Pegadaian General Company in the Effort of Credit Security and Customer Development

Moh. Soleh, Leni Dwi Wijayanti

Abstract


Pegadaian is a credit institution with a pawn system as a credit institution. Pegadaian distributes loan funds to those in need with relatively low interest and fast service so that the distribution of loan funds is guaranteed and safe, then a pawn system is applied, namely the delivery of movable goods as collateral to the pawnshop, which is equal to or higher than the loan amount. Because every financial institution must be a legal entity, the position of the Pawnshop Service was changed to a State Company based on Law no. 19 of 1960 as the implementation of the Act issued PP no. 178 of 1961 dated May 3, 1961 concerning the Establishment of the State Pawnshop Company. With PP No. 7 of 1969 dated March 11, 1969 the position of the State Pawnshop Company was changed to a Bureau of Firm (Perjan). Bureaucracy Company is a form of State business with legal entity status as regulated in Law no. 9 of 1969. Pegadaian as a business entity also adheres to the business oriented principle, fostering profits for the company is the goal. This is evidenced by the existence of additional business activities in addition to the main business in the field of financing, until now the pawnshop is the only formal institution in Indonesia which based on the law is allowed to conduct financing in the form of lending on the basis of the law of pawning.


Keywords


pawnshop credit security; customer development; pegadaian general company

Full Text:

PDF

References


Indrijo, Manajemen Keuangan. (1980). Unit Penerbit Akademi Keuangan dan Bisnis, Yogyakarta.

Marhainis Abdul Hay. (1979). Hukum Perbankan di Indonesia Buku II, Pradnya Paramita, Jakarta, Cet, II.

Muchdarsyah Sinungan. (1980). Kredit Seluk-Beluk dan Teknik Pengelolaan, Yagart, Cet, II, Jakarta.

Romdonny, J., Rosmadi, M. L. N. (2019). Factors Affecting Customer Loyalty in Products. Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Volume 2, No 1, Page: 337-343

Soetojo Prawirohamidjojo and Marthalena Pohan. (1979). Hukum Perikatan, Bina Ilmu, Surabaya.

-----------. (1984). Bab-bab tentang Hukum Benda, Bina Ilmu, Surabaya.

Soenarso Tedjowinoto. (1972). Sejarah Pergadaian, Jakarta, April.

Sri Soedewi Masjchoen Sofwan. (1974). Hukum Benda, Liberty, Yogyakarta.

Subekti dan Tjitrosudibio. (1980). Kitab Undang-undang Hukum Perdata, Pradnya Paramita, Jakarta.

The Liang Gie. (1979). Administrasi Perkantoran Modern, Nur Cahaya, Yogyakarta, Cet. IX.

Wawancara dengan Kepala Perusahaan Jawatan Pegadaian cabang Dinoyo Tangsi Surabaya, September 1984.




DOI: https://doi.org/10.33258/birci.v4i4.2671

Article Metrics

Abstract view : 23 times
PDF - 8 times

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

 

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.