insan Pegadaian dalam 1. Socialization of Pegadaian People’s Commitment
Penerapan Good Corporate Governance Pada 17 in Implementing Good Corporate Governance on
Februari 2023 February 17 2023
2. Sosialisasi Program Anti Pencucian Uang dan 2. Socialization of Anti-Money Laundering and
Pencegahan Pendanaan Terorisme Kanwil V Terrorism Financing Prevention Program Manado
Manado pada 21 Februari 2023 Regional Office V on February 21 2023
3. Webinar Cara Handal Mitigasi Risiko Hukum Melalui 3. Webinar on Reliable Ways to Mitigate Legal Risks
Know Your Customer pada 4 Februari 2023 Through Know Your Customer on February 4 2023
4. Sosialisasi Monitoring dan Evaluasi Program 4. Socialization of Monitoring and Evaluation of the
Pengendalian Gratifikasi Gratification Control Program
5. Sosialisasi Budaya Kepatuhan Bagi Departemen 5. Socialization of Compliance Culture for the Risk
Manajemen Risiko dan Satuan Pengawas Intern Management Department and Regional Office
Kantor Wilayah 10 April 2023 Internal Supervisory Units April 10 2023
6. Sosialisasi Implementasi Budaya Kepatuhan pada 6. Socialization of Compliance Culture Implementation
CPS Bireun & CPS Lhokesumawe pada 11 Mei 2023 at CPS Bireun & CPS Lhokesumawe on May 11 2023
7. Sosialisasi Implementasi Budaya Kepatuhan 7. Socialization of the Implementation of Compliance
Kanwil Manado pada 5 - 11 Mei 2023 Culture at the Manado Regional Office on 5 - 11 May
2023
8. Sosialisasi SMAP dan Pengendalian Gratifikasi 8. Socialization of SMAP and Gratification Control for
bagi Vendor Perusahaan pada 13 April 2023 Company Vendors on April 13 2023
9. Sosialisasi Sistem Manajemen Anti Penyuapan 9. Socialization of the Palembang Regional Office’s
Kanwil Palembang pada 16 Mei 2023 Anti-Bribery Management System on May 16 2023
10. Sosialisasi Sistem Manajemen Anti Penyuapan CP 10. Socialization of the CP Salemba Anti-Bribery
Salemba pada 22 Mei 2023 Management System on May 22 2023
11. Sosialisasi Sistem Manajemen Anti Penyuapan 11. Socialization of the CPS Kramat Raya Anti-Bribery
CPS Kramat Raya pada 30 Mei 2024 Management System on May 30 2024
12. Sosialisasi Pengendalian Gratifikasi Melalui 12. Socialization of Gratification Control via Podcast
Podcast Bagi Seluruh Karyawan pada 30 Mei 2023 for All Employees on May 30 2023
13. Sosialisasi Sistem Manajemen Anti Penyuapan 13. Socialization of the Anti-Bribery and Gratification
dan Gratifikasi pada 27 Juni 2023 Management System on June 27 2023
14. Sosialisasi Standar Etika Bisnis dan Perilaku (Code 14. Socialization of Business Ethics and Behavior
of Conduct) pada April 2023 Standards (Code of Conduct) in April 2023
15. Sosialisasi APU & PPT Persiapan Location Review 15. APU & PPT Socialization Preparation for WU
WU Indonesia pada April 2023 Indonesia Location Review in April 2023
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16. Sosialisasi APU & PPT Kanwil VII Denpasar pada 16. Socialization of APU & PPT Kanwil VII Denpasar in
April 2023 April 2023
17. Pelatihan Implementasi Budaya Kepatuhan Kanwil 17. Compliance Culture Implementation Training for
IX Jakarta pada 23 Mei 2023 Regional Office IX Jakarta on May 23 2023
18. Pelatihan Budaya Kepatuhan pada Kegiatan 18. Compliance Culture Training at the Jatiwaringin
Refreshing Penaksir Area Jatiwaringin pada 17 Area Assessor Refreshing Activity on June 17 2023
Juni 2023
19. Pelatihan Budaya Kepatuhan pada Kegiatan 19. Compliance Culture Training at the Bogor Area
Refreshing Penaksir Area Bogor pada 18 Juni 2023 Assessor Refreshing Activity on June 18 2023
20. Pelatihan Budaya Kepatuhan pada Kegiatan 20. Compliance Culture Training at the Kramat Jati
Refreshing Penaksir Area Kramat Jati pada 24 Area Assessor Refreshing Activity on June 24 2023
Juni 2023
21. Pelatihan Implementasi Budaya Kepatuhan 21. Bekasi Area Office Compliance Culture
Kantor Area Bekasi pada 28 Mei 2023 Implementation Training on May 28 2023
22. Sosialisasi Peraturan Menteri Badan Usaha Milik 22. Socialization of Minister of State-Owned Enterprises
Negara Nomor PER-2/MBU/03/ 2023 dan Nomor Regulation Number PER-2/MBU/03/2023 and
PER-3/MBU/03/2023 pada 31 Agustus 2023 Number PER-3/MBU/03/2023 on 31 August 2023
23. Sosialisasi Culture Team Weekly briefing Budaya 23. Socialization of Culture Team Weekly briefing
Kepatuhan - Pengendalian Gratifikasi pada 25 Juli Compliance Culture - Gratification Control on July
2023 25 2023
24. Sosialisasi Sistem Manajemen Anti Penyuapan 24. Socialization of the Anti-Bribery Management
(SMAP) pada CPS Metro Boulevard Cikarang System (SMAP) at CPS Metro Boulevard Cikarang
pada 14 Juli 2023 on July 14 2023
25. Webinar “Membangun Budaya Kepatuhan Secara 25. Webinar “Building a Sustainable Compliance
Berkelanjutan” pada 13 Juli 2023 Culture” on July 13 2023
26. Pelatihan Sistem Manajemen Kepatuhan 26. Compliance Management System Training Based
Berdasarkan ISO 37301:2021 pada 28 Juli 2023 on ISO 37301:2021 on 28 July 2023
27. Sosialisasi Monthly Briefing Change Leader 27. Monthly Briefing Change Leader (MBCL)
(MBCL) dengan tema “Pengendalian Gratifikasi, socialization with the theme “Controlling
Penanganan Benturan Kepentingan & Penerapan Gratification, Handling Conflicts of Interest &
RAKB melalui Program GLAM di Unit Kerja” pada Implementing RAKB through the GLAM Program
12 September 2023 in Work Units” on September 12 2023
28. Sosialisasi Monthly Briefing Change Leader 28. Socialization of the Monthly Briefing Change
(MBCL) Budaya Kepatuhan edisi Standar Etika Leader (MBCL) Compliance Culture Standard
Bisnis Perilaku dan SMAP pada 24 Juli 2023 Edition of Business Ethics Behavior and SMAP on
July 24 2023
29. Monthly Briefing Change Agent : Implementasi 29. Monthly Briefing Change Agent: Implementation
Prinsip Mengenali Pengguna Jasa pada 10 of the Principles of Recognizing Service Users on
Agustus 2023 10 August 2023
30. Pelatihan Budaya Kepatuhan Program Penaksir 30. Compliance Culture Training for the 2023 Young
Muda Tahun 2023 pada Agustus 2023 Appraiser Program in August 2023
31. Pelatihan Budaya Kepatuhan Program Penaksir 31. Compliance Culture Training for the 2023 Young
Muda Tahun 2023 pada 13 September 2023 Appraiser Program on September 13 2023
32. Sosialisasi Sistem Manajemen Anti Penyuapan 32. Socialization of the Anti-Bribery Management
pada Gathering Vendor pada 16 November 2023 System at the Vendor Gathering on November 16
2023
33. Sharing Session Pengkinian Data Nasabah di 33. Sharing Session for Updating Customer Data at the
Kanwil Surabaya pada 14 Desember 2023 Surabaya Regional Office on December 14 2023
34. Sharing Session Pengkinian Data Nasabah di 34. Sharing Session for Updating Customer Data at
Kanwil Manado pada 18 Desember 2023 the Manado Regional Office on December 18 2023
35. Sharing Session Pengkinian Data Nasabah di 35. Sharing Session for Updating Customer Data
Kanwil Jakarta 1 & Jakarta 2 pada 19 Desember at the Jakarta 1 & Jakarta 2 Regional Offices on
2023 December 19 2023
36. Sharing Session Pengkinian Data Nasabah di 36. Sharing Session for Updating Customer Data at the
Kanwil Bandung pada 20 Desember 2023 Bandung Regional Office on December 20 2023
PT Pegadaian | 2023 Annual Report 647
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Tata Kelola Perusahaan
Corporate Governance
37. Workshop The Urgency of Data Privacy, Quality 37. Workshop on The Urgency of Data Privacy, Quality
and Security Kanwil Balikpapan pada 6 Oktober and Security Balikpapan Regional Office on
2023 October 6 2023
38. Workshop The Urgency of Data Privacy, Quality 38. Workshop on The Urgency of Data Privacy, Quality
and Security Kanwil Semarang pada 19 Oktober and Security Semarang Regional Office on October
2023 19 2023
39. Workshop The Urgency of Data Privacy, Quality 39. Workshop on The Urgency of Data Privacy, Quality
and Security Kanwil Palembang pada 23 Oktober and Security Palembang Regional Office on
2023 October 23 2023
40. Workshop The Urgency of Data Privacy, Quality 40. Workshop on The Urgency of Data Privacy, Quality
and Security Kanwil Denpasar pada 25 Oktober and Security Denpasar Regional Office on October
2023 25 2023
41. Workshop The Urgency of Data Privacy, Quality 41. Workshop on The Urgency of Data Privacy, Quality
and Security Kanwil Jakarta II pada 26 Oktober and Security Jakarta Regional Office II on October
2023 26 2023
42. Workshop The Urgency of Data Privacy, Quality 42. Workshop on The Urgency of Data Privacy, Quality
and Security Kanwil Manado pada 1 November and Security Manado Regional Office on November
2023 1 2023
43. Workshop The Urgency of Data Privacy, Quality 43. Workshop on The Urgency of Data Privacy,
and Security Kanwil Bandung pada 2 November Quality and Security Bandung Regional Office on
2023 November 2 2023
44. Workshop The Urgency of Data Privacy, Quality 44. Workshop on The Urgency of Data Privacy,
and Security Kanwil Makassar pada 3 November Quality and Security Makassar Regional Office on
2023 November 3 2023
45. Workshop The Urgency of Data Privacy, Quality 45. Workshop on The Urgency of Data Privacy, Quality
and Security Kanwil Medan pada 9 November and Security Medan Regional Office on November
2023 9 2023
46. Workshop The Urgency of Data Privacy, Quality 46. Workshop on The Urgency of Data Privacy,
and Security Kanwil Surabaya pada 15 November Quality and Security, Surabaya Regional Office on
2023 November 15 2023
47. Workshop The Urgency of Data Privacy, Quality 47. Workshop on The Urgency of Data Privacy,
and Security Kanwil Jakarta I pada 16 November Quality and Security Jakarta Regional Office I on
2023 November 16 2023
48. Workshop The Urgency of Data Privacy, 48. Workshop on The Urgency of Data Privacy, Quality
Quality and Security Kanwil Pekanbaru pada 23 and Security Pekanbaru Regional Office on
November 2023 November 23 2023
49. E-Learning Pemahaman Terhadap Penerapan Tata 49. E-Learning Understanding the Implementation of
Kelola Perusahaan Yang Baik Tahun 2023 (Modul Good Corporate Governance in 2023 (Coruption
Penguatan Integritas Pencegahan Korupsi - Materi Prevention Integrity Strengthening Module -
Benturan Kepentingan - Materi Pengendalian Conflict of Interest Material - Gratification Control
Gratifikasi - Materi Standar Etika Bisnis dan Etika Material - Standard Business Ethics and Behavioral
Perilaku) pada Oktober - November 2023 Ethics Material) in October - November 2023
Pelaksanaan Program Kerja Divisi Implementation of the 2023 Compliance
Kepatuhan Tahun 2023 Division Work Program
Program Perseroan secara berkelanjutan memastikan The Company continuously ensures that its data,
data, sistem, dan proses yang dimiliki mengikuti systems and processes follow the dynamics of the
dinamika bisnis Perseroan. Sepanjang tahun 2023, Company’s business. Throughout 2023 as output
sebagai output implementasi kepatuhan tercatat data of compliance implementation the following data is
sebagai berikut: recorded:
648 Laporan Tahunan 2023 | PT Pegadaian
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Program Kerja
No Output
Work Program
Sertifikasi Sistem Manajemen Anti Penyuapan ISO 8 Unit Kerja Perusahaan memperoleh sertifikasi Sistem
37001:2016 Manajemen Anti Penyuapan ISO 37001:2016
1
ISO 37001:2016 Anti-Bribery Management System 8 Company Work Units obtained ISO 37001:2016 Anti-
Certification Bribery Management System certification
Pengukuran tingkat maturitas kepatuhan Perusahaan
Skor Maturitas Kepatuhan 3,96 dari skala 5
2 Measurement of the Company's compliance maturity
Compliance Maturity Score 3.96 on a scale of 5
level
Pengukuran tingkat maturitas tata kelola Perusahaan
Skor Maturitas Kepatuhan 4,03 dari skala 5
3 Measurement of the maturity level of corporate
Compliance Maturity Score 4.03 on a scale of 5
governance
Corporate Governance Perception Index (CGPI) Skor 88,42
4
Corporate Governance Perception Index (CGPI) Score 88.42
Alignment dan Enhancing Policy & Procedure
Governance 14 Kebijakan terselaras
5
Alignment and Enhancing Policy & Procedure 14 Aligned policies
Governance
Tingkat risiko denda atas kewajiban pelaporan Tidak terdapat sanksi denda dari regulator yang dikenakan
terhadap pendapatan operasional kepada Perusahaan
6
Level of risk of fines for reporting obligations on There are no fines from the regulator imposed on the
operational income Company
Evaluasi Efektivitas Fungsi Kepatuhan Evaluation of the Effectiveness of the
Compliance Function
Dalam penerapan Fungsi Kepatuhan, Divisi Kepatuhan In implementing the Compliance Function, the
melakukan evaluasi terhadap penerapan fungsi Compliance Division evaluates the implementation of
kepatuhan melalui berbagai tahapan sebagai berikut: the compliance function. The stages are as follows:
1. Pemantauan pelaksanaan fungsi kepatuhan 1. Monitoring the implementation of the compliance
dilakukan pada setiap tingkatan Perseroan; function is carried out at every level of the
Company;
2. Melaksanakan tinjauan manajemen terhadap 2. Carry out management reviews of policies,
kebijakan, pedoman, dan petunjuk pelaksanaan guidelines and implementation instructions at
minimal 1 (satu) kali dalam 2 (dua) tahun; least 1 (one) time in 2 (two) years;
3. Hasil tinjauan manajemen menjadi dasar 3. The results of management review serve as the
peningkatan berkelanjutan pelaksanaan kepatuhan basis for continuous improvement of compliance
di Perusahaan. implementation in the Company.
Laporan Harta Kekayaan State Administration Wealth Report
Penyelenggara Negara
Prinsip Dasar Laporan Harta Kekayaan Basic Principles of State Administration
Penyelenggara Negara Wealth Report
Sebagai BUMN yang dimiliki oleh Negara melalui As a Company owned by the State through the
Pemerintah Indonesia, Perseroan wajib mentaati Government of Indonesia, the Company is obliged
peraturan perundang-undangan yang mengikat. Salah to comply with binding laws and regulations. One
satu bentuk peraturan perundang-undangan yang form of legislation that is based on the spirit of
dilandasi oleh semangat pemberantasan korupsi dan eradicating corruption and acts of internal deviation
tindakan penyimpangan internal adalah kewajiban is the obligation to report on the wealth of state
Laporan Harta Kekayaan Penyelenggara Negara administrators (LHKPN).
(LHKPN).
LHKPN merupakan daftar seluruh Harta Kekayaan LHKPN is a list of all state administrators’ assets
Penyelenggara Negara yang dituangkan dalam formulir as outlined in the LHKPN form stipulated by the
LHKPN yang ditetapkan oleh Komisi Pemberantasan Corruption Eradication Commission (KPK) as
Korupsi (KPK) sebagaimana yang diatur dalam stipulated in KPK Decree No. KEP 07/KPK/02/2005
Keputusan KPK No. KEP 07/KPK/02/2005 tentang concerning Procedures for Registration, Examination
Tata Cara Pendaftaran, Pemeriksaan dan Pengumuman and Announcement of State Officials Wealth Reports.
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Tata Kelola Perusahaan
Corporate Governance
Laporan Harta Kekayaan Penyelenggara Negara. Law No. 30 of 2002 concerning the Corruption
Undang-Undang No. 30 Tahun 2002 tentang Komisi Eradication Commission emphasizes the authority
Pemberantasan Tindak Pidana Korupsi menegaskan of the KPK to carry out steps or efforts to prevent
wewenang KPK melaksanakan langkah atau upaya corruption, including through registration and
pencegahan korupsi antara lain melalui pendaftaran examination of LHKPN.
dan pemeriksaan terhadap LHKPN.
Selain itu, Undang-Undang No. 28 Tahun 1999 tentang In addition, Law No. 28 of 1999 concerning State
Penyelenggara Negara Yang Bersih dan Bebas dari Organizers who are Clean and Free from Corruption,
Korupsi, Kolusi, dan Nepotisme, mengamanatkan Collusion, and Nepotism, stipulates that every
bahwa setiap penyelenggara wajib melaporkan dan administrator is required to report and announce his
mengumumkan Harta Kekayaannya sebelum dan assets before and after taking office and to be willing to
setelah memangku jabatan serta bersedia diperiksa have his assets examined before and after taking office.
kekayaannya sebelum dan setelah menjabat. Dalam In Law No. 28 of 1999 article 2 (7) and its explanation,
Undang-Undang No. 28 Tahun 1999 pasal 2 (7) beserta it is explained that other officials who have strategic
penjelasannya, diuraikan bahwa pejabat lain yang functions in relation to state administrators include the
memiliki fungsi strategis dalam kaitannya dengan Board of Commissioners, Board of Directors and other
penyelenggara negara termasuk Dewan Komisaris, structural officials in State-Owned Enterprises (SOEs)
Direksi, dan pejabat struktural lainnya pada Badan and Regional-Owned Enterprises (ROEs) .
Usaha Milik Negara (BUMN) dan Badan Usaha Milik
Daerah (BUMD).
Pemeriksaan LHKPN yang disampaikan kepada KPK The LHKPN examination submitted to the Corruption
bertujuan untuk mewujudkan Penyelenggara Negara Eradication Committee aims to create state
yang menaati asas-asas umum penyelenggara negara administrators who adhere to the general principles
yang bebas dari praktik korupsi, kolusi, dan nepotisme, of state administrators who are free from practices of
serta perbuatan tercela lainnya. Setiap Penyelenggara corruption, collusion and nepotism, as well as other
Negara dituntut untuk melaporkan kekayaannya disgraceful acts. Every State Organizer is required to
melalui formulir LHKPN yang telah disediakan KPK report his wealth through the LHKPN form that has
untuk diisi secara jujur, benar dan lengkap, agar KPK been provided by the KPK to be filled in honestly,
dapat menganalisis, mengevaluasi, serta menilai atas correctly and completely, so that the KPK can analyze,
seluruh jumlah, jenis dan nilai Harta Kekayaan yang evaluate and assess the total amount, type and value
dilaporkan, secara benar, cepat, tepat, akurat dan of reported Assets, correctly, quickly, accurately ,
bertanggung jawab. accurate and responsible.
Dasar Hukum dan Peraturan dalam Legal and Regulatory Basis for
Menerapkan LHKPN di Perseroan Implementing LHKPN in the Company
Dalam menerapkan LHKPN, Perseroan menimbang In implementing LHKPN, the Company considers
beberapa dasar hukum dan peraturan sebagai several legal and regulatory bases as the basis for
landasan cara pandang penerapan LHKPN di the perspective of implementing LHKPN within the
lingkungan Perseroan sebagai berikut: Company. The legal basis is:
1. Undang-Undang No. 28 Tahun 1999 tentang 1. Law No. 28 of 1999 concerning State Administrators
Penyelenggara Negara Yang Bersih dan Bebas who are clean and free from corruption, collusion
dari Korupsi, Kolusi, dan Nepotisme. and nepotism.
2. Undang-Undang No. 30 Tahun 2002 tentang 2. Law No. 30 of 2002 concerning the Corruption
Komisi Pemberantasan Tindak Pidana Korupsi. Eradication Commission.
3. Peraturan Menteri Negara BUMN No. PER-01/ 3. State Minister of SOEs’ Regulation No. PER-01/
BUMN/2011 tentang Penerapan Tata Kelola BUMN/2011 concerning the Implementation of
Perusahaan yang Baik (Good Corporate Good Corporate Governance in State-Owned
Governance) pada Badan Usaha Milik Negara, dan Enterprises, and its amendments.
perubahannya.
4. Keputusan Sekretaris Menteri BUMN No. SK-16/S. 4. Decree of the Secretary to the Minister of SOEs
MBU/2012 tentang Indikator/Parameter Penilaian No. SK-16/S.MBU/2012 concerning Indicators/
dan Evaluasi atas Penerapan GCG yang Baik. Parameters for Assessment and Evaluation of
Good GCG Implementation.
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5. Surat Edaran Menteri Badan Usaha Milik Negara 5. Circular of the Minister of State-Owned Enterprises
No. SE-12/MBU/10/2021 tanggal 5 Oktober 202 No. SE-12/MBU/10/2021 dated October 5, 2021.
6. Surat Direksi PT Bank Rakyat Indonesia (Persero) 6. Letter of the Board of Directors of PT Bank Rakyat
Tbk No. B-44- DIR/KEP/PSG/11/202 Indonesia (Persero), Tbk., No. B-44- DIR/KEP/
PSG/11/2021.
7. Peraturan Direksi No. 09 Tahun 2022 tentang Tata 7. Directors Regulation No. 09 of 2022 concerning
Cara Pendaftaran, pengumuman, Pemeriksaan Procedures for Registration, Announcement,
dan Pengelolaan Harta Kekayaan Penyelenggara Examination and Management of State Officials’
Negara (LHKPN). Assets (LHKPN).
Penyampaian Laporan Harta Kekayaan Submission of State Official Wealth
Pejabat Negara (LHKPN) Report (LHKPN)
Perseroan memiliki Kebijakan Kepatuhan Pelaporan The Company has a Compliance Policy for
Harta Kekayaan Penyelenggara Negara bagi Dewan Reporting Wealth of State Officials for the Board
Komisaris, Direksi dan pejabat satu tingkat di of Commissioners, Board of Directors and officials
bawah Direksi yang diatur dalam Peraturan Direksi one level below the Board of Directors which is
No. 09 Tahun 2022 tentang Tata cara pendaftaran, regulated in Board of Directors’ Regulation No. 07
pengumuman, pemeriksaan dan Pengelolaan Laporan of 2019 concerning Procedures for registration,
Harta Kekayaan Penyelenggara Negara (LHKPN). announcement, inspection and Management of State
Officials’ Wealth Reports (LHKPN).
Kebijakan LHKPN tersebut juga mengatur tentang The LHKPN policy also regulates positions in the
Jabatan dalam organisasi Perseroan yang ditetapkan Company’s organization that are designated as state
sebagai Penyelenggaraan Negara yang wajib administrators who are required to submit LHKPN to
menyampaikan LHKPN kepada KPK; Pejabat Perseroan the KPK; Company officials who are assigned to carry
yang ditugaskan melaksanakan koordinasi dengan KPK out coordination with the Corruption Eradication
berkaitan dengan pengelolaan LHKPN di lingkungan Commission related to the management of LHKPN
Perseroan; Pengenaan sanksi terhadap penyelenggara within the Company; Imposition of sanctions on state
Negara yang belum menyampaikan LHKPN sesuai administrators who have not submitted LHKPN in
dengan peraturan perundang-undangan yang berlaku. accordance with applicable laws and regulations.
Wajib Lapor LHKPN adalah Penyelenggara Negara Mandatory LHKPN Reporters are State Administrators
yang berada di lingkungan Perusahaan yang who are in the Company’s environment who are
wajib menyampaikan Laporan Harta Kekayaan required to submit State Administrators Wealth
Penyelenggara Negara (LHKPN) yaitu pejabat sebagai Reports (LHKPN), namely officials as follows:
berikut:
1. Dewan Komisaris; 1. Board of Commissioners;
2. Direksi; 2. Board of Management;
3. Senior Executive Vice President (SEVP) 3. Senior Executive Vice President (SEVP)
4. Pejabat satu tingkat dibawah Direksi yang telah 4. Officers one level below the Board of Directors
ditetapkan secara definitif; who have been definitively determined;
5. Pejabat setingkat Senior Management yang 5. Senior Management level officials who hold
menduduki jabatan profesional, staf penugasan, professional positions, assignment staff, or other
atau jabatan lain yang setingkat; positions of similar level;
6. Direksi anak perusahaan dan pengurus dana 6. Directors of subsidiary companies and pension
pensiun; fund administrators;
7. Pejabat yang ditetapkan oleh Direksi dalam 7. Officials appointed by the Board of Directors in a
Keputusan Direksi tersendiri. ‘ separate Board of Directors Decree.
Jumlah Wajib Lapor LHKPN Tahun Pelaporan 2022 The number of Compulsory LHKPN Reporters for the
yang disampaikan paling lambat 31 Maret 2023 adalah 2022 Reporting Year submitted no later than March
sebanyak 70 orang dengan tingkat pemenuhan 100% 31 2023 is 70 people with a 100% fulfillment rate of
Wajib Lapor di Pegadaian telah melaporkan secara Compulsory Reporting at Pegadaian having reported
lengkap dan tepat waktu. completely and on time.
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Tata Kelola Perusahaan
Corporate Governance
Pengadaan Barang dan Jasa Procurement of Goods and Services
Pelaksanaan Pengadaan Barang dan Jasa selalu The implementation of the procurement of goods and
mengedepankan prinsip nilai-nilai dan etika kerja services always prioritizes the principles of values and
yang sejalan dengan visi dan misi Perseroan, meliputi work ethics that are in line with the vision and mission of
efektif, efisien, kompetitif, transparan, adil dan wajar, the Company, including effective, efficient, competitive,
akuntabel, kehati-hatian, kemandirian, integritas, dan transparent, fair and reasonable, accountable, prudent,
berwawasan Health, Safety, and Environment (HSE). independent, integrity, and have an insight into Health,
Safety, and Environment (HSE).
Perseroan senantiasa menekankan etika kerja The Company always emphasizes work ethics
dalam prosedur dan pengadaan barang dan jasa in procedures and procurement of goods and
yang menjunjung tinggi kejujuran, kemandirian, dan services that upholds honesty, independence and
kerahasiaan. Perseroan juga berupaya untuk mencegah confidentiality. The Company also seeks to prevent
terjadinya benturan kepentingan antara pihak-pihak conflicts of interest between parties directly or
yang terlibat langsung maupun tidak langsung dalam indirectly involved in the process of procuring goods
proses pengadaaan barang dan/atau jasa. and/or services.
Struktur Organisasi Organizational Structure
Pelaksanaan Pengadaan Barang dan/atau Jasa di Procurement of goods and/or services in the
Perseroan dilaksanakan oleh Divisi Pengadaan dan Company is carried out by the Procurement and
Logistik dan Fungsi Pengadaan di masing-masing Logistics Division and the Procurement Function in
Divisi sesuai batas kewenangan nilai pengadaaan. each Division according to the authority limits for the
value of procurement.
Divisi Pengadaan dan Logistik merupakan bagian The Procurement and Logistics Division is part of the
dari Direktorat Umum yang bertanggung jawab General Directorate which is responsible for carrying
terselenggaranya proses pengadaan secara efisien out the procurement process efficiently and effectively
dan efektif dengan mengedepankan prinsip dan etika by prioritizing procurement principles and ethics as
pengadaan serta azas Governansi Korporat. well as the principles of Corporate Governance.
Kebijakan Pengadaan Barang dan Jasa Goods and Services Procurement Policy
Kebijakan pengadaan barang dan/atau Jasa Perseroan The Company’s procurement policy for goods and/
diatur melalui Peraturan Direksi No. 4 Tahun 2024 or services is regulated through Directors’ Regulation
tanggal 24 Januari 2024 tentang Pedoman Pengadaan No. 4 of 2024 dated 24 January 2024 concerning
Barang yang terdiri dari 2 (dua) buku yaitu Buku Guidelines for Procurement of Goods which consists
I tentang Pedoman Pengadaan Barang dan Jasa of 2 (two) books, namely Book I concerning Guidelines
serta Buku II tentang Batas Kewenangan Pengadaan for Procurement of Goods and Services and Book II
Barang dan Jasa. Adapun untuk informasi mengenai concerning Limits of Authority to Procure Goods and
pengadaan yang dilakukan Perseroan beserta Services. As for information regarding procurement
perkembangannya diinfokan secara publik dalam carried out by the Company and its developments,
situs web Perseroan https:// www.pegadaian.co.id/ it is publicly announced on the Company’s website
pengadaan. https:// www.pegadaian.co.id/pengadaan.
Prinsip dan Etika Perseroan dalam Company Principles and Ethics in the
Pengadaan Barang dan Jasa Procurement of Goods and Services
Pelaksanaan pengadaan barang dan/atau jasa The implementation of the procurement of goods
senantiasa didasarkan pada prinsip-prinsip dan etika and/or services is always based on the principles and
pengadaan barang dan/atau jasa. Prinsip-prinsip ethics of the procurement of goods and/or services.
pengadaan barang dan/atau jasa terdiri dari Efisien, The principles of procurement of goods and/or
Efektif, Kompetitif, Transparan, Adil dan Wajar, services consist of Efficient, Effective, Competitive,
Akuntabel dan Terbuka. Transparent, Fair and Fair, Accountable and Open.
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Pihak-pihak yang terkait dalam pelaksanaan Parties involved in the implementation of the
pengadaan barang dan/atau jasa juga harus mematuhi procurement of goods and/or services must also
etika dan Pakta Integritas yang memuat hal-hal comply with ethics and the Integrity Pact as follows:
sebagai berikut:
1. Melaksanakan tugas secara tertib, disertai 1. Carry out tasks in an orderly manner, accompanied
rasa tanggung jawab untuk mencapai sasaran, by a sense of responsibility for achieving the
kelancaran dan ketepatan tercapainya sasaran target, smoothness and accuracy in achieving the
pengadaan barang dan/atau jasa. target of procurement of goods and/or services.
2. Bekerja secara profesional dan mandiri, serta 2. Work professionally and independently, and
menjaga kerahasiaan dokumen pengadaan maintain the confidentiality of goods and/or
barang dan/ atau jasa yang menurut sifatnya services procurement documents which by their
harus dirahasiakan untuk mencegah terjadinya nature must be kept confidential to prevent
penyimpangan dalam pengadaan barang dan/ irregularities in the procurement of goods and/or
atau jasa. services.
3. Tidak saling mempengaruhi baik langsung 3. Do not influence each other either directly or
maupun tidak langsung yang berakibat terjadinya indirectly resulting in unfair competition.
persaingan tidak sehat.
4. Menerima dan bertanggung jawab atas segala 4. Accept and be responsible for all decisions made
keputusan yang ditetapkan sesuai dengan in accordance with the written agreement of the
kesepakatan tertulis para pihak. parties.
5. Menghindari dan mencegah terjadinya 5. Avoid and prevent conflicts of interest of the
pertentangan kepentingan para pihak yang parties involved, both directly and indirectly in the
terkait, baik secara langsung maupun tidak process of procuring goods and/or services.
langsung dalam proses pengadaan barang dan/
atau jasa.
6. Menghindari dan mencegah terjadinya 6. Avoiding and preventing the occurrence of waste
pemborosan dan kebocoran Keuangan dan and leakage of the Company’s finances and losses.
kerugian Perseroan.
7. Menghindari dan mencegah penyalahgunaan 7. Avoid and prevent abuse of authority and or
wewenang dan atau kolusi dengan tujuan untuk collusion with the aim of personal, group or other
keuntungan pribadi, golongan atau pihak lain party benefits that directly or indirectly harm the
yang secara langsung atau tidak langsung Company.
merugikan Perseroan.
8. Tidak menerima, tidak menawarkan atau tidak 8. Do not accept, do not offer or promise to give
menjanjikan untuk memberi atau menerima or receive gifts, rewards, commissions, rebates
hadiah, imbalan, komisi, rabat dan berupa apa and in any other form to anyone who is known
saja kepada siapapun yang diketahui atau patut or reasonably suspected to be related to the
diduga berkaitan dengan pengadaan barang dan/ procurement of goods and/or services.
atau jasa.
9. Tidak pernah terlibat dalam permasalahan 9. Never involved in legal/litigation issues and not
hukum/litigasi dan tidak masuk dalam daftar blacklisted.
hitam (blacklist).
10. Tidak memiliki hubungan kekerabatan dengan 10. Does not have a family relationship with the Main
Penyedia Jasa Utama dan Pemberi Tugas. Service Provider and Assignment Giver.
Perencanaan Pengadaan Procurement Planning
Proses pengadaan barang dan/ jasa yang dilakukan The process of procuring goods and/services by the
Perseroan dapat dilakukan dengan metode sebagai Perseroan Company can be carried out using the
berikut: following methods:
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Tata Kelola Perusahaan
Corporate Governance
Metode Penjelasan
No
Method Description
adalah pelaksanaan pekerjaan yang direncanakan, dikerjakan dan diawasi sendiri dengan
menggunakan tenaga sendiri dan atau tenaga dari luar (tenaga kerja biasa/tenaga ahli)
Swakelola beserta peralatan kerja dan/atau material nya.
1
Self-management is the implementation of work that is planned, carried out and supervised by oneself
using one's own labor and/or external labor (ordinary labor/expert labor) along with
work equipment and/or materials.
adalah Pengadaan Barang dan Jasa yang langsung mengundang 1 (satu) calon penyedia
jasa yang terdaftar dalam Daftar Rekanan Mampu (DRM) maupun pembelian secara
langsung baik di pasar maupun secara elektronik melalui platform PaDi UMKM dengan
batasan nilai yang telah ditetapkan dalam Peraturan Direksi tentang Batas Kewenangan
Pengadaan Langsung Pengadaan Barang dan Jasa.
2
Direct Purchase is the Procurement of Goods and Services which directly invites 1 (one) prospective
service provider registered in the List of Capable Partners (DRM) or purchases directly
either on the market or electronically via the PaDi UMKM platform with the value limits
set out in the Directors' Regulations on Limits of Authority Procurement of goods and
services.
Tender Terbatas/ Seleksi adalah Pengadaan Barang dan Jasa yang dilaksanakan dengan mengundang secara
Terbatas terbatas sekurang-kurangnya 2 (dua) calon penyedia jasa
3
Limited Tender/Limited is the procurement of goods and services carried out by inviting a limited number of at
Selection least 2 (two) potential service providers
adalah Pengadaan Barang dan Jasa yang dilaksanakan untuk mendapatkan penyedia
barang dan jasa dengan mengumumkan secara luas melalui web perusahaan atau media
Tender/Seleksi Umum masa lainnya.
4
General Tender/Selection is the procurement of goods and services which is carried out to obtain providers of
goods and services by announcing them widely through the company's website or other
mass media.
adalah Pengadaan Barang dan Jasa yang dilakukan secara langsung dengan menunjuk 1
Penunjukkan Langsung (satu) calon Penyedia Barang dan Jasa yang harus memenuhi kriteria tertentu
5
Direct Appointment is the procurement of goods and services carried out directly by appointing 1 (one)
prospective provider of goods and services who must meet certain criteria
Seleksi Penyedia Barang dan Jasa Selection of Goods and Services
Providers
Guna mendapatkan penyedia barang dan/atau jasa In order to get goods and/or service providers
sesuai dengan yang dibutuhkan Perseroan, Perseroan according to what the Company needs, the Company
senantiasa menerapkan Penilaian Rekanan yang always implements Partner Assessments conducted
dilakukan oleh User (Pengguna pengadaan) terhadap by Users (procurement users) on partner performance
kinerja rekanan selama dalam proses pengadaan during the process of procuring goods and/or services
barang dan/atau jasa ataupun pada pasca pengadaan or during the post-procurement of goods and/
barang dan/atau jasa yang meliputi Harga, Kualitas, or services which includes Price, Quality, Quantity,
Kuantitas, Waktu Pengiriman dan Pelayanan. Delivery Time and Service.
Untuk menjadi penyedia barang dan/atau jasa, To become a supplier of goods and/or services,
calon penyedia barang dan/atau jasa harus memiliki prospective providers of goods and/or services
sertifikat DRM (Daftar Rekanan Mampu) Perseroan must have the Company’s DRM certificate (List of
dengan cara mendaftar menjadi rekanan melalui http:// Capable Partners) by registering as a partner through
eproc.pegadaian.co.id dan melengkapi persyaratan http://eproc. pegadaian.co.id and completing the
yang diperlukan untuk selanjutnya akan mendapatkan requirements to obtain approval from Procurement
approval dari Divisi Pengadaan & Logistik di Kantor and Logistics Division at Head Office or Logistics
Pusat atau dari Departemen Logistik dan Umum di Section at Regional Offices.
Kantor Wilayah
Survey Kepuasan Pemasok Supplier Satisfaction Survey
Perseroan senantiasa melakukan standardisasi dan The Company always carries out standardization and
program yang dapat mengoptimalkan kualitas rekanan programs that can optimize the quality of partners in
dalam bekerja sama dengan Perseroan melalui survey working with the Company through supplier surveys
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pemasok setiap tahunnya. Di tahun 2023, Perseroan every year. In 2022 a supplier survey will be carried
melakukan Survey Kepuasan Pemasok yang dilakukan out by the Company’s internal parties involving 107
oleh pihak internal dengan melibatkan 49 pemasok, suppliers, 36 suppliers with the “Very Satisfied”
di mana 21 pemasok di antaranya masuk ke dalam Category, 58 Suppliers with the “Satisfied” Category,
kategori “Sangat Puas”, 24 pemasok dengan kategori 12 Suppliers with the “Quite Satisfied” Category and 1
“Puas”, 4 pemasok dengan kategori “Cukup Puas”, suppliers with the “Unsatisfied” Category.
dan 0 Pemasok dengan kategori “Kurang Puas”.
Selain itu, Pemasok juga melakukan penilaian terhadap In addition, Suppliers also evaluate the procurement
proses pengadaan dan kepada Pelaksana Pengadaan process and Procurement Executors by involving 31
dengan melibatkan 71 pemasok, di mana 25 pemasok Suppliers, where 20 Suppliers assess the Company’s
menilai proses pengadaan dan pelaksana pengadaan procurement process and Procurement Executors
Perseroan dengan kategori “Sangat Baik”, 44 Pemasok in the “Very Good” category, 11 Suppliers rate it in
menilai dengan kategori “Baik”, 2 pemasok menilai the “Good” category and 0 Suppliers rate it in the
dengan Kategori “Cukup Baik”, 0 pemasok menilai “Enough Good” category, 0 Suppliers rate it in the
dengan kategori “Kurang Baik” dan 0 pemasok “Poor” category and 0 Suppliers rate it in the “Not
menilai dengan kategori “Tidak Baik”. Good” category.
Kegiatan Pengadaan Barang dan Jasa Goods and Services Procurement
Activities
Kegiatan Pengadaan barang dan/atau jasa Procurement of goods and/or services activities are
dilaksanakan dengan membaginya dalam beberapa carried out by dividing them into several categories
kategori yang meliputi Pengadaan Teknologi Informasi which include Procurement of Information Technology
(TI), Pengadaan Jasa, Pengadaan Barang dan (IT), Procurement of Services, Procurement of
Pengadaan Jasa Konstruksi. Sepanjang tahun 2023, Goods and Procurement of Construction Services.
Divisi Pengadaan dan Logistik telah melakukan tugas Throughout 2023, the Procurement and Logistics
dan tanggung jawab dengan melaksanakan proses Division has carried out its duties and responsibilities
pengadaan sebagai berikut: by carrying out the following procurement processes:
Kategori pengadaan Jumlah Pengadaan Nilai Pengadaan (Rp)
No
Procurement Categories Total Procurement Procurement Values (Rp)
Pengadaan Jasa Konstruksi
1 16 178.169.142.000
Construction Service Procurement
Pengadaan Teknologi Informasi
2 32 235.469.214.295
Information Technology Procurement
Pengadaan Barang dan Jasa Lainnya
3 129 939.288.377.783
Other Goods and Services Procurement
Jumlah
177 1.352.926.734.078
Total
Pencegahan Transaksi Orang Dalam Prevention of Insider Transactions
(Insider Trading) (Insider Trading)
Transaksi orang dalam (insider trading) merupakan Insider trading is an illegal practice in the form of
praktik ilegal berupa perdagangan saham perusahaan trading in company shares or other securities (bonds
atau surat berharga lainnya (obligasi atau opsi saham) or stock options) done by individuals with access to
yang dilakukan oleh individu yang memiliki akses the Company’s confidential information. A policy
terhadap informasi rahasia Perseroan. Pegadaian telah has been invented by Pegadaian to prevent insider
menyusun kebijakan pencegahan transaksi orang dalam transactions in Directors Regulation No. 84 dated 18
pada Peraturan Direksi No. 84 tanggal 18 Desember 2023 December 2023 concerning Guidelines for Handling
tentang Pedoman Penanganan Benturan Kepentingan Conflicts of Interest
Kebijakan tersebut dibuat dengan tujuan untuk This policy was created with the aim of avoiding
menghindari benturan kepentingan antara Perseroan conflicts of interest between the Company and certain
dengan pihak-pihak tertentu dan melindungi bisnis parties and protecting the Company’s business
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Tata Kelola Perusahaan
Corporate Governance
Perseroan atas penggunaan informasi rahasia oleh regarding the use of confidential information by any
setiap pihak yang memiliki akses terhadap informasi party who has access to this material information.
material tersebut. Lebih lanjut, kebijakan ini mengatur Furthermore, this policy regulates insider trading
kegiatan insider trading kriteria transaksi orang dalam activities, the criteria for insider trading in the buying
(insider trading) pada jual beli efek yang dilarang: and selling of securities are prohibited:
1. Orang dalam Perusahaan yang mempunyai 1. Persons within the Company who have information
informasi dilarang melakukan pembelian atau are prohibited from purchasing or selling Securities:
penjualan atas Efek:
a. Perusahaan; atau a. Company; or
b. Perusahaan lain yang melakukan transaksi b. Other companies that carry out transactions
dengan Perusahaan Orang Dalam tersebut. with the Insider Company.
2. Orang Dalam Perusahaan dilarang: 2. Company Insiders are prohibited from:
a. Mempengaruhi pihak lain untuk melakukan a. Influencing other parties to purchase or sell
pembelian atau penjualan efek Perusahaan; Company securities;
b. Memberi informasi orang dalam (Insider) b. Providing insider information to any party who
kepada pihak manapun yang patut diduganya reasonably suspects may use the information
dapat menggunakan informasi dimaksud untuk in question to purchase or sell Company
melakukan pembelian atau penjualan atas efek securities.
Perusahaan.
Sejalan dengan hal tersebut, Perseroan senantiasa The Company continues to encourage sustainable
mendorong pertumbuhan kegiatan operasi yang growth in operational activities by referring to
berkelanjutan dengan mengacu pada standar existing business standards, so that the Company
bisnis yang ada, sehingga Perseroan dapat can maximize its contribution to shareholders
memaksimalkan kontribusinya kepada pemegang and stakeholders. In implementing this policy,
saham maupun pemangku kepentingan. Dalam all Company Personnel are required to make
mengimplementasikan kebijakan tersebut, an annual statement, which includes disclosure
seluruh Insan Perseroan diwajibkan untuk of insider trading transactions carried out by
membuat pernyataan tahunan (annual disclosure), Company Personnel.
diantaranya berisi mengenai pengungkapan
transaksi insider trading yang dilakukan oleh Insan
Perseroan.
Governansi Teknologi Informasi Information Technology Governance
Perseroan senantiasa membangun fondasi teknologi The Company continues to build a strong information
informasi (TI) yang kuat untuk mendukung technology (IT) foundation to support business
keberlangsungan bisnis di era serba digital dan high continuity in the digital era and high speed internet.
speed internet. Pengembangan dan pengelolaan The development and management of Information
sistem Teknologi Informasi (TI) merupakan prioritas Technology (IT) systems is a priority for the Company
bagi Perusahaan agar terus dapat meningkatkan so that it can continue to improve its performance in
kinerjanya dalam menyediakan layanan yang providing excellent service. This is reinforced by the
prima. Hal ini diperkuat dengan tren peningkatan trend of increasing use of digital services by customers,
penggunaan layanan digital oleh nasabah, yang perlu which needs to be supported by digital services to
didukung oleh layanan digital untuk mendukung support the Company’s operational efficiency and
efisiensi operasional Perusahaan serta kepuasan customer satisfaction. For this reason, the Company
nasabah. Untuk itu, Perusahaan melakukan digitalisasi digitizes end-to-end business processes in order to
proses bisnis end-to-end agar dapat menyediakan provide products and services quickly, safely and
produk dan layanan secara cepat, aman, dan andal reliably through Digital Pegadaian, which is one of the
melalui Pegadaian Digital yang menjadi salah satu main advantages of the Company which continues to
keunggulan utama Perusahaan terus dikembangkan be developed continuously.
secara berkesinambungan.
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Pelaksanaan Governansi Teknologi Implementation of Information
Informasi Technology Governance
Sejak 2018, Direktorat Teknologi Informasi dan Since 2018, the Information and Digital Technology
Digital telah terbentuk yang memiliki tugas untuk Directorate has been formed which has the task of
bertanggung jawab atas operasional, infrastruktur being responsible for operations, infrastructure and
serta pengembangan aplikasi bisnis uang dimiliki developing money business applications owned by
oleh Pegadaian. Pembentukan Direktorat Teknologi Pegadaian. The formation of the Information and Digital
Informasi dan Digital ini sebagai wujud nyata dari Technology Directorate is a concrete manifestation of
komitmen Perusahaan untuk menjadi lembaga the Company’s commitment to becoming a financial
keuangan yang memiliki daya saing tinggi serta institution that has high competitiveness and provides
memberikan kemudahan bagi nasabahnya. convenience for its customers. Pegadaian continues
Pegadaian senantiasa mengembangkan sistem TI to develop IT systems to support the Company’s
untuk mendukung proses bisnis Perusahaan dengan business processes with a wide reach, network and
jangkauan, jaringan dan infrastruktur yang luas di infrastructure throughout Indonesia and integrates
seluruh Indonesia serta mengintegrasikan data dan operational data and information accurately, relevantly
informasi operasional secara akurat, relevan dan and up-to-date.
terkini.
Struktur Direktorat TI dan Digital IT and Digital Directorate Structure
Direktorat IT & Digital
IT & Digital Directorate
Strategi, Arsitektur & Perencanaan TI Pengemangan Aplikasi Operational & Infrastruktur TI IT Security
IT Strategy, Architecture & Planning Application Development Operational & IT Infrastructure
Tata Kelola TI Integrasi Aplikasi Infrastruktur TI
Security Architecture
Tata Kelola TI Application Integration IT Infrastructure
Perencanaan & Arsitektur TI Aplikasi Bisnis IT Operation
IT Planning and Architecture Business Applications Security Monitoring & Analysis
Penganggaran TI Aplikasi Bisnis Digital Release Management Security Operation Service
IT Budgeting Digital Business Applications
Central of Excellence IT Quality Assurance Sentra Operasi
Data Operation
Data Operation
Data Operations
Tugas dan Tanggung Jawab Direktorat TI Duties and Responsibilities of the IT and
dan Digital Digital Directorate
Direktorat TI & Digital memiliki 2 (dua) tugas utama di The IT & Digital Directorate has 2 (two) main tasks
antaranya: including:
1. Sebagai merencanakan, mengorganisasikan, 1. As planning, organizing, supervising, monitoring
melakukan pengawasan, monitoring dan evaluasi and evaluating all company information technology
atas seluruh kegiatan teknologi informasi activities.
perusahaan.
2. Merencanakan, mengorganisasikan, melakukan 2. Plan, organize, supervise, monitor and evaluate the
pengawasan, monitoring evaluasi atas development of digital experience that provides
pengembangan digital experience yang optimal customer experience.
memberikan customer experience yang optimal.
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Tata Kelola Perusahaan
Corporate Governance
Mitigasi Disrupsi TI IT Disruption Mitigation
Dalam era digital saat ini, Pegadaian terus In the current digital era, Pegadaian continues to strive
berupaya meningkatkan posisi strategisnya dengan to improve its strategic position by implementing
mengimplementasikan strategi bisnis dan teknologi innovative business and information technology
informasi (TI) yang inovatif. Fokus utamanya adalah (IT) strategies. The main focus is strengthening IT
memperkuat daya saing TI melalui digitalisasi, competitiveness through digitalization, innovation
inovasi, dan penerapan emerging technology, serta and application of emerging technologies, as well as
meningkatkan sinergi dengan Holding Ultra Mikro increasing synergy with Ultra Micro Holding through
melalui integrasi sistem, data, dan proses bisnis. integration of systems, data and business processes.
Berkomitmen untuk meningkatkan efektivitas proses Committed to improving the effectiveness of internal
internal dan mengembangkan model bisnis baru processes and developing new business models such
seperti bullion bank dan vaulting. as bullion banking and vaulting.
1. Berinvestasi dalam digitalisasi dan inovasi untuk 1. Invest in digitalization and innovation to strengthen
memperkuat daya saing TI. Termasuk penerapan IT competitiveness. Including the implementation
layanan berbasis digital yang didukung oleh of digital-based services supported by
arsitektur microservice, serta penggunaan microservice architecture, as well as the use of
teknologi otomasi, kecerdasan buatan (AI) dan automation technology, artificial intelligence (AI)
pembelajaran mesin (ML), blockchain, cloud and machine learning (ML), blockchain, cloud
computing, dan analitik data. Pendekatan ini tidak computing and data analytics. This approach
hanya meningkatkan efisiensi operasional tetapi not only improves operational efficiency but also
juga memperkaya pengalaman pelanggan. enriches the customer experience.
2. Upaya integrasi sistem, data, dan proses bisnis 2. Efforts to integrate systems, data and business
dengan Holding Ultra Mikro, termasuk layanan processes with Ultra Micro Holding, including
yang disediakan oleh BRI dengan adanya services provided by BRI with Master Data
Master Data Management, adalah langkah Management, are strategic steps to expand the
strategis untuk memperluas jangkauan layanan reach of our services and strengthen our market
kami dan memperkuat posisi pasar. Integrasi position. This integration allows us to provide more
ini memungkinkan kami untuk memberikan integrated financial solutions and increase value
solusi keuangan yang lebih terintegrasi dan for our customers.
meningkatkan nilai bagi pelanggan kami.
3. Kami terus berupaya meningkatkan efektivitas 3. We continue to strive to improve the effectiveness
dari keseluruhan proses internal. Ini dicapai melalui of all internal processes. This is achieved through
peningkatan tata kelola TI, yang saat ini memiliki improving IT governance, which currently has
nilai rata-rata maturitas COBIT 2019 dengan an average COBIT 2019 maturity score of 4.65,
skor 4.65, menandakan tingkat tata kelola yang indicating a good level of governance. These
baik. Upaya ini meliputi peningkatan prosedur, efforts include improving procedures, optimizing
pengoptimalan sumber daya, dan implementasi resources, and implementing best practices in
best practices dalam manajemen proses bisnis, business process management, and the ISO 20000
serta telah dilakukan proses Sertifikat ISO 20000 Certificate process for IT service management and
untuk manajemen layanan TI dan ISO 27001 untuk ISO 27001 for information security management
sistem manajemen keamanan informasi. systems has been carried out.
4. Pengembangan model bisnis baru, seperti bullion 4. The development of new business models, such
bank dan vaulting, merupakan bagian dari strategi as bullion banking and vaulting, is part of the
inovatif. Inisiatif ini tidak hanya membuka aliran innovative strategy. This initiative not only opens
pendapatan baru tetapi juga menambah nilai bagi up new revenue streams but also adds value to
pelanggan kami dengan menyediakan layanan our customers by providing more diverse and
keuangan yang lebih beragam dan komprehensif. comprehensive financial services.
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Cyber Security (Keamanan Dunia Maya) Cyber Security Keamanan siber (Cyber Security) adalah aktivitas Cyber security is the activity of preventing damage, pencegahan kerusakan, perlindungan, dan pemulihan protecting and restoring computers, electronic komputer, sistem komunikasi elektronik, layanan communication systems, electronic communication komunikasi elektronik, komunikasi kabel, dan services, cable communications and electronic komunikasi elektronik, termasuk informasi yang communications, including the information contained terkandung di dalamnya, dari serangan siber. Yang therein, from cyber attacks. This cyber attack is an mana serangan siber ini adalah serangan yang attack carried out through cyberspace with the target dilakukan melalui dunia maya dengan target untuk of disrupting, disabling, destroying, or maliciously mengganggu, melumpuhkan, menghancurkan, atau controlling the information system environment/ mengendalikan lingkungan/infrastruktur sistem infrastructure, which can destroy data integrity, steal informasi secara jahat (malicious), yang dapat controlled information, disrupt system availability, and menghancurkan integritas data, mencuri informasi remove protection from denial. yang dikendalikan, mengganggu ketersediaan sistem, dan menghilangkan proteksi dari penyangkalan. Berikut adalah pilar penting dalam keamanan siber: The following are the important pillars of cybersecurity: 1. Identify 1. Identify Mengembangkan pemahaman organisasi untuk Develop organizational understanding to manage mengelola risiko keamanan siber terhadap sistem, cybersecurity risks to organizational systems, aset, data, dan kemampuan organisasi. assets, data and capabilities. 2. Protect 2. Protect Mengembangkan dan menerapkan perlindungan Develop and implement appropriate safeguards to yang sesuai untuk memastikan pengiriman layanan ensure delivery of critical infrastructure services. infrastruktur penting. 3. Detect 3. Detect Mengembangkan dan menerapkan kegiatan yang Develop and implement appropriate activities to sesuai untuk mengidentifikasi terjadinya peristiwa identify the occurrence of security events. keamanan. 4. Respon 4. Response Mengembangkan dan mengimplementasikan Develop and implement appropriate activities kegiatan yang sesuai ketika menghadapi peristiwa when encountering detected security events. keamanan yang terdeteksi. 5. Recover 5. Recover Mengembangkan dan menerapkan kegiatan yang Develop and implement appropriate activities for sesuai untuk ketahanan dan untuk memulihkan resilience and to restore any capabilities or services kemampuan atau layanan apa pun yang mengalami that are disrupted due to a cybersecurity event. gangguan karena peristiwa keamanan siber. Disaster Recovery (Pemulihan Bencana) Disaster Recovery Disaster Recovery (DR) dalam konteks organisasi TI Disaster Recovery (DR) in the context of an IT adalah proses pemulihan sistem, aplikasi, dan data organization is the process of recovering systems, setelah terjadinya bencana atau gangguan yang applications and data after a disaster or disturbance mengakibatkan gangguan serius terhadap operasi that results in serious disruption to the normal normal sebuah organisasi. Tujuannya adalah untuk operations of an organization. The goal is to return mengembalikan sistem TI ke kondisi fungsional IT systems to a functional state as quickly as sesegera mungkin setelah terjadinya gangguan atau possible following a disruption or disaster, so that bencana, sehingga organisasi dapat melanjutkan organizations can continue their operations with little operasi mereka dengan sedikit atau tanpa kerugian or no significant loss. yang signifikan. PT Pegadaian | 2023 Annual Report 659
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Tata Kelola Perusahaan
Corporate Governance
Berikut adalah beberapa elemen penting dalam The following are several important elements in
disaster recovery terkait organisasi TI: disaster recovery related to IT organizations:
1. Perencanaan Disaster Recovery: Organisasi perlu 1. Disaster Recovery Planning: Organizations need
mengembangkan rencana yang terstruktur dan to develop structured and documented plans
terdokumentasi untuk mengatasi berbagai jenis to address various types of disasters or system
bencana atau kegagalan sistem. Ini mencakup failures. This includes risk identification, business
identifikasi risiko, analisis dampak bisnis, impact analysis, determination of recovery
penentuan prioritas pemulihan, serta tata cara priorities, as well as specific recovery procedures
dan langkah-langkah pemulihan yang spesifik. and steps.
2. Pencadangan dan Pemulihan Data: Pencadangan 2. Data Backup and Recovery: Regular and thorough
data yang teratur dan menyeluruh adalah elemen data backup is a key element in DR Organizations
kunci dalam DR. Organisasi harus memastikan must ensure that important data is copied and
bahwa data penting disalin dan disimpan di lokasi stored in a secure location on a regular basis. Data
yang aman secara teratur. Proses pemulihan data recovery processes must be designed to ensure
harus dirancang untuk memastikan bahwa data that data can be recovered quickly and accurately
dapat dipulihkan dengan cepat dan akurat setelah following a disaster.
terjadinya bencana.
3. Pengelolaan Infrastruktur Cadangan: Organisasi 3. Backup Infrastructure Management: Organizations
perlu menyediakan infrastruktur cadangan yang need to provide adequate backup infrastructure to
memadai untuk mendukung operasi TI yang support critical IT operations in recovery scenarios.
kritis dalam skenario pemulihan. Ini mungkin This may involve providing reliable backup data
melibatkan penyediaan pusat data cadangan, centers, backup servers, storage devices, and
server cadangan, perangkat penyimpanan, dan network infrastructure.
infrastruktur jaringan yang dapat diandalkan.
4. Uji Coba dan Pemeliharaan: Rencana DR harus 4. Testing and Maintenance: DR plans should be
diuji secara berkala untuk memastikan bahwa tested periodically to ensure that they are effective
mereka efektif dan relevan dengan perubahan and relevant to changes in the organization’s IT
dalam lingkungan TI organisasi. Uji coba ini environment. These tests may involve disaster
dapat melibatkan simulasi bencana, pengujian simulation, data recovery testing, or system
pemulihan data, atau pengujian skenario recovery scenario testing.
pemulihan sistem.
5. Manajemen Krisis: Selama periode bencana, 5. Crisis Management: During periods of disaster,
manajemen krisis yang efektif sangat penting. effective crisis management is essential.
Organisasi harus memiliki prosedur yang jelas Organizations must have clear procedures for
untuk mengkoordinasikan respons terhadap coordinating disaster response, communicating
bencana, berkomunikasi dengan stakeholder with relevant stakeholders, and making strategic
yang relevan, dan membuat keputusan strategis decisions to facilitate recovery.
untuk memfasilitasi pemulihan.
6. Pemulihan Bisnis Lintas-fungsional: Disaster 6. Cross-functional Business Recovery: Disaster
recovery tidak hanya tentang pemulihan recovery is not just about restoring the IT
infrastruktur TI, tetapi juga tentang pemulihan infrastructure, but also about restoring the entire
keseluruhan operasi bisnis. Organisasi harus business operations. Organizations must consider
mempertimbangkan bagaimana pemulihan TI how IT recovery will impact various business
akan berdampak pada berbagai fungsi bisnis, functions, including human resource management,
termasuk manajemen sumber daya manusia, finance, and customer service.
keuangan, dan layanan pelanggan.
7. Kepatuhan dan Regulasi: Banyak industri dan 7. Compliance and Regulation: Many industries and
yurisdiksi memiliki persyaratan kepatuhan yang jurisdictions have strict compliance requirements
ketat terkait dengan keamanan dan pemulihan related to data security and recovery.
data. Organisasi perlu memastikan bahwa rencana Organizations need to ensure that DR plans meet
DR memenuhi persyaratan ini dan bahwa mereka these requirements and that they are prepared to
siap untuk menghadapi audit dan penilaian yang withstand related audits and assessments.
berkaitan.
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Dengan memperhatikan semua elemen ini, PT By paying attention to all these elements, PT Pegadaian
Pegadaian dapat mengembangkan strategi yang can develop a solid strategy to deal with various
kokoh untuk menghadapi berbagai ancaman dan threats and disasters that may affect IT operations.
bencana yang mungkin memengaruhi operasi TI. This helps minimize the impact of disruptions on the
Hal ini membantu meminimalkan dampak gangguan business and accelerate recovery after adverse events.
terhadap bisnis dan mempercepat pemulihan setelah
terjadinya kejadian yang merugikan.
Pengembangan Teknologi Informasi Information Technology Development
Pegadaian telah merancang strategi di bidang Pegadaian has designed a long-term strategy in the
teknologi informasi jangka panjang, roadmap field of information technology. This roadmap in
di bidang teknologi informasi ini dirancang dan the field of information technology is designed and
disesuaikan dengan kebutuhan dari kondisi bisnis serta adapted to the needs of business conditions and
perkembangan teknologi yang ada. Sesuai dengan existing technological developments. In accordance
Master Plan TI 2022- 2024, Pegadaian memiliki visi with the IT Master Plan 2022-2024, Pegadaian has the
“Menjadi the Best Modern Technology Enabler Service vision of “Being the Best Modern Technology Enabler
Provider, yang memberikan pengalaman penggunaan Service Provider, which provides the best technology
teknologi yang terbaik”. Adapun roadmap teknologi experience”. The Pegadaian information technology
informasi Pegadaian secara high level dapat roadmap at a high level can be described as follows:
digambarkan sebagai berikut:
Fokus tahun 2023
No Roadmap
2023 Focus
1. Penyelarasan dan standarisasi tugas & tanggung jawab TI & TO
2. Optimalisasi agile way of working melalui penetapan tugas dan tanggung jawab anggota
squad
3. Optimalisasi tenaga kerja
4. ITO1.2.1 Membentuk Data Steering Committee
5. ITO1.2.2 Sosialisasi penambahan tanggung jawab untuk pelaksanaan Data Steering
Organisasi dan
Committee
Kompetensi
1
IT Organization
1. Alignment and standardization of IT & TO tasks & responsibilities
and Competency
2. Optimizing the agile way of working through determining the tasks and responsibilities of
squad members
3. Workforce optimization
4. ITO1.2.1 Establish a Data Steering Committee
5. ITO1.2.2 Socialization of additional responsibilities for the implementation of the Data
Steering Committee
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Tata Kelola Perusahaan
Corporate Governance
Fokus tahun 2023
No Roadmap
2023 Focus
1. Pengelolaan risiko TI yang signifikan
2. Peningkatan kepatuhan terhadap regulasi
3. Penyelarasan srategi dan transparansi investasi Ti dengan startegi bisnis
4. Peningkatan prioritas proyek dan manajemen portfolio proyek TI
5. Optimalisasi pengunaan data untuk memberikan value maksimal dalam pembuatan
keputusan
6. ITG5.1 Mengembangkan dan menerapkan cloud governance .
7. ITG1.1 Mengembangkan dan menerapkan data management framework (termasuk data
privacy).
8. ITG3.1 Mengembangkan dan menerapkan implementasi agile framework guna mencapai
Business Agility dan menerapkan DevSecOps.
9. ITG4.1 Meningkatkan pengelolaan arsitektur TI.
Tata Kelola TI
2 10. ITG4.2 Melakukan perincian arsitektur TI.
IT Governance
1. Management of significant IT risks
2. Increased compliance with regulations
3. Alignment of IT investment strategy and transparency with business strategy
4. Improved project prioritization and IT project portfolio management
5. Optimizing the use of data to provide maximum value in decision making
6. ITG5.1 Develop and implement cloud governance.
7. ITG1.1 Develop and implement a data management framework (including data privacy).
8. ITG3.1 Develop and implement agile framework implementation to achieve Business Agility
and implement DevSecOps.
9. ITG4.1 Improve IT architecture management.
10. ITG4.2 Perform IT architecture detailing.
1. Modernisasi sistem utama
2. Pengembangan infrastruktur yang Agile
3. Eksplorasi teknologi terbaru (emerging tech)
4. ITEA8.2 Implementasi tools pendukung perlindungan data pribadi
5. ITEA1.8 Implementasi metode CDC pada proses interface aplikasi utama Pegadaian
6. ITEA11.2 Mengimplementasikan database as a services
7. ITEA12.3 Mengimplementasikan Desktop Management
8. ITEA13.1 Memperluas penerapan WAN ke seluruh jaringan Pegadaian.
9. ITEA13.2 Memperluas penerapan SD-Campus ke seluruh jaringan Pegadaian
10. ITEA21.2 Melakukan eksplorasi lebih lanjut untuk melakukan perluasan implementasi
teknologi blockchain
11. ITEA3.1 Implementasi Sistem IAIS
12. ITEA3.2 Roll-out sistem Mitra Gadai
13. ITEA5.1 Membangun integrasi antara data Pegadaian dan data Holding Ultra Mikro
14. ITEA6.4 Menerapkan program pengelolaan data quality, termasuk implementasi data quality
Enterprise
tool yang diperlukan.
Architecture TI
3
IT Enterprise
1. Modernization of major systems
Architecture
2. Agile infrastructure development
3. Exploration of the latest technology (emerging tech)
4. ITEA8.2 Implementation of tools to support personal data protection
5. ITEA1.8 Implement the CDC method in the Pegadaian main application interface process
6. ITEA11.2 Implementing a database as a service
7. ITEA12.3 Implement Desktop Management
8. ITEA13.1 Expand WAN implementation to the entire Pegadaian network.
9. ITEA13.2 Expand the implementation of SD-Campus to the entire Pegadaian network
10. ITEA21.2 Conduct further exploration to expand the implementation of blockchain
technology
11. ITEA3.1 IAIS System Implementation
12. ITEA3.2 Roll-out Pawn Partner system
13. ITEA5.1 Build integration between Pegadaian data and Ultra Micro Holding data
14. ITEA6.4 Implement a data quality management program, including implementation of the
required data quality tools.
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Investasi Teknologi Informasi Information Technology Investment
Pegadaian berkomitmen untuk terus melakukan Pegadaian is committed to continuing to develop IT
pengembangan TI sesuai dengan kebutuhan dan in accordance with needs and also the 2022-2024 IT
juga master plan TI 2022-202Hal ini dilakukan untuk master plan. This is done to achieve the vision that was
mencapai visi yang telah dicanangkan sebelumnya. previously planned. For this reason, Pegadaian invests
Untuk itu, Pegadaian melakukan investasi di bidang TI. in the IT sector.
Di tahun 2023, Perseroan telah menganggarkan In 2023, the Company budgeted Rp217,510,000,000
untuk pengelolaan dan pengembangan TI sebesar for IT management and development. This figure has
Rp217.510.000.000. Besaran angka tersebut telah been absorbed at 104.17% or Rp226,595,922,607,-
terserap sebesar 104.17% atau Rp226.595.922.607,- to carry out IT investments. Details of Information
untuk melaksanakan investasi TI. Adapun rincian Technology investment for 2023 can be seen in the
investasi Teknologi Informasi untuk tahun 2023 dapat following table:
dilihat dalam tabel berikut:
Investasi Teknologi Informasi Tahun 2023
2023 Information Technology Investment
Investasi Biaya Investasi
No
Investment Cost of Investment
Pengembangan Aplikasi dan Perangkat Lunak (Hak Lisensi TI)
1 87.704.491.357
Application and Software Development (IT License Rights)
Modernisasi Infrastruktur TI, akuisisi teknologi baru dan penambahan kapasitas TI.
(Infrastruktur TI)
2 138.891.431.250
Modernization of IT Infrastructure, acquisition of new technology and addition of
IT capacity. (IT Infrastructure)
Jumlah
226.595.922.607
Total
Biaya Investasi Teknologi Informasi
Cost of Information Technology Investment
Realisasi Biaya (Rp) Anggaran Penyerapan
Cost Realization (Rp) Budget Absorption
Investasi Teknologi Informasi
226.595.922.607 217.510.000.000 104.17%
Information Technology Investment
Rencana Teknologi Informasi ke Depan di Future Information Technology Plans in
Tahun 2024 2024
Perseroan melalui Direktorat TI dan Digital telah Through the IT and Digital Directorate, the Company
menyusun rencana teknologi informasi yang akan has prepared an information technology plan that will
diterapkan oleh Pegadaian ke depan. Rencana ini telah be implemented by Pegadaian in the future. This plan
tercantum dalam dokumen RJPP RencanaPegadaian sebagai has been stated in the Pegadaian RJPP document as
Teknologi Informasi ke Depan di Tahun 2023
Voice of Business dan harapan tim Future
TI. Rencana ini the
Information Technology Voice
Plans of Business and the hope of the IT team. This
in 2023
diformulasikan sebagai Visi dan Misi TI Pegadaian plan is formulated as Pegadaian’s IT Vision and Mission
yang dapat dilihat sebagai berikut: which can be seen as follows:
Menjadi business accelerator yang menyediakan layanan teknologi dan
Visi TI
digital yang inovatif, handal, dan bersinergi dengan holding untuk
IT Vision
meningkatkan daya saing dan nilai perusahaan. FOCUS
Become a business accelerator that provides innovative, reliable technology Forward “FOCUS mendukung
and digital services, and synergizes with holdings to increase competitiveness Thinking percepatan transformasi
and corporate value. bisnis Pegadaian”
Nilai-nilai TI
"FOCUS in supports
IT
Synergy the acceleration of
Misi TI • Menjadi technology and digital partner dalam pencapaian strategi bisnis Values
Pegadaian business
IT Mission • Memberikan layanan digital dan TI yang inovatif, handal, aman, user-friendly, dan transformation"
berorientasi pada pengguna
• Memberikan kontribusi sumber daya TI untuk memaksimalkan sinergi dengan holding
Customer
• Become a technology and digital partner in achieving business strategy Oriented
• Providing innovative, reliable, secure, user-friendly and user-oriented digital and
IT services
• Contributing IT resources to maximize synergies with the holding
PT Pegadaian | 2023 Annual Report 663
Page 664
Tata Kelola Perusahaan
Corporate Governance
Di samping itu, dalam rangka mendukung Visi dan In addition, in order to support the IT Vision and
Misi TI, Perseroan telah menyusun 4 (empat) sasaran Mission, the Company has prepared 4 (four) main
strategis utama yang menjadi acuan dalam penyusunan strategic targets which serve as references in preparing
IT Master Plan 2022-2024 sebagai berikut: the 2022-2024 IT Master Plan as follows:
Menjadi
Business Accelerator
yang menyediakan layanan
teknologi dan digital yang inovatif, handal,
dan bersinergi dengan holding untuk meningkatkan
daya saing dan nilai perusahaan
Become a business accelerator that provides innovative, reliable
technology and digital services, and synergizes with holdings to increase
competitiveness and corporate value
Sasaran Strategis #2: Peningkatan proses Sasaran Strategis #3: Integrasi
Sasaran Strategis #4: Penggunaan
TI agar lebih efektif dan efisien dan modernisasi arsitektur TI yang
Emerging Technology untuk mendukung
berorientasi pada pengguna
TI yang inovatif
Strategic Goal #2: Strengthening of IT
processes to more effective and efficient Strategic Goal #3: User-oriented IT
Strategic Goal #4: Applying of emerging
architecture integration and modernization
technologies to support IT innovative
Sasaran Strategis #1: Penguatan dan penyelarasan fungsi TI
Strategic Goal #1: Strengthening and alignment of IT functions
People, Process, Technology
Whistleblowing System Whistleblowing System
Sebagai wujud dan kesadaran Perseroan terhadap As a manifestation of the Company’s awareness of the
kebutuhan pengembangan etika dan Perilaku bersih need to develop ethics and clean behavior, the Board
maka Direksi dan Dewan Komisaris Perseroan of Directors and Board Commissioners of the Company
mengeluarkan Pedoman Sistem Pelaporan issued the Violation Reporting System Guidelines as
Pelanggaran sebagaimana ditetapkan dalam Peraturan stipulated in the Board of Directors Regulation No.
Direksi No. 83 Tahun 2023 tentang Pedoman Sistem 83 of 2023 concerning Violation Reporting System
Pelaporan Pelanggaran (Whistleblowing System) Guidelines (Whistleblowing System) December 11,
tanggal 11 Desember 202 2023.
Mekanisme penanganan pelaporan pelanggaran The mechanism for handling reporting of violations is
yang jelas merupakan hal yang mutlak diperlukan absolutely necessary to prevent disputes or potential
agar tidak terjadi perselisihan atau potensi sengketa protracted disputes between the Stakeholders and
yang berlarut-larut antara pihak Stakeholders dengan the Company. Internally in the Company, reporting
Perseroan. Secara internal Perseroan, pelaporan violations is a way to encourage Company Employees
pelanggaran menjadi cara untuk mendorong to be more courageous in taking action in preventing
Karyawan Perseroan untuk lebih berani bertindak fraud and corruption by reporting them to parties
dalam mencegah terjadinya kecurangan dengan who can handle them. It is hoped that this will reduce
melaporkannya ke pihak yang dapat menanganinya. the culture of “silent” towards a culture of “honesty”,
Hal ini diharapkan akan mengurangi budaya “diam” “courage”, “caring”, and “openness”.
menuju kearah budaya “kejujuran”, “keberanian”,
“kepedulian”, dan “keterbukaan”.
664 Laporan Tahunan 2023 | PT Pegadaian
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Penetapan Pedoman Sistem Pelaporan Determination of Guidelines for
Pelanggaran Pegadaian Pegadaian Violation Reporting System
Perseroan telah memiliki Pedoman Sistem Pelaporan The Company already has a Violation Reporting
Pelanggaran sebagaimana ditetapkan dalam System Guidelines as stipulated in Board of Directors’
Peraturan Direksi No. 83 Tahun 2023 tentang Pedoman Regulation No. 83 of 2023 concerning Violation
Sistem Pelaporan Pelanggaran (Whistleblowing Reporting System Guidelines (Whistleblowing
System). Pedoman ini digunakan sebagai acuan untuk System). This guideline is used as a reference for
melakukan kegiatan untuk menampung, mengolah carrying out activities to collect, process and follow
dan menindaklanjuti serta membuat pelaporan atas up and make reports on information submitted by
informasi yang disampaikan oleh Pelapor mengenai Reporters regarding acts of violation, namely all
tindakan pelanggaran, yaitu segala tindakan actions in the implementation of Company activities
dalam penyelenggaraan kegiatan Perseroan yang that are contrary to applicable laws and regulations,
bertentangan dengan peraturan perundangan yang Company regulations, Code of Conduct Standards,
berlaku, peraturan Perseroan, Pedoman Standar and sound business ethics.
Perilaku, dan etika bisnis yang sehat.
Jenis Pelanggaran yang Dapat Dilaporkan Types of Violations that can be Reported
Lingkup Pengaduan yang akan ditindaklanjuti oleh Scope of Complaints that will be followed up by the
Tim Pengelola Whistleblowing System merupakan Whistleblowing System Management Team are acts
tindakan dugaan pelanggaran yang dapat merugikan of alleged violations that could harm the Company
Perseroan yang dilakukan oleh Pejabat/Karyawan, committed by Officials/Employees, namely:
yaitu:
• Fraud; • Fraud;
• Pelanggaran Etika; • Ethics Violations;
• Pelanggaran hukum atau peraturan perundang- • Violation of applicable laws or regulations;
undangan yang berlaku;
• Pelanggaran atas Perjanjian Kerja Bersama (PKB) • Violation of the Collective Labor Agreement (PKB)
dan kebijakan Perseroan yang berlaku; and applicable Company policies;
• Pelanggaran atas Code of Conduct atau Tata Nilai • Violation of the Code of Conduct or Company
Perseroan; Values;
• Benturan kepentingan (Conflict of Interest). • Conflict of interest (Conflict of Interest).
Saluran Pengaduan Complaint Channel
Perseroan menyediakan media cara pelaporan The Company provides media for reporting complaints
pengaduan pelanggaran melalui surat elektronik of violations via telephone, fax, SMS, email or letter.
(e-mail), Whatsapp & SMS, maupun Surat Rahasia. Besides that, the Company has also built a special
Disamping itu Perseroan juga telah membangun WBS website to make it easier for reporting parties
situs web khusus WBS untuk memudahkan pihak to submit complaints and monitor the results of these
pelapor mengirimkan pengaduan dan memantau hasil complaints. Whistleblowers can also make reports and
pengaduan tersebut. Pelapor juga dapat membuat can send reports to the Whistleblowing System Team
pelaporan dan dapat mengirimkan laporan kepada Tim by using the following means:
Whistleblowing System dengan menggunakan sarana:
Email whistle.blower@pegadaian.co.id
Website https://wbs.pegadaian.co.id
Whatsapp & SMS 081122500569
Surat Rahasia
Secret Letter Kepada Kepala Satuan Pengawasan Intern PT Pegadaian Jl. Kramat Raya 162, Jakarta Pusat 10430
PT Pegadaian | 2023 Annual Report 665
Page 666
Tata Kelola Perusahaan
Corporate Governance
Perlindungan bagi Pelapor Protection for Whistleblower
Perseroan menjamin kerahasiaan dan perlindungan The Company guarantees confidentiality and
kepada pelapor dalam melakukan proses setiap protection for reporters in carrying out the process
pelaporan pengaduan dengan senantiasa of each complaint report by always prioritizing
mengedepankan kerahasiaan, asas praduga tidak confidentiality, the principle of presumption of
bersalah dengan cara yang profesional. Perseroan innocence in a professional manner. The Company
menjamin kerahasiaan identitas Pelapor, serta guarantees the confidentiality of the Reporter’s
memberikan perlindungan kepada Pelapor dari identity, and provides protection to the Reporter from
segala bentuk ancaman, intimidasi, ataupun tindakan all forms of threats, intimidation, or unpleasant actions
tidak menyenangkan dari pihak manapun, sepanjang from any party, as long as the Reporter can maintain
Pelapor dapat menjaga kerahasiaan kasus yang the confidentiality of the case being complained/
diadukan/dilaporkan. reported.
Perlindungan ini juga berlaku bagi petugas yang This protection also applies to officers appointed
ditunjuk Perseroan dalam melaksanakan investigasi, by the Company in carrying out investigations,
verifikasi maupun pihak-pihak yang memberikan verifications and parties who provide information
informasi terkait dengan pengaduan/penyingkapan related to complaints/ disclosures of irregularities.The
fakta penyimpangan. Perseroan melindungi Company protects the confidentiality of each reporter
kerahasiaan bagi setiap pelapor dengan memberikan by providing direct access through the website, and
akses langsung melalui saluran pengaduan yang by logging in using a username and password or using
tersedia, yang dapat disampaikan dengan identitas diri an anonymous name.
yang sesungguhnya maupun menggunakan identitas
yang dirahasiakan.
Pihak yang Mengelola Pengaduan Party Managing Complaints
Penanganan pengaduan dikelola oleh Satuan Handling of complaints is managed by the Internal
Pengawasan Intern (SPI) dengan dibentuk Tim Monitoring Unit (SPI) with the formation of an
Pengelolaan Pengaduan Pelanggaran yang independent Violation Complaints Management
independen yang ditetapkan oleh Direktur Utama Team appointed by the Main Director based on
berdasarkan Keputusan Direksi No.838/KEP/2023 Directors’ Decree No. 838/KEP/2023 concerning the
tentang Penunjukan Tim Pengelola Sistem Pelaporan Appointment of a Whistleblowing System Management
Pelanggaran (Whistleblowing System) tanggal 5 Team dated 5 October 2023. In carrying out its duties,
Oktober 2023. Dalam melaksanakan tugasnya, Tim the Violation Reporting System Management Team is
Pengelola Sistem Pelaporan Pelanggaran bertanggung responsible to the President Director.
jawab kepada Direktur Utama.
Tugas-tugas Tim Pengelola Sistem Pelaporan The duties of the Violation Reporting System
Pelanggaran (Whistleblowing System) tersebut adalah: Management Team are:
1. Menerima laporan tentang dugaan pelanggaran 1. Receive reports about suspected violations that
yang terjadi dan membuat tanda terima pelaporan have occurred and make receipts for reporting
dugaan pelanggaran. suspected violations.
2. Melakukan evaluasi atas laporan dugaan 2. Evaluate incoming reports of alleged violations.
pelaporan pelanggaran yang masuk.
3. Memutuskan apakah laporan perlu ditindaklanjuti 3. Decide whether the report needs to be followed
atau tidak. Jika laporan ditindaklanjuti dan up or not. If the report is followed up and it
bersifat fraud maka akan diteruskan kepada is fraudulent then it will be forwarded to the
Tim Investigasi, jika tidak ditindaklanjuti maka Investigation Team, if it is not followed up then the
kasusnya akan dihentikan. case will be stopped.
4. Memutuskan apakah laporan yang akan 4. Decide whether the report to be followed up is
ditindaklanjuti tersebut bersifat non-fraud maka non-fraud in nature, it will be forwarded to the
akan diteruskan kepada Divisi/Unit Kerja yang relevant Division/Work Unit.
terkait.
666 Laporan Tahunan 2023 | PT Pegadaian
Page 667
5. Menjaga kerahasiaan setiap pelaporan dugaan 5. Maintain the confidentiality of every incoming
pelanggaran yang masuk. report of suspected violations.
6. Membuat Laporan Sistem Pelaporan Pelanggaran 6. Make regular/monthly Whistleblowing System
(Whistleblowing System) secara berkala/ Reports to the Main Director including the number
bulanan kepada Direktur Utama termasuk jumlah of complaints, progress reports on follow-up
pengaduan, laporan perkembangan terhadap cases/reports received and followed up in the
tindak lanjut kasus-kasus/laporan yang diterima previous period.
dan ditindaklanjuti pada periode sebelumnya.
Mekanisme Penyampaian Pengaduan Mechanism for Submission of Complaints
dan Penanganan Pengaduan yang Masuk and Handling of Complaints Entered
Melalui Sistem Pelaporan Pelanggaran Through the Violation Reporting System
Penanganan pengaduan pelaporan pelanggaran The handling of violation reporting complaints is
tercermin pada Skema Mekanisme Pengaduan reflected in the Violation Complaint Mechanism
Pelanggaran sebagai berikut: Scheme as follows:
Terlapor
Kepala SPI
Head of SPI
Pelapor Tim WBS
Whistleblower WBS Team
Karyawan/ Mitra Kerja
Tim Investigasi Majelis Disiplin Pusat
Investigation Team Central Disciplinary Council
Pengaduan Dugaan • Mencatat dalam Buku Dewan Komisaris/ Dewan Pengawas Syariah
Pelanggaran Panduan Khusus WB
Complaints of Alleged • Melakukan
Violations penelaahan, Menerbitkan laporan Memutuskan hasil
diteruskan atau tidak Tim WBS/ Tim Investigasi Hasil Audit Investigasi keputusan*
• Record in the WB Direktur Utama atau Laporan Deciding the outcome of
Special Handbook Hasil Pemeriksaan the decision*
President Director
• Conduct a review, Pelanggaran
whether to continue Direksi/ Direksi Perusahaan Anak Menerbitkan laporan
or not Hasil Audit Investigasi
atau Laporan
Hasil Pemeriksaan *Bagi terlapor Karyawan/ Tim
Pelanggaran WBS/ Tim Investigasi
*For reported employees/
WBS Team/Investigation
Team
Komisaris Utama
President Commissioners
Setiap laporan pengaduan yang masuk dievaluasi Each incoming complaint report is evaluated by the
oleh Tim dan selanjutnya dilakukan proses investigasi Team and then carried out an investigation process by
oleh Tim Investigasi. Apabila pejabat yang dilaporkan the Investigation Team. If the official who is reported
terbukti melakukan pelanggaran akan diproses dan to have committed a violation will be processed and
dikenakan sanksi sesuai dengan ketentuan yang diatur subject to sanctions in accordance with the provisions
Perseroan. regulated by the Company.
Dalam hal dugaan pelanggaran/penyimpangan In the event that members of the Board of
dilakukan Dewan Komisaris, Dewan Pengawas Syariah, Commissioners and Board of Directors commit
dan Direksi, setelah dilakukan investigasi oleh Tim violations, after investigation by the Investigation
Investigasi maka laporan dugaan pelanggaran tersebut Team, reports of alleged violations are submitted
diserahkan kepada aparat penegak hukum yang to law enforcement authorities such as the Police,
berwenang seperti Kepolisian, Kejaksaan, atau Komisi Prosecutor’s Office, or the Corruption Eradication
Pemberantasan Korupsi (KPK) dengan memperhatikan Commission (KPK) considering the type of violation
jenis pelanggaran dan tingkat materialitasnya. and the level its materiality.
PT Pegadaian | 2023 Annual Report 667
Page 668
Tata Kelola Perusahaan
Corporate Governance
Sosialisasi WBS WBS Socialization
Dalam rangka memberikan pemahaman dan kesadaran In order to provide understanding and awareness of all
seluruh karyawan maupun pihak terkait lainnya employees and other related parties to report all forms
untuk melaporkan segala bentuk pelanggaran guna of violations in order to minimize the occurrence of
meminimalisir terjadinya pelanggaran-pelanggaran other violations that may arise, the Company always
lain yang mungkin muncul, Perseroan senantiasa conducts socialization regarding WBS both to internal
melakukan sosialisasi terkait WBS baik kepada pihak and external parties.
internal maupun pihak eksternal.
Pada Tahun 2023, sosialisasi WBS kepada Pihak In 2023, WBS socialization to Internal Parties will be
Internal dilaksanakan melalui berbagai media seperti carried out through various media such as holding
pelaksanaan kompetisi Poster WBS, Video WBS, WBS Poster competitions, WBS Videos, giving
pemberian reward kepada Pelapor, dan e-Learning, rewards to Reporters, and e-Learning, as well as
serta sharing penggunaan WBS kepada Auditee pada sharing the use of WBS with Auditees when Auditors
saat Auditor melaksanakan kegiatan audit. Sedangkan carry out audit activities. Meanwhile, outreach to
sosialisasi kepada para pemangku kepentingan external stakeholders is carried out through the
eksternal dilakukan melalui website, Laporan Tahunan, website, Annual Report and Vendor Meetings at the
dan Vendor Meeting di Kantor Pusat maupun masing- Head Office and each Business Unit.
masing Unit Bisnis.
Jumlah Pengaduan Tahun 2023 dan Number of Complaints in 2023 and their
Tindak Lanjutnya Follow-up
Per Desember 2023, terdapat 88 pengaduan bersifat As of December 2023, there were 88 complaints of
dugaan pelanggaran yang disampaikan melalui WBS, alleged violations submitted through the WBS, of
di mana per Desember 2023 46 pengaduan telah which as of December 2023 46 complaints had been
selesai ditindaklanjuti, 18 pengaduan dalam proses followed up, 18 complaints were in the follow-up
tindak lanjut, dan 24 pengaduan dihentikan. process, and 24 complaints were terminated.
Jumlah
Dalam Proses
Laporan Jumlah
Jenis Pengaduan Selesai Pemeriksaan Dihentikan*
No Masuk Tindak Lanjut
Type Complaint Finished In the Stopped*
Number of Number of
Inspection
Incoming Follow-up
Process
Reports
1 Fraud 19 19 10 3 6
Pelanggaran Etika
2 - - - - -
Ethics Violations
Pelanggaran hukum atau peraturan
perundang-undangan yang berlaku
3 11 11 10 1 -
Violation of applicable laws or
regulations
Pelanggaran atas Perjanjian Kerja
Bersama (PKB) dan kebijakan
Perseroan yang berlaku
4 51 51 21 14 16
Violation of the Collective Labor
Agreement (PKB) and applicable
Company policies
Pelanggaran atas Code of Conduct
atau Tata Nilai Perseroan
5 6 6 4 - 2
Violation of the Code of Conduct or
Company Values
Benturan kepentingan (Conflict of
Interest)
6 1 1 1 - -
Conflict of interest (Conflict of
Interest)
88 88 46 18 24
Tidak Cukup Bukti
Insufficient Evidence
668 Laporan Tahunan 2023 | PT Pegadaian
Page 669
Sanksi bagi Pelanggar Sanctions for Offenders
Untuk mendukung penerapan sistem pelaporan To support the proper implementation of the reporting
di Perseroan dijalankan dengan baik, Perseroan system in the Company, the Company provides
memberikan apresiasi bagi pelapor dan sanksi appreciation for reporters and sanctions for violators
bagi pelaku pelanggaran sesuai dengan peraturan in accordance with laws and regulations and sanctions
perundang undangan dan sanksi bagi pegawai yang for employees who are proven to have committed
terbukti melakukan pelanggaran antara lain berupa violations, including warnings, written warnings,
teguran, peringatan tertulis, pengunduran diri dan resignations and layoffs. Sanctions for other parties
PHK. Sanksi bagi pihak lain yang bekerja sama dengan who cooperate with the Company include blacklisting
Perseroan antara lain berupa blacklist dari daftar from the list of partners.
rekanan.
Berikut disampaikan jumlah pengaduan yang The following is the number of complaints that were
tidak ditindaklanjuti, serta jumlah pengaduan yang not followed up, as well as the number of complaints
ditindaklanjuti serta jenis sanksi yang diberikan: that were followed up and the types of sanctions
given:
Tindak Lanjut Jumlah Persentase
No
Follow-up Total Percentage
Pengaduan yang Selesai Tanpa Tindak Lanjut
1 0 0
Completed Complaints Without Follow-up
Peringatan 1
2 136 38.31
Warning 1
Peringatan 2
3 125 35.21
Warning 2
Peringatan 3
4 50 14.08
Warning 3
Pemutusan Hubungan Kerja (PHK)
5 44 12.39
Termination of Employment (PHK)
Jumlah
355 100
Total
Tata Kelola Unit Usaha Syariah Sharia Business Unit Governance
Perseroan memiliki Unit Usaha Syariah (UUS) yang The Company has a Sharia Business Unit (UUS)
menjalankan usaha gadai berdasarkan prinsip syariah. which operates a pawn business based on sharia
Sesuai peraturan perundang-undangan yang berlaku, principles. In accordance with applicable laws and
Lembaga Keuangan Syari’ah harus berada di bawah regulations, Sharia Financial Institutions must be
pengawasan Dewan Pengawas Syariah (DPS) yang under the supervision of the Sharia Supervisory Board
bertugas untuk memastikan semua produk dan (DPS) whose job is to ensure that all products and
operasional Pegadaian Syariah memenuhi prinsip operations of Pegadaian Sharia comply with sharia
syari’ah. Selain DPS, organ UUS terdiri dari Direktur principles. Apart from DPS, UUS organs consist of the
Unit Usaha Syariah dijalankan oleh Direktur Pemasaran Director of the Sharia Business Unit and the Head of
dan Pengembangan Produk dan Kepala Unit Usaha the Sharia Business Unit. These three organs ensure
Syariah. Ketiga organ tersebut memastikan penerapan the application of sharia principles to the products
prinsip syariah pada produk dan layanan yang and services offered by the Company, including in
ditawarkan Perseroan, termasuk juga dalam aktivitas its operational activities. The UUS organs must also
operasionalnya. Organ UUS tersebut juga harus ensure the application of GCG principles within the
memastikan penerapan prinsip governansi korporat scope of UUS Pegadaian.
dalam lingkup UUS Pegadaian.
PT Pegadaian | 2023 Annual Report 669
Page 670
Tata Kelola Perusahaan
Corporate Governance
Dewan Pengawas Syariah Sharia Supervisory Board
Sejalan dengan Undang-Undang No. 40 tahun 2007 In line with Law No. 40 of 2007 concerning Limited
tentang Perseroan Terbatas Pasal 109 ayat (1) dan ayat Liability Companies Article 109 paragraph (1) and
(2), entitas usaha yang menjalankan kegiatan usaha paragraph (2), business entities that carry out business
berdasarkan prinsip syariah selain mempunyai Dewan activities based on sharia principles in addition to
Komisaris wajib mempunyai Dewan Pengawas Syariah having a Board of Commissioners are required to
yang terdiri atas seorang ahli syariah atau lebih yang have a Sharia Supervisory Board consisting of one
diangkat oleh RUPS atas rekomendasi Majelis Ulama or more sharia experts appointed by the GMS on the
Indonesia. recommendation Indonesian Religious Leader.
Landasan Hukum Legal Foundation
Aturan khusus tentang DPS baru ada dalam lembaga Special rules regarding the new DPS exist in banking
perbankan. Namun mengingat kebutuhan dari institutions. However, considering the needs of sharia
lembaga keuangan syariah selain bank khususnya financial institutions other than banks, especially
Pegadaian Syariah terhadap keberadaan DPS, maka Pegadaian Sharia for the existence of DPS, the statutory
landasan perundang-undangan tentang keberadaan basis regarding the existence of DPS partially refers to
DPS sebagian merujuk kepada perundang-undangan the DPS legislation in banking institutions. The basis
DPS di lembaga perbankan. Landasan keberadaan for the existence of DPS at Pegadaian Syariah refers
DPS di Pegadaian Syariah merujuk kepada ketentuan- to the following provisions in legislation or other legal
ketentuan dalam perundang-undangan atau sumber sources, namely:
hukum lain berikut ini, yaitu:
1. Undang-Undang No. 40 Tahun 2007 tentang 1. Law No. 40 of 2007 concerning Limited Liability
Perseroan Terbatas. Companies.
2. Undang-Undang No. 19 Tahun 2003 tentang 2. Law No. 19 of 2003 concerning State Owned
Badan Usaha Milik Negara (BUMN). Enterprises (SOEs).
3. Peraturan Otoritas Jasa Keuangan No. 31/POJK. 3. Financial Services Authority Regulation No. 31/
OS/2016 Tentang Usaha Pergadaian. POJK. OS/2016 Concerning Pawn Businesses.
4. Keputusan DSN-MUI No. 02 tahun 2000 tentang 4. DSN-MUI Decision No. 02 of 2000 concerning
Pedoman Rumah Tangga Dewan Syariah Nasional Household Guidelines for the National Sharia Council
Majelis Ulama Indonesia (DSN-MUI). of the Indonesian Ulema Council (DSN-MUI).
Pengangkatan dan Pemberhentian Dewan Appointment and Dismissal of the Sharia
Pengawas Syariah Supervisory Board
Sejalan dengan Undang-Undang No. 40 tahun 2007 In line with Law No. 40 of 2007 concerning Limited
tentang Perseroan Terbatas Pasal 109 ayat (1) dan ayat Liability Companies Article 109 paragraph (1) and
(2), entitas usaha yang menjalankan kegiatan usaha paragraph (2), business entities that carry out business
berdasarkan prinsip syariah selain mempunyai Dewan activities based on sharia principles in addition to
Komisaris wajib mempunyai Dewan Pengawas Syariah having a Board of Commissioners are required to
yang terdiri atas seorang ahli syariah atau lebih yang have a Sharia Supervisory Board consisting of one
diangkat oleh RUPS atas rekomendasi Majelis Ulama or more sharia experts appointed by the GMS on the
Indonesia. recommendation Majelis Ulama Indonesia.
Dewan Pengawas Syariah diangkat oleh RUPS The Sharia Supervisory Board is appointed by the
atas rekomendasi Dewan Syariah Nasional (DSN)/ GMS on the recommendation of the National Sharia
Majelis Ulama Indonesia (MUI) dan dinyatakan secara Council (DSN)/Majelis Ulama Indonesia (MUI) and
jelas dalam akta notaris. Perseroan telah mengatur stated clearly in a notarial deed. The Company has
Persyaratan Anggota DPS yang memenuhi persyaratan regulated the Requirements for DPS Members who
integritas, antara lain: meet integrity requirements, including:
1. Memiliki akhlak dan moral yang baik. 1. Have good character and morals.
2. Memiliki komitmen untuk memenuhi peraturan 2. Have a commitment to comply with applicable
perundang-undangan yang berlaku. laws and regulations.
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3. Memiliki komitmen yang tinggi terhadap 3. Has a high commitment to the healthy development
pengembangan operasional Perseroan yang of the Company’s operations.
sehat.
4. Mampu untuk bertindak dengan itikad baik, jujur, 4. Able to act in good faith, honestly and
dan profesional. professionally.
5. Mampu bertindak untuk kepentingan Perseroan. 5. Able to act in the interests of the Company.
6. Mendahulukan kepentingan Perseroan daripada 6. Prioritize the interests of the Company over
kepentingan pribadi. personal interests.
7. Mampu mengambil keputusan berdasark. 7. Able to make decisions based on independent
an penilaian independen dan objektif untuk and objective assessments for the benefit of the
kepentingan Perseroan. Company.
8. Mampu menghindarkan penyalahgunaan 8. Able to prevent abuse of authority to gain personal
kewenangannya untuk mendapatkan keuntungan advantage that is not appropriate or cause losses
pribadi yang tidak semestinya atau menyebabkan to the Company.
kerugian Perseroan.
9. Memiliki pengetahuan dan pengalaman di bidang 9. Have knowledge and experience in the field of
syariah muamalah dan pengetahuan di bidang sharia muamalah and knowledge in finance in
keuangan secara umum. general.
10. Tidak pernah dinyatakan pailit atau menjadi 10. Never been declared bankrupt or served as a
Direksi atau Komisaris yang dinyatakan bersalah Director or Commissioner who was found guilty
menyebabkan suatu perseroan dinyatakan pailit, of causing a company to be declared bankrupt,
dalam waktu 5 (lima) tahun terakhir. within the last 5 (five) years.
Masa Jabatan Dewan Pengawas Syariah Term of Office of the Sharia Supervisory
Board
Masa jabatan anggota-anggota Dewan Pengawas The term of office of the members of the Sharia
Syariah sebagaimana diatur melalui keputusan Supervisory Board as stipulated through the decision
Menteri BUMN selaku RUPS, masa jabatan Dewan of the Minister of SOEs as the GMS, the term of office
Pengawas Syariah adalah 4 (empat) tahun dengan of the Sharia Supervisory Board is 4 (four) years
tidak mengurangi hak Rapat Umum Pemegang Saham without prejudice to the right of the General Meeting
untuk memberhentikan sewaktu-waktu. of Shareholders to dismiss them at any time.
Susunan dan Dasar Pengangkatan Dewan Composition and Basis for Appointment
Pengawas Syariah 2023 of the Sharia Supervisory Board 2023
Berdasarkan Surat PT Bank Rakyat Indonesia (Persero) Based on PT Bank Rakyat Indonesia (Persero) Tbk
Tbk No. R.60-DIR/HCB/ 02/2022 tanggal 7 Februari Letter No. R.60-DIR/HCB/ 02/2022 dated 7 February
2022 dan mendapat persetujuan Otoritas Jasa 2022 and received approval from the Financial
Keuangan melalui Surat IKNB Syariah Otoritas Jasa Services Authority through the Financial Services
Keuangan No. SR-20/NB.213/2022 tanggal 22 Juni Authority’s Sharia IKNB Letter No. SR-20/NB.213/2022
2022 jumlah DPS Perseroan berjumlah 2 (dua) orang, dated 22 June 2022 the number of the Company’s
terdiri dari 1 (satu) orang ketua DPS dan 1 (satu) orang DPS is 2 (two) people, consisting of 1 (one) chairman
anggota DPS, dengan demikian komposisi sebagai of the DPS and 1 (one) member of the DPS, thus the
berikut: composition is as follows:
Susunan Dewan Pengawas Syariah per 31 Desember 2023
Composition of the Sharia Supervisory Board as of December 31, 2023
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Name Position Basis of Appointment Term of Office
Surat PT Bank Rakyat Indonesia (Persero) Tbk No. 07 Februari 2022- 06
Ketua R.60-DIR/ HCB/ 02/2022 tanggal 7 Februari 2022 Februari 2026
M. Cholil Nafis
Chairman Letter of PT Bank Rakyat Indonesia (Persero) Tbk No. February 7, 2022-February
R.60-DIR/ HCB/ 02/2022 dated February 7, 2022 6, 2026
Surat PT Bank Rakyat Indonesia (Persero) Tbk No. 07 Februari 2022- 06
M. Asrorun Ni’am Anggota R.60-DIR/ HCB/ 02/2022 tanggal 7 Februari 2022 Februari 2026
Sholeh Member Letter of PT Bank Rakyat Indonesia (Persero) Tbk No. February 7, 2022-February
R.60-DIR/ HCB/ 02/2022 dated February 7, 2022 6, 2026
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Tata Kelola Perusahaan
Corporate Governance
Profil Dewan Pengawas Syariah Profile of the Sharia Supervisory Board
M. Cholil Nafis
Ketua Dewan Pengawas Syariah
Chairman of the Sharia Supervisory Board
Data Pribadi Warga negara Indonesia | Indonesian citizen
Personal Data Usia 48 tahun | 48 years old
Domisili Jakarta Selatan, DKI Jakarta, Indonesia
Residence South Jakarta, DKI Jakarta, Indonesia
Diangkat sebagai Ketua Dewan Pengawas Syariah melalui Surat PT Bank Rakyat Indonesia
(Persero) Tbk No. R.60-DIR/HCB/ 02/2022 tanggal 7 Februari 2022 untuk masa jabatan hingga
06 Februari 202Jabatan ini merupakan periode kedua sebagai Ketua Dewan Pengawas Syariah.
Riwayat Penunjukan
Appointed as Chairman of the Sharia Supervisory Board through Letter of PT Bank Rakyat
Appointment History
Indonesia (Persero) Tbk No. R.60-DIR/ HCB/ 02/2022 dated 7 February 2022 for a term
of office until 06 February 2026. This position is the second period as Chair of the Sharia
Supervisory Board.
• Doktor (S3) Doctor of Philosophy in Islamic Finance dari University of Malaya, Malaysia
• Magister (S2) Program Master (MA) Syariah dari UIN Syarif Hidayatullah Jakarta
• Sarjana (S1) Sarjana Agama (S.Ag) dari Sekolah Tinggi Agama Islam Az-Ziyadah Jakarta
• Sarjana (S1) Licence (Lc) Syariah dari Ibnu Sa’ud Islamic University, Jakarta
Pendidikan
Education
• Doctor (S3) Doctor of Philosophy in Islamic Finance from the University of Malaya, Malaysia
• Masters (S2) Sharia Master (MA) Program from UIN Syarif Hidayatullah Jakarta
• Bachelor (S1) Bachelor of Religion (S.Ag) from Islamic High School Az-Ziyadah Jakarta
• Bachelor (S1) License (Lc) Sharia from Ibnu Sa’ud Islamic University, Jakarta
• Sertifikat Kompetensi Sebagai Asesor Kompetensi
• Sertifikasi Sebagai Pengawas Syariah
Sertifikasi
Certification
• Competency Certificate as a Competency Assessor
• Certification as Sharia Supervisor
• Ketua Dewan Pengawas Syariah PT Pegadaian (2017-Sekarang)
• Ketua MUI Bidang Dakwah dan Ukhuwah (2020-Sekarang)
• Pengasuh Pesantren Cendekia Amanah (2016-Sekarang)
• Dosen Pengajar di Sekolah Tinggi Al-Qur’an Al-Hikam (2011-Sekarang)
• Dosen Pengajar di UIN Syarif Hidayatullah (2005-Sekarang)
• Dosen Pengajar di Universitas Indonesia (2004-sekarang)
• Anggota Dewan Pengawas Syariah (2013-2017)
• Anggota Kelompok Kerja Pengembangan Jasa Keuangan Syariah OJK (2013-2017)
Riwayat Profesi
Professional Certification
• Chairman of PT Pegadaian’s Sharia Supervisory Board (2017-Present)
• Chairman of the MUI for Da’wah and Ukhuwah (2020-Present)
• Caretaker of Amanah Scholar Islamic Boarding School (2016-Present)
• Lecturer at Al-Qur’an Al-Hikam High School (2011-Present)
• Lecturer at UIN Syarif Hidayatullah (2005-Present)
• Lecturer at the University of Indonesia (2004-present)
• Member of the Sharia Supervisory Board (2013-2017)
• Member of OJK Sharia Financial Services Development Working Group (2013-2017)
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris dan Direksi dan Pemegang
Hubungan Afiliasi Saham Pengendali.
Affiliate Relationship Has no affiliation with members of the Board of Commissioners and Board of Directors and
Controlling Shareholders.
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M. Asrorun Ni’am Sholeh
Anggota Dewan Pengawas Syariah
Member of the Sharia Supervisory Board
Data Pribadi Warga negara Indonesia | Indonesian citizen
Personal Data Usia 47 tahun | 47 years old
Domisili Depok, Jawa Barat, Indonesia
Residence Depok, West Java, Indonesia
Diangkat sebagai Anggota Dewan Pengawas Syariah melalui Surat PT Bank Rakyat Indonesia
(Persero) Tbk No. R.60-DIR/HCB/ 02/2022 tanggal 7 Februari 2022 untuk masa jabatan hingga
06 Februari 2026.
Riwayat Penunjukan
Appointed as Member of the Sharia Supervisory Board through Letter of PT Bank Rakyat
Appointment History
Indonesia (Persero) Tbk No. R.60-DIR/ HCB/ 02/2022 dated 7 February 2022 for a term
of office until 06 February 2026. This position is the second period as Chair of the Sharia
Supervisory Board.
• Doktor (S3) Kajian Islam Syariah dari UIN Jakarta
• Master (S2) Kalian Islam Syariah dari IAIN Jakarta
• Sarjana (S1) Licence Syariah dari Ibnu Sa’ad Islamic University
• Sarjana (S1) Tarbiyah dari IAIA Jakarta
Pendidikan
Education
• Doctor of Sharia Islam Study from UIN Jakarta
• Master of Sharia Islam Study from IAIN Jakarta
• Bachelor of Sharia Lisence from Ibnu Sa’ad Islamic University
• Bachelor of Tarbiyah from IAIA Jakarta
• Sertifikasi Dewan Pengawas Syari’ah (DPS) Level II
• Sertifikasi Dewan Pengawas Syari’ah (DPS) Perbankan Syariah
Sertifikasi
Certification
• Supervisory Board Certification Level II
• Sharia Banking Supervisory Board Certification
• Anggota Dewan Pengawas Syariah PT Pegadaian (2017-Sekarang)
• Deputi Bidang Pengembangan Pemuda Kementerian Pemuda dan Olahraga Republik
Indonesia (2015-Sekarang)
• Ketua DPS PT. FWD Asuransi (2015-Sekarang)
• Ketua MUI Bidang Fatwa di MUI Pusat (2020-Sekarang)
• Anggota DPS Samuel Aset Manajemen (2020- Sekarang)
• Sekretaris Komisi Fatwa MUI di MUI (2015-2020)
• Ketua Komisi Perlindungan Anak Indonesia (2014-2017)
• Ketua DPS PT Maybank Syari’ah (2010- Sekarang)
• Dosen UIN Jakarta (2003-Sekarang)
• Tenaga Ahli DPR-RI (2005-2009)
Riwayat Profesi
Professional Certification
• Member of Sharia Supervisory Board of PT Pegadaian (2017-present)
• Deputy of Youth Development in Ministry of Youth and Sport of Republic of Indonesia
(2015-present)
• Chairman of Supervisory Board of PT. FWD Asuransi (2015-present)
• Chairman of Fatwa at Central MUI (2020-present)
• Member of Supervisory Board of Samuel Aset Manajemen (2020-present)
• Secretary of Fatwa MUI Commission (2015-2020)
• Head of Indonesian Child Protection Commission (2014-2017)
• Chairman of Supervisory Board of PT Maybank Syariah (2010-present)
• Lecturer at UIN Jakarta (2003-present)
• Expert Staff at DPR RI (2005-2009)
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris dan Direksi dan Pemegang
Hubungan Afiliasi Saham Pengendali.
Affiliate Relationship Has no affiliation with members of the Board of Commissioners and Board of Directors and
Controlling Shareholders.
PT Pegadaian | 2023 Annual Report 673
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Tata Kelola Perusahaan
Corporate Governance
Pedoman, Tugas, dan Wewenang Dewan Guidelines, Duties, and Authorities of the
Pengawas Syariah Sharia Supervisory Board
Dewan Pengawas telah memiliki pedoman kerja yang The Supervisory Board has work guidelines stipulated
diatur dalam Keputusan Dewan Syariah Nasional in the Decree of the National Sharia Council of the
Majelis Ulama Indonesia No. 01 Tahun 2000 tentang Indonesian Ulema Council No. 01 of 2000 concerning
Pedoman Dasar Dewan Syariah Nasional-Majelis Basic Guidelines for the National Sharia Council-
Ulama Indonesia (PD-DSN MUI), dengan tugas dan Indonesian Ulema Council (PD-DSN MUI), with the
tanggung jawab sebagai berikut: following duties and responsibilities:
1. Memberikan nasihat dan saran kepada Direksi 1. Provide advice and suggestions to the Board of
serta melakukan pengawasan atas kegiatan Directors and supervise the Company’s activities
Perseroan berdasarkan Prinsip Syariah sesuai based on Sharia Principles in accordance with the
dengan Fatwa DSN-MUI. DSN-MUI Fatwa.
2. Pelaksanaan tugas pengawasan dan pemberian 2. The implementation of supervisory duties and
nasihat serta saran yang dilakukan Dewan providing advice and suggestions carried out by the
Pengawas Syariah (DPS) dilakukan terhadap: Sharia Supervisory Board (DPS) is carried out on:
• Produk syariah di Perseroan. • Sharia products in the Company.
• Kegiatan Perseroan dalam pengelolaan Dana • The Company’s activities in managing the
Kebajikan Umat. Community Virtue Fund.
• Praktik pemasaran Produk Syariah yang • Sharia Product marketing practices carried out
dilakukan oleh Perseroan. by the Company.
3. Membina akhlak karyawan pada Outlet 3. Fostering employee morals at Outlets based on
berdasarkan pembinaan keislaman. Islamic coaching.
4. Bersama Direksi dan Komisaris secara terus 4. Together with the Board of Directors and Board
menerus mengawal dan menjaga penerapan nilai- of Commissioners, continuously oversee and
nilai islam dalam setiap aktivitas Produk Syariah maintain the application of Islamic values in every
dan Outlet. activity of Sharia Products and Outlets.
5. Meminta klarifikasi dan memberi saran/nasihat 5. Ask for clarification and provide advice/advice if it
apabila dinilai terdapat kebijakan atau tindakan is assessed that there are policies or management
Manajemen yang tidak sesuai dengan Prinsip actions that are not in accordance with Sharia
Syariah. Principles.
6. Merumuskan permasalahan-permasalahan yang 6. Formulate issues that require discussion of access
memerlukan pembahasan akses Dewan Syariah to the National Sharia Council (DSN).
Nasional (DSN).
7. Melakukan sosialisasi kepada masyarakat tentang 7. Conduct outreach to the public about Pegadaian
Pegadaian Syariah melalui media antara lain Sharia through the media including taklim
majelis taklim, khotbah, pengajian maupun dialog assemblies, sermons, recitations and dialogues
tokoh agama dan masyarakat. between religious and community leaders.
8. Mengikuti fatwa-fatwa Dewan Syariah Nasional 8. Follow the fatwas of the National Sharia Council
Majelis Ulama Indonesia (DSN-MUI) dan of the Indonesian Ulema Council (DSN-MUI) and
menerapkan secara aplikatif. implement them in an applicative manner.
9. Melaporkan kegiatan usaha dan perkembangan 9. Report the business activities and development
Pegadaian Syariah secara rutin kepada Dewan of Pegadaian Sharia regularly to the National
Syariah Nasional Majelis Ulama Indonesia (DSN- Sharia Council of the Indonesian Ulema Council
MUI) sekurang-kurangnya 1 (satu) kali dalam (DSN-MUI) at least 1 (one) time in 1 (one) year and
1 (satu) tahun dan memberikan tembusannya provide a copy to the Company.
kepada Perseroan.
10. Melaksanakan rapat minimal 6 (enam) kali dalam 10. Hold meetings at least 6 (six) times a year and at
setahun dan waktu-waktu lain jika dipandang perlu. other times if deemed necessary.
11. Mengajukan usul-usul pengembangan Produk- 11. Submit suggestions for the development of Sharia
produk Syariah demi tercapainya kemajuan products in order to achieve the progress of the
Perseroan. Company.
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Dalam menjalankan tugasnya, Dewan Pengawas In carrying out its duties, the Company’s Sharia
Syariah Perseroan memiliki wewenang sebagai berikut: Supervisory Board has the following authorities:
1. Melakukan pengawasan, baik yang terkait dengan 1. Carry out supervision, both related to Products,
Produk, Operasional, maupun kebijakan pada Operations, and policies at Pegadaian Sharia so
Pegadaian Syariah agar senantiasa sesuai dengan that they are always in accordance with sharia
prinsip syariah. principles.
2. Memberikan nasehat, saran atau opini syariah 2. Provide sharia advice, suggestions or opinions to
kepada manajemen. management.
3. Memberikan teguran atau peringatan bilamana 3. Give a warning or warning when there is a deviation
terjadi penyimpangan dari Prinsip Syariah. from the Sharia Principles.
4. Berhak mendapatkan akses informasi dan data 4. Has the right to access information and data
yang terkait dengan operasional Perseroan di related to the Company’s operations in the sharia
bidang syariah secara lengkap dan tepat waktu. sector in a complete and timely manner.
5. Menerima laporan tertulis secara berkala yang 5. Receive periodic written reports related to the
terkait dengan operasional Perseroan di bidang Company’s sharia operations.
syariah.
Aspek dan Objek Pengawasan Aspects and Objects of Supervision
Obyek pengawasan DPS adalah Unit Usaha Syariah The objects of DPS supervision are Sharia Business
dan outlet (CPS dan UPS). Ruang lingkup pengawasan Units and outlets (CPS and UPS). The scope of DPS
DPS pada masing-masing objek pengawasan sebagai supervision for each supervisory object is as follows:
berikut:
1. Unit Usaha Syariah Pengawasan DPS di Unit 1. Sharia Business Unit
Usaha Syariah dilakukan terhadap aspek-aspek DPS supervision in the Sharia Business Unit is
pengawasan: carried out on the following aspects of supervision:
• Standard Operating Procedure (SOP) dan • Standard Operating Procedure (SOP) and
Produk. Products.
• Proses pengembangan produk baru. • New product development process.
• Sumber pendanaan/pinjaman dan akad-akad • Sources of funding/loans and contracts used.
yang digunakan.
• Kerja sama Perseroan dengan pihak lainnya • Cooperation between the Company and other
untuk pengembangan usaha syariah. parties for sharia business development.
• SOP kegiatan penerimaan pendanaan dan • SOP for receiving funding and loans.
pinjaman.
• Dukungan manajemen dalam pengembangan • Management support in developing Pegadaian
outlet Pegadaian Syariah. Syariah outlets.
• Neraca Keuangan akhir tahun/bulan. • End of year/month financial balance.
• Aspek lain menurut pertimbangan DPS. • Other aspects according to DPS considerations.
• Proses bisnis, sistem dan prosedur, akad, • Business processes, systems and procedures,
ketentuan, atau hal-hal lain yang belum contracts, provisions, or other matters that
didukung fatwa atau opini. have not been supported by a fatwa or opinion.
2. Outlet (CPS dan UPS) 2. Outlets (CPS and UPS)
Pengawasan DPS di outlet dilakukan terhadap DPS supervision at outlets is carried out on the
aspek-aspek pengawasan: following aspects of supervision:
• Mekanisme operasional serta pelayanan. • Operational mechanisms and services.
• Kegiatan pemasaran dan unit-unit pembantu • Marketing activities and marketing support
pemasaran/programnya. units/programs.
• Contoh dokumen akad-akad yang digunakan. • Examples of contract documents used.
• Neraca Keuangan akhir tahun/bulan. • End of year/month financial balance.
• Aspek lain menurut pertimbangan DPS. • Other aspects according to DPS considerations.
PT Pegadaian | 2023 Annual Report 675
Page 676
Tata Kelola Perusahaan
Corporate Governance
Laporan Singkat Pelaksanaan Brief Report on the Implementation
Tugas dan Tanggung Jawab Dewan of Duties and Responsibilities of the
Pengawas Syariah Tahun 2023 Sharia Supervisory Board for 2023
1. Rapat DPS 1. DPS Meeting
Hingga akhir Desember 2023, DPS telah During 2023, the Sharia Supervisory Board has
melaksanakan rapat sebanyak 16 (enambelas) kali held 7 meetings with the attendance frequency as
dengan frekuensi kehadiran sebagai berikut: follows:
Nama Jumlah Rapat Kehadiran
No
Name Number of Meeting Attendance
12 (duabelas) 12 (duabelas)
1 Muhammad Cholil Nafis
12 (twelve) 12 (twelve)
8 (delapan) 8 (delapan)
2 Muhammad Asrorun Ni’am Sholeh
8 (eight) 8 (eight)
2. Pendapat DPS Terkait Pelaksanaan Kepatuhan 2. DPS Opinion Regarding the implementation of
Syariah Sharia Compliance
Hingga akhir Desember 2023, DPS telah As of the end of December 2023, DPS has
mengeluarkan pendapat sebanyak 6 (enam) issued opinions 6 times, namely related to the
kali yaitu terkait pelaksanaan kepatuhan syariah implementation of sharia compliance with a list
dengan daftar pendapat, berdasarkan hasil notulen of opinions, based on the results of the minutes
rapat DPS bersama Unit Usaha Syariah, sebagai of DPS meetings with the Sharia Business Unit, as
berikut: follows:
Tanggal Perihal
No
Date Subject
03 Februari 2023 Opini pada produk syariah yang masuk dalam rencana pengembangan produk
1
February 3 2023 Opinion on sharia products included in the product development plan
03 Februari 2023 Penguatan pemahaman akad produk-produk syariah
2
February 3 2023 Strengthening understanding of sharia product contracts
03 Februari 2023 Pembahasan akad produk mulia
3
February 3 2023 Discussion of noble product contracts
03 Februari 2023 Pemaparan dan evaluasi penyaluran DKU
4
February 3 2023 Presentation and evaluation of DKU distribution
03 Agustus 2023 Pembahasan Opini Haji Khusus
5
December 3 2023 Special Hajj Opinion Discussion
16 November 2023 Opini disbursal dan open account BRI Simpedes pada Outlet Syariah
6
November 16 2023 BRI Simpedes disbursal and open account opinions at Sharia Outlets
3. Frekuensi dan Cara Pemberian Nasihat dan Saran 3. DPS Opinion Regarding the implementation of
serta Pengawasan Pemenuhan Prinsip Sharia Compliance
Hingga akhir Desember 2023, DPS Perseroan telah As of the end of December 2023, the Company’s
memberikan nasihat dan saran kepada Direktur DPS has provided advice and suggestions to the
yang bertugas mengawasi kegiatan Unit Usaha Director in charge of supervising the activities of
Syariah (UUS) agar sesuai dengan Prinsip Syariah: the Sharia Business Unit (UUS) so that they comply
with Sharia Principles:
Aktivitas Pengawasan DPS Mekanisme Pengawasan Frekuensi Pelaksana
No
DPS Monitoring Activities Supervision Mechanism Frequency Executor
Melakukan Audit dan
Audit operasional dan pembinaan
pembinaan langsung ke KH Cholil Nafis,
Cabang Syariah persemester
1 cabang-cabang syariah KH. Asrorun Ni’am
Operational audit and per semester
Conduct audits and direct Sholeh
development of the Sharia Branch
guidance to sharia branches
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4. Pengembangan Kompetensi DPS 4. DPS Competency Development
Anggota DPS Perseroan telah mengikuti berbagai The Company’s DPS members have participated in
program pelatihan, workshop, konferensi selama various training programs, workshops, conferences
tahun 2023, seminar antara lain: throughout 2023, seminars including
Nama Jabatan Program Pengembangan
Name Position Development Program
• Konfrensi Agama, Perdmaian, dan Masyarakat (DSN-MUI)
• Pendidikan, Kebudayaan, dan Karakter bangsa (ISMI)
• Workshop Asesment/Uji Kompetensi (BNSP)
• Managing Environmental, Social, Governance Risk and Oportunities
(OJK)
• Meningkatkan Kolaborasi Pengembangan Ekonomi Keuangan
Syariah di Era Disrupsi Ekonomi
• Sosialisasi Fatwa DSN-MUI Terbaru (DSN-MUI)
Muhammad Cholil Ketua DPS
Nafis Chairman of DPS
• Conference on Religion, Peace and Society (DSN-MUI)
• Education, Culture and National Character (ISMI)
• Competency Assessment/Test Workshop (BNSP)
• Managing Environmental, Social, Governance Risk and
Opportunities (OJK)
• Increasing Collaboration in Sharia Financial Economic Development
in the Era of Economic Disruption
• Socialization of the Latest DSN-MUI Fatwa (DSN-MUI)
• Workshop Pra_Ijtima Sanawi (annual Meeting) Dewan Pengawas
Syariah - Bidang Pembiayaan, Modal Ventura, Pergadaian dan
Inovasi Teknologi Sektor Keuangan Syariah (DSN-MUI)
• Ijtima Sanawi (annual Meeting) Dewan Pengawas Syariah -
Meningkatkan Kolaborasi Pengembangan Ekonomi Keuangan
Syariah di Era Disrupsi Ekonomi (DSN-MUI)
Muhammad Asrorun Anggota
Ni’am Sholeh Member of DPS
• Pra_Ijtima Sanawi Workshop (annual Meeting) Sharia Supervisory
Board - Financing, Venture Capital, Pawnshops and Technological
Innovation in the Sharia Financial Sector (DSN-MUI)
• Ijtima Sanawi (annual Meeting) Sharia Supervisory Board -
Increasing Collaboration in Sharia Financial Economic Development
in the Era of Economic Disruption (DSN-MUI)
Direktur Unit Usaha Syariah Head of Sharia Director
Direktur Unit Usaha Syariah dijalankan oleh Direktur The Director of the Sharia Business Unit is run by the
Pemasaran dan Pengembangan Produk sebagaimana Director of Marketing and Product Development in
Keputusan Direksi No. 553/KEP/2023 Tentang accordance with the Decree of the Board of Directors
Pembagian Tugas dan Tanggungjawab Board of No. 553/KEP/2023 Concerning the Distribution of
Management serta Penggantinya Apabila Berhalangan Duties of the Board of Directors and Senior Executive
Sementara dalam Menjalankan Tugas, dengan tugas Vice President (SEVP) and Their Replacements in
dan tanggung jawab sebagai berikut: the Case of Temporary Unavailability in Carrying out
Duties, with the following duties and responsibilities:
1. Mengarahkan, mengevaluasi dan 1. Directing, evaluating and coordinating the
mengkoordinasikan pelaksanaan kebijakan dan implementation of policies and strategies in the
strategi di bidang Pemasaran dan Pengembangan field of Marketing and Product Development, in
Produk, dalam rangka mencapai tujuan Perseroan order to achieve the Company’s goals in accordance
sesuai Anggaran Dasar Perseroan; with the Company’s Articles of Association;
2. Mengatur tata kerja organisasi di bawahnya serta 2. Regulate the work procedures of the organization
melakukan supervisi dan pembinaan terhadap Unit under it as well as supervise and develop the Work
Kerja yang terdiri dari: Units which consist of:
• Divisi Produk Gadai • Pawn Products Division
• Divisi Produk Emas • Gold Products Division
PT Pegadaian | 2023 Annual Report 677
Page 678
Tata Kelola Perusahaan
Corporate Governance
• Unit Usaha Syariah • Sharia Business Unit
• Divisi Produk Mikro Fidusia • Fiduciary Micro Products Division
• Divisi Pemasaran’ • Marketing Division
Kepala Unit Usaha Syariah The Director of the Sharia Business Unit
Sejalan dengan Struktur Perseroan, dalam menjalankan In line with the Company Structure, in carrying out
kegiatan operasional UUS Perseroan, Kepala Unit the Company’s UUS operational activities, the UUS
Usaha Syariah memiliki tugas dan tanggung jawab Director is assisted by the Head of the Sharia Business
sebagai berikut: Unit with the following duties and responsibilities:
1. Penyusunan strategi, kajian, kebijakan 1. Formulation of strategies, studies, policies for
pengembangan Produk Syariah baru maupun the development of new sharia products and
improvement produk syariah eksisting sesuai improvement of existing sharia products according
kebutuhan pasar dan dinamika persaingan; to market needs and competitive dynamics;
2. Penyusunan strategi, kajian, kebijakan operasional, 2. Formulation of strategies, studies, operational
product branding, product marketing, serta policies, product branding, product marketing, as
monitoring dan evaluasi kinerja Produk Syariah well as monitoring and evaluating the performance
eksisting sesuai dinamika dan persaingan; of existing Sharia products according to the
dynamics and competition;
3. Pengelolaan operasional bisnis Syariah dan 3. Management of Sharia business operations and
menyusun rencana kerja, implementasi, preparing work plans, implementation, monitoring
monitoring dan evaluasi program pemasaran dan and evaluation of marketing and sales programs
penjualan untuk Produk Syariah sesuai dengan for Sharia Products in accordance with market
kebutuhan pasar dan dinamika persaingan; needs and competitive dynamics;
4. Pengelolaan pengembangan sumber daya insani, 4. Manage the development of human resources,
keuangan dan logistik sesuai prinsip Syariah; finance and logistics according to Sharia principles;
5. Pengelolaan desain program, pelaksanaan 5. Management of program design, operational
operasional, monitoring dan evaluasi dalam implementation, monitoring and evaluation in the
pengelolaan Dana Kebajikan Umat (DKU) sesuai management of Community Virtue Funds (DKU)
Standar Operasional dan Prosedur (SOP) yang in accordance with applicable Standard Operating
berlaku. Procedures (SOP).
Laporan Pelaksanaan Kegiatan Pemasaran Report on the Implementation of
Unit Usaha Syariah Tahun 2023 Marketing Activities for Sharia Business
Unit in 2023
Kegiatan Pelaksanaan
No
Activity Implementation
Januari - Desember 2023
1 Media Social Activation
January - December 2023
Pegadaian Syariah Automatic Placement Native Image PT Grab Teknologi
Indonesia Tahun 2023 Maret 2023
2
Sharia Pegadaian Automatic Placement Native Image PT Grab Teknologi Indonesia March 2023
2023
Festival KUR di Bandung Maret 2023
3
KUR Festival in Bandung March 2023
Ramadhan Instagram Live April 2023
4
Ramadan Instagram Live April 2023
Sponsorship Silaturahmi Ramadhan Indonesia TV 9 Mei 2024
5
Sponsorship of Indonesian TV 9 Ramadhan Gathering May 2023
678 Laporan Tahunan 2023 | PT Pegadaian
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Kegiatan Pelaksanaan
No
Activity Implementation
Juni - November 2023
6 Sharia Financial Literacy Goes to Campus
June - November 2023
Bulan Inklusi Keuangan (BIK) 2023 - OJK Juli - Agustus 2023
7
Financial Inclusion Month (BIK) 2023 - OJK June - August 2023
Agustus 2023
8 Sponsorship Indonesia Syiar Network (ISN)
August 2023
Sponsorship Rakernas Lembaga Pengembang Usaha Mikro Kecil & Menengah
Pimpinan Pusat Muhammadiyah
9 Agustus 2023
Sponsorship of the National Working Meeting, Micro, Small & Medium Enterprise
Development Institution, Muhammadiyah Central Leadership
Seminar Arrum Haji Langkah Mudah Menuju Baitullah Agustus 2023
10
Arrum Haji seminar easy steps to Baitullah August 2023
Agustus - Desember 2023
11 OOH Placement
August - December 2023
Sosialisasi Inklusi Keuangan Bagi Perempuan, Pemuda dan UMKM Agustus 2023
12
Socialization of Financial Inclusion for Women, Youth and MSMEs August 2023
Pegadaian Syariah Bundling Tahun 2023 Agustus - Desember 2023
13
Sharia Pawnshop Bundling in 2023 August - December 2023
Halal Fair Literasi bersama SALIMAH Kemang Selatan
14 September 2023
Halal Fair Literacy with SALIMAH Kemang Selatan
Sponsorship Multaqo Ulama Pesantren Se-Madura
15 September 2023
Sponsorship of Multaqo Ulama Islamic Boarding Schools throughout Madura
16 Sponsorship Sustainable SOE & Islamic Business Forum 2023 September 2023
Literasi dan Edukasi Produk Pembiayaan Wisata Religi Oktober 2023
17
Literacy and Education on Religious Tourism Financing Products October 2023
Pembiayaan Wisata Religi Radio Podcast Oktober 2023
18
Financing Religious Tourism Radio Podcast October 2023
Oktober 2023
19 Fin Expo Event Tahun 2023
October 2023
Sponsorship Hari Santri Nasional PWNU Denpasar Oktober 2023
20
PWNU Denpasar National Santri Day Sponsorship October 2023
Transfumi Summit Tahun 2023 di Yogyakarta
21 November 2023
Transfumi Summit 2023 in Yogyakarta
Literasi Keuangan Syariah SICANTIK - OJK
22 November 2023
SICANTIK Sharia Financial Literacy - OJK
Tabligh Akbar bersama Dewan Pengawas Syariah dan Sosialisasi Inklusi Keuangan
Syariah di Sorong
23 November 2023
Tabligh Akbar together with the Sharia Supervisory Board and Socialization of
Sharia Financial Inclusion in Sorong
Roadshow Pemeriksaan Ibu Sehat dan Sembako Gratis Desember 2023 - Januari 2024
24
Roadshow for Healthy Maternal Examinations and Free Basic Food December 2023 - January 2024
PT Pegadaian | 2023 Annual Report 679
Page 680
Tata Kelola Perusahaan
Corporate Governance
Tata Kelola Hubungan Induk Parent Company and Subsidiaries
Perusahaan dan Anak Perusahaan Relationship Governance
Sejalan dengan pertumbuhan dan perkembangan In line with the growth and development of its
bisnisnya, Pegadaian membentuk Anak Perusahaan business, Pegadaian has formed Subsidiaries as
sebagai salah satu strategi Pegadaian untuk one of the Pegadaian’s strategies to maintain
mempertahankan kelangsungan (sustainability) business sustainability and development in achieving
dan pengembangan bisnis dalam mencapai tujuan Pegadaian’s goals.
Pegadaian.
Dalam rangka meningkatkan kontribusi Anak In order to increase the contribution of consolidated
Perusahaan yang terkonsolidasi dalam kinerja Subsidiaries to Pegadaian’s financial performance in
keuangan Pegadaian di masa mendatang, maka the future, the management of Subsidiaries needs
pengelolaan Anak Perusahaan perlu diatur dalam suatu to be regulated in a general policy that regulates
kebijakan umum yang mengatur hubungan antara the relationship between Pegadaian as the Parent
Pegadaian sebagai Induk Perusahaan (IP) dengan Company (IP) and Pegadaian’s Subsidiaries (AP)
Anak Perusahaan (AP) Pegadaian yang meliputi; (i) which includes; (i) aspects of corporate governance;
aspek tata kelola perusahaan; (ii) aspek bisnis dan (ii) business aspects and (iii) operational management
(iii) aspek pengelolaan operasional Anak Perusahaan. aspects of Subsidiaries. This policy is stated in the
Kebijakan tersebut dituangkan dalam Peraturan Board of Directors Regulation No. 156 of 2020
Direksi No. 156 Tahun 2020 tentang Pedoman Umum concerning General Guidelines for Parent and
Hubungan Induk dan Anak Perusahaan. Sebagaimana Subsidiary Relations.
telah diubah dengan Peraturan direksi No. 83 Tahun
2022.
In addition, Pegadaian also has a policy that regulates
Selain itu, Pegadaian juga telah memiliki kebijakan the interaction between the Parent Company and
yang mengatur hubungan interaksi antara Induk Subsidiaries as outlined in Board of Directors’
Perusahaan dan Anak Perusahaan yang dituangkan Regulation No. 157 of 2020 concerning Guidelines for
dalam Peraturan Direksi No. 157 Tahun 2020 tentang Interaction between Parent and Subsidiary Companies.
Pedoman Interaksi Hubungan Induk dan Anak
Perusahaan. Kebijakan-kebijakan tersebut mengatur
berbagai bentuk hubungan dan interaksi antara
Induk Perusahaan dan Anak Perusahaan, termasuk
di dalamnya mengatur mengenai pendirian dan
pembubaran Anak Perusahaan.
680 Laporan Tahunan 2023 | PT Pegadaian
Page 681
Transparansi Praktek Bad Governance Transparency of Bad Governance
Practices
Sesuai dengan komitmen Perseroan untuk menerapkan In accordance with the Company’s commitment
GCG, berikut adalah pengungkapan tindakan yang to implementing GCG, the following is a disclosure
berkaitan dengan praktik Bad Corporate Governance: of actions related to Bad Corporate Governance
practices:
Transparansi Praktik Bad Corporate Governance Tahun 2021-2023
2021-2023 Transparency of Bad Governance Practices
Tahun
Praktik Year
No
Practice
2023 2022 2021
Aktivitas perdagangan orang dalam (insider trading) yang
melibatkan direksi/komisaris, manajemen dan karyawan
1 X X X
Insider trading activities involving directors/commissioners,
management and employees
Ketidakpatuhan dalam pengungkapan pemenuhan kewajiban
perpajakan termasuk putusan bersalah dari pengadilan pajak
tertinggi terkait masalah perpajakan apapun
2 X X X
Non-compliance in disclosing the fulfillment of tax obligations
including a guilty verdict from the highest tax court regarding any
tax issue
Ketidaksesuaian penyajian Laporan Tahunan dan Laporan Keuangan
dengan peraturan yang berlaku dan SAK
3 X X X
Inconsistency in the presentation of the Annual Report and Financial
Reports with applicable regulations and SAK
Kasus ketidakpatuhan terhadap hukum, aturan dan peraturan yang
berkaitan dengan transaksi pihak berelasi yang signifikan atau
4 material X X X
Cases of non-compliance with laws, rules and regulations relating to
significant or material related party transactions
Tidak terdapat pengungkapan segmen operasi pada Laporan
5 Keuangan X X X
There is no disclosure of operating segments in the Financial Report
Pelanggaran hukum apa pun yang berkaitan dengan masalah
perburuhan/ketenagakerjaan/konsumen/kepailitan/komersial/
6 persaingan atau lingkungan X X X
Violation of any law relating to labor/employment/consumer/
bankruptcy/commercial/competition or environmental matters
Sanksi dari regulator karena tidak membuat pengumuman dalam
jangka waktu yang ditentukan untuk peristiwa penting
7 X X X
Sanctions from regulators for not making announcements within the
timeframe specified for important events
Bukti bahwa perusahaan tidak mematuhi aturan dan peraturan
pencatatan apa pun selama setahun terakhir selain dari aturan
8 pengungkapan X X X
Evidence that the company did not comply with any listing rules and
regulations during the past year other than disclosure rules
V = ada X = tidak ada
PT Pegadaian | 2023 Annual Report 681
Page 682
07
Laporan Tanggung Jawab Sosial & Lingkungan (TJSL)
Corporate Social Responsibility (CSR)
Tanggung Jawab
Sosial Lingkungan
Perusahaan
Corporate Social Responsibility
682 Laporan Tahunan 2023 | PT Pegadaian
Page 683
07 PT Pegadaian | 2023 Annual Report 683
Page 684
Laporan Tanggung Jawab Sosial & Lingkungan (TJSL) Corporate Social Responsibility (CSR) Tata Kelola Tanggung Jawab Sosial Perusahaan Governance of Corporate Social Responsibility 684 Laporan Tahunan 2023 | PT Pegadaian
Page 685
Pegadaian selaku anggota Holding BUMN Ultra Mikro Pegadaian as member of the Ultra Micro BUMN Holding senantiasa memastikan seluruh kegiatan usahanya always ensures that all its business activities can have dapat memberikan dampak positif bagi para pemangku positive impact on stakeholders and develop business kepentingan dan mengembangkan bisnis sesuai in accordance with sustainable principles. Therefore, dengan berpegang prinsip-prinsip berkelanjutan. the Company is committed to implementing the Social Untuk itu, Perseroan berkomitmen untuk menjalankan and Environmental Responsibility (TJSL) program to program Tanggung Jawab Sosial dan Lingkungan support the sustainable development. (TJSL) guna mendukung pembangunan berkelanjutan. Kegiatan TJSL yang dijalankan oleh Pegadaian TJSL activities of Pegadaian are manifestation of the merupakan wujud kepedulian Perseroan terhadap Company’s concern for the environment, respect for lingkungan, penghormatan terhadap hak asasi manusia, human rights, obligation to provide a comfortable kewajiban untuk menyediakan tempat yang nyaman place and good working relationships with employees, dan hubungan kerja yang baik dengan karyawan, prioritize maintaining occupational health and safety, mengutamakan terjaganya kesehatan dan keselamatan and play a role in developing the local economy and kerja, serta ikut berperan dalam mengembangkan community. Through the TJSL program, the Company ekonomi dan komunitas lokal. Melalui program TJSL, continues to support community development and Perseroan senantiasa mendukung perkembangan sustainable environmentally-oriented development masyarakat dan pembangunan berwawasan that touches 3 (three) aspects: economic, social, and lingkungan berkelanjutan yang menyentuh 3 (tiga) environmental in a consistent and sustainable manner. aspek, yaitu ekonomi, sosial, serta lingkungan secara konsisten dan berkesinambungan. Pegadaian yang merupakan anggota Holding BUMN Pegadaian, which is a member of the Ultra Micro Ultra Mikro berkomitmen untuk memenuhi peraturan BUMN Holding, is committed to comply with yang berlaku, termasuk Undang-Undang No. 19 Tahun applicable regulations, including Law No. 19 of 2003 2003 tentang Badan Usaha Milik Negara (BUMN) yang concerning State-Owned Enterprises (BUMN) which mengatur kewajiban perusahaan untuk melakukan regulates the obligations of companies to set and use penyisihan dan penggunaan laba untuk mendorong profits to encourage community economic activities kegiatan dan pertumbuhan ekonomi kerakyatan dan and growth and create an equitable development menciptakan pemerataan pembangunan melalui through expanding employment opportunities, perluasan lapangan kerja, kesempatan berusaha business opportunities and community empowerment. dan pemberdayaan masyarakat. Untuk itu, dengan For this reason, guided by the Regulation of the berpedoman pada Peraturan Menteri BUMN Nomor Minister of BUMN No. PER-1/MBU/3/2023 concerning PER-1/MBU/3/2023 tentang Penugasan Khusus dan Special Assignment and Social and Environmental Program Tanggung Jawab Sosial dan Lingkungan Responsibility Program for State-Owned Enterprises, Badan Usaha Milik Negara, Perseroan berkomitmen the Company is committed to fulfilling these untuk memenuhi kewajiban tersebut. obligations. Aturan-aturan tersebut mengatur bahwa program These regulations stipulate that the TJSL program is TJSL dilakukan secara sistematis dan terpadu carried out systematically and in an integrated manner untuk menjamin pelaksanaan dan pencapaian to ensure successful implementation and achievement keberhasilan program TJSL sesuai dengan prioritas of the TJSL program in accordance with the priorities dan/atau pencapaian dari tujuan program TJSL yang and/or achievement of the TJSL program objectives berpedoman pada rencana kerja. Peraturan ini juga which are guided by the work plan. This regulation also menyebutkan dalam pelaksanaan TJSL dapat dilakukan states that the implementation of TJSL can be carried dalam bentuk pembiayaan Program Pendanaan Usaha out in the form of financing for the Micro and Small Mikro dan Usaha Kecil (PUMK) dan bantuan Program Business Funding Program (PUMK) and assistance Non-PUMK dengan tahapan meliputi perencanaan, for the Non-PUMK Program with stages including pelaksanaan, pengawasan dan pelaporan. planning, implementation, supervision and reporting. PT Pegadaian | 2023 Annual Report 685
Page 686
Laporan Tanggung Jawab Sosial & Lingkungan (TJSL)
Corporate Social Responsibility (CSR)
Prinsip dan Landasan Hukum TJSL Legal Principles and Foundations of
di Perusahaan TJSL in the Company
Prinsip TJSL TJSL Principles
Kementerian BUMN mendorong seluruh perusahaan The Ministry of BUMN encourages all companies to
di bawahnya untuk memberikan kontribusi positif make positive contributions to society through 3
bagi masyarakat melalui 3 (tiga) bidang prioritas, (three) priority areas, namely education, environment,
yaitu pendidikan, lingkungan, serta Pendanaan and Micro and Small Business Funding (PUMK). The
Usaha Mikro dan Usaha Kecil (PUMK). Program TJSL BUMN TJSL program is carried out systematically and
BUMN dilakukan secara sistematis dan terpadu untuk in an integrated manner to ensure implementation,
menjamin pelaksanaan, pencapaian keberhasilan, dan successful achievement and management of the
pengelolaan dampak program TJSL sesuai dengan impact of the TJSL program in accordance with
prioritas dan/atau pencapaian atas tujuan kegiatan priorities and/or achievement of activity objectives
dengan berpedoman pada rencana kerja. Program guided by the work plan. The BUMN TJSL program has
TJSL BUMN memiliki 4 (empat) pilar utama dengan 17 4 (four) main pillars with 17 (seventeen) Sustainable
(tujuh belas) poin Tujuan Pembangunan Berkelanjutan Development Goals (TPB) points:
(TPB), yaitu:
1. Sosial 1. Social
Tercapainya pemenuhan hak dasar manusia Achieving quality fulfillment of basic human
yang berkualitas secara adil dan setara untuk rights fairly and equally to improve welfare for
meningkatkan kesejahteraan bagi seluruh the community. The Social Pillar includes the
masyarakat. Pilar Sosial meliputi tujuan: objectives:
a. Mengentaskan Kemiskinan (TPB 1); a. End Poverty (SDG 1);
b. Mengakhiri Kelaparan (TPB 2); b. End Hunger (SDG 2);
c. Kehidupan Sehat dan Sejahtera (TPB 3); c. Good Health and Well-being (SDG 3);
d. Pendidikan Berkualitas (TPB 4); d. Quality Education (SDG 4);
e. Kesetaraan Gender (TPB 5). e. Gender Equality (SDG 5).
2. Lingkungan 2. Environment
Pengelolaan sumber daya alam dan lingkungan Sustainable management of natural resources
yang berkelanjutan sebagai penyangga seluruh and environment as foundation of life. The
kehidupan. Pilar Lingkungan meliputi tujuan: Environmental Pillar includes the objectives:
a. Penyediaan Air Bersih dan Sanitasi Layak (TPB 6); a. Clean Water and Sanitation (SDG 6);
b. Pembangunan Kota dan Pemukiman yang b. Development of Sustainable Cities and
Layak (TPB 11); Communities (SDG 11);
c. Proses Konsumsi dan Produksi yang c. Responsible Consumption and Production
Bertanggungjawab (TPB 12); Process (SDG 12);
d. Penanganan Perubahan Iklim (TPB 13); d. Combat Climate Change (SDG 13);
e. Menjaga Ekosistem Lautan (TPB 14); e. Maintain the Life Below Water (SDG 14);
f. Menjaga Ekosistem Daratan (TPB 15). f. Maintain the Life on Land (SDG 15).
3. Ekonomi 3. Economic
Tercapainya pertumbuhan ekonomi berkualitas Achieving quality economic growth through
melalui keberlanjutan peluang kerja dan usaha, sustainable employment and business
inovasi, industri inklusif, infrastruktur memadai, opportunities, innovation, inclusive industry,
energi bersih yang terjangkau dan didukung adequate infrastructure, affordable clean energy
kemitraan. Pilar Ekonomi meliputi tujuan: and supported by partnership. The Economic Pillar
a. Penggunaan Energi Bersih dan Terjangkau includes the objectives:
(TPB 7); a. Use Clean and Affordable Energy (SDG 7);
b. Pekerjaan Layak dan Pertumbuhan Ekonomi b. Decent Work and Economic Growth (SDG 8);
(TPB 8); c. Industry, Economy and Infrastructure (SDG 9);
c. Industri, Ekonomi dan Infrastruktur (TPB 9); d. Reduce Inequalities (SDG 10);
d. Mengurangi Kesenjangan (TPB 10); e. Partnerships for the Goals (SDG 17).
e. Melakukan Kemitraan untuk Mencapai Tujuan
(TPB 17).
686 Laporan Tahunan 2023 | PT Pegadaian
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4. Hukum dan Tata Kelola 4. Law and Governance
Terwujudnya kepastian hukum dan tata kelola yang The realization of legal certainty as well as effective,
efektif, transparan, akuntabel dan partisipatif untuk transparent, accountable and participatory
menciptakan stabilitas keamanan dan mencapai governance to create safety stability and achieve
negara berdasarkan hukum. Pilar Hukum dan Tata law state. The Law and Governance pillar includes
Kelola meliputi tujuan Perdamaian, Keadilan dan the goals of Peace, Justice and Strong Institutions
Kelembagaan yang Tangguh (TPB 16). (SDG 16).
Di samping itu, Pegadaian termasuk dalam klaster jasa In addition, Pegadaian is included in the financial
keuangan berdasarkan hasil pemetaan dari Kementerian services cluster based on mapping results from the
BUMN yang tercantum pada Surat Edaran dari Deputi Ministry of BUMN as stated in the Circular Letter
Bidang SDM, Teknologi dan Informasi No. S-348/ from the Deputy for Human Resources, Technology
MBU/DSI/11/2020 tanggal 18 November 2020 tentang and Information No. S-348/MBU/DSI/11/2020 dated
Penyusunan Program TJSL BUMN Tahun 2021. Prioritas November 18, 2020 concerning the Arrangement of the
program pencapaian TPB yang harus disinergikan oleh TJSL Program of BUMN of 2021. The priority program
Perseroan dengan Program Creating Shared Value for SDGs achievement which must be synergized by
(CSV) dan TJSL terdiri dari 5 (lima) target, yaitu: the Company with the Creating Shared Value (CSV)
and TJSL Program consists of 5 (five) targets:
1. TPB 4 Pendidikan Berkualitas; 1. SDG 4 Quality Education;
2. TPB 8 Pekerjaan Layak dan Pertumbuhan Ekonomi; 2. SDG 8 Decent Work and Economic Growth;
3. TPB 10 Mengurangi Kesenjangan; 3. SDG 10 Reduce Inequalities;
4. TPB 11 Pembangunan Kota dan Pemukiman yang 4. SDG 11 Development of Sustainable Cities and
Layak; Communities;
5. TPB 16 Perdamaian, Keadilan dan Kelembagaan 5. SDG 16 Peace, Justice and Strong Institutions.
yang Tangguh.
Landasan Hukum Legal Foundations
1. Landasan Hukum dalam menjalankan Program 1. The legal foundations for the implementation of
Kemitraan BUMN dengan Usaha Kecil dan Program BUMN Partnership Program with Small Businesses
Bina Lingkungan adalah: and the Environmental Development Program are:
2. UU No. 40/2007 tanggal 16 Agustus 2007 tentang 2. Law No. 40/2007 dated August 16, 2007
Perseroan Terbatas; concerning Limited Liability Companies;
3. UU No. 19/2003 tanggal 19 Juni 2003 tentang 3. Law No. 19/2003 dated June 19, 2003 concerning
Badan Usaha Milik Negara; State-Owned Enterprises;
4. PP No. 47/2012 tentang Tanggung Jawab Sosial 4. PP No. 47/2012 concerning Social and
dan Lingkungan (TJSL) Perseroan Terbatas; Environmental Responsibility (TJSL) of Limited
Liability Companies;
5. Surat Edaran Menteri Negara BUMN RI No. SE- 5. Circular Letter of the Minister of State for State-
02/MBU/Wk/2012 tanggal 23 Februari 2012 Owned Enterprises of the Republic of Indonesia
tentang Penetapan Pedoman Akuntansi Program No. SE-02/MBU/Wk/2012 dated February 23, 2012
Kemitraan dan Bina Lingkungan (TJSL); concerning Stipulation of Accounting Guidelines
for Partnership and Environmental Development
Programs (TJSL);
6. Peraturan Direksi Nomor 17 Tahun 2016 Tentang S 6. Regulation of the Board of Directors No. 17 of 2016
Standard Operating Procedure (SOP) Pelaksanaan concerning Standard Operating Procedures (SOP)
Program Dana Kepedulian Sosial (DKS); for Implementing the Social Care Fund (DKS)
Program;
7. Peraturan Otoritas Jasa Keuangan (POJK) 51 7. Regulation of the Financial Services Authority
Tahun 2017 mengenai penerapan keuangan (POJK) 51 of 2017 concerning the implementation
berkelanjutan bagi lembaga jasa keuangan, emiten of sustainable finance for financial service
dan perusahaan publik institutions, issuers and public companies
8. Perpres No. 59/2017 tentang Pelaksanaan 8. Presidential Decree No. 59/2017 concerning
Pencapaian Tujuan Pembangunan Berkelanjutan; Implementation of the Achievement of Sustainable
Development Goals;
PT Pegadaian | 2023 Annual Report 687
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Laporan Tanggung Jawab Sosial & Lingkungan (TJSL)
Corporate Social Responsibility (CSR)
9. Peraturan Direksi Nomor 31/DIR II/2018 tentang 9. Regulation of the Board of Directors No. 31/DIR
Standard Operating Procedure (SOP) Pelaksanaan II/2018 concerning Standard Operating Procedures
Program Kemitraan dan Bina Lingkungan (TJSL); (SOP) for Implementing the Partnership and
Environmental Development Program (TJSL);
10. Peraturan Direksi Nomor 35 /DIR-II/2018 Tentang 10. Regulation of the Board of Directors No. 35 /DIR-
Perubahan Atas Peraturan Direksi Nomor 17 Tahun II/2018 concerning Amendment to the Regulation
2016 Tentang Standard Operating Procedure of the Board of Directors No. 17 of 2016 concerning
(SOP) Dana Kepedulian Sosial; Standard Operating Procedures (SOP) for Social
Care Funds;
11. Peraturan Menteri Perencanaan Pembangunan 11. Regulation of the Minister of National Development
Nasional Nomor 7 tahun 2018 tentang Koordinasi, Planning No. 7 of 2018 concerning Coordination,
Perencanaan, Pemantauan, Evaluasi, dan Pelaporan Planning, Monitoring, Evaluation and Reporting on
Pelaksanaan Tujuan Pembangunan Berkelanjutan the Implementation of Sustainable Development
(TPB); Goals (TPB);
12. Surat Edaran Menteri Badan Usaha Milik Negara 12. Circular Letter of the Minister of State-Owned
No. SE-5/MBU/DSI/03/2020 tanggal 17 Maret Enterprises No. SE-5/MBU/DSI/03/2020 dated
2020 tentang Penanggulangan Penyebaran March 17, 2020 on the Combating the Spread of
Coronavirus Disease 2019 (COVID-19) Melalui Coronavirus Disease 2019 (COVID-19) Through
Kegiatan Tanggung Jawab Sosial dan Lingkungan; Social and Environmental Responsibility Activities;
13. Peraturan Direksi Nomor 81 Tahun 2020 tentang 13. Regulation of the Board of Directors No. 81 of 2020
Perubahan Atas Peraturan Direksi Nomor 31/DIR on the Amendment to Regulation of the Board of
II/2018 Tentang Standard Operating Procedure Directors No. 31/DIR II/2018 concerning Standard
(SOP) Pelaksanaan Program Kemitraan dan Bina Operating Procedures (SOP) for Implementing
Lingkungan (TJSL); the Partnership and Environmental Development
Program (TJSL);
14. Peraturan Direksi Nomor 104 Tahun 2021 Tentang 14. Regulation of the Board of Directors No. 104 of 2021
Struktur Organisasi Korporasi; concerning Corporate Organizational Structure;
15. Permen BUMN Negara No. PER-05/MBU/04/2021 15. Regulation of the Ministry of BUMN No. PER-
Tentang Program Tanggung Jawab Sosial dan 05/MBU/04/2021 concerning Social and
Lingkungan Badan Usaha Milik Negara; Environmental Responsibility Programs for State-
Owned Enterprises;
16. Surat Menteri Badan Usaha Milik Negara No. S-721/ 16. Letter of the Minister of State-Owned Enterprises
MBU/11/2022 Tanggal 10 November 2022 Tentang No. S-721/MBU/11/2022 dated November 10,
Kerja Sama Program Pendanaan Usaha Mikro dan 2022 on the Cooperation in Micro and Small
Usaha Kecil (“Kerjasama Program PUMK”). Business Funding Programs (“PUMK Program
Cooperation”).
17. Peraturan Menteri Badan Usaha Milik Negara 17. Regulation of the Minister of State-Owned
Republik Indonesia Nomor PER-06/MBU/09/2022 Enterprises of the Republic of Indonesia No.
Tentang Program Tanggung Jawab Sosial dan PER-06/MBU/09/2022 concerning Social and
Lingkungan Badan Usaha Milik Negara; Environmental Responsibility Programs for State-
Owned Enterprises;
18. Peraturan Presiden No. 111 Tahun 2022 Tentang 18. Presidential Regulation No. 111 of 2022 on the
Pelaksanaan Pencapaian Tujuan Pembangunan Implementation of the Achievement of Sustainable
Berkelanjutan; Development Goals;
19. Surat Menteri BUMN nomor S-683/MBU/10/2022 19. Decree of the Minister of BUMN No. S-683/
tanggal 24 oktober 2022 perihal aspirasi pemegang MBU/10/2022 dated October 24, 2022 on the
saham/pemilik modal untuk penyusunan rencana aspirations of shareholders/capital owners for
kerja dan anggaran perusahaan tahun 2023; the preparation of the company’s work plan and
budget for 2023;
20. Peraturan Menteri BUMN RI No. PER-1/MBU/3/2023 20. Regulation of the Minister of BUMN RI No. PER-
tanggal 3 Maret 2023 tentang Penugasan Khusus 1/MBU/3/2023 dated March 3, 2023 on Special
dan Program Tanggung Jawab Lingkungan dan Assignment and Environmental and Social
Sosial BUMN Responsibility Program for BUMN
21. Peraturan Direksi Nomor 43 Tahun 2023 Tentang 21. Regulation of the Board of Directors No. 43 of
SOTK Divisi TJSL; 2023 concerning SOTK for the TJSL Division;
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22. Surat Deputi Bidang SDM, Teknologi dan Informasi 22. Letter from the Deputy for Human Resources,
nomor S-125/DSI.MBU/11/2022 tanggal 15 Technology and Information No. S-125/DSI.
November 2022 perihal Key Performance Indicator MBU/11/2022 dated November 15, 2022 concerning
Program TJSL BUMN tahun 2023; dan Key Performance Indicators for the 2023 TJSL
Program of BUMN; and
23. Guidance ISO 26000 dan Metadata IndikatorSDGs 23. ISO 26000 Guidance and SDGs Indicator Metadata
Struktur Organisasi TJSL Perusahaan Organizational Structure of TJSL in
the Company
Pegadaian memberikan tanggung jawab kepada Pegadaian gives responsibility to the Social and
Divisi Tanggung Jawab Sosial dan Lingkungan dalam Environmental Responsibility Division in conducting
melaksanakan seluruh kegiatan TJSL, meliputi aspek all TJSL activities, including economic, environmental
ekonomi, lingkungan, dan sosial. Divisi TJSL selaku and social aspects. The TJSL Division as management
pengelola program TJSL melaksanakan tugasnya of the TJSL program carries its duties and responsible
dan bertanggung jawab kepada Direksi melalui to the Board of Directors through the Director of
Direktur Jaringan, Operasi dan Penjualan. Sementara, Network, Operations and Sales. Meanwhile, TJSL
pengelolaan TJSL di kantor pusat dilaksanakan oleh management at the head office is carried out by the
Divisi Kemitraan dan Bina Lingkungan, sedangkan di Partnership and Community Development Division,
Kantor Wilayah dilakukan oleh Kepala Bagian TJSL. while at Regional Offices it is conducted by the Head
of the TJSL Section.
Struktur organisasi TJSL Pegadaian berdasarkan Pegadaian’s TJSL organizational structure is based on
Peraturan Direksi No. 104 Tahun 2021 tentang Struktur the Regulation of the Board of Directors No. 104 of
Organisasi Korporat adalah sebagai berikut: 2021 concerning Corporate Organizational Structure
is as follows:
Direktur
Directors
Jaringan, Operasi & Penjualan
Network, Operations and Sales
Kepala Divisi Kepala Divisi Kepala Divisi Kepala Divisi
Division Head Division Head Division Head Division Head
Jaringan Operasional Corporate Social Responsibility Penjualan Hubungan Kelembagaan Pemimpin Wilayah
Operational Network Sales Institutional Relation Regional Leader
Deputi
Kepala Departemen Kepala Departemen Kepala Departemen Deputi Bisnis
Operasional
Program Pandanaan Program Komunikasi & Business
Operational Kepala Departemen
UMK Pengembangan Literasi Deputy
Deputy Business Support
Head of the MSE & Pelibatan Head of the
Masyarakat Head of Business
Funding Program Communication and Support Department
Department Head of Community Literacy Department
Development
and Engagement
Program Department
Kepala Bagian CSR
Head of CSR Department
PT Pegadaian | 2023 Annual Report 689
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Laporan Tanggung Jawab Sosial & Lingkungan (TJSL)
Corporate Social Responsibility (CSR)
Komitmen Pegadaian Terhadap TJSL Pegadaian’s Commitment to TJSL
Prinsip dan Pilar TJSL TJSL Principles and Pillars
1. Program TJSL dilaksanakan dengan menerapkan 1. The TJSL program is implemented by applying the
prinsip: principles:
a. Terintegrasi, berdasarkan analisa resiko dan a. a. Integrated, based on risk analysis and business
proses bisnis yang memiliki keterkaitan dengan processes that are linked to stakeholders;
pemangku kepentingan; b. b. Directional, having clear direction to achieve
b. Terarah, yaitu memiliki arah yang jelas untuk company goals;
mencapai tujuan perusahaan; c. c. Measurable impact, having contribution
c. Terukur dampaknya, yaitu memiliki kontribusi and providing benefits that produce change
dan memberikan manfaat yang menghasilkan or added value for stakeholders and the
perubahan atau nilai tambah bagi pemangku company;and
kepentingan dan perusahaan; dan d. d. Accountability, being able to be held
d. Akuntabilitas, yaitu dapat accountable so as to avoid potential abuse and
dipertanggungjawabkan sehingga irregularities
menjauhkan dari potensi penyalahgunaan dan
penyimpangan
2. Program TJSL BUMN dilaksanakan berdasarkan 2. The TJSL program of BUMN is implemented based
pilar utama: on the main pillars:
a. Sosial, untuk tercapainya pemenuhan hak a. Social, to achieve quality fulfillment of basic
dasar manusia yang berkualitas secara adil dan human rights in a fair and equal manner to
setara untuk meningkatkan kesejahteraan bagi improve welfare for the entire community;
seluruh masyarakat;
b. Lingkungan, untuk pengelolaan sumberdaya b. Environment, for sustainable management of
alam dan lingkungan yang berkelanjutan natural resources and the environment as a
sebagai penyangga seluruh kehidupan; support for all life;
c. Ekonomi, untuk tercapainya pertumbuhan c. Economy, to achieve quality economic growth
ekonomi berkualitas melalui keberlanjutan through sustainable employment and business
peluang kerja dan usaha, inovasi, industry opportunities, innovation, inclusive industry,
inklusi, infrastruktur memahami, energi bersih understanding infrastructure, affordable clean
yang terjangkau dan didukung kemitraan; dan energy and supported by partnerships; and
d. Hukum dan tata kelola, untuk terwujudnya d. Law and governance, to realize effective,
hukum dan tata kelola yang efektif, transparan, transparent, accountable and participatory law
akuntabel, dan partisipatif untuk menciptakan and governance to create security stability and
stabilitas keamanan dan mencapai negara achieve a law state.
berdasarkan hukum
e. Program TJSL dilakukan secara sistematis dan e. The TJSL program is conducted systematically
terpadu untuk menjamin pelaksanaan dan and in an integrated manner to ensure the
pencapaian keberhasilan program TJSL sesuai successful implementation and achievement
dengan prioritas dan/atau pencapaian dari of the TJSL program in accordance with the
tujuan program TJSL yang berpedoman pada priorities and/or achievement of the TJSL
rencana kerja. program objectives which are guided by the
work plan.
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Realisasi Dana dan Kegiatan TJSL Realization of TJSL Funds and
Tahun 2023 Activities in 2023
RKA Program TJSL Tahun 2023 RKA of the TJSL Program in 2023
Pegadaian menyusun dan melaksanakan program Pegadaian arranges and implements the TJSL
TJSL secara komprehensif, mulai dari perencanaan, program comprehensively, starting from planning,
pelaksanaan, pengawasan hingga evaluasi. Pada implementation, supervision to evaluation. In the
tahap awal, Perseroan membuat pemetaan initial stage, the Company made a mapping of the
mengenai dampak sosial, ekonomi, dan lingkungan social, economic and environmental impacts of the
atas kegiatan operasi dan bisnis yang dilakukan, operations and business activities, then outlined it
kemudian dituangkan dalam rencana kebutuhan nyata in a plan for the concrete needs of stakeholders by
pemangku kepentingan dengan mempertimbangkan considering the Company’s capabilities.
kemampuan Perseroan.
Dari aspek ekonomi, Perseroan bertanggung jawab From economic aspect, the Company is responsible
untuk memastikan kinerja ekonomi yang berkelanjutan, for ensuring sustainable economic performance,
bersih dari praktik korupsi, serta memiliki manfaat clean from corrupt practices, and providing benefits
bagi para pemangku kepentingan. Pada aspek for stakeholders. In the environmental aspect,
lingkungan, Perseroan senantiasa mengkaji risiko the Company always assesses risks related to the
terkait lingkungan hidup guna menentukan risiko environment to determine environmental risks arising
lingkungan yang ditimbulkan dari kegiatan operasional from operational activities and their control measures.
serta langkah pengendaliannya. Sementara pada Meanwhile, on the social aspect, the Company’s
aspek sosial, perhatian Perseroan tidak hanya pada attention is not only on internal stakeholders, but
pemangku kepentingan internal, melainkan juga external as well.
eksternal.
Untuk merealisasikan Program TJSL, Perseroan telah To realize the TJSL Program, the Company has
menyusun anggaran biaya program TJSL tahun compiled a budget for 2023 of Rp167,227,000,000,- or
2023 sebesar Rp167.227.000.000,- atau 114,72% dari 114.72% of the 2022 prognosis. Details of the RKA for
prognosa tahun 2022. Adapun rincian RKA program TJSL program of Pegadaian are as follows:
TJSL Pegadaian adalah sebagai berikut:
1. Program TJSL non PUMK yang dijalankan di 1. Non-PUMK TJSL program implemented in the
unit Pelibatan dan Pengembangan Masyarakat/ Community Involvement and Development
Community Involvement and Development (CID) unit amounting to Rp126,227,000,000,-
(CID) sebesar Rp126.227.000.000,- yang which comes from the budget calculated as PT
bersumber dari anggaran yang diperhitungkan Pegadaian’s costs in the company’s 2023 RKA
sebagai biaya PT Pegadaian pada laporan report of Rp31,280,000 ,000,- or 131.70% of the
RKA perusahaan tahun 2023 sebesar 2022 prognosis and taken from the Social Care
Rp31.280.000.000,- atau 131,70% dari Fund (DKS) budget of Rp94,947,000,000,-
prognosa 2022 dan diambil dari anggaran
Dana Kepedulian Sosial (DKS) sebesar Rp
94.947.000.000,-
2. Program TJSL non PUMK yang dijalankan 2. Non-PUMK TJSL program implemented outside
di luar unit CID Bersumber dari anggaran the CID unit. Sourced from the budget calculated
yang diperhitungkan sebagai biaya pada as costs in the company’s 2023 RKA report
laporan RKA perusahaan tahun 2023 sebesar amounting to Rp21,000,000,000,- or 91.51% of the
Rp21.000.000.000,- atau 91,51% dari prognosa 2022 prognosis.
2022.
3. Program TJSL Pendanaan UMK yang bersumber 3. MSEs funding on TJSL Program sourced from
dari dana bergulir Program Pendanaan UMK the 2023 MSEs Funding Program revolving funds
tahun 2023 yang akan disalurkan melalui which will be distributed in collaboration with PT
kerja sama dengan PT Bank Rakyat Indonesia Bank Rakyat Indonesia (Persero) Tbk amounting
(Persero) Tbk sebesar Rp20.000.000.000,- to Rp20,000,000,000,- or 33.33% of the 2022
atau 33,33% dari prognosa 2022. prognosis.
PT Pegadaian | 2023 Annual Report 691
Page 692
Laporan Tanggung Jawab Sosial & Lingkungan (TJSL)
Corporate Social Responsibility (CSR)
RKA Program TJSL Pegadaian 2023
RKA of the Pegadaian’s TJSL Program in 2023
Berdasarkan Sumber Dana
Based on Source of Funds
RKAP 2023
Program
(Rp)
Penyaluran Program TJSL Non-PUMK (CID) 126.227.000.000
Distribution of the Non-PUMK TJSL Program (CID)
Penyaluran Program TJSL Non-PUMK (Non-CID) 21.000.000.000
Distribution of the Non-PUMK TJSL Program (Non-CID)
Penyaluran Program TJSL PUMK 20.000.000.000
Distribution of the PUMK TJSL Program
Jumlah RKA Program TJSL BUMN 167.227.000.000
Total RKA of the BUMN TJSL Program
Anggaran TJSL ini dibagi ke dalam 4 (empat) pilar The TJSL budget is divided into 4 (four) TPB pillars,
TPB, yaitu sosial, ekonomi, lingkungan, serta hukum namely social, economic, environmental, as well as
dan tata kelola dengan rincian sebagai berikut: legal and governance with the following details:
RKAP 2023
Program
(Rp)
Pilar Sosial
Social Pillar
TPB 1 7.000.000.000
TPB 2 24.800.000.000
TPB 3 6.000.000.000
TPB 4 35.000.000.000
TPB 5 -
Sub Jumlah 72.800.000.000
Sub Total
Pilar Ekonomi
Economic Pillar
TPB 7 500.000.000
TPB 8 46.427.000.000
TPB 9 -
TPB 10 2.000.000.000
TPB 17 -
Sub Jumlah 48.927.000.000
Sub Total
Pilar Lingkungan
Environmental Pillar
TPB 6 1.000.000.000
TPB 11 22.300.000.000
TPB 12 -
TPB 13 -
TPB 14 600.000.000
TPB 15 600.000.000
Sub Jumlah 24.500.000.000
Sub Total
Pilar Hukum dan Tata Kelola
Legal and Governance Pillar
TPB 16 21.000.000.000
Sub Jumlah 21.000.000.000
Sub Total
Jumlah RKA Program TJSL BUMN 167.227.000.000
Total RKA of the BUMN TJSL Program
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Realisasi Program dan Kegiatan TJSL Realization of TJSL Programs and
Tahun 2023 Activities in 2023
Throughout 2023, Pegadaian has implemented the
Sepanjang tahun 2023, Pegadaian telah melaksanakan TJSL program in the PUMK and Non-PUMK sectors.
program TJSL di bidang PUMK maupun Non-PUMK. In implementing the TJSL CID program, Pegadaian
Pada pelaksanaan program TJSL CID, Pegadaian realized funds amounting to Rp215,845,696,021
merealisasikan dana sebesar Rp 215.845.696.021 atau or 129.07% of the RKA. In the Non-CID TJSL
129.07% dari RKA. Di program TJSL Non-CID, Perseroan program, the Company realized funds amounting to
merealisasikan dana sebesar Rp 21.010.000.000 atau Rp21,010,000,000 or 12.56% of the RKA. Meanwhile,
12.56% dari RKA. Sementara, Perseroan merealisasikan the Company realized the CID PUMK of TJSL funds
dana TJSL CID PUMK sebesar Rp 20.000.000.000 amounting to Rp20,000,000,000 or 11.96% of the
atau 11.96% dari RKA. RKA.
Rincian penyaluran program TJSL Pegadaian Details of distribution of the Pegadaian TJSL program
berdasarkan TPB pada tahun 2023 dapat dilihat based on the TPB in 2023 can be seen as follows:
sebagai berikut:
Realisasi 2023 Capaian
Program RKA 2023
2023 Realization Achievement
(Rp)
(Rp) (%)
Pilar Sosial
Social Pillars
TPB 1 7.000.000.000 11.151.097.993 159,30%
TPB 2 24.800.000.000 38.034.954.653 153,37%
TPB 3 6.000.000.000 11.892.853.480 198,21%
TPB 4 35.000.000.000 44.738.347.426 127,82%
TPB 5 - - -
Sub Jumlah 72.800.000.000 105.817.253.552 145,35%
Sub Total
Pilar Ekonomi
TPB 7 500.000.000 510.580.100 102,12%
TPB 8 46.427.000.000 72.081.249.867 155.26%
TPB 9 - - -
TPB 10 2.000.000.000 4.162.741.213 208,14%
TPB 17 - - -
Sub Jumlah 48.927.000.000 76.754.571.180 156.88%
Sub Total
Pilar Lingkungan
Enviromental Pillars
TPB 6 1.000.000.000 2.194.687.744 219,47%
TPB 11 22.300.000.000 29.567.089.912 132,59%
TPB 12 - - -
TPB 13 - - -
TPB 14 600.000.000 671.823.760 111,97%
TPB 15 600.000.000 840.269.873 140,04%
Sub Jumlah 24.500.000.000 33.273.871.289 135,81%
Sub Total
Pilar Hukum dan Tata Kelola
Law and Governance Pillars
TPB 16 21.000.000.000 21.010.000.000 100,05%
Sub Jumlah 21.000.000.000 21.010.000.000 100,05%
Sub Total
Jumlah RKA Program TJSL BUMN 167.227.000.000 236.855.696.021 141,64%
Total of RKA Program TJSL BUMN
PT Pegadaian | 2023 Annual Report 693
Page 694
Laporan Tanggung Jawab Sosial & Lingkungan (TJSL)
Corporate Social Responsibility (CSR)
Pelaksanaan Program Unggulan Implementation of the Priority
Programs
Selaku warga korporasi, Pegadaian turut bertanggung As a corporate citizen, Pegadaian is also responsible
jawab atas pertumbuhan kinerja usaha dan penerapan for the growth of business performance and
Governansi Perusahaan dengan menyelaraskan implementation of Corporate Governance by
tanggung jawab sosial masyarakat melalui program aligning community social responsibilities through
prioritas berdasarkan pilar sosial, lingkungan, ekonomi, priority programs based on social, environmental,
serta hukum dan tata kelola. Pelaksanaan program economic, as well as law and governance pillars. The
unggulan Perseroan dapat dilihat sebagai berikut: implementation of the Company’s priority programs
can be seen as follows:
Realisasi 2023
Kegiatan Realization in 2023
Program TPB
Activity
(Rp)
Pilar Pendidikan
Education Pillar
Pegadaian Peduli Pendidikan Bantuan Sarana, Prasarana dan beasiswa 4 19,279,917,203
Pegadaian Care for Education Pendidikan
Assistance for educational facilities,
infrastructure and scholarships
Kolaborasi Bantuan Pendidikan Kolaborasi bersama Yayasan BUMN 4 3,128,000,000
Collaborative Educational Assistance Collaboration with the BUMN Foundation
Pegadaian Mengajar Bahaya narkoba, korupsi, pengelolaan keuangan, 4 9,812,488,426
Pegadaian Teach investasi, IMFS
Dangers of drugs, corruption, financial
management, investment, IMFS
The Gade Creative Lounge (TGCL) Coworking space untuk peningkatan pendidikan 4 11,465,144,008
Coworking space for educational improvement
Sociopreneurship Pelaksanaan Lomba Sociopreneurship 4 1,014,595,505
Implementation of Sociopreneurship
Competition
Sub Jumlah 44,700,145,142
Sub Total
Pilar Lingkungan
Environmental Pillar
Pegadaian Peduli Rumah Ibadah Pembuatan Rumah Ibadah 11 11,018,478,823
Pegadaian Care for House of Worship Building a House of Worship
Habitat Day Ekosistem Laut Bantuan untuk melestarikan ekosistem laut 14 671,823,760
Habitat Day Marine Ecosystem Assistance to conserve marine ecosystem
Habitat Day Ekosistem Darat Bantuan untuk melestarikan ekosistem darat 15 840,269,873
Habitat Day Land Ecosystem Assistance to conserve land ecosystem
Mengemaskan Sampah Untuk Lomba Memilah Sampah Menabung Emas 11 2,418,753,730
Indonesia (MSME)
Packing Waste for Indonesia Gold Saving Waste Sorting Contest (MSMEs)
Sub Jumlah 14,949,326,186
Sub Total
Pilar UMKM
MSMEs Pillar
Pembinaan UMK Bantuan sertifikasi kepada para UMKM untuk 8 1,198,144,614
MSEs Coaching meningkatkan added value produk
Certification assistance to MSMEs to increase
product added value
Desa Binaan Pemberdayaan ekonomi desa melaksanakan 8 4,565,358,153
Fostered Villages kegiatan yang bisa meningkatkan perekonomian
desa seperti pelatihan
Village economic empowerment carries out
activities that can improve the village economy,
such as training
Pelatihan Peningkatan Kapasitas Peningkatan kompetensi, pendampingan dan 10 3,865,086,000
UMKM pemberdayaan masyarakat desa
MSMEs Capacity Building Training Increasing competency, mentoring and
empowering village communities
Sub Jumlah 9,628,588,767
Sub Total
Jumlah
Total 69,278,060,095
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Di tahun 2023, Perseroan telah merealisasikan In 2023, the Company has realized the distribution of
penyaluran dana program TJSL sebesar Rp TJSL program funds amounting to Rp236,855,696,021
236.855.696.021 atau 141.64% dari RKA TJSL or 141.64% of Pegadaian’s TJSL RKA, which includes
Pegadaian yang didalamnya terdapat penyaluran priority program distribution of Rp69,278,060,095 or
program unggulan sebesar Rp 69.278.060.095 atau 123.58% of the RKA distribution of priority programs.
123.58% dari RKA penyaluran program unggulan.
Pelaksanaan Program Creating Shared Implementation of the Creating
Value Shared Value Program
Di tahun 2023, Perseroan melaksanakan 2 (dua) program In 2023, the Company has implemented 2 (two)
TJSL sebagai bukti komitmen dalam mendukung bisnis TJSL programs as realization of its commitment to
inti dan menciptakan Creating Shared Value (CSV) supporting core business and Creating Shared Value
bagi Pegadaian. Perbandingan antara target dengan (CSV). Comparison between targets and budget
realisasi anggaran serta dampak kegiatan TJSL terkait realization and the impact of TJSL activities related to
program CSV dapat dilihat sebagai berikut: the CSV program can be seen as follows:
Realisasi 2023 Capaian
RKA 2023
Program Realization in 2023 Achievement
(Rp)
(Rp) (%)
Mengemaskan sampah untuk Indonesia 2.000.000.000 2.418.753.730 120,94%
Packing waste for Indonesia
Desa Binaan Pegadaian 4.500.000.000 4.565.358.153 101,45%
Fostered Villages of Pegadaian
Jumlah 6.500.000.000 6.984.111.883 107,45%
Total
Pelaksanaan Program TJSL yang Implementation of the TJSL Program
Diukur Menggunakan SROI as Measured Using SROI
Hingga akhir tahun 2023, terdapat 3 (tiga) program Until the end of 2023, there were 3 (three) Pegadaian
TJSL Pegadaian yang diukur menggunakan metode TJSL programs that are measured using the Social
Social Return on Investment (SROI). Rincian Return on Investment (SROI) method. Details of
perbandingan antara target dengan realisasi serta comparison between targets and realization and their
dampaknya dapat dilihat sebagai berikut: impacts can be seen as follows:
Realisasi 2023 Capaian
RKA 2023
Program Realization in 2023 Achievement
(Rp)
(Rp) (%)
Desa Binaan Pegadaian Panggungharjo 1.000.000.000 1.025.388.250 102,54%
Pegadaian’s Fostered Village of Panggungharjo
Mengemaskan sampah untuk Indonesia 2.000.000.000 2.418.753.730 120,94%
Packing waste for Indonesia
Desa Binaan Pegadaian Ngargogondo 1.000.000.000 2.318.826.153 231,88%
Pegadaian’s Fostered Village of Ngargogondo
Jumlah 4.000.000.000 5.762.968.133 144,07%
Total
Pelaksanaan Program Pendanaan Implementation of the Micro and Small
Usaha Mikro dan Kecil (PUMK) Business Funding Program (PUMK)
Pegadaian selaku anggota Holding BUMN Ultra Pegadaian as member of the Ultra Micro BUMN
Mikro senantiasa berkomitmen untuk berkontribusi Holding is always committed to contributing to
dalam mendukung pembangunan berkelanjutan yang support sustainable development which may provide
dapat memberikan nilai tambah bagi masyarakat added value to society through the micro and small
melalui program pendanaan usaha mikro dan kecil business funding program (PUMK). This program is a
(PUMK). Program ini merupakan bentuk kegiatan TJSL form of TJSL activity that aims to improve the quality
yang mengarah kepada peningkatan kualitas hidup of life of the surrounding community through fostering
masyarakat sekitar melalui pembinaan UMK yang MSEs formed by the community.
dibentuk masyarakat.
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Laporan Tanggung Jawab Sosial & Lingkungan (TJSL)
Corporate Social Responsibility (CSR)
Program PUMK bertujuan untuk meningkatkan The PUMK program aims to improve the ability of
kemampuan UMK agar dapat menjadi tangguh dan MSEs to become resilient and independent, and is
mandiri, serta diharapkan dapat: expected to be able to:
1. Memperluas kesempatan UMK dalam mengakses 1. Expanding opportunities for MSEs to access credit
penyediaan kredit atau permodalan usaha; or business capital;
2. Mendukung pengembangan UMK di Indonesia; dan 2. Supporting the development of MSEs in Indonesia;
3. Memperkuat struktur keuangan UMK untuk and
memaksimalkan kontribusi UMK dalam 3. Strengthen the financial structure of MSEs to
pertumbuhan ekonomi Indonesia. maximize the contribution of MSEs to Indonesia’s
economic growth.
Program PUMK juga memiliki sejumlah sasaran yang The PUMK program also has a number of targets to
hendak dicapai, seperti meningkatkan kemampuan be achieved, such as improving entrepreneurial and
kewirausahaan dan manajerial, memberikan pinjaman managerial abilities, providing capital loans, increasing
permodalan, meningkatkan kemampuan produksi, production capabilities, marketing, and many others.
pemasaran, dan lain-lain. Sasaran tersebut ditetapkan This target is set to make the MSEs that are being
untuk mewujudkan UMK yang dibina menjadi usaha fostered into growing businesses and are expected
yang berkembang dan diharapkan dapat bekerja sama to be able to collaborate with Pegadaian and other
dengan Pegadaian dan anggota Holding UMi lainnya. members of the UMi Holding.
Realisasi Dana Program PUMK Realization of Funds for PUMK Program
Di tahun 2023, Pegadaian menyalurkan dana PUMK In 2023, Pegadaian has distributed PUMK funds using
menggunakan dana bergulir yang tersedia serta available revolving funds and in collaboration with
bekerja sama dengan BRI selaku Holding Ultra Mikro. BRI as Ultra Micro Holding. The distribution of PUMK
Penyaluran dana PUMK pada tahun 2023 diproyeksikan funds in 2023 projected of Rp20 billion. Distribution
sebesar Rp20 miliar. Penyaluran melalui kolaborasi ini through this collaboration is carried out based on the
dilakukan berdasarkan prinsip governansi perusahaan principles of corporate governance and applicable
dan ketentuan perundang-undangan yang berlaku. statutory provisions.
Realisasi Pembinaan UMK Realization of MSEs Development
Pegadaian melakukan kegiatan pembinaan UMK Pegadaian conduct MSEs development activities
dengan menggunakan sumber dana Non-PUMK using non-PUMK funding sources amounting to
sebesar Rp21.077.556.873 dari anggaran kegiatan Rp21,077,556,873 from the 2023 activity budget of
tahun 2023 yang sebesar Rp14.427.000.000,-. Rp14,427,000,000. The MSEs development activities
Kegiatan pembinaan UMK yang dilakukan ditujukan are aimed at the Company’s existing fostered partners,
untuk mitra binaan Perseroan yang masih eksisting, partners fostered in collaboration with BRI, as well as
mitra binaan kerja sama dengan BRI, serta UMK umum. general MSEs. The work program and realization of
Program kerja dan realisasi pembinaan kapasitas UMK MSEs capacity building can be seen as follows:
dapat dilihat sebagai berikut:
Peningkatan Kapasitas UMK
Increasing MSEs Capacity
Realisasi 2023 Capaian
RKA 2023
Program Realization in 2023 Achievement
(Rp)
(Rp) (%)
Pembinaan UMK 7.927.000.000 12.349.457.507 155,79%
MSEs Coaching
Desa Binaan 4.500.000.000 4.565.358.153 101,45%
Fostered Villages
Bangun Desa 2.000.000.000 4.162.741.213 208,14%
Building Villages
Jumlah 14.427.000.000 21.077.556.873 146,10%
Total
696 Laporan Tahunan 2023 | PT Pegadaian
Page 697
Pegadaian melakukan kegiatan pembinaan untuk Pegadaian implements coaching activities to increase
meningkatkan kapasitas UMK dengan kegiatan the capacity of MSEs with assistance activities in the
bantuan berupa sertifikasi halal, PIRT, NIB, pelatihan form of halal certification, PIRT, NIB, branding and
branding dan packaging, bantuan sarana dan packaging training, assistance with business facilities
prasarana usaha, serta bantuan pemasaran/pameran. and infrastructure, as well as marketing/exhibition
Kemudian, kegiatan desa binaan merupakan assistance. Then, the assisted village activities are
pemberdayaan ekonomi desa dengan kegiatan village economic empowerment with activities in the
berupa pelatihan peningkatan skill serta sarana dan form of skills improvement training as well as business
prasarana usaha. Sementara, kegiatan bangun desa facilities and infrastructure. Meanwhile, village
berupa peningkatan kompetensi, pendampingan, dan development activities take the form of increasing
pemberdayaan masyarakat desa. competence, mentoring and empowering village
communities.
Pengawasan dan Publikasi Program Supervision and Publication of the
TJSL TJSL Program
Sepanjang tahun 2023, Pegadaian telah melaksanakan Throughout 2023, Pegadaian has conducted
pengawasan dan publikasi atas program TJSL supervision and publication of the TJSL program
yang diselenggarakan sejalan dengan Peraturan which is carried out in line with the Regulation of
Menteri BUMN Nomor PER-6/2022 Pasal 22 tentang the Minister of BUMN No. PER-6/2022 Article 22
Pengawasan dan Pelaporan, serta Peraturan Menteri concerning Supervision and Reporting, as well as
BUMN Nomor PER-05/2021 Pasal 27 tentang Publikasi Regulation of the Minister of BUMN No. PER-05/2021
atas Pelaksanaan Program TJSL BUMN. Article 27 concerning Publication of TJSL Program
Implementation at BUMN.
Penghargaan terkait TJSL Awards for Company’s TJSL
Implementation
Tanggal Penerimaan
Nama Penghargaan Pihak yang Memberikan Penghargaan
Award Name Penghargaan Appreciator Institutions
Award Receiving Date
BUMN Corporate Communication and 10 Maret 2023 Kementerian BUMN
Sustainability Summit (BCOMMS) Award March 10, 2023 Ministry of BUMN
Gold Winner pada Program MengEMASkan
Sampah
Gold Winner in the Waste Packaging Program
CSR Outlook 2023 27 Juli 2023 PT Olahkarsa Inovasi Indonesia bekerjasama
Best Practice in Education July 27, 2023 dengan Indonesia Business Council For
Sustainable Development (IBCSD)
PT Olahkarsa Inovasi Indonesia in collaboration
with the Indonesia Business Council For
Sustainable Development (IBCSD)
Global Corporate Sustainable Award (GCSA) 16 November 2023 Alliance for Sustainable Development Goals
2023 kategori Best Practice pada program The November 16, 2023 (ASDGs) bekerjasama dengan Taiwan institute
Gade Intergated Farming (TGIF) Sustainable Energy (TAISE)
Global Corporate Sustainable Award (GCSE) Alliance for Sustainable Development Goals
2023 Best Practice category in The Gade (ASDGs) in collaboration with Taiwan Institute
Integrated Farming (TGIF) program Sustainable Energy (TAISE) q
Global Corporate Sustainable Award (GCSA) 16 November 2023 Alliance for Sustainable Development Goals
2023 kategori Best Practice pada program The November 16, 2023 (ASDGs) bekerjasama dengan Taiwan institute
Gade Clean and Gold Sustainable Energy (TAISE)
Global Corporate Sustainable Award (GCSA) Alliance for Sustainable Development Goals
2023 Best Practice category in The Gade Clean (ASDGs) in collaboration with Taiwan Institute
and Gold program Sustainable Energy (TAISE)
Penghargaan Platinum pada kategori QCC 30 November 2023 Wahana Kendali Mutu (WKM) bekerjasama
(Quality Control Circle) Aplikasi Pegadaian Peduli November 30, 2023 dengan Asosiasi Manajemen Mutu &
(MengEMASkan Sampah Untuk Indonesia) Porduktivitas Indonesia
Platinum Award in the QCC (Quality Control Quality Control Forum (WKM) in collaboration
Circle) category for Pegadaian Peduli Application with the Indonesian Quality & Productivity
(PACKAGING WASTE FOR INDONESIA) Management Association
The Best Green Program 2023 09 Maret 2023 La Tofi School of Social Responsibility
March 9, 2023
The Best Sustainability Hub 28 Oktober 2023 Best Sustainability Hub - La Tofi School of
October 28, 2023 Responsibility
PT Pegadaian | 2023 Annual Report 697
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Laporan Tanggung Jawab Sosial & Lingkungan (TJSL)
Corporate Social Responsibility (CSR)
TJSL Pemenuhan Peraturan TJSL Fulfillment of Regulation of the
Menteri BUMN RI Nomor PER-06/ Minister of BUMN of the Republic of
MBU/09/2022 sebagaimana Telah Indonesia No. PER-06/MBU/09/2022
Diubah dengan PER-1/MBU/3/2023 as Amended by PER-1/MBU/3/2023
Dalam mendukung pencapaian tujuan pembangunan In supporting the achievement of sustainable
berkelanjutan, Pegadaian telah merancang strategi development goals, Pegadaian has designed a
keberlanjutan yang komprehensif melalui penerapan comprehensive sustainability strategy through the
program TJSL yang terintegrasi, terarah, terukur implementation of TJSL program that is integrated,
dampaknya, dapat dipertanggungjawabkan, serta targeted, has measurable impact, can be accounted
menjadi bagian dari pendekatan bisnis Perseroan. for, and is part of the Company’s business approach.
Program TJSL yang dilakukan Perseroan disusun The TJSL program carried out by the Company is
dengan dasar memberikan manfaat optimal bagi structured on the basis of providing optimal benefits
seluruh pemangku kepentingan. for all stakeholders.
Penyusunan rencana kerja dan anggaran program TJSL The arrangement of the work plan and budget
Pegadaian telah mengacu pada Peraturan Menteri for Pegadaian’s TJSL program has referred to the
BUMN Nomor PER-1/MBU/3/2023 tentang Penugasan Regulation of the Minister of BUMN No. PER-1/
Khusus dan Program Tanggung Jawab Sosial dan MBU/3/2023 on the Special Assignment and Social
Lingkungan Badan Usaha Milik Negara. bahwa tujuan and Environmental Responsibility Program for
program TJSL BUMN adalah memberikan kemanfaatan State-Owned Enterprises that the aim of the BUMN
bagi pembangunan ekonomi, pembangunan sosial, TJSL program is to provide benefits for economic
pembangunan lingkungan serta pembangunan development, social development, environmental
hukum dan tata kelola bagi perusahaan, memberikan development as well as legal development and
kontribusi pada penciptaan nilai tambah bagi governance for company, contributing to the creation
perusahaan dengan prinsip yang terintegrasi, terarah of added value for company with integrated, directed
dan terukur dampaknya serta akuntabel. Selain itu and measurable impact and accountable principles.
juga untuk membina usaha mikro dan usaha kecil agar Apart from that, it is also to develop micro and
lebih tangguh dan mandiri, serta masyarakat sekitar small businesses to make them more resilient and
perusahaan. independent, as well as the community around the
company.
Kontribusi Perusahaan terhadap Tujuan Company Contribution to Sustainable
Pembangunan Berkelanjutan Development Goals
Pegadaian berkomitmen penuh untuk mendukung Pegadaian is fully committed to supporting initiatives
inisiatif pencapaian tujuan pembangunan nasional to achieve national development goals on a global
berskala global sebagaimana tertuang dalam scale as stated in the Sustainable Development Goals
Tujuan Pembangunan Berkelanjutan (TPB). Sebagai (TPB). As part of the Ultra Micro BUMN Holding,
bagian dari Holding BUMN Ultra Mikro, Pegadaian Pegadaian is committed to providing the best products
berkomitmen untuk dapat memberikan produk dan and services so that it can provide added value to the
layanan terbaik sehingga dapat memberikan nilai community in every business activity it carries. The
tambah bagi masyarakat pada setiap kegiatan usaha TJSL program of Pegadaian also always pays attention
yang dijalankan. Program TJSL yang dilakukan oleh to the 4 (four) SDGs pillars which are in line with the
Pegadaian juga senantiasa memperhatikan 4 (empat) business fields of the Company
pilar TPB yang selaras dengan bidang usaha yang
dijalankan Perseroan.
698 Laporan Tahunan 2023 | PT Pegadaian
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TJSL Pemenuhan Surat Edaran TJSL Fulfillment of Circular Letter of
Otoritas Jasa Keuangan Nomor 16/ the Financial Services Authority No.
SEOJK.04/2021 16/SEOJK.04/2021
Pegadaian menyusun laporan TJSL sesuai dengan Pegadaian arranges TJSL report in accordance
standar Kementerian BUMN yang mengacu pada with the standards of the Ministry of BUMN which
Peraturan Menteri Badan Usaha Milik Negara Republik refers to the Regulation of the Minister of State-
Nomor PER-1/MBU/3/2023 tentang Penugasan Khusus Owned Enterprises of the Republic No. PER-1/
dan Program Tanggung Jawab Sosial dan Lingkungan MBU/3/2023 on the Special Assignment and Social
Badan Usaha Milik Negara. Penyusunan laporan and Environmental Responsibility Program for State-
TJSL ini juga sebagai bentuk pemenuhan kepatuhan Owned Enterprises. The arrangement of this TJSL
terhadap Peraturan Otoritas Jasa Keuangan Nomor report is also a form of compliance with Financial
51/POJK.03/2017 tentang Penerapan Keuangan Services Authority Regulation No. 51/POJK.03/2017
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten on the Implementation of Sustainable Finance for
dan Perusahaan Publik. Financial Services Institutions, Issuers and Public
Companies.
Di samping itu, Perseroan juga menyusun dan In addition, the Company also arranged and published
menerbitkan Laporan Keberlanjutan Tahun 2023 yang the 2023 Sustainability Report which is presented
disajikan secara terpisah dari Laporan Tahunan ini. separately from this Annual Report. This Sustainability
Laporan Keberlanjutan ini merupakan laporan berkala Report is periodic report that reveals the Company’s
yang mengungkapkan Tanggung Jawab Sosial dan Social and Environmental Responsibility which is
Lingkungan Perseroan yang disusun dengan mengacu compiled with reference to the Financial Services
pada Surat Edaran Otoritas Jasa Keuangan Nomor Authority Circular Letter No. 16/SEOJK.04/2021 on
16/SEOJK.04/2021 Tentang Bentuk dan Isi Laporan the Form and Content of Issuers’ or Public Companies’
Tahunan Emiten atau Perusahaan Publik. Annual Report.
PT Pegadaian | 2023 Annual Report 699
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08 Laporan Keuangan Financial Statements
Page 701
08
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Halaman Ini Sengaja Dibiarkan Kosongkan This Page is Intentionally Left Blank
Page 703
PT Pegadaian dan ent it as anaknya/ and it s subsidiaries Laporan keuangan konsolidasian tanggal 31 Desember 2023 dan untuk tahun yang berakhir pada tanggal tersebut beserta laporan auditor independen/ Consolidated financial statements as of December 31, 2023 and for the year then ended with independent auditor’s report
Page 704
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
LAPORAN KEUANGAN KONSOLIDASIAN CONSOLIDATED FINANCIAL STATEMENTS
TANGGAL 31 DESEMBER 2023 AS OF DECEMBER 31, 2023
DAN UNTUK TAHUN YANG BERAKHIR AND FOR THE YEAR THEN ENDED
PADA TANGGAL TERSEBUT WITH INDEPENDENT AUDITOR’S REPORT
BESERTA LAPORAN AUDITOR INDEPENDEN
Daftar Isi Table of Contents
Halaman/
Page
Surat Pernyataan Direksi Director’s Statement Letter
Laporan Auditor Independen Independent Auditor’s Report
Laporan Posisi Keuangan Konsolidasian ............. 1-2 ......... Consolidated Statement of Financial Position
Laporan Laba Rugi dan Penghasilan Consolidated Statement of Profit or Loss and
Komprehensif Lain Konsolidasian .................. 3-4 ......................... Other Comprehensive Income
Laporan Perubahan Ekuitas Konsolidasian .......... 5 ........ Consolidated Statement of Changes in Equity
Laporan Arus Kas Konsolidasian ......................... 6-7 .................. Consolidated Statement of Cash Flows
Catatan atas Laporan Keuangan Konsolidasian ... 8-134 ..... Notes to the Consolidated Financial Statements
************************
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The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
LAPORAN POSISI KEUANGAN CONSOLIDATED STATEMENT
KONSOLIDASIAN OF FINANCIAL POSITION
Tanggal 31 Desember 2023 As of December 31, 2023
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/ Catatan/ 31 Desember/
December 31, 2023 Notes December 31, 2022
ASET ASSETS
Kas dan setara kas 2d,2e,4,37,38,39 Cash and cash equivalents
- pihak berelasi 180.586 249.601 related parties -
- pihak ketiga 83.045 129.149 third parties -
Pinjaman yang diberikan 67.573.563 2d,2f,5,33,38,39 59.052.916 Loans
Dikurangi: cadangan/kerugian Less: allowance for
penurunan nilai (3.117.267) 2d,2f,5,33 (3.705.064) impairment losses
Pinjaman yang diberikan - bersih 64.456.296 2d,2f,5,33,38,39 55.347.852 Loans - net
Piutang lain-lain - bersih 496.523 2d,6,38,39 837.521 Other receivables - net
Persediaan 508.781 2g,7 466.876 Inventories
Pendapatan yang masih harus
diterima 2.264.818 2d,8,38,39 2.379.068 Accrued income
Pajak dibayar di muka 45.490 2t,16a 43.812 Prepaid taxes
Beban dibayar di muka 63.827 2m,9 66.228 Prepaid expenses
Aset hak guna 414.913 2i,2k,11 302.521 Right of use assets
Penyertaan langsung 17.384 2d,2h 11.869 Direct participation
Properti investasi 181.246 2l,10 180.025 Investment properties
Aset tetap - bersih 12.127.278 2i,11 11.576.765 Fixed assets - net
Aset takberwujud - bersih 163.133 2j,12 125.327 Intangible assets - net
Aset pajak tangguhan 1.578.126 2t,16d 1.613.176 Deferred tax assets
Aset lain-lain - bersih 3.985 2d,2n,13,38 - Other assets - net
JUMLAH ASET 82.585.431 73.329.790 TOTAL ASSETS
LIABILITAS LIABILITIES
Utang kepada nasabah 242.831 2d,2o,15,38,39 179.994 Payables to customers
Utang usaha 645.359 2d,2o,14,38,39 587.745 Trade payables
Utang pajak 2t,16b Taxes payable
- Pajak penghasilan badan 309.775 174.939 Corporate income tax -
- Pajak lain-lain 137.927 115.006 Other taxes -
Liabilitas pajak tangguhan - 2t,16d 4.424 Deferred tax liabilities
Akrual 2.848.250 2d,2p,17,38 3.200.367 Accruals
Pendapatan diterima di muka 48.647 2u 54.042 Unearned revenue
Liabilitas sewa 1.860 2k 1.775 Lease liabilities
Liabilitas lain-lain 745.717 2d,2p,18,38,39 918.749 Other liabilities
Pinjaman bank 2d,2q,19,37,38,39 Bank loans
- pihak berelasi 20.587.827 15.186.612 related parties -
- pihak ketiga 14.436.961 10.083.959 third parties -
Surat berharga yang diterbitkan 8.198.004 2d,2s,20,38,39 12.291.310 Securities issued
Pinjaman dari pemerintah 26.593 2d,21,38,39 372.184 Loans from government
Liabilitas imbalan kerja 1.720.089 2r,22 1.740.198 Employee benefit liabilities
JUMLAH LIABILITAS 49.949.840 44.911.304 TOTAL LIABILITIES
Catatan atas laporan keuangan konsolidasian terlampir The accompanying notes to the consolidated financial
merupakan bagian yang tidak terpisahkan dari laporan statements form an integral part of these consolidated financial
keuangan konsolidasian secara keseluruhan. statements taken as a whole.
1
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The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
LAPORAN POSISI CONSOLIDATED STATEMENT
KEUANGAN KONSOLIDASIAN (lanjutan) OF FINANCIAL POSITION (continued)
Tanggal 31 Desember 2023 As of December 31, 2023
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/ Catatan/ 31 Desember/
December 31, 2023 Notes December 31, 2022
EKUITAS EQUITY
Ekuitas yang diatribusikan Equity attributable to
kepada pemilik entitas induk owners of the parent entity
Modal saham Share capital
Modal saham - Nilai nominal Shared capital - Nominal amount
Rp1.000.000 (nilai penuh) Rp1,000,000 (full amount)
per lembar saham at par per share
Modal dasar Authorised capital
- 1 lembar saham seri A 1 share of series A -
Dwiwarna Dwiwarna
- 24.999.999 lembar saham 24,999,999 shares of -
saham seri B series B as at
masing-masing per December 31, 2023
31 Desember 2023 dan and December 31 2022,
31 Desember 2022 respectively
Modal ditempatkan dan Issued and
disetor penuh fully paid capital
- 1 lembar saham seri A 1 share of series A -
Dwiwarna Dwiwarna
- 6.249.999 lembar 6,249,999 shares of -
saham seri B series B as at
masing-masing per December 31, 2023
31 Desember 2023 dan and December 31 2022,
31 Desember 2022 6.250.000 23a 6.250.000 respectively
Cadangan revaluasi aset 7.699.743 2i 7.782.152 Assets revaluation reserves
Pengukuran kembali Remeasurements of post -
imbalan pasca kerja (824.656) 2r (658.661) employment benefits
Saldo laba yang
telah dicadangkan 14.785.543 11.487.231 Appropriated retained earnings
Saldo laba yang belum Unappropriated retained
dicadangkan 4.721.438 3.554.555 earnings
32.632.068 28.415.277
Kepentingan non-pengendali 3.523 24 3.209 Non-controlling interests
JUMLAH EKUITAS 32.635.591 28.418.486 TOTAL EQUITY
JUMLAH LIABILITAS TOTAL LIABILITIES
DAN EKUITAS 82.585.431 73.329.790 AND EQUITY
Catatan atas laporan keuangan konsolidasian terlampir The accompanying notes to the consolidated financial
merupakan bagian yang tidak terpisahkan dari laporan statements form an integral part of these consolidated financial
keuangan konsolidasian secara keseluruhan. statements taken as a whole.
2
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The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
LAPORAN LABA RUGI DAN PENGHASILAN CONSOLIDATED STATEMENT
KOMPREHENSIF LAIN KONSOLIDASIAN OF PROFIT OR LOSS
Untuk Tahun yang Berakhir pada Tanggal AND OTHER COMPREHENSIVE INCOME
31 Desember 2023 For the Year Ended December 31, 2023
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tahun yang Berakhir pada Tanggal 31 Desember/
Year Ended December 31,
Catatan/
2023 Notes 2022
Pendapatan usaha Operating revenues
Pendapatan sewa modal Interest and
dan administrasi 15.987.067 2v,25 14.362.644 administration revenues
Pendapatan penjualan emas 7.982.336 2v,26 8.175.457 Revenue from gold sold
Pendapatan usaha lainnya 464.391 2v,27 338.486 Other operating revenues
Jumlah pendapatan usaha 24.433.794 22.876.587 Total operating revenues
Beban usaha Operating expenses
Beban harga pokok penjualan emas 7.663.203 2v,28 7.898.383 Cost of revenue from gold sold
Beban pegawai 4.632.772 2v,29 4.531.692 Employee expenses
Beban bunga dan bagi hasil 2.426.111 2v,30 1.695.144 Interest and profit-sharing expense
Beban administrasi General and administration
dan umum 3.703.513 2v,31 3.764.004 expenses
Beban pemasaran 189.547 2v,32 167.245 Marketing expenses
Cadangan kerugian penurunan nilai 132.788 33 494.814 Allowances for impairment losses
Jumlah beban usaha 18.747.934 18.551.282 Total operating expenses
Laba usaha 5.685.860 4.325.305 Operating profit
Pendapatan lain-lain - bersih 15.156 2v 3.899 Other income - net
Laba sebelum pajak penghasilan 5.701.016 4.329.204 Profit before income tax
Beban pajak penghasilan (1.324.339) 2t,16c (1.030.259 ) Income tax expenses
Laba bersih tahun berjalan 4.376.677 3.298.945 Net income for the year
Penghasilan komprehensif lain: Other comprehensive income:
Pos - pos yang tidak akan Items that will not be
direklasifikasi ke laba rugi: reclassified to profit or loss:
- Pengukuran kembali Remeasurements of -
imbalan pasca kerja (212.810) 2r,22 185.509 post employment benefits
- Keuntungan revaluasi Gains on revaluation of -
tanah dan bangunan 6.774 2i,11 186.622 land and buildings
- Efek pajak terkait 46.815 2t (55.016) Related tax effect -
Penghasilan komprehensif lain Other comprehensive Income
tahun berjalan, setelah pajak (159.221) 317.115 for the year, net of tax
Jumlah penghasilan Total comprehensive income
komprehensif tahun berjalan 4.217.456 3.616.060 for the year
Catatan atas laporan keuangan konsolidasian terlampir The accompanying notes to the consolidated financial
merupakan bagian yang tidak terpisahkan dari laporan statements form an integral part of these consolidated financial
keuangan konsolidasian secara keseluruhan. statements taken as a whole.
3
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The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
LAPORAN LABA RUGI DAN PENGHASILAN CONSOLIDATED STATEMENT
KOMPREHENSIF LAIN OF PROFIT OR LOSS
KONSOLIDASIAN (lanjutan) AND OTHER COMPREHENSIVE
Untuk Tahun yang Berakhir pada Tanggal INCOME (continued)
31 Desember 2023 For the Year Ended December 31, 2023
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tahun yang Berakhir pada Tanggal 31 Desember/
Year Ended December 31,
Catatan/
2023 Notes 2022
Laba bersih tahun berjalan yang Net profit for the year
diatribusikan kepada: attributable to:
Pemilik entitas induk 4.376.012 3.298.312 Owners of the parent
Kepentingan non-pengendali 665 633 Non-controlling interests
4.376.677 3.298.945
Jumlah penghasilan
Komprehensif yang dapat Total comprehensive income
diatribusikan kepada: attributable to:
Pemilik entitas induk 4.216.791 3.615.427 Owners of the parent
Kepentingan non-pengendali 665 633 Non-controlling interests
4.217.456 3.616.060
Laba bersih per saham dasar Basic earnings per share
yang dapat diatribusikan kepada attributable to owners
pemilik entitas induk of the parent
(dalam Rupiah penuh) (in full Rupiah amount)
Dasar/dilusian 700.160 527.730 Basic/diluted
700.160 2y,34 527.730
Catatan atas laporan keuangan konsolidasian terlampir The accompanying notes to the consolidated financial
merupakan bagian yang tidak terpisahkan dari laporan statements form an integral part of these consolidated financial
keuangan konsolidasian secara keseluruhan. statements taken as a whole.
4
Page 720
The original financial statements included herein are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
LAPORAN PERUBAHAN EKUITAS KONSOLIDASIAN CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
Untuk Tahun yang Berakhir pada Tanggal 31 Desember 2023 For the Year Ended December 31, 2023
(Disajikan dalam Jutaan Rupiah, kecuali dinyatakan lain) (Expressed in Millions of Rupiah, unless otherwise stated)
Diatribusikan kepada pemilik entitas induk/Attributable to owners of the parent
Pengukuran Diatribusikan
kembali imbalan kepada
Cadangan pasca kerja/ Saldo laba/Retained earnings kepentingan
revaluasi aset/ Remeasurement non-pengendali/
Assets of post Belum Attributable to
Catatan/ Modal saham/ revaluation employment Dicadangkan/ dicadangkan/ non-controlling Jumlah ekuitas/
Notes Share capital reserves benefits Appropriated Unappropriated Jumlah/Total interests Total equity
Saldo pada tanggal 1 Januari 2022 6.250.000 7.698.904 (803.358) 10.516.523 2.593.843 26.255.912 3.089 26.259.001 Balance as at January 1, 2022
Dividen 23c - - - - (1.456.062) (1.456.062) (513) (1.456.575) Dividend
Pembentukan cadangan umum 23b - - - 970.708 (970.708) - - - Appropriation of general reserves
Cadangan revaluasi aset - (89.170) - - 89.170 - - - Asset revaluation reserve
Laba bersih tahun berjalan - - - - 3.298.312 3.298.312 633 3.298.945 Net income for the year
Penghasilan komprehensif lain: Other comprehensive income:
- Pengukuran kembali imbalan Remeasurement of post -
pasca kerja 22 - - 185.509 - - 185.509 - 185.509 employment benefit
- Keuntungan revaluasi aset 11 - 186.622 - - - 186.622 - 186.622 Gain of revaluation asset -
- Efek pajak terkait - (14.204) (40.812) - - (55.016) - (55.016) Related tax effect -
Total penghasilan komprehensif tahun berjalan - 172.418 144.697 - 3.298.312 3.615.427 633 3.616.060 Total other comprehensive current year
Saldo pada tanggal 31 Desember 2022 6.250.000 7.782.152 (658.661) 11.487.231 3.554.555 28.415.277 3.209 28.418.486 Balance as at December 31, 2022
Dividen 23c - - - - - - (351) (351) Dividend
Pembentukan cadangan umum 23b - - - 3.298.312 (3.298.312) - - - Appropriation of general reserves
Cadangan revaluasi asset - (89.183) - - 89.183 - - - Assets revaluation reserve
Laba bersih tahun berjalan - - - - 4.376.012 4.376.012 665 4.376.677 Net income for the year
Penghasilan komprehensif lain: Other comprehensive income:
- Pengukuran kembali imbalan Remeasurement of post -
pasca kerja 22 - - (212.810) - - (212.810) - (212.810) employment benefit
- Keuntungan revaluasi aset 11 - 6.774 - - - 6.774 - 6.774 Gain of revaluation asset -
- Efek pajak terkait - - 46.815 - - 46.815 - 46.815 Related tax effect -
Total penghasilan komprehensif tahun berjalan - 6.774 (165.995) - 4.376.012 4.216.791 665 4.217.456 Total other comprehensive current year
Saldo pada tanggal 31 Desember 2023 6.250.000 7.699.743 (824.656) 14.785.543 4.721.438 32.632.068 3.523 32.635.591 Balance as at December 31, 2023
Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan konsolidasian The accompanying notes to the consolidated financial statements form an integral part of these consolidated financial statements taken as a whole.
secara keseluruhan.
5
Page 721
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
LAPORAN ARUS KAS KONSOLIDASIAN CONSOLIDATED STATEMENT
Untuk Tahun yang Berakhir pada Tanggal OF CASH FLOWS
31 Desember 2023 For the Year Ended December 31, 2023
(Disajikan dalam Jutaan Rupiah, kecuali dinyatakan (Expressed in Millions of Rupiah, unless otherwise
lain) stated)
Tahun yang Berakhir pada Tanggal 31 Desember/
Year Ended December 31,
Catatan/
2023 Notes 2022
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan kas dari pelanggan: Cash receipt from customers:
Pelunasan pinjaman yang diberikan 196.634.384 172.939.979 Loan receivables repayment
Penerimaan dana subsidi Pemulihan Receipt of subsidies from
Ekonomi Nasional Pemulihan Ekonomi Nasional
(PEN) - 53.916 (PEN)
Penerimaan pendapatan sewa Receipt of interest and
modal dan administrasi 16.101.318 14.219.672 administration income
Pendapatan usaha lainnya 768.625 686.060 Other operating revenues
Penerimaan lainnya 72.117 44.104 Other receipt
Penerimaan kas dari penjualan Cash received from
aset tetap dari disposal of fixed asset from
operasi 30.297 11 28.552 operation
Pembayaran kas untuk: Cash payment for:
Penyaluran pinjaman Loan receivables
yang diberikan (205.155.031) (179.756.935) disbursement
Pembayaran bunga (2.458.843) (1.718.187) Interest payment
Pencairan dana subsidi Subsidies distributions
Pemulihan Ekonomi from Pemulihan
Nasional (PEN) - (53.916) Ekonomi Nasional (PEN)
Pengembalian dana subsidi Subsidies refundment
Pemulihan Ekonomi from Pemulihan
Nasional (PEN) - (192) Ekonomi Nasional (PEN)
Beban pegawai (4.697.526) (4.149.164) Employee expenses
Beban usaha (3.708.259) (2.704.876) Operating expenses
Pembayaran pajak penghasilan (1.887.132) (1.288.977) Income tax payment
Arus kas bersih yang digunakan Net cash flows used in
untuk aktivitas operasi (4.300.050) (1.699.964) operating activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS INVESTASI INVESTING ACTIVITIES
Pengeluaran kas untuk: Cash payments for:
Pembelian aset takberwujud (89.136) 12 (76.703) Purchase of intangible assets
Pembelian aset tetap (1.034.093) 11 (1.461.163) Purchase of fixed assets
Arus kas bersih yang digunakan Net cash flows used in
untuk aktivitas investasi (1.123.229) (1.537.866) investing activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS PENDANAAN FINANCING ACTIVITIES
Penerimaan kas dari: Cash receipt from:
Pinjaman bank 304.081.261 41 137.385.768 Bank loans
Pinjaman pemerintah - 41 14.000 Loans from government
Surat berharga yang diterbitkan 5.268.200 41 7.020.000 Securities issued
Pengeluaran kas untuk: Cash payment for:
Pembayaran dividen - 23c (1.456.062) Dividend payment
Angsuran pinjaman bank (294.327.046) 41 (135.363.350) Bank loans installment
Pelunasan surat berharga
yang diterbitkan (9.362.000) 41 (3.967.838) Securities issued settlement
Pembayaran emisi obligasi (6.664) (1.824) Bonds issuance cost
Pelunasan pinjaman pemerintah (345.591) 41 (452.687) Government loans settlement
Arus kas bersih yang diperoleh Net cash flows provided from
dari aktvitas pendanaan 5.308.160 3.178.007 financing activities
Catatan atas laporan keuangan konsolidasian terlampir The accompanying notes to the consolidated financial
merupakan bagian yang tidak terpisahkan dari laporan statements form an integral part of these consolidated financial
keuangan konsolidasian secara keseluruhan. statements taken as a whole.
6
Page 722
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
LAPORAN ARUS KAS KONSOLIDASIAN (lanjutan) CONSOLIDATED STATEMENT
Untuk Tahun yang Berakhir pada Tanggal OF CASH FLOWS (continued)
31 Desember 2023 For the Year Ended December 31, 2023
(Disajikan dalam Jutaan Rupiah, kecuali dinyatakan (Expressed in Millions of Rupiah, unless otherwise
lain) stated)
Tahun yang Berakhir pada Tanggal 31 Desember/
Year Ended December 31,
Catatan/
2023 Notes 2022
PENURUNAN BERSIH KAS DAN NET DECREASE CASH
SETARA KAS (115.119) (59.823) AND CASH EQUIVALENTS
CASH AND CASH
KAS DAN SETARA KAS EQUIVALENTS AT
PADA AWAL TAHUN 378.750 438.573 BEGINNING OF THE YEAR
CASH AND CASH
KAS DAN SETARA KAS PADA EQUIVALENTS AT
AKHIR TAHUN 263.631 378.750 END OF THE YEAR
Kas dan setara kas pada Cash and cash equivalents at
akhir tahun terdiri dari: 2d,2e,4,38 end of the year consists of:
Kas 61.863 71.324 Cash
Setara kas 201.768 307.426 Cash equivalents
Jumlah kas dan setara kas 263.631 378.750 Total cash and cash equivalents
Transaksi yang tidak
melibatkan kas Non-cash transaction
Perolehan aset tetap 353.077 11 65.304 Acquisition of fixed asset
Catatan atas laporan keuangan konsolidasian terlampir The accompanying notes to the consolidated financial
merupakan bagian yang tidak terpisahkan dari laporan statements form an integral part of these consolidated financial
keuangan konsolidasian secara keseluruhan. statements taken as a whole.
7
Page 723
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. INFORMASI UMUM 1. GENERAL INFORMATION
PT Pegadaian didirikan pada tanggal 1 April 1901, PT Pegadaian was established on April 1, 1901,
adapun berdasarkan Peraturan Pemerintah Nomor while based on Government Regulation Number 51
51 Tahun 2011 tentang Perubahan Bentuk Badan of 2011 concerning Changes in the Form of the
Hukum Perusahaan Umum (Perum) Pegadaian Legal Entity of a Public Company (Perum)
Menjadi Perusahaan Perseroan (Persero), seluruh Pegadaian to a Limited Liability Company (Persero),
saham Pegadaian dimiliki oleh Negara Republik all shares of Pegadaian are owned by the Republic
Indonesia sebagaimana tertuang dalam Akta of Indonesia as stated in the Deed of Establishment
Pendirian Nomor 01 tanggal 1 April 2012 yang Number 01 dated April 1, 2012, drawn up before
dibuat di hadapan Notaris Nanda Fauz Iwan S.H, Notary Nanda Fauz Iwan SH, M.Kn, domiciled in
M.Kn, berkedudukan di Jakarta Selatan, yang telah South Jakarta, which has been ratified by the
disahkan oleh Menteri Hukum dan Hak Asasi Minister of Law and Human Rights of the Republic
Manusia Republik Indonesia Nomor AHU- of Indonesia Number AHU-17525.A.H.01.01 of 2012
17525.A.H.01.01 tahun 2012 tanggal 4 April 2012. dated April 4, 2012. Furthermore, With the issuance
Selanjutnya dengan diterbitkannya Peraturan of Government Regulation Number 73 of 2021
Pemerintah Nomor 73 Tahun 2021 tentang concerning the Addition of the Republic of
Penambahan Penyertaan Modal Negara Republik Indonesia's State Equity Participation into the Share
Indonesia ke dalam Modal Saham Perusahaan Capital of the Company (Persero) PT Bank Rakyat
Perseroan (Persero) PT Bank Rakyat Indonesia Indonesia Tbk, the share ownership is divided into
Tbk, maka kepemilikan saham terbagi atas Negara the Republic of Indonesia as Series A Dwiwarna
Republik Indonesia sebagai Pemegang Saham Seri Shareholder and PT Bank Rakyat Indonesia
A Dwiwarna dan PT Bank Rakyat Indonesia (Persero) Tbk as Series B Shareholder, as
(Persero) Tbk sebagai Pemegang Saham Seri B, previously stated has stated in Deed Number 15
sebagaimana telah tertuang dalam Akta Nomor 15 dated September 23, 2021, drawn up before Notary
tanggal 23 September 2021 yang dibuat di hadapan Nanda Fauz Iwan, SH, M.Kn., domiciled in Jakarta,
Notaris Nanda Fauz Iwan, S.H., M.Kn., and has been approved by the Minister of Law and
berkedudukan di Jakarta, dan telah disetujui Human Rights based on Decree
oleh Menteri Hukum dan Hak Asasi Number AHU-0053287.A.H.01.02 Year 2021 is
Manusia berdasarkan Surat Keputusan September 29, 2021.
Nomor AHU-0053287.A.H.01.02 Tahun 2021
tanggal 29 September 2021.
Berdasarkan Pasal 3 Anggaran Dasar Based on Article 3 of the Articles of Association of
PT Pegadaian sebagaimana tertuang dalam Akta PT Pegadaian as stated in Deed Number 15 dated
Nomor 15 Tanggal 23 September 2021 yang dibuat September 23, 2021, drawn up before Notary
di hadapan Notaris Nanda Fauz Iwan, S.H., M.Kn., Nanda Fauz Iwan, S.H., M.Kn., domiciled in Jakarta
berkedudukan di Jakarta, dan telah and has been approved by the Minister of Law and
disetujui oleh Menteri Hukum dan Hak Asasi Human Rights based on a Decree
Manusia berdasarkan Surat Keputusan No. AHU-0053287.A.H.01.02 Year 2021 dated
No. AHU-0053287.A.H.01.02 Tahun 2021 tanggal September 29, 2021, approved the change in the
29 September 2021, menyetujui perubahan nama name of the Company from the Limited Liability
Perseroan dari PT Pegadaian (Persero) menjadi PT Pegadaian (Persero) to PT Pegadaian.
PT Pegadaian. Pegadaian bertujuan untuk Pegadaian aims to conduct other loan disbursement
melakukan usaha penyaluran pinjaman lainnya businesses in the form of Pawnshops,
berupa Usaha Pegadaian, secara konvensional dan conventionally and based on sharia principles,
berdasarkan prinsip syariah, berbasis Teknologi based on Information Technology/Digital Platforms
Informasi/Platform Digital (untuk selanjutnya disebut (hereinafter referred to as “IT”) and
“TI”) dan non-TI, serta optimalisasi pemanfaatan non-IT, as well as optimizing the use of the
sumber daya yang dimiliki Perseroan untuk Company's resources to produce high-quality and
menghasilkan jasa bermutu tinggi dan berdaya highly competitive services to gain/pursue profits to
saing kuat untuk mendapatkan/mengejar increase the value of the Company with the
keuntungan guna meningkatkan nilai Perseroan principles of a Limited Liability Company.
dengan prinsip-prinsip Perseroan Terbatas.
8
Page 724
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
Untuk mencapai maksud dan tujuan tersebut, To achieve the purpose and objectives, the
Perusahaan menyelenggarakan usaha utama dan Company conducts its main business and other
usaha lainnya sebagai berikut: business activities as follows:
1. Penyaluran pinjaman berdasarkan hukum 1. Loan granting under pawning law including
gadai termasuk gadai efek; securities pawning;
2. Penyaluran pinjaman berdasarkan jaminan 2. Loan granting based on fiduciary guarantee;
fidusia;
3. Pelayanan jasa titipan barang berharga; 3. Safekeeping valuable good services;
4. Pelayanan jasa taksiran dan sertifikasinya 4. Assessment and certification services for
terhadap barang berharga; valuable goods;
5. Kegiatan yang memberikan pendapatan 5. Activities that provide fee-based income;
berdasarkan komisi (fee-based income);
6. Kegiatan usaha lainnya dengan persetujuan 6. Other business activities with the approval of
Otoritas Jasa Keuangan; dan the Financial Services Authority; and
7. Optimalisasi pemanfaatan sumber daya 7. To optimise the utilisation of the Company's
Perusahaan. resources.
Kantor pusat Perseroan berlokasi di Jl. Kramat Raya The Company's head office is located at Jl. Kramat
No. 162, Jakarta Pusat, 10430 dan mempunyai 12 Raya No. 162, Central Jakarta, 10430 and it has 12
kantor wilayah, 61 kantor area, 642 kantor cabang, regional offices, 61 area offices, 642 branch offices,
dan 3.450 kantor unit pelayanan cabang, yang and 3,450 branch unit offices throughout Indonesia
tersebar di seluruh wilayah Indonesia (tidak diaudit). (unaudited).
Pendirian dan informasi umum Establishment and general information
Berdasarkan Surat Penetapan Menteri Badan Based on Decision Letter from Minister
Usaha Milik Negara (“BUMN”) of State Owned Enterprise (“SOE”)
No. S-314/MBU/05/2016 tanggal 23 Mei 2016, No. S-314/MBU/05/2016 dated May 23, 2016, the
modal saham dasar Perusahaan ditetapkan sebesar Company’s authorised share capital is set at
Rp25.000.000.000.000 (nilai penuh) terdiri dari Rp25,000,000,000,000 (full amount) which consists
25.000.000 (nilai penuh) lembar saham dengan nilai of 25,000,000 (full amount) number of shares with a
nominal Rp1.000.000 (nilai penuh) per lembar. nominal value of Rp1,000,000 (full amount) per
Modal saham tersebut ditempatkan dan diambil share. The share capital is issued and subscribed
bagian oleh Negara Republik Indonesia dan by the Republic of Indonesia and PT Bank Rakyat
PT Bank Rakyat Indonesia (Persero) Tbk Indonesia (Persero) Tbk based on the Decision of
berdasarkan Keputusan Para Pemegang Saham the Shareholders of the Limited Liability Company
Perseroan Terbatas PT Pegadaian PT Pegadaian concerning Amendment to the
tentang Perubahan Anggaran Dasar Articles of Association No. SK-307/MBU/09/2021
No. SK-307/MBU/09/2021 No. B.1438- No. B.1438-DIR/CSC/09/2021, namely that the
DIR/CSC/09/2021, yaitu bahwa Pemegang Saham Shareholders of the Company consist of:
Perseroan terdiri dari:
a. Negara Republik Indonesia, Pemilik/Pemegang a. The Republic of Indonesia, Owner/holder of
Saham Seri A Dwiwarna sebanyak 1 (nilai Series A Dwiwarna Share of 1 (full amount)
penuh) lembar saham atau sejumlah shares or a total of Rp1,000,000 (full amount);
Rp1.000.000 (nilai penuh);
b. PT Bank Rakyat Indonesia (Persero) Tbk, b. PT Bank Rakyat Indonesia (Persero) Tbk,
berkedudukan di Jakarta Pusat beralamat di domiciled in Central Jakarta having its address
Jalan Jenderal Sudirman Nomor Kavling 44-46, at Jalan Jenderal Sudirman No. 44-46, City of
Kota Jakarta Pusat, Pemilik/Pemegang Saham Central Jakarta, Owner/Shareholder Series B
Seri B sebanyak 6.249.999 (nilai penuh) lembar totaling 6,249,999 (full amount) shares or
saham atau senilai Rp6.249.999.000.000 (nilai Rp6,249,999,000,000 (full amount).
penuh).
9
Page 725
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
Pendirian dan informasi umum (lanjutan) Establishment and general information
(continued)
Pada tanggal 31 Desember 2023 dan 2022, As at December 31, 2023 and 2022, the composition
komposisi Dewan Komisaris dan Direksi of the Company’s Board of Commissioners and
Perusahaan adalah sebagai berikut: Directors are as follows:
2023 2022
Dewan Komisaris Board of Commissioners
Komisaris Utama Loto Srinaita Ginting Loto Srinaita Ginting President Commissioner
Komisaris Independen Makmur Keliat Makmur Keliat Independent Commissioner
Komisaris Independen Nezar Patria Nezar Patria Independent Commissioner
Komisaris Independen Yudi Priambodo P. Yudi Priambodo P. Independent Commissioner
Komisaris Independen Muhammad Isnaini4) - Independent Commissioner
Komisaris Sudarto Sudarto Commissioner
Komisaris Umiyatun Hayati Triastuti Umiyatun Hayati Triastuti Commissioner
Komisaris Rini Widyantini Rini Widyantini Commissioner
Dewan Direksi Board of Directors
Direktur Utama Damar Latri Setiawan Damar Latri Setiawan President Director
Direktur Pemasaran dan Marketing and Product
Pengembangan Produk Elvi Rofiqotul Hidayah Elvi Rofiqotul Hidayah Development Director
Direktur Jaringan, Network, Operation, and
Operasi, dan Penjualan Eka Pebriansyah Eka Pebriansyah Sales Director
Direktur Keuangan dan Finance and Risk
Manajemen Risiko - Ferdian Timur Satyagraha Management Director
Direktur Keuangan dan Finance and Strategic
Perencanaan Strategis Ferdian Timur Satyagraha2) - Planning Director
Direktur Teknologi Information Technology
Informasi dan Digital Teguh Wahyono Teguh Wahyono and Digital Director
Direktur Human Capital, Human Capital, Legal and
Legal dan Compliance - Ridwan Arbian Syah1) Compliance Director
Direktur Human Capital E.R.A. Taufiq3) - Human Capital Director
Direktur Umum Gunawan Sulistyo Gunawan Sulistyo General Director
Direktur Manajemen Risiko, Risk Management, Legal,
Legal dan Kepatuhan Udin Salahudin3) - and Compliance Director
1) diberhentikan dengan hormat sejak tanggal 23 Juni 2023 1) dismissed with honour on June 23, 2023
2) peralihan penugasan pada tanggal 23 Juni 2023 2) transfer of assignment on June 23, 2023
3) diangkat pada tanggal 23 Juni 2023 3) appointed on June 23, 2023
4) diangkat pada tanggal 11 Oktober 2023, 4) appointed on October 11, 2023,
dalam proses fit & proper test OJK in process for OJK’s fit & proper test
Pada tanggal 31 Desember 2023 dan 2022, As at December 31, 2023 and 2022, the composition
susunan anggota Komite Audit, Komite Manajemen of the Company’s Audit Committee, Risk
Risiko, Remunerasi dan Nominasi, Dewan Management, Remuneration and Nomination
Pengawas Syariah, Sekretaris Perusahaan, dan Committee, Sharia Supervisory Board, Corporate
Satuan Pengawas Internal adalah sebagai berikut: Secretary and Internal Controller are as follows:
2023 2022
Komite Audit Audit Committee
Ketua Yudi Priambodo P. Yudi Priambodo P. Chairman
Anggota Makmur Keliat Makmur Keliat Member
Anggota - Sudarto1) Member
Anggota Alpin Napitupulu Alpin Napitupulu Member
Anggota Vicky Taufik Vicky Taufik Member
10
Page 726
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
Pendirian dan informasi umum (lanjutan) Establishment and general information
(continued)
Pada tanggal 31 Desember 2023 dan 2022, As at December 31, 2023 and 2022, the
susunan anggota Komite Audit, Komite Manajemen composition of the Company’s Audit Committee,
Risiko, Remunerasi dan Nominasi, Dewan Risk Management, Remuneration and Nomination
Pengawas Syariah, Sekretaris Perusahaan, dan Committee, Sharia Supervisory Board, Corporate
Satuan Pengawas Internal adalah sebagai berikut: Secretary and Internal Controller are as follows:
(lanjutan) (continued)
2023 2022
Komite Pemantau Risiko Risk Monitoring Committee
Ketua Makmur Keliat Makmur Keliat Chairman
Anggota Yudi Priambodo P. Yudi Priambodo P. Member
Anggota Umiyatun Hayati Triastuti Umiyatun Hayati Triastuti Member
Anggota Humbul Kristiawan Humbul Kristiawan Member
Anggota Charles Reinier Vorst Charles Reinier Vorst Member
Anggota Sudarto2) - Member
Komite Nominasi dan Nomination and
Remunerasi Remuneration Committee
Ketua Nezar Patria Nezar Patria Chairman
Anggota Loto Srinaita Ginting Loto Srinaita Ginting Member
Anggota Rini Widyantini Rini Widyantini Member
Anggota Arry Ekananta Arry Ekananta Member
Anggota Yuni Setyaningsih3) - Member
Dewan Pengawas Syariah Sharia Supervisory Board
Ketua Muhammad Cholil Nafis Muhammad Cholil Nafis Chairman
Anggota Muhammad Asrorun Muhammad Asrorun Member
Ni’am Sholeh Ni’am Sholeh
Sekretaris Perusahaan Yudi Sadono Yudi Sadono Corporate Secretary
Kepala Satuan Chairman of Internal
Pengawas Intern Hermawan Aries Andi Hermawan Aries Andi Controller
1) diberhentikan dengan hormat sejak tanggal 14 Februari 2023 1) dismissed with honour on February 14, 2023
2) diangkat pada tanggal 14 Februari 2023 2) appointed on February 14, 2023
3) diangkat pada tanggal 13 September 2023 3) appointed on September 13, 2023
Pada tanggal 31 Desember 2023 dan 2022, jumlah As at December 31, 2023 and 2022, the number of
karyawan dan alih daya (tidak diaudit) Perusahaan employees and outsourcing (unaudited) of the
dan entitas anak masing-masing adalah sebagai Company and subsidiaries are as follows:
berikut:
2023 2022
Perusahaan 13.519 12.950 The Company
Entitas anak 804 684 Subsidiaries
Alih daya 21.166 19.595 Outsourcing
Total 35.489 33.229 Total
11
Page 727
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
Pendirian dan informasi umum (lanjutan) Establishment and general information
(continued)
Perusahaan telah menerbitkan emisi obligasi dan The Company has issued bonds and sukuk which
sukuk yang dicatatkan pada Bursa Efek Indonesia are listed in the Indonesia Stock Exchange (“IDX”)
(“BEI”) dengan rincian sebagai berikut: with the following details as follows:
Tanggal Tanggal Jatuh
Mulai/ Tempo/
Jenis Start date Maturity Date Type
Obligasi Berkelanjutan III Continuous Bond Phase III
Obligasi Berkelanjutan III Tahap I Seri C 3 Oktober/ 3 Oktober/ Continuous Bonds III Phase I Series C
October 2017 October 2022
Obligasi Berkelanjutan III Tahap II Seri C 16 Maret/ 16 Maret/ Continuous Bonds III Phase II Series C
March 2018 March 2023
Obligasi Berkelanjutan IV Continuous Bond Phase IV
Obligasi Berkelanjutan IV Tahap I Seri B 13 Mei/May 2020 13 Mei/May 2023 Continuous Bonds IV Phase I Series B
Obligasi Berkelanjutan IV Tahap II Seri B 8 Juli/July 2020 8 Juli/July 2023 Continuous Bonds IV Phase II Series B
Obligasi Berkelanjutan IV Tahap II Seri C 8 Juli/July 2020 8 Juli/July 2025 Continuous Bonds IV Phase II Series C
Obligasi Berkelanjutan IV Tahap III Seri B 22 September/ 22 September/ Continuous Bonds IV Phase III Series B
September 2020 September 2023
Obligasi Berkelanjutan IV Tahap IV Seri A 6 April/April 2021 16 April/April 2022 Continuous Bonds IV Phase IV Series A
Obligasi Berkelanjutan IV Tahap IV Seri B 6 April/April 2021 6 April/April 2024 Continuous Bonds IV Phase IV Series B
Obligasi Berkelanjutan V Continuous Bond Phase V
Obligasi Berkelanjutan V Tahap I Seri A 26 April/April 2022 6 Mei/May 2023 Continuous Bonds V Phase I Series A
Obligasi Berkelanjutan V Tahap I Seri B 26 April/April 2022 26 April/April 2025 Continuous Bonds V Phase I Series B
Obligasi Berkelanjutan V Tahap II Seri A 16 Agustus/ 26 Agustus/ Continuous Bonds V Phase II Series A
August 2022 August 2023
Obligasi Berkelanjutan V Tahap II Seri B 16 Agustus/ 16 Agustus/ Continuous Bonds V Phase II Series B
August 2022 August 2025
Obligasi Berkelanjutan V Tahap III Seri A 16 Juni/ 26 Juni/ Continuous Bonds V Phase III Series A
June 2023 June 2024
Obligasi Berkelanjutan V Tahap III Seri B 16 Juni/ 16 Juni/ Continuous Bonds V Phase III Series B
June 2023 June 2026
Obligasi Berkelanjutan V Tahap IV Seri A 24 Agustus/ 4 September/ Continuous Bonds V Phase IV Series A
August 2023 September 2024
Obligasi Berkelanjutan V Tahap IV Seri B 24 Agustus/ 24 Agustus/ Continuous Bonds V Phase IV Series B
August 2023 August 2026
Sukuk Mudharabah Berkelanjutan I Continuous Sukuk Phase I
Sukuk Berkelanjutan I Tahap I Seri B 13 Mei/May 2020 13 Mei/May 2023 Continuous Sukuk I Phase I Series B
Sukuk Berkelanjutan I Tahap II Seri B 8 Juli/July 2020 8 Juli/July 2023 Continuous Sukuk I Phase II Series B
Sukuk Berkelanjutan I Tahap II Seri C 8 Juli/July 2020 8 Juli/July 2025 Continuous Sukuk I Phase II Series C
12
Page 728
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
Pendirian dan informasi umum (lanjutan) Establishment and general information
(continued)
Perusahaan telah menerbitkan emisi obligasi dan The Company has issued bonds and sukuk which
sukuk yang dicatatkan pada Bursa Efek Indonesia are listed in the Indonesia Stock Exchange (“IDX”)
(“BEI”) dengan rincian sebagai berikut: (lanjutan) with the following details as follows: (continued)
Tanggal Tanggal Jatuh
Mulai/ Tempo/
Jenis Start date Maturity Date Type
Sukuk Mudharabah Berkelanjutan I Continuous Sukuk Phase I
(lanjutan) (continued)
Sukuk Berkelanjutan I Tahap III Seri B 22 September/ 22 September/ Continuous Sukuk I Phase III Series B
September 2020 September 2023
Sukuk Berkelanjutan I Tahap IV Seri A 6 April/April 2021 16 April/April 2022 Continuous Sukuk I Phase IV Series A
Sukuk Berkelanjutan I Tahap IV Seri B 6 April/April 2021 6 April/April 2024 Continuous Sukuk I Phase IV Series B
Sukuk Mudharabah Berkelanjutan II Continuous Sukuk Phase II
Sukuk Berkelanjutan II Tahap I Seri A 26 April/April 2022 6 Mei/May 2023 Continuous Sukuk II Phase I Series A
Sukuk Berkelanjutan II Tahap I Seri B 26 April/April 2022 26 April/April 2025 Continuous Sukuk II Phase I Series B
Sukuk Berkelanjutan II Tahap II Seri A 16 Agustus/ 26 Agustus/ Continuous Sukuk II Phase II Series A
August 2022 August 2023
Sukuk Berkelanjutan II Tahap II Seri B 16 Agustus/ 16 Agustus/ Continuous Sukuk II Phase II Series B
August 2022 August 2025
Sukuk Berkelanjutan II Tahap III 16 Juni/ 26 Juni/ Continuous Sukuk II Phase III
June 2023 June 2024
Sukuk Berkelanjutan II Tahap IV 24 Agustus/ 24 Agustus/ Continuous Sukuk III Phase IV
August 2023 August 2026
Seluruh penawaran umum obligasi dan sukuk All of the Company’s bond and sukuk public offering
Perusahaan diperingkat oleh PT Pefindo dengan was rated by PT Pefindo with PT Bank Mega Tbk as
PT Bank Mega Tbk sebagai wali amanat dengan their trustee with idAAA rating. See to Note 20 for
peringkat idAAA. Lihat Catatan 20 untuk rincian details of securities issued.
surat berharga yang diterbitkan.
Berikut ini adalah entitas anak yang dikonsolidasi The following is the list of The Company’s
oleh Perusahaan karena mempunyai kepemilikan consolidated subsidiaries in which it has majority
mayoritas atau hak untuk mengendalikan operasi: ownership or the right to control the operation:
Persentase Jumlah aset (sebelum dieliminasi)/
kepemilikan/ Total assets (before elimination)
Domisili/ Jenis usaha/ Percentage of Tahun operasi/
Entitas anak/Subsidiaries Domicile Type of business ownership Year of operation 2023 2022
PT Balai Lelang Artha Gasia Jakarta Jasa lelang/ 99.995% 2000 195 196
Auction services
PT Pesonna Optima Jasa Jakarta Alih daya dan sewa/ 99.000% 2015 889.661 589.720
Outsourcing and rental
PT Pesonna Indonesia Jaya Jakarta Perhotelan, jasa konstruksi, 99.000% 2015 123.700 138.307
agen perjalanan, dan
makanan dan minuman/
Hospitality, constructions,
travel agents, and
food and beverages
PT Pegadaian Galeri Dua Empat Jakarta Bisnis emas/ 99.999% 2018 633.528 630.342
Gold business
13
Page 729
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
Entitas induk langsung Perusahaan adalah The Company’s immediate is PT Bank Rakyat
PT Bank Rakyat Indonesia (Persero) Tbk dan Indonesia (Persero) Tbk and ultimate parent is the
entitas induk utama Perusahaan adalah Pemerintah Government of the Republic of Indonesia. The
Republik Indonesia. Laporan keuangan consolidated financial statements of the Company
konsolidasian Perusahaan dan Entitas Anaknya and Its Subsidiaries (together called “Group”) were
(bersama-sama disebut “Grup”) disusun dan prepared and authorised by Directors to be issued
diotorisasi oleh Direksi untuk terbit pada tanggal at February 5, 2024.
5 Februari 2024.
Kebijakan akuntansi signifikan yang diterapkan The significant accounting policies adopted in the
dalam penyusunan laporan keuangan konsolidasian preparation of these consolidated financial
adalah seperti yang dijabarkan berikut ini: statements are set out the following:
a. Dasar penyusunan laporan keuangan a. Basis of preparation of the consolidated
konsolidasian financial statements
Pernyataan Kepatuhan Statement of Compliance
Laporan keuangan konsolidasian ini telah The consolidated financial statements have
disusun dan disajikan sesuai dengan Standar been prepared and presented in accordance
Akuntansi Keuangan di Indonesia yang with Indonesian Financial Accounting
mencakup Pernyataan dan Interpretasi yang Standards which comprise the Statements and
dikeluarkan oleh Dewan Standar Akuntansi Interpretations issued by the Board of Financial
Keuangan Ikatan Akuntan Indonesia. Accounting Standards of the Indonesian
Institute of Accountants.
Laporan keuangan konsolidasian ini juga The consolidated financial statements have
disusun dan disajikan sesuai dengan peraturan also been prepared and presented in
Badan Pengawas Pasar Modal dan lembaga accordance with Capital Market and Financial
Keuangan ("BAPEPAM-LK”, yang fungsinya Institutions Supervisory Agency (“BAPEPAM-
dialihkan kepada Otoritas Jasa Keuangan LK”, whose function has been transferred to the
(“OJK”) sejak tanggal 1 Januari 2013) Financial Services Authority (“OJK”) starting
No. VIII.G.7 yang merupakan Lampiran January 1, 2013), rule No. VIII.G.7, Appendix of
Keputusan ketua BAPEPAM-LK No. KEP- the Decide of the Chairman of the BAPEPAM-
347/BL/2012 tanggal 25 Juni 2012 tentang LK No. KEP-347/BL/2012 dated June 25, 2012
“Penyajian dan Pengungkapan Laporan regarding “Financial Statements Presentation
Keuangan Emiten atau Perusahaan Publik”. and Disclosure of the Issuer or Public
Company”.
Laporan arus kas konsolidasian ini disusun The consolidated statement of cashflows is
dengan metode langsung dengan prepared based on the direct method by
mengelompokkan arus kas dalam aktivitas classifying cash flow on the basis of operating,
operasi, investasi, dan pendanaan. Untuk investing and financing activities. For the
tujuan laporan arus kas konsolidasian, kas dan purpose of consolidated statement of cash flow,
setara kas mencakup kas, kas pada bank, dan cash and cash equivalents include cash on
deposito berjangka dengan jatuh tempo tiga hand, cash in banks and time deposits with
bulan atau kurang dari tanggal penempatan maturity of three months or less from the
yang tidak dibatasi penggunaannya dan tidak placement date which are not restricted and
digunakan sebagai jaminan atas pinjaman. placed as collateral for any borrowings.
Seluruh angka dalam laporan keuangan Figures in the consolidated financial statements
konsolidasian ini, dinyatakan dalam jutaan are expressed in million Rupiah, unless
Rupiah, kecuali dinyatakan lain. otherwise stated.
14
Page 730
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
a. Dasar penyusunan laporan keuangan a. Basis of preparation of the consolidated
konsolidasian (lanjutan) financial statements (continued)
Pernyataan Kepatuhan (lanjutan) Statement of Compliance (continued)
Pos-pos yang disertakan dalam laporan Items included in the consolidated financial
keuangan konsolidasian Grup diukur statements of the Group are measured using
menggunakan mata uang yang sesuai dengan the currency of the primary economic
lingkungan ekonomi utama di mana Grup environment in which the Group operates (the
beroperasi (“mata uang fungsional”). Mata uang “functional currency”). The functional currency
fungsional Grup adalah Rupiah. of the Group is Rupiah.
Dalam penyusunan laporan keuangan The preparation of the consolidated financial
konsolidasian dibutuhkan estimasi dan asumsi statements requires the use of estimates and
yang mempengaruhi nilai aset dan liabilitas assumptions that affects the reported amounts
dilaporkan dan pengungkapan atas aset dan of assets and liabilities and disclosure of
liabilitas kontinjensi pada tanggal laporan contingent assets and liabilities at the date of
keuangan konsolidasian dan jumlah the consolidated financial statements, and the
pendapatan dan beban selama periode reported amounts of revenues and expenses
laporan. Walaupun estimasi ini dibuat during the reporting period. Although these
berdasarkan pengetahuan terbaik Manajemen estimates are based on Management’s best
atas kejadian dan tindakan saat ini, hasil yang knowledge of current events and activities,
timbul mungkin berbeda dengan jumlah yang actual results may differ from those estimates
diestimasi semula (lihat Catatan 3). (see Note 3).
b. Perubahan pada pernyataan standar b. Changes to the statement of financial
akuntansi keuangan dan interpretasi atas accounting standards and interpretations
pernyataan standar akuntansi keuangan on the statement of financial accounting
standards
Amendemen PSAK No. 1: Penyajian Amendments to PSAK No. 1: Classification
Laporan Keuangan tentang Klasifikasi of Liabilities as Current or Non-current,
Liabilitas sebagai Jangka Pendek atau effective January 1, 2023, and earlier
Jangka Panjang efektif application is permitted.
1 Januari 2023, dan penerapan lebih awal
diizinkan.
Amandemen menentukan persyaratan The amendments specify the requirements
untuk mengklasifikasikan kewajiban for classifying liabilities as current or non-
sebagai lancar atau tidak lancar. current. The amendments clarify:
Amandemen tersebut menjelaskan:
- Apa yang dimaksud dengan hak untuk - What is meant by a right to defer
menunda penyelesaian; settlement;
- Bahwa hak untuk menunda harus ada - That a right to defer must exist at the
pada akhir periode pelaporan; end of the reporting period;
- Klasifikasi tersebut tidak terpengaruh - That classification is unaffected by the
oleh kemungkinan bahwa entitas akan likelihood that an entity will exercise its
menggunakan hak penangguhannya; deferral right; and
dan
- Bahwa hanya jika derivatif melekat - That only if an embedded derivative in
dalam liabilitas konversi itu sendiri a convertible liability is itself an equity
merupakan instrumen ekuitas, instrument would the terms of a liability
ketentuan liabilitas tidak akan not impact its classification.
memengaruhi klasifikasinya.
15
Page 731
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
b. Perubahan pada pernyataan standar b. Changes to the statement of financial
akuntansi keuangan dan interpretasi atas accounting standards and interpretations
pernyataan standar akuntansi keuangan on the statement of financial accounting
(lanjutan) standards (continued)
Amandemen PSAK No. 1: Penyajian Amendment of PSAK No. 1: Presentation
laporan keuangan - Pengungkapan of financial statement - Disclosure of
Kebijakan Akuntansi. accounting policies.
Amandemen ini memberikan panduan This amendments provide guidance to help
untuk membantu entitas menerapkan entities apply materiality judgements to
pertimbangan materialitas dalam accounting policy disclosures. The
pengungkapan kebijakan akuntansi. amendments aim to help entities provide
Amandemen tersebut bertujuan untuk accounting policy disclosures that are more
membantu entitas menyediakan useful by replacing the requirement for
pengungkapan kebijakan akuntansi yang entities to disclose their ‘significant’
lebih berguna dengan mengganti accounting policies with a requirement to
persyaratan dalam mengungkapkan disclose their ‘material’ accounting policies
kebijakan akuntansi 'signifikan' entitas and adding guidance on how entities apply
menjadi persyaratan untuk the concept of materiality in making
mengungkapkan kebijakan akuntansi decisions about accounting policy
'material' entitas dan menambahkan disclosures.
panduan tentang bagaimana entitas
menerapkan konsep materialitas dalam
membuat keputusan tentang
pengungkapan kebijakan akuntansi.
Amandemen tersebut berdampak pada The amendments have had an impact on
pengungkapan kebijakan akuntansi Grup, the Group’s disclosures of accounting
namun tidak berdampak pada pengukuran, policies, but not on the measurement,
pengakuan atau penyajian item apa pun recognition or presentation of any items in
dalam laporan keuangan Grup. the Group’s financial statements.
Amendemen PSAK No. 16: Aset Tetap - Amendment of PSAK No. 16: Fixed Assets
Hasil sebelum Penggunaan yang - Proceeds before Intended Use
Diintensikan
Amandemen ini tidak memperbolehkan The amendments prohibit entities from
entitas untuk mengurangi suatu hasil deducting from the cost of an item of fixed
penjualan item yang diproduksi saat assets, any proceeds from selling items
membawa aset tersebut ke lokasi dan produced while bringing that asset to the
kondisi yang diperlukan supaya aset dapat location and condition necessary for it to be
beroperasi sesuai dengan intensi capable of operating in the manner
manajemen dari biaya perolehan suatu intended by management. Instead, an
aset tetap. Sebaliknya, entitas mengakui entity recognizes the proceeds from selling
hasil dari penjualan item-item tersebut, dan such items, and the costs of producing
biaya untuk memproduksi item-item those items, in the profit or loss.
tersebut, dalam laba rugi.
Grup menerapkan amandemen tersebut The Group applies the amendments
secara retrospektif hanya untuk aset tetap retrospectively only to items of fixed assets
yang dibuat supaya aset siap digunakan made available for use on or after the
pada atau setelah awal periode penyajian beginning of the earliest period presented
paling awal ketika entitas pertama kali when the entity first applies the
menerapkan amandemen tersebut. amendment.
16
Page 732
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
b. Perubahan pada pernyataan standar b. Changes to the statement of financial
akuntansi keuangan dan interpretasi atas accounting standards and interpretations
pernyataan standar akuntansi keuangan on the statement of financial accounting
(lanjutan) standards (continued)
Amendemen PSAK No. 16: Aset Tetap - Amendment of PSAK No. 16: Fixed Assets
Hasil sebelum Penggunaan yang - Proceeds before Intended Use
Diintensikan (lanjutan) (continued)
Amandemen ini tidak berdampak pada These amendments had no impact on the
laporan keuangan konsolidasian Grup consolidated financial statements of the
karena tidak ada penjualan atas item-item Group as there were no sales of such items
yang dihasilkan aset tetap yang menjadi produced by fixed assets made available
tersedia untuk digunakan pada atau for use on or after the beginning of the
setelah awal periode sajian paling awal. earliest period presented.
Amandemen PSAK No. 25: Kebijakan Amendment of PSAK No. 25: Accounting
Akuntansi, Perubahan Estimasi Akuntansi, Policies, Changes in Accounting Estimates
dan Kesalahan terkait Definisi Estimasi and Errors - Definition of Accounting
Akuntansi Estimates
Amandemen PSAK No. 25 memperjelas The amendments to PSAK No. 25 clarify
perbedaan antara perubahan estimasi the distinction between changes in
akuntansi, perubahan kebijakan akuntansi accounting estimates, changes in
dan koreksi kesalahan. Amandemen juga accounting policies and the correction of
mengklarifikasi bagaimana entitas errors. They also clarify how entities use
menggunakan teknik pengukuran dan input measurement techniques and inputs to
untuk mengembangkan estimasi develop accounting estimates.
akuntansi.
Amandemen ini tidak memiliki dampak The amendments had no impact on the
terhadap laporan keuangan konsolidasian Group’s consolidated financial statements.
Grup.
Amandemen PSAK No. 46: Pajak Amendment of PSAK No. 46: Income
Penghasilan - Pajak Tangguhan Terkait Taxes - Deferred Tax related to Assets and
Aset dan Liabilitas Yang Timbul Dari Liabilities arising from a Single Transaction
Transaksi Tunggal
Amandemen PSAK No. 46 Pajak The amendments to PSAK No. 46 Income
Penghasilan mempersempit ruang lingkup Taxes narrow the scope of the initial
pengecualian pengakuan awal, sehingga recognition exception, so that it no longer
tidak lagi berlaku pada transaksi yang applies to transactions that give rise to
menimbulkan perbedaan temporer dapat equal taxable and deductible temporary
dikurangkan dalam jumlah yang sama dan differences such as leases and
perbedaan temporer kena pajak dan decommissioning liabilities.
seperti sewa dan liabilitas dekomisioning.
Amandemen ini tidak mempunyai dampak The amendments had no impact on the
terhadap laporan keuangan konsolidasian Group’s consolidated financial statements.
Grup.
17
Page 733
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
c. Prinsip konsolidasi c. Principles of consolidation
Laporan keuangan konsolidasian meliputi The consolidated financial statements include
laporan keuangan Perusahaan dan entitas the accounts of the Company and its
anak di mana Perusahaan memiliki kendali. subsidiaries which the company has control.
Perusahaan mengendalikan entitas ketika The Company controls an entity when the
Perusahaan terekspos atas atau memiliki hak Company is exposed to, or has rights to,
untuk, pengembalian yang bervariabel dari variable returns from its involvement with the
keterlibatannya dengan entitas dan memiliki entity and has the ability to affect those returns
kemampuan untuk mempengaruhi through its power of the entity.
pengembalian tersebut melalui pengendalian
atas entitas tersebut.
Transaksi, saldo, dan keuntungan antar entitas Intercompany transactions, balances and
Grup yang belum direalisasi telah dieliminasi. unrealised gains on transactions between the
Kerugian yang belum direalisasi juga Group companies are eliminated. Unrealised
dieliminasi. Kebijakan akuntansi entitas anak losses are also eliminated. Accounting policies
disesuaikan jika diperlukan untuk memastikan of subsidiaries have been adjusted where
konsistensi dengan kebijakan akuntansi yang necessary to ensure consistency with the
diadopsi Grup. policies adopted by the Group.
Kebijakan akuntansi yang diterapkan dalam The accounting policies adopted in preparing
penyusunan laporan keuangan konsolidasian the consolidated financial statements have
telah diterapkan secara konsisten oleh entitas been consistently applied by the subsidiaries,
anak, kecuali bila dinyatakan lain. unless otherwise stated.
Entitas anak dikonsolidasikan sejak tanggal The subsidiaries are consolidated from the date
pengendalian beralih secara efektif kepada on which effective control is transferred to the
Perusahaan dan tidak lagi dikonsolidasi sejak Company and is no longer consolidated from
Perusahaan tidak lagi memiliki kendali. the date when the Company is no longer able
to control.
Kepentingan non-pengendali adalah ekuitas Non-controlling interest represents the equity in
entitas anak yang tidak dapat diatribusikan a subsidiary not attributable directly or indirectly
secara langsung atau tidak langsung pada to the parent.
entitas induk.
Kepentingan non-pengendali disajikan di Non-controlling interest is reported as equity in
ekuitas dalam laporan keuangan posisi the consolidated statement of financial position,
konsolidasian, terpisah dari ekuitas pemilik separate from the owner of the company’s
Perusahaan. Kepentingan non-pengendali atas equity. Non-controlling interest in net assets is
aset bersih disajikan sebagai bagian dari presented as part of equity. Non-controlling
ekuitas. Kepentingan non-pengendali disajikan interest is reported as equity in the consolidated
di ekuitas dalam laporan keuangan posisi statement of financial position, separate from
konsolidasian, terpisah dari ekuitas pemilik the owner of the company’s equity.
Perusahaan.
d. Instrumen keuangan d. Financial instruments
Aset keuangan dan liabilitas keuangan Financial assets and financial liabilities
Aset keuangan Grup terutama terdiri dari kas The Group’s financial assets mainly consist of
dan setara kas, pinjaman yang diberikan, cash and cash equivalents, loans, accrued
pendapatan yang masih harus diterima, piutang income, other receivables, direct participation
lain-lain, penyertaan langsung dan aset lain- and other assets.
lain.
18
Page 734
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Aset keuangan dan liabilitas keuangan Financial assets and financial liabilities
(lanjutan) (continued)
Liabilitas keuangan Grup terutama terdiri dari The Company’s financial liabilities mainly
pinjaman bank, utang usaha, utang kepada consist of bank loans, trade payables, payable
nasabah, akrual, liabilitas lain-lain, surat to customers, accruals, other liabilities,
berharga yang diterbitkan, dan pinjaman dari securities issued and loans from government.
pemerintah.
Klasifikasi instrumen keuangan Classification financial instruments
Sesuai dengan PSAK No. 71, terdapat tiga In accordance with SFAS No. 71, there are
klasifikasi pengukuran aset keuangan: three measurement classifications for financial
assets:
i. Biaya perolehan diamortisasi; i. Amortised cost;
ii. Diukur pada nilai wajar melalui laba rugi ii. Fair value through profit or loss (“FVTPL”);
(“FVTPL”);
iii. Diukur pada nilai wajar melalui penghasilan iii. Fair value through other comprehensive
komprehensif lain (“FVOCI”). income (“FVOCI”).
Aset keuangan diklasifikasikan menjadi Financial assets are classified into these
kategori tersebut di atas berdasarkan model categories based on the business model within
bisnis dimana aset keuangan tersebut dimiliki which they are held and their contractual cash
dan karakteristik arus kas kontraktualnya. flow characteristics. The business model
Model bisnis merefleksikan bagaimana reflects how groups of financial assets are
kelompok aset keuangan dikelola untuk managed to achieve a particular business
mencapai tujuan bisnis tertentu. objective.
Suatu instrumen utang diukur pada FVOCI, A debt instruments measured at FVOCI only if
hanya jika memenuhi kedua kondisi berikut dan it meets both of the following conditions and is
tidak ditetapkan sebagai FVTPL: not designated as at FVTPL:
- Aset keuangan dikelola dalam model bisnis - The financial assets is held within
yang bertujuan untuk memiliki aset a business model whose objective is to
keuangan untuk tujuan mendapatkan arus hold the asset to collect contractual cash
kas kontraktual (held to collect); dan flows (held to collect); and
- Kriteria kontraktual dari aset keuangan - Its contractual terms give rise on specified
yang pada tanggal tertentu menghasilkan dates to cash flows that are solely
arus kas yang merupakan pembayaran payments of principal and interest (“SPPI”)
pokok dan bunga semata (“SPPI”) dari on the principal amount outstanding.
jumlah pokok terutang.
- Aset keuangan dikelola dalam model bisnis - The financial asset is held within
yang tujuan tercapai dengan mendapatkan a business model whose objective is
arus kas kontraktual dan menjual aset achieved by both collecting contractual
keuangan (held to collect and sell); dan cash flows and selling the financial asset
(held to collect and sell); and
- Kriteria kontraktual dari aset keuangan - Its contractual terms from financial assets
yang pada tanggal tertentu menghasilkan give rise on specified dates to cash flows
arus kas yang merupakan pembayaran that are solely payments of principal and
pokok dan bunga semata dari jumlah interest (“SPPI”) on the principal amount
pokok terutang. outstanding.
19
Page 735
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Klasifikasi instrumen keuangan (lanjutan) Classification of Financial Instruments
(continued)
Seluruh aset keuangan yang tidak All financial assets not classified as measured
diklasifikasikan sebagai diukur dengan biaya at amortised cost or FVOCI as described above
perolehan diamortisasi atau FVOCI are measured at FVTPL.
sebagaimana ketentuan di atas diukur dengan
FVTPL.
Aset dapat dijual dari portofolio hold to collect Assets may be sold out of hold to collect
ketika terdapat peningkatan risiko kredit. portfolios where there is an increase in credit
Penghentian untuk alasan lain diperbolehkan risk. Disposals for other reasons are permitted
namun jumlah penjualan tersebut harus tidak but such sales should be insignificant in value
signifikan jumlahnya atau tidak sering. or infrequent in nature.
Laba rugi yang belum direalisasi atas aset Unrealised gains or losses of financial assets
keuangan yang diklasifikasikan sebagai FVOCI held at FVOCI deferred in other comprehensive
ditangguhkan di pendapatan komprehensif lain income until the asset is derecognised.
sampai aset tersebut dihentikan.
Aset keuangan dapat ditetapkan sebagai Financial assets may be designated at FVTPL
FVTPL hanya jika ini dapat mengeliminasi atau only if doing so eliminates or reduces
mengurangi accounting mismatch. accounting mismatch.
Penilaian apakah arus kas kontraktual Assessment of whether contractual cash
hanya merupakan pembayaran pokok dan flows are solely payments of principal and
bunga semata interest
Untuk tujuan penilaian ini, 'pokok' didefinisikan For the purposes of this assessment, ‘principal’
sebagai nilai wajar dari aset keuangan pada is defined as the fair value of the financial asset
pengakuan awal. 'Bunga' didefinisikan sebagai on initial recognition. ‘Interest’ is defined as
imbalan untuk nilai waktu atas uang dan untuk consideration for the time value of money and
risiko kredit yang terkait dengan jumlah pokok for the credit risk associated with the principal
yang terutang selama periode waktu tertentu amount outstanding during a particular period
dan untuk risiko dan biaya pinjaman dasar of time and for other basic lending risks and
lainnya (misalnya risiko likuiditas dan biaya costs (i.e. liquidity risk and administrative
administrasi), serta marjin keuntungan. costs), as well as profit margin.
Dalam menilai apakah arus kas kontraktual In assessing whether the contractual cash flows
adalah SPPI, Grup mempertimbangkan are SPPI, the Group considers the contractual
ketentuan kontraktual instrumen tersebut. Hal terms of the instrument. This includes
ini termasuk menilai apakah aset keuangan assessing whether the financial asset contains
mengandung ketentuan kontraktual yang dapat a contractual term that could change the timing
mengubah waktu atau jumlah arus kas or amount of contractual cash flows such that it
kontraktual sehingga tidak memenuhi kondisi would not meet this condition. In making the
ini. Dalam melakukan penilaian, Grup assessment, the Group considers:
mempertimbangkan:
- Kejadian kontinjensi yang akan mengubah - Contingent events that would change the
jumlah dan waktu arus kas; amount and timing of cash flows;
- Fitur leverage; - Leverage features;
- Persyaratan pelunasan dipercepat dan - Prepayment and extension terms;
perpanjangan fasilitas;
20
Page 736
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Penilaian apakah arus kas kontraktual Assessment of whether contractual cash
hanya merupakan pembayaran pokok dan flows are solely payments of principal and
bunga semata (lanjutan) interest (continued)
Dalam menilai apakah arus kas kontraktual In assessing whether the contractual cash flows
adalah SPPI, Grup mempertimbangkan are SPPI, the Group considers the contractual
ketentuan kontraktual instrumen tersebut. Hal terms of the instrument. This includes
ini termasuk menilai apakah aset keuangan assessing whether the financial asset contains
mengandung ketentuan kontraktual yang dapat a contractual term that could change the timing
mengubah waktu atau jumlah arus kas or amount of contractual cash flows such that it
kontraktual sehingga tidak memenuhi kondisi would not meet this condition. In making the
ini. Dalam melakukan penilaian, Grup assessment, the Group considers: (continued)
mempertimbangkan: (lanjutan)
- Ketentuan yang membatasi klaim Grup - Terms that limit the Group’s claim to cash
atas arus kas dari aset tertentu (seperti flows from specified assets (e.g. non-
pinjaman non-recourse); dan recourse loans); and
- Fitur yang memodifikasi imbalan dari nilai - Features that modify consideration of the
waktu atas uang (seperti penetapan ulang time value of money (e.g. periodical reset
suku bunga berkala). of interest rates).
Penilaian model bisnis Business model assessment
Model bisnis mengacu pada bagaimana aset Business model refers to how financial assets
keuangan dikelola bersama untuk are managed together to generate cash flows
menghasilkan arus kas untuk Grup. Arus kas for the Group. This may be collecting
mungkin dihasilkan dengan menerima arus kas contractual cash flows, selling financial assets
kontraktual, menjual aset keuangan atau or both. Business models are determined at a
keduanya. Model bisnis ditentukan pada tingkat level of aggregation where groups of assets are
agregasi di mana kelompok aset dikelola managed together to achieve a particular
bersama untuk mencapai tujuan tertentu dan objective and do not depend on management's
tidak bergantung pada niat manajemen pada intentions for individual instruments.
instrumen individual.
Grup menilai model bisnis pada aset keuangan The Group assesses the business model of
setidaknya pada tingkat lini bisnis atau pada di financial assets at least at business line level or
mana terdapat variasi mandat/tujuan dalam lini where there are varying mandates or objectives
bisnis, pada lini bisnis produk atau pada tingkat within a business line, at a more granular
desk yang lebih granular (misalnya sub- product business line or desk level (i.e. sub-
portofolio atau sub-lini bisnis). portfolios or sub-business lines).
Penentuan model bisnis dilakukan dengan Business model determinations are made
mempertimbangkan semua bukti relevan yang considering all relevant evidence that is
tersedia pada tanggal penilaian. Ini termasuk, available at the date of the assessment. This
tetapi tidak terbatas pada: includes, but is not limited to:
- bagaimana kinerja bisnis dan aset - how the performance of the business and
keuangan yang ada di dalam unit bisnis itu the financial assets held within that
dievaluasi dan dilaporkan kepada business unit are evaluated and reported
manajemen. Tingkat pemisahan yang to management. The level of segregation
diidentifikasi untuk klasifikasi PSAK No. 71 identified for SFAS No. 71 classification
harus konsisten dengan bagaimana should be consistent with how asset
portofolio aset dipisahkan dan dilaporkan portfolios are segregated and reported to
kepada manajemen; senior management;
21
Page 737
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Penilaian model bisnis (lanjutan) Business model assessment (continued)
Penentuan model bisnis dilakukan dengan Business model determinations are made
mempertimbangkan semua bukti relevan yang considering all relevant evidence that is
tersedia pada tanggal penilaian. Ini termasuk, available at the date of the assessment. This
tetapi tidak terbatas pada: (lanjutan) includes, but is not limited to: (continued)
- risiko yang mempengaruhi kinerja unit - the risks that affect the performance of the
bisnis dan aset keuangan yang dimiliki business unit and the financial assets held
dalam unit bisnis itu dan khususnya within that business unit and in particular
bagaimana risiko itu dikelola; dan the way those risks are managed; and
- bagaimana manajer unit bisnis - how managers of the business unit are
dikompensasi (misalnya, apakah compensated (for example, whether the
kompensasi didasarkan pada nilai wajar compensation is based on the fair value of
dari aset yang dikelola atau pada arus kas the assets managed or on the contractual
kontraktual yang dikumpulkan). cash flows collected).
Penentuan model bisnis dilakukan berdasarkan Business model determinations are made on
skenario yang diperkirakan akan terjadi oleh the basis of scenarios that the Group
Grup dan tidak dalam kondisi sangat tertekan reasonably expects to occur and not under
atau 'kondisi terburuk'. Jika aset dijual dalam highly stressed or 'worst case' conditions.
kondisi yang tidak diharapkan oleh Grup untuk Where assets are disposed of under conditions
berlaku ketika aset diakui, klasifikasi aset that the Group did not reasonably expect to
keuangan yang ada dalam portofolio tidak prevail when the assets were recognised, the
disajikan secara tidak akurat, tetapi kondisi classification of existing financial assets in the
tersebut harus dipertimbangkan untuk aset portfolio are not rendered inaccurate but the
yang diperoleh di masa mendatang. conditions in question should be considered for
any assets acquired going forward.
Pemilihan model operasi dalam PSAK No. 71 The Targeting Operating Model for SFAS
dirancang sedemikian rupa sehingga akuntansi No. 71 is designed such that accounting for
untuk instrumen di FVTPL adalah pilihan yang instruments at FVTPL is a conscious choice.
tepat/conscious.
Perubahan pada model bisnis atau pengenalan Changes to business models or the introduction
model bisnis baru ditentukan melalui proses of new business models are determined
persetujuan unit bisnis baru. through the new business unit approval
process.
Grup dapat mereklasifikasi seluruh aset The Group can reclassified all of its financial
keuangan yang terpengaruh jika dan hanya jika, assets when and only, its business model for
model bisnis untuk pengelolaan aset keuangan managing those financial assets changes.
berubah.
Pengakuan Recognition
Pengakuan Grup menggunakan akuntansi The Group uses trade date accounting for
tanggal transaksi untuk kontrak reguler ketika regular contracts when recording financial
mencatat transaksi aset keuangan. assets transactions.
22
Page 738
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Penghentian pengakuan Derecognition
Penghentian pengakuan aset keuangan Financial assets are derecognised when the
dilakukan ketika hak kontraktual atas arus kas contractual rights to receive the cash flows from
yang berasal dari aset keuangan tersebut these assets have ceased to exist or the assets
berakhir atau ketika aset keuangan tersebut have been transferred and substantially all the
telah ditransfer dan secara substansial seluruh risks and rewards of ownership of the assets
risiko dan manfaat atas kepemilikan aset are also transferred (that is, if substantially all
tersebut telah ditransfer (jika secara substansial the risks and rewards have not been
seluruh risiko dan manfaat tidak ditransfer, transferred, the Group evaluates to ensure that
maka Grup melakukan evaluasi untuk continuing involvement on the basis of any
memastikan keterlibatan berkelanjutan atas retained powers of control does not prevent
kendali yang masih dimiliki tidak mencegah derecognition). Financial liabilities are
penghentian pengakuan). Liabilitas keuangan derecognised when they have been redeemed
dihentikan pengakuannya ketika liabilitas telah or cancelled or otherwise extinguished.
dilepaskan atau dibatalkan atau kadaluwarsa.
Saling hapus instrumen keuangan Off-setting financial instruments
Aset keuangan dan liabilitas keuangan saling Financial assets and liabilities are offset and the
hapus buku dan nilai bersihnya disajikan dalam net amount reported in the consolidated
laporan posisi keuangan konsolidasian jika statement of financial position when there is
memiliki hak yang berkekuatan hukum untuk a legally enforceable right to offset the
melakukan saling hapus buku atas jumlah yang recognised amount and there is an intention to
telah diakui tersebut dan berniat untuk settle on a net basis or realise the asset and
menyelesaikan secara neto atau untuk settle the liability simultaneously.
merealisasikan aset dan menyelesaikan
liabilitasnya secara bersamaan.
Hak yang berkekuatan hukum harus tidak The legally enforceable rights must not be
bersifat kontingen atas peristiwa di masa depan contingent on future events and must be
dan harus dapat dipaksakan dalam situasi enforceable in the normal course of business
bisnis yang normal dan dalam peristiwa gagal and in the event of default, insolvency or
bayar, peristiwa kepailitan atau kebangkrutan bankruptcy of the company or the counterparty.
perusahaan atau pihak lawan.
Penurunan nilai aset keuangan Impairment of financial assets
Pada setiap akhir periode pelaporan, Grup At the end of each reporting period, the Group
menilai apakah terdapat bukti objektif bahwa assesses whether there is an objective
aset keuangan atau kelompok aset keuangan evidence that a financial asset or a group of
telah mengalami penurunan nilai. financial assets is impaired.
Aset keuangan atau kelompok aset keuangan A financial asset or a group of financial assets
diturunkan nilainya dan kerugian penurunan is impaired and impairment losses are incurred
nilai terjadi jika dan hanya jika terdapat bukti if and only if there is an objective evidence of
objektif bahwa penurunan nilai merupakan impairment as a result of one or more events
akibat dari satu atau lebih peristiwa yang terjadi that occurred after the initial recognition of the
setelah pengakuan awal aset (peristiwa asset (a loss event) and that loss event (or
kerugian) dan peristiwa kerugian (atau events) has an impact on the estimated future
peristiwa) tersebut memiliki dampak pada cash flows of the financial asset or group of
estimasi arus kas masa datang atas aset financial assets that can be reliably estimated.
keuangan atau kelompok aset keuangan yang
dapat diestimasi secara andal.
23
Page 739
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Penurunan nilai aset keuangan (lanjutan) Impairment of financial assets (continued)
PSAK No. 71 mengharuskan cadangan SFAS No. 71 requires a loss allowance to be
kerugian diakui sebesar kerugian kredit recognised at an amount equal to either
ekspektasian (“ECL”) 12 bulan atau kerugian 12-months expected credit losses (“ECL”) or
kredit ekspektasian sepanjang umur aset lifetime ECLs. Lifetime ECLs are the ECLs that
keuangan (lifetime ECL). Lifetime ECL adalah result from all possible default events over the
kerugian kredit ekspektasian yang berasal dari expected life of a financial instrument, whereas
semua kemungkinan kejadian gagal bayar 12-months ECLs are the portion of ECLs that
sepanjang umur ekspektasian suatu instrumen result from default events that are possible
keuangan, sedangkan ECL 12 bulan adalah within the 12-months after reporting date.
porsi dari kerugian kredit ekspektasian yang
berasal dari kemungkinan kejadian gagal bayar
dalam 12 bulan setelah tanggal pelaporan.
ECL diakui untuk seluruh instrumen utang ECL are recognised for all financial debt
keuangan, komitmen pinjaman dan jaminan instruments, loan commitments and financial
keuangan yang diklasifikasikan sebagai hold to guarantees that are classified as hold to
collect/hold to collect and sell dan memiliki arus collect/hold to collect and sell and have cash
kas SPPI. Kerugian kredit ekspektasian tidak flows that are solely payments of principal and
diakui untuk instrumen ekuitas yang ditetapkan interest. Expected credit losses are not
sebagai FVOCI. recognised for equity instruments designated at
FVOCI.
Grup menghitung ECL dengan metode kolektif The Group's collective ECL uses a complex
yaitu dengan menggunakan model yang model that uses a matrix of probability of default
kompleks yang dengan matrix probability of (“PD”), forward looking (“FL”), loss given default
default (“PD”), forward looking (“FL”), loss given (“LGD”), exposure at default ("EAD") and
default (“LGD”), exposure at default (“EAD”) discount factor (“DF”).
dan discount factor (“DF”).
a. Probability of Default (“PD”) a. Probability of Default (“PD”)
Probabilitas yang timbul di suatu waktu The probability at a point in time that a
dimana debitur mengalami gagal bayar, counterparty will default, calibrated over up
dikalibrasikan sampai dengan periode to 12 months from the reporting date
12 bulan dari tanggal laporan (Stage 1) (Stage 1) or over the lifetime of the product
atau sepanjang umur (Stage 2 dan 3) dan (Stage 2 and 3) and incorporating the
digabungkan pada dampak asumsi impact of forward-looking economic
ekonomi masa depan yang memiliki risiko assumptions that have an effect on credit
kredit. PD diestimasikan pada point in time risk. PD is estimated at a point in time that
dimana hal ini berfluktuasi sejalan dengan means it will fluctuate in line with the
siklus ekonomi. PD diukur dengan economic cycle. PD is measured using the
pendekatan migration matrix transition Migration matrix transition model approach
model menggunakan data historis using 5-year historical data.
5 tahun.
24
Page 740
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Penurunan nilai aset keuangan (lanjutan) Impairment of financial assets (continued)
b. Forward Looking (“FL”) b. Forward Looking (“FL”)
Grup melakukan proses pembuatan model The Group performs a model-building
menggunakan PD historis dengan process using historical PD and a set of
kumpulan data faktor makro ekonomi. macro economic factors data. Linear
Pendekatan regresi linear digunakan untuk regression approach is used to form model
membentuk kandidat model. A forward- candidates. A forward-looking model is
looking model dipilih dari semua kandidat selected from all model candidates based
model berdasarkan pertimbangan on considerations regarding various
mengenai berbagai indikator statistik dan statistical indicators and model’s capability
kemampuan model untuk menghasilkan to generate an accurate forecast.
perkiraan yang akurat.
c. Loss Given Default (“LGD”) c. Loss Given Default (“LGD”)
Kerugian yang diperkirakan akan timbul The loss that is expected to arise on
dari debitur yang mengalami gagal bayar default, incorporating the impact of
dengan menggabungkan dampak dari relevant forward looking economic
asumsi ekonomi masa depan yang relevan assumptions (if any), which represents the
(jika ada) dimana hal ini mewakili difference between the contractual cash
perbedaan antara arus kas kontraktual flows due and those that the Company
yang akan jatuh tempo dengan arus kas expects to receive. The Company
yang diharapkan untuk diterima. estimates LGD based on the historical
Perusahaan mengestimasikan LGD recovery rates and considers the recovery
berdasarkan data historis dari tingkat of any collateral that is integral to the
pemulihan dan memperhitungkan financial assets, taking into account
pemulihan yang berasal dari jaminan forward looking economic assumptions if
terhadap aset keuangan dengan relevant.
mempertimbangkan asumsi ekonomi di
masa depan jika relevan.
d. Exposure at Default (“EAD”) d. Exposure at Default (“EAD”)
Perkiraan nilai eksposur neraca pada saat The expected balance sheet exposure at
gagal bayar dengan mempertimbangkan the time of default, taking into account that
bahwa perubahan ekspektasi yang expected change in exposure over the
diharapkan selama masa eksposur. Hal ini lifetime of the exposure. This incorporates
menggabungkan dampak penarikan the impact of drawdowns of committed
fasilitas yang committed pembayaran facilities, repayments of principal and
pokok dan bunga, amortisasi dan interest, amortisation and prepayments,
pembayaran dipercepat, bersama dengan together with the impact of forward looking
dampak asumsi ekonomi masa depan jika economic assumptions where relevant.
relevan.
e. Discount Factor (“DF”) e. Discount Factor (“DF”)
Variabel untuk mendapatkan nilai kini dari The variable to get the present value from
hasil perhitungan kredit ekspektasian. the calculation of expected credit. The
Suku bunga Discount Factor (“DF”) yang Discount Factor (“DF”) interest rate used is
dipakai adalah suku bunga efektif (“EIR”) the annual effective interest rate (EIR) for
tahunan individual debitur atau kelompok an individual debtor or group of debtors.
debitur.
25
Page 741
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Penurunan nilai aset keuangan (lanjutan) Impairment of financial assets (continued)
Grup mengukur ECL dengan cara: The Group measure ECL by:
- Jumlah yang tidak bias dan probabilitas - An unbiased and probability-weighted
tertimbang yang ditentukan dengan amount determined by evaluating a series
mengevaluasi serangkaian hasil yang of probable outcomes;
kemungkinan dapat terjadi;
- Nilai waktu atas uang; dan - Time value for money; and
- Informasi yang wajar dan terdukung - Fair and supported information
Kerugian kredit ekspektasian 12 bulan 12-month expected credit losses (Stage 1)
(Stage 1)
ECL diakui pada saat pengakuan awal ECL are recognised at the time of initial
instrumen keuangan dan merepresentasikan recognition of a financial instrument and
kekurangan kas sepanjang umur aset yang represent the lifetime cash shortfalls arising
timbul dari kemungkinan gagal bayar di masa from possible default events up to twelve
yang akan datang dalam kurun waktu dua belas months into the future from the reporting date.
bulan sejak tanggal pelaporan. ECL terus ECL continue to be determined on this basis
ditentukan oleh dasar ini sampai timbul until there is either a significant increase in the
peningkatan risiko kredit yang signifikan pada credit risk of an instrument or the instrument
instrumen tersebut atau instrumen tersebut becomes credit-impaired. If an instrument is no
telah mengalami penurunan nilai kredit. Jika longer considered to exhibit a significant
suatu instrumen tidak lagi dianggap increase in credit risk, ECL will revert to being
menunjukkan peningkatan risiko kredit yang determined on a 12-month basis.
signifikan, maka ECL dihitung kembali
berdasarkan basis 12 bulan.
Dalam hal restrukturisasi kredit bermasalah In troubled debt restructuring which only
dilakukan hanya dengan modifikasi persyaratan involves modification of the credit terms, the
kredit, Perusahaan mencatat dampak Company accounts for the restructuring’s effect
restrukturisasi tersebut secara prospektif dan prospectively and does not change the carrying
tidak mengubah nilai tercatat kredit yang amount of the loans at the time of restructuring,
diberikan pada tanggal restrukturisasi, kecuali unless the amount exceeds the present value
jika jumlahnya melebihi nilai kini penerimaan of the total future cash receipts specified in the
kas masa depan yang ditentukan dalam new terms. If the present value of the total
persyaratan baru. Jika nilai kini penerimaan kas future cash receipts specified in the new terms
masa depan sebagaimana yang ditentukan is lower than the carrying amount of the loans
dalam persyaratan baru dari kredit yang prior to restructuring, the Company reduces the
direstrukturisasi tersebut lebih rendah daripada loans balance to the amount equal to the
nilai tercatat kredit yang diberikan sebelum present value of the total future cash receipts.
direstrukturisasi, Perusahaan harus The amount of the reduction is recognised as
mengurangkan saldo kredit yang diberikan ke allowance for impairment losses.
suatu jumlah yang sama dengan jumlah nilai
kini penerimaan kas masa depan. Jumlah
pengurangan tersebut diakui sebagai biaya
cadangan kerugian penurunan nilai.
26
Page 742
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Peningkatan risiko kredit yang signifikan Significant increase in credit risk (Stage 2)
(Stage 2)
Jika aset keuangan mengalami peningkatan If a financial asset experiences a significant
risiko kredit yang signifikan (“SICR”) sejak increase in credit risk (“SICR”) since initial
pengakuan awal, kerugian kredit ekspektasian recognition, an expected credit loss provision is
diakui atas kejadian gagal bayar yang mungkin recognised for default events that may occur
terjadi sepanjang umur aset. Peningkatan over the lifetime of the asset. Significant
signifikan dalam risiko kredit dinilai dengan increase in credit risk is assessed by comparing
membandingkan risiko gagal bayar atas the risk of default of an exposure at the
eksposur pada tanggal pelaporan dengan risiko reporting date to the risk of default at origination
gagal bayar saat pengakuan awal (setelah (after taking into account the passage of time).
memperhitungkan perjalanan waktu dari akun Significant does not mean statistically
tersebut). Signifikan tidak berarti signifikan significant nor is it assessed in the context of
secara statistik, juga tidak dinilai dalam konteks changes in ECL. Whether a change in the risk
perubahan dalam ECL. Perubahan atas risiko of default is significant or not is assessed using
gagal bayar dinilai signifikan atau tidak, dinilai a number of quantitative and qualitative factors,
menggunakan sejumlah faktor kuantitatif dan the weight of which depends on the type of
kualitatif, yang bobotnya bergantung pada tipe product and counterparty.
produk dan pihak lawan.
Aset keuangan dengan tunggakan 30 hari atau Financial assets that are 30 or more days past
lebih dan tidak mengalami penurunan nilai akan due and not credit-impaired will always be
selalu dianggap telah mengalami peningkatan considered to have experienced a significant
risiko kredit yang signifikan. Perusahaan increase in credit risk. The Company uses a
menggunakan berbagai pengukuran kualitatif number of qualitative and quantitative
dan kuantitatif dalam menilai SICR. measures in assessing SICR.
Aset hanya akan dianggap mengalami An asset is only considered credit impaired and
penurunan nilai dan kerugian kredit lifetime expected credit losses recognised, if
ekspektasian sepanjang umurnya diakui, jika there is observed objective evidence of
terdapat bukti objektif penurunan nilai yang impairment. These factors are similar to the
dapat diobservasi. Faktor-faktor yang indicators of objective evidence of impairment
diobservasi ini serupa dengan indikator bukti under SFAS No. 55, this includes, amongst
objektif penurunan nilai pada PSAK No. 55, other factors, assets in default or experiencing
termasuk antara lain aset gagal bayar atau significant financial difficulty, or experiencing
mengalami kesulitan keuangan yang signifikan forbearance on impaired credit (mentioned as
atau mengalami forbearance atas kredit yang ‘Stage 3 asset’). The measurement of expected
mengalami penurunan nilai (disebut sebagai credit losses across all stages is required to
‘aset Stage 3’). Pengukuran kerugian kredit reflect an unbiased and probability weighted
ekspektasian di seluruh tahapan aset amount that is determined by evaluating a
diperlukan untuk mencerminkan jumlah yang range of reasonably possible outcomes using
tidak bias dan rata-rata probabilitas tertimbang reasonable and supportable information about
yang ditentukan dengan mengevaluasi past events, current conditions and forecasts of
serangkaian kemungkinan yang dapat terjadi future economic conditions.
menggunakan informasi yang wajar dan dapat
didukung dengan peristiwa di masa lampau,
kondisi saat ini dan proyeksi terkait dengan
kondisi ekonomis di masa depan.
27
Page 743
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Eksposur yang mengalami penurunan nilai Credit impaired (or defaulted) exposures
kredit atau gagal bayar (Stage 3) (Stage 3)
Aset keuangan yang mengalami penurunan Financial assets that are credit impaired (or in
nilai (atau gagal bayar) merupakan aset yang default) represent those that are at past due in
setidaknya telah memiliki tunggakan atau respect of principal and/or interest or has
memiliki peringkat kredit berdasarkan tabel certain credit grades as stated in credit risk
peringkat risiko kredit dibawah. Aset keuangan rating table below. Financial assets are also
juga dianggap mengalami penurunan nilai considered to be credit impaired where the
kredit di mana debitur kemungkinan besar tidak debtors are unlikely to pay on the occurrence of
akan membayar dengan terjadinya satu atau one or more observable events that have
lebih kejadian yang teramati yang memiliki a detrimental impact on the estimated future
dampak menurunkan jumlah estimasi arus kas cash flows of the financial asset. Loss
masa depan dari aset keuangan tersebut. provisions against credit impaired financial
Cadangan kerugian penurunan nilai terhadap assets are determined based on an
aset keuangan yang mengalami penurunan assessment of the recoverable cash flows
nilai ditentukan berdasarkan penilaian terhadap under a range of scenarios, including the
arus kas yang dapat dipulihkan berdasarkan realisation of any collateral held where
sejumlah skenario, termasuk realisasi jaminan appropriate.
yang dimiliki jika memungkinkan.
ECL akan mencerminkan skenario rata-rata The ECL will reflect weighted average of the
tertimbang berdasarkan probabilitas skenario scenarios based on the probability of the
yang relevan terjadi. relevant scenario to occur.
Cadangan kerugian penurunan nilai merupakan The loss provisions held represent the
selisih antara nilai sekarang dari arus kas yang difference between the present value of the
diperkirakan akan dipulihkan, didiskontokan cash flows expected to be recovered,
pada suku bunga efektif awal, dan nilai tercatat discounted at the instrument’s original effective
bruto instrumen sebelum penurunan nilai kredit. interest rate, and the gross carrying value of the
instrument prior to any credit impairment.
Periode yang diperhitungkan ketika mengukur The period considered when measuring
kerugian kredit ekspektasian adalah periode expected credit loss is the shorter of the
yang lebih pendek antara umur ekspektasian expected life and the contractual term of the
dan periode kontrak aset keuangan. Umur financial asset. The expected life may be
ekspektasian dapat dipengaruhi oleh impacted by prepayments and the maximum
pembayaran di muka dan periode kontrak contractual term by extension options.
maksimum melalui opsi perpanjangan kontrak.
Untuk aset yang diukur pada biaya perolehan For assets measured at amortised cost, the
diamortisasi, saldo di neraca mencerminkan balance sheet amount reflects the gross asset
aset bruto dikurangi kerugian kredit less the expected credit losses. For debt
ekspektasian. Untuk instrumen utang dalam instruments held at FVOCI, the balance sheet
kategori FVOCI, saldo di neraca mencerminkan amount reflects the instrument’s fair value, with
nilai wajar dari instrumen, dengan cadangan the expected credit loss allowance held as a
kerugian kredit ekspektasian dibukukan separate reserve within other comprehensive
terpisah sebagai cadangan pada pendapatan income.
komprehensif lain.
28
Page 744
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Peringkat risiko kredit berdasarkan risiko gagal Credit risk ratings based on the risk of default
bayar yang terjadi pada instrumen keuangan that occur in financial instruments is as follows:
adalah sebagai berikut:
Segmentasi Segmen Segmen Emas/ Segmen Fidusia/
/Stage Gadai/ Gold Segment Fiducia Segment
Pawn
Segment
Kol Rating Keterangan/ Kol Rating Keterangan/ Kol Rating Keterangan/
Description Description Description
Stage 1 Kol 1 R1 Sampai dengan Kol 1 R1 T0 Kol 1 R1 T0
jatuh tempo/up
to due date Kol 2 R2 T1-T30
Stage 2 Kol 1 R2 Setelah jatuh Kol 2 R2 T1-T30 R3 T31-T60
tempo/after due Kol 2
date R3 T31-T60 R4 T61-T90
Sampai dengan/up
to cut-off (grace
period)
Stage 3 Kol 2 R8 Setelah tanggal Kol 3 R8 >T61, Kol 3 R5 > 90
Kol 3 cut-off/ Kol 4 pembiayaan Kol 4
Kol 4 After cut-off Kol 5 setelah Kol 5 Kredit-Kredit dengan
Kol 5 tanggal cut status barang
Kredit-Kredit dengan off/financing bermasalah/Credits
status barang after cut-off with non-performing
bermasalah/Credits loan status:
with non-performing Kredit-Kredit dengan - Barang
loan status: status barang Hilang/missing
- Barang bermasalah/Credits goods,
Hilang/missing with non-performing - Barang Perkara/
goods, loan status: litigious goods
- Barang Perkara/ - Barang - Taksiran
litigious goods Hilang/missing Tinggi/high
- Taksiran goods, estimation,
Tinggi/high - Barang Perkara/ - Barang
estimation, litigious goods Bermasalah/non
- Barang - Taksiran performing
Bermasalah/non Tinggi/high goods
performing goods estimation,
- Barang
Bermasalah/non
performing goods
Perusahaan menggunakan tanggal cut off The Company uses the cut off date in the Pawn
dalam segmen Gadai dan Emas, sebagai and Gold segment, as a flagging date that a
flagging tanggal bahwa suatu aset keuangan financial asset has moved from the active
telah berpindah dari kategori aktif menjadi aset category to a financial asset in the auction
keuangan dengan kategori dalam proses lelang process category and/or a financial asset in the
dan/atau aset keuangan kategori bermasalah. problematic category.
Penentuan nilai wajar Determination of fair value
Perusahaan memiliki kebijakan dimana debitur The Company has a policy where debtors can
dapat mengajurkan perpanjangan request an extension (credit restructuring). In
(restrukturisasi kredit). Dalam permodelan dan ECL modeling and calculations, the Group
perhitungan ECL, Grup mengansumsikan kredit assumes that restructured loans must not have
yang direstrukturisasi tidak boleh memiliki an improvement in credit quality so that for
perbaikan kualitas kredit sehingga atas kredit restructuring credits the Group uses the worst
restrukturisasi Grup menggunakan rating rating between the rating before restructuring
terburuk antara rating sebelum restrukturisasi and the rating in Stage 2 of the Probability of
dengan rating pada Stage 2 Probability of Default.
Default.
29
Page 745
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Penentuan nilai wajar (lanjutan) Determination of fair value (continued)
Nilai wajar adalah harga yang akan diterima Fair value is the price that would be received to
untuk menjual suatu aset atau harga yang akan sell an asset or price that would be paid to
dibayar untuk mengalihkan suatu liabilitas transfer a liability in an orderly transaction
dalam transaksi teratur antara pelaku pasar between market participants at the
pada tanggal pengukuran di pasar utama atau, measurement date in the principal market or, in
jika tidak terdapat pasar utama, di pasar yang its absence, the most advantageous market to
paling menguntungkan dimana Grup memiliki which the Group has access at that date. The
akses pada tanggal tersebut. Nilai wajar fair value of a liability reflects its non-
liabilitas mencerminkan risiko wanprestasinya. performance risk.
Jika tersedia, Grup mengukur nilai wajar When available, the Group measures the fair
instrumen keuangan dengan menggunakan value of a financial instrument using the quoted
harga kuotasian di pasar aktif untuk instrumen price in an active market for that instrument.
tersebut.
Instrumen keuangan dianggap memiliki kuotasi A financial instrument is considered has quoted
di pasar aktif, jika harga kuotasi tersedia in an active market, if quoted prices are readily
sewaktu-waktu dan dapat diperoleh secara rutin and regularly available from an exchange,
dari bursa, pedagang efek, perantara efek, dealer, broker, industry group, pricing service or
kelompok industri, badan pengawas (pricing regulatory agency, and those prices represent
service atau regulatory agency), dan harga actual and regularly occurring market
tersebut mencerminkan transaksi pasar yang transactions on an arm’s length basis. If the
aktual dan rutin dalam suatu transaksi yang above criteria are not met, the market is
wajar. Jika kriteria di atas tidak terpenuhi, maka regarded as being an inactive.
pasar aktif dinyatakan tidak tersedia.
Indikasi-indikasi dari pasar tidak aktif adalah Indications that a market is inactive are when
terdapat selisih yang besar antara harga there is a wide bid and offer spread or
penawaran dan permintaan atau kenaikan significant increase in the bid and offer spread
signifikan dalam selisih harga penawaran dan or there are few recent transactions.
permintaan dan hanya terdapat beberapa
transaksi terkini.
Untuk instrumen keuangan yang tidak For financial instruments with no quoted market
mempunyai kuotasi harga pasar, estimasi yang price, a reasonable estimate of the fair value is
wajar ditetapkan dengan mengacu pada nilai determined by reference to the current market
pasar terkini instrumen keuangan lain yang value of another instrument which substantially
secara substansi memiliki karateristik yang have the same characteristic or calculated
sama atau dihitung berdasarkan arus kas based on the expected cash flows of the
estimasian terhadap aset bersih dari instrumen underlying net asset base of the financial
keuangan tersebut. instruments.
Nilai wajar untuk semua instrumen keuangan For all other financial instruments, fair value is
lainnya ditentukan dengan menggunakan determined using valuation techniques. In
teknik penilaian. Dengan teknik ini, nilai wajar these techniques, fair value are estimated from
merupakan suatu estimasi yang dihasilkan dari observable data in respect of similar financial
data yang dapat diobservasi dari instrumen instruments, using models to estimate the
keuangan yang sama, menggunakan model- present value of expected future cash flows or
model untuk mendapatkan estimasi nilai kini other valuation techniques, using available
dari arus kas masa depan yang diharapkan inputs at the dates of the consolidated
atau teknik penilaian lainnya menggunakan statement of financial position.
input yang tersedia pada tanggal laporan posisi
keuangan konsolidasian.
30
Page 746
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
d. Instrumen keuangan (lanjutan) d. Financial instruments (continued)
Penentuan nilai wajar (lanjutan) Determination of fair value (continued)
Bukti terbaik dari nilai wajar pada saat The best evidence of fair value at initial
pengakuan awal adalah harga transaksinya recognition is the transaction price (the fair
(nilai wajar pembayaran yang diserahkan atau value of the consideration given or received),
diterima), kecuali nilai wajar dari instrumen unless the fair value of that instrument is proved
tersebut dapat dibuktikan dengan by comparison with other observable current
perbandingan transaksi untuk instrumen yang market transactions for the same instrument
sama di pasar terkini yang dapat diobservasi (that is, without modification or repackaging) or
(yaitu yang tanpa modifikasi atau re-packaging) based on a valuation technique whose
atau berdasarkan teknik penilaian dimana variables include only data from observable
variabelnya hanya data dari pasar yang dapat markets.
diobservasi.
e. Kas dan setara kas e. Cash and cash equivalents
Kas dan setara kas mencakup kas, kas di bank Cash and cash equivalents include cash on
dan deposito berjangka dengan jatuh tempo hand, cash in bank and time deposit with
tiga bulan atau kurang dari tanggal penempatan maturity three months or less from the
yang tidak dibatasi penggunaannya dan tidak placement date which are not restricted and not
digunakan sebagai jaminan. pledged as collaterals for borrowings.
f. Pinjaman yang diberikan f. Loans
Pinjaman yang diberikan diklasifikasikan Loans are classified as financial assets
sebagai aset keuangan (lihat Catatan 2d). (see Note 2d). Loans consist of pawn business,
Pinjaman yang diberikan terdiri atas pinjaman sharia pawn business, micro business, gold
usaha gadai, usaha gadai syariah, usaha mikro, business and other service business.
usaha emas, dan usaha jasa lainnya. Recognition, initial measurement, subsequent
Pengakuan, pengukuran awal, pengukuran measurement, fair value, impairment and
setelah pengakuan awal, nilai wajar, penurunan derecognition of loans refer to Note 2d.
nilai dan penghentian pengakuan pinjaman
yang diberikan mengacu pada Catatan 2d.
g. Persediaan g. Inventories
Persediaan emas dinyatakan berdasarkan nilai Gold inventories are measured at the lower of
terendah antara harga perolehan dan realisasi cost and net realisable value. Goods
bersih. Persedian barang dinilai berdasarkan inventories are measured at cost and recorded
harga perolehan dan dicatat sebagai beban as expenses at the time of used. Net realisable
pada saat digunakan. Nilai realisasi bersih value is the estimated selling price in the
adalah estimasi harga penjualan dalam ordinary course of business, less applicable
kegiatan usaha biasa, dikurangi beban variable selling expenses.
penjualan bervariasi.
Harga perolehan untuk persediaan emas dan Cost for gold and goods inventories are
barang ditentukan dengan menggunakan determined using the average method.
metode rata-rata.
h. Penyertaan langsung h. Direct participation
Penyertaan Iangsung diklasifikasikan sebagai Direct participation classified as financial asset
aset keuangan diukur pada nilai wajar melalui fair value through other comprehensive income
penghasilan komprehensif lain dan diakui and recognised amounting to the fair value.
sebesar nilai wajarnya.
31
Page 747
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
i. Aset tetap - bersih i. Fixed assets - net
Berdasarkan PSAK No. 16 (revisi 2016), Grup Under SFAS No. 16 (revised 2016), the Group
memilih menggunakan metode biaya kecuali has chosen the cost method except for land and
tanah dan bangunan dimana menggunakan buildings which use revaluation method.
metode revaluasi.
Tanah dan bangunan disajikan sebesar nilai Land and buildings are shown at fair value,
wajar, berdasarkan penilaian yang dilakukan based on valuations performed by external
oleh penilai independen eksternal yang telah independent valuers which are registered with
terdaftar di Otoritas Jasa Keuangan (“OJK”), Financial Services Authority (“OJK”), less
dikurangi penyusutan untuk bangunan. subsequent depreciation for buildings. The
Penilaian atas aset tersebut dilakukan secara valuations of those assets are performed
berkala untuk memastikan bahwa nilai wajar periodically to ensure that the fair value of a
aset yang direvaluasi tidak berbeda secara revalued asset does not materially different
material dengan jumlah tercatatnya. from its carrying amount.
Akumulasi penyusutan pada tanggal revaluasi Any accumulated depreciation at the date of
dieliminasi terhadap nilai tercatat bruto aset dan revaluation is eliminated against the gross
nilai netonya disajikan kembali sebesar jumlah carrying amount of the asset, and the net
revaluasi aset. Aset tetap inventaris dan amount is restated to the revalued amount of
kendaraan bermotor disajikan sebesar harga the asset. Office equipments and motor
perolehan dikurangi dengan penyusutan. Harga vehicles are stated at acquistion cost less
perolehan termasuk pengeluaran yang dapat depreciation. Acquisition cost includes
diatribusikan secara langsung atas perolehan expenditure that is directly attributable to the
aset tersebut. acquisition of the items.
Biaya-biaya setelah pengakuan awal diakui Subsequent costs are included in the asset’s
sebagai bagian nilai tercatat aset atau sebagai carrying amount or recognised as a separate
aset yang terpisah, sebagaimana mestinya, asset, as appropriate, only when it is probable
hanya jika kemungkinan besar Grup mendapat that future economic benefits associated with
manfaat ekonomis di masa depan berkenaan the item will flow to the Group and the cost of
dengan aset tersebut dan biaya perolehan aset the item can be measured reliably. The carrying
dapat diukur dengan andal. Nilai tercatat dari amount of replaced part is derecognised.
komponen yang diganti dihapuskan. Biaya Repairs and maintenance costs are charged to
perbaikan dan pemeliharaan dibebankan ke the profit or loss during the financial year in
dalam laporan laba rugi dalam tahun keuangan which they are incurred.
ketika biaya-biaya tersebut terjadi.
Biaya legal awal untuk mendapatkan hak legal Initial legal costs incurred to obtain legal rights
diakui sebagai bagian biaya akuisisi tanah, are recognised as part of the acquisition cost of
biaya-biaya tersebut tidak didepresiasikan. the land, and these costs are not depreciated.
Biaya terkait dengan pembaruan hak atas tanah Costs related to renewal of land rights are
diakui sebagai aset takberwujud dan recognised as an intangible asset and
diamortisasi sepanjang umur hak atas tanah. amortised during the period of the land rights.
Kenaikan yang berasal dari revaluasi diakui Any revaluation increase arising from
pada penghasilan komprehensif lain dan revaluation is recognised in other
terakumulasi dalam ekuitas pada bagian comprehensive income and accumulated in
"cadangan revaluasi aset tetap", kecuali equity under "asset revaluation reserve",
sebelumnya penurunan revaluasi atas aset except to the extent that it reverses
yang sama pernah diakui dalam laporan laba a revaluation decrease, for the same asset
rugi, dalam hal ini kenaikan revaluasi hingga which was previously recognised in the profit or
sebesar penurunan nilai aset akibat revaluasi loss, in which case the increase is credited to
tersebut, dikreditkan dalam laporan laba rugi. profit or loss to the extent of the decrease
previously charged.
32
Page 748
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
i. Aset tetap - bersih (lanjutan) i. Fixed assets - net (continued)
Penurunan jumlah tercatat yang berasal dari A decrease in carrying amount arising on the
revaluasi dibebankan dalam laporan laba rugi revaluation is charged to profit or loss to the
apabila penurunan tersebut melebihi saldo extent that it exceeds the balance, if any, held
surplus revaluasi aset yang bersangkutan, jika in the revaluation surplus relating to a previous
ada. Setiap periode pelaporan, selisih antara revaluation of such assets. At each reporting
penyusutan berdasarkan nilai revaluasi aset period, the difference between depreciation
yang diakui di dalam laporan laba rugi dan based on the revalued carrying amount of the
penyusutan berdasarkan harga perolehan awal asset charged to the profit or loss and
aset ditransfer dari “cadangan revaluasi aset” depreciation based on the asset’s original cost
ke dalam “saldo laba”. Tanah tidak disusutkan. is transferred from “asset revaluation reserve”
Aset tetap selain bangunan dan kendaraan to “retained earnings”. Land is not depreciated.
disusutkan dengan menggunakan metode Fixed assets other than buildings and vehicle
saldo menurun ganda, sedangkan bangunan are depreciated using the double-declining
dan kendaraan disusutkan dengan balance method, while buildings and vehicles
menggunakan metode garis lurus berdasarkan are depreciated using the straight-line method
taksiran masa manfaat ekonomis sebagai based on the estimated useful lives as follows:
berikut:
Persentase/
Tahun/Years Percentage
Bangunan permanen 20 5% Permanent buildings
Bangunan tidak permanen 10 10% Non-permanent buildings
Inventaris 4 25% Office equipments
Kendaraan 4-8 12,5% - 25% Vehicles
Nilai sisa aset, masa manfaat, dan metode The assets residual values, useful lives and
penyusutan ditelaah dan jika perlu disesuaikan, depreciation method are reviewed and adjusted
pada setiap akhir periode pelaporan. if appropriate, at the end of each reporting
period.
Nilai tercatat aset segera diturunkan sebesar An assets carrying amount is written down
jumlah yang dapat dipulihkan jika nilai tercatat immediately to its recoverable amount if the
aset lebih besar dari estimasi jumlah yang asset’s carrying amount is greater than its
dapat dipulihkan. estimated recoverable amount.
Keuntungan atau kerugian bersih atas Net gains or losses on disposals are
pelepasan aset tetap ditentukan dengan determined by comparing the proceeds with the
membandingkan hasil yang diterima dengan carrying amount and are recognised within
nilai tercatat dan diakui pada “other income/(losses) - net” in the profit or loss.
“pendapatan/(beban) lain-lain - bersih” dalam
laporan laba rugi.
Jika aset yang direvaluasi dijual, jumlah yang When revalued assets are sold, the amounts
dicatat di dalam ekuitas dipindahkan ke saldo included in equity are transferred to retained
laba. earnings.
33
Page 749
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
i. Aset tetap - bersih (lanjutan) i. Fixed assets - net (continued)
Aset Dalam Penyelesaian (“ADP”) merupakan Construction In Progress (“CIP”) is an
akumulasi biaya konstruksi bangunan, biaya accumulated costs of the construction of
material, dan biaya lainnya dikapitalisasi buildings, material costs and other costs are
sebagai aset dalam penyelesaian. Biaya capitalised as construction in progress. These
tersebut direklasifikasi ke akun aset tetap pada costs are reclassified to fixed assets when the
saat proses konstruksi atau pemasangan construction or installation is complete.
selesai. Penyusutan dimulai pada saat aset Depreciation is charged from the date the
tersebut siap untuk digunakan sesuai dengan assets are ready for use in the manner intended
tujuan yang diinginkan Manajemen. by Management.
Beban renovasi gedung sewa, diamortisasi Renovation expense of rental building,
sesuai dengan masa manfaatnya. amortised as per benefit period.
j. Aset takberwujud – bersih j. Intangible assets - net
Aset takberwujud terdiri dari aset takberwujud Intangible assets consist of intangible asset
yang berasal dari piranti lunak yang dimiliki from Group's software. Intangible assets is
Grup. Aset takberwujud diakui jika Grup recognised if Group have high possibility to get
kemungkinan besar akan memperoleh manfaat economical benefits in the future from those
ekonomis di masa depan dari aset tak berwujud intangible assets and the cost could be
tersebut dan biaya aset takberwujud tersebut measured reliably.
dapat diukur dengan andal.
Aset takberwujud dicatat berdasarkan harga Intangible assets is recorded based on
perolehan dikurangi akumulasi amortisasi dan acquisition cost deducted by accumulated
penurunan nilai, jika ada. Aset takberwujud amortisation and impairment if there's any
diamortisasi berdasarkan estimasi masa impairment. Intangible assets are amortised
manfaat. Grup mengestimasi nilai yang dapat based on the estimated useful life. Group
diperoleh kembali dari aset takberwujud. estimated the value that can be recovered from
Apabila nilai aset takberwujud melebihi estimasi intangible assets. If value of intangible assets
nilai yang dapat diperoleh kembali, maka nilai exceed the recovered estimated value, then the
tercatat aset tersebut tersebut diturunkan amount that recorded in the asset should be
menjadi sebesar nilai yang dapat diperoleh lowered at the recoverable estimated value.
kembali.
Aset takberwujud diamortisasi dengan Intangible assets are amortised using straight
menggunakan metode garis lurus dengan line method with an estimated economic useful
taksiran masa manfaat ekonomis selama life of 4 years.
4 tahun.
Biaya yang terkait dengan pemeliharaan Costs associated with maintainance of
program piranti lunak komputer diakui sebagai computer software programs are recognised as
beban pada saat terjadinya. Biaya an expense as incurred. Development costs
pengembangan yang dapat secara langsung that are directly attributable to the design and
diatribusikan kepada desain dan pengujian testing of identifiable and unique software
produk piranti lunak yang dapat diidentifikasi products controlled by the Group are
dan unik yang dikendalikan oleh Grup diakui recognised as intangible assets.
sebagai aset takberwujud.
34
Page 750
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
j. Aset takberwujud – bersih (lanjutan) j. Intangible assets – net (continued)
Aset takberwujud dihentikan pengakuannya Intangible assets are derecognised when the
ketika aset tersebut dilepaskan atau ketika tidak assets are released or have no future economic
terdapat lagi manfaat ekonomi masa depan. benefit. The difference between carrying
Selisih dalam laporan antara nilai tercatat aset amount of the asset and net value of its disposal
dengan hasil neto yang diterima dari is recognised in the consolidated profit or loss.
pelepasannya diakui dalam laporan laba rugi
konsolidasian.
k. Sewa k. Leases
Pada tanggal permulaan kontrak, Grup menilai At the inception of a contract, the Group
apakah kontrak merupakan atau mengandung assesses whether the contract is or contains a
sewa. Suatu kontrak merupakan atau lease. A contract is or contains a lease if the
mengandung sewa jika kontrak tersebut contract conveys the right to control the use of
memberikan hak untuk mengendalikan an identified assets for a period of time in
penggunaan aset identifikasian selama suatu exchange for consideration. The Group can
jangka waktu untuk dipertukarkan dengan choose not to recognise the right-of-use asset
imbalan. Grup dapat memilih untuk tidak and lease liabilities for short term lease and low
mengakui aset hak-guna dan liabilitas sewa value asset.
untuk sewa jangka pendek dan sewa yang aset
pendasarnya bernilai rendah.
Untuk menilai apakah kontrak memberikan hak To assess whether a contract conveys the right
untuk mengendalikan penggunaan aset to control the use of an identified asset, the
identifikasian, Grup harus menilai apakah: Group shall assess whether:
- Grup memiliki hak untuk mendapatkan - The Group has the right to obtain
secara substansial seluruh manfaat substantially all the economic benefit from
ekonomi dari penggunaan aset use of the asset throughout the period of
identifikasian; dan use; and
- Grup memiliki hak untuk mengarahkan - The Group has the right to direct the use of
penggunaan aset identifikasian. Grup the asset. The Group has described when
memiliki hak ini ketika Grup memiliki hak it has a decision-making right that are the
untuk pengambilan keputusan yang most relevant to changing how and for
relevan tentang bagaimana dan untuk what purpose the asset is used are
tujuan apa aset digunakan telah ditentukan predetermined:
sebelumnya dan:
1. Grup memiliki hak untuk 1. The Group has the right to operate the
mengoperasikan aset; dan asset; and
2. Grup telah mendesain aset dengan 2. The Group has designed the asset in
cara menetapkan sebelumnya a way that predetermine how and for
bagaimana dan untuk tujuan apa aset what purpose it will be used.
akan digunakan selama periode
penggunaan.
Pada tanggal permulaan sewa, Grup mengakui The Group recognises a right-of-use asset and
aset hak-guna dan liabilitas sewa. Aset hak- a leases liability at the leases commencement
guna diukur pada biaya perolehan, dimana date. The right-of-use asset is initially
meliputi jumlah pengukuran awal liabilitas sewa measured at cost, which comprises the initial
yang disesuaikan dengan pembayaran sewa amount of the leases liability adjusted for any
yang dilakukan pada atau sebelum tanggal leases payment made at or before the
permulaan, ditambah dengan biaya langsung commencement date, plus any initial direct cost
awal yang dikeluarkan. Aset hak-guna incurred. The right-of-use asset is amortised
diamortisasi dengan menggunakan metode over the straight-line method throughout the
garis lurus sepanjang jangka waktu sewa lease term ranging from 2 to 12 years lease.
antara 2 hingga 12 tahun sewa.
35
Page 751
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
k. Sewa (lanjutan) k. Leases (continued)
Liabilitas sewa diukur pada nilai kini The lease liability is initially measured at the
pembayaran sewa yang belum dibayar pada present value of the lease payments that are
tanggal permulaan, didiskontokan dengan not paid at the commencement date,
menggunakan suku bunga implisit dalam sewa discounted using the interest rate implicit in the
atau jika suku bunga tersebut tidak dapat lease or, if that right cannot be readily
ditentukan, maka menggunakan suku bunga determined, using incremental borrowing rate.
pinjaman inkremental. Pada umumnya, Grup Generally, the Group uses its incremental
menggunakan suku bunga pinjaman borrowing rate as a discount rate.
inkremental sebagai tingkat bunga diskonto.
Pembayaran sewa dialokasikan menjadi bagian Each leases payment is allocated between the
pokok dan biaya keuangan. Biaya keuangan liability and finance cost. The finance cost is
dibebankan pada laba rugi selama periode charged to profit or loss over the leases period
sewa sehingga menghasilkan tingkat suku so as to produce a constant periodic rate of
bunga periodik yang konstan atas saldo interest on the remaining balance of the liability
liabilitas untuk setiap periode. for each period.
Grup menyajikan aset hak-guna sebagai bagian The Group presents right-of-use assets as part
dari “aset tetap” dan liabilitas sewa sebagai of “fixed assets” and leases liabilities as “lease
“liabilitas sewa” di dalam laporan posisi liabilities” in the consolidated statement of
keuangan konsolidasian. financial position.
Jika sewa mengalihkan kepemilikan asset If the leases transfers ownership of the
pendasar kepada Grup pada akhir masa sewa underlying asset to the Group by the end of the
atau jika biaya perolehan aset hak-guna leases term or if the cost of the right-of-use
merefleksikan Grup akan mengeksekusi opsi asset reflects that the Group will exercise a
beli, maka Grup menyusutkan aset hak-guna purchase option, the Group depreciates the
dari tanggal permulaan hingga akhir umur right-of-use asset from the commencement
manfaat aset pendasar. Jika tidak, maka Grup date to the end of the useful life of the
menyusutkan aset hak-guna dari tanggal underlying asset. Otherwise, the Group
permulaan hingga tanggal yang lebih awal depreciates the right-of-use asset from the
antara akhir umur manfaat aset hak-guna atau commencement date to the earlier of the end of
akhir masa sewa. the useful life of the right-of-use asset or the
end of the leases term.
Grup menganalisa fakta dan keadaan untuk The Group analyses the facts and
masing-masing jenis hak atas tanah dalam circumstances for each type of landrights in
menentukan akuntansi untuk masing-masing determining the accounting for each of these
hak atas tanah tersebut sehingga dapat land rights so that it can accurately represent an
merepresentasikan dengan tepat suatu underlying economic event or transaction. If the
kejadian atau transaksi ekonomi yang landrights do not transfer control of the
mendasarinya. Jika hak atas tanah tersebut underlying assets to the Group, but gives the
tidak mengalihkan pengendalian atas aset rights to use the underlying assets, the Group
pendasar kepada Grup, melainkan applies the accounting treatment of these
mengalihkan hak untuk menggunakan aset transactions as leases under SFAS No. 73
pendasar, Grup menerapkan perlakuan “Leases”, except if landrights substantially
akuntansi atas transaksi tersebut sebagai sewa similar to land purchases, the Group applies
berdasarkan PSAK No. 73 “Sewa”, kecuali jika SFAS No. 16 “Fixed assets”.
hak atas tanah secara substansi menyerupai
pembelian tanah, maka Grup menerapkan
PSAK No. 16 “Aset tetap”.
36
Page 752
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
k. Sewa (lanjutan) k. Leases (continued)
Modifikasi sewa Lease modification
Grup mencatat modifikasi sewa sebagai sewa The Group account for a lease modification as
terpisah jika: a separate lease if both:
- Modifikasi meningkatkan ruang lingkup - The modification increases the scope of
sewa dengan menambahkan hak untuk the lease by adding the right to use one or
menggunakan satu aset pendasar atau more underlying assets;
lebih;
- Imbalan sewa meningkat sebesar jumlah - The consideration for the lease increases
yang setara dengan harga tersendiri untuk by an amount commensurate with the
peningkatan dalam ruang lingkup dan stand-alone price for the increase in scope
penyesuaian yang tepat pada harga and any appropriate adjustments to that
tersendiri tersebut untuk merefleksikan stand-alone price to reflect the
kondisi kontrak tertentu. circumstances of the particular contract.
l. Properti investasi l. Investment properties
Properti yang dimiliki untuk disewakan dalam Property that is held for long-term rental yields
jangka panjang atau untuk kenaikan harga atau or for capital appreciation or both, and that is
keduanya, dan yang tidak ditempati oleh not occupied by the companies in the
perusahaan-perusahaan di Grup konsolidasian consolidated Group, is classified as investment
diklasifikasikan sebagai properti investasi. properties.
Properti investasi juga mencakup properti yang Investment properties also include properties
sedang dikonstruksi atau dikembangkan untuk that is being constructed or developed for future
digunakan sebagai properti investasi di masa use as investment properties.
depan.
Properti investasi awalnya diukur berdasarkan Investment properties are measured initially at
biayanya, termasuk biaya transaksi yang terkait its cost, including related transaction costs and
dan biaya pinjaman yang berlaku. where applicable borrowing costs.
Setelah pengakuan awal, properti investasi After initial recognition, investment properties
dicatat sebesar nilai wajarnya. Properti are carried at fair value. Investment property
investasi yang sedang dalam pengembangan that is being redeveloped for continuous use as
ulang untuk penggunaan lebih lanjut sebagai investment properties or for which the market
properti investasi atau ketika pasar menjadi has become less active continues to be
kurang aktif tetap dicatat sebesar nilai measured at fair value. Investment property
wajarnya. Properti investasi dalam konstruksi under construction is measured at fair value if
diukur menggunakan nilai wajar jika nilai wajar the fair value is considered to be reliably
dianggap dapat diukur secara andal. Properti determinable. Investment properties under
investasi dalam konstruksi yang nilai wajarnya construction for which the fair value cannot be
tidak dapat diukur secara andal, tetapi determined reliably, but for which the Company
Perusahaan mengharapkan nilai wajarnya expects that the fair value of the property will be
dapat diukur secara andal ketika konstruksi reliably determinable when construction is
selesai, diukur senilai biaya dikurangi completed, are measured at cost less
penurunan nilai sampai nilai wajarnya dapat impairment until the fair value becomes reliably
diukur secara andal atau konstruksi determinable or construction is completed -
diselesaikan - yang mana yang lebih awal. whichever is earlier.
37
Page 753
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
l. Properti investasi (lanjutan) l. Investment properties (continued)
Untuk mengevaluasi apakah nilai wajar dari In order to evaluate whether the fair value of an
properti investasi dalam konstruksi dapat diukur investment property under construction can be
secara andal, Manajemen mempertimbangkan determined reliably, Management consider the
faktor-faktor berikut, antara lain, provisi dari following factors, among others, the provisions
kontrak konstruksi, tahap penyelesaian, apabila of the construction contract, the stage of
properti standar (umum di pasaran) atau tidak completion, whether the project/property is
standar, tingkat keandalan arus kas masuk standard (typical for the market) or non-
setelah penyelesaian, risiko pengembangan standard, the level of reliability of cash inflows
spesifik atas properti, pengalaman terdahulu after completion, and the development risk
dengan konstruksi serupa, dan status izin specific to the property, past experience with
konstruksi. similar constructions, and status of construction
permits.
Nilai wajar didasarkan kepada harga pasar Fair value is based on active market prices,
aktif, disesuaikan, jika perlu, dengan perbedaan adjusted, if necessary, for differences in the
alam, lokasi atau kondisi dari aset tersebut. Jika nature, location or condition of the specific
informasi tersebut tidak tersedia, Grup asset. If this information is not available, the
menggunakan metode penilaian alternatif, Group uses alternative valuation methods, such
seperti harga terbaru di pasar yang kurang aktif as recent prices on less active markets or
atau projeksi arus kas yang didiskontokan. discounted cash flow projections. Valuations
Penilaian dilakukan pada tanggal neraca oleh are performed as of the financial position date
penilai ahli dengan kualifikasi yang diakui dan by professional valuers who hold recognised
relevan dan memiliki pengalaman terbaru atas and relevant professional qualifications and
lokasi dan kategori dari properti investasi dinilai. have recent experience in the location and
Penilaian ini membentuk dasar untuk nilai category of the investment property being
tercatat pada laporan keuangan konsolidasian. valued. These valuations form the basis for the
carrying amounts in the consolidated financial
statements.
Penambahan selanjutnya dikapitalisasi ke nilai Subsequent expenditure is capitalised to the
tercatat aset hanya ketika ada keuntungan asset’s carrying amount only when it is
ekonomi di masa yang akan datang dapat probable that future economic benefits
dinikmati oleh Grup dari penambahan tersebut associated with the expenditure will flow to the
dan hal tersebut dapat diukur secara andal. Group and the cost of the item can be
Biaya perbaikan dan perawatan lainnya akan measured reliably. Other repairs and
menjadi biaya saat terjadi. Ketika bagian dari maintenance costs are expensed when
properti investasi digantikan, nilai tercatat dari incurred. When part of an investment property
bagian yang digantikan tersebut akan dihapus. is replaced, the carrying amount of the replaced
part is derecognised.
Perubahan nilai wajar diakui di laporan laba Changes in fair values are recognised in the
rugi. Properti investasi tidak diakui ketika profit or loss. Investment properties are
dilepas. derecognised when they have been disposed.
38
Page 754
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
m. Beban dibayar di muka m. Prepaid expense
Beban dibayar di muka mencerminkan beban- Prepaid expense represents expenses that
beban yang telah dikeluarkan dan mempunyai have been issued and which have the benefit of
manfaat lebih dari satu tahun, seperti: (lanjutan) more than one year, such as: (continued)
- Beban renovasi gedung sewa, diamortisasi - Renovation expense of rental building,
sesuai dengan masa manfaatnya. amortised as per benefit period.
- Beban pengurusan legal hak atas tanah, - Legal processing expense of land right,
diamortisasi sepanjang umur hak atas amortised as per the period of the land
tanah tersebut. Jenis atas tanah ini adalah rights. This type of land represents building
Hak Guna Bangunan (“HGB”) yang rights of use (“HGB”) with a useful life for
mempunyai masa manfaat selama 20 years.
20 tahun.
n. Aset lain-lain n. Other assets
Aset lain-lain terdiri dari kerugian Perusahaan Other assets consist of the Company’s lossess
yang masih harus diperhitungkan (KPYD), that are still in investigation (KPYD), unsold
barang jaminan yang belum dijual dan collateral goods and its allowance.
cadangan penyisihan terkait.
Kerugian Perusahaan yang masih harus The Company’s losses that are still in
diperhitungkan (KPYD) investigation (KPYD)
KPYD adalah kerugian yang ditetapkan KPYD are defined as losses due to over
sementara akibat taksiran yang terlalu tinggi estimation made by the employee/perpetrator
yang dilakukan oleh pegawai/pelaku tindak of the fraud. While waiting for the completion of
kecurangan. Sementara menunggu selesainya the process of establishing a claim for
proses penetapan tuntutan ganti rugi kepada compensation to the employee concerned, the
pegawai yang bersangkutan jumlah potensi amount of potential losses reclassified from
kerugian direklasifikasi dari pinjaman yang loans provided (“PYD”) to KPYD. KPYD value
diberikan (“PYD”) ke KPYD. KPYD akan will be reclassified to other receivables in the
direklasifikasi ke piutang lainnya dalam pos post claim compensation receivable (“TGR”) on
piutang tuntutan ganti rugi (“TGR”) atas nama behalf of the employee if the compensation
pegawai apabila proses penetapan ganti rugi determination process has been completed
telah selesai dimana penetapannya melalui through the Director’s Decree. The settlement
Surat Keputusan Direksi. Penyelesaian atas of this accounts is then performed through
piutang TGR selanjutnya dilakukan melalui monthly payroll deductions.
pemotongan gaji tiap bulan.
Barang jaminan yang belum terjual Unsold collateral items
Barang jaminan yang tidak laku dijual lelang Collateral items that are unsold on the auction
karena harga jual barang jaminan lebih rendah because the collateral price is lower than the
dibandingkan dengan Harga Limit Limit Auction Price/Minimal Auction Price,
Lelang/Harga Minimal Lelang, yaitu: uang which: loan principals + interest + auction fees
pinjaman + sewa modal + biaya lelang treated as Allowance of Asset (“AYD”).
diberlakukan sebagai Aset Yang Disisihkan Basically, AYD is loan which collateral is in
(“AYD”). AYD pada dasarnya merupakan auction process. Cash received from the
pinjaman yang diberikan yang jaminannya auction will be used to settle the loan.
sedang dalam proses lelang. Kas yang
diperoleh dari lelang tersebut akan digunakan
untuk menyelesaikan pinjaman.
39
Page 755
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
o. Utang kepada nasabah dan utang usaha o. Payables to customers and trade payables
Utang kepada nasabah dan utang usaha Payables to customers and trade payables are
adalah kewajiban membayar barang atau jasa obligations to pay for goods or services that
yang telah diterima dalam kegiatan usaha have been acquired in the ordinary course of
normal. Kewajiban yang termasuk dalam utang business. Obligations which are included in
kepada nasabah dan utang usaha merupakan payables to customers and trade payables are
titipan angsuran, pengadaan barang dan jasa, installment deposit, procurement of goods and
jasa konsultan, uang kelebihan, utang service, consultancy services, excess money,
pengadaan barang emas dan lainnya. gold payable procurement and others.
Apabila dalam jangka waktu 12 bulan uang If within a period of 12 months the excess
kelebihan tersebut tidak diambil oleh nasabah money is not taken by the respective
bersangkutan, maka dinyatakan kadaluarsa customers, it will expire and be transferred to
dan dialihkan menjadi Utang Dana Kepedulian Social Care Fund (Conventional) and Charity
Sosial (Gadai Konvensional) dan Utang Dana Fund (Sharia) payable in accordance with the
Kebajikan Umat (Gadai Syariah) sesuai credit agreement with customer.
Perjanjian Kredit dengan nasabah.
p. Akrual dan liabilitas lain-lain p. Accruals and other liabilities
Akrual dan liabilitas lain-lain merupakan Accruals and other liabilities are obligations to
kewajiban yang harus dibayarkan kepada pay employees and general public such as
pegawai dan masyarakat umum seperti bunga interest on bank loans and debt, tantiem and
pinjaman dan obligasi, tantiem dan bonus employees bonus, contingen liabilities,
pegawai, liabilitas kontijensi, iuran kepada installment to pension, THT and BPJS, charity
taspen, THT dan BPJS, dana kebajikan umat and fund, and others.
dan kepedulian sosial, dan lainnya.
q. Pinjaman bank q. Bank loans
Pinjaman bank pada awalnya diakui sebesar Bank loans are recognised initially at fair value,
nilai wajar setelah dikurangi biaya-biaya net of directly attributable transaction costs
transaksi (jika ada) yang dapat diatribusikan (if any). Borrowings are subsequently
secara langsung. Pinjaman yang diterima measured at amortised cost. Any difference
selanjutnya dicatat menggunakan biaya between the proceeds (net of transaction costs)
perolehan diamortisasi. Selisih antara jumlah and the redemption value is recognised in the
yang diterima (bersih setelah dikurangi biaya- profit or loss over the period of the borrowings
biaya transaksi) dan nilai penyelesaian using the effective interest rate method.
pinjaman yang diterima tersebut diakui dalam
laba rugi sepanjang masa pinjaman dengan
menggunakan metode suku bunga efektif.
Bunga pinjaman diakui sebagai biaya keuangan Interest on borrowings are recorded as finance
berdasarkan basis akrual. Pinjaman cost using accrual basis. Borrowings are
diklasifikasikan sebagai liabilitas keuangan classified as financial liabilities measured at
yang diukur dengan biaya perolehan amortised cost.
diamortisasi.
40
Page 756
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
r. Liabilitas imbalan kerja r. Employee benefit liabilities
Entitas Anak memiliki program imbalan pasca The Subsidiaries has post-employment benefit
kerja yang dihitung berdasarkan Undang- programs which is calculated based on the Job
undang Penciptaan Lapangan Kerja No. Creation Law No. 11/2020 (the “Cipta Kerja
11/2020 (“UU Cipta Kerja”), Peraturan Law”), Regulation No. 35/2021, and Company’s
Pemerintah No. 35/2021, dan Perjanjian Kerja Labor Agreement.
Bersama Perusahaan.
Kewajiban pensiun Pension obligation
Grup memiliki program imbalan pasti dan iuran The Group has both defined benefit and defined
pasti. Program iuran pasti merupakan program contribution plans. A defined contribution plan
pensiun dimana Grup membayar sejumlah is a pension plan under which the Group pay
iuran tertentu kepada entitas (dana) yang fixed contributions into a separate entity (fund).
terpisah.
Grup tidak memiliki kewajiban hukum atau The Group has no legal or constructive
konstruktif untuk membayar iuran lebih lanjut obligations to pay further contributions if the
jika entitas tersebut tidak memiliki aset yang fund does not hold sufficient assets to pay all
cukup untuk membayar seluruh imbalan atas employees the benefits relating to employee
jasa yang diberikan pekerja pada periode service in the current and prior periods. A
berjalan maupun periode lalu. Program imbalan defined benefit plan is a pension plan that is not
pasti adalah program pensiun yang bukan a defined contribution plan. Typically, defined
merupakan program iuran pasti. Pada benefit plans define an amount of pension
umumnya, program imbalan pasti ditentukan benefit that an employee will receive on
berdasarkan jumlah imbalan pensiun yang akan retirement, usually dependent on one or more
diterima seorang pekerja pada saat pensiun, factors such as age, years of service and
biasanya tergantung oleh satu faktor atau lebih, compensation.
misalnya usia, masa bekerja, dan kompensasi.
Pada bulan April 2022, DSAK IAI (Dewan In April 2022, DSAK IAI (Institute of Indonesia
Standar Akuntansi Keuangan Ikatan Akuntan Chartered Accountants’ Accounting Standard
Indonesia) menerbitkan materi penjelasan Board) issued an explanatory material through
melalui siaran pers atas persyaratan a press release regarding attribution of benefits
pengatribusian imbalan pada periode jasa to periods of service in accordance with
sesuai PSAK No. 24: Imbalan Kerja yang PSAK No. 24: Imbalan Kerja which was
diadopsi dari IAS 19 Employee Benefits. Materi adopted from IAS 19 Employee Benefits. The
penjelasan tersebut menyampaikan informasi explanatory material conveyed the information
bahwa pola fakta umum dari program pensiun that the fact pattern of the pension program
berbasis undang-undang ketenagakerjaan based on the Labor Law currently enacted in
yang berlaku di Indonesia saat ini memiliki pola Indonesia is similar to those responded and
fakta serupa dengan yang ditanggapi dan concluded in the IFRS Intepretation Committee
disimpulkan dalam IFRS Intepretation (IFRIC) Agenda Decision Attributing Benefit to
Committee (“IFRIC”) Agenda Decision Periods of Service (IAS 19). The Company has
Attributing Benefit to Periods of Service (IAS adopted the said explanatory material and
19). Perusahaan telah menerapkan materi accordingly changed its accounting policy
penjelasan tersebut dan dengan demikian regarding attribution of benefits to periods of
merubah kebijakan akuntansi menyangkut service previously applied in the consolidated
atribusi imbalan kerja pada periode jasa dari financial statements of the Company as of
kebijakan yang diterapkan sebelumnya pada December 31, 2021 and for the year then
laporan keuangan konsolidasian Perusahaan ended.
pada tanggal 31 Desember 2021 dan untuk
tahun yang berakhir pada tanggal tersebut.
41
Page 757
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
r. Liabilitas imbalan kerja (lanjutan) r. Employee benefit liabilities (continued)
Kewajiban pensiun (lanjutan) Pension obligation (continued)
Sehubungan dengan program imbalan pasti, In relation of defined benefit programs, the
liabilitas diakui pada laporan posisi keuangan liability recognised in the consolidated
konsolidasian sebesar nilai kini kewajiban statement of financial position is the present
imbalan pasti pada akhir periode pelaporan value of the defined benefit obligation at the end
dikurangi nilai wajar aset program. Kewajiban of the reporting period less the fair value of plan
imbalan pasti dihitung setiap tahun oleh assets. The defined benefit obligation is
aktuaris yang independen dengan calculated annually by independent actuaries
menggunakan metode projected unit credit. using the projected unit credit method. The
Nilai kini kewajiban imbalan pasti ditentukan present value of the defined benefit obligation
dengan mendiskontokan arus kas keluar yang is determined by discounting the estimated
diestimasi dengan menggunakan tingkat bunga future cash outflows using interest rates of
obligasi yang didenominasikan dalam mata government bonds that are denominated in the
uang dimana imbalan akan dibayarkan dan currency in which the benefits will be paid, and
memiliki jangka waktu jatuh tempo mendekati that have terms to maturity approximating to the
jangka waktu kewajiban pensiun. terms of the related pension obligation.
Biaya bunga bersih dihitung dengan Net interest expenses are calculated using
menerapkan tingkat diskonto terhadap saldo discount rate for defined benefit programs and
bersih kewajiban imbalan pasti dan nilai wajar fair value of plan assets. This expense
aset program. Biaya ini diakui sebagai beban recognised as employee benefit expenses in
imbalan kerja dalam laporan laba rugi the consolidated profit or loss.
konsolidasian.
Keuntungan dan kerugian atas pengukuran Remeasurement gains and loses arising from
kembali yang timbul dari penyesuaian dan experience adjustments and changes in
perubahan dalam asumsi-asumsi aktuarial actuarial assumptions are charged or credited
langsung diakui seluruhnya melalui pendapatan to other comprehensive income in the period in
komprehensif lainnya pada saat terjadinya. which they arise. They are included in retained
Keuntungan dan kerugian ini termasuk di dalam earnings in the consolidated statement of
laba ditahan pada laporan perubahan ekuitas changes in equity and in the consolidated
konsolidasian dan pada laporan posisi statement of financial position.
keuangan konsolidasian.
Perubahan nilai kini atas kewajiban imbalan Changes in the present value of the defined
pasti yang timbul dari amandemen rencana benefit obligation resulting from plan
atau pembatasan langsung diakui dalam amendments or curtailments are recognised
laporan laba rugi konsolidasian sebagai biaya immediately in a consolidated profit or loss as
jasa lalu. past service costs.
Untuk program iuran pasti, Perusahaan For defined benefit obligation, the Company
membayar iuran program pensiun baik karena pays contributions to pension plans on a
diwajibkan, berdasarkan kontrak atau sukarela. mandatory, contractual or voluntary basis.
Namun karena Undang-Undang However, since Labour Law No. 13 of 2003
Ketenagakerjaan No. 13 tahun 2003 requires an entity to pay to a worker entering
mengharuskan entitas membayar jumlah into pension age a certain amount based on,
tertentu kepada para pekerja yang telah the worker’s length of service, the Group is
memasuki usia pensiun yang ditentukan exposed to the possibility of having to make
berdasarkan masa kerja, Grup rentan terhadap further payments to reach that certain amount
kemungkinan untuk membayar kekurangan in particular when the cumulative contributions
apabila iuran kumulatif kurang dari jumlah are less than that amount. Consequently for
tertentu. Sebagai akibatnya untuk tujuan financial reporting purposes, defined
pelaporan keuangan, program iuran pasti contribution plans are effectively treated as if
secara efektif diberlakukan seolah-olah sebagai they were defined benefit plans.
program imbalan pasti.
42
Page 758
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
r. Liabilitas imbalan kerja (lanjutan) r. Employee benefit liabilities (continued)
Kewajiban pasca kerja dan imbalan kerja Other post employement benefit and other long
jangka panjang lainnya term employee benefit
Perusahaan memberikan imbalan pasca kerja The Company provides other post employment
dalam bentuk program santunan dan benefit in the form of death compensation and
penghargaan pensiun serta program masa rewards program and also pension preparation
persiapan pensiun. Perusahaan juga period program. The Company also provide
memberikan imbalan kerja jangka panjang other long-term employee benefits in the form
lainnya dalam bentuk cuti besar dan of long leave and tenure awards. The expected
penghargaan masa kerja. Biaya yang costs of these benefits are accrued over the
diharapkan timbul atas imbalan ini diakru period of employment using projected unit
selama masa kerja dengan menggunakan credit method. These obligations are valued
metode projected unit credit. Kewajiban ini annually by independent qualified actuaries.
dinilai setiap tahun oleh aktuaris independen
yang memenuhi syarat.
Pesangon pemutusan kontrak kerja Termination benefits
Pesangon pemutusan kontrak kerja terutang Termination benefits are payable when
ketika Perusahaan memberhentikan hubungan employment is terminated by the Company
kerja sebelum usia pensiun normal, atau ketika before the normal retirement date, or whenever
seorang pekerja menerima penawaran an employee accepts voluntary redundancy in
mengundurkan diri secara sukarela dengan exchange for these benefits. The Company
kompensasi imbalan pesangon. Perusahaan recognises termination benefits at the earlier of
mengakui pesangon pemutusan kontrak kerja the following dates: (i) when the Company can
pada tanggal yang lebih awal antara (i) ketika no longer withdraw the offer of those benefits;
Grup tidak dapat lagi menarik tawaran atas and (ii) when the entity recognises costs for a
imbalan tersebut dan (ii) ketika Perusahaan restructuring that is within the scope of
mengakui biaya untuk restrukturisasi yang SFAS No. 57 and involves the payment of
berada dalam ruang lingkup PSAK No. 57 dan termination benefits. In the case of an offer
melibatkan pembayaran pesangon. Dalam hal made to encourage voluntary redundancy, the
menyediakan pesangon sebagai penawaran termination benefits are measured based on
untuk mengundurkan diri secara sukarela, the number of employees expected to accept
pesangon pemutusan kontrak kerja diukur the offer. Benefits due date more than 12
berdasarkan jumlah karyawan yang diharapkan months after the reporting date are discounted
menerima penawaran tersebut. Imbalan yang to their present value.
jatuh tempo lebih dari 12 bulan setelah periode
pelaporan didiskontokan menjadi nilai kininya.
s. Surat berharga yang diterbitkan s. Securities issued
Obligasi dan Surat Berharga Komersial yang Bonds and Commercial Securities Issued are
diterbitkan diklasifikasikan dalam kategori classified as financial liabilities measured at
liabilitas keuangan diukur pada biaya perolehan amortised costs. Recognition, initial
diamortisasi. Pengakuan, pengukuran awal, measurement, subsequent measurement, fair
pengukuran setelah pengakuan awal, value and derecognition are referred in Note 2d
penentuan nilai wajar dan penghentian related to financial liabilities.
pengakuan mengacu pada Catatan 2d terkait
liabilitas keuangan.
Surat Berharga Komersial adalah surat Commercial Securities are promissory notes
sanggup dan berjangka waktu sampai dengan and have a maturity of up to 1 (one) year
1 (satu) tahun yang terdaftar di Bank Indonesia. registered at Bank Indonesia.
43
Page 759
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
s. Surat berharga yang diterbitkan (lanjutan) s. Securities issued (continued)
Surat Berharga Komersial menggunakan Commercial Securities use discounted system
sistem diskonto dimana bunga/kupon akan where interest/coupon will be paid upfront
dibayar di muka yang kemudian akan which wil then be amortised over the tenor.
diamortisasi sepanjang tenor. Biaya transaksi Transaction costs incurred at the time of
yang dikeluarkan saat penerbitan akan issuance will be amortised over the tenor along
diamortisasi sepanjang tenor bersamaan with the interest/coupons.
dengan bunga/kupon.
Efek syariah berupa Medium Term Note Sharia securities in the form of Sharia Medium
Syariah diklasifikasikan sebagai sukuk Term Note are classified as sukuk mudharabah,
mudharabah, diakui sebesar nilai nominal, it is recognised at nominal value, transaction
biaya transaksi diakui secara terpisah dari costs are recognised separately from
sukuk mudharabah. mudharabah sukuk.
Perusahaan pada awalnya mengakui sukuk The Company initially recognises mudharabah
mudharabah pada saat sukuk mudharabah bonds on the date of issuance of mudharabah
diterbitkan sebesar nominalnya. bonds at the nominal amount.
Setelah pengakuan awal, sukuk mudharabah Subsequent to initial recognition, mudharabah
dicatat pada biaya perolehan. bonds are measured at cost.
Biaya transaksi sehubungan dengan Transaction cost related to the issuance of
penerbitan sukuk mudharabah diakui secara mudharabah bonds are recognised separately
terpisah dari sukuk mudharabah. Biaya from mudharabah bonds. Transaction cost are
transaksi diamortisasi menggunakan metode amortised over the term of mudharabah bonds
garis lurus selama jangka waktu sukuk using straight-line method and are recorded as
mudharabah dan dicatat sebagai bagian dari part of financing charges.
beban bunga.
Sukuk mudharabah disajikan sebagai bagian Mudharabah bonds are presented as a part of
dari liabilitas dan biaya transaksi sehubungan liabilities and the transaction cost related to the
penerbitan sukuk mudharabah disajikan dalam issuance of mudharabah bonds are presented
aset sebagai beban dibayar di muka. on assets as a part of prepaid expenses.
t. Pajak penghasilan kini dan tangguhan t. Current and deferred income tax
Beban pajak terdiri dari pajak kini dan pajak The tax expense comprises current and
tangguhan. Pajak diakui dalam laporan laba deferred tax. Tax is recognised in the profit or
rugi, kecuali jika pajak tersebut terkait dengan loss, except to the extent that it relates to items
transaksi atau kejadian yang diakui di recognised in other comprehensive income.
pendapatan komprehensif lain.
Beban pajak kini dihitung berdasarkan The current income tax charge is calculated on
peraturan perpajakan yang berlaku pada the basis of the tax laws enacted or
tanggal pelaporan keuangan. Manajemen substantively enacted at the reporting date. The
Perusahaan mengevaluasi secara periodik Company’s Management periodically evaluate
implementasi terhadap peraturan perpajakan the implementation of prevailing tax regulations
yang berlaku terutama yang memerlukan especially those that are subject to further
interpretasi lebih lanjut mengenai interpretation on its implementation, including
pelaksanaannya termasuk juga evaluasi evaluation on tax assessment letters received
terhadap surat ketetapan pajak yang diterima from tax authorities. Where appropriate
dari kantor pajak. Lebih lanjut, Manajemen Management establish provisions based on the
membentuk cadangan, jika dianggap perlu amounts expected to be paid to the tax
berdasarkan jumlah yang diestimasikan akan authorities.
dibayarkan ke otoritas pajak.
44
Page 760
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
t. Pajak penghasilan kini dan tangguhan t. Current and deferred income tax (continued)
(lanjutan)
Pajak penghasilan tangguhan diakui, dengan Deferred income tax is recognised, using the
menggunakan metode liabilitas untuk semua liability method, on temporary differences
perbedaan temporer antara dasar pengenaan arising between the tax bases of assets and
pajak aset dan liabilitas dengan nilai tercatatnya liabilities and their carrying amounts in the
pada laporan keuangan konsolidasian. Pajak consolidated financial statements. Deferred
penghasilan tangguhan ditentukan dengan income tax is determined using tax rates that
menggunakan tarif pajak yang telah berlaku have been enacted or substantially enacted as
atau secara substantif telah berlaku pada akhir at reporting period and is expected to apply
periode pelaporan dan diharapkan diterapkan when the related deferred income tax asset is
ketika aset pajak penghasilan tangguhan realised or the deferred income tax liability is
direalisasi atau liabilitas pajak penghasilan settled.
tangguhan diselesaikan.
Aset pajak penghasilan tangguhan diakui hanya Deferred income tax assets are recognised only
jika besar kemungkinan jumlah penghasilan to the extent that it is probable that future
kena pajak di masa depan akan memadai untuk taxable profit will be available against which the
dikompensasi dengan perbedaan temporer temporary differences can be utilised.
yang masih dapat dimanfaatkan.
Aset dan liabilitas pajak penghasilan tangguhan Deferred income tax assets and liabilities are
dapat saling hapus apabila terdapat hak yang offset when there is a legally enforceable right
berkekuatan hukum untuk melakukan saling to offset current tax assets against current tax
hapus antara aset pajak kini dengan liabilitas liabilities and when the deferred income taxes
pajak kini dan apabila aset dan liabilitas pajak assets and liabilities related to income taxes
penghasilan tangguhan dikenakan oleh otoritas levied by the same taxation authority on either
perpajakan yang sama, baik atas entitas kena the same taxable entity or different taxable
pajak yang sama ataupun berbeda dan adanya entities where there is an intention to settle the
niat untuk melakukan penyelesaian saldo-saldo balances on a net basis.
tersebut secara neto.
Koreksi atas liabilitas pajak diakui pada saat Correction to taxation obligations are recorded
surat ketetapan pajak diterima, atau apabila when an assessment is received or, if appealed
diajukan keberatan dan/atau banding, maka against, when the result of the appeal is
koreksi diakui pada saat keputusan atas determined. Management provide provision for
keberatan dan/atau banding tersebut diterima. future tax liability at the amount that will be
Manajemen juga dapat membentuk payable to the tax office on probable tax
pencadangan terhadap liabilitas pajak di masa exposure, based on assessment as at the date
depan sebesar jumlah yang diestimasikan akan of statement of financial position. Assumption
dibayarkan ke kantor pajak jika berdasarkan and estimation used in the provisioning
evaluasi pada tanggal laporan posisi keuangan calculation may involve element of uncertainty.
terdapat risiko pajak yang probable. Asumsi dan
estimasi yang digunakan dalam perhitungan
pembentukan cadangan tersebut memiliki unsur
ketidakpastian.
u. Pendapatan diterima di muka u. Unearned revenue
Pendapatan diterima di muka merupakan Unearned revenue are revenue which consist of
pendapatan yang terdiri dari pendapatan sewa rental building revenue, deposit from gold
bangunan, pengelolaan rekening tabungan savings account, mulia margin, and other
emas, marjin atas mulia, dan pendapatan unearned revenue.
lainnya.
45
Page 761
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
v. Pengakuan pendapatan dan beban v. Revenue and expenses recognition
Pendapatan sewa modal dan administrasi Interest and administration income recognised
diakui sesuai dengan PSAK No. 71 (lihat according to SFAS No. 71 (see Note 2d). For
Catatan 2d). Untuk pendapatan lainnya, Grup other income, Group adopted SFAS No. 72,
menerapkan PSAK No. 72, “Pendapatan dari “Revenue from Contract with Customer” which
Kontrak dengan Pelanggan”, yang identifies the circumstances in which the criteria
mengidentifikasi terpenuhinya kriteria on revenue recognition will be met and,
pengakuan pendapatan, sehingga pendapatan therefore, revenue may be recognised, and
dapat diakui, dan mengatur perlakuan prescribes the accounting treatment of revenue
akuntansi atas pendapatan yang timbul dari arising from certain types of transactions and
transaksi dan kejadian tertentu, serta events, and also provides practical guidance on
memberikan panduan praktis dalam penerapan the application of the criteria on revenue
kriteria mengenai pengakuan pendapatan. recognition.
Pendapatan sewa modal Interest income
Pendapatan sewa modal untuk instrumen Interest income from interest bearing financial
keuangan yang menghasilkan bunga diakui instrument is recognised in consolidated profit
pada laporan laba rugi konsolidasian dengan or loss using effective interest rate method.
menggunakan metode suku bunga efektif.
Untuk usaha gadai (konvensial dan syariah) For pawning business (conventional and
dan pinjaman non-gadai, pendapatan diakui sharia) and non-pawnity loan, revenue is
dengan menggunakan metode akrual. recognised using the accrual method.
Suku bunga efektif adalah suku bunga yang The effective interest rate is the rate that exactly
secara tepat mendiskontokan estimasi discounts estimated cash payments or receipts
pembayaran atau penerimaan kas di masa through the expected future life of the financial
datang selama perkiraan umur dari aset asset or financial liability (or, if more
keuangan atau liabilitas keuangan (atau, jika appropriate, use a shorter period) to the net
lebih tepat, digunakan periode yang lebih carrying amount of the financial asset or liability.
singkat) untuk memperoleh nilai tercatat bersih When calculating the effective interest rate, the
dari aset keuangan atau liabilitas keuangan. Company estimates future cash flows, by
Pada saat menghitung suku bunga efektif, considering all contractual terms of the financial
Perusahaan mengestimasi arus kas di masa instrument, but does not consider future credit
datang dengan mempertimbangkan seluruh losses. This calculation includes all
persyaratan kontraktual dalam instrumen administrative income received by the
keuangan tersebut, tetapi tidak Company as credit requirements.
mempertimbangkan kerugian kredit di masa
mendatang. Perhitungan ini mencakup seluruh
pendapatan administrasi yang diterima oleh
Perusahaan sebagai persyaratan kredit.
Pendapatan sewa modal atas aset keuangan Interest on the impaired financial assets
yang mengalami penurunan nilai tetap diakui continue to be recognised using the interest
atas dasar suku bunga yang digunakan untuk rate used to discount the future cash flow for the
mendiskonto arus kas masa datang dalam purpose of measuring the impairment losses.
pengukuran kerugian penurunan nilai.
46
Page 762
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
v. Pengakuan pendapatan dan beban v. Revenue and expenses recognition
(lanjutan) (continued)
Pendapatan administrasi Administration income
Pendapatan administrasi seluruh instrumen Interest income from interest bearing financial
keuangan yang menghasilkan bunga (produk instrument (Kreasi, Krasida, Kresna, Arrum,
Kreasi, Krasida, Kresna, Arrum, Amanah, Rahn Amanah, Rahn Tasjily Tanah, and Mulia
Tasjily Tanah, dan Mulia) yang berkaitan product) directly related to the activities of a
langsung dengan kegiatan pinjaman loan are amortised over the contract period
diamortisasi sesuai dengan jangka waktu using the effective interest method and are
kontrak menggunakan metode suku bunga classified as part of interest income in the
efektif dan diklasifikasikan sebagai bagian dari consolidated profit or loss.
pendapatan sewa modal pada laporan laba rugi
konsolidasian.
Dalam menentukan pengakuan pendapatan, In determining revenue recognition, the Group
Grup melakukan analisa transaksi melalui lima perform analysis transaction through the
langkah analisa berikut: following five steps of assessment:
1. Mengindentifikasi kontrak dengan 1. Identify contracts with customers with
pelanggan, dengan kriteria sebagai certain criteria as follows:
berikut:
- Kontrak telah disetujui oleh pihak- - The contract has been agreed by the
pihak terkait dalam kontrak parties involved in the contract
- Grup bisa mengidentifikasi hak dari - The Group can identify the rights of
pihak-pihak terkait dan jangka waktu relevant parties and the term of
pembayaran dari barang atau jasa payment for the goods or services to
yang akan dialihkan be transferred
- Kontrak memiliki substansi komersial - The contract has commercial
substance
- Besar kemungkinan entitas akan - It is probable that the Group will
menerima imbalan atas barang atau receive benefits for the goods or
jasa yang dialihkan services transferred
2. Mengidentifikasi kewajiban pelaksanaan 2. Identify the performance obligations in the
dalam kontrak, untuk menyerahkan barang contract, to transfer distinctive goods or
atau jasa yang memiliki karakteristik yang services to the customer.
berbeda ke pelanggan.
3. Menentukan harga transaksi, setelah 3. Determine the transaction price, net of
dikurangi diskon, retur, insentif penjualan discounts, returns, sales incentives and
dan pajak pertambahan nilai, yang berhak value added tax, which an entity expects to
diperoleh suatu entitas sebagai be entitled in exchange for transferring
kompensasi atas diserahkannya barang promised goods or services to a customer.
atau jasa yang dijanjikan ke pelanggan.
4. Mengalokasikan harga transaksi kepada 4. Allocate the transaction price to each
setiap kewajiban pelaksanaan dengan performance obligation on the basis of the
menggunakan dasar harga jual dari setiap selling prices of each goods or services
barang atau jasa yang dijanjikan di kontrak. promised in the contract.
5. Mengakui pendapatan ketika kewajiban 5. Recognise revenue when performance
pelaksanaan telah dipenuhi (sepanjang obligation is satisfied (over time or at a
waktu atau pada suatu waktu tertentu). point in time).
47
Page 763
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
v. Pengakuan pendapatan dan beban v. Revenue and expenses recognition
(lanjutan) (continued)
Pendapatan administrasi (lanjutan) Administration income (continued)
Kewajiban pelaksanaan dapat dipenuhi dengan A performance obligation may be satisfied at
cara sebagai berikut: the following:
- Suatu titik waktu (umumnya janji untuk - A point in time (typically for promises to
menyerahkan barang ke pelanggan); atau transfer goods to a customer); or
- Suatu periode waktu (umumnya janji untuk - Over time (typically for promises to transfer
menyerahkan jasa ke pelanggan). Untuk services to a customer). For
kewajiban pelaksanaan yang dipenuhi a performance obligation satisfied over
dalam suatu periode waktu, Grup memilih time, the Group selects an appropriate
ukuran penyelesaian yang sesuai untuk measure of progress to determine the
penentuan jumlah pendapatan yang harus amount of revenue that should be
diakui karena telah terpenuhinya recognised as the performance obligation
kewajiban pelaksanaan. is satisfied.
Suatu kewajiban kinerja dipenuhi pada suatu A performance obligation is satisfied at a point
titik waktu kecuali jika memenuhi salah satu in time unless it meets one of the following
kriteria berikut, dalam hal ini dipenuhi dari waktu criteria, in which case it is satisfied over time:
ke waktu:
- Pelanggan secara bersamaan menerima - The customer simultaneously receives and
dan menggunakan manfaat yang consumes the benefits provided;
diberikan;
- Kinerja Grup menciptakan atau - The Group’s performance creates or
meningkatkan aset yang dikendalikan enhances an asset that the customer
pelanggan saat aset itu dibuat atau controls as the asset is created or
ditingkatkan; dan enhanced; and
- Kinerja Grup tidak menciptakan aset - The Group’s performance does not create
dengan penggunaan alternatif untuk Grup an asset with an alternative use to the
dan Grup memiliki hak yang dapat Group and the Group has an enforceable
diberlakukan atas pembayaran untuk right to payment for performance
kinerja yang diselesaikan hingga saat ini. completed to date.
Pendapatan penjualan emas Revenue from gold sold
Pendapatan dari penjualan emas diakui pada Revenue from the sale of gold is recognised
saat pengendalian atas barang telah berpindah when the control of goods has been transferred
kepada pelanggan. Pendapatan bisnis emas to the customer. Revenue on gold business is
juga diakui ketika suatu produk telah also recognised when the product delivered to
diserahkan kepada pelanggan atau memenuhi customers or it has met the criteria of “bill and
skema “penjualan ketika pengiriman ditunda”. hold” scheme. Revenue from the rendering of
Pendapatan jasa diakui pada saat pelanggan service is recognised when the customer has
menerima dan mengkonsumsi manfaat dari received and consumed benefit from the
jasa tersebut. Pendapatan disajikan neto services. Revenue is shown net of value added
setelah dikurangi pajak pertambahan nilai, tax, returns, rebates and discounts.
retur, potongan harga dan diskon.
Tidak terdapat kebijakan untuk menjual produk- There is no policy to sell its products to the retail
produknya kepada pelanggan ritel dengan hak customer with right to return it.
retur.
48
Page 764
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
v. Pengakuan pendapatan dan beban v. Revenue and expenses recognition
(lanjutan) (continued)
Pendapatan usaha lainnya Other business income
Pendapatan sewa gedung yang diterima di Unearned income of building rental are
muka dan yang ditangguhkan diamortisasi amortised over the rental period using the
sesuai dengan periode sewa dengan straight-line method. Revenue on hotel services
menggunakan metode garis lurus. Pendapatan and other services is recognised when
atas jasa perhotelan dan jasa lainnya diakui delivered to customers.
pada saat jasa diserahkan kepada pelanggan.
Beban Expenses
Beban diakui pada saat terjadinya berdasarkan Expenses are recognised as incurred on an
metode akrual. accrual basis.
w. Penurunan nilai aset non-keuangan w. Impairment of non-financial asset
Grup menelaah ada atau tidaknya indikasi The Group examines whether there is any
penurunan nilai aset non-keuangan pada indication of impairment of the non-financial
tanggal laporan posisi keuangan konsolidasian assets on the consolidated statement of
dan kemungkinan penyesuaian ke nilai yang financial position date and the possible
dapat diperoleh kembali apabila terdapat adjustments to the recoverable value if there
keadaan yang mengindikasikan penurunan nilai are circumstances that indicate such
tersebut. Nilai aset yang dapat diperoleh impairment. The value of assets that can be
kembali dihitung berdasarkan nilai pakai atau recovered is calculated based on the value in
harga jual neto, mana yang lebih tinggi. use or net selling price, whichever is higher.
Kerugian penurunan nilai diakui jika nilai Impairment loss is recognised if the carrying
tercatat aset melebihi nilai yang dapat diperoleh amount of the asset exceeds its recoverable
kembali. Di lain pihak, pemulihan penurunan value. On the other hand, a reversal of
nilai diakui apabila terdapat indikasi bahwa impairment is recognised when there is an
penurunan nilai tersebut tidak lagi terjadi. indication that the impairment is no longer the
Penurunan/(pemulihan) nilai aset diakui case. Impairment/(recovery) on the value of the
sebagai beban/(pendapatan) pada laporan laba asset is recognised as an expense/(income) in
rugi konsolidasian periode berjalan. the current period consolidated profit or loss.
x. Pelaporan segmen x. Segment reporting
Grup menerapkan PSAK No. 5, “Segmen The Group adopted SFAS No. 5, "Operating
Operasi”. PSAK ini mengatur pengungkapan Segments". This SFAS regulates disclosures
yang memungkinkan pengguna laporan that allow the users of financial statements to
keuangan untuk mengevaluasi sifat dan evaluate the nature and financial effects of the
dampak keuangan dari aktivitas bisnis dan business activities in where the entity operates.
dimana entitas beroperasi.
49
Page 765
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
x. Pelaporan segmen (lanjutan) x. Segment reporting (continued)
Segmen operasi adalah suatu komponen dari An operating segment is a component of the
Grup: Group:
i. yang terlibat dalam aktivitas bisnis yang i. that engages in business activities from
memperoleh pendapatan dan which it may earn revenues and incur
menimbulkan beban (termasuk expenses (including revenues and
pendapatan dan beban yang terkait expenses relating to transactions with
dengan transaksi dengan komponen lain other components of the same Group);
dari Grup yang sama);
ii. hasil operasinya dikaji ulang secara ii. whose operating results are reviewed
berkala oleh pengambil keputusan regularly by the Group’s chief operating
operasional Grup untuk pembuatan decision maker to make decisions about
keputusan tentang sumber daya yang resources allocated to the segment and
dialokasikan pada segmen tersebut dan assess its performance; and
menilai kinerjanya; dan
iii. tersedia informasi keuangan yang dapat iii. for which discrete financial information is
dipisahkan. available.
Segmen operasi Grup saat ini didasarkan pada The Group's operating segments are currently
segmen berikut: based on the following segments:
1. Segmen usaha yang berdasarkan 1. A business segment based on the financial
kemampuan informasi keuangan yang information capability possessed can be
dimiliki dapat dijabarkan sebagai usaha described as a conventional business and
konvensional dan usaha syariah; dan sharia business; and
2. Segmen geografis yang berdasarkan 2. Geographic segments that are based on
kemampuan informasi keuangan yang their financial information ability can be
dimiliki dapat dijabarkan sesuai lokasi translated according to geographic
geografis. location.
y. Laba per saham dasar/dilusian y. Basic/diluted earnings per share
Laba per saham dasar dihitung sesuai dengan Basic earnings per share are computed in
PSAK No. 56: “Laba Per Saham”. accordance with SFAS No. 56: “Earnings Per
Share”.
Laba bersih per saham dasar dihitung dengan Basic earnings per share are calculated by
membagi laba bersih yang dapat diatribusikan dividing net profit attributable to the owner of the
kepada pemilik entitas induk dengan jumlah parent by the weighted-average number of
rata-rata tertimbang saham biasa yang beredar ordinary shares outstanding during the year.
pada tahun berjalan.
Laba per saham dilusian dihitung dengan Diluted earnings per share is calculated by
menyesuaikan jumlah rata-rata tertimbang adjusting the weighted average number of
saham biasa yang beredar dengan dampak dari ordinary shares outstanding to assume
semua efek berpotensi saham biasa yang dilutif conversion of all dilutive potential ordinary
yang dimiliki Perusahaan, yaitu obligasi shares owned by the Company, which are
konversi dan opsi saham. convertible bonds and stock option.
50
Page 766
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN 2. SIGNIFICANT ACCOUNTING POLICIES
(lanjutan) (continued)
z. Transaksi dengan pihak berelasi z. Transactions with related parties
Perusahaan melakukan transaksi dengan The Company entered into transactions with
pihak-pihak berelasi sebagaimana didefinisikan related parties as defined in SFAS No. 7
dalam PSAK No. 7 “Pengungkapan Pihak- "Related Party Disclosures". This transaction is
Pihak Berelasi”. Transaksi ini dilakukan based on the terms agreed by both parties,
berdasarkan persyaratan yang disetujui oleh where these requirements may not be the same
kedua belah pihak, dimana persyaratan as other transactions conducted with unrelated
tersebut mungkin tidak sama dengan transaksi parties. All significant transactions and
lain yang dilakukan dengan pihak-pihak tidak balances with related parties are disclosed in
berelasi. Seluruh transaksi dan saldo yang the notes to the consolidated financial
signifikan dengan pihak-pihak berelasi statements.
diungkapkan dalam catatan atas laporan
keuangan konsolidasian.
Pihak berelasi adalah orang atau entitas yang A related party is an individual or entity related
terkait dengan Perusahaan yang memenuhi with the Company that meets the following
persyaratan berikut: requirements:
a) Orang atau anggota keluarga terdekat a) Person or immediate family member has a
mempunyai relasi dengan Perusahaan jika: relationship with the Company if:
i. memiliki pengendalian atau i. has control or joint control over the
Pengendalian bersama atas Company;
Perusahaan;
ii. memiliki pengaruh signifikan atas ii. has significant influence over the
Perusahaan; atau Company; or
iii. personil manajemen kunci iii. is a key management personnel of the
Perusahaan atau induk Perusahaan Company or its parent.
b) Suatu entitas berelasi dengan Perusahaan b) An entity is related with the Company if:
jika:
i. entitas dan Perusahaan adalah i. the entity and the Company are
anggota dari grup yang sama; members of the same business group;
ii. entitas adalah entitas asosiasi atau ii. the entity is an associate or joint
ventura bersama dari entitas lain; venture of another entity;
iii. kedua entitas tersebut adalah ventura iii. both entities are joint ventures of the
bersama dari pihak ketiga yang sama; same third party;
iv. entitas adalah ventura bersama dari iv. the entity is a joint venture of a third
entitas ketiga dan entitas yang lain entity and the other entity is an
adalah entitas asosiasi dari entitas associate entity of the third entity;
ketiga;
v. entitas tersebut adalah suatu program v. the entity is a post-employment benefit
imbalan pasca kerja; plan;
vi. entitas yang dikendalikan atau vi. the entity is controlled or jointly
dikendalikan bersama oleh orang yang controlled by person identified in point
diidentifikasi dalam huruf (a); atau (a); or
vii. orang yang diidentifikasi dalam huruf vii. the person identified in (a) (i) has
(a) (i) memiliki pengaruh signifikan significant influence over the entity or
atas entitas atau personil manajemen the key management personnel of the
kunci entitas. entity.
Seluruh transaksi dan saldo yang material All significant transactions and balances with
dengan pihak-pihak berelasi diungkapkan related parties are disclosed in Note 37.
dalam Catatan 37.
51
Page 767
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. ESTIMASI DAN PERTIMBANGAN AKUNTANSI 3. CRITICAL ACCOUNTING ESTIMATES AND
YANG PENTING JUDGEMENT
Beberapa estimasi dan asumsi dibuat dalam rangka Certain estimates and assumption are made in the
penyusunan laporan keuangan dimana dibutuhkan preparation of the financial statements. These often
pertimbangan Manajemen dalam menentukan require Management judgement in determining the
metodologi yang tepat untuk penilaian aset dan appropriate methodology for valuation of assets and
liabilitas. liabilities.
Sumber utama ketidakpastian estimasi Key sources of estimation uncertainty
Grup membuat estimasi dan asumsi mengenai The Group makes estimates and assumptions
masa depan. Estimasi akuntansi yang dihasilkan, concerning the future. The resulting accounting
menurut definisi, akan jarang sekali sama dengan estimates, by definition, seldom equal to the actual
hasil aktualnya. Estimasi dan asumsi yang secara results. The estimates and assumptions that have a
signifikan berisiko menyebabkan penyesuaian significant risk of causing a material adjustment to
material terhadap jumlah tercatat aset dan liabilitas the carrying amounts of assets and liabilities within
selama 12 bulan ke depan dipaparkan di bawah ini. the next 12 months are addressed below.
a. Imbalan pensiun a. Pension benefits
Nilai kini kewajiban pensiun tergantung pada The present value of the pension obligations
beberapa faktor yang ditentukan dengan dasar depends on a number of factors that are
aktuarial berdasarkan beberapa asumsi. determined on an actuarial basis using
Asumsi yang digunakan untuk menentukan a number of assumptions. The assumptions
biaya/(penghasilan) pensiun neto mencakup used in determining the net cost/(income) for
tingkat diskonto dan kenaikan gaji di masa pensions include the discount rate and future
datang. Adanya perubahan pada asumsi ini salary increase. Any changes in these
akan mempengaruhi jumlah tercatat kewajiban assumptions will have an impact on the carrying
pensiun. amount of pension obligations.
Grup menentukan tingkat diskonto dan The Group determines the appropriate discount
kenaikan gaji masa datang yang sesuai pada rate and future salary increase at the end of
akhir periode pelaporan. Tingkat diskonto each reporting period. The discount rate is
adalah tingkat suku bunga yang harus interest rate that should be used to determine
digunakan untuk menentukan nilai kini atas the present value of estimated future cash
estimasi arus kas keluar masa depan yang outflows expected to be required to settle the
diharapkan untuk menyelesaikan kewajiban pension obligations. In determining the
pensiun. Dalam menentukan tingkat suku appropriate discount rate, the Group considers
bunga yang sesuai, Grup mempertimbangkan the interest rates of government bonds that are
tingkat suku bunga obligasi pemerintah yang denominated in the currency in which the
didenominasikan dalam mata uang imbalan benefits will be paid and that have terms to
akan dibayar dan memiliki jangka waktu yang maturity approximating the terms of the related
serupa dengan jangka waktu kewajiban pension obligation.
pensiun yang terkait.
Asumsi kunci kewajiban pensiun lainnya Other key assumptions for pension obligations
sebagian ditentukan berdasarkan kondisi pasar are based in part on current market conditions.
saat ini. Informasi tambahan diungkapkan pada Additional information is disclosed in Note 22.
Catatan 22.
52
Page 768
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. ESTIMASI DAN PERTIMBANGAN AKUNTANSI 3. CRITICAL ACCOUNTING ESTIMATES AND
YANG PENTING (lanjutan) JUDGEMENT (continued)
Sumber utama ketidakpastian estimasi Key sources of estimation uncertainty
(lanjutan) (continued)
b. Revaluasi dan penyusutan aset tetap dan b. Revaluation and depreciation of fixed assets
properti investasi and investment properties
(i) Revaluasi (i) Revaluation
Grup menerapkan model revaluasi untuk The Group implemented a revaluation
pengukuran selanjutnya atas aset tetap model for further measurement of land and
berupa tanah dan bangunan serta properti building of fixed assets and investment
investasi. Sesuai dengan kebijakan Grup, properties. In accordance with the Group’s
revaluasi dilakukan secara reguler setiap policy, revaluations are made regularly
tiga tahun untuk aset tetap berupa tanah every three years for land and building in
dan bangunan dan satu tahun untuk form of fixed assets and one year for
properti investasi oleh KJPP independen, investment properties by independent
dengan pendekatan nilai pasar atau biaya valuers, using the market value or
penggantian, atau penghasilan dan replacement cost, or income approaches
menggunakan asumsi-asumsi perhitungan and using fair value assumption
nilai wajar (Lihat Catatan 2i). assumptions (See Note 2i).
(ii) Depresiasi (ii) Depreciation
Grup mengestimasi masa manfaat The Group estimates the useful life of fixed
ekonomis aset tetap antara 4 sampai assets to be within 4 to 20 years. These are
dengan 20 tahun. Ini adalah umur yang common life expectancies applied in the
secara umum diharapkan dalam industri di industries where the Group conducts its
mana Grup menjalankan bisnisnya. business. Changes in the expected level of
Perubahan tingkat pemakaian, renovasi usage, renovation and technological
dan perkembangan teknologi dapat development could impact the economic
mempengaruhi masa manfaat ekonomis useful lives and the residual values of
dan nilai sisa aset, dan karenanya biaya these assets, and therefore future
penyusutan masa depan dapat direvisi. depreciation charges could be revised.
c. Perpajakan c. Taxation
Pertimbangan signifikan dilakukan dalam Significant consideration is made in determining
menentukan provisi atas pajak penghasilan the provision of corporate income tax and other
badan dan pajak lainnya. Terdapat transaksi taxes. There are certain transactions and
dan perhitungan tertentu yang penentuan pajak calculations that the final tax determination is
akhirnya adalah tidak pasti dalam kegiatan uncertain in the normal course of business. The
usaha normal. Grup mengakui liabilitas atas Group recognised liability for corporate income
pajak penghasilan badan pajak lainnya tax and other taxes based on an estimate
berdasarkan estimasi apakah akan terdapat whether there would be an additional corporate
tambahan pajak penghasilan badan dan pajak income tax and other taxes.
lainnya.
53
Page 769
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. ESTIMASI DAN PERTIMBANGAN AKUNTANSI 3. CRITICAL ACCOUNTING ESTIMATES AND
YANG PENTING (lanjutan) JUDGEMENT (continued)
Sumber utama ketidakpastian estimasi Key sources of estimation uncertainty
(lanjutan) (continued)
d. Cadangan kerugian penurunan nilai pinjaman d. Allowance for impairment losses of loans and
yang diberikan dan piutang receivables
Grup menelaah portfolio, untuk menilai apakah The Group assesses the portfolio, whether
terdapat bukti objektif bahwa aset keuangan there is objective evidence that a financial asset
atau kelompok aset keuangan telah mengalami or a group of financial assets is impaired.
penurunan nilai. Cadangan kerugian penurunan A financial asset or a group of financial assets
nilai terjadi hanya jika terdapat bukti objektif is impaired and impairment losses are incurred
bahwa penurunan nilai merupakan akibat dari if and only if there is objective evidence of
satu atau lebih peristiwa yang terjadi setelah impairment as a result of one or more events
pengakuan awal aset (peristiwa kerugian) dan that occurred after the initial recognition of the
peristiwa kerugian (atau peristiwa) tersebut asset (a loss event) and that loss event (or
memiliki dampak pada estimasi arus kas masa events) has an impact on the estimated future
datang atas aset keuangan atau kelompok aset cash flows of the financial asset or group of
keuangan yang dapat diestimasi secara andal. financial assets that can be reliably estimated.
Sesuai dengan PSAK No. 71, pengukuran According to SFAS No. 71, the measurement of
cadangan kerugian penurunan nilai aset the expected credit loss allowance for financial
keuangan yang diukur pada biaya perolehan assets measured at amortised cost and at fair
diamortisasi dan diukur pada nilai wajar melalui value through other comprehensive income is
penghasilan komprehensif lain membutuhkan an area that requires the use of complex
penggunaan model yang kompleks dan asumsi models and significant assumptions about
signifikan terkait future economic conditions future economic conditions and credit behavior.
dan credit behavior.
Estimasi signifikan dibutuhkan dalam Significant estimates are required in applying
menerapkan perhitungan cadangan kerugian the SFAS No. 71 requirements for measuring
penurunan nilai berdasarkan PSAK No. 71, allowance for impairment losses, such as:
antara lain:
a. Menentukan segmentasi kredit a. Determining credit segmentation based on
berdasarkan risiko kredit; credit risk;
b. Menentukan model untuk perhitungan b. Determining the model to calculate
cadangan kerugian penurunan nilai; Estimated Credit Loss (ECL);
c. Definisi gagal bayar; c. Defining default;
d. Identifikasi eksposur kredit pada signifikan d. Identification of credit exposures with
pemburukan atas kualitas kredit; dan significant deterioration in credit quality;
e. Menentukan asumsi yang digunakan pada and
model perhitungan cadangan kerugian e. Determining assumptions used in the
penurunan nilai seperti kredit rating untuk Estimated Credit Loss (ECL) model such
kredit restrukturisasi dan suku bunga efektif as credit rating for restructured credit and
digunakan untuk menghitung nilai kini atas effective interest rate used in calculating
pemulihan kredit, termasuk faktor forward- present value of credit recovery, including
looking macroeconomics. forward-looking macroeconomics factor.
54
Page 770
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
4. KAS DAN SETARA KAS 4. CASH AND CASH EQUIVALENTS
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Kas 61.863 71.324 Cash on hand
Kas pada bank Cash in banks
Pihak berelasi: Related parties:
PT Bank Syariah Indonesia Tbk 63.772 60.937 PT Bank Syariah Indonesia Tbk
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 62.114 51.192 (Persero) Tbk
PT Bank Mandiri (Persero) Tbk 36.580 88.643 PT Bank Mandiri (Persero) Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 17.619 48.547 (Persero) Tbk
PT Bank Tabungan Negara PT Bank Tabungan Negara
(Persero) Tbk 501 176 (Persero) Tbk
Subtotal 180.586 249.495 Subtotal
Pihak ketiga: Third parties:
PT Bank Central Asia Tbk 13.614 23.745 PT Bank Central Asia Tbk
PT Bank Muamalat Indonesia Tbk 1.297 47 PT Bank Muamalat Indonesia Tbk
PT Bank KB Bukopin Tbk PT Bank KB Bukopin Tbk
- Unit Usaha Syariah 1.155 1.102 - Sharia Business Unit
PT Bank Permata Tbk 962 2.369 PT Bank Permata Tbk
PT Bank BTPN Tbk 666 5 PT Bank BTPN Tbk
PT Bank DKI 625 441 PT Bank DKI
PT Bank Mega Syariah 364 11.565 PT Bank Mega Syariah
PT Bank Panin Dubai Syariah Tbk 263 5.787 PT Bank Panin Dubai Syariah Tbk
PT Bank CIMB Niaga Tbk PT Bank CIMB Niaga Tbk
- Unit Usaha Syariah 257 5.780 - Sharia Business Unit
PT Bank OCBC NISP Tbk 210 48 PT Bank OCBC NISP Tbk
PT Bank DKI - Unit Usaha Syariah 156 157 PT Bank DKI - Sharia Business Unit
PT Bank Maybank Indonesia Tbk 137 135 PT Bank Maybank Indonesia Tbk
PT Bank Sinarmas Tbk PT Bank Sinarmas Tbk
- Unit Usaha Syariah 67 1.859 - Sharia Business Unit
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Jawa Barat dan Banten Tbk 20 19 Jawa Barat dan Banten Tbk
PT Bank Danamon Indonesia Tbk 12 13 PT Bank Danamon Indonesia Tbk
PT Bank Woori Saudara Tbk 2 4 PT Bank Woori Saudara Tbk
Bank lainnya di daerah 1.375 4.749 Other banks in the region
Subtotal 21.182 57.825 Subtotal
Deposito berjangka Time Deposit
Pihak berelasi: Related parties:
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk - 106 (Persero) Tbk
Total 263.631 378.750 Total
Tidak terdapat kas dan setara kas dalam mata uang There is no cash and cash equivalents other than
selain Rupiah. Rupiah currency.
Pada tanggal 31 Desember 2023 dan 2022, seluruh As at December 31, 2023 and 2022, the whole cash
kas dalam simpanan (cash in safe) dan kas dalam in safe and cash in transit are insured by the
perjalanan (cash in transit) telah diasuransikan oleh Company to PT BRI Asuransi Indonesia against the
Perusahaan kepada PT BRI Asuransi Indonesia possibility of losses due to robbery or robbery
terhadap kemungkinan terjadinya risiko kerugian attempt with maximum insured coverage is
akibat perampokan atau usaha perampokan dengan amounting to Rp20,000 per year.
nilai pertanggungan maksimal adalah sebesar
Rp20.000 per tahun.
55
Page 771
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
4. KAS DAN SETARA KAS (lanjutan) 4. CASH AND CASH EQUIVALENTS (continued)
Manajemen berpendapat bahwa nilai The Management believe that the insurance
pertanggungan tersebut cukup untuk menutupi coverage is adequate to cover the possibility of
kemungkinan terjadinya risiko kerugian dan losses and Management will evaluate the insurance
Manajemen akan mengkaji ulang nilai coverage at the end of each year.
pertanggungan tersebut setiap akhir tahun.
Manajemen berpendapat bahwa tidak terdapat kas The Management believe that there is no cash and
dan setara kas yang dibatasi penggunaannya cash equivalents which are restricted or pledged as
ataupun dijaminkan sebagai jaminan atas pinjaman collateral for any borrowing as at December 31,
pada tanggal 31 Desember 2023 dan 2022. 2023 and 2022.
Lihat Catatan 37 untuk rincian saldo dan transaksi See Note 37 for the details of balances and
dengan pihak berelasi. transactions with related parties.
5. PINJAMAN YANG DIBERIKAN – BERSIH 5. LOANS - NET
Pinjaman yang diberikan (”PYD”) merupakan saldo Loans represent the balance of loans given to
pinjaman yang diberikan kepada nasabah yang customers, that are classified by type and quality are
diklasifikasikan berdasarkan jenis dan kualitas as follows:
dengan rincian sebagai berikut:
a. Berdasarkan jenis dan kualitas a. Based on type and quality
31 Desember/December 31, 2023
Dalam
perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Jumlah/
Current mentioned Substandard Doubtful Macet/Loss Total
Usaha gadai 52.570.336 2.176.980 25.197 12.490 171.990 54.956.993 Pawn business
Usaha non-gadai 10.618.116 1.355.844 67.750 82.648 210.310 12.334.668 Non-pawn business
Subtotal 63.188.452 3.532.824 92.947 95.138 382.300 67.291.661 Subtotal
Pendapatan yang
belum diamortisasi 281.902 Unamortised revenue
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (3.117.267) impairment losses
Bersih 64.456.296 Net
31 Desember/December 31, 2022
Dalam
perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Jumlah/
Current mentioned Substandard Doubtful Macet/Loss Total
Usaha gadai 49.498.931 1.049.930 34.948 27.298 218.656 50.829.763 Pawn business
Usaha non-gadai 6.390.904 1.136.589 52.669 62.371 313.643 7.956.176 Non-pawn business
Subtotal 55.889.835 2.186.519 87.617 89.669 532.299 58.785.939 Subtotal
Pendapatan yang
belum diamortisasi 266.977 Unamortised revenue
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (3.705.064) impairment losses
Bersih 55.347.852 Net
56
Page 772
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
5. PINJAMAN YANG DIBERIKAN - BERSIH 5. LOANS - NET (continued)
(lanjutan)
a. Berdasarkan jenis dan kualitas (lanjutan) a. Based on type and quality (continued)
Pinjaman yang diberikan (”PYD”) merupakan Loans represent the balance of loans given to
saldo pinjaman yang diberikan kepada nasabah customers, that are classified by type and
yang diklasifikasikan berdasarkan jenis dan quality in conventional and sharia unit are as
kualitas dengan rincian unit konvensional dan follows:
syariah sebagai berikut:
31 Desember/December 31, 2023
Dalam
perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Jumlah/
Current mentioned Substandard Doubtful Macet/Loss Total
Konvensional 50.820.220 2.566.151 45.173 39.966 238.335 53.709.845 Conventional
Syariah 12.368.232 966.673 47.774 55.172 143.965 13.581.816 Sharia
Subtotal 63.188.452 3.532.824 92.947 95.138 382.300 67.291.661 Subtotal
Pendapatan yang
belum diamortisasi 281.902 Unamortised revenue
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (3.117.267) impairment losses
Bersih 64.456.296 Net
31 Desember/December 31, 2022
Dalam
perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Jumlah/
Current mentioned Substandard Doubtful Macet/Loss Total
Konvensional 46.323.372 1.584.222 58.836 54.030 317.423 48.337.883 Conventional
Syariah 9.566.464 602.297 28.781 35.639 214.875 10.448.056 Sharia
Subtotal 55.889.836 2.186.519 87.617 89.669 532.298 58.785.939 Subtotal
Pendapatan yang
belum diamortisasi 266.977 Unamortised revenue
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (3.705.064) impairment losses
Bersih 55.347.852 Net
PYD dengan persyaratan yang dinegosiasi Loans with renegotiated terms are loans that
ulang adalah PYD yang telah direstrukturisasi have been restructured due to concerns about
karena adanya kekhawatiran akan kemampuan the borrower’s ability to meet contractual
nasabah untuk melakukan pembayaran payments when due. COVID-19 restructuring
kontraktual ketika jatuh tempo. Program program was also categorised as restructured
restrukturisasi terkait dengan loans.
COVID-19 dikategorikan sebagai kredit yang
direstrukturisasi.
57
Page 773
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
5. PINJAMAN YANG DIBERIKAN - BERSIH 5. LOANS - NET (continued)
(lanjutan)
a. Berdasarkan jenis dan kualitas (lanjutan) a. Based on type and quality (continued)
Bentuk restrukturisasi kredit adalah sebagai The forms of credit restructuring are as follows:
berikut:
1. Penurunan bunga pinjaman atau imbal 1. Decrease in loan interest or service
jasa/imbal hasil kredit; fees/return on credit;
2. Perpanjangan jangka waktu/penjadwalan 2. Term extension/credit rescheduling;
kembali kredit;
3. Pengurangan tunggakan bunga pinjaman 3. Reduction of arrears on loan interest or
atau imbal jasa/imbal hasil kredit; service fees/return on credit;
4. Penambahan fasilitas kredit; 4. Addition of credit facilities;
5. Konversi kredit menjadi penyertaan modal 5. Conversion of credit into temporary equity
sementara; dan participation; and
6. Pembayaran sejumlah kewajiban bunga 6. Payment of a number of loan interest
pinjaman atau imbal jasa/imbal hasil yang obligations or fees/yields made later.
dilakukan kemudian.
Jumlah pinjaman yang diberikan yang telah The amount of loans whose terms have been
direstrukturisasi pada 31 Desember 2023 dan restructured as at December 31, 2023 and
2022 berdasarkan kolektibilitas adalah sebagai 2022 by collectability grading is as follows:
berikut:
31 Desember/December 31, 2023
Dalam
perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Jumlah/
Current mentioned Substandard Doubtful Macet/Loss Total
Usaha gadai 195 608 - - - 803 Pawn business
Usaha non-gadai 50.390 104.073 20.734 36.680 94.019 305.896 Non-pawn business
Total 50.585 104.681 20.734 36.680 94.019 306.699 Total
31 Desember/December 31, 2022
Dalam
perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Jumlah/
Current mentioned Substandard Doubtful Macet/Loss Total
Usaha gadai 2.370 711 - - - 3.081 Pawn business
Usaha non-gadai 339.081 296.652 26.505 34.119 139.674 836.031 Non-pawn business
Total 341.451 297.363 26.505 34.119 139.674 839.112 Total
58
Page 774
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
5. PINJAMAN YANG DIBERIKAN - BERSIH 5. LOANS - NET (continued)
(lanjutan)
a. Berdasarkan jenis dan kualitas (lanjutan) a. Based on type and quality (continued)
Berikut ini adalah kerugian dari pinjaman yang Below is the loss from restructured loan
direstrukturisasi yang dibebankan pada laporan charged to the consolidated profit or loss for the
laba rugi konsolidasian untuk tahun yang year ended December 31, 2023 and 2022:
berakhir 31 Desember 2023 dan 2022:
31 Desember/December 31, 2023
Kerugian dari
pinjaman yang
direstrukturisasi/
Jumlah pinjaman/ Loss from
Outstanding loan restructured loan
Pinjaman yang direstrukturisasi 306.699 (2.173) Restructured loan
31 Desember/December 31, 2022
Kerugian dari
pinjaman yang
direstrukturisasi/
Jumlah pinjaman/ Loss from
Outstanding loan restructured loan
Pinjaman yang direstrukturisasi 839.112 (32.245) Restructured loan
b. Berdasarkan stage b. Based on stage
Berikut adalah perubahan jumlah pinjaman Below is the loans movement based on stages
yang diberikan yang diberikan berdasarkan as at December 31, 2023 and 2022:
stages pada 31 Desember 2023 dan 2022:
31 Desember/December 31, 2023
Stage 1 Stage 2 Stage 3 Jumlah/Total
Saldo awal 56.550.803 498.401 1.736.735 58.785.939 Beginning balance
Transfer ke kerugian kredit Transfer to lifetime
ekspektasian sepanjang expected credit
umurnya (Stage 2) (6.075.450) 6.121.622 (46.172) - losses (Stage 2)
Transfer ke kredit yang Transfer to
mengalami penurunan credit impaired
nilai (Stage 3) (547.241) (109.974) 657.215 - (Stage 3)
Transfer ke kerugian kredit Transfer to 12 months
ekspektasian 12 bulan expected credit
(Stage 1) 89.374 (37.786) (51.588) - losses (Stage 1)
Perubahan bersih pada
pinjaman 13.170.969 (4.381.834) 109.673 8.898.808 Net change in loans
Penghapusan - - (393.086) (393.086) Written-off
Saldo akhir 63.188.455 2.090.429 2.012.777 67.291.661 Ending balance
59
Page 775
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
5. PINJAMAN YANG DIBERIKAN - BERSIH 5. LOANS - NET (continued)
(lanjutan)
b. Berdasarkan stage (lanjutan) b. Based on stage (continued)
Berikut adalah perubahan jumlah pinjaman Below is the loans movement based on stages
yang diberikan yang diberikan berdasarkan as at December 31, 2023 and 2022:
stages pada 31 Desember 2023 dan 2022:
31 Desember/December 31, 2022
Stage 1 Stage 2 Stage 3 Jumlah/Total
Saldo awal 49.586.916 524.387 2.013.903 52.125.206 Beginning balance
Transfer ke kerugian kredit Transfer to lifetime
ekspektasian sepanjang expected credit
umurnya (Stage 2) (133.589) 136.467 (2.878) - losses (Stage 2)
Transfer ke kredit yang Transfer to
mengalami penurunan credit impaired
nilai (Stage 3) (56.067) (26.295) 82.362 - (Stage 3)
Transfer ke kerugian kredit Transfer to 12 months
ekspektasian 12 bulan expected credit
(Stage 1) 42.192 (36.398) (5.794) - losses (Stage 1)
Perubahan bersih pada
pinjaman 7.111.351 (99.760) (202.217) 6.809.374 Net change in loans
Penghapusan - - (148.641) (148.641) Written-off
Saldo akhir 56.550.803 498.401 1.736.735 58.785.939 Ending balance
Jangka waktu pinjaman yang diberikan Classification of loans based on the terms of
diklasifikasikan berdasarkan periode perjanjian loans agreement is as follows:
pinjaman adalah sebagai berikut:
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
1 Tahun 54.286.667 49.857.559 1 Year
> 1-2 Tahun 4.923.641 3.213.596 > 1-2 Years
> 2 Tahun 8.081.353 5.714.784 > 2 Years
Jumlah 67.291.661 58.785.939 Total
Pendapatan yang belum
diamortisasi 281.902 266.977 Unamortised revenue
Dikurangi: Less:
Cadangan kerugian
penurunan nilai (3.117.267) (3.705.064) Allowance for impairment losses
Bersih 64.456.296 55.347.852 Net
Seluruh pinjaman yang diberikan merupakan All loans are third party transactions and
transaksi dengan pihak ketiga dan denominated in Rupiah currency.
didenominasikan dalam mata uang Rupiah.
Mutasi cadangan kerugian penurunan nilai Movements of allowance for impairment losses
pinjaman yang diberikan adalah sebagai of loans is as follows:
berikut:
2023 2022
Saldo awal 3.705.064 3.458.026 Beginning balance
(Pembalikan) pembentukan
cadangan kerugian penurunan Provision for (reversal of)
nilai (Catatan 33) (587.797) 247.038 impairment losses (Note 33)
Saldo akhir 3.117.267 3.705.064 Ending balance
60
Page 776
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
5. PINJAMAN YANG DIBERIKAN - BERSIH 5. LOANS - NET (continued)
(lanjutan)
b. Berdasarkan stage (lanjutan) b. Based on stage (continued)
Perubahan cadangan kerugian penurunan nilai The movement of allowance for impairment
kredit (“CKPN”) yang diberikan pada losses (“CKPN”) loans as at December 31,
31 Desember 2023 dan 2022 adalah sebagai 2023 and 2022 is as follows:
berikut:
31 Desember/December 31, 2023
Stage 1 Stage 2 Stage 3 Jumlah/Total
Saldo awal 2.649.452 369.570 686.042 3.705.064 Beginning balance
Transfer ke kerugian kredit Transfer to lifetime
ekspektasian sepanjang expected credit
umurnya (Stage 2) (95.576) 101.855 (6.279) - losses (Stage 2)
Transfer ke kredit yang Transfer to
mengalami penurunan credit impaired
nilai (Stage 3) (69.564) (44.461) 114.025 - (Stage 3)
Transfer ke kerugian kredit Transfer to 12 months
ekspektasian 12 bulan expected credit
(Stage 1) 59.286 (12.975) (46.311) - losses (Stage 1)
Perubahan bersih pada
CKPN (83.167) (152.369) (352.261) (587.797) Net change in CKPN
Saldo akhir 2.460.431 261.620 395.216 3.117.267 Ending balance
CKPN atas pinjaman gadai dan non gadai CKPN for pawn product and non pawn product
masing-masing adalah Rp1.669.020 dan are amounting to Rp1,669,020 and
Rp1.448.247 Rp1,448,247, respectively.
31 Desember/December 31, 2022
Stage 1 Stage 2 Stage 3 Jumlah/Total
Saldo awal 1.479.635 285.708 1.692.683 3.458.026 Beginning balance
Transfer ke kerugian kredit Transfer to lifetime
ekspektasian sepanjang expected credit
umurnya (Stage 2) (57.139) 61.480 (4.341) - losses (Stage 2)
Transfer ke kredit yang Transfer to
mengalami credit impaired
penurunan nilai (Stage 3) (156.550) (30.869) 187.419 - (Stage 3)
Transfer ke kerugian kredit Transfer to 12 months
ekspektasian 12 bulan expected credit
(Stage 1) 44.271 (27.981) (16.290) - losses (Stage 1)
Perubahan bersih pada
CKPN 1.339.235 81.232 (1.173.429) 247.038 Net change in CKPN
Saldo akhir 2.649.452 369.570 686.042 3.705.064 Ending balance
CKPN atas pinjaman gadai dan non gadai CKPN for pawn product and non pawn
masing-masing adalah Rp1.529.011 dan product are amounting to Rp1,529,011 and
Rp2.176.053. Rp2,176,053, respectively.
Manajemen berpendapat bahwa cadangan Management believe that the allowance for
kerugian penurunan nilai pinjaman yang impairment losses is adequate to cover the
diberikan tersebut cukup untuk menutupi possibility of losses on uncollectible loans and
kemungkinan terjadinya risiko kerugian atas Managements will review the adequacy at the
tidak tertagihnya pinjaman yang diberikan dan end of each year.
Manajemen akan mengkaji ulang
kecukupannya tersebut setiap akhir tahun.
61
Page 777
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
5. PINJAMAN YANG DIBERIKAN - BERSIH 5. LOANS - NET (continued)
(lanjutan)
Pinjaman yang diberikan dengan kualitas macet Loans with loss quality is classified as Collateral
diklasifikasi sebagai Barang Jaminan Dalam Proses Items in Auction Process (“BJDPL”) which in
Lelang (“BJDPL”) dimana BJDPL pada dasarnya substance BJDPL is a loan which the collateral has
merupakan pinjaman yang diberikan yang not been sold and currently is still on auction
jaminannya belum laku dijual dan saat ini sedang process. Default loans will be fully provisioned.
dalam proses lelang. Pinjaman bermasalah telah Cash receipt from the auction will be used to settle
dicadangkan penuh. Kas yang diperoleh dari lelang the loans. An excess of cash collected from the
tersebut nantinya akan digunakan untuk auction process will be returned to the customers.
menyelesaikan pinjaman. Kelebihan atas kas yang
diporelah akan dikembalikan kepada nasabah.
Seluruh pinjaman yang diberikan dijamin oleh All loans are secured by moveable collateral. If the
barang jaminan bergerak. Apabila nasabah tidak customer does not repay the loan on the due date,
melunasi pinjaman pada tanggal jatuh tempo, the collateral will be auctioned. Management believe
barang jaminan akan dilelang. Manajemen that the collateral value is adequate to cover the
berpendapat bahwa nilai barang jaminan cukup possibility of losses from uncollectible loans.
untuk menutupi kemungkinan terjadinya risiko
kerugian akibat tidak tertagihnya pinjaman yang
diberikan tersebut.
Pinjaman yang diberikan telah diasuransikan dan Loans to customers are insured and have been
telah dijaminkan atas fasilitas kreditnya oleh guaranteed for their credit facilities by PT Askrida
PT Askrida Syariah, PT Jaminan Kredit Indonesia Syariah, PT Jaminan Kredit Indonesia
(Jamkrindo), PT Asuransi Takaful Umum, (Jamkrindo), PT Asuransi Takaful Umum,
PT Jasaraharja Putera, PT Asuransi Jasaraharja PT Asuransi Jasaraharja Putera, PT Asuransi
Putera Syariah, PT Jamkrida Jakarta dan Jasaraharja Putera Syariah, PT Jamkrida Jakarta
PT Penjaminan Jamkrindo Syariah. Objek and PT Penjaminan Jamkrindo Syariah. The
pertanggungan yang diberikan oleh PT Asuransi insurance coverage provided by PT Asuransi
Takaful Umum dan PT Asuransi Jasaraharja Putera Takaful Umum and PT Asuransi Jasaraharja Putera
Syariah meliputi asuransi atas selisih penurunan Syariah cover insurance for the difference in
nilai emas, santunan kematian, kehilangan barang impairment in gold value, death compensation, loss
jaminan, ketidakabsahan bukti kepemilikan barang of collateral or damage to goods guarantee above
jaminan yang diagunkan, kerusakan barang jaminan 75 percent, as well as the collateral cannot be
di atas 75 persen, maupun ketika barang jaminan auctioned. The object of coverage provided by
tidak dapat dilakukan pelelangan. Objek PT BRI Asuransi Indonesia includes credit collateral
pertanggungan yang diberikan oleh PT BRI goods, belonging to customers controlled and under
Asuransi Indonesia meliputi barang jaminan kredit the responsibility of the insured, cash, gold, all
milik nasabah yang dikuasai dan dibawah tanggung documents, electronic equipment,
jawab tertanggung, uang kas, emas, seluruh office/buildings/buildings owned or leased by the
dokumen, peralatan elektronik, kantor/gedung/ insured including the office/buildings/inventory.
bangunan milik atau disewa oleh tertanggung The object of coverage provided by PT Jamkrindo,
termasuk atas inventaris kantor/ gedung/bangunan PT Jamkrindo Syariah, PT Askrida Syariah,
tersebut. Objek pertanggungan yang diberikan oleh PT Asuransi Takaful Umum, and PT Asuransi
PT Jamkrindo, PT Jamkrindo Syariah, PT Askrida Jasaraharja Putera Syariah includes insurance for
Syariah, PT Asuransi Takaful Umum, dan credit facilities that have been defaulted with
PT Asuransi Jasaraharja Putera Syariah meliputi coverage that is covered at 80 percent of
asuransi atas fasilitas kredit yang telah default outstanding loan or 100 percent of outstanding
dengan coverage yang ditanggung sebesar 80 value with maximum at 80 percent from credit
persen dari nilai outstanding dengan maksimum plafond or 100 percent from outstanding loan when
sebesar 80 persen dari plafond kredit atau 100 the customer dies.
persen dari nilai outstanding ketika nasabah
meninggal dunia.
62
Page 778
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
5. PINJAMAN YANG DIBERIKAN - BERSIH 5. LOANS - NET (continued)
(lanjutan)
Objek Pertanggungan PT Asuransi Jasaraharja The object of coverage provided by
Putera meliputi kredit yang diberikan oleh PT Asuransi Jasaraharja Putera includes credit
Pegadaian kepada nasabah dengan given by Pegadaian to the customer with the
mempersyaratkan Agunan berupa Bukti collateral consisting of Bukti Kepemilikan
Kepemilikan Kendaraan Bermotor (BPKB) yang Kendaraan Bermotor (BPKB) as the requirement
dilakukan pengikatan secara fidusia. which is tied to a fiduciary basis.
Objek Pertanggungan PT Jamkrida Jakarta meliputi The object of coverage provided by
pinjaman kepada nasabah atas PT Jamkrida Jakarta consists of credit given to the
pekerjaan/pengadaan barang dan jasa dengan customer for the job/the procurement of goods and
agunan invoice akif. services with the active invoice as a collateral.
Barang jaminan berupa emas atas pinjaman yang Gold collaterals on loans have been fully insured by
diberikan telah diasuransikan seluruhnya oleh the Company to PT BRI Asuransi Indonesia with the
Perusahaan kepada PT BRI Asuransi Indonesia maximum insured limit coverage is amounting to
dengan batas pertanggungan maksimum adalah Rp200,000,000,000 (full amount) per year in 2023
sebesar Rp200.000.000.000 (nilai penuh) per tahun (2022: PT Asuransi Jasa Indonesia). Whilst, at its
pada tahun 2023 (2022: PT Asuransi Jasa own risk, the minimum coverage value is
Indonesia). Sedangkan atas risiko sendiri, batas Rp2,500,000 (full amount) per incident.
minimal nilai pertanggungannya sebesar
Rp2.500.000 (nilai penuh) per kejadian.
Barang jaminan non-emas produk berbasis gadai, Loan collateral for non-gold based on pawn,
fidusia, dan jasa lainnya baik konvensional maupun fiduciary, and other services, both conventional and
syariah untuk seluruh transaksi telah diasuransikan sharia for all transactions are insured by the
oleh Perusahaan kepada PT BRI Asuransi Company to PT BRI Asuransi Indonesia through
Indonesia melalui program Asuransi Properti All Property Insurance All Risk Program of non-gold
Risk barang jaminan non-emas atas risiko collaterals on fire risks and expansion of warranty
kebakaran dan perluasan jaminan dengan batas with maximum insured limit coverage is amounting
nilai pertanggungan maksimal adalah sebesar to non-gold outstanding loan from each region for
outstanding loan non-emas dari masing-masing 2023 (2022: PT Asuransi Jasa Indonesia). Whilst, at
wilayah untuk tahun 2023 (2022: PT Asuransi Jasa its own risk, the minimum coverage value is
Indonesia). Sedangkan atas risiko sendiri, batas Rp2,500,000 (full amount) per incident.
minimal nilai pertanggungannya sebesar
Rp2.500.000 (nilai penuh) per kejadian.
Pemindahan barang jaminan juga telah Transfer of collateral items has also been insured by
diasuransikan oleh Perusahaan kepada PT BRI the Company to PT BRI Asuransi Indonesia which
Asuransi Indonesia yang menjamin kehilangan guarantees the loss of collateral in the form of
barang jaminan berupa emas/perhiasan milik gold/jewelry of the insured and/or in the
tertanggung dan/atau dalam tanggung jawab responsibility of the insured during the delivery from
tertanggung selama dalam pengiriman dari satu one place to another place, that risk of conveyance,
tempat ke tempat lain, yaitu risiko alat angkut, robbery, accident, employee in duty’s property, is
perampokan, kecelakaan, harta karyawan yang amounting to Rp125,000,000,000 (full amount) for
bertugas, yaitu sebesar Rp125.000.000.000 (nilai the delivery of collateral items. Whilst, at its own risk,
penuh) atas pengiriman barang jaminan. the upper 2.5% limit is more than the claim value
Sedangkan atas risiko sendiri, batas 2,5% atas lebih according to a certain policy package with
dari nilai klaim sesuai paket polis tertentu dengan a minimum of Rp2,500,000 (full amount) per
minimum Rp2.500.000 (nilai penuh) per kejadian. incident.
Manajemen berpendapat bahwa nilai Managements believe that the insurance coverage
pertanggungan tersebut cukup untuk menutupi is adequate to cover the possibility of losses and the
kemungkinan terjadinya risiko kerugian dan Management will review the insurance coverage
Manajemen akan mengkaji ulang nilai every end of the period.
pertanggungan tersebut setiap akhir periode.
63
Page 779
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
5. PINJAMAN YANG DIBERIKAN - BERSIH 5. LOANS - NET (continued)
(lanjutan)
Pinjaman yang diberikan dengan tingkat kualitas Loans with a quality level of current and special
lancar dan perhatian khusus masih dihitung attention are still calculated as interest income,
pendapatan sewa modalnya, sedangkan untuk while for substandard quality, doubtful and bad
kualitas kurang lancar, diragukan dan macet, tidak debts, the interest income is no longer calculated.
diperhitungkan lagi pendapatan sewa modalnya.
Penyelesaian kredit bermasalah termasuk kredit Settlement of non-performing loans including
restrukturisasi dilakukan dengan cara sebagai restructuring loans is carried out in the following
berikut: ways:
1. Pelunasan oleh nasabah; 1. Payment by customer;
2. Eksekusi dan penjualan/likuidasi barang 2. Execution and sale/liquidation of collateral
jaminan; goods;
3. Saluran hukum atau bantuan pihak ketiga; dan 3. Third party legal or assistance channels; and
4. Penghapusbukuan. 4. Write-off.
Manajemen melakukan aktivitas monitoring, Management carries out more intensive monitoring,
evaluasi dan pembinaan yang lebih intensif evaluation and guidance activities for restructured
terhadap nasabah yang direstrukturisasi untuk customers to maintain credit quality until they are
menjaga kualitas kredit sampai dinyatakan sehat declared healthy again and released from
kembali dan dikeluarkan dari kondisi restrukturisasi. restructuring conditions. If there is a deterioration in
Jika terjadi pemburukan kualitas kredit yang telah the quality of the restructured loans, the
direstrukturisasi, Manajemen akan memberikan Management will provide an early warning that is
peringatan dini yang digunakan untuk melakukan used to make loan settlements in order to minimize
penyelesaian kredit dalam meminimalkan potensi potential losses for the Company.
kerugian Perusahaan.
Pinjaman yang diberikan pada tanggal Loans in December 31, 2023 and 2022 are pledged
31 Desember 2023 dan 2022 dijadikan sebagai as collateral for bank loans (Note 19).
jaminan pinjaman bank (Catatan 19).
6. PIUTANG LAIN-LAIN - BERSIH 6. OTHER RECEIVABLES - NET
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Pihak berelasi Related parties
Piutang kepada afiliasi 707.466 707.609 Receivables from affiliates
Pihak ketiga Third parties
Piutang jasa dan rental 210.324 87.358 Service and rental receivable
Piutang tuntutan Post claim compensation
ganti rugi pegawai 148.757 137.098 receivables from employees
Piutang kemitraan fintech 48.680 24.285 Fintech partnership receivables
Piutang lainnya 6.399 6.408 Others
414.160 255.149
Cadangan penyisihan/kerugian
penurunan nilai (625.103) (125.237) Allowance for impairment losses
Bersih 496.523 837.521 Net
64
Page 780
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
6. PIUTANG LAIN-LAIN – BERSIH (lanjutan) 6. OTHER RECEIVABLES – NET (continued)
Mutasi penyisihan kerugian penurunan nilai piutang Movement of allowance for impairment losses for
lain-lain adalah sebagai berikut: other receivables is as follows:
2023 2022
Saldo awal 125.237 22.889 Beginning balance
Penambahan Provision for
cadangan kerugian penurunan nilai 499.866 102.348 impairment losses
Saldo akhir 625.103 125.237 Ending balance
Pada tanggal 31 Desember 2023, termasuk dalam As at December 31, 2023, allowance for impairment
penyisihan kerugian penurunan piutang lain-lain losses of other receivable includes balance of
adalah saldo entitas anak sebesar Rp1.489 subsidiaries amounting to Rp1,489
(2022: Rp1.501). (2022: Rp1,501).
Piutang tuntutan ganti rugi dari pegawai merupakan Claim compensation from employees are
piutang dari karyawan Perusahaan berdasarkan receivables from the Company's employees based
penetapan Manajemen atas sanksi tuntutan ganti on the Management decision on sanctioned claims
rugi akibat tindak kelalaian atau kesalahan yang for compensation due to negligence or mistakes
dilakukan oleh karyawan dalam kegiatan made by employees in the operations of the
operasional Perusahaan. Company.
Manajemen berkeyakinan bahwa cadangan Management believe that allowance for impairment
kerugian penurunan nilai piutang lainnya cukup losses on other receivables is adequate to cover
untuk menutup kemungkinan kerugian akibat tidak possible losses from uncollectible other receivables.
tertagihnya piutang lain-lain.
7. PERSEDIAAN 7. INVENTORIES
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Persediaan emas 501.206 432.954 Gold inventories
Persediaan barang 7.575 33.922 Supplies inventories
Jumlah 508.781 466.876 Total
Saldo persediaan emas terdiri dari logam mulia, stok Gold inventories consist of precious metal, stock for
untuk tabungan emas, perhiasan dan persediaan gold savings, jewelry and raw materials inventories,
bahan baku, dan bahan pembantu dimiliki untuk and supplies as held for sale of subsidiary.
dijual entitas anak.
Persediaan barang terdiri dari perlengkapan, Supplies inventories consist of supplies, food and
makanan, minuman, dan aset tidak lancar dimiliki beverages, and non-current asset classified as held
untuk dijual entitas anak. for sale of subsidiary.
Manajemen berpendapat bahwa tidak terdapat Management believe that there is no indication of
indikasi kerugian penurunan nilai dari saldo impairment in values of gold inventories as at
persediaan emas pada tanggal 31 Desember 2023 December 31, 2023 and 2022.
dan 2022.
65
Page 781
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
7. PERSEDIAAN (lanjutan) 7. INVENTORIES (continued)
Pada tanggal 31 Desember 2023 dan 2022, As at December 31, 2023 and 2022, inventories
persediaan telah diasuransikan kepada PT BRI were insured to PT BRI Asuransi Indonesia against
Asuransi Indonesia terhadap semua risiko all risks of damage with total coverage gold in transit
kerusakan dengan jumlah pertanggungan emas Rp600,000,000,000 (full amount) and gold in safe of
dalam perjalanan sebesar Rp600.000.000.000 (nilai Rp1,800,000,000,000 (full amount). Whilst, at its
penuh) dan emas dalam brankas sebesar own risk, the 2.5% of with a minimum of
Rp1.800.000.000.000 (nilai penuh). Sedangkan Rp2,500,000 (full amount) per incident.
atas risiko sendiri, batas 2,5% dari nilai klaim,
minimal Rp2.500.000 (nilai penuh) per kejadian.
Manajemen berpendapat bahwa asuransi tersebut Management believe that insurance are adequate
sudah memadai terhadap semua risiko kerusakan against the inventories for any risks of damage as at
pada persediaan pada tanggal 31 Desember 2023 December 31, 2023 and 2022.
dan 2022.
8. PENDAPATAN YANG MASIH HARUS DITERIMA 8. ACCRUED INCOME
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Usaha gadai 2.062.149 2.252.521 Pawn business
Usaha non-gadai 202.669 126.547 Non-pawn business
Total 2.264.818 2.379.068 Total
Akun ini merupakan saldo pendapatan sewa modal This account represents the balance of interest
dan jasa simpan (mu’nah) yang masih harus revenue ithdrawaland saving fee (mu’nah) that still
diterima. Manajemen berpendapat bahwa cadangan has to be received. Management believe that
kerugian penurunan nilai atas pendapatan yang allowance for impairment losses of accrued income
masih harus diterima yang terdapat di dalam saldo that included in allowance for impairment losses of
cadangan kerugian penurunan nilai pinjaman yang loans is adequate to cover the possibility of losses
diberikan adalah cukup untuk menutupi on uncollectible accrued income.
kemungkinan terjadinya risiko kerugian atas tidak
tertagihnya pendapatan yang masih harus diterima.
9. BEBAN DIBAYAR DI MUKA 9. PREPAID EXPENSES
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Renovasi gedung 17.739 43.137 Office renovation
Uang muka 15.708 8.852 Advances
Asuransi 13.904 4.639 Insurance
Lain-lain 16.476 9.600 Others
Total 63.827 66.228 Total
Renovasi gedung adalah pembayaran di muka Office renovation is an advance payment to the
kepada vendor atas renovasi cabang baru dan akan vendor for the renovation of new branches and will
diamortisasi selama periode jasa. be amortised during the service period.
10. PROPERTI INVESTASI 10. INVESTMENT PROPERTIES
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Tanah 155.736 152.597 Land
Bangunan 25.510 27.428 Buildings
Total 181.246 180.025 Total
66
Page 782
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
10. PROPERTI INVESTASI (lanjutan) 10. INVESTMENT PROPERTIES (continued)
Mutasi properti investasi adalah sebagai berikut: Movements of investment properties is as follows:
2023 2022
Saldo awal 180.025 180.025 Beginning balance
Perubahan nilai wajar 1.221 - Changes in fair value
Saldo akhir 181.246 180.025 Ending balance
Properti investasi terdiri dari tanah dan bangunan Investment properties consist of land and buildings
yang berlokasi: are located:
Harco Ps. Baru, Lantai Dasar, Jl. Samanhudi Harco Ps. Baru, Ground Floor, Jl. Samanhudi
No. 106, RT. 5/RW. 8, Ps. Baru, Kecamatan Sawah No. 106, RT. 5/RW. 8, Ps. Baru, Kecamatan Sawah
Besar, Kota Jakarta Pusat, Daerah Khusus Ibukota Besar, Kota Jakarta Pusat, Daerah Khusus Ibukota
Jakarta dengan luas tanah dan bangunan seluas Jakarta with land and building area 2,520 m2 and
2.520 m2 dan 10.112 m2, dengan biaya perolehan 10,112 m2, and acquisition cost Rp1,225 and
sebesar Rp1.225 dan Rp123. Nilai wajar per Rp123. Fair value per December 31, 2023 and 2022
31 Desember 2023 dan 2022 sebesar Rp181.246 are Rp181,246 and Rp180,025, according to KJPP
dan Rp180.025 berdasarkan KJPP Karmanto & Karmanto & Rekan on valuation date September 30,
Rekan pada tanggal penilaian 30 September 2023 2023 and May 20, 2022.
dan 20 Mei 2022.
Pada tahun 2023 dan 2022, seluruh properti In 2023 and 2022, all of investment properties are
investasi disewakan kepada pihak ketiga leased to third parties under the lease agreements.
berdasarkan perjanjian sewa.
Perubahan nilai wajar properti investasi sebesar The change in fair value of investment properties
Rp1.221 pada 31 Desember 2023 didasarkan pada amounting Rp1,221 in December 31, 2023 based on
perubahan nilai wajar yang dihitung oleh KJPP changes in fair value calculated by KJPP Karmanto
Karmanto & Rekan, penilai independen yang & Rekan an independent appraiser registered at
terdaftar di Otoritas Jasa Keuangan (2022: Rpnihil). Financial Services Authority (2022: Rpnil).
Manajemen meyakini bahwa penentuan nilai wajar Managements believe that determination of fair
didukung oleh bukti pasar atau lebih banyak value is supported by market evidence or more
berdasarkan faktor lain karena sifat properti tersebut based on other factors due to the nature of property
dan keterbatasan data pasar yang dapat and the limitations of comparable market data.
diperbandingkan.
Pendapatan sewa dan beban manajemen atas Rental income and management expenses on
properti investasi pada 31 Desember 2023 adalah investment properties on December 31, 2023
sebesar Rp1.637 (2022: Rp1.637). amounting to Rp1,637 (2022: Rp1,637).
Nilai wajar tingkat 2 dari tanah dan bangunan Level 2 fair values of land and buildings are
dihitung dengan menggunakan pendekatan calculated using the comparable market data
perbandingan harga pasar, estimasi biaya approach, cost reproduction or cost replacement
reproduksi baru atau biaya pengganti baru, dan approach and asset generated income approach.
estimasi pendapatan dan biaya yang dihasilkan oleh The approximate market prices of comparable land
aset. Harga pasar dari tanah dan bangunan yang and buildings are adjusted for differences in key
paling mendekati disesuaikan dengan perbedaan attributes such as property size, location and use of
atribut utama seperti ukuran aset, lokasi dan an asset. The most significant input into this
penggunaan aset. Input yang paling signifikan valuation approach is price per square meter
dalam pendekatan penilaian ini adalah asumsi assumptions.
harga per meter.
67
Page 783
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
11. ASET TETAP - BERSIH 11. FIXED ASSETS - NET
31 Desember/December 31, 2023
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Reklasifikasi/ Revaluasi/ Ending
balance Addition Deduction Reclassification Revaluation balance
Kepemilikan langsung Direct acquisition
Harga perolehan Acquisition cost
Model revaluasi Revaluation model
Tanah 7.983.045 75 - - 6.774 7.989.894 Land
Bangunan 2.886.048 17.344 - 318.678 - 3.222.070 Buildings
Model biaya Cost model
Inventaris 1.490.478 220.930 (28.978) 8.609 - 1.691.039 Equipments
Kendaraan 524.449 363.626 (25.717) - - 862.358 Vehicles
Subtotal 12.884.020 601.975 (54.695) 327.287 6.774 13.765.361 Subtotal
Aset dalam
penyelesaian Construction in progress
Bangunan 638.260 449.394 - (317.255) - 770.399 Buildings
Inventaris 9.719 12.829 (21) (21.295) - 1.232 Equipments
Subtotal 647.979 462.223 (21) (338.550) - 771.631 Subtotal
Total harga perolehan 13.531.999 1.064.198 (54.716) (11.263) 6.774 14.536.992 Total acquisition cost
Kepemilikan langsung Direct acquisition
Akumulasi penyusutan Accumulated depreciation
Model revaluasi Revaluation model
Bangunan (761.317) (172.977) - (1.423) - (935.717) Buildings
Model biaya Cost model
Inventaris (1.082.773) (244.725) 23.407 (5.377) - (1.309.468) Equipments
Kendaraan (111.144) (70.161) 17.532 (756) - (164.529) Vehicles
Total akumulasi Total accumulated
penyusutan (1.955.234) (487.863) 40.939 (7.556) - (2.409.714) depreciation
Nilai buku bersih 11.576.765 12.127.278 Net book value
31 Desember/December 31, 2023
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Ending
balance Addition Deduction balance
Aset hak guna Right of use asset
Harga perolehan Acquisition cost
Bangunan 584.701 318.794 (160.062) 743.433 Buildings
Kendaraan 1.846 4.178 (1.344) 4.680 Vehicles
Total harga perolehan 586.547 322.972 (161.406) 748.113 Total acquisition cost
Akumulasi penyusutan Accumulated depreciation
Bangunan (283.265) (190.981) 143.067 (331.179) Buildings
Kendaraan (761) (1.423) 163 (2.021) Vehicles
Total akumulasi penyusutan (284.026) (192.404) 143.230 (333.200) Total accumulated depreciation
Nilai buku bersih 302.521 414.913 Net book value
68
Page 784
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
11. ASET TETAP - BERSIH (lanjutan) 11. FIXED ASSETS - NET (continued)
31 Desember/December 31, 2022
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Reklasifikasi/ Revaluasi/ Ending
balance Addition Deduction Reclassification Revaluation balance
Kepemilikan langsung Direct acquisition
Harga perolehan Acquisition cost
Model revaluasi Revaluation model
Tanah 7.731.860 - - - 251.185 7.983.045 Land
Bangunan 2.139.082 16.405 (1.423) 796.547 (64.563) 2.886.048 Buildings
Model biaya Cost model
Inventaris 1.666.143 268.538 (455.521) 11.318 - 1.490.478 Equipments
Kendaraan 444.261 128.206 (48.018) - - 524.449 Vehicles
Subtotal 11.981.346 413.149 (504.962) 807.865 186.622 12.884.020 Subtotal
Aset dalam
penyelesaian Construction in progress
Bangunan 654.834 778.346 - (794.920) - 638.260 Buildings
Inventaris 3.365 19.841 - (13.487) - 9.719 Equipments
Subtotal 658.199 798.187 - (808.407) - 647.979 Subtotal
Total harga perolehan 12.639.545 1.211.336 (504.962) (542) 186.622 13.531.999 Total acquisition cost
Kepemilikan langsung Direct acquisition
Akumulasi penyusutan Accumulated depreciation
Model revaluasi Revaluation model
Bangunan (544.781) (217.963) 1.427 - (761.317) Buildings
Model biaya Cost model
Inventaris (1.338.501) (198.035) 453.977 (214) - (1.082.773) Equipments
Kendaraan (85.344) (48.769) 23.466 (497) - (111.144) Vehicles
Total akumulasi Total accumulated
penyusutan (1.968.626) (464.767) 478.870 (711) - (1.955.234) depreciation
Nilai buku bersih 10.670.919 11.576.765 Net book value
31 Desember/December 31, 2022
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Ending
balance Addition Deduction balance
Aset hak guna Right of use asset
Harga perolehan Acquisition cost
Bangunan 503.447 309.939 (228.685) 584.701 Buildings
Kendaraan - 5.192 (3.346) 1.846 Vehicles
Total harga perolehan 503.447 315.131 (232.031) 586.547 Total acquisition cost
Akumulasi penyusutan Accumulated depreciation
Bangunan (243.327) (233.384) 193.446 (283.265) Buildings
Kendaraan - (2.317) 1.556 (761) Vehicles
Total akumulasi penyusutan (243.327) (235.701) 195.002 (284.026) Total accumulated depreciation
Nilai buku bersih 260.120 302.521 Net book value
Pada tanggal 31 Desember 2023 dan 2022, aset As at December 31, 2023 and 2022, fixed assets are
tetap diasuransikan terhadap risiko kebakaran dan covered by insurance against losses of fire and
risiko lainnya kepada PT BRI Asuransi Indonesia other risks to PT BRI Asuransi Indonesia with sum
dengan nilai pertanggungan sebesar Rp3.635.021 insured amounting to Rp3,635,021
(2022: Rp2.453.786) Manajemen berpendapat (2022: Rp2,453,786). Management believe that the
bahwa nilai pertanggungan tersebut cukup untuk insurance coverage is adequate to cover possible
menutupi kemungkinan kerugian atas aset yang losses on the assets insured.
dipertanggungkan.
69
Page 785
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
11. ASET TETAP - BERSIH (lanjutan) 11. FIXED ASSETS - NET (continued)
Pada tanggal 31 Desember 2023, terdapat aset As at December 31, 2023, fixed assets are
tetap yang dibeli dengan utang pembiayaan oleh purchased using financing loan by subsidiary
entitas anak dari PT Toyota Astra Financial PT Toyota Astra Financial Services, PT Dipo Star
Services, PT Dipo Star Finance, PT Astra Sedaya Finance, PT Astra Sedaya Finance, and PT Bank
Finance dan PT Bank Jasa Jakarta sebesar Jasa Jakarta amounting to Rp353,077
Rp353.077 (2022: Rp65.304). (2022: Rp65,304).
Berdasarkan evaluasi Manajemen, tidak terdapat Based on the Management’s assessment, there
kejadian berjalan atau perubahan-perubahan have been no events or changes in circumstances
keadaan yang mengindikasikan adanya penurunan which may indicate impairment in value of fixed
nilai aset tetap pada tanggal 31 Desember 2023 dan assets as at December 31, 2023 and 2022.
2022.
Pada tahun 2023 dan 2022, Grup mempekerjakan In 2023 and 2022, the Group engages KJPP
KJPP Karmanto & Rekan sebagai penilai eksternal Karmanto & Rekan as external independent and
independen dan berkualifikasi untuk menentukan qualified appraiser to determine the fair value of land
nilai wajar tanah dan bangunan. and buildings.
Penilaian dilakukan berdasarkan Standar Penilaian Valuations are performed based on Indonesian
Indonesia berdasarkan transaksi pasar terkini. Valuation Standards based on reference to recent
Metode penilaian yang dipakai adalah metode data market transactions. The valuation methods used
pasar, metode biaya dan metode pendapatan. are market data approach, cost approach and
Elemen-elemen yang digunakan dalam income approach. Elements used in data
perbandingan data untuk menentukan nilai wajar comparison to determine fair value of assets are
aset antara lain: among others are as follows:
a) Jenis dan hak yang melekat pada properti a) Type and right on property
b) Kondisi pasar b) Market condition
c) Lokasi c) Location
d) Karakteristik fisik d) Physical characteristic
e) Karakteristik tanah e) Land characteristic
31 Desember/December 31, 2023
Nilai tercatat Nilai tercatat
sebelum setelah
revaluasi/ revaluasi/ Keuntungan
Carrying Carrying revaluasi/
amount before amount after Gain on
revaluation revaluation revaluation
Tanah 323 7.097 6.774 Land
31 Desember/December 31, 2022
Nilai tercatat Nilai tercatat
sebelum setelah
revaluasi/ revaluasi/ Keuntungan
Carrying Carrying revaluasi/
amount before amount after Gain on
revaluation revaluation revaluation
Tanah dan bangunan 9.631.718 9.818.340 186.622 Land and buildings
Pada tanggal 31 Desember 2023, kenaikan nilai As at December 31, 2023, the increase in the
tercatat yang timbul dari revaluasi tanah dan carrying amount of land and buildings are recorded
bangunan dicatat di dalam penghasilan in other comprehensive income are amounting to
komprehensif lain adalah sebesar Rp6.774 Rp6,774 (2022: Rp186,622).
(2022: Rp186.622).
70
Page 786
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
11. ASET TETAP - BERSIH (lanjutan) 11. FIXED ASSETS - NET (continued)
Manajemen berpendapat bahwa nilai revaluasi Management believe the revaluation value of land
tanah dan bangunan di atas adalah wajar dan telah and buildings above are reasonable and in
sesuai dengan metode penilaian yang berlaku. accordance with applicable revaluation method.
Tabel di bawah ini menganalisis instrumen non- The table below analyses non-financial instrument
keuangan yang dicatat pada nilai wajar berdasarkan carried at fair value, based on levels of valuation
tingkatan metode penilaian. Perbedaan pada setiap method. The different levels of valuation method are
tingkatan metode penilaian dijelaskan sebagai as follows:
berikut:
Tingkat 1 Level 1
Harga dikutip (tidak disesuaikan) dari pasar Quoted prices (unadjusted) in active markets
yang aktif untuk aset atau liabilitas yang identik. for identical assets or liabilities.
Tingkat 2 Level 2
Input selain harga yang dikutip dari pasar yang Input other than quoted prices included within
disertakan pada tingkat 1 yang dapat level 1 that are observable for asset and
diobservasi untuk aset dan liabilitas, baik liabilities, either directly (that is, as a price) or
secara langsung (yaitu sebagai suatu harga) indirectly (derived from price).
atau secara tidak langsung (sebagai turunan
dari harga).
Pengukuran nilai wajar 31 Desember 2023 menggunakan/
Fair value measurement December 31, 2023 using:
Tingkat 1/ Tingkat 2/ Tingkat 3/
Level 1 Level 2 Level 3 Jumlah/Total
Pengukuran nilai Recurring fair
wajar berulang value measurement
tanah - 7.097 - 7.097 land
Pengukuran nilai wajar 31 Desember 2022 menggunakan/
Fair value measurement December 31, 2022 using:
Tingkat 1/ Tingkat 2/ Tingkat 3/
Level 1 Level 2 Level 3 Jumlah/Total
Pengukuran nilai Recurring fair
wajar berulang value measurement
tanah dan bangunan - 9.818.340 - 9.818.340 land and buildings
Nilai wajar tingkat 2 dari tanah dan bangunan Level 2 fair values of land and buildings are
dihitung dengan menggunakan pendekatan calculated using the comparable market data
perbandingan harga pasar, estimasi biaya approach, cost reproduction or cost
reproduksi baru atau biaya pengganti baru, dan replacement approach and asset generated
estimasi pendapatan dan biaya yang dihasilkan income approach. The approximate market
oleh aset. Harga pasar dari tanah dan prices of comparable land and buildings are
bangunan yang paling mendekati disesuaikan adjusted for differences in key attributes such
dengan perbedaan atribut utama seperti ukuran as property size, location and use of an asset.
aset, lokasi dan penggunaan aset. Input yang The most significant input into this valuation
paling signifikan dalam pendekatan penilaian ini approach is price per square meter
adalah asumsi harga per meter. assumptions
71
Page 787
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
11. ASET TETAP - BERSIH (lanjutan) 11. FIXED ASSETS - NET (continued)
Tabel di bawah ini menganalisis instrumen non- The table below analyses non-financial instrument
keuangan yang dicatat pada nilai wajar berdasarkan carried at fair value, based on levels of valuation
tingkatan metode penilaian. Perbedaan pada setiap method. The different levels of valuation method are
tingkatan metode penilaian dijelaskan sebagai as follows: (continued)
berikut: (lanjutan)
Tingkat 3 Level 3
Input untuk aset atau liabilitas yang tidak Input for asset or liability that is not based on
didasarkan pada data pasar yang dapat observable market data (unobservable inputs).
diobservasi (informasi yang tidak dapat
diobservasi).
Perhitungan keuntungan (kerugian) penjualan dan Calculation of gain (loss) on sale and write-off of
penghapusan aset tetap sebagai berikut: fixed assets as follows:
2023 2022
Harga perolehan Acquisition cost
- Kendaraan 43.403 44.094 Vehicles -
- Bangunan - - Buildings -
- Inventaris 2.518 - Equipments -
Total harga perolehan 45.921 44.094 Total acquisition cost
Akumulasi penyusutan Accumulated depreciation
- Kendaraan (19.359) (21.328) Vehicles -
- Bangunan - - Buildings -
- Inventaris (2.134) - Equipments -
Total akumulasi penyusutan (21.493) (21.328) Total accumulated depreciation
Nilai buku aset tetap yang dijual 24.428 22.766 Book value of disposed fixed asset
Hasil penjualan aset tetap 30.297 28.552 Proceeds from sales of fixed assets
Keuntungan atas Gain on sales
penjualan aset tetap 5.869 5.786 of fixed assets
Harga perolehan Acquisition cost
- Kendaraan - - Vehicles -
- Inventaris 7.109 447.577 Equipments -
Total harga perolehan 7.109 447.577 Total acquisition cost
Akumulasi penyusutan Accumulated depreciation
- Bangunan - - Buildings -
- Inventaris (7.109) (447.556) Equipments -
Total akumulasi penyusutan (7.109) (447.556) Total accumulated depreciation
Nilai buku aset tetap yang Book value of written-off
dihapusbukukan - 21 of fixed asset
Kerugian penghapusan aset tetap - (21) Loss on write-off of fixed assets
Bersih 5.869 5.765 Net
72
Page 788
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
11. ASET TETAP - BERSIH (lanjutan) 11. FIXED ASSETS - NET (continued)
Rincian aset dalam penyelesaian adalah sebagai Details of construction in progress are as follow:
berikut:
31 Desember/December 31, 2023
Tanggal
Akumulasi Persentase estimasi
biaya/ penyelesaian/ penyelesaian/
Accumulated Percentage of Estimated
Cost completion completion date
Pegadaian Tower 709.895 96,00% April/April 2024 Pegadaian Tower
Standarisasi outlet 47.945 99,15% Beragam/Various Outlet standardisation
Lain-lain 13.791 Beragam/Various Beragam/Various Others
771.631
31 Desember/December 31, 2022
Tanggal
Akumulasi Persentase estimasi
biaya/ penyelesaian/ penyelesaian/
Accumulated Percentage of Estimated
Cost completion completion date
Pegadaian Tower 522.673 79,33% April/April 2023 Pegadaian Tower
Standarisasi outlet 55.088 95,00% Beragam/Various Outlet standardisation
Gedung Kenari Baru 12.804 90,00% Beragam/Various Kenari Baru building
Lain-lain 57.414 Beragam/Various Beragam/Various Others
647.979
Jumlah nilai komitmen kontraktual dalam perolehan Total contractual commitment of fixed asset
aset tetap pada tanggal 2022 masing-masing adalah acquisition as at December 31, 2022 are amounting
sebesar Rp300.733. to Rp300,733.
Seluruh aset tetap yang ada pada tanggal All of the fixed assets as at December 31, 2023 and
31 Desember 2023 dan 2022 digunakan untuk 2022 are used to support the Company’s
menunjang aktivitas operasi Perusahaan. Pada operational activities. As at December 31, 2023 and
tanggal 31 Desember 2023 dan 2022, jumlah nilai 2022, the total acquisition cost of fixed assets that
perolehan aset tetap yang telah disusutkan penuh have been fully depreciated but still in use is
namun masih digunakan masing-masing adalah amounting to Rp910,544 and Rp615,477
sebesar Rp910.544 dan Rp615.477. respectively.
Seluruh kantor atau bangunan milik Grup atau yang All offices or buildings owned by the Group or leased
disewa oleh Grup serta kantor afiliasinya yang by the Group and affiliated offices located in
berada di seluruh wilayah Indonesia beserta Indonesia along with the equipment within
inventaris kantor yang berada didalamnya telah the office, are insured by the Company to
diasuransikan kepada PT BRI Asuransi Indonesia PT BRI Asuransi Indonesia as at December 31,
pada tanggal 31 Desember 2023 dan 2022 terhadap 2023 and 2022 against the possibility of fire, riots
kemungkinan terjadinya risiko kerugian akibat and civil unrest, natural disasters, and impact by
kebakaran, huru hara, kerusuhan sipil, bencana own vehicle, based on certain policy package, with
alam, dan tertabrak kendaraan, berdasarkan suatu total sum insured of fair value on each office area or
paket polis tertentu, dengan nilai pertanggungan head office.
sebesar harga pasar masing-masing kantor wilayah
atau kantor pusat.
73
Page 789
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
11. ASET TETAP - BERSIH (lanjutan) 11. FIXED ASSETS - NET (continued)
Perusahaan mengasuransikan aset tetap inventaris The Company insured office equipments of server,
kantor berupa perangkat server, keamanan network security, and electric equipment to
jaringan, dan mekanikal elektrik kepada PT BRI Asuransi Indonesia as at December 31,
PT BRI Asuransi Indonesia pada tanggal 2023 and 2022 with sum insured of the cost value.
31 Desember 2023 dan 2022, dengan nilai
pertanggungan sebesar harga perolehannya.
Grup telah mengasuransikan kendaraan kepada The Group has insured the vehicle to
PT BRI Asuransi Indonesia pada tanggal PT BRI Asuransi Indonesia as at December 31,
31 Desember 2023 dan 2022, terhadap kemungkinan 2023 and 2022, against the possibilities of losses
risiko kerugian akibat kecelakaan, kerusuhan, from accident, riots, natural disasters, and theft.
bencana alam, dan pencurian atau kejahatan.
Manajemen berpendapat bahwa nilai Management believe that the insurance coverage is
pertanggungan diatas cukup untuk menutupi adequate to cover potential losses on the fixed
kemungkinan kerugian atas aset tetap dan akan assets and will review the sum insured every end of
mengkaji ulang nilai pertanggungan tiap akhir period.
periode.
Manajemen berpendapat bahwa tidak terdapat Management believe that there is no impairment of
penurunan nilai aset tetap pada tanggal fixed assets as at December 31, 2023 and 2022.
31 Desember 2023 dan 2022.
Aset hak-guna Right-of-use assets
Jumlah pengeluaran kas untuk sewa selama tahun The total cash outflow for leases for the year ended
yang berakhir pada 31 Desember 2023 adalah December 31, 2023 is amounting to Rp322,972
Rp322.972 (2022: Rp315.131). (2022: Rp315,131).
Laporan laba rugi konsolidasian menyajikan saldo Consolidated profit or loss shows the following
berikut berkaitan dengan sewa: amounts related to leases:
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Beban Penyusutan Aset Hak Guna Depreciation Expense of Right of use assets
Bangunan 190.981 233.384 Buildings
Kendaraan 1.423 2.317 Vehicles
Total 192.404 235.701 Total
12. ASET TAKBERWUJUD - BERSIH 12. INTANGIBLE ASSETS - NET
31 Desember/December 31, 2023
1 Januari/ Penambahan/ Pengurangan/ 31 Desember/
January 2023 Addition Disposal December 2023
Kepemilikan langsung Direct ownership
Harga perolehan Acquisition cost
Perangkat lunak middleware 232.287 89.136 (598) 320.825 Middleware software
Beban hak atas tanah yang Deferred charges on
ditangguhkan 8.410 - (1.260) 7.150 land rights
Akumulasi amortisasi Accumulated amortisation
Perangkat lunak middleware (115.370) (50.534) 1.062 (164.842) Middleware software
Nilai buku bersih 125.327 163.133 Net book value
74
Page 790
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
12. ASET TAKBERWUJUD - BERSIH (lanjutan) 12. INTANGIBLE ASSETS - NET (continued)
31 Desember/December 31, 2022
1 Januari/ Penambahan/ Pengurangan/ 31 Desember/
January 2022 Addition Disposal December 2022
Kepemilikan langsung Direct ownership
Harga perolehan Acquisition cost
Perangkat lunak middleware 156.732 75.555 - 232.287 Middleware software
Beban hak atas tanah yang Deferred charges on
ditangguhkan 8.055 1.148 (793) 8.410 land rights
Akumulasi amortisasi Accumulated amortisation
Perangkat lunak middleware (87.357) (28.013) - (115.370) Middleware software
Nilai buku bersih 77.430 125.327 Net book value
Seluruh beban amortisasi untuk tahun yang berakhir All amortisation expense for the year ended
pada 31 Desember 2023 dan 2022 dialokasikan ke December 31, 2023 and 2022 was allocated to
beban administrasi dan umum. general and administrative expenses.
13. ASET LAIN-LAIN - BERSIH 13. OTHER ASSETS - NET
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Aset keuangan Financial assets
Pinjaman yang diberikan sehubungan
dengan: Loans in relation with:
- Kerugian Perusahaan yang masih The Company’s losses that are -
harus diperhitungkan (KPYD) 69.166 67.414 still in calculation (KPYD)
- Barang jaminan yang belum dijual 48.981 49.532 Unsold collateral -
- Cadangan penyisihan terkait (118.147) (116.946) Related allowance -
Aset keuangan - bersih - - Financial assets - net
Aset non keuangan 3.985 - Non-financial assets
Total Aset Lain-Lain - Bersih 3.985 - Total Other Assets - Net
Mutasi penyisihan kerugian penurunan nilai aset Movement of allowance for impairment losses for
lain-lain adalah sebagai berikut: other assets is as follows:
2023 2022
Saldo awal 116 .946 114.035 Beginning balance
Penambahan provisi (Catatan 33) 1.201 2.911 Addition of provision (Note 33)
Saldo akhir 118.147 116.946 Ending balance
14. UTANG USAHA 14. TRADE PAYABLES
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Titipan angsuran nasabah 336.796 328.706 Customer installment deposit
Pengadaan barang dan jasa 157.399 107.268 Procurements of goods and services
Retensi pembangunan gedung 42.016 33.604 Building constructions retention
Titipan premi asuransi 40.395 74.933 Insurance premium deposit
Notaris dan institusi hukum 20.187 15.664 Notary and legal institution
Lainnya 48.566 27.570 Others
Total 645.359 587.745 Total
75
Page 791
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
15. UTANG KEPADA NASABAH 15. PAYABLE TO CUSTOMERS
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Uang kelebihan 242.831 179.994 Excess money
Berdasarkan Surat Keputusan Mahkamah Agung Based on the Decree of the Supreme Court of the
Republik Indonesia pada 13 April 2015 Republic of Indonesia dated April 13, 2015
No. 392/PAN/HM.00/IV/2015, menyatakan bahwa No. 392/PAN/HM.00/IV/2015, it states that the
hasil penjualan lelang barang jaminan setelah proceeds from the auction fees of the collateral after
dikurangi uang pinjaman, sewa modal dan biaya deducting loan principals, interest and auction fees
lelang merupakan kelebihan yang menjadi hak is an excess money of the customers rights, the
nasabah, jangka waktu pengambilan uang excess money can be withdrawn within a period of
kelebihan tersebut adalah selama satu tahun sejak one year since the auction date, and after passing
tanggal lelang, dan jika lewat dari jangka waktu one year period the customers agree to distribute
pengambilan uang kelebihan, nasabah menyatakan the excess money to Social Care Fund which will be
setuju untuk menyalurkan uang kelebihan tersebut conducted by the Company.
sebagai Dana Kepedulian Sosial yang
pelaksanaannya diserahkan kepada Perusahaan.
16. PERPAJAKAN 16. TAXATION
a. Pajak dibayar di muka a. Prepaid taxes
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Pajak penghasilan badan: Corporate income tax:
Entitas anak Subsidiaries
Pasal 28 - 10.682 Article 28
Subtotal - 10.682 Subtotal
Pajak lain-lain: Other taxes:
Entitas anak Subsidiaries
Pasal 22 41 65 Article 22
Pasal 23 685 433 Article 23
Pajak Pertambahan Nilai 44.764 32.632 Value Added Tax
Subtotal 45.490 33.130 Subtotal
Total 45.490 43.812 Total
b. Utang pajak b. Taxes payable
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Pajak penghasilan badan: Corporate income tax:
Perusahaan The Company
Pasal 25 21.220 75.986 Article 25
Pasal 29 270.110 92.430 Article 29
291.330 168.416
76
Page 792
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
16. PERPAJAKAN (lanjutan) 16. TAXATION (continued)
b. Utang pajak (lanjutan) b. Taxes payable (continued)
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Pajak penghasilan badan: (lanjutan) Corporate income tax: (continued)
Entitas anak Subsidiaries
Pasal 25 891 664 Article 25
Pasal 29 17.554 5.859 Article 29
18.445 6.523
Subtotal 309.775 174.939 Subtotal
Pajak lain-lain: Other taxes:
Perusahaan The Company
Pasal 21 65.472 33.496 Article 21
Pasal 22 362 738 Article 22
Pasal 23 4.661 5.010 Article 23
Pasal 26 48 - Article 26
Pasal 4 (2) 6.988 7.921 Article 4 (2)
Pajak pertambahan nilai 49.470 44.108 Value added tax
Subtotal 127.001 91.273 Subtotal
Entitas anak Subsidiaries
Pasal 21 1.492 1.323 Article 21
Pasal 22 725 7.407 Article 22
Pasal 23 469 222 Article 23
Pasal 4 (2) 1.137 2.215 Article 4 (2)
Pajak pertambahan nilai 7.103 12.566 Value added tax
10.926 23.733
Subtotal 137.927 115.006 Subtotal
Total 447.702 289.945 Total
c. Beban pajak penghasilan c. Income tax expenses
2023 2022
Perusahaan The Company
Beban pajak kini 1.187.896 1.080.103 Current tax expense
Beban (manfaat)
pajak tangguhan 83.785 (99.510) Deferred tax expense (benefit)
1.271.681 980.593
Entitas anak Subsidiaries
Beban pajak kini 59.002 50.997 Current tax expense
Beban (manfaat)
pajak tangguhan (6.344) (1.331) Deferred tax expense (benefit)
52.658 49.666
Total 1.324.339 1.030.259 Total
77
Page 793
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
16. PERPAJAKAN (lanjutan) 16. TAXATION (continued)
c. Beban pajak penghasilan (lanjutan) c. Income tax expenses (continued)
2023 2022
Konsolidasian Consolidated
Beban pajak kini 1.246.898 1.131.100 Current tax expense
Beban (manfaat)
pajak tangguhan 77.441 (100.841) Deferred tax expense (benefit)
1.324.339 1.030.259
Rekonsiliasi antara beban pajak penghasilan A reconciliation between income tax expense
dengan jumlah teoritis beban pajak penghasilan and the theoretical amount of income tax
yang dihitung berdasarkan laba sebelum pajak expense is calculated based on income before
penghasilan dengan menggunakan tarif pajak income tax at the tax rates that apply is as
yang berlaku adalah sebagai berikut: follows:
2023 2022
Laba sebelum pajak Consolidated profit
penghasilan konsolidasian 5.701.016 4.329.204 before income tax
Laba sebelum pajak Profit before income tax
penghasilan - entitas anak (256.952) (238.579) - subsidiaries
Penyesuaian untuk eliminasi 200.263 107.040 Adjustment for elimination
Laba sebelum pajak penghasilan 5.644.327 4.197.665 Profit before income tax
Pajak dihitung dengan tarif pajak Taxes calculated at the applicable
yang berlaku 22% 1.241.751 923.486 tax rate of 22%
Dampak pajak atas Tax impact on the correction
koreksi beda tetap 29.930 57.107 of permanent differences
Beban pajak penghasilan Income tax expense
- Perusahaan 1.271.681 980.593 Company -
- Entitas anak 52.658 49.666 Subsidiaries -
1.324.339 1.030.259
Pajak penghasilan badan dihitung untuk The corporate income tax is calculated for each
masing-masing entitas sebagai bagian yang entity as a separate legal entity.
terpisah secara hukum.
Taksiran laba kena pajak Perusahaan, dan The Company’s estimated taxable income, and
pajak penghasilan untuk tahun yang berakhir income taxes for the year ended December 31,
pada 31 Desember 2023 dan 2022 adalah 2023 and 2022 are as follows:
sebagai berikut:
2023 2022
Laba sebelum pajak Consolidated profit
penghasilan konsolidasian 5.701.016 4.329.204 before income tax
Laba sebelum pajak Profit before income tax
penghasilan - entitas anak (256.952) (238.579) - subsidiaries
Penyesuaian untuk eliminasi 200.263 107.040 Adjustment for elimination
Laba sebelum pajak penghasilan 5.644.327 4.197.665 Profit before income tax
78
Page 794
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
16. PERPAJAKAN (lanjutan) 16. TAXATION (continued)
c. Beban pajak penghasilan (lanjutan) c. Income tax expenses (continued)
Taksiran laba kena pajak Perusahaan, dan The Company’s estimated taxable income, and
pajak penghasilan untuk tahun yang berakhir income taxes for the year ended ended
pada 31 Desember 2023 dan 2022 adalah December 31, 2023 and 2022 are as follows:
sebagai berikut: (lanjutan) (continued)
2023 2022
Beda waktu Temporary differences
Pembentukan cadangan kerugian Provision for allowance
penurunan nilai atas piutang for impairment losses of
lain-lain 499.878 101.332 other receivables
Perbedaan temporer yang Temporary difference arising
timbul dari aset tetap dan from fixed assets and
aset hak guna (19.163) 37.115 right of use asset
Beban akrual (43.110) 38.675 Accruals expense
Beban manfaat karyawan (234.023) (6.996) Employee benefit expense
Pembentukan cadangan kerugian Provision for
penurunan nilai atas allowance in impairment
pinjaman yang diberikan (584.423) 282.193 losses of loans
(380.841) 452.319
Beda tetap Permanent differences
Pendapatan sewa - final (8.974) (6.741) Rent income - final
Biaya penghapusan piutang - 148.641 Write-off expense
Biaya administrasi pajak (34.421) 198 Tax administration expense
Lain-lain 179.435 117.478 Others
136.040 259.576
Laba kena pajak 5.399.526 4.909.560 Taxable income
Perusahaan The Company
Beban pajak kini 1.187.896 1.080.103 Current tax expense
Pajak penghasilan: Income tax:
Pasal 23 (448) (594) Article 23
Pasal 25 (896.118) (911.093) Article 25
Utang pajak penghasilan badan 291.330 168.416 Corporate income tax payable
Entitas anak Subsidiaries
Beban pajak kini 59.002 50.997 Current tax expense
Pembayaran angsuran pajak Installment payment for
penghasilan tahun berjalan (41.448) (45.138) income tax current year
Utang pajak penghasilan badan 17.554 5.859 Income tax payable
Penghasilan kena pajak hasil rekonsiliasi Taxable income results from reconciliation are
merupakan dasar dalam pengisian Surat the basis in preparing in the Company’s Annual
Pemberitahuan Tahunan (SPT) PPh Badan Tax Return (SPT) of Corporate Income Tax.
Perseroan.
Perhitungan pajak penghasilan badan untuk The calculations of corporate income tax for the
tahun yang berakhir tanggal 31 Desember 2022 year ended December 31, 2022 conform to the
adalah sesuai SPT Tahunan Perusahaan. Company’s Annual Tax Return.
79
Page 795
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
16. PERPAJAKAN (lanjutan) 16. TAXATION (continued)
d. Pajak tangguhan d. Deferred tax
Aset (liabilitas) pajak tangguhan Deferred tax asset (liabilities)
31 Desember/December 31, 2023
Dikreditkan/
Dikreditkan/ (dibebankan)
(dibebankan) ke penghasilan
ke laporan komprehensif
laba rugi/ lain/Credited/
Credited/ (charged)
(charged) to other
1 Januari/ to the comprehensive 31 Desember/
January 2023 profit or loss income December 2023
Perusahaan The Company
Cadangan kerugian penurunan Allowances for impairment losses
nilai - piutang lain-lain 27.222 109.973 - 137.195 - other receivables
Cadangan kerugian
penurunan nilai - Allowances for impairment
pinjaman yang diberikan losses - loans
dan aset lain-lain 875.941 (128.573) - 747.368 and other assets
Liabilitas imbalan kerja 382.288 (51.485) 46.656 377.459 Employee benefit liabilities
Aset tetap (24.254) (4.165) - (28.419) Fixed assets
Aset hak guna 2.525 (51) - 2.474 Right-of-use assets
Akrual 346.659 (9.484) - 337.175 Accruals
Subtotal 1.610.381 (83.785) 46.656 1.573.252 Sub total
Entitas anak Subsidiaries
Liabilitas imbalan kerja 757 530 159 1.446 Employee benefit liabilities
Akrual bonus 3.229 2.178 - 5.407 Accrued bonus
Aset tetap (5.690) 3.570 - (2.120) Fixed assets
Cadangan kerugian
penurunan nilai 75 66 - 141 Allowance for Impairment Loss
Total 1.608.752 (77.441) 46.815 1.578.126 Total
31 Desember/December 31, 2022
Dikreditkan/
Dikreditkan/ (dibebankan)
(dibebankan) ke penghasilan
ke laporan komprehensif
laba rugi/ lain/Credited/
Credited/ (charged)
(charged) to other
1 Januari/ to the comprehensive 31 Desember/
January 2022 profit or loss income December 2022
Perusahaan The Company
Cadangan kerugian penurunan Allowances for impairment losses
nilai - piutang lain-lain 4.929 22.293 - 27.222 - other receivables
Cadangan kerugian
penurunan nilai - Allowances for impairment
pinjaman yang diberikan losses - loans
dan aset lain-lain 813.861 62.080 - 875.941 and other assets
Liabilitas imbalan kerja 424.586 (1.539) (40.759) 382.288 Employee benefit liabilities
Aset tetap (16.971) 6.921 (14.204) (24.254) Fixed assets
Aset hak guna 1.280 1.245 - 2.525 Right-of-use assets
Akrual 338.150 8.509 - 346.659 Accruals
Subtotal 1.565.835 99.509 (54.963) 1.610.381 Sub total
Entitas anak Subsidiaries
Liabilitas imbalan kerja - 402 - 402 Employee benefit liabilities
Akrual bonus 2.860 (467) - 2.393 Accrued bonus
Total 1.568.695 99.444 (54.963) 1.613.176 Total
80
Page 796
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
16. PERPAJAKAN (lanjutan) 16. TAXATION (continued)
d. Pajak tangguhan (lanjutan) d. Deferred tax (continued)
Aset (liabilitas) pajak tangguhan (lanjutan) Deferred tax asset (liabilities) (continued)
31 Desember/December 31, 2022
Dikreditkan/
Dikreditkan/ (dibebankan)
(dibebankan) ke penghasilan
ke laporan komprehensif
laba rugi/ lain/Credited/
Credited/ (charged)
(charged) to other
1 Januari/ to the comprehensive 31 Desember/
January 2022 profit or loss income December 2022
Entitas anak Subsidiary
Aset tetap (7.170) 1.480 - (5.690) Fixed assets
Akrual bonus 1.052 (216) - 836 Accrual bonus
Cadangan kerugian Allowance for
penurunan nilai 39 36 - 75 impairment losses
Liabilitas imbalan kerja 311 97 (53) 355 Employee benefit liabilities
Total (5.768) 1.397 (53) (4.424) Total
Manajemen berkeyakinan bahwa saldo aset Managements believe that the deferred tax
pajak tangguhan dapat terpulihkan di masa assets balance can be recovered in the future.
yang akan datang.
e. Pemeriksaan pajak e. Tax assessments
Pemeriksaan tahun pajak 2015 Assessment for fiscal year 2015
Pada tahun 2017, Perusahaan telah melakukan In 2017, the Company has been performed self-
self-assessment atas pembetulan Surat assessment for the revised Tax Assessment
Pemberitahuan (“SPT”) PPh Badan Tahun (“SPT”) on Corporate Income Tax Fiscal Year
2015. Sebagai tindak lanjut atas self- 2015. On March 21, 2018, based on Tax
assessment tersebut, pada tanggal 21 Maret Collection Letter (“STP”) and Tax Assessment
2018 dilakukan penyetoran kekurangan PPh Letter of Tax Underpayment (“SKPKB”), the
Badan Tahun 2015 berdasarkan Surat Tagihan Company has paid the tax underpayment fiscal
Pajak (“STP”) dan Surat Ketetapan Pajak year 2015 with the detail as follows:
Kurang Bayar (“SKPKB”) dengan rincian
sebagai berikut:
2021
Pajak Pertambahan Nilai 26 Value Added Tax
Pajak Penghasilan: Income Tax:
Pasal 23 3.048 Tax article 23
Pasal 29 9.982 Tax article 29
Perusahaan telah menyetujui dan melakukan The Company agreed and has paid based on
pembayaran atas STP dan SKPKB di tahun STP and SKPKB in 2018 amounting to
2018 sejumlah Rp13.056. Pada tanggal Rp13,056. On December 31, 2023 and 2022,
31 Desember 2023 dan 2022, sampai dengan up to the issuance of the consolidated financial
tanggal penyelesaian laporan keuangan statement there is payable amounting to
konsolidasian, masih terdapat kewajiban Rp4,175 that has not been billed by the Tax
sebesar Rp4.175 yang belum ditagihkan oleh Office. Until the issuance of the consolidated
Kantor Pajak. Sampai dengan tanggal financial statement, since the tax billed has
penyelesaian laporan keuangan konsolidasian, already passed the 5 year and already expired
tagihan pajak sudah kadaluarsa, karena in 2023.
melewati batas waktu penagihan yaitu 5 tahun.
81
Page 797
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
16. PERPAJAKAN (lanjutan) 16. TAXATION (continued)
e. Pemeriksaan pajak (lanjutan) e. Tax assessments (continued)
Pemeriksaan tahun pajak 2018 Assessment for fiscal year 2018
Perusahaan telah menerima Surat The Company has received the Assesment
Pemeriksaan Lapangan Tahun Pajak 2018 atas Letter fiscal year 2018 particularly Value Added
Pajak Pertambahan Nilai (PPN) dan Pajak Tax and Withholding Tax for all Pegadaian
Penghasilan (PPh) untuk seluruh NPWP Taxpayer Identification Number (NPWP) in
Pegadaian pada 5 Oktober 2022. Indonesia on October 5th, 2022.
Pada 22 Februari 2023, Perusahaan telah On February 22, 2023, the Company has
menerima Surat Pemberitahuan Hasil received Tax Assesment Result Letter (SPHP).
Pemeriksaan (SPHP). KPP Wajib Pajak Besar Furthermore, KPP Wajib Pajak Besar Empat
Empat telah menerbitkan Surat Ketetapan has issued Tax Underpayment Letter (SKPKB),
Pajak Kurang Bayar (SKPKB), Surat Ketetapan Nill Tax Assesment Letter (SKPN), and Tax
Pajak Nihil (SKPN), dan Surat Tagihan Pajak Collection Letter amounting Rp18,986 with
(STP) dengan total Rp18.986 dengan rincian following details :
sebagai berikut :
2023
Pajak Pertambahan Nilai 2.190 Value Added Tax
Pajak penghasilan: Income tax:
Pasal 21 1.104 Tax article 21
Pasal 22 1.718 Tax article 22
Pasal 23 1.527 Tax article 23
Pasal 29 10.811 Tax article 29
Pasal 4 (2) 1.636 Tax article 4 (2)
Perusahaan telah menyetujui dan menyetorkan The Company has agreed and paid SKPKB and
SKPKB maupun STP atas pemeriksaan pajak STP due to tax assesment result for fiscal year
tahun pajak 2018 sebesar Rp18.986 pada 2018 amounting Rp18,986 on April 10, 2023.
tanggal 10 April 2023.
17. AKRUAL 17. ACCRUALS
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Jasa produksi 1.015.714 882.934 Bonus
Umum 612.412 887.166 General
Pegawai 521.487 532.917 Employee
Administrasi 405.610 571.590 Administration
Tantiem 200.331 200.331 Tantiem
Bunga pinjaman bank dan Interest on bank loans and
surat berharga yang diterbitkan 92.696 125.429 securities issued
Total 2.848.250 3.200.367 Total
18. LIABILITAS LAIN-LAIN 18. OTHER LIABILITIES
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Liabilitas kontinjensi 316.665 492.555 Contingent liabilities
Pinjaman anak perusahaan 220.199 250.163 Subsidiary borrowings
Utang kepada pegawai 123.210 82.589 Payable to employees
Iuran taspen, THT, dan BPJS 39.115 36.523 Taspen, THT and BPJS contribution
Dana kebajikan umat dan
kepedulian sosial 35.703 56.193 Charity and social care fund
Utang lainnya 10.825 726 Others
Total 745.717 918.749 Total
82
Page 798
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
18. LIABILITAS LAIN-LAIN (lanjutan) 18. OTHER LIABILITIES (continued)
Liabilitas kontijensi merupakan cadangan yang Contingent liabililites represent provision that has
dibentuk untuk menutup kerugian yang timbul dari been provided to cover the potential losses arising
kasus hukum atau sengketa. from legal lawsuits or disputes.
Pinjaman anak perusahaan merupakan pinjaman Subsidiary borrowings represent loans from third
modal kerja dari pihak ketiga atas transaksi parties for working capital for purchase of fixed
pembiayaaan untuk pembelian aset tetap. assets.
Perubahan liabilitas kontijensi yang diberikan pada The movement of contingent liabilities as at
31 Desember 2023 dan 2022 adalah sebagai December 31, 2023 and 2022 is as follows:
berikut:
2023 2022
Saldo awal 492.555 530.770 Beginning balance
Pembentukan (pembalikan)
cadangan kerugian penurunan Provision for (reversal of)
nilai (Catatan 33) (175.890) (38.215) impairment losses (Note 33)
Saldo akhir 316.665 492.555 Ending balance
19. PINJAMAN BANK 19. BANK LOANS
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Perusahaan The Company
Pihak berelasi Related parties
Konvensional Conventional
PT Bank Mandiri (Persero) Tbk 10.749.533 6.659.762 PT Bank Mandiri (Persero) Tbk
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 5.244.410 5.492.841 (Persero) Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 3.679.481 2.194.202 (Persero) Tbk
Syariah Sharia
PT Bank Syariah Indonesia Tbk 914.403 837.807 PT Bank Syariah Indonesia Tbk
Subtotal 20.587.827 15.184.612 Subtotal
Pihak ketiga Third parties
Konvensional Conventional
PT Bank Central Asia Tbk 10.084.961 7.087.101 PT Bank Central Asia Tbk
PT Bank BTPN Tbk 1.500.000 - PT Bank BTPN Tbk
PT Bank CIMB Niaga Tbk 450.000 550.000 PT Bank CIMB Niaga Tbk
PT Bank DKI 200.000 200.000 PT Bank DKI
PT Bank Permata Tbk - 650.000 PT Bank Permata Tbk
Syariah Sharia
PT Bank Maybank Indonesia Tbk PT Bank Maybank Indonesia Tbk
- Unit Usaha Syariah 800.000 - - Sharia Business Unit
PT Bank DKI - Unit Usaha Syariah 750.000 750.000 PT Bank DKI - Sharia Business Unit
PT Bank Permata Tbk PT Bank Permata Tbk
- Unit Usaha Syariah 350.000 496.858 - Sharia Business Unit
PT Bank CIMB Niaga Tbk PT Bank CIMB Niaga Tbk
- Unit Usaha Syariah 300.000 200.000 - Sharia Business Unit
PT Bank Muamalat Indonesia Tbk - 150.000 PT Bank Muamalat Indonesia Tbk
Subtotal 14.434.961 10.083.959 Subtotal
Total pinjaman perusahaan 35.022.788 25.268.571 Total Company’s loan
83
Page 799
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
19. PINJAMAN BANK (lanjutan) 19. BANK LOANS (continued)
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Pihak anak Subsidiaries
Pihak berelasi Related party
Konvensional Conventional
PT Bank Mandiri (Persero) Tbk - 2.000 PT Bank Mandiri (Persero) Tbk
Pihak ketiga Third party
Konvensional Conventional
PT Bank Central Asia Tbk 2.000 - PT Bank Central Asia Tbk
Total pinjaman anak 2.000 2.000 Total subsidiaries loan
Total 35.024.788 25.270.571 Total
Fasilitas utang bank yang dimiliki Grup adalah The Group’s bank loans facilities is as follows:
sebagai berikut:
Tingkat bunga rata-rata/
Average interest rate Periode
Batas kredit/ pinjaman/
Bank Credit limit 2023 2022 Loan term Jaminan/Collateral
Perusahaan/The Company
PT Bank Mandiri (Persero) Tbk 1.500.000 Ditentukan saat Ditentukan saat 14 Mei/May PYD dengan nilai jaminan
penarikan/ penarikan/ 2023 - sebesar 100% dari limit
Determined on Determined on 13 Mei/May kredit/Loans with collateral
Withdrawal withdrawal 2024 value of 100% of credit limit
12.500.000 Ditentukan saat Ditentukan saat 14 Mei/May PYD dengan nilai jaminan
penarikan/ penarikan/ 2023 - sebesar 100% dari limit
Determined on Determined on 13 Mei/May kredit/Loans with collateral
Withdrawal withdrawal 2024 value of 100% of credit limit
PT Bank Negara Indonesia 1.000.000 Ditentukan saat Ditentukan saat 15 Januari/ PYD dengan nilai jaminan
(Persero) Tbk penarikan/ penarikan/ January 2023 - sebesar 100% dari limit
Determined on Determined on 14 Januari/ kredit/Loans with collateral
Withdrawal withdrawal January 2024 value of 100% of credit limit
PT Bank Negara Indonesia 4.100.000 Ditentukan saat Ditentukan saat 15 Januari/ PYD dengan nilai jaminan
(Persero) Tbk penarikan/ penarikan/ January 2023 - sebesar 100% dari limit
Determined on Determined on 14 Januari/ kredit/Loans with collateral
withdrawal withdrawal January 2024 value of 100% of credit limit
PT Bank Rakyat Indonesia 1.500.000 Ditentukan saat Ditentukan saat 28 Februari/ PYD dengan nilai jaminan
(Persero) Tbk penarikan/ penarikan/ February 2023 - sebesar 100% dari limit
Determined on Determined on 28 Februari/ kredit/Loans with collateral
Withdrawal withdrawal February 2024 value of 100% of credit limit
4.500.000 Ditentukan saat Ditentukan saat 28 Februari/ PYD dengan nilai jaminan
penarikan/ penarikan/ February 2023 - sebesar 100% dari limit
Determined on Determined on 28 Februari/ kredit/Loans with collateral
withdrawal withdrawal February 2024 value of 100% of credit limit
PT Bank Central Asia Tbk 1.000.000 Ditentukan saat Ditentukan saat 26 Januari/ PYD dengan tanpa jaminan/
penarikan/ penarikan/ January 2023 Loans with non collateral
Determined on Determined on - 26 Januari/
Withdrawal withdrawal January 2024
300.000 Ditentukan saat Ditentukan saat 26 Januari/ PYD dengan tanpa jaminan/
penarikan/ penarikan/ January 2023 Loans with non collateral
Determined on Determined on - 26 Januari/
Withdrawal withdrawal January 2024
17.000.000 Ditentukan saat Ditentukan saat 26 Januari/ PYD dengan tanpa jaminan/
penarikan/ penarikan/ January 2023 Loans with non collateral
Determined on Determined on - 26 Januari/
Withdrawal withdrawal January 2024
84
Page 800
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
19. PINJAMAN BANK (lanjutan) 19. BANK LOANS (continued)
Fasilitas utang bank yang dimiliki Grup adalah The Group’s bank loans facilities is as follows:
sebagai berikut: (lanjutan) (continued)
Tingkat bunga rata-rata/
Average interest rate Periode
Batas kredit/ pinjaman/
Bank Credit limit 2023 2022 Loan term Jaminan/Collateral
Perusahaan/The Company
(lanjutan)/(continued)
PT Bank Permata Tbk 1.150.000 Ditentukan saat Ditentukan saat 25 Oktober/ PYD dengan tanpa jaminan/
penarikan/ penarikan/ October 2023 - Loans with non collateral
Determined on Determined on 25 Oktober/
Withdrawal withdrawal October 2024
PT Bank DKI 200.000 Ditentukan saat Ditentukan saat 19 Mei/May PYD dengan nilai jaminan
penarikan/ penarikan/ 2023 - 19 sebesar 60% dari limit
Determined on Determined on Mei/May 2024 kredit/Loans with collateral
Withdrawal withdrawal value of 60% of credit limit
PT Bank Danamon Indonesia 1.000.000 Ditentukan saat Ditentukan saat 20 Maret/March PYD dengan nilai jaminan
Tbk penarikan/ penarikan/ 2023 - 20 Maret/ sebesar 100% dari limit
Determined on Determined on March 2024 kredit/Loans with collateral
Withdrawal withdrawal value of 100% of credit limit
PT Bank Syariah Indonesia Tbk 300.000 Ditentukan saat Ditentukan saat 10 Februari/ PYD dengan nilai jaminan
penarikan/ penarikan/ February 2023 - sebesar 100% dari limit
Determined on Determined on 10 Februari/ kredit/Loans with collateral
Withdrawal withdrawal February 2024 value of 100% of credit limit
700.000 Ditentukan saat Ditentukan saat 10 Februari/ PYD dengan nilai jaminan
penarikan/ penarikan/ February 2023 - sebesar 100% dari limit
Determined on Determined on 10 Februari/ kredit/Loans with collateral
Withdrawal withdrawal February 2024 value of 100% of credit limit
PT Bank DKI - Unit Usaha 750.000 Ditentukan saat Ditentukan saat 19 Mei/May PYD dengan nilai jaminan
Syariah penarikan/ penarikan/ 2023 - 19 Mei/ sebesar 60% dari limit
Determined on Determined on May 2024 kredit/Loans with collateral
Withdrawal withdrawal value of 60% of credit limit
PT Bank Permata Tbk 600.000 Ditentukan saat Ditentukan saat 25 Oktober/ PYD dengan tanpa jaminan/
- Unit Usaha Syariah penarikan/ penarikan/ October 2023 - Loans with non collateral
Determined on Determined on 25 Oktober/
Withdrawal withdrawal October 2024
PT Bank CIMB Niaga Tbk 750.000 Ditentukan saat Ditentukan saat 16 Mei/May PYD dengan nilai jaminan
- Unit Usaha Syariah penarikan/ penarikan/ 2023 - 16 sebesar 100% dari limit
Determined on Determined on Mei/May 2024 kredit/Loans with collateral
Withdrawal withdrawal value of 100% of credit limit
PT Bank Danamon Indonesia 500.000 Ditentukan saat Ditentukan saat 20 Maret/March PYD dengan nilai jaminan
Tbk - Unit Usaha Syariah penarikan/ penarikan/ 2023 - 20 Maret/ sebesar 100% dari limit
Determined on Determined on March 2024 kredit/Loans with collateral
Withdrawal withdrawal value of 100% of credit limit
PT Bank BTPN Tbk 1.500.000 Ditentukan saat Ditentukan saat 22 September/ Tanpa nilai jaminan/
penarikan/ penarikan/ September 2023 loans without collateral
Determined on Determined on - 30 Agustus
Withdrawal withdrawal /August 2024
PT Bank Maybank Indonesia 800.000 Ditentukan saat Ditentukan saat 20 Agustus/ PYD dengan nilai jaminan
Tbk - Unit Usaha Syariah penarikan/ penarikan/ August 2023 - sebesar 60% dari limit
Determined on Determined on 20 Agustus/ kredit/Loans with collateral
Withdrawal withdrawal August 2024 value of 60% of credit limit
PT Bank Muamalat Indonesia 200.000 Ditentukan saat Ditentukan saat 2 Juni/June PYD dengan nilai jaminan
Tbk - Unit Usaha Syariah penarikan/ penarikan/ 2023 - 2 Juni/ sebesar 100% dari limit
Determined on Determined on June 2024 kredit/Loans with collateral
Withdrawal withdrawal value of 100% of credit limit
85
Page 801
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
19. PINJAMAN BANK (lanjutan) 19. BANK LOANS (continued)
Berikut adalah fasilitas utang bank yang dimiliki The Group’s bank loans facilities is as follows:
Grup adalah sebagai berikut: (lanjutan) (continued)
Tingkat bunga rata-rata/
Average interest rate Periode
Batas kredit/ pinjaman/
Bank Credit limit 2023 2022 Loan term Jaminan/Collateral
Entitas anak/Subsidiaries
PT Bank Central Asia Tbk 50.000 Ditentukan saat Ditentukan saat 6 September/ Modal untuk pembelian
penarikan/ penarikan/ September 2023 logam mulia PT Pegadaian
Determined on Determined on - 6 September/ Galeri Dua Empat/
Withdrawal withdrawal September 2024 Capital for the purchase
of preicous metals and jewelry
PT Pegadaian Galeri Dua Empat
15.000 Ditentukan saat Ditentukan saat 6 September/ Modal untuk pembelian
penarikan/ penarikan/ September 2023 logam mulia PT Pegadaian
Determined on Determined on - 6 September/ Galeri Dua Empat/
Withdrawal withdrawal September 2024 Capital for the purchase
of preicous metals and jewelry
PT Pegadaian Galeri Dua Empat
PT Bank Mandiri (Persero) Tbk 75.000 Ditentukan saat Ditentukan saat 10 Mei/May Modal untuk pembelian
penarikan/ penarikan/ 2023 - 10 logam mulia PT Pegadaian
Determined on Determined on Mei/May 2024 Galeri Dua Empat/
Withdrawal withdrawal Capital for the purchase
of preicous metals and jewelry
PT Pegadaian Galeri Dua Empat
100.000 Ditentukan saat Ditentukan saat 14 Mei/May Modal untuk pembelian
penarikan/ penarikan/ 2023 - 13 logam mulia PT Pegadaian
Determined on Determined on Mei/May 2024 Galeri Dua Empat/
Withdrawal withdrawal Capital for the purchase
of preicous metals and jewelry
PT Pegadaian Galeri Dua Empat
PT Bank DKI - Unit Usaha 50.000 Ditentukan saat Ditentukan saat 26 Juni/June Modal untuk pembelian
Syariah penarikan/ penarikan/ 2023 - 25 logam mulia PT Pegadaian
Determined on Determined on Juni/June 2024 Galeri Dua Empat/
Withdrawal withdrawal Capital for the purchase
of preicous metals and jewelry
PT Pegadaian Galeri Dua Empat
Semua pinjaman bank jatuh tempo dalam kurun All bank loans mature within one year. In the
waktu satu tahun. Dalam perjanjian untuk fasilitas- agreements for these loan facilities, the Group is
fasilitas pinjaman tersebut, Grup diwajibkan required to comply with several affirmative, financial
memenuhi beberapa persyaratan afirmatif, and negative conditions. These requirements
persyaratan keuangan, serta persyaratan negatif. include maintaining the NPL (Non Performing Loan)
Persyaratan tersebut diantaranya adalah ratio, current ratio, debt to capital ratio, ensuring that
memelihara rasio NPL (Non Performing Loan), rasio loans are used according to their needs, declaring
lancar, rasio utang terhadap modal, memastikan bankruptcy, and changing business objectives
pinjaman digunakan sesuai dengan peruntukannya, without the knowledge of the bank.
menyatakan pailit, dan merubah tujuan usaha tanpa
sepengetahuan bank.
Selama tahun yang berakhir pada 31 Desember During the years ended December 31, 2023 and
2023 dan 2022, Grup telah memenuhi ketentuan 2022, the Group has fulfilled all covenants and
tentang pembatasan-pembatasan dan kewajiban- obligations according to the loan agreement.
kewajiban sebagaimana disepakati dalam perjanjian
pinjaman.
86
Page 802
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
19. PINJAMAN BANK (lanjutan) 19. BANK LOANS (continued)
Berikut merupakan rincian fasilitas pinjaman bank The following are listing bank loan facility has not yet
yang belum digunakan penuh, antara lain: been used, consist of:
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Perusahaan The Company
PT Bank Central Asia Tbk 8.215.039 2.312.899 PT Bank Central Asia Tbk
PT Bank Mandiri (Persero) Tbk 3.250.467 5.340.237 PT Bank Mandiri (Persero) Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 1.420.519 3.905.798 (Persero) Tbk
PT Bank Permata Tbk 1.150.000 150.000 PT Bank Permata Tbk
PT Bank Danamon Indonesia Tbk 1.000.000 1.000.000 PT Bank Danamon Indonesia Tbk
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 755.590 507.159 (Persero) Tbk
PT Bank Danamon Indonesia Tbk PT Bank Danamon Indonesia Tbk
- Unit Usaha Syariah 500.000 1.000.000 - Sharia Business Unit
PT Bank Permata Tbk PT Bank Permata Tbk
- Unit Usaha Syariah 250.000 103.142 - Sharia Business Unit
PT Bank Muamalat Indonesia Tbk 200.000 50.000 PT Bank Muamalat Indonesia Tbk
PT Bank Syariah Indonesia Tbk 85.597 262.193 PT Bank Syariah Indonesia Tbk
PT Bank Maybank Indonesia Tbk PT Bank Maybank Indonesia Tbk
- Unit Usaha Syariah - 800.000 - Sharia Business Unit
PT Bank BTPN Tbk - 500.000 PT Bank BTPN Tbk
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Jawa Barat dan Banten Tbk - 300.000 Jawa Barat dan Banten Tbk
Subtotal 16.827.212 16.231.428 Subtotal
Entitas Anak Subsidiaries
PT Bank Mandiri (Persero) Tbk 175.000 173.000 PT Bank Mandiri (Persero) Tbk
PT Bank Central Asia Tbk 63.000 - PT Bank Central Asia Tbk
PT Bank DKI - Unit Usaha Syariah 50.000 - PT Bank DKI - Sharia Business Unit
Subtotal 288.000 173.000 Subtotal
Total 17.115.212 16.404.428 Total
Sebagai komitmen dalam menerapkan ESG As a commitment in implementing ESG Financing,
Financing, Perusahaan pada tanggal 21 Desember the Company signed a social loan agreement with
2023 menandatangani kerjasama social loan PT Bank Tabungan Pensiunan Nasional Tbk
dengan PT Bank Tabungan Pensiunan Nasional (“PT Bank BTPN Tbk”) on December 21, 2023 with
Tbk (“PT Bank BTPN Tbk”) dengan plafon senilai a plafond of Rp500,000.
Rp500.000.
Selama tahun 2023 penyaluran kredit berbasis Throughout the year 2023, the disbursement of
social yang sesuai dengan framework Social social-based loans, in accordance with the Social
Financing yang dirancang untuk memperluas akses Financing framework designed to expand access to
pemberian pinjaman pendidikan, pengembangan Education, Development of SMEs, and Individual
UMKM dan pinjaman individu melalui Gadai Peduli through Gadai Peduli, amounted to Rp271.817, with
adalah sebesar Rp271.817 dengan sisa pinjaman the remaining loan as of December 31, 2023, being
pada 31 Desember 2023 sebesar Rp75.165. Rp75,165.
20. SURAT BERHARGA YANG DITERBITKAN 20. SECURITIES ISSUED
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Obligasi 6.546.664 9.648.010 Bond Payables
Sukuk 1.651.340 2.643.300 Sukuk
Total 8.198.004 12.291.310 Total
87
Page 803
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
20. SURAT BERHARGA YANG DITERBITKAN 20. SECURITIES ISSUED (continued)
(lanjutan)
Obligasi Bond payables
Tingkat
bunga tetap
Tanggal per tahun/
Jangka waktu/ Tanggal mulai/ jatuh tempo/ Fixed interest rate Peringkat/
Jenis/Type Term Start date Maturity date per annum Rating 2023 2022
Obligasi Berkelanjutan
V Tahap IV Seri A/
Continuous Bonds 24 Agustus/ 4 September/
V Phase IV Series A 1 tahun/years August 2023 September 2024 5,90% idAAA**) 2.205.135 -
Obligasi Berkelanjutan
V Tahap III Seri A/
Continuous Bonds 16 Juni/ 26 Juni/
V Phase III Series A 1 tahun/years June 2023 June 2024 5,80% idAAA**) 1.595.000 -
Obligasi Berkelanjutan
IV Tahap IV Seri B/
Continuous Bonds 06 April/ 06 April/
IV Phase IV Series B 3 tahun/years April 2021 April 2024 6,20% idAAA*) 1.107.500 1.107.500
Obligasi Berkelanjutan
V Tahap I Seri B/
Continuous Bonds 26 April/ 26 April/
V Phase I Series B 3 tahun/years April 2022 April 2025 5,35% idAAA*) 598.000 598.000
Obligasi Berkelanjutan
V Tahap III Seri B/
Continuous Bonds 16 Juni/ 16 Juni/
V Phase III Series B 3 tahun/years June 2023 June 2026 6,20% idAAA**) 400.000 -
Obligasi Berkelanjutan
V Tahap II Seri B/
Continuous Bonds 16 Agustus/ 16 Agustus/
V Phase II Series B 3 tahun/years August 2022 August 2025 5,75% idAAA*) 276.000 276.000
Obligasi Berkelanjutan
V Tahap IV Seri B/
Continuous Bonds 24 Agustus/ 24 Agustus/
V Phase IV Series B 3 tahun/years August 2023 August 2026 5,90% idAAA**) 228.025 -
Obligasi Berkelanjutan
IV Tahap II Seri C/
Continuous Bonds 8 Juli/ 8 Juli/
IV Phase II Series C 5 tahun/years July 2020 July 2025 7,95% idAAA*) 142.000 142.000
Obligasi Berkelanjutan
V Tahap I Seri A/
Continuous Bonds 26 April/ 06 Mei/
V Phase I Series A 1 tahun/years April 2022 May 2023 3,60% idAAA*) - 2.431.000
Obligasi Berkelanjutan
III Tahap II Seri C/
Continuous Bonds III 16 Maret/ 16 Maret/
Phase II Series C 5 tahun/years March 2018 March 2023 7,10% idAAA*) - 2.000.000
Obligasi Berkelanjutan
V Tahap II Seri A/
Continuous Bonds 16 Agustus/ 26 Agustus/
V Phase II Series A 1 tahun/years August 2022 August 2023 3,95% idAAA*) - 1.601.000
Obligasi Berkelanjutan
IV Tahap III Seri B/
Continuous Bonds 22 September/ 22 September/
IV Phase III Series B 3 tahun/years September 2020 September 2023 6,45% idAAA*) - 1.125.000
Obligasi Berkelanjutan
IV Tahap II Seri B/
Continuous Bonds 8 Juli/ 8 Juli/
IV Phase II Series B 3 tahun/years July 2020 July 2023 7,60% idAAA*) - 303.000
*) Berdasarkan surat PT Pefindo terkait sertifikat pemantauan *) Based on PT Pefindo's certificate of rating monitoring for Sustainable
pemeringkatan atas perusahaan Obligasi Berkelanjutan tanggal 2 Bond companies dated February 2, 2023 for the period valid from
Februari 2023 untuk periode yang berlaku dari tanggal 2 Februari 2023 February 2, 2023 to 1 February 2024 with the following letter details:
sampai tanggal 1 Februari 2024 dengan rincian surat sebagai berikut:
No. : RC-071/PEF-DIR/II/2023 No. : RC-071/PEF-DIR/II/2023
No. : RC-070/PEF-DIR/II/2023 No. : RC-070/PEF-DIR/II/2023
No. : RC-068/PEF-DIR/II/2023 No. : RC-068/PEF-DIR/II/2023
**) Berdasarkan Sertifikat Jumbo Obligasi yang terbit di tahun 2023 dengan **) Based on the Jumbo Bond Certificate issued in 2023 with the following
rincian surat sebagai berikut: letter details:
No. : 1920/00023.00/2023 No. : 1920/00023.00/2023
No. : 1921/00023.00/2023 No. : 1921/00023.00/2023
No. : 1272/00023.00/2023 No. : 1272/00023.00/2023
No. : 1273/00023.00/2023 No. : 1273/00023.00/2023
88
Page 804
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
20. SURAT BERHARGA YANG DITERBITKAN 20. SECURITIES ISSUED (continued)
(lanjutan)
Obligasi (lanjutan) Bond payables (continued)
Tingkat
bunga tetap
Tanggal per tahun/
Jangka waktu/ Tanggal mulai/ jatuh tempo/ Fixed interest rate Peringkat/
Jenis/Type Term Start date Maturity date per annum Rating 2023 2022
Obligasi Berkelanjutan
IV Tahap I Seri B/
Continuous Bonds 13 Mai/ 13 Mei/
IV Phase I Series B 3 tahun/years May 2020 May 2023 7,70% idAAA*) - 70.000
Obligasi yang beredar/Outstanding bonds 6.551.660 9.653.500
Diskonto yang belum diamortisasi/Unamortised discount (4.996) (5.490)
Bersih/Net 6.546.664 9.648.010
*) Berdasarkan surat PT Pefindo terkait sertifikat pemantauan *) Based on PT Pefindo's certificate of rating monitoring for Sustainable
pemeringkatan atas perusahaan Obligasi Berkelanjutan tanggal 2 Bond companies dated February 2, 2023 for the period valid from
Februari 2023 untuk periode yang berlaku dari tanggal 2 Februari 2023 February 2, 2023 to 1 February 2024 with the following letter details:
sampai tanggal 1 Februari 2024 dengan rincian surat sebagai berikut:
No. : RC-071/PEF-DIR/II/2023 No. : RC-071/PEF-DIR/II/2023
No. : RC-070/PEF-DIR/II/2023 No. : RC-070/PEF-DIR/II/2023
No. : RC-068/PEF-DIR/II/2023 No. : RC-068/PEF-DIR/II/2023
Wali amanat untuk penerbitan obligasi adalah The trustee for the bonds issued is PT Bank Mega
PT Bank Mega Tbk. Perusahaan telah memenuhi Tbk. The Company has complied with all covenants
semua pembatasan yang diwajibkan serta and pay the interest and principal amount through
pembayaran bunga dan nilai pokok obligasi melalui Indonesian Central Securities Depository (“KSEI”)
Kustodian Sentral Efek Indonesia (“KSEI”). as scheduled.
Tabel berikut merupakan informasi mengenai surat The following table consist of information related to
berharga yang telah jatuh tempo dan dibayar penuh securities that has been matured in 2023 and fully
pada tahun 2023: paid:
Tanggal jatuh Tanggal
Tanggal mulai/ tempo/ pembayaran/
Jenis/Type Start date Maturity date Payment date Pokok/Principal
Obligasi Berkelanjutan III/Continuous Bond III
Obligasi Berkelanjutan III Tahap II Seri C/ 16 Maret/ 16 Maret/ 15 Maret/
Continuous Bonds III Phase II Series C March 2018 March 2023 March 2023 2.000.000
Obligasi Berkelanjutan IV/Continuous Bond IV
Obligasi Berkelanjutan IV Tahap I Seri B/ 13 Mei/ 13 Mei/ 12 Mei/
Continuous Bonds IV Phase I Series B May 2020 May 2023 May 2023 70.000
Obligasi Berkelanjutan IV Tahap II Seri B/ 8 Juli/ 8 Juli/ 7 Juli/
Continuous Bonds IV Phase II Series B July 2020 July 2023 July 2023 303.000
Obligasi Berkelanjutan IV Tahap III Seri B/ 22 September/ 22 September/ 21 September/
Continuous Bonds IV Phase III Series B September 2020 September 2023 September 2023 1.125.000
Obligasi Berkelanjutan V/Continuous Bond V
Obligasi Berkelanjutan V Tahap I Seri A/ 26 April/ 6 Mei/ 5 Mei/
Continuous Bonds V Phase I Series A April 2022 May 2023 May 2023 2.431.000
Obligasi Berkelanjutan V Tahap II Seri A/ 16 Agustus/ 26 Agustus/ 25 Agustus/
Continuous Bonds V Phase II Series A August 2022 August 2023 August 2023 1.601.000
89
Page 805
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
20. SURAT BERHARGA YANG DITERBITKAN 20. SECURITIES ISSUED (continued)
(lanjutan)
Sukuk Sukuk
Tingkat
bunga tetap
Tanggal per tahun/
Jangka waktu/ Tanggal mulai/ jatuh tempo/ Fixed interest rate Peringkat/
Jenis/Type Term Start date Maturity date per annum Rating 2023 2022
Sukuk Berkelanjutan
II Tahap III Seri A/
Continuous Bonds 16 Juni/ 26 Juni/
II Phase III 1 tahun/years June 2023 June 2024 5,80% idAAA sya****) 605.000 -
Sukuk Berkelanjutan
II Tahap I Seri B/
Continuous Bonds 26 April/ 26 April/
II Phase I Series B 3 tahun/years April 2022 April 2025 5,35% idAAA sya***) 320.000 320.000
Sukuk Berkelanjutan
II Tahap II Seri B/
Continuous Bonds 16 Agustus/ 16 Agustus/
II Phase II Series B 3 tahun/years August 2022 August 2025 5,75% idAAA sya***) 245.000 245.000
Sukuk Berkelanjutan
II Tahap IV Seri A/
Continuous Bonds 24 Agustus/ 24 Agustus/
III Phase IV 3 tahun/years August 2023 August 2026 5,90% idAAA sya****) 235.040 -
Sukuk Berkelanjutan
I Tahap IV Seri B/
Continuous Bonds 6 April/ 6 April/
I Phase IV Series B 3 tahun/years April 2021 April 2024 6,20% idAAA sya***) 165.800 165.800
Sukuk Berkelanjutan
I Tahap II Seri C/
Continuous Bonds 8 Juli/ 8 Juli/
I Phase II Series C 5 tahun/years July 2020 July 2025 7,95% idAAA sya***) 80.500 80.500
Sukuk Berkelanjutan
II Tahap II Seri A/
Continuous Bonds 16 Agustus/ 26 Agustus/
II Phase II Series A 1 tahun/year August 2022 August 2023 3,95% idAAA sya***) - 878.000
Sukuk Berkelanjutan
II Tahap I Seri A/
Continuous Bonds 26 April/ 6 Mei/
II Phase I Series A 1 tahun/year April 2022 May 2023 3,60% idAAA sya***) - 671.000
Sukuk Berkelanjutan
I Tahap III Seri B/
Continuous Bonds 22 September/ 22 September/
I Phase III Series B 3 tahun/years September 2020 September 2023 6,45% idAAA sya***) - 131.000
Sukuk Berkelanjutan
I Tahap II Seri B/
Continuous Bonds 8 Juli/ 8 Juli/
I Phase II Series B 3 tahun/years July 2020 July 2023 7,60% idAAA sya***) - 103.000
Sukuk Berkelanjutan
I Tahap I Seri B/
Continuous Sukuk 13 Mei/ 13 Mei/
I Phase I Series B 3 tahun/years May 2020 May 2023 7,70% idAAA sya***) - 49.000
Bersih/Net 1.651.340 2.643.300
***) Berdasarkan surat PT Pefindo sertifikat pemantauan pemeringkatan ***) Based on PT Pefindo's certificate of rating monitoring for Sustainable
atas perusahaan Sukuk Mudharabah Berkelanjutan tanggal 2 Februari Sukuk Mudharabah companies dated February 2, 2023 for the period
2023 untuk periode yang berlaku dari tanggal 2 Februari 2023 sampai valid from February 2, 2023 to 1 February 2024 with the following letter
1 Februari 2024 dengan rincian surat sebagai berikut: details:
No. : RC-072/PEF-DIR/II/2023 No. : RC-072/PEF-DIR/II/2023
****) Berdasarkan Sertifikat Jumbo Sukuk Mudharabah yang terbit di tahun ****) Based on the Jumbo Sukuk Mudharabah Certificate issued in 2023 with
2023 dengan rincian surat sebagai berikut: the following letter details:
No. : 1922/00023.00/2023 No. : 1922/00023.00/2023
No. : 1274/00023.00/2023 No. : 1274/00023.00/2023
90
Page 806
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
20. SURAT BERHARGA YANG DITERBITKAN 20. SECURITIES ISSUED (continued)
(lanjutan)
Sukuk (lanjutan) Sukuk (continued)
Tabel berikut merupakan informasi mengenai surat The following table consist of information related to
berharga yang telah jatuh tempo dan dibayar penuh securities that has been matured in 2023 and fully
pada tahun 2023: paid:
Tanggal jatuh Tanggal
Tanggal mulai/ tempo/ pembayaran/
Jenis/Type Start date Maturity date Payment date Pokok/Principal
Sukuk Berkelanjutan I/Continuous Bond I
Sukuk Berkelanjutan I Tahap I Seri B/ 13 Mei/ 13 Mei/ 12 Mei/
Continuous Bonds I Phase I Series B May 2020 May 2023 May 2023 49.000
Sukuk Berkelanjutan I Tahap II Seri B/ 8 Juli/ 8 Juli/ 7 Juli/
Continuous Bonds I Phase II Series B July 2020 July 2023 July 2023 103.000
Sukuk Berkelanjutan I Tahap III Seri B/ 22 September/ 22 September/ 21 September/
Continuous Bonds I Phase III Series B September 2020 September 2023 September 2023 131.000
Sukuk Berkelanjutan II/Continuous Bond II
Sukuk Berkelanjutan II Tahap I Seri A/ 26 April/ 6 Mei/ 5 Mei/
Continuous Bonds I Phase II Series A April 2022 May 2023 May 2023 671.000
Sukuk Berkelanjutan II Tahap II Seri A/ 16 Agustusl/ 26 Agustus/ 25 Agustus/
Continuous Bonds I Phase II Series A August 2022 August 2023 August 2023 878.000
Wali amanat untuk penerbitan sukuk adalah The trustee for the sukuk issued is PT Bank Mega
PT Bank Mega Tbk. Perusahaan telah memenuhi Tbk. The Company has complied with all covenants
semua pembatasan yang diwajibkan serta telah and fulfilled the payment of interest and principal
memenuhi pembayaran bunga dan nilai pokok amount through Indonesian Central Securities
obligasi melalui Kustodian Sentral Efek Indonesia Depository (“KSEI”) as scheduled.
(“KSEI”).
21. PINJAMAN DARI PEMERINTAH 21. LOAN FROM GOVERNMENT
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Pinjaman kepada Pusat Loans from Government
Investasi Pemerintah 26.593 372.184 Investment Center
Pinjaman kepada Pusat Investasi Pemerintah telah Loans from Government Investment Center are in
sesuai dengan Nota Kesepahaman antara Pusat accordance with Memorandum of Understanding
Investasi Pemerintah (“PIP”) dengan Perusahaan between the Government Investment Center (“PIP”)
No. PRJ-2/IP/2017 dan No. 339/00013.03/2017, and the Company No. PRJ-2/IP/2017 and
tanggal 5 Mei 2017, tentang Pelaksanaan No: 339/00013.03/2017, dated May 5, 2017, on the
Penyaluran Pembiayaan Ultra Mikro (UMi). Implementation of Ultra Micro Financing (UMi).
Berdasarkan Peraturan Menteri Keuangan Pursuant to Regulation of the Minister of Finance
No. 95/PMK.05/2018 tanggal 14 Agustus 2018 No. 95/PMK.05/2018 dated August 14, 2018
tentang Pembiayaan Ultra Mikro (PMK), PIP selaku regarding Ultra Micro Financing (PMK), PIP as the
Badan Layanan Umum (BLU) wajib untuk Public Service Agency (BLU) is obliged to
melaksanakan Program Pembiayaan Ultra Mikro implement Ultra Micro Financing Program (UMi),
(UMi), yang bertujuan untuk: which aims to:
1. Menyediakan fasilitas pembiayaan yang mudah 1. Provide easy and inexpensive financing facility
dan murah bagi Usaha Mikro for Micro Business.
2. Menambah jumlah wirausaha yang terfasilitasi 2. Increase the number of entrepreneurs
oleh Pemerintah termasuk wirausaha baru facilitated by the Government including new
entrepreneurs.
3. Meningkatkan nilai ekonomis nasabah 3. Increase customer's economic value.
91
Page 807
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. LIABILITAS IMBALAN KERJA 22. EMPLOYEE BENEFITS LIABILITIES
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Imbalan pensiun dan Pension benefit and other
pasca kerja lainnya 1.345.596 1.425.324 post-employment benefit
Imbalan jangka panjang lainnya 374.493 314.874 Other long-term employee benefit
Total 1.720.089 1.740.198 Total
Imbalan pensiun dan pasca kerja lainnya terdiri dari Pension benefit and other post employement benefit
Program Dana Pensiun, Program Uang Kompensasi consist of Pension Program, Compensation and
Pemutusan Hubungan Kerja, Program Santunan Termination Program, Death Compensation and
Meninggal Dunia dan Penghargaan Pensiun, dan Pension Reward, and Difference on
Program Selisih UU No. 13/2003 dengan DPLK dan UU No. 13/2003 with DPLK and Severance
Uang Pisah berdasarkan ketentuan Undang-undang Payment under the provisions of Job Creation Law
No. 13/2003, Peraturan Pemerintah No. 35/2021, No. 13/2003, Government Regulation No. 35/2021,
dan Peraturan Perusahaan. and Company’s Regulation.
Imbalan jangka panjang lainnya terdiri dari Program Other long-term employee benefit consists of Long
Cuti Besar, Program Masa Persiapan Pensiun, dan Leave Program, Pension Preparation Program, and
Program Penghargaan Masa Kerja. Long Service Award Program.
Imbalan kerja untuk tahun yang berakhir Employee benefits for the year ended December 31,
31 Desember 2023 dan tahun yang berakhir pada 2023 and year ended December 31, 2022 is
31 Desember 2022 dihitung oleh aktuaris calculated by an independent actuary KKA Agus
independen KKA Agus Susanto dengan Susanto which used the projected unit credit
menggunakan metode projected unit credit. Berikut method. The following are highlights disclosed in the
ini adalah hal-hal penting yang diungkapkan dalam actuarial report dated January 9, 2024 and January
laporan aktuarial masing-masing tertanggal 5, 2023, respectively.
9 Januari 2024 dan 5 Januari 2023.
Asumsi aktuarial utama yang digunakan adalah The principal actuarial assumptions used is as
sebagai berikut: follows:
2023 2022
Tingkat diskonto 6,70% - 7,00% 6,90% - 7,30% Discount rate
Kenaikan gaji di masa datang 5,00% - 7,00% 5,00% - 7,00% Future salary increase
Tingkat kematian GAM - 1971 GAM - 1971 Mortality rate
TMI IV - 2019 TMI IV - 2019
Usia pensiun normal 56 tahun/years old 56 tahun/years old Normal retirement age
Tingkat cacat 0,01 per tahun/year 0,01 per tahun/year Disability rate
Metode Projected Unit Credit Projected Unit Credit Method
Imbalan pensiun dan pasca kerja lainnya Pension benefits and other post-employment
benefit
Imbalan pensiun dan pasca kerja lainnya yang The pension benefits and other post-employment
diakui di laporan posisi keuangan konsolidasian benefits recognised in the consolidated statement of
adalah sebagai berikut: financial position are as follows:
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Nilai kini kewajiban 3.665.055 3.365.818 Present value of obligation
Nilai wajar aset program (2.319.459) (1.940.494) Fair value of plan assets
Imbalan pensiun dan Pension benefits and other
pasca kerja lainnya - bersih 1.345.596 1.425.324 post-employment benefit - net
92
Page 808
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. LIABILITAS IMBALAN KERJA (lanjutan) 22. EMPLOYEE BENEFITS LIABILITIES (continued)
Imbalan pensiun dan pasca kerja lainnya Pension benefits and other post-employment
(lanjutan) benefit (continued)
Mutasi imbalan pensiun dan pasca kerja lainnya The movement of net pension benefits and other
adalah sebagai berikut: Post employment benefit are as follows:
31 Desember/December 31, 2023
Liabilitas imbalan
pasca kerja/
Nilai kini Post-
kewajiban/ Nilai wajar asset employment
Present value program/Fair value benefit
of obligation of plan assets obligations
Saldo awal tahun 3.365.818 (1.940.494) 1.425.324 Beginning balance
Biaya jasa kini 139.860 - 139.860 Current service cost
Beban/(penghasilan) bunga 233.617 (133.894) 99.723 Interest expense/(income)
Pengukuran kembali: Remeasurement:
- Imbal hasil atas aset - 87.433 87.433 Return on plan assets -
- Perubahan asumsi Change in -
demografi - - - demographic assumption
- Perubahan asumsi Change in -
Keuangan 81.840 - 81.840 financial assumption
- Penyesuaian pengalaman 43.537 - 43.537 Experience adjustment -
kewajiban on obligation
Iuran - - - Contribution paid
Biaya jasa lalu - - - Past service cost
Imbalan yang dibayar (199.617) (332.504) (532.121) Benefit paid
Saldo akhir periode 3.665.055 (2.319.459) 1.345.596 Ending balance period
31 Desember/December 31, 2022
Liabilitas imbalan
pasca kerja/
Nilai kini Post-
kewajiban/ Nilai wajar asset employment
Present value program/Fair value benefit
of obligation of plan assets obligations
Saldo awal tahun 3.447.309 (1.774.054) 1.673.255 Beginning balance
Biaya jasa kini 132.896 - 132.896 Current service cost
Beban/(penghasilan) bunga 211.896 (106.443) 105.453 Interest expense/(income)
Pengukuran kembali: Remeasurement:
- Imbal hasil atas aset - 515 515 Return on plan assets -
- Perubahan asumsi Change in -
demografi - - - demographic assumption
- Perubahan asumsi Change in -
keuangan (183.991) - (183.991) financial assumption
- Penyesuaian pengalaman Experience adjustment -
kewajiban (2.033) - (2.033) on obligation
Iuran - (186.268) (186.268) Contribution paid
Biaya jasa lalu 214 - 214 Past service cost
Imbalan yang dibayar (240.473) 125.756 (114.717) Benefit paid
Saldo akhir periode 3.365.818 (1.940.494) 1.425.324 Ending balance period
Jumlah yang diakui pada laba rugi konsolidasian The amounts recognised in the consolidated profit
adalah sebagai berikut: or loss is as follows:
2023 2022
Beban bunga 99.723 105.453 Interest expense
Beban jasa kini 139.860 132.896 Current service cost
Biaya jasa lalu - 214 Past service cost
Total 239.583 238.563 Total
93
Page 809
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. LIABILITAS IMBALAN KERJA (lanjutan) 22. EMPLOYEE BENEFITS LIABILITIES (continued)
Imbalan pensiun dan pasca kerja lainnya Pension benefits and other post-employment
(lanjutan) benefit (continued)
Jumlah yang diakui pada laba rugi komprehensif lain The amounts recognised in other comprehensive
adalah sebagai berikut: income are as follows:
2023 2022
Perubahan asumsi keuangan 81.840 (183.991) Change in financial assumption
Perubahan asumsi demografi - - Change in demographic assumption
Imbal hasil aset program 87.433 515 Return on plan assets
Penyesuaian pengalaman kewajiban 43.537 (2.033) Experience adjustment on obligation
Total 212.810 (185.509) Total
Durasi rata-rata tertimbang dari liabilitas program The weighted average duration of the defined
pensiun imbalan pasti pada tanggal 31 Desember benefit pension obligation at 31 December 2023 are
2023 adalah 9,97 tahun (2022: 10,26 tahun) (tidak 9.97 years (2022: 10.26 years) (unaudited).
diaudit).
Analisis jatuh tempo yang diharapkan dari manfaat Expected maturity analysis of undiscounted other
selain program dana pensiun yang tidak than pension fund program benefits is as follows
didiskontokan adalah sebagai berikut (tidak diaudit): (unaudited):
2023 2022
Dalam 1 tahun 1.679.108 1.474.000 Within 1 year
Antara 2 sampai 5 tahun 394.947 291.443 Between 2 and 5 years
Antara 6 sampai 10 tahun 998.403 980.316 Between 6 and 10 years
Lebih dari 10 tahun 10.040.912 8.389.110 More than 10 years
Total 13.113.370 11.134.869 Total
Sensitivitas liabilitas pensiun imbalan pensiun pasti The sensitivity of the defined benefit pension and
dan pasca kerja lainnya untuk perubahan asumsi other post employment benefit to changes in the
aktuarial pokok adalah sebagai berikut (tidak principal actuarial assumptions are as follows
diaudit): (unaudited):
31 Desember/December 31, 2023
Dampak pada kewajiban
imbalan pasti/
Impact on defined
benefit obligation
Perubahan Kenaikan Penurunan
asumsi/ asumsi/ asumsi/
Change in Increase in Decrease in
assumption assumption assumption
Tingkat diskonto 1% (301.217) 352.243 Discount rate
Tingkat kenaikan gaji di
masa dating 1% 183.498 (159.901) Future salary increase
94
Page 810
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. LIABILITAS IMBALAN KERJA (lanjutan) 22. EMPLOYEE BENEFITS LIABILITIES (continued)
Imbalan pensiun dan pasca kerja lainnya Pension benefits and other post-employment
(lanjutan) benefit (continued)
Sensitivitas liabilitas pensiun imbalan pensiun pasti The sensitivity of the defined benefit pension and
dan pasca kerja lainnya untuk perubahan asumsi other post employment benefit to changes in the
aktuarial pokok adalah sebagai berikut (tidak principal actuarial assumptions are as follows
diaudit): (lanjutan) (unaudited): (continued)
31 Desember/December 31, 2022
Dampak pada kewajiban
imbalan pasti/
Impact on defined
benefit obligation
Perubahan Kenaikan Penurunan
asumsi/ asumsi/ asumsi/
Change in Increase in Decrease in
assumption assumption assumption
Tingkat diskonto 1% (272.300) 315.865 Discount rate
Tingkat kenaikan gaji di
masa dating 1% 173.224 (153.371) Future salary increase
Aset program terdiri dari: Plan assets comprise the following:
2023 2022
Instrumen utang 64,51% 66,11% Debt instruments
Bangunan 1,97% 9,45% Buildings
Instrumen ekuitas 8,73% 11,62% Equity instruments
Deposito berjangka 10,70% 2,01% Time deposits
Reksadana 7,83% 3,35% Mutual funds
Lain-lain 6,26% 7,46% Others
100,00% 100,00%
Mutasi liabilitas imbalan kerja jangka panjang The movements of other long-term employee
lainnya yang diakui pada laporan posisi keuangan benefit liabilities recognised in the consolidated
konsolidasian adalah sebagai berikut: statements of financial position is as follows:
2023 2022
Saldo awal 314.874 259.037 Beginning balance
Reklasifikasi - 20.028 Reclassification
Jumlah yang dibebankan pada Amount charged
laba rugi 118.770 115.317 to profit or loss
Imbalan yang dibayarkan (59.151) (79.508) Benefit paid
Saldo akhir 374.493 314.874 Ending balance
Jumlah yang diakui pada laba rugi konsolidasian The amounts recognised in the consolidated profit
adalah sebagai berikut: or loss are as follows:
2023 2022
Beban jasa kini 36.583 30.422 Current service cost
Beban jasa lalu – Vested - 51.915 Past service expense - Vested
Beban bunga 22.986 20.930 Interest expense
Pengukuran kembali yang diakui Remeasurement recognised
selama tahun berjalan 59.201 12.050 during the year
Total 118.770 115.317 Total
95
Page 811
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
23. EKUITAS 23. EQUITY
a. Modal saham a. Share capital
Susunan pemegang saham Perusahaan pada The composition of the Company’s shareholder
tanggal 31 Desember 2023 dan 2022 adalah as at December 31, 2023 and 2022 is as
sebagai berikut: follows:
31 Desember/December 31, 2023 dan 2022
Jumlah saham
ditempatkan dan
disetor penuh/ Persentase
Total issued kepemilikan/
and fully Percentage of
Pemegang saham paid shares ownership Jumlah/Total Shareholder
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk. (Persero) Tbk.
(Saham Seri B) 6.249.999 99,99998% 6.249.999 (Series B Common Shares)
Pemerintah Republik The Government of the
Indonesia Republic of Indonesia
(Saham Seri A Dwiwarna) 1 0,00002% 1 (Series A Dwiwarna Share)
Total 6.250.000 100% 6.250.000 Total
Berdasarkan Peraturan Pemerintah Republik Based on Regulation of The Government of
Indonesia Nomor 73 Tahun 2021 tentang The Republic of Indonesia Number 73 of 2021
“Penambahan Penyertaan Modal Negara on Additional on Share Capital of The Republic
Republik Indonesia ke dalam Modal Saham of Indonesia into the Share Capital of The
Perusahaan PT Bank Rakyat Indonesia Company PT Bank Rakyat Indonesia (Persero)
(Persero) Tbk” tertanggal 2 Juli 2021, Tbk” dated July 2, 2021, the Government of the
Pemerintah Republik Indonesia melakukan Republic of Indonesia made additional share
penambahan penyertaan modal ke dalam capital into the share capital of the Company
modal saham Perusahaan PT Bank Rakyat PT Bank Rakyat Indonesia (Persero) Tbk which
Indonesia (Persero) Tbk yang dilakukan melalui was carried out by taking a full share amounting
pengambilan bagian secara penuh sebanyak to 6,249,999 (full amount) shares of series B of
6.249.999 (nilai penuh) saham seri B PT Pegadaian (Persero) and has been
PT Pegadaian (Persero) dan telah diubah changed in the Company’s Articles of
dalam Anggaran Dasar Perseroan No. 15 Association No. 15 dated September 23, 2021.
tanggal 23 September 2021.
b. Pencadangan saldo laba b. Appropriation of retained earnings
Berdasarkan Risalah Rapat Umum Pemegang Based on the Minutes of Annual General
Saham No. 725 yang diadakan pada tanggal 23 Meeting of Shareholder No. 725 on June 23,
Juni 2023, para pemegang saham menyetujui 2023, the shareholders approved to allocate
untuk mengalokasikan sejumlah Rp3.298.312 amounting to Rp3,298,312 from the 2022
yang berasal dari hasil operasi tahun 2022 operating result for general reserve as at 31
untuk cadangan umum pada tanggal 31 December 2023.
Desember 2023.
Berdasarkan Risalah Rapat Umum Pemegang Based on the Minutes of Annual General
Saham No. 28 yang diadakan pada tanggal 27 Meeting of Shareholder No. 28 on April 27,
April 2022, para pemegang saham menyetujui 2022, the shareholders approved to allocate
untuk mengalokasikan sejumlah Rp970.708 amounting to Rp970,708 from the 2021
yang berasal dari hasil operasi tahun 2021 operating result for general reserve as at
untuk cadangan umum pada tanggal 31 31 December 2022.
Desember 2022.
96
Page 812
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
23. EKUITAS (lanjutan) 23. EQUITY (continued)
c. Pembagian dividen c. Dividend distribution
Berdasarkan Risalah Rapat Umum Pemegang Based on the Minutes of Annual General
Saham No. 725 yang diadakan pada tanggal 23 Meeting of Shareholder No. 725 on June 23,
Juni 2023, para pemegang saham menyetujui 2023, the shareholders agreed that there would
untuk tidak ada pembagian dividen di tahun be no dividend distribution in 2023 (2022:
2023 (2022: Rp1.456.062). Rp1,456,062)
.
24. KEPENTINGAN NON-PENGENDALI 24. NON-CONTROLLING INTERESTS
Perubahan kepentingan non-pengendali atas aset Movements in the non-controlling interests’ share in
bersih entitas anak adalah sebagai berikut: the net asset of the subsidiaries are as follows:
2023 2022
Saldo awal 3.209 3.089 Beginning balance
Bagian kepentingan non-pengendali Net income of subsidiaries
atas laba bersih entitas anak 314 120 to non-controlling interests
Saldo akhir 3.523 3.209 Ending balance
25. PENDAPATAN SEWA MODAL DAN 25. INTEREST AND ADMINISTRATION REVENUES
ADMINISTRASI
Tahun yang berakhir pada tanggal
31 Desember/Year ended December 31
2023 2022
Usaha gadai 14.177.012 13.037.598 Pawn business
Usaha non-gadai 1.810.055 1.325.046 Non-pawn business
Total 15.987.067 14.362.644 Total
Pendapatan sewa modal dan administrasi Interest and administration income represent
merupakan pendapatan atas pinjaman yang revenue from loan which are determined by credit
diberikan yang ditentukan berdasarkan golongan class.
kredit.
26. PENDAPATAN PENJUALAN EMAS 26. REVENUE FROM GOLD SOLD
Tahun yang berakhir pada tanggal
31 Desember/Year ended December 31
2023 2022
Pendapatan penjualan emas 7.982.336 8.175.457 Revenue from gold sold
Pendapatan penjualan emas merupakan Revenue from gold sold represent subsidiary’s
pendapatan anak perusahaan atas penjualan income from sales of gold products.
produk emas.
97
Page 813
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
27. PENDAPATAN USAHA LAINNYA 27. OTHER OPERATING REVENUES
Tahun yang berakhir pada tanggal
31 Desember/Year ended December 31
2023 2022
Pendapatan anak perusahaan 146.486 104.734 Revenue from subsidiary’s
Tabungan emas 88.120 89.563 Gold savings
Pendapatan pemulihan hapus buku 72.934 5.506 Write-off recovery income
Denda angsuran/keterlambatan kredit 72.158 68.525 Installment fines/late credit
Pendapatan administrasi transaksi tunai 34.520 9.975 Cash transaction administration income
Jasa pembayaran 30.625 36.582 Payment services
Sewa 9.910 7.686 Rental
Jasa lainnya 9.638 15.915 Other services
Total 464.391 338.486 Total
Pendapatan anak perusahaan merupakan Revenue from subsidiary’s earned from outsourcing
pendapatan atas jasa outsourcing, rental kendaraan services, vehicle and inventory rental, construction
dan inventaris, jasa konstruksi, agen perjalanan, services, travel agents, and food and beverages.
dan makanan dan minuman.
Pendapatan tabungan emas merupakan Income from gold saving earned from gold deposit
pendapatan yang diperoleh atas jasa titipan emas services of gold saving product. As at
dari produk tabungan emas. Pada tanggal December 31, 2023 and 2022, total deposited gold
31 Desember 2023 dan 2022, jumlah titipan emas to the Company is amounting to 7,659,618.39
yang disimpan oleh Perusahaan masing-masing grams and 7,416,958.79 grams respectively, and
adalah sebesar 7.659.618,39 gram dan those deposited gold have been insured against all
7.416.958,79 gram, dan atas emas yang dititipkan risks of damage.
itu telah diasuransikan terhadap semua risiko
kerusakan.
Manajemen berkeyakinan bahwa nilai Managements believe that the insurance coverage
pertanggungan di atas cukup untuk menutupi is adequate to cover potential risks of damage of
kemungkinan risiko kerusakan atas emas yang deposited gold in relating with gold saving product
dititipkan terkait produk tabungan emas dan akan and will review the sum insured every end of year.
mengkaji ulang nilai pertanggungan tiap akhir tahun.
28. BEBAN HARGA POKOK PENJUALAN EMAS 28. COST OF REVENUE FROM GOLD SOLD
Tahun yang berakhir pada tanggal
31 Desember/Year ended December 31
2023 2022
Beban harga pokok penjualan emas 7.663.203 7.898.383 Cost of revenue from gold sold
Beban harga pokok penjualan emas merupakan Cost of revenue from gold sold is cost for the
biaya atas produksi perhiasan dan logam mulia yang production of jewelry and fine gold owned by
dimiliki oleh anak perusahaan. subsidiaries.
29. BEBAN PEGAWAI 29. EMPLOYEE EXPENSES
Tahun yang berakhir pada tanggal
31 Desember/Year ended December 31
2023 2022
Tunjangan karyawan 3.334.081 2.904.355 Employee allowances
Dana pensiun 433.330 376.929 Pension fund
Gaji pokok 372.722 369.091 Base salary
Kesejahteraan 214.646 341.190 Welfare
98
Page 814
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
29. BEBAN PEGAWAI (lanjutan) 29. EMPLOYEE EXPENSES (continued)
Tahun yang berakhir pada tanggal
31 Desember/Year ended December 31
2023 2022
Direksi dan Komisaris 169.204 187.869 Directors and Commissioners
Pendidikan dan latihan 107.051 347.274 Education and training
Penugasan 1.738 4.984 Assignment
Total 4.632.772 4.531.692 Total
30. BEBAN BUNGA DAN BAGI HASIL 30. INTEREST AND PROFIT SHARING EXPENSES
Tahun yang berakhir pada tanggal
31 Desember/Year ended December 31
2023 2022
Bunga pinjaman bank 1.754.964 971.766 Bank loans interest
Bunga obligasi 410.137 503.593 Bonds interest
Bagi hasil pinjaman bank 139.132 100.753 Bank loans - profit sharing
Bagi hasil sukuk 114.388 91.585 Sukuk - profit sharing
Bunga pinjaman pemerintah 7.490 23.585 Government loans interest
Bunga surat berharga komersil - 3.862 Commercial securities interest
Total 2.426.111 1.695.144 Total
31. BEBAN ADMINISTRASI DAN UMUM 31. GENERAL AND ADMINISTRATION EXPENSES
Tahun yang berakhir pada tanggal
31 Desember/Year ended December 31
2023 2022
Pegawai outsourcing 1.109.979 1.090.579 Outsourcing employee
Administrasi penjualan 558.246 686.493 Sales administration
Penyusutan aset tetap (Catatan 11) 487.863 464.767 Fixed asset depreciation (Note 11)
Operasional perseroan 315.558 237.384 Company operational
Utilitas 234.838 119.694 Utilities
Penyusutan aset hak guna (Catatan 11) 192.404 235.701 Right-of-use asset depreciation (Note 11)
Penelitian dan pengembangan 166.678 215.241 Research and development
Perlengkapan 121.308 102.979 Supplies
Amortisasi 86.838 101.171 Amortisation
Sewa 76.171 67.677 Rent
Komunikasi 74.625 45.015 Communications
Perjalanan dinas 55.536 151.782 Official travel
Konsultan 47.619 115.315 Consultants
Penyaluran non PUMK 31.252 23.757 Non PUMK istribution
Asuransi 26.051 19.125 Insurance
Administrasi lain-lain 118.547 87.324 Other administration
Total 3.703.513 3.764.004 Total
Beban pegawai outsourcing merupakan biaya yang Outsourcing employee expenses is cost paid by
dikeluarkan oleh Grup terkait tenaga administrasi, Group in relation with administration staff, security
tenaga keamanan, tenaga penjualan, dan tenaga staff, sales force, and cleaning service staff.
cleaning service.
Beban administrasi lain-lain merupakan biaya yang Other administrative expenses represent costs
dikeluarkan oleh Grup terkait penggantian suku incurred by the Group related to replacement of
cadang, langganan informasi data, dan bantuan spare parts, data information subscriptions, and
transportasi. transportation allowances.
99
Page 815
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
32. BEBAN PEMASARAN 32. MARKETING EXPENSES
Beban pemasaran merupakan biaya yang Marketing expenses is cost paid by the Group in
dikeluarkan oleh Grup terkait dengan kegiatan relation with marketing activities and promotions.
pemasaran dan promosi. Saldo beban pemasaran Marketing expenses as at December 31, 2023 and
pada tanggal 31 Desember 2023 dan 2022 2022 is amounting to Rp189,547 and Rp167,245,
masing-masing adalah sebesar Rp189.547 dan respectively.
Rp167.245.
33. CADANGAN KERUGIAN PENURUNAN NILAI 33. ALLOWANCE FOR IMPAIRMENT LOSSES
Tahun yang berakhir pada tanggal
31 Desember/Year ended December 31
2023 2022
Pinjaman yang diberikan (Catatan 5) (587.797) 247.038 Loans (Note 5)
Sengketa hukum (Catatan 18) (175.890) (38.215) Legal dispute (Note 18)
Restrukturisasi (Catatan 5) 2.173 32.245 Restructurisation (Note 5)
Penghapusan pinjaman (Catatan 5) 393.086 148.641 Written off of loans (Note 5)
Aset lainnya (Catatan 13) 1.201 2.911 Other assets (Note 13)
Lainnya 500.015 102.194 Others
Total 132.788 494.814 Total
34. LABA PER SAHAM 34. EARNINGS PER SHARE
2023 2022
Laba bersih yang dapat diatribusikan Net income attributable to
kepada pemilik entitas induk 4.376.012 3.298.312 owners of the parent
Rata-rata tertimbang saham (lembar) 6.250.000 6.250.000 The weighted average of shares (shares)
Laba bersih per lembar saham Net profit per share
dasar/dilusian (nilai penuh) 700.160 527.730 basic/diluted (full amount)
Tidak terdapat instrumen keuangan yang diterbitkan No financial instruments issued by the Company
oleh Perusahaan yang berdampak dilusian. that have a diluted effect.
35. PERJANJIAN PENTING 35. SIGNIFICANT AGREEMENT
Perjanjian dengan PT Gunnebo Indonesia Agreement with PT Gunnebo Indonesia
Distribution Distribution
Pada tanggal 29 Mei 2023, Perusahaan On May 29 2023, the Company entered into a
mengadakan Perjanjian Kerja Pengadaan Company’s Vault Construction Procurement Work
Pembangunan Vault Perusahaan dengan Agreement with PT Gunnebo Indonesia Distribution,
PT Gunnebo Indonesia Distribution, dimana where PT Gunnebo Indonesia Distribution provides
PT Gunnebo Indonesia Distribution memberikan design, built, finishing, commissioning and
jasa design, built, finishing, commissioning dan maintenance services for products or equipment
maintenance untuk produk atau equipment yang that must be standardized and certified
wajib terstandarisasi dan tersertifikasi secara internationally including construction vaults and
internasional mencakup konstruksi vault dan integral components such as main doors and
komponen integral seperti pintu utama dan pintu emergency doors. The work costs agreed in the
darurat. Biaya pengerjaan yang disepakati dalam agreement are Rp72,850 with a period of May 29,
perjanjian tersebut sebesar Rp72.850 dengan 2023 to February 28, 2024.
jangka waktu dari tanggal 29 Mei 2023 hingga
tanggal 28 Februari 2024.
100
Page 816
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
35. PERJANJIAN PENTING (lanjutan) 35. SIGNIFICANT AGREEMENT (continued)
Perjanjian dengan PT Pembangunan Perumahan Agreement with PT Pembangunan Perumahan
(Persero) Tbk (Persero) Tbk
Pada tanggal 31 Juli 2023, Perusahaan melakukan On July 31, 2023, the Company entered into a
perjanjian kerjasama dengan PT Pembangunan cooperation agreement with PT Pembangunan
Perumahan (Persero) Tbk mengenai pengadaan Perumahan (Persero) Tbk regarding the
fasilitas data center Pegadaian Tower. Biaya procurement of Pegadaian Tower data center
pengerjaan yang disepakati dalam perjanjian facility. The agreed-upon construction cost in the
tersebut sebesar Rp63.850 dengan jangka waktu agreement is Rp63,850, with the implementation
pelaksanaan sejak tanggal 5 Juni 2023 hingga period commencing from June 5, 2023, to January
tanggal 31 Januari 2024. 31, 2024.
36. INFORMASI SEGMEN 36. SEGMENT INFORMATION
a. Segmen usaha a. Operational segment
Informasi Perusahaan dibagi berdasarkan The Company’s information based on
segmen usaha yang terdiri dari: operational segment consists of:
31 Desember/December 31, 2023
Konvensional/
Conventional Syariah/Sharia Jumlah/Total
Aset 69.010.440 13.574.991 82.585.431 Assets
Liabilitas 42.246.444 7.703.396 49.949.840 Liabilities
Pendapatan usaha 21.673.415 2.760.379 24.433.794 Operating revenues
Beban usaha (17.206.621) (1.541.313) (18.747.934) Operating expenses
Pendapatan lain-lain 14.228 928 15.156 Other income
Laba sebelum
pajak penghasilan 4.481.022 1.219.994 5.701.016 Profit before income tax
Beban pajak penghasilan (1.324.339) - (1.324.339) Income tax expenses
Laba periode berjalan dari Profit for the period from
operasi yang dihentikan - - - discontinued operations
Laba bersih 3.156.683 1.219.994 4.376.677 Net profit
31 Desember/December 31, 2022
Konvensional/
Conventional Syariah/Sharia Jumlah/Total
Aset 63.180.797 10.148.993 73.329.790 Assets
Liabilitas 39.414.118 5.497.186 44.911.304 Liabilities
Pendapatan usaha 20.538.862 2.337.725 22.876.587 Operating revenues
Beban usaha (17.355.525) (1.195.757) (18.551.282) Operating expenses
Pendapatan lain-lain 3.536 363 3.899 Other income
Laba sebelum
pajak penghasilan 3.186.873 1.142.331 4.329.204 Profit before income tax
Beban pajak penghasilan (1.030.259) - (1.030.259) Income tax expenses
Laba periode berjalan dari Profit for the period from
operasi yang dihentikan - - - discontinued operations
Laba bersih 2.156.614 1.142.331 3.298.945 Net profit
101
Page 817
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
36. INFORMASI SEGMEN 36. SEGMENT INFORMATION
b. Segmen demografi b. Demographic segment
Informasi Perusahaan dibagi berdasarkan The Company’s information based on
segmen demografi yang terdiri dari: demographic segment consists of:
Daerah Operasi/ Jumlah Kantor Wilayah dan Kantor Cabang/
Wilayah/Region Area of Operation Number of Regional Offices and Branch Offices
Sumatera Pulau Sumatera/ 3 Kantor Wilayah yang terdiri dari 734 Kantor Operasional/
Sumatera Island 3 Regional Offices which consist of 734 Operational Offices
Jawa Pulau Jawa/ 5 Kantor Wilayah yang terdiri dari 1.898 Kantor Operasional/
Java Island 5 Regional Offices which consist of 1,898 Operational Offices
Kalimantan Pulau Kalimantan/ 1 Kantor Wilayah yang terdiri dari 335 Kantor Operasional/
Kalimantan Island 1 Regional Office which consist of 335 Operational Offices
Bali dan Pulau Bali dan Nusa Tenggara/ 1 Kantor Wilayah yang terdiri dari 426 Kantor Operasional/
Nusa Tenggara Bali Island and Nusa Tenggara 1 Regional Office which consist of 426 Operational Offices
Sulawesi, Maluku, Sulawesi, Maluku dan Papua/ 2 Kantor Wilayah yang terdiri dari 699 Kantor Operasional/
dan Papua Sulawesi, Maluku and Papua 2 Regional Offices which consist of 699 Operational Offices
31 Desember/December 31, 2023
Sulawesi,
Bali dan/and Maluku
Nusa dan/and
Jawa Sumatera Kalimantan Tenggara Papua Jumlah/Total
Aset 43.020.827 11.830.449 5.834.923 7.436.685 14.462.547 82.585.431 Assets
Liabilitas 33.065.720 5.546.116 2.398.231 2.670.105 6.269.668 49.949.840 Liabilities
Pendapatan usaha 15.465.427 2.686.788 1.291.747 1.704.140 3.285.692 24.433.794 Operating income
Beban usaha (13.374.241) (1.723.567) (764.542) (953.092) (1.932.492) (18.747.934) Operating expenses
Pendapatan
lain-lain - bersih 11.388 843 816 134 1.975 15.156 Other income - net
Laba sebelum Profit before
pajak 2.102.574 964.064 528.021 751.182 1.355.175 5.701.016 tax
Beban pajak
penghasilan (1.324.339) Income tax expenses
Laba bersih 4.376.677 Net profit
31 Desember/December 31, 2022
Sulawesi,
Bali dan/and Maluku
Nusa dan/and
Jawa Sumatera Kalimantan Tenggara Papua Jumlah/Total
Aset 37.959.568 10.704.794 5.097.462 6.631.618 12.936.348 73.329.790 Assets
Liabilitas 28.629.089 5.383.043 2.188.161 2.612.760 6.098.251 44.911.304 Liabilities
Pendapatan usaha 14.910.364 2.344.668 1.132.655 1.586.139 2.902.761 22.876.587 Operating income
Beban usaha (15.777.245) (893.800) (385.230) (498.908) (996.099) (18.551.282) Operating expenses
Pendapatan
lain-lain - bersih 2.477 516 296 190 420 3.899 Other income - net
Laba sebelum Profit before
pajak (864.404) 1.451.384 747.721 1.087.421 1.907.082 4.329.204 tax
Beban pajak
penghasilan (1.030.259) Income tax expenses
Laba periode berjalan
Laba bersih 3.298.945 Net profit
102
Page 818
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
37. SALDO DAN TRANSAKSI DENGAN PIHAK- 37. RELATED PARTIES BALANCES AND
PIHAK BERELASI TRANSACTIONS
a. Sifat hubungan dengan pihak-pihak berelasi a. The nature relationship of related party
Sifat hubungan/ Sifat transaksi/
Pihak-pihak berelasi/Related parties Nature of relationship Nature of transaction
Pemerintah Pusat/Central Government Entitas Induk/Ultimate Pemegang saham dan fasilitas
Parent Entity modal kerja/Shareholder and
working capital credit facility
PT Bank Rakyat Indonesia (Persero) Tbk Entitas Induk/Parent Entity Pemegang saham, rekening giro,
dan fasilitas kredit modal kerja/
Shareholder, current account, and
working capital credit facility
Dana Pensiun Pegadaian Program imbalan pasca kerja/ Setoran dana pensiun/Pension
Post-employment benefit plan fund
PT Bank Mandiri (Persero) Tbk Entitas sepengandali/Entity Rekening giro dan fasilitas kredit
under common control modal kerja/Current account and
working capital credit facility
PT Bank Syariah Indonesia Tbk Entitas sepengandali/Entity Rekening giro dan fasilitas kredit
under common control modal kerja/Current account and
working capital credit facility
PT Bank Negara Indonesia (Persero)Tbk Entitas sepengandali/Entity Rekening giro dan fasilitas kredit
under common control modal kerja/Current account and
working capital credit facility
PT Bank Tabungan Negara (Persero) Tbk Entitas sepengandali/Entity Rekening giro dan fasilitas kredit
under common control modal kerja/Current account and
working capital credit facility
PT Asuransi Jasa Indonesia Entitas sepengandali/Entity Imbalan jasa pertanggungan/
under common control Benefits of insurance services
PT Asuransi Kredit Indonesia Entitas sepengandali/Entity Imbalan jasa pertanggungan/
under common control Benefits of insurance services
PT Jaminan Kredit Indonesia Entitas sepengandali/ Entity Imbalan jasa pertanggungan/
under common control Benefits of insurance services
PT Jasa Raharja Entitas sepengandali/Entity Imbalan jasa pertanggungan/
under common control Benefits of insurance services
PT Taspen (Persero) Entitas sepengandali/Entity Asuransi/Insurance
under common control
PT BRI Asuransi Indonesia Entitas sepengandali/Entity Asuransi/Insurance
under common control
PT Aneka Tambang Tbk Entitas sepengandali/Entity Pembelian emas/Gold purchasing
under common control
Yayasan Kesejahteraan Pemegang saham anak Fasilitas kredit modal kerja/
Pegadaian “Permata” Perusahaan/Subsidiary’s Working capital credit facility
shareholder
PT Wijaya Karya Realty Entitas sepengandali/Entity Penjualan aset/Asset sales
under common control
PT Pembangunan Perumahan Entitas sepengandali/Entity Jasa konstruksi/Construction
(Persero) Tbk under common control services
Direksi dan Dewan Pengawas/ Manajemen kunci Perusahaan/ Remunerasi/Remuneration
Board of Directors and Supervisory Key Management of
the Company
PT Pefindo Biro Kredit Entitas asosiasi/ Investasi/Investment
Associate entity
103
Page 819
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
37. SALDO DAN TRANSAKSI DENGAN PIHAK- 37. RELATED PARTIES BALANCES AND
PIHAK BERELASI (lanjutan) TRANSACTIONS (continued)
b. Saldo pihak berelasi b. Balance of related parties
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Kas dan setara kas Cash and cash equivalents
PT Bank Syariah Indonesia Tbk 63.772 60.937 PT Bank Syariah Indonesia Tbk
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 62.114 51.192 (Persero) Tbk
PT Bank Mandiri (Persero) Tbk 36.580 88.643 PT Bank Mandiri (Persero) Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 17.619 48.653 (Persero)Tbk
PT Bank Tabungan Negara PT Bank Tabungan Negara
(Persero) Tbk 501 176 (Persero) Tbk
Total 180.586 249.601 Total
Persentase terhadap
jumlah aset 0,22% 0,34% Percentage of total assets
Piutang lain-lain Other receivables
PT Wijaya Karya Realty 707.466 707.466 PT Wijaya Karya Realty
PT Pembangunan PT Pembangunan
Perumahan (Persero) Tbk - 143 Perumahan (Persero) Tbk
Total 707.466 707.609 Total
Persentase terhadap
jumlah aset 0,86% 0,96% Percentage of total assets
Pinjaman bank Bank loans
PT Bank Mandiri (Persero) Tbk 10.749.533 6.661.762 PT Bank Mandiri (Persero) Tbk
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 5.244.410 5.492.841 (Persero) Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 3.679.481 2.194.202 (Persero) Tbk
PT Bank Syariah Indonesia Tbk 914.403 837.807 PT Bank Syariah Indonesia Tbk
Total 20.587.827 15.186.612 Total
Persentase terhadap
jumlah liabilitas 41,22% 33,81% Percentage of total liabilities
Pinjaman dari pemerintah Loan from government
Pusat Investasi Pemerintah 26.593 372.184 Government Investment Center
Total 26.593 372.184 Total
Persentase terhadap
jumlah liabilitas 0,05% 0,83% Percentage of total liabilities
Surat berharga yang diterbitkan Securities issued
Obligasi 939.100 1.726.100 Bonds payable
Sukuk 305.900 190.000 Sukuk
Total 1.245.000 1.916.100 Total
Persentase terhadap
jumlah liabilitas 2,49% 4,26% Percentage of total liabilities
104
Page 820
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
37. SALDO DAN TRANSAKSI DENGAN PIHAK- 37. RELATED PARTIES BALANCES AND
PIHAK BERELASI (lanjutan) TRANSACTIONS (continued)
b. Saldo pihak berelasi (lanjutan) b. Balance of related parties (continued)
Tahun yang berakhir pada tanggal
31 Desember/Year ended December 31
2023 2022
Biaya bunga bank Interest expense on bank
PT Bank Mandiri (Persero) Tbk 509.491 277.944 PT Bank Mandiri (Persero) Tbk
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 305.603 185.645 (Persero) Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 104.915 63.437 (Persero) Tbk
PT Bank Syariah Indonesia Tbk 45.602 30.494 PT Bank Syariah Indonesia Tbk
Total 965.611 557.520 Total
Persentase terhadap
jumlah beban 5,15% 3,00% Percentage of total expense
Jumlah kompensasi Direksi dan Dewan Total compensation to the Group’s Board of
Pengawas Grup untuk tahun yang berakhir Directors and Supervisory for the year ended
pada tanggal 31 Desember 2023 adalah December 31, 2023 amounted to Rp169,204
sebesar Rp169.204 (2022: Rp187.869). (2022: Rp187,869).
Transaksi dengan pihak-pihak berelasi Transactions with related parties are using
menggunakan kebijakan harga dan syarat policy and terms of the transaction price agreed
transaksi yang disepakati oleh para pihak. upon by the parties.
38. MANAJEMEN RISIKO 38. RISK MANAGEMENT
Manajemen menyadari bahwa penerapan Managements realizes that the implementation of
Manajemen Risiko yang baik dapat membantu good Risk Management can assist the Company in
Perusahaan dalam proses pengambilan keputusan the decision-making process and maintain the
dan menjaga tercapainya sasaran strategis achievement of the Company's strategic goals. The
Perusahaan. Penerapan Manajemen Risiko disusun implementation of Risk Management is prepared
berdasarkan prinsip, kerangka, dan proses based on the principles, framework and process of
Manajemen Risiko yang kemudian disesuaikan Risk Management which are then adjusted to the
dengan karakteristik dan kebutuhan Perusahaan, di characteristics and needs of the Company, where
mana hal ini diharapkan dapat mengurangi this is expected to reduce losses, promote
kerugian, mendorong pertumbuhan yang sustainable growth and realize good corporate
berkelanjutan (sustainability growth), dan governance.
mewujudkan tata kelola Perusahaan yang baik
(Good Corporate Governance).
Sesuai dengan prinsip-prinsip manajemen risiko, In accordance with the principles of risk
pengelolaan manajemen risiko disesuaikan dengan management, risk management is adjusted to
kondisi eksternal yang berdampak pada Kinerja external conditions that have an impact on the
Perusahaan secara keseluruhan. Company's overall performance.
105
Page 821
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
Tujuan penyusunan Laporan Profil Risiko adalah The purpose of preparing the Risk Profile Report is
sebagai berikut: as follows:
1. Menyampaikan informasi mengenai hasil 1. Convey information regarding the results of
pengukuran tingkat profil risiko Perusahaan; measuring the level of the Company's risk
profile;
2. Memberikan informasi mengenai penerapan 2. Providing information regarding the
manajemen risiko yang telah dilakukan implementation of risk management that has
Perusahaan kepada pemangku kepentingan been carried out by the Company to
(stakeholders); stakeholders;
3. Menyampaikan informasi mengenai hasil 3. Convey information regarding the results of
pemantauan dan evaluasi terhadap efektivitas monitoring and evaluation of the effectiveness
perlakuan risiko yang telah dilakukan; of the risk treatment that has been carried out;
4. Sebagai sarana untuk menumbuhkan risk 4. As a means of growing risk awareness in an
awareness dalam upaya membangun budaya effort to build a risk culture.
sadar risiko (risk culture).
Proses penerapan manajemen risiko di Perusahaan The process of implementing risk management in
meliputi proses identifikasi, pengukuran, the Company includes the process of identifying,
pemantauan, dan pengendalian risiko sehingga measuring, monitoring and controlling risks so that it
tidak menimbulkan dampak negatif terhadap upaya does not have a negative impact on efforts to
pencapaian tujuan strategis dan sasaran achieve the Company's strategic goals and targets.
Perusahaan. Penerapan manajemen risiko yang Implementing good risk management can protect a
baik dapat melindungi perusahaan dari ancaman company from the threat of failure in carrying out
kegagalan dalam melaksanakan kegiatan operational and business activities and provide
operasional dan bisnis serta memberikan nilai added value that can be used in every decision
tambah (value added) yang dapat digunakan dalam making.
setiap pengambilan keputusan.
Pada kinerja Perusahaan di Triwulan IV tahun 2023, In the Company's performance in the Fourth Quarter
diterapkan beberapa strategi penerapan of 2023, several risk management implementation
manajemen risiko sesuai dengan delapan jenis strategies were implemented in accordance with the
risiko yang dikelola Perusahaan sebagai berikut: eight types of risks managed by the Company as
follows:
1. Risiko kredit 1. Credit risk
Risiko kredit adalah risiko yang muncul akibat Credit risk is the risk that arises due to the
kegagalan debitur dan/atau pihak lain dalam failure of debtors and/or other parties to fulfill
memenuhi kewajibannya kepada Perusahaan. their obligations to the Company. Throughout
Sepanjang tahun 2023, inflasi tinggi dan 2023, high inflation and rising fuel prices will
kenaikan harga bahan bakar minyak affect basic needs that use fossil-based
berpengaruh kepada kebutuhan dasar yang logistics transportation. This has an impact on
menggunakan transportasi logistik berbasis the customer's ability to pay installments or
fosil. Hal ini berdampak terhadap kemampuan repay their loans, which causes a decrease in
nasabah untuk membayar angsuran atau the level of customer collectibility. In Quarter IV,
melunasi pinjamannya yang menyebabkan credit risk was well controlled where credit
menurunnya tingkat kolektibilitas nasabah. quality (NPL and LAR) could still be controlled,
Pada Triwulan IV, risiko kredit dapat terkendali so that the credit risk level was at "Low to
dengan baik dimana kualitas kredit (NPL dan Moderate", with the quality of risk management
LAR) masih dapat dikendalikan, sehingga implementation at "Satisfactory".
tingkat risiko kredit berada pada “Low to
Moderate”, dengan kualitas penerapan
manajemen risiko “Satisfactory”.
106
Page 822
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
Mitigasi yang telah dilakukan dalam Mitigation that has been carried out in
mengendalikan eksposur risiko pada Risiko controlling risk exposure to Credit Risk,
Kredit, antara lain sebagai berikut: includes the following:
1. Menjaga kualitas kredit pada penyaluran 1. Maintaining credit quality in KUPEDES
KUPEDES; distribution;
2. Selektif dalam penyaluran Kupedes; 2. Selective in distribution of Kupedes;
3. Pemberlakuan pembatasan pencairan bagi 3. Implementation of disbursement
Unit Kerja dengan NPL >3%; restrictions for Work Units with NPL >3%;
4. Mendorong UPC dan Cabang untuk 4. Encourage UPC and Branches to comply
melaksanakan SOP secara patuh terutama with SOPs, especially the re-assessment
taksir ulang BJ hasil pencairan dari Agen of BJ disbursement from Pawn Agents;
Gadai;
5. Menjaga kualitas kredit pasca penyaluran 5. Maintaining credit quality after KUPEDES
KUPEDES; distribution;
6. Pengawasan pembayaran PT POJ akan 6. Monitoring of PT POJ payments will be
dilakukan secara tepat waktu sesuai carried out in a timely manner according to
perjanjian kredit; the credit agreement;
7. Meningkatkan kualitas pencairan kredit 7. Improving the quality of credit
melalui Komite Kredit. disbursement through the Credit
Committee.
I. Proses pencairan kredit I. Credit disbursement process
Portofolio pinjaman yang disalurkan Grup The loan portfolio disbursed by the Group
masih didominasi oleh kredit berbasis is still dominated by mortgage-based
gadai. Adanya barang atau agunan yang loans. The existence of goods or collateral
dijadikan jaminan oleh kreditur memiliki that is used as collateral by the creditor has
nilai likuiditas yang relatif tinggi sehingga a relatively high liquidity value so that it can
dapat dijual ketika kreditur wanprestasi. be sold when the creditor default.
Sedangkan, kredit berbasis fidusia Whereas, fiduciary-based credit uses
menggunakan asuransi kredit untuk kredit credit insurance for loans that are not
yang tidak dijamin dengan agunan guaranteed by material collateral.
kebendaan.
Bentuk pengawasan yang dilakukan oleh The form of supervision carried out by the
Pemimpin Unit Kerja maupun Auditor Work Unit Leader and Internal Auditor is
Internal dilakukan secara baik dan terus- carried out properly and continuously. The
menerus. Perubahan proses bisnis change in fiduciary-based business
berbasis fidusia menjadi digital processes to digital is by uses the
menggunakan aplikasi Pegadaian Four Pegadaian Four Digital (“P4D”) application
Digital (“P4D”) dan Pegadaian Origination and Pegadaian Origination Machine
Machine (“PRIME”) yang pengolahan (“PRIME”), when data processing has been
datanya sudah terintegerasi dengan data integrated with external data, such as
eksternal, seperti Kependudukan dan Kependudukan dan Catatan Sipil
Catatan Sipil (“Dukcapil”), Pefindo, dan (“Dukcapil”), Pefindo, and PT Asuransi
PT Asuransi Jasaraharja Putera. Jasaraharja Putera.
107
Page 823
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
II. Kredit jatuh tempo mengalami II. Matured loans experience a decrease in
penurunan nilai/kualitas kredit credit value/quality
Kredit jatuh tempo adalah kredit yang telah Matured loan is loan that has passed a
melewati batas waktu tertentu untuk dapat certain time limit to be completed
segera diselesaikan. Ketika kredit tidak immediately. When credit cannot be settled
dapat diselesaikan oleh kreditur, nilai by the creditor, the value of collateral that
agunan yang dijadikan sebagai jaminan is used as collateral can experience a
dapat mengalami penurunan nilai akibat decline in value due to several factors,
beberapa faktor, seperti penurunan harga such as a decrease in the price of gold for
emas untuk kredit berbasis gadai dan loans based on pawn and a decrease in the
turunnya harga jual untuk barang jaminan selling price of movable collateral.
bergerak.
Untuk memitigasi potensi kerugian yang To mitigate potential losses resulting from
diakibatkan penurunan kualitas kredit, a decrease in credit quality, the Group
Grup membentuk CKPN sebesar kerugian forms a collective and individual CKPN
kredit ekspektasian (“ECL”) 12 bulan atau recognised at an amount equal to either
kerugian kredit ekspektasian sepanjang 12-month expected credit losses (“ECL”) or
umur aset keuangan (lifetime ECL). lifetime ECLs. Lifetime ECLs are the ECLs
Lifetime ECL adalah kerugian kredit that result from all possible default events
ekspektasian yang berasal dari semua over the expected life of a financial
kemungkinan kejadian gagal bayar instrument, whereas 12-month ECLs are
sepanjang umur ekspektasian suatu the portion of ECLs that result from default
instrumen keuangan, sedangkan ECL 12 events that are possible within the 12
bulan adalah porsi dari kerugian kredit months after reporting date using historical
ekspektasian yang berasal dari data.
kemungkinan kejadian gagal bayar dalam
12 bulan setelah tanggal pelaporan
menggunakan data historis.
Dalam proses pemberian kredit, penaksir In the process of granting credit, the
melakukan penilaian barang agunan estimator evaluates collateral goods as a
sebagai dasar untuk menentukan besaran basis for determining the amount of the
pinjaman, sedangkan kredit berbasis loan, while fiduciary-based loans use credit
fidusia menggunakan asuransi kredit untuk insurance for loans that are not guaranteed
kredit yang tidak dijamin dengan agunan by material collateral. In managed
kebendaan. Dalam proses bisnis yang business processes, the Group has
dikelola, Grup sudah menerapkan implemented good risk management with
manajemen risiko yang baik dengan the existence of credit risk mitigation so the
adanya mitigasi risiko kredit sehingga potential for the occurrence of losses is
potensi terjadinya kerugian relatif kecil. relatively small.
Tabel berikut menggambarkan eksposur The following table breaks down the
maksimum risiko kredit Grup (setelah Group’s maximum exposure to credit risk
dikurangi CKPN) adalah sebagai berikut: (net of CKPN) is as follows:
2023 2022
ASET ASSETS
Kas dan setara kas 263.631 378.750 Cash and cash equivalents
Pinjaman yang diberikan
- bersih 64.456.296 55.347.852 Loans - net
Pendapatan yang masih
harus diterima 2.264.818 2.379.068 Accrued income
Piutang lain-lain - bersih 496.523 837.521 Other receivables - net
Total 67.481.268 58.943.191 Total
108
Page 824
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
III. Konsentrasi risiko instrumen keuangan III. Concentration of risks of financial
dengan eksposur risiko kredit instruments with credit risk exposure
a. Sektor geografis a. Geographic sectors
Tabel berikut menggambarkan rincian The following table breaks down the
eksposur kredit maksimum Grup pada Group’s maximum credit exposure at
nilai tercatat yang dikategorikan their carrying amounts as categorised
berdasarkan area geografis pada by geographic region as at
tanggal 31 Desember 2023 dan 2022: December 31, 2023 and 2022:
31 Desember/December 31, 2023
Bali dan/
and Sulawesi,
Nusa Maluku dan/ Jumlah/
Jawa Sumatera Kalimantan Tenggara and Papua Total
Kas dan setara kas 211.128 14.497 5.075 11.691 21.240 263.631 Cash and cash equivalents
Pinjaman yang
diberikan - bruto 30.876.905 10.868.744 5.317.315 6.889.570 13.621.029 67.573.563 Loans - gross
Pendapatan yang
masih harus diterima 878.801 393.121 189.887 272.727 530.282 2.264.818 Accrued income
Piutang lain-lain 1.073.543 12.302 15.957 970 18.853 1.121.625 Other receivables
Aset lain-lain 86.248 7.276 2.468 5.597 20.545 122.134 Other assets
Total 33.126.625 11.295.940 5.530.702 7.180.555 14.211.949 71.345.771 Total
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (2.487.890) (412.076) (181.749) (248.763) (530.040) (3.860.518) impairment losses
Total 30.638.735 10.883.864 5.348.953 6.931.792 13.681.909 67.485.253 Total
31 Desember/December 31, 2022
Bali dan/
and Sulawesi,
Nusa Maluku dan/ Jumlah/
Jawa Sumatera Kalimantan Tenggara and Papua Total
Kas dan setara kas 322.100 13.607 4.691 16.070 22.282 378.750 Cash and cash equivalents
Pinjaman yang
diberikan - bruto 27.123.829 9.565.221 4.509.139 5.968.585 11.886.142 59.052.916 Loans - gross
Pendapatan yang
masih harus diterima 1.094.554 357.269 176.213 250.608 500.424 2.379.068 Accrued income
Piutang lain-lain 921.099 11.706 8.035 1.297 20.612 962.749 Other receivables
Aset lain-lain 80.239 7.261 2.692 5.664 21.090 116.946 Other assets
Total 29.541.821 9.955.064 4.700.770 6.242.224 12.450.550 62.890.429 Total
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (3.396.826) (158.101) (71.539) (99.696) (221.076) (3.947.238) impairment losses
Total 26.144.995 9.796.963 4.629.231 6.142.528 12.229.474 58.943.191 Total
109
Page 825
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
III. Konsentrasi risiko instrumen keuangan III. Concentration of risks of financial
dengan eksposur risiko kredit (lanjutan) instruments with credit risk exposure
(continued)
b. Kualitas kredit dari aset keuangan b. Credit quality of financial assets
Pada tanggal 31 Desember 2023 dan As at December 31, 2023 and 2022,
2022, eksposur risiko kredit atas aset credit risk exposure relating to
keuangan berdasarkan kualitas aset financial assets based on quality of
keuangan terbagi atas: financial assets are divided as follows:
31 Desember/December 31, 2023
Belum jatuh Telah jatuh
tempo tempo
atau tidak tetapi tidak Penyisihan
mengalami mengalami piutang tak
penurunan penurunan tertagih/
nilai/ nilai/ Mengalami Provision
Neither past Past due but penurunan for
due not nilai/ doubtful Jumlah/
nor impaired impaired Impaired account Total
Cash and
Kas dan setara kas 263.631 - - - 263.631 cash equivalents
Pinjaman yang
diberikan - bersih 63.470.355 2.090.430 2.012.778 (3.117.267) 64.456.296 Loans - net
Pendapatan yang masih
harus diterima 2.112.303 18.083 134.432 - 2.264.818 Accrued income
Piutang lain-lain - bersih 1.121.626 - - (625.103) 496.523 Other receivables - net
Aset lain-lain - bersih 3.985 - 118.148 (118.148) 3.985 Other assets - net
Total 66.971.900 2.108.513 2.265.358 (3.860.518) 67.485.253 Total
31 Desember/December 31, 2022
Belum jatuh Telah jatuh
tempo tempo
atau tidak tetapi tidak Penyisihan
mengalami mengalami piutang tak
penurunan penurunan tertagih/
nilai/ nilai/ Mengalami Provision
Neither past Past due but penurunan for
due not nilai/ doubtful Jumlah/
nor impaired impaired Impaired account Total
Cash and
Kas dan setara kas 378.750 - - - 378.750 cash equivalents
Pinjaman yang
diberikan - bersih 56.817.778 498.402 1.736.736 (3.705.064) 55.347.852 Loans - net
Pendapatan yang masih
harus diterima 2.306.317 16.876 55.875 - 2.379.068 Accrued income
Piutang lain-lain - bersih 837.521 - 125.228 (125.228) 837.521 Other receivables - net
Aset lain-lain - bersih - - 116.946 (116.946) - Other assets - net
Total 60.340.366 515.278 2.034.785 (3.947.238) 58.943.191 Total
110
Page 826
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
1. Risiko kredit (lanjutan) 1. Credit risk (continued)
III. Konsentrasi risiko instrumen keuangan III. Concentration of risks of financial
dengan eksposur risiko kredit (lanjutan) instruments with credit risk exposure
(continued)
c. Agunan c. Collateral
Dalam kegiatan bisnis Perusahaan In the Company’s business activities
berbasis gadai, terdapat jaminan based on pawn, there is a material
kebendaan yang dijadikan agunan guarantee that is used as collateral in
dalam memperoleh pinjaman. Potensi obtaining loans. The potential risk that
risiko yang muncul adalah adanya arises is the existence of counterfeit
barang palsu untuk jaminan perhiasan goods to guarantee gold jewelry, low
emas, barang elektronik dengan quality electronic goods, and fake
kualitas rendah, dan BPKB kendaraan motor vehicle BPKB. To mitigate so
bermotor palsu. Perusahaan that it does not occur, the Company
meningkatkan kompetensi Penaksir increases the competence of
dalam menilai agunan secara berkala estimators in assessing collateral
dan melakukan kerjasama dengan regularly and cooperating with
instansi pemerintah dalam hal government agencies in checking the
pengecekan keabsahan kendaraan validity of motorised vehicles.
bermotor.
Untuk kredit berbasis fidusia, adanya For fiduciary loans, the existence of
BPKB yang dijadikan jaminan dan fisik BPKB is used as collateral and the
kendaraan dipinjamankan kembali physical vehicle is loaned back to the
kepada kreditur untuk menunjang creditor to support the smooth running
kelancaran aktivitas usahanya, of the business, the Company faces
Perusahaan menghadapi potensi the potential risk of physical loss or
risiko hilang atau rusaknya fisik damage to the vehicle. In mitigating so
kendaraan tersebut. Tim mikro selalu that it does not occur, the micro team
melakukan kunjungan ke nasabah always visits customers regularly with
secara berkala dengan maksud untuk the intention to ensure the physical
memastikan kondisi fisik kendaraan condition of the vehicle is still intact
masih dalam keadaaan utuh dan baik. and good.
2. Risiko operasional 2. Operational risk
Risiko Operasional adalah risiko akibat Operational Risk is the risk resulting from
ketidakcukupan dan/atau tidak berfungsinya inadequacy and/or non-functioning of internal
proses internal, kesalahan manusia, kegagalan processes, human error, system failure, and/or
sistem, dan/atau adanya kejadian eksternal external events that affect the Company's
yang mempengaruhi operasional Perusahaan. operations. The Company's Operational Risk
Profil Risiko Operasional Perusahaan pada Profile in the Fourth Quarter of 2023 is at the
Triwulan IV 2023 berada pada tingkat “Low” di "Low" level where the Inherent Operational Risk
mana tingkat Risiko Inheren Risiko Operasional level is "Low" with the quality of risk
adalah “Low” dengan kualitas penerapan management implementation being
manajemen risiko “Satisfactory”. "Satisfactory".
Mitigasi yang dilakukan dalam mengendalikan Mitigation carried out in controlling risk
eksposur risiko pada Risiko Operasional pada exposure to Operational Risk in the Fourth
Triwulan IV antara lain sebagai berikut: Quarter of 2023 includes the following:
1. Refreshing dan penambahan pengetahuan 1. Refreshing and increasing knowledge
terkait Barang Jaminan (BJ); related to Collateral Goods (BJ);
111
Page 827
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
2. Risiko operasional (lanjutan) 2. Operational risk (continued)
Mitigasi yang dilakukan dalam mengendalikan Mitigation carried out in controlling risk
eksposur risiko pada Risiko Operasional pada exposure to Operational Risk in the Fourth
Triwulan IV antara lain sebagai berikut: Quarter of 2023 includes the following:
(lanjutan) (continued)
2. Melakukan pengkinian alat taksir untuk 2. Updating the estimation tool to detect
mendeteksi BJ nasabah; customer BJ;
3. Meningkatkan kewaspadaan terkait 3. Increasing awareness regarding
nasabah yang sering bertransaksi di customers who frequently make
Perusahaan (terutama BJ emas lantakan transactions with the Company (especially
dan berlian); BJ bullion and diamonds);
4. Meningkatkan efektivitas pengawasan 4. Increasing the effectiveness of monitoring
pelaksanaan Waskat. the implementation of Waskat.
3. Risiko strategi 3. Strategy risk
Risiko strategis adalah risiko akibat Strategic risk is a risk due to inaccuracy in
ketidaktepatan dalam pengambilan dan/atau making and/or implementing a strategic
pelaksanaan suatu keputusan strategis serta decision and failure to anticipate changes in the
kegagalan dalam mengantisipasi perubahan business environment.
lingkungan bisnis.
Pengukuran risiko strategis dilakukan Strategic risk measurement is carried out based
berdasarkan faktor-faktor risiko yang melekat on the risk factors attached to each level of
pada setiap level strategi bisnis, level korporat, business strategy, corporate level, business
level bisnis, dan level fungsional berdasarkan level, and functional level based on company
kinerja perusahaan, yaitu dengan performance, namely by comparing actual
membandingkan hasil aktual dengan target results with predetermined targets.
yang telah ditetapkan.
Risiko Inheren Strategis mengalami perbaikan Strategic Inherent Risk experienced an
tingkat risiko yang disebabkan oleh perbaikan improvement in the risk level due to
pada pencapaian penyaluran KUR Syariah, improvements in the achievement of Sharia
pangsa pasar pembiayaan Pegadaian, jumlah KUR distribution, Pegadaian financing market
debitur UMi Digital (UMi Corner), dan share, the number of UMi Digital (UMi Corner)
pertumbuhan laba sebelum pajak (YoY) debtors, and growth in profit before tax (YoY)
sehingga tingkat risiko inheren Profil Risiko so that the inherent risk level of the Company's
Strategis Perusahaan pada Triwulan IV 2023 Strategic Risk Profile in the Quarter IV 2023 is
berada pada tingkat “Low” dengan kualitas at the "Low" level with the quality of risk
penerapan manajemen risiko “Satisfactory” dan management implementation being
tingkat profil risiko komposit risiko strategis "Satisfactory" and the company's strategic risk
perusahaan berada pada tingkat “Low”. composite risk profile level is at the "Low" level.
4. Risiko pasar 4. Market risk
Risiko Pasar adalah risiko pada posisi aset, Market Risk is the risk on the position of assets,
liabilitas, ekuitas, dan/atau rekening liabilities, equity and/or administrative
administratif, termasuk transaksi derivatif akibat accounts, including derivative transactions due
perubahan secara keseluruhan dari kondisi to overall changes in market conditions.
pasar.
112
Page 828
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
4. Risiko pasar (lanjutan) 4. Market risk (continued)
Risiko Pasar dipengaruhi oleh tingginya yield Market risk is influenced by high bond yields
obligasi dan pinjaman bank KMK (committed) and KMK (committed) bank loans, so currently
sehingga saat ini pinjaman bank jangka pendek short-term bank loans are the right option. Apart
menjadi opsi yang tepat. Selain itu, adanya from that, there is a possibility of high working
kemungkinan tingginya suku bunga modal kerja capital interest rates in 2024 due to fluctuating
pada tahun 2024 disebabkan oleh tingkat suku interest rates as a result of the increase in the
bunga yang fluktuatif sebagai dampak kenaikan reference interest rate/uncertainty in
suku bunga acuan/ketidakpastian Indonesia's macro-economic and internal
makroekonomi dan politik internal Indonesia. politics.
Profil Risiko Pasar Perusahaan pada Triwulan The Company's Market Risk Profile in the
IV 2023 berada pada tingkat “Moderate” dimana Fourth Quarter of 2023 is at a “Moderate” level
tingkat Risiko Inheren Risiko Pasar adalah “Low where the Inherent Market Risk level is “Low to
to Moderate” dengan kualitas penerapan Moderate” with the quality of implementing risk
manajemen risiko “Satisfactory”. management “Satisfactory”.
Mitigasi yang dilakukan dalam mengendalikan Mitigation carried out in controlling risk
eksposur risiko pada risiko pasar, adalah: exposure to market risk includes the following:
1. Analisis, pengawasan, dan penetapan 1. Analysis, monitoring and determination of
standar taksiran logam emas yang gold metal estimation standards that are
disesuaikan dengan volatilitas harga pasar adjusted to the volatility of gold market
emas; prices;
2. Penetapan STL dan HDLE dengan metode 2. Determination of STL and HDLE using the
Simple Moving Average (SMA) dengan Simple Moving Average (SMA) method by
memperhatikan tren perubahan harga paying attention to the trend of changes in
emas; gold prices;
3. Bekerja sama dengan banyak kreditur 3. Collaborating with many creditors to get
sehingga mendapatkan tingkat bunga yang competitive interest rates;
kompetitif;
4. Menganalisa kondisi pasar (benchmark 4. Analyzing market conditions (SUN
rate SUN) dan prediksi BI rate 1 tahun ke benchmark rate) and BI rate predictions for
depan (pada saat penerbitan obligasi); the next 1 year (at the time of bond
issuance);
5. Manajemen menerbitkan obligasi dan 5. Management issues bonds and increases
menambah fasilitas pinjaman perbankan banking loan facilities either through new or
baik dengan kerjasama perbankan baru existing banking collaborations;
ataupun eksisting;
6. Menerbitkan liabilitas jangka panjang 6. Issue long-term liabilities in the form of
berupa obligasi PUB 5 Tahap 5 di awal PUB 5 Phase 5 bonds in early 2024
tahun 2024 sebesar Rp2.700.000; (sukuk 2 amounting to Rp2,700,000; (sukuk 2
Tahap 5); Phase 5);
7. Memperluas kerja sama baru dengan mitra 7. Expanding new collaborations with banking
perbankan dalam rangka mencari sumber partners in order to find sources of money
pendanaan money market dengan rate market funding at competitive rates while
yang bersaing dengan mengedepankan prioritizing Company profitability; and
profitibilitas Perusahaan; dan
8. Mendapatkan komitmen sumber 8. Obtain committed funding sources at low
pendanaan dengan tarif yang rendah dari rates from banks.
perbankan.
113
Page 829
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
4. Risiko pasar (lanjutan) 4. Market risk (continued)
a. Risiko pendanaan a. Funding risk
Perusahaan mengelola risiko dukungan The Company manages the risk of financial
dana agar dapat memenuhi setiap support so that it can fulfill every promised
kewajiban finansial yang sudah dijanjikan financial obligation promptly, and can
secara tepat waktu, serta dapat maintain an adequate and optimal level of
memelihara tingkat likuiditas yang liquidity.
memadai dan optimal.
Perusahaan mengelola Risiko Dukungan The Company manages Fund Support
Dana agar dapat memenuhi setiap Risk to fulfil every promised financial
kewajiban finansial yang sudah dijanjikan obligation on time and be able to maintain
secara tepat waktu, dan dapat memelihara an adequate level of liquidity.
tingkat likuiditas yang memadai.
Perusahaan telah mempersiapkan atas The Company has prepared for the
potensi meningkatnya eksposur akibat potential for increased exposure due to
kesulitan sumber pendanaan dengan difficulties in funding sources by increasing
penambahan plafon pinjaman Bank baik the credit limit of both conventional and
konven maupun syariah dan melakukan Islamic banks and issuing bonds to
penerbitan obligasi guna meningkatkan increase resilience in terms of funding
ketahanan secara sumber pendanaan. sources. Public interest in investing in
Minat masyarakat untuk berinvestasi equity instruments, especially bonds, has
dalam instrumen ekuitas terutama obligasi increased significantly, this is supported by
terjadi peningkatan yang signifikan. Hal ini the “AAA” Pegadaian rating for securities.
didukung dengan rating Pegadaian “AAA”
untuk Surat Berharga.
Probabilitas risiko ini muncul relatif kecil The probability of this risk appears
dikarenakan berikut ini: relatively small due to the following:
- Kinerja keuangan Grup dari tahun ke - The Group’s financial performance
tahun menunjukkan pertumbuhan. from year to year shows growth.
- Terkait dengan kinerja keuangan yang - Associated with good financial
baik, kepercayaan investor semakin performance, investor confidence is
meningkat. Hal ini terlihat dari increasing. This can be shown from
penilaian Pefindo untuk obligasi Grup Pefindo’s rating for the Group’s bond
mendapat rating “AAA+” (triple A plus; rated “AAA+” (triple A plus; stable
stable outlook) klasifikasi investment look) investment grade classification.
grade.
- Telah dilakukannya portofolio sumber - There has been a portfolio of short-
pendanaan jangka pendek yang term funding originating from various
berasal dari berbagai kreditur banking creditors.
perbankan.
114
Page 830
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
4. Risiko pasar (lanjutan) 4. Market risk (continued)
b. Risiko tingkat suku bunga b. Interest rate risk
Risiko tingkat suku bunga adalah risiko Interest rate risk is the risk that the fair
dimana arus kas atau nilai wajar di masa value or future cash flows of a financial
mendatang atas instrumen keuangan akan instrument will fluctuate because of
berfluktuasi akibat perubahan suku bunga changes in market interest rates.
pasar.
Risiko tingkat suku bunga Grup timbul The Group’s interest rate risk primarily
terutama dari pinjaman. Pinjaman yang arises from its borrowings. Borrowings
diterbitkan dengan tingkat bunga issued at floating rates expose the Group
mengambang mengekspos Grup terhadap to cash flow interest rate risk. Borrowings
risiko suku bunga arus kas. Pinjaman yang issued at fixed rates expose the Group to
diterbitkan dengan tingkat suku bunga fair value interest rate risk. Loans is not
tetap mengekspos Grup terhadap risiko exposed to interest rate risk due to the
nilai wajar suku bunga. Pembiayaan yang short term of financing.
diberikan tidak terekspos risiko tingkat
suku bunga karena jangka waktu
pembiayaan yang pendek.
Tabel berikut menunjukkan sensitivitas The following tables demonstrate the
atas kemungkinan perubahan fluktuasi sensitivity to a reasonably possible
suku bunga, dengan variabel lain dianggap fluctuation change in interest rate, with all
tetap, terhadap laba sebelum pajak Grup other variables held constant, of the
Group’s profit before tax.
Dampak terhadap laba
sebelum pajak/
Effect of profit before tax
Peningkatan/ Penurunan/
Increase by Decrease by
1% 1%
31 Desember 2023 (432.514) 432.514 December 31, 2023
31 Desember 2022 (342.454) 342.454 December 31, 2022
5. Risiko likuiditas 5. Liquidity risk
Risiko Likuiditas adalah Risiko akibat Liquidity risk is the risk resulting from the
ketidakmampuan Perusahaan untuk memenuhi Company's inability to meet its maturing
liabilitas yang jatuh tempo dari sumber liabilities from cash flow funding sources and/or
pendanaan arus kas dan/atau dari aset likuid from liquid assets that can be easily converted
yang dapat dengan mudah dikonversi menjadi into cash, without disrupting the Company's
kas, tanpa mengganggu aktivitas dan kondisi activities and financial condition.
keuangan Perusahaan.
Perusahaan mengelola Risiko Likuiditas agar The Company manages Liquidity Risk so that it
dapat memenuhi setiap kewajiban finansial can fulfill every financial obligation that has
yang sudah dijanjikan secara tepat waktu, dan been promised in a timely manner, and can
dapat memelihara tingkat likuiditas yang maintain an adequate level of liquidity.
memadai. RKAP Perusahaan telah the Company’s RKAP has set the BI 7 Days
menetapkan BI 7 Days Repo Rate (BI7DRR) Repo Rate (BI7DRR) in 2023 to increase to
pada tahun 2023 naik menjadi 5,75% yang 5.75%, which aims to maintain the stability of
bertujuan untuk menjaga stabilitas ekonomi the Indonesian economy and the national
Indonesia dan sistem keuangan nasional. financial system.
115
Page 831
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
5. Risiko likuiditas (lanjutan) 5. Liquidity risk (continued)
Pada Desember 2023, BI mempertahankan BI In December 2023, BI maintains the BI Rate at
Rate pada 6,00% dengan fokus kebijakan 6.00% with a pro-stability monetary policy
moneter yang pro-stability yaitu untuk focus, namely strengthening the stability of the
penguatan stabilitas nilai tukar Rupiah serta Rupiah exchange rate as well as preemptive
langkah preemptive dan forward looking untuk and forward looking steps to ensure inflation
memastikan inflasi tetap terkendali dalam remains under control within the target
sasaran 2,5 ± 1% pada 2024. of 2.5 ± 1% in 2024.
Profil Risiko Likuiditas Perusahaan pada The Company's Liquidity Risk Profile in the
Triwulan IV 2023 berada pada tingkat “Low” Fourth Quarter of 2023 was at a “Low” level
dimana tingkat Risiko Inheren Risiko Likuiditas where the Inherent Liquidity Risk level was
adalah “Low” dengan kualitas penerapan “Low” with the quality of implementing risk
manajemen risiko “Satisfactory”. management “Satisfactory”.
Perusahaan telah mempersiapkan diri dalam The Company has prepared itself to face the
menghadapi potensi meningkatnya eksposur potential increase in liquidity risk exposure due
risiko likuiditas akibat kesulitan sumber to difficulty in funding sources by maintaining
pendanaan dengan menjaga kecukupan plafon adequate ceilings on bank loans, both
pinjaman bank baik konvensial maupun syariah conventional and sharia, and by issuing
serta dengan melakukan penerbitan bonds/sukuk to increase resilience in terms of
obligasi/sukuk guna meningkatkan ketahanan funding sources.
dari segi sumber pendanaan.
Selain itu Perusahaan terus melakukan In addition, the Company continues to carry out
berbagai mitigasi risiko seperti: various risk mitigations such as:
1. Mencari alternatif pinjaman modal kerja 1. Looking for alternative working capital
dengan suku bunga yang kompetitif, loans with competitive interest rates,
termasuk dengan menjalin kerjasama baru; including by establishing new
collaborations;
2. Menerbitkan obligasi/sukuk/MTN/MTN 2. Issue bonds/sukuk/MTN/MTN Sharia;
Syariah;
3. Mengajukan penambahan plafon pinjaman 3. Apply for an additional loan ceiling from
dari kreditur dengan suku bunga kompetitif; creditors with competitive interest rates;
4. Mengajukan permohonan fasilitas 4. Apply for weekly facilities and negotiate
mingguan dan melakukan negosiasi suku short-term loan interest rates with banks to
bunga pinjaman jangka pendek pada bank get better COF.
untuk mendapatkan COF yang lebih baik.
Tabel di bawah ini menunjukan sisa jatuh tempo The tables below show the remaining maturities
dari liabilitas keuangan Grup berdasarkan pada of the Group’s financial liabilities based on
arus kas kontraktual tidak terdiskonto: contractual undiscounted cash flows:
31 Desember/December 31, 2023
`
Tidak memiliki
kontrak jatuh Kurang dari Lebih dari
tempo/ 1 tahun/ 1 tahun/
No maturity Less than More than
contract 1 year 1 year Jumlah/Total
Liabilitas keuangan Financial liabilities
Pinjaman bank - 35.085.803 - 35.085.803 Bank loans
Utang usaha - 645.359 - 645.359 Trade payables
Utang kepada nasabah - 242.831 - 242.831 Payable to customers
Surat berharga yang
diterbitkan - 6.198.276 2.390.006 8.588.282 Securities issued
Liabilitas lain-lain - 261.183 492.577 753.760 Other liabilities
Akrual - 2.848.250 - 2.848.250 Accrued expenses
Pinjaman dari pemerintah - 34.896 - 34.896 Loans from government
- 45.316.598 2.882.583 48.199.181
116
Page 832
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
5. Risiko likuiditas (lanjutan) 5. Liquidity risk (continued)
Tabel di bawah ini menunjukan sisa jatuh tempo The tables below show the remaining maturities
dari liabilitas keuangan Grup berdasarkan pada of the Group’s financial liabilities based on
arus kas kontraktual tidak terdiskonto: (lanjutan) contractual undiscounted cash flows:
(continued)
31 Desember/December 31, 2022
Tidak memiliki
kontrak jatuh Kurang dari Lebih dari
tempo/ 1 tahun/ 1 tahun/
No maturity Less than More than
contract 1 year 1 year Jumlah/Total
Liabilitas keuangan Financial liabilities
Pinjaman bank - 25.349.572 - 25.349.572 Bank loans
Utang usaha - 587.745 - 587.745 Trade payables
Utang kepada nasabah - 179.994 - 179.994 Payable to customers
Surat berharga yang
diterbitkan - 9.749.846 3.082.417 12.832.263 Securities issued
Liabilitas lain-lain - 266.850 669.744 936.594 Other liabilities
Akrual - 3.200.367 - 3.200.367 Accrued expenses
Pinjaman dari pemerintah - 101.167 277.496 378.663 Loans from government
- 39.435.541 4.029.657 43.465.198
6. Risiko kepatuhan 6. Compliance risk
Risiko kepatuhan adalah risiko akibat Compliance risk is the risk due to the company
Perusahaan tidak mematuhi dan/atau tidak not complying with and/or not implementing the
melaksanakan peraturan perundang-undangan laws and regulations that apply to the
dan ketentuan yang berlaku bagi perusahaan. Company. Measurement of compliance risk is
Pengukuran risiko kepatuhan dilakukan dengan carried out by measuring potential losses
mengukur potensi kerugian yang disebabkan caused by Companies that are not compliant
oleh Perusahaan tidak patuh dan tidak mampu and are unable to comply with applicable
memenuhi ketentuan yang berlaku. Eksposur regulations. Compliance risk exposure is
risiko kepatuhan diestimasi berdasarkan estimated based on the Company's ability to
kemampuan Perusahaan untuk menjalankan comply with all applicable internal and external
seluruh peraturan dan ketentuan yang berlaku rules and regulations.
baik internal maupun eksternal.
Potensi risiko yang muncul yaitu Perusahaan The potential risk that arises is that the
mendapatkan teguran dan denda atas kegiatan company gets a warning and a fine for the
operasional bisnis yang dijalankan karena operational activities of the business carried out
melanggar atas ketentuan regulator atau because it violates the provisions of the
peraturan perundang-undangan. regulator or laws and regulations.
Profil risiko kepatuhan pada Triwulan IV 2023 The compliance risk profile in the Fourth
berada pada tingkat “Low” dimana tingkat Quarter of 2023 was at a “Low” level where the
Risiko Inheren Risiko Kepatuhan adalah “Low” Inherent Risk level of Compliance Risk was
dengan Kualitas Penerapan Manajemen Risiko “Low” with the Quality of Risk Management
“Satisfactory”. Implementation “Satisfactory”.
117
Page 833
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
6. Risiko kepatuhan (lanjutan) 6. Compliance risk (continued)
Mitigasi yang dilakukan dalam mengendalikan The mitigations carried out in controlling risk
eksposur risiko pada risiko kepatuhan antara exposure to compliance risk include the
lain sebagai berikut: following:
1. Proaktif menyelaraskan kebijakan dan 1. Proactively align internal policies and
peraturan internal, baik bisnis maupun regulations, both business and supporting,
supporting, agar sesuai dengan regulasi; so that they comply with regulations;
2. Melaksanakan sosialisasi berkelanjutan 2. Carry out ongoing outreach regarding the
mengenai prinsip-prinsip tata kelola, Code principles of governance, Code of Conduct
of Conduct (CoC) dan sistem manajemen (CoC), and the anti-bribery management
anti penyuapan kepada seluruh karyawan system to all employees and stakeholders;
dan stakeholders;
3. Melakukan sertifikasi kepatuhan untuk 3. Carry out compliance certification for each
setiap kebijakan atau peraturan baru new or updating policy or regulation so that
maupun updating agar tidak melanggar it does not violate both internal and external
ketentuan baik internal maupun eksternal; regulations;
4. Melakukan update ketentuan regulasi 4. Update external regulatory provisions that
eksternal yang sesuai dengan bisnis are in accordance with the Company's
Perusahaan. business.
7. Risiko hukum 7. Legal risk
Risiko hukum adalah risiko yang timbul akibat Legal risk is the risk arising from lawsuits and/or
tuntutan hukum dan/atau kelemahan aspek weaknesses in legal aspects. Identified risks
hukum. Risiko yang teridentifikasi seperti such as unresolved civil lawsuits and court
adanya gugatan perdata yang belum decisions that are detrimental to the company.
terselesaikan dan adanya putusan pengadilan The Company's Legal Risk Profile in the Fourth
yang merugikan perusahaan. Profil Risiko Quarter of 2023 is at a "Low" level where the
Hukum Perusahaan pada Triwulan IV 2023 Inherent Credit Risk level is "Low" with the
berada pada tingkat “Low” dimana tingkat quality of risk management implementation
Risiko Inheren Risiko Kredit adalah “Low” "Satisfactory".
dengan kualitas penerapan manajemen risiko
“Satisfactory”.
Mitigasi yang dilakukan dalam mengendalikan Mitigation carried out in controlling risk
eksposur risiko pada Risiko Hukum, antara lain exposure to Legal Risk, among others, is as
sebagai berikut: follows:
1. Melakukan konsultasi dengan konsultan 1. Conduct consultations with legal
hukum dan aparat penegak hukum dalam consultants and law enforcement officials
rangka penyelesaian perkara; in the context of settling cases;
2. Melakukan pembakuan setiap proses 2. Standardize every important process that
penting yang dapat berakibat hukum; can have legal consequences;
3. Melakukan koordinasi dan konsultasi 3. Coordinating and consulting with external
dengan pihak eksternal; parties;
4. Melakukan pengawasan secara rutin atas 4. Carry out routine monitoring of legal risk
isu-isu risiko hukum; issues;
5. Melakukan sosialisasi dan pembinaan 5. Conduct outreach and coaching to all
kepada seluruh Kantor Cabang untuk Branch Offices to avoid recurrence of
menghindari terulangnya kasus yang similar cases;
serupa;
118
Page 834
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. MANAJEMEN RISIKO (lanjutan) 38. RISK MANAGEMENT (continued)
8. Risiko reputasi 8. Reputation risk
Risiko reputasi adalah risiko akibat menurunnya Reputation risk is the risk due to a decrease in
tingkat kepercayaan pemangku kepentingan the level of stakeholder trust stemming from a
yang bersumber dari persepsi negatif terhadap negative perception of the company. The main
perusahaan. Parameter utama terkait risiko parameters related to reputation risk include
reputasi meliputi parameter pengaruh reputasi parameters affecting the reputation of
pengurus, pemilik, dan grup, parameter management, owners and groups, parameters
pelanggaran etika bisnis, parameter frekuensi, of violations of business ethics, parameters of
materialitas, dan eksposur pemberitaan negatif, frequency, materiality and exposure to negative
serta parameter frekuensi dan materialitas news, as well as parameters of frequency and
keluhan debitur atau konsumen. Profil Risiko materiality of debtor or consumer complaints.
Reputasi Perusahaan pada Triwulan IV 2023 The Company's Reputation Risk Profile in the
berada pada tingkat “Low” dimana tingkat Fourth Quarter of 2023 is at a “Low” level where
Risiko Inheren Risiko Reputasi adalah “Low” the level of Inherent Reputation Risk is “Low”
dengan Kualitas Penerapan Manajemen Risiko with the Quality of Implementation of Risk
“Satisfactory”. Management “Satisfactory”.
Mitigasi yang dilakukan dalam mengendalikan Mitigation carried out in controlling risk
eksposur risiko pada Risiko Reputasi, antara exposure to Reputation Risk, among others, is
lain sebagai berikut: as follows:
1. Meningkatkan komunikasi terhadap pihak 1. Improving communication with external
eksternal, pengendalian risiko reputasi parties, controlling reputation risk is carried
dilakukan oleh bagian hubungan out by the public relations section of the
masyarakat pada sekretariat perusahaan; company secretariat;
2. Melakukan verifikasi dan menerbitkan 2. Verify and issue confirmations of negative
konfirmasi atas berita negatif yang muncul; news that appears;
3. Optimalisasi layanan Contact Center 3. Optimization of integrated Contact Center
terintegrasi; services;
4. Melakukan Pengawasan, Evaluasi, dan 4. Carrying out Monitoring, Evaluation and
Pembinaan serta melakukan upaya Guidance as well as making collection
penagihan kepada Mitra Binaan; efforts to Foster Partners;
5. Melakukan intensifikasi atas penanganan 5. Intensifying the handling of complaints that
keluhan yang terjadi melalui ARIANA occur through ARIANA to Monev.
hingga Monev.
39. NILAI WAJAR INSTRUMEN KEUANGAN 39. FAIR VALUE OF FINANCIAL INSTRUMENT
Manajemen menilai bahwa nilai tercatat dari aset Management consider that the carrying amount of
keuangan dan liabilitas keuangan adalah hampir financial assets and financial liabilities are
sama dengan nilai wajarnya karena memiliki jatuh approximately the same with their fair values
tempo dalam jangka pendek atau yang memiliki because of their short term maturities or they carry
tingkat bunga pasar. market rates.
Aset dan liabilitas keuangan yang diukur pada nilai Financial assets and liabilities measured at fair
wajar menggunakan hierarki nilai wajar sebagai value using the following fair value hierarchy as
berikut: follows:
a. Tingkat 1 a. Level 1
Harga kuotasian (tidak disesuaikan) dalam Quoted prices (unadjusted) in active markets
pasar aktif untuk aset atau liabilitas terkait yang for identical assets or liabilities;
identik;
119
Page 835
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. NILAI WAJAR INSTRUMEN KEUANGAN 39. FAIR VALUE OF FINANCIAL INSTRUMENT
(lanjutan) (continued)
Aset dan liabilitas keuangan yang diukur pada nilai Financial assets and liabilities measured at fair
wajar menggunakan hierarki nilai wajar sebagai value using the following fair value hierarchy as
berikut: (lanjutan) follows: (continued)
b. Tingkat 2 b. Level 2
Input selain harga kuotasian yang termasuk Inputs other than quoted prices included within
dalam tingkat 1 yang dapat diobservasi untuk level 1 that are observable for the assets or
aset atau liabilitas, baik secara langsung liabilities, either directly (that is, as prices) or
(misalnya harga) maupun tidak langsung indirectly (that is, derived from prices); and
(misalnya derivasi harga); dan
c. Tingkat 3 c. Level 3
Input untuk aset atau liabilitas yang bukan Inputs for the assets or liabilities that are not
berdasarkan data pasar yang dapat diobservasi based on observable market data
(unobservable input). (unobservable inputs).
Tabel berikut menyajikan aset dan liabilitas The following table presents the Group’s financial
keuangan Grup yang diukur mendekati nilai wajar asset and liabilities that are measured approximate
pada 31 Desember 2023 dan 2022. their fair value as at December 31, 2023 and 2022.
31 Desember/December 31, 2023
Nilai tercatat/
Carrying Tingkat 1/ Tingkat 2/ Tingkat 3/ Nilai wajar/
value Level 1 Level 2 Level 3 Fair value
Aset keuangan Financial assets
Kas dan setara kas 263.631 263.631 - - 263.631 Cash and cash equivalents
Pinjaman yang diberikan -
bersih 64.456.296 - - 64.456.296 64.456.296 Loans - net
Pendapatan yang masih Accrued
harus diterima 2.264.818 - - 2.264.818 2.264.818 income
Piutang lain-lain - bersih 496.523 - - 496.523 496.523 Other receivables - net
67.481.268 263.631 - 67.217.637 67.481.268
31 Desember/December 31, 2023
Nilai tercatat/
Carrying Tingkat 1/ Tingkat 2/ Tingkat 3/ Nilai wajar/
value Level 1 Level 2 Level 3 Fair value
Liabilitas keuangan Financial liabilities
Pinjaman bank 35.024.788 - - 35.024.788 35.024.788 Bank loans
Utang usaha 645.359 - - 645.359 645.359 Trade payables
Utang kepada nasabah 242.831 - - 242.831 242.831 Payables to customers
Surat berharga yang
diterbitkan 8.198.004 7.766.122 - - 7.766.122 Securities issued
Liabilitas lain-lain 239.565 - - 239.565 239.565 Other liabilities
Pinjaman dari Pemerintah 26.593 - - 25.570 25.570 Loans from government
44.377.140 7.766.122 - 36.178.113 43.944.235
120
Page 836
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. NILAI WAJAR INSTRUMEN KEUANGAN 39. FAIR VALUE OF FINANCIAL INSTRUMENT
(lanjutan) (continued)
Tabel berikut menyajikan aset dan liabilitas The following table presents the Group’s financial
keuangan Grup yang tidak diukur sebesar nilai wajar asset and liabilities that are not measured at fair
pada 31 Desember 2023 dan 2022. (lanjutan) value as at December 31, 2023 and 2022.
(continued)
31 Desember/December 31, 2022
Nilai tercatat/
Carrying Tingkat 1/ Tingkat 2/ Tingkat 3/ Nilai wajar/
value Level 1 Level 2 Level 3 Fair value
Aset keuangan Financial assets
Kas dan setara kas 378.750 378.750 - - 378.750 Cash and cash equivalents
Pinjaman yang diberikan -
bersih 55.347.852 - - 55.347.852 55.347.852 Loans - net
Pendapatan yang masih
harus diterima 2.379.068 - - 2.379.068 2.379.068 Accrued income
Piutang lain-lain - bersih 837.521 - - 837.521 837.521 Other receivables - net
58.943.191 378.750 - 58.564.441 58.943.191
31 Desember/December 31, 2022
Nilai tercatat/
Carrying Tingkat 1/ Tingkat 2/ Tingkat 3/ Nilai wajar/
value Level 1 Level 2 Level 3 Fair value
Liabilitas keuangan Financial liabilities
Pinjaman bank 25.270.571 - - 25.270.571 25.270.571 Bank loans
Utang usaha 587.745 587.745 587.745 Trade payables
Utang kepada nasabah 179.994 - - 179.994 179.994 Payables to customers
Surat berharga yang
diterbitkan 12.291.310 11.356.814 - - 11.356.814 Securities issued
Liabilitas lain-lain 250.163 - - 231.949 231.949 Other liabilities
Pinjaman dari Pemerintah 372.184 - - 318.342 318.342 Loans from government
38.951.967 11.356.814 - 26.588.601 37.945.415
40. TRANSAKSI NON KAS 40. NON-CASH TRANSACTION
Pada tanggal 31 Desember 2023 dan 2022, aset In December 31, 2023 and 2022, the Group’s fixed
tetap Grup meningkat sebesar Rp353.077 dan assets increased by Rp353,077 and Rp65,304
Rp65.304 melalui utang kepada rekanan. respectively through debt to partners.
41. REKONSILIASI UTANG BERSIH 41. NET DEBT RECONCILIATION
Surat berharga
yang diterbitkan/
Pinjaman Securities issued
Pinjaman pemerintah/
Bank/ Government Medium term/ Obligasi/
Bank loans loans note Bonds
Utang bersih 31 Desember 2021 23.248.153 810.871 - 9.240.972 Net debt December 31, 2021
Arus kas penerimaan 137.385.768 14.000 - 7.020.000 Cash flow of receipts
Arus kas pembayaran pokok (135.363.350) (452.687) - (3.967.838) Cash flow of principal payment
Perubahan lain-lain - - - (1.824) Other changes
Utang bersih 31 Desember 2022 25.270.571 372.184 - 12.291.310 Net debt December 31, 2022
Arus kas penerimaan 304.081.261 - - 5.268.200 Cash flow of receipts
Arus kas pembayaran pokok (294.327.046) (345.591) - (9.362.000) Cash flow of principal payment
Perubahan lain-lain - - - 494 Other changes
Utang bersih 31 Desember 2023 35.024.786 26.593 - 8.198.004 Net debt December 31, 2023
121
Page 837
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
42. KONTINJENSI 42. CONTINGENCIES
Sengketa aset Asset dispute
Kantor cabang Cikudapateuh, Bandung Branch office Cikudapateuh, Bandung
Perusahaan saat ini sedang menghadapi The Company is currently facing lawsuit related to
permasalahan terkait sengketa Perbuatan Melawan ownership disputes of land & buildings located at the
Hukum (PMH) dalam pemilikan dan penguasaan Cikudapateuh Branch Office, Batununggal District,
tanah & bangunan yang terletak di Kantor Cabang Kacapiring Village, Bandung City.
Cikudapateuh, Kecamatan Batununggal, Kelurahan
Kacapiring, Kota Bandung.
Aset yang menjadi objek sengketa adalah seluas The asset dispute is an area of 2,935 m2
2.935 m2 (dua ribu sembilan ratus tiga puluh lima (two thousand nine hundred and thirty-five square
meter persegi) yang terletak di Jalan Ahmad Yani meters) located at Jalan Ahmad Yani No. 240
No. 240 Kelurahan Kacapiring Kecamatan Kelurahan Kacapiring, Batununggal Subdistrict,
Batununggal Kota Bandung bernilai sebesar Bandung City, amounted Rp90,679,000,000
Rp90.679.000.000 (nilai penuh) sesuai Surat (full amount) according to Letter
Penawaran No. 2007/PH/KHBS-PGD/VII/2020 No. 2007/PH/KHBS-PGD/VII/2020 dated
tanggal 6 Juli 2020. Pembuatan sertifikat tanah July 6, 2020. The certification process by
tersebut oleh Perusahaan terkendala karena the Company was hampered due to objections from
adanya keberatan dari PT Pamada Jaya dan aset PT Pamada Jaya and the asset was not physically
tersebut secara fisik tidak dikuasai oleh controlled by the Company but controlled by
Perusahaan tetapi dikuasai oleh PT Pamada Jaya. PT Pamada Jaya.
Secara yuridis, Perusahaan merupakan pemilik sah Juridically, the Company is the legal owner of the
terhadap lahan tanah di Kantor Cabang land in the Cikudapateuh Branch Office,
Cikudapateuh, Kecamatan Batununggal, Kelurahan Batununggal District, Kacapiring Village, Bandung
Kacapiring, Kota Bandung sesuai bukti atas hak City according to the evidence on the rights owned
yang dimiliki oleh Perusahaan, namun terdapat by the Company, but there are several obstacles in
beberapa kendala pada proses pembuatan sertifikat the certification process at BPN and resistance from
di BPN dan resistensi dari PT Pamada Jaya. Secara PT Pamada Jaya. Substantially, the handling of
substansi, penanganan sengketa aset memiliki asset disputes has a potential risk of loss of
risiko potensi kerugian sebesar Rp90.679.000.000 Rp90,679,000,000 (full amount). As of December
(nilai penuh). Pada tanggal 31 Desember 2023, 31, 2023, the Company has provide provision
Perusahaan telah membentuk cadangan sebesar amounted to Rp90,679,000,000 (full amount) for
Rp90.697.000.000 (nilai penuh) atas potensi potential loses arising from assets disputes
kerugian akibat sengketa aset tersebut (Catatan 18). (Note 18).
Hak Cipta Pegadaian Tabungan Emas Pegadaian Gold Savings Copyright
Perusahaan sedang menghadapi gugatan atas The Company is facing a lawsuit for copyright
Pelanggaran Hak Cipta Pegadaian Tabungan Emas infringement of Pegadaian Gold Savings with case
dengan No. Register perkara: 40/Pdt.Sus-Hak registration No. 40/Pdt.Sus-
Cipta/2022/PN.Niaga. Jakarta Pusat yang diajukan Copyright/2022/PN.Niaga. Central Jakarta which is
oleh Sdr. Arie Indra Manurung selaku penggugat proposed by Mr. Arie Indra Manurung as the plaintiff
kepada Perusahaan selaku Tergugat dan against the Company as the Defendant and the
Pemerintah RI c.q.Kemenkumham c.q.Ditjen HKI Indonesian Government c.q.Kemenkumham
c.q.Direktorat Hak Cipta, Desain Industri, Desain c.q.Directorate General of Intellectual Property
Tata Letak Sirkuit Terpadu dan Rahasia Dagang Rights c.q.Directorate of Copyright, Industrial
selaku Turut Tergugat di Pengadilan Niaga Jakarta Design, Layout Design of Integrated Circuits and
Pusat. Dalam petitumnya, Penggugat meminta Trade Secret as Co-Defendant at the Central
kepada Perusahaan untuk membayar kerugian Jakarta Commercial Court. In their petitum, the
materiil sebesar Rp222.500.000.000 Plaintiff asked the Company to pay a material loss
(nilai penuh) dan kerugian immaterial sebesar of Rp222,500,000,000 (full amount) and an
Rp100.000.000.000 (nilai penuh). immaterial loss of Rp100,000,000,000 (full amount).
122
Page 838
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
42. KONTINJENSI (lanjutan) 42. CONTINGENCIES (continued)
Sengketa aset (lanjutan) Asset dispute (continued)
Hak Cipta Pegadaian Tabungan Emas (lanjutan) Pegadaian Gold Savings Copyright (continued)
Pada tanggal 30 Agustus 2022, sebagaimana telah On August 30, 2022, as decided in the deliberative
diputuskan dalam sidang permusyawaratan Majelis session of the Panel of Judges of the Commercial
Hakim Pengadilan Niaga pada Pengadilan Negeri Court at the Central Jakarta District Court, that in
Jakarta Pusat, bahwa pada pokoknya Majelis essence the Panel of Judges in their decision
Hakim dalam amar putusannya menolak seluruh rejected the entire plaintiff's claim. Based on this
gugatan Penggugat. Atas putusan tersebut, decision, the Plaintiff made an appeal to the
Penggugat melakukan upaya hukum Kasasi kepada Supreme Court of the Republic of Indonesia which
Mahkamah Agung Republik Indonesia yang was registered through the Central Jakarta District
didaftarkan melalui Pengadilan Negeri Jakarta Court on September 6, 2022 and received a copy of
Pusat pada tanggal 6 September 2022 dan telah the Memorandum of Cassation on October 7, 2022.
diterima Salinan Memori Kasasinya pada tanggal
7 Oktober 2022.
Pada tanggal 9 Februari 2023, berdasarkan putusan On February 9, 2023, based on cassation decision
kasasi No. 135 K/Pdt.Sus-HKI/2023, Mahkamah No. 135 K/Pdt.Sus-HKI/2023 the Supreme Court
Agung menolak seluruh permohonan penggugat has rejected all the appeal from the plaintiff therefore
sehingga Perusahaan telah membalik cadangan the Company has reversed provision in 2022
yang dibentuk di tahun 2022 sebesar amounting to Rp225,500,000,000 (full amount) for
Rp225.500.000.000 (nilai penuh) atas potensi the potential loses arising from material loss .
kerugian materiil.
Tanah di Bidara Cina, Jakarta Timur Land at Bidara Cina, East Jakarta
Perusahaan memiliki Hak Guna Bangunan (HGB) The Company has the Right to Build (HGB) on land
atas tanah di Bidara Cina berdasarkan pada at Bidara Cina based on Certificate No. 1360 dated
Sertifikat Hak Guna Bangunan No. 1360 tanggal 2 April 2, 1997 Cipinang Cempedak Village which will
April 1997 Desa Cipinang Cempedak yang akan expire on April 2, 2027. The acquisition of HGB by
berakhir pada tanggal 2 April 2027. Perolehan HGB Pegadaian started from a sale and purchase
oleh Pegadaian berawal dari transaksi jual beli transaction of persil land with the rights eigendom
sebidang tanah persil hak eigendom verponding verponding No. 3940 covering an area of 26,570 m2
Nomor 3940 seluas 26.570 m2 antara Mas Kasan between Mas Kasan Kartadiredja and Soewardi
Kartadiredja kepada Soewardi berdasarkan Akta based on the Notary Deed RM Soerojo No. 71 and
Notaris R.M. Soerojo No. 71 dan 72 tanggal 72 dated August 9, 1957. The ownership of the land
9 Agustus 1957. Tanah tersebut diklaim was also claimed by Mr. Soegiyanto Wachyudi
kepemilikannya juga oleh Bapak Soegiyanto based on a photocopy of the Notary Deed of Rd.
Wachyudi dengan dasar dokumen fotokopi Akta Soedja No. 68 dated August 8, 1958 in the form of a
Notaris Rd. Soedja No. 68 tanggal 8 Agustus 1958 sale and purchase transaction and transfer of rights
berupa traksaksi jual beli dan pemindahan hak oleh by Mas Kasan Kartadiredja to Mr. Soegiyanto
Mas Kasan Kartadiredja kepada Bapak Soegiyanto Wachyudi.
Wachyudi.
Berdasarkan hasil pengecekan akta-akta tersebut, Based on the results of checking on the deeds, it is
diketahui bahwa Akta Notaris No. 71 dan 72 yang known that the Notary Deeds Number 71 and 72
dimiliki oleh Perusahaan atas tanah Bidara Cina owned by Management on Bidara Cina land are
adalah asli dan berkekuatan hukum. Meskipun original and have legal force. Nevertheless, in
demikian, secara substansi, karena belum adanya substance, because there is no legal certainty
kepastian hukum terhadap Hak Kepemilikan dan regarding Land Ownership Rights and Land Legality
Legalitas Lahan Tanah di Bidara Cina, Jl. DI in Bidara Cina, Jl. DI Panjaitan, East Jakarta, the
Panjaitan, Jakarta Timur, sengketa aset di lahan dispute over the land assets has the risk of losing
tersebut memiliki risiko hilangnya aset lahan tanah land assets in Bidara Cina, Jl. DI Panjaitan, East
di Bidara Cina, Jl. DI Panjaitan, Jakarta Timur senilai Jakarta amounted Rp440,000,000,000 (full amount)
Rp440.000.000.000 (nilai penuh) atau potensi or potential loss of the Company to pay to Mr. Nefo
kerugian Perusahaan untuk membayar kepada Sdr. Judianto Rp440,000,000,000 (full amount).
Nefo Judianto sebesar Rp440.000.000.000 (nilai
penuh).
123
Page 839
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
42. KONTINJENSI (lanjutan) 42. CONTINGENCIES (continued)
Sengketa aset (lanjutan) Asset dispute (continued)
Tanah di Bidara Cina, Jakarta Timur (lanjutan) Land at Bidara Cina, East Jakarta (continued)
Pada saat laporan keuangan ini diterbitkan, kasus By the time this financial statement was published,
sengketa hukum ini telah dihentikan demi hukum this legal dispute case has been terminated in favor
berdasarkan Surat Perintah Penghentian of the law according to Surat Perintah Penghentian
Penyidikan No. SPPP/228/II/2022/Ditreskrimum Penyidikan No. SPPP/228/II/2022/Ditreskrimum on
tanggal 24 Februari 2022. February 24, 2022.
43. STANDAR AKUNTANSI KEUANGAN YANG 43. FINANCIAL ACCOUNTING STANDARDS ISSUED
TELAH DISAHKAN NAMUN BELUM BERLAKU BUT NOT YET EFFECTIVE
EFEKTIF
Standar akuntansi keuangan yang telah disahkan The financial accounting standards that are issued
oleh Dewan Standar Akuntansi Keuangan (DSAK), by the Indonesian Financial Accounting Standards
tetapi belum berlaku efektif untuk laporan keuangan Board (DSAK), but not yet effective for current
konsolidasian tahun berjalan diungkapkan di bawah consolidated financial statements are disclosed
ini. Perusahaan bermaksud untuk menerapkan below. The Company intends to adopt these
standar tersebut, jika dipandang relevan, saat telah standards, if applicable, when they become
menjadi efektif. effective.
Efektif berlaku pada atau setelah tanggal Effective on or after January 1, 2024:
1 Januari 2024:
Amandemen PSAK 1: Liabilitas Jangka Panjang Amendment of PSAK 1: Non-current Liabilities with
dengan Kovenan Covenants
Amandemen ini menentukan persyaratan untuk The amendments specify the requirements for
mengklasifikasikan suatu liabilitas sebagai jangka classifying liabilities as current or non-current and
pendek atau jangka panjang dan menjelaskan: clarify:
1. hal yang dimaksud sebagai hak untuk 1. what is meant by a right to defer settlement,
menangguhkan pelunasan,
2. hak untuk menangguhkan pelunasan harus ada 2. the right to defer must exist at the end of the
pada akhir periode pelaporan, reporting period,
3. klasifikasi tersebut tidak dipengaruhi oleh 3. classification is not affected by the likelihood
kemungkinan entitas akan menggunakan that an entity will exercise its deferral right, and
haknya untuk menangguhkan liabilitas, dan
4. hanya jika derivatif melekat pada liabilitas 4. only if an embedded derivative in a convertible
konversi tersebut adalah suatu instrumen liability is an equity instrument would the terms
ekuitas, maka syarat dan ketentuan dari suatu and conditions of a liability will not impact its
liabilitas konversi tidak akan berdampak pada classification.
klasifikasinya.
Selain itu, persyaratan telah diperkenalkan untuk In addition, a requirement has been introduced to
mewajibkan pengungkapan ketika suatu kewajiban require disclosure when a liability arising from a loan
timbul dari pinjaman perjanjian diklasifikasikan agreement is classified as non-current and the
sebagai tidak lancar dan hak entitas untuk menunda entity’s right to defer settlement is contingent on
penyelesaian bergantung pada kepatuhan terhadap compliance with future covenants within twelve
persyaratan di masa depan dalam waktu dua belas months.
bulan.
124
Page 840
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
43. STANDAR AKUNTANSI KEUANGAN YANG 43. FINANCIAL ACCOUNTING STANDARDS ISSUED
TELAH DISAHKAN NAMUN BELUM BERLAKU BUT NOT YET EFFECTIVE (continued)
EFEKTIF (lanjutan)
Efektif berlaku pada atau setelah tanggal Effective on or after January 1, 2024: (continued)
1 Januari 2024: (lanjutan)
Amandemen PSAK No. 73: Liabilitas Sewa dalam Amendment of PSAK No. 73: Lease liability in a Sale
Jual Beli dan Sewa-balik and Leaseback
Amandemen PSAK No. 73 Sewa menetapkan The amendment to PSAK No. 73 Leases specifies
persyaratan yang digunakan penjual-penyewa dalam the requirements that a seller-lessee uses in
mengukur kewajiban sewa yang timbul dalam measuring the lease liability arising in a sale and
transaksi jual beli dan sewa-balik, untuk memastikan leaseback transaction, to ensure the seller-lessee
penjual-penyewa tidak mengakui jumlah setiap does not recognise any amount of the gain or loss
keuntungan atau kerugian yang terkait dengan hak that relates to the right of use it retains.
guna yang dipertahankan.
Amandemen PSAK No. 2 dan PSAK No. 60: Amendment of PSAK No. 2 and PSAK No. 60:
Pengaturan Pembiayaan Pemasok Supplier Finance Arrangements
Amandemen PSAK No. 2 dan PSAK No. 60 The amendments to PSAK No. 2 and PSAK No. 60
mengklarifikasi karakteristik pengaturan pembiayaan clarify the characteristics of supplier finance
pemasok dan mensyaratkan pengungkapan arrangements and require additional disclosure of
tambahan atas pengaturan pembiayaan pemasok such arrangements. The disclosure requirements in
tersebut. Persyaratan pengungkapan dalam the amendments are intended to assist users of
amandemen ini dimaksudkan untuk membantu financial statements in understanding the effects of
pengguna laporan keuangan dalam memahami supplier finance arrangements on an entity’s
dampak pengaturan pembiayaan pemasok terhadap liabilities, cash flows and exposure to liquidity risk.
liabilitas, arus kas, dan eksposur terhadap risiko
likuiditas suatu entitas.
Amandemen berlaku secara retrospektif untuk The amendment applies retrospectively to annual
periode pelaporan tahunan yang dimulai pada atau reporting periods beginning on or after January 1,
setelah tanggal 1 Januari 2024. Penerapan dini 2024. Earlier application is permitted.
diperkenankan.
Efektif berlaku pada atau setelah tanggal Effective on or after January 1, 2025:
1 Januari 2025:
PSAK No. 74: Kontrak Asuransi PSAK No. 74: Insurance Contracts
Standar akuntansi baru yang komprehensif untuk A comprehensive new accounting standard for
kontrak asuransi yang mencakup pengakuan dan insurance contracts covering recognition and
pengukuran, penyajian dan pengungkapan, pada measurement, presentation and disclosure, upon its
saat berlaku efektif PSAK No. 74 akan menggantikan effective date, PSAK No. 74 will replace
PSAK No. 62: Kontrak Asuransi. PSAK No. 74 PSAK No. 62: Insurance Contracts. PSAK No. 74
berlaku untuk semua jenis kontrak asuransi, jiwa, applies to all types of insurance contracts, life, non-
non-jiwa, asuransi langsung dan reasuransi, terlepas life, direct insurance and re-insurance, regardless of
dari entitas yang menerbitkannya, serta untuk the entities issuing them, as well as to certain
jaminan dan instrumen keuangan tertentu dengan guarantees and financial instruments with
fitur partisipasi tidak mengikat, serta beberapa discretionary participation features, while a few
pengecualian ruang lingkup akan berlaku. Tujuan scope exceptions will apply. The overall objective of
keseluruhan dari PSAK No. 74 adalah untuk PSAK No. 74 is to provide an accounting model for
menyediakan model akuntansi untuk kontrak insurance contracts that is more useful and
asuransi yang lebih bermanfaat dan konsisten untuk consistent for insurers.
asuradur.
125
Page 841
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
43. STANDAR AKUNTANSI KEUANGAN YANG 43. FINANCIAL ACCOUNTING STANDARDS ISSUED
TELAH DISAHKAN NAMUN BELUM BERLAKU BUT NOT YET EFFECTIVE (continued)
EFEKTIF (lanjutan)
Efektif berlaku pada atau setelah tanggal Effective on or after January 1, 2025: (continued)
1 Januari 2025: (lanjutan)
PSAK No. 74 : Kontrak Asuransi (lanjutan) PSAK No. 74 : Insurance Contracts
PSAK No. 74 berlaku efektif untuk periode pelaporan PSAK No. 74 is effective for reporting periods
yang dimulai pada atau setelah tanggal 1 Januari beginning on or after 1 January 2025, with
2025, dengan mensyaratkan angka komparatif. comparative figures required. Early application is
Penerapan dini diperkenankan bila entitas juga permitted, provided the entity also applies
menerapkan PSAK No. 71 dan PSAK No. 72 pada PSAK No. 71 and PSAK No. 72 on or before the
atau sebelum tanggal penerapan awal PSAK No. 74. date of initial application of PSAK No. 74. This
Standar ini tidak diharapkan memiliki dampak pada standard is not expected to have any impact to the
pelaporan keuangan Grup pada saat diadopsi untuk financial reporting of the Group upon first-time
pertama kali. adoption.
Grup saat ini sedang menilai dampak dari The Group is currently assessing the impact of the
amandemen tersebut untuk menentukan dampaknya amendment to determine the impact they will have
terhadap pelaporan keuangan Grup. on the Group’s financial reporting.
44. PERISTIWA PENTING SETELAH PERIODE 44. SIGNIFICANT EVENT AFTER THE DATE OF
PELAPORAN STATEMENT OF FINANCIAL POSITION
1. Pada tanggal 10 Januari 2024, Perusahaan 1. On January 10, 2024, the Company has
telah mendapatkan perpanjangan fasilitas obtained an extension of the credit facility from
kredit dari PT Bank Negara Indonesia (Persero) PT Bank Negara Indonesia (Persero) Tbk as
Tbk dengan rincian sebagai berikut follows
- Fasilitas Kredit Modal Kerja (KMK) - Revolving Working Capital Credit Facility
Revolving dengan plafon Rp1.000.000 dan (KMK) with a plafond of Rp1,000,000 and
Jangka waktu 12 bulan dimulai dari tanggal a period of twelve months starting from
15 Januari 2024 sampai dengan tanggal January 15, 2024 to January 14, 2025; and
14 Januari 2025; dan
- Fasilitas Kredit Plafon KMK sifat - KMK Ceiling Credit Facility is Uncommitted
Uncommitted dengan plafon Rp4.100.000 with a plafond of Rp4,100,000 and a period
dan jangka waktu selama 12 bulan dimulai of twelve months starting from January 15,
dari tanggal 15 Januari 2024 sampai 2024 to January 14, 2025.
dengan tanggal 14 Januari 2025.
2. Pada tanggal 23 Januari 2024, Perusahaan 2. On January 23, 2024, the Company has
telah mendapatkan pemberitahuan received a notification of extension of the Credit
perpanjangan fasilitas kredit dari PT Bank Facility from PT Bank Central Asia Tbk, as
Central Asia Tbk, menjadi sebagai berikut: follows
- Fasilitas Kredit Lokal dengan plafon - Local Credit Facility with a plafond of
Rp300.000 terhitung sejak tanggal 26 Rp300,000 starting from January 26, 2024
Januari 2024 dan berakhir pada tanggal 26 and ending on April 26, 2024;
April 2024;
- Fasilitas Kredit Time Loan Revolving - Time Loan Revolving Credit Facility with a
dengan plafon Rp1.000.000 terhitung sejak plafond of Rp1,000,000 starting from
tanggal 26 Januari 2024 dan berakhir pada January 26, 2024 and ending on April 26,
tanggal 26 April 2024; dan 2024; and
- Fasilitas Pinjaman Berjangka Money - Money Market Term Loan Facility with a
Market dengan plafon Rp17.000.000 plafond of Rp17,000,000 starting from
terhitung sejak tanggal 26 Januari 2024 January 26, 2024 and ending on April 26,
dan berakhir pada tanggal 26 April 2024. 2024.
126
Page 842
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN DAN ENTITAS ANAKNYA PT PEGADAIAN AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO CONSOLIDATED
KEUANGAN KONSOLIDASIAN THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Jutaan Rupiah, (Expressed in Millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
45. INFORMASI KEUANGAN TERSENDIRI ENTITAS 45. PARENT ENTITY FINANCIAL INFORMATION
INDUK
Informasi keuangan tersendiri Entitas Induk hanya The Parent Entity's separate financial information
menyajikan informasi laporan posisi keuangan only presents information on the statement of
tanggal 31 Desember 2023 dan laporan laba rugi financial position as of 31 December 2023 and the
dan penghasilan komprehensif lain, laporan statement of profit or loss and other comprehensive
perubahan ekuitas dan laporan arus kas untuk tahun income, the statement of changes in equity and the
yang berakhir pada tanggal tersebut, dan catatan cash flow statement for the year ended on that date,
atas investasi pada entitas anak disajikan dengan and notes on investments in subsidiaries are
metode biaya. presented using the cost method. .
Laporan keuangan tersendiri Entitas Induk disajikan The Parent Entity's separate financial report is
pada halaman 128-134. presented on pages 128-134.
127
Page 843
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN PT PEGADAIAN
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
ENTITAS INDUK PARENT ENTITY
31 DESEMBER 2023 DECEMBER 31, 2023
(Dinyatakan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
ASET ASSETS
Kas dan setara kas Cash and cash equivalents
- pihak berelasi 204.828 168.218 related parties -
- pihak ketiga 77.155 125.763 third parties -
Pinjaman yang diberikan 67.573.563 59.052.916 Loans
Dikurangi: cadangan kerugian Less: allowance for
penurunan nilai (3.117.267) (3.705.064) impairment losses
Pinjaman yang diberikan - bersih 64.456.296 55.347.852 Loans - net
Piutang lain-lain - bersih 341.788 802.190 Other receivables - net
Persediaan 91 27.788 Inventories
Pendapatan yang masih harus diterima 2.562.805 2.379.068 Accrued income
Beban dibayar di muka 34.462 54.596 Prepaid expenses
Aset hak guna 512.548 500.615 Right-of-use assets
Investasi pada entitas asosiasi 917.765 834.404 Investment in associates
Penyertaan langsung 17.384 11.869 Direct participation
Properti investasi 181.246 180.025 Investment properties
Aset tetap - bersih 11.368.306 11.085.792 Fixed assets - net
Aset takberwujud - bersih 160.077 122.946 Intangible assets - net
Aset pajak tangguhan 1.573.252 1.610.381 Deferred tax assets
Aset lain-lain 3.985 - Other assets
JUMLAH ASET 82.411.988 73.251.507 TOTAL ASSETS
LIABILITAS LIABILITIES
Utang kepada nasabah 242.830 179.994 Payables to customers
Utang usaha 713.555 703.672 Trade payables
Utang pajak Taxes payable
- Pajak penghasilan badan 291.330 168.416 Corporate income tax -
- Pajak lain-lain 127.003 91.274 Other taxes -
Akrual 2.916.506 3.269.315 Accruals
Pendapatan diterima di muka 48.647 54.042 Unearned revenue
Liabilitas lain-lain 449.999 620.165 Other liabilities
Liabilitas sewa 113.297 163.181 Lease liabilities
Pinjaman bank Bank loans
- pihak berelasi 20.587.826 15.184.612 related parties -
- pihak ketiga 14.434.961 10.083.959 third parties -
Surat berharga yang diterbitkan 8.198.004 12.291.310 Securities issued
Pinjaman dari pemerintah 26.593 372.184 Loans from government
Liabilitas imbalan kerja 1.715.723 1.737.672 Employee benefit liabilities
JUMLAH LIABILITAS 49.866.274 44.919.796 TOTAL LIABILITIES
128
Page 844
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN PT PEGADAIAN
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
ENTITAS INDUK (lanjutan) PARENT ENTITY (continued)
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
31 DESEMBER 2023 (lanjutan) DECEMBER 31, 2023 (continued)
(Dinyatakan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
EKUITAS EQUITY
Modal saham Share capital
Modal saham - Nilai nominal Shared capital - Nominal amount
Rp1.000.000 (nilai penuh) Rp1.000.000 (full amount)
per lembar saham at par per share
Modal dasar Authorised capital
- 1 lembar saham seri A Dwiwarna 1 share of series A Dwiwarna -
- 24.999.999 lembar saham seri B 24.999.999 shares of series B -
masing-masing per 31 Desember as at December 31, 2023 and
2023 dan 31 Desember 2022 December 31, 2022 respectively
Modal ditempatkan dan disetor penuh Issued and fully paid capital
- 1 lembar saham seri A Dwiwarna 1 share of series A Dwiwarna -
- 6.249.999 lembar saham seri B 6,249.999 shares of series B -
masing-masing per 31 Desember as at December 31, 2023 and
2023 dan 31 Desember 2022 6.250.000 6.250.000 December 31, 2022. respectively
Cadangan revaluasi aset 7.655.868 7.738.277 Assets revaluation reserves
Pengukuran kembali Remeasurements of post-
imbalan pasca kerja (824.090) (658.673) employment benefits
Saldo laba yang telah dicadangkan 14.785.543 11.487.231 Appropriated retained earnings
Saldo laba yang belum dicadangkan 4.678.393 3.514.876 Unappropriated retained earnings
JUMLAH EKUITAS 32.545.714 28.331.711 TOTAL EQUITY
JUMLAH LIABILITAS DAN EKUITAS 82.411.988 73.251.507 TOTAL LIABILITIES AND EQUITY
129
Page 845
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN PT PEGADAIAN
LAPORAN LABA RUGI DAN STATEMENTS OF PROFIT OR LOSS AND
PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
ENTITAS INDUK PARENT ENTITY
UNTUK TAHUN-TAHUN YANG BERAKHIR FOR THE YEARS ENDED
31 Desember 2023 December 31, 2023
(Dinyatakan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tahun yang berakhir pada tanggal
31 Desember/Year ended December 31
2023 2022
Pendapatan usaha Operating revenues
Pendapatan sewa modal
dan administrasi 15.987.067 14.362.644 Interest and administration revenues
Pendapatan usaha lainnya 728.591 566.175 Other operating revenues
Jumlah pendapatan usaha 16.715.658 14.928.819 Total operating revenues
Beban usaha Operating expenses
Beban pegawai 4.495.427 4.389.927 Employee expenses
Beban bunga dan bagi hasil 2.397.062 1.676.121 Interest and profit sharing expense
Beban administrasi dan umum 3.871.947 4.002.783 General and administration expenses
Beban pemasaran 182.475 160.663 Marketing expenses
Cadangan kerugian penurunan nilai 132.652 493.950 Allowances for impairment losses
Jumlah beban usaha 11.079.563 10.723.444 Total operating expenses
Laba usaha 5.636.095 4.205.375 Operating profit
Pendapatan lain-lain - bersih 8.232 (7.710) Other income - net
Laba sebelum pajak penghasilan 5.644.327 4.197.665 Profit before income tax
Beban pajak penghasilan (1.271.681) (980.593) Income tax expenses
Laba tahun berjalan dari Profit for the current year
operasi yang dilanjutkan 4.372.646 3.217.072 from continuing operations
Laba bersih tahun berjalan 4.372.646 3.217.072 Net income for the current year
Penghasilan komprehensif lain: Other comprehensive income:
Pos-pos yang tidak akan Items that will not be
direklasifikasi ke laba rugi: reclassified to profit or loss:
- Pengukuran kembali Remeasurements of -
imbalan pasca kerja (212.073) 185.266 post employment benefits
- Keuntungan revaluasi tanah Gains on revaluation of -
dan bangunan 6.774 186.622 land and buildings
- Efek pajak terkait 46.656 (54.963) Related tax effect -
Penghasilan komprehensif lain Other comprehensive income
tahun berjalan setelah pajak (158.643) 316.925 for the current year. net of tax
Jumlah penghasilan Total comprehensive income
komprehensif tahun berjalan 4.214.003 3.533.997 for the current year
Laba bersih per saham Earnings per share
dasar dan dilusian basic and diluted
(dalam Rupiah penuh) 699.623 514.732 (in full Rupiah amount)
130
Page 846
The original consolidated financial statements included herein are in Indonesian language.
PT PEGADAIAN PT PEGADAIAN
LAPORAN PERUBAHAN EKUITAS STATEMENTS OF CHANGES IN EQUITY
ENTITAS INDUK PARENT ENTITY
UNTUK TAHUN-TAHUN YANG BERAKHIR FOR THE YEARS ENDED
31 DESEMBER 2023 DECEMBER 31, 2023
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
Pengukuran
Cadangan kembali imbalan Saldo laba/Retained earnings
revaluasi aset/ pasca kerja/
Assets Remeasurement of Belum
Modal saham/ revaluation post employment Dicadangkan/ dicadangkan/ Jumlah ekuitas/
Share capital reserves benefits Appropriated Unappropriated Total equity
Saldo pada tanggal 1 Januari 2022 6.250.000 7.655.029 (803.180) 10.516.523 2.635.404 26.253.776 Balance as at January 1, 2022
Dividen - - - - (1.456.062) (1.456.062) Dividend
Pembentukan cadangan umum - - - 970.708 (970.708) - Appropriation of general reserves
Cadangan revaluasi aset - (89.170 ) - - 89.170 - Assets revaluation reserve
Laba bersih tahun berjalan - - - - 3.217.072 3.217.072 Net income for the year
Penghasilan komprehensif lain: Other comprehensive income:
Remeasurement of post -
- Pengukuran kembali imbalan pasca kerja - - 185.266 - - 185.266 employment benefit
Gains on revaluation -
- Keuntungan revaluasi tanah dan bangunan - 186.622 - - - 186.622 land and buildings
- Efek pajak terkait - (14.204 ) (40.759) - - (54.963) Related tax effect -
Jumlah penghasilan komprehensif tahun berjalan - 172.418 144.507 - 3.217.072 3.533.997 Total other comprehensive current year
Saldo pada tanggal 31 Desember 2022 6.250.000 7.738.277 (658.673) 11.487.231 3.514.876 28.331.711 Balance as at December 31, 2022
Dividen - - - - - - Dividend
Pembentukan cadangan umum - - - 3.298.312 (3.298.312) - Appropriation of general reserves
Cadangan revaluasi aset - (89.183 ) - - 89.183 - Assets revaluation reserve
Laba bersih tahun berjalan - - - - 4.372.646 4.372.646 Net income for the year
Penghasilan komprehensif lain: Other comprehensive income:
Remeasurement of post -
- Pengukuran kembali imbalan pasca kerja - - (212.073) - - (212.073) employment benefit
Gains on revaluation -
- Keuntungan revaluasi tanah dan bangunan - 6.774 - - - 6.774 land and buildings
- Efek pajak terkait - - 46.656 - - 46.656 Related tax effect -
Jumlah penghasilan komprehensif tahun berjalan - 6.774 (165.417) - 4.372.646 4.214.003 Total other comprehensive current year
Saldo pada tanggal 31 Desember 2023 6.250.000 7.655.868 (824.090) 14.785.543 4.678.393 32.545.714 Balance as at December 31, 2023
131
Page 847
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN PT PEGADAIAN
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
ENTITAS INDUK PARENT ENTITY
UNTUK TAHUN-TAHUN YANG BERAKHIR FOR THE YEARS ENDED
31 Desember 2023 December 31, 2023
(Dinyatakan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tahun yang berakhir pada tanggal
31 Desember/Year ended December 31
2023 2022
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan kas dari pelanggan: Cash receipt from customers:
Pelunasan pinjaman yang diberikan 196.634.384 172.939.979 Loan receivables repayment
Penerimaan dana subsidi Pemulihan Receipt of subsidies from Pemulihan
Ekonomi Nasional (PEN) - 53.916 Ekonomi Nasional (PEN)
Penerimaan pendapatan sewa Receipt of interest and
modal dan administrasi 15.803.331 14.219.671 administration income
Pendapatan usaha lainnya 630.333 434.195 Other operating revenues
Penerimaan lainnya 12.500 77.219 Other receipt
Pembayaran kas untuk: Cash payment for:
Penyaluran pinjaman Loan receivables
yang diberikan (205.155.031) (179.756.935) disbursement
Pembayaran bunga (2.430.219) (1.699.183) Interest payment
Pencairan dana subsidi Pemulihan Subsidies distributions from Pemulihan
Ekonomi Nasional (PEN) - (53.916) Ekonomi Nasional (PEN)
Pengembalian dana subsidi Pemulihan Subsidies refundment from Pemulihan
Ekonomi Nasional (PEN) - (192) Ekonomi Nasional (PEN)
Beban pegawai (4.560.100) (4.009.100) Employee expenses
Beban usaha (3.334.162) (3.100.043) Operating expenses
Pembayaran pajak penghasilan (1.849.890) (926.450) Income tax payment
Arus kas bersih yang Net cash flows
digunakan untuk aktivitas operasi (4.248.854) (1.820.839) used in operating activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS INVESTASI INVESTING ACTIVITIES
Pembelian aset takberwujud (87.704) (75.698) Purchase of intangible assets
Pembelian aset tetap (983.600) (1.348.350) Purchase of fixed assets
Arus kas bersih yang digunakan Net cash flows used in
untuk aktivitas investasi (1.071.304) (1.424.048) investing activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS PENDANAAN FINANCING ACTIVITIES
Penerimaan kas dari: Cash receipt from:
Pinjaman bank 302.977.261 137.385.769 Bank loans
Pinjaman pemerintah - 14.000 Loans from government
Surat berharga yang diterbitkan 5.268.200 7.020.000 Securities issued
Pengeluaran kas untuk: Cash payment for:
Angsuran pinjaman bank (293.223.046) (135.344.729) Bank loans installment
Pelunasan surat berharga
yang diterbitkan (9.362.000) (3.967.838) Securities issued settlement
Pembayaran emisi obligasi (6.664) (1.824) Bonds issuance cost
Pelunasan pinjaman pemerintah (345.591) (452.688) Government loans settlement
Pembayaran dividen - (1.456.062) Dividend payment
Arus kas bersih yang Net cash flows provided
diperoleh dari aktivitas pendanaan 5.308.160 3.196.628 from financing activities
PENURUNAN BERSIH KAS DAN NET DECREASE CASH AND
SETARA KAS (11.998) (48.259) CASH EQUIVALENTS
CASH AND
KAS DAN SETARA KAS PADA CASH EQUIVALENTS AT
AWAL TAHUN 293.981 342.240 BEGINNING OF THE YEAR
CASH AND
KAS DAN SETARA KAS PADA CASH EQUIVALENTS AT
AKHIR TAHUN 281.983 293.981 END OF THE YEAR
132
Page 848
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN PT PEGADAIAN
LAPORAN ARUS KAS (lanjutan) STATEMENTS OF CASH FLOWS (continued)
ENTITAS INDUK PARENT ENTITY
UNTUK TAHUN-TAHUN YANG BERAKHIR FOR THE YEARS ENDED
31 Desember 2023 December 31, 2023
(Dinyatakan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tahun yang berakhir pada tanggal
31 Desember/Year ended December 31
2023 2022
Kas dan setara kas pada Cash and cash equivalents at
akhir tahun terdiri dari: end of the year consists of:
Kas 61.437 69.284 Cash
Setara kas 220.546 224.697 Cash equivalents
Jumlah kas dan setara kas 281.983 293.981 Total cash and cash equivalents
133
Page 849
The original consolidated financial statements included herein
are in Indonesian language.
PT PEGADAIAN PT PEGADAIAN
CATATAN ATAS INVESTASI PADA NOTES ON INVESTMENTS IN
ENTITAS ANAK SUBSIDIARY ENTITIES
31 DESEMBER 2023 DECEMBER 31, 2023
(Dinyatakan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. PENYERTAAN SAHAM PADA ENTITAS ANAK 1. INVESTMENT IN SHARES IN SUBSIDIARIES
Pada tanggal-tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the parent
entitas induk memiliki penyertaan saham pada entity has investments in shares in subsidiaries
entitas anak yang disajikan dengan metode biaya which are presented using the cost method as
sebagai berikut: follows:
Persentase
kepemilikan/ Jumlah aset/Total assets
Domisili/ Jenis usaha/ Percentage of Tahun operasi/
Entitas anak/Subsidiaries Domicile Type of business ownership Year of operation 2023 2022
PT Balai Lelang Artha Gasia Jakarta Jasa lelang/ 99.995% 2000 195 196
Auction services
PT Pesonna Optima Jasa Jakarta Alih daya dan sewa/ 99.000% 2015 889.661 589.720
Outsourcing and rental
PT Pesonna Indonesia Jaya Jakarta Perhotelan, jasa konstruksi, 99.000% 2015 123.700 138.307
agen perjalanan, dan
makanan dan minuman/
Hospitality, constructions,
travel agents, and
food and beverages
PT Pegadaian Galeri Dua Empat Jakarta Bisnis emas/ 99.999% 2018 633.528 630.342
Gold business
134
Page 850
Page 851
Page 852
2023
Laporan Tahunan
Annual Report
PT Pegadaian
Jl. Kramat Raya No. 162, Jakarta 10430
Indonesia PO Box 1090
Telepon/ Phone : +62-21 315 5550
Faks/ Fax. : +62-21 391 4221
www.pegadaian.co.id
Names mentioned 207 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Kementerian BUMN
p.4 ×9
unresolved
org
Permodalan
2022 | Nasional Madani.
p.4
unresolved
org
Ministry of SOEs
p.4 ×4
unresolved
—
Daftar Entit
· Director
p.6
unresolved
person
Ethical Standards
· Komisaris Independen
p.7
unresolved
person
Kebijakan Antikorupsi
· Commissioner
p.7
unresolved
org
Rakyat Indonesia (Persero) Tbk
p.19 ×3
unresolved
org
Bank Sampah Binaan Pegadaian
p.24
unresolved
org
Bank Sampah Binaan Terbaik Se-
p.26
unresolved
org
PT Pegadaian Raih Penghargaan The Most Trusted
p.26
unresolved
org
Ministry of BUMN Gold Winner
p.27
unresolved
org
Departemen PR
p.27
unresolved
org
PT Olahkarsa Inovasi Indonesia
p.28 ×2
unresolved
org
PT Pegadaian Head Office Sertifikasi Sistem Manajemen Anti
p.29
unresolved
org
PT Pegadaian Head Office
p.29
unresolved
org
Kementerian Kesehatan Kerja
p.29
unresolved
org
Bank Indonesia
p.36 ×6
unresolved
org
Bank Indonesia’s
p.36
unresolved
person
Views
· Komisaris
p.40
unresolved
org
PT Pegadaian. Sosialisasi
p.40
unresolved
person
Committees Under
· Komisaris
p.41
unresolved
org
Menteri BUMN No. SK-
· Komisaris Utama
p.43 ×24
unresolved
org
Minister of State-Owned Enterprises Decree No. SK- MBU
p.43
unresolved
org
PT Pegadaian. Thus
p.43
unresolved
person
Loto
· Komisaris Utama
p.43
unresolved
person
Decree
· Commissioner
p.43
unresolved
org
Minister of SOEs No. SK-
p.43 ×8
unresolved
person
Umiyatun
· Komisaris
p.43
unresolved
org
Menteri BUMN
· Komisaris
p.43 ×19
unresolved
—
Hayati
· Commissioner
p.43
unresolved
org
Minister of SOEs
p.43 ×4
unresolved
person
MBU
· Commissioner
p.43 ×4
unresolved
person
Rini
· Komisaris
p.43
unresolved
—
Widyantini
· Commissioner
p.43
unresolved
person
Makmur
· Komisaris
p.43
unresolved
person
Nezar
· Komisaris
p.43
unresolved
—
Patria
· Independen
p.43
unresolved
person
Yudi
· Komisaris
p.43
unresolved
org
Government of the Republic of Indonesia
p.54
unresolved
org
Menteri
p.56 ×6
unresolved
org
Minister of Usaha Milik Negara Nomor PER-
p.56
unresolved
org
Milik Negara
p.56
unresolved
org
Minister
· Direktur Utama
p.57
unresolved
org
Indonesia (Persero) Tbk
p.57 ×8
unresolved
org
Minister of State-Owned Enterprises No. GMS
p.58 ×4
unresolved
person
Teguh
· Direktur
p.58
unresolved
org
Minister of State-Owned Enterprises
p.58 ×3
unresolved
person
Eka
· Direktur
p.58
unresolved
person
Udin
· Direktur
p.59
unresolved
org
PT Pegadaian Nomor SK-
p.59 ×2
unresolved
org
Minister of State-Owned Enterprises No. Legal
p.59
unresolved
org
Minister of State-Owned Enterprises No. SK-
p.59
unresolved
org
PT Pegadaian Name
p.64
unresolved
org
Perusahaan. Akta Pendirian
p.64
unresolved
org
Menteri Hukum dan Hak Asasi Manusia
p.64
unresolved
person
Nanda Fauz Irwan
· Notaris
p.64
unresolved
org
Minister of Law and Human Rights
p.64 ×2
unresolved
person
Nanda Fauz Irawan
· Notaris
p.64
unresolved
org
Government of Republic of Indonesia
p.64 ×8
unresolved
org
Umum
p.66
unresolved
org
Bank Van Leening
p.66 ×4
unresolved
org
PT Persero
p.67 ×4
unresolved
org
Perusahaan Umum
p.68
unresolved
person
In Nanda Fauz Iwan
· Notaris
p.68 ×11
unresolved
org
Bank Van
p.69
unresolved
org
Kementerian
p.71
unresolved
org
Ministry of State-Owned Usaha Milik Negara
p.71
unresolved
org
Financial Services Authority
p.71 ×3
unresolved
org
Ministry of BUMN
p.72 ×2
unresolved
org
Ministry of BUMN No. SE-
p.72
unresolved
org
Menteri Hukum dan Hak
p.76
unresolved
org
Minister of Law and Human Asasi Manusia
p.76
unresolved
org
Minister of BUMN
p.86
unresolved
person
Pemantau Risiko
· Komisaris
p.89
unresolved
—
Appointment History Diangkat
· Komisaris Utama
p.92 ×11
unresolved
org
Ministry of Kementerian BUMN
p.92
unresolved
org
PT PELNI (Persero)
p.92 ×4
unresolved
org
Direktorat Jenderal Pengelolaan Pembiayaan dan Risiko
p.92
unresolved
org
Ministry of Finance Kementerian Keuangan
p.92
unresolved
org
PT Reasuransi Indonesia Utama (Persero)
p.92 ×2
unresolved
org
Direktorat Jenderal Pengelolaan Utang
p.92 ×3
unresolved
org
Kementerian Keuangan
p.92 ×12
unresolved
org
Ministry of Finance
p.92 ×11
unresolved
org
Directorate General of Debt Management
p.92 ×3
unresolved
org
Ministry of Finance Pengelolaan Utang
p.92
unresolved
org
Directorate General of Pengelolaan Utang
p.92
unresolved
org
Direktorat Jenderal Perbendaharaan
p.92
unresolved
org
Directorate General of Treasury
p.92 ×4
unresolved
org
Analisa Keuangan dan Moneter
p.92
unresolved
org
Ministry of SOEs. BUMN.
p.92
unresolved
org
Minister of BUMN No. SK-
p.93 ×2
unresolved
org
Menteri Keuangan Bidang Pengeluaran Negara
p.93
unresolved
org
Minister of Finance
p.93 ×3
unresolved
org
Menteri Keuangan Bidang Organisasi
p.93
unresolved
org
Direktorat Jenderal Perbendaharaan Kementerian Keuangan
p.93
unresolved
org
Menteri Keuangan Bidang Pengeluaran
p.93
unresolved
org
Minister of Usaha Milik Negara No. SK-
p.94
unresolved
org
State-Owned Enterprises
· Direktur Utama
p.94
unresolved
org
Pengembangan Sumber
p.94
unresolved
org
Kementerian Perhubungan
p.94 ×5
unresolved
org
Ministry of Transportation
p.94 ×6
unresolved
org
Penelitian dan Pengembangan Perhubungan
p.94 ×2
unresolved
org
Pengembangan SDM Perhubungan
p.94
unresolved
org
Menteri Bidang Ekonomi Kawasan dan Kemitraan
p.94
unresolved
org
PT. Indonesian Railways
p.94
unresolved
org
Menteri Bidang Sumber Daya Alam
p.94
unresolved
org
Kementerian PPN
p.94
unresolved
org
Tambang Batubara Bukit Asam Tbk
p.94 ×2
unresolved
org
Ministry of Perhubungan.
p.94
unresolved
org
Kementerian PANRB
p.95 ×8
unresolved
org
Ministry of PANRB
p.95 ×9
unresolved
org
Minister of Administrative
p.95
unresolved
org
Ministry of PANRB PANRB
p.95 ×2
unresolved
org
Ministry of Kementerian PANRB
p.95
unresolved
org
Ministry of State PANRB.
p.95
unresolved
org
Departemen Hubungan Internasional Fakultas
p.96
unresolved
org
Departemen
p.96 ×2
unresolved
person
Anggota-Anggota
· Komisaris
p.97 ×2
unresolved
org
PT Pegadaian. Riwayat Pendidikan
p.97 ×6
unresolved
org
Menteri Komunikasi dan Informatika Republik Indonesia
p.97
unresolved
org
Minister of Communication and Information
p.97
unresolved
org
PT Dapensi Trio
p.97 ×2
unresolved
org
Yayasan Pendidikan Bhakti
p.97
unresolved
org
PT Niskala
p.97 ×2
unresolved
org
Menteri Komunikasi dan Informatika
p.97
unresolved
org
Minister of Communication
p.97
unresolved
org
Bank Level Audit Supervisor
p.98
unresolved
org
Bank Internal Audit Level Audit Supervisor
p.98
unresolved
org
BRI (Persero) Tbk
p.98 ×57
unresolved
org
Bank BRI (Persero) Tbk.
p.98 ×3
unresolved
org
Yayasan Kesejahteraan Pegawai BRI
p.98
unresolved
org
PT Primissima
p.99 ×2
unresolved
org
PT Solo Agro Lestari
p.99 ×2
unresolved
org
Ministry of Kementerian Pariwisata
p.99
unresolved
org
PT Joglosemar
p.99
unresolved
org
PT Joglosemar Prima Media
p.99
unresolved
org
PT Aksara Solo
p.99 ×2
unresolved
org
PT Aksara Solopos
p.99 ×2
unresolved
—
Appointment History Penunjukkan Beliau
· Direktur Utama
p.104 ×5
unresolved
org
PT Bank Perseroan (Persero)
p.104
unresolved
—
Pelaksana Tug
· Direktur
p.104
unresolved
org
Minister of No. SK-
p.105
unresolved
org
Telekomunikasi Indonesia Tbk
p.105 ×4
unresolved
org
PT Utama Perusahaan
p.107 ×2
unresolved
org
PT Utama Perusahaan Perseroan (Persero)
p.107 ×2
unresolved
org
PT Pegadaian. Anggota-Anggota Direksi
p.107
unresolved
org
PT Markplus Indonesia
p.107 ×2
unresolved
org
Bank Staff
p.107
unresolved
org
Bank Jatim
p.107 ×6
unresolved
org
PT Pegadaian. Pegadaian. Riwayat Pendidikan
p.108
unresolved
org
PT Daya Makara
p.108
unresolved
org
PT Daya Makara UI
p.108
unresolved
org
PT Pegadaian. Direksi
p.109
unresolved
org
Minister of State-Milik Negara
p.110
unresolved
org
Menteri Badan Usaha Milik Negara
p.111
unresolved
org
Dana Pensiun Utama
p.111
unresolved
org
IQPC Worldwide Pte Ltd
p.111 ×2
unresolved
person
Conference
· Komisaris Utama
p.126
unresolved
org
PT Pegadaian Keuangan
p.126 ×3
unresolved
org
PT Pegadaian Capacity Building
p.126 ×2
unresolved
—
Universit
· Commissioner
p.126
unresolved
person
Independensi
· Komisaris
p.363
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