PT Pegadaian Research Articles

JINGLE TRANSFORMASI PEGADAIAN (STUDI TENTANG PERAN MUSIK DALAM PEMBENTUKAN BUDAYA PERUSAHAAN PT. PEGADAIAN)

"Jingle Transformasi Pegadaian” is the title of a song that was employed as one of many transformation tools in PT Pegadaian (Persero). This study aims to determine the existence of “power” that helped the transformation process in PT Pegadaian (persero). To study the phenomenon this research applies mixed methods research design, which consists of ethnographic and quantitative methods. The research data were derived from in-depth interviews and random sampling questionnaire which was distributed to 390 employees in all work units. The process of jingle composing and the elements in the jingle, such as arrangement, genre, lyrics, and vocals were reviewed and perceived as an interpretation of the transformation process that happened in PT Pegadaian (Persero). Messages related to transformation that is contained in the jingle’s lyrics were accepted, and used as an affirmation of the transformation process by all employees. The jingle internalization process is carried out by playing it continuously in all work units’ corporate activities, both routinely and incidentally. The result of this research shows that by playing the jingle continuously forms a “power” that affects the emotional response of employees, and evoke positive reactions, such as: a sense of enthusiasm, awareness of the transformation process, sense of pride, and sense of belonging.

The Effect of Omnichannel Strategy on Customer Loyalty through Customer Experience in KCA (Kredit Cepat Aman) Product at PT. Pegadaian (Persero) Labuhan Deli Sub-Branch

The Industry 4.0 era is an era of innovation and prioritizing technology and digitization in carrying out daily activities. This study aims to determine how much influence the omnichannel strategy has on customer loyalty through customer experience in the KCA (KREDIT CEPAT AMAN); Fast Secured Credit product of PT Pegadaian (Persero) Labuhan Deli Sub-Branch. This research is descriptive type research with a quantitative approach. The research sample consisted of 215 KCA customers of PT Pegadaian (Persero) Labuhan Deli Sub-Branch who had made KCA pawns using at least 2 channels. Based on the formulated hypothesis, the entire data analysis was processed using SEM - PLS analysis techniques using SmartPLS 3.0 software. Based on the results of the test, it was found that the exogenous variable (omnichannel strategy) had a positive and significant effect on the endogenous variable (customer loyalty) and the mediating variable (customer experience), the mediating variable (customer experience) had a positive and significant effect on the endogenous variable (customer loyalty). Based on the r-squared value, the exogenous variable (omnichannel strategy) was able to influence the mediating variable (customer experience) by 85.8% and the exogenous variable (omnichannel strategy) was able to influence the endogenous variable (customer loyalty) by 47.7%. Keywords: Omnichannel strategy, Customer Loyalty, Customer Experience.

Tinjauan terhadap Kualitas Pelayanan dan Inovasi Produk di Pegadaian Syariah Kota Bogor

As one of the biggest financial’s institute Indonesia PT pegadaian is engages in three lines of business, that is financing gold saving ada other various type of servicing. PT. Pegadaian is one of the biggest financial’s institute that belong to government in Indonesia. Because there was lot of issues about bank’s interest in 16 December 2003, therefore arranged by the management a concept about Syariah servicing which called with Pegadaian Syariah. Pegadaian Syariah has service startegies for its consumers, without exception Pegadaian Syariah which is located in Bogor put forward this strategy too. The purpose of this research is to observe the service qualities and product innovation at Pegadaian Syariah branch Bogor. This research is a qualitative analyst which using interviews and documentations. With this method we can get direct information from Pegadaian Syariah’s employee itself about the policy and the principle are suitable or have to be improved. The result of this study indicates that in its implementation PT Pegadaian Syariah that located in Bogor has complied with the Islamic Perspective. This research results showed that the variables of servicing and innovation of product has a positive and statisfied the customer.
 Keywords: PT. Pegadain Syariah, Servicing Quality, Innovation of Product

Analysis of the Application of Management Control System for Fiduciary Installment Credit (KREASI) at PT Pegadaian Medan City Region

Management control system is a system used to influence its members to implement strategies efficiently and effectively in order to achieve organizational goals. The purpose of this study was to determine how the implementation of the management control system at PT Pegadaian Medan City Region. PT. Pawnshops also require a control in order to achieve the company's overall goals. This control is preventive and repressive control. To achieve this goal requires a good management control system so that the credit is not problematic. The purpose of this study is the application of a management control system for the distribution of Fiduciary Installment Loans (KREASI) at PT Pegadaian Manado City Region. The analytical method used is descriptive analysis. The results of the analysis show that the process of providing Installment Loans for the Fiduciary System (KREASI), at PT. The Manado Regional Pawnshop has been carried out well by competent employees in their respective fields who have high honesty and dedication in carrying out their duties. Separation of duties has also been carried out well in each process of providing Fiduciary Installment Loans (KREASI), at PT. Manado Regional Pawnshop. PT Pegadaian Manado Region has implemented proper authorization procedures in all processes of providing Fiduciary Installment Loans (KREASI), namely at the time of the mortgage loan application process, the authorized officer is the estimator, during the pawn credit analysis process the authorized officer to analyze credit is the Power of Attorney Credit (KPK), during the credit withdrawal process the authorized officer is the cashier, while for the monitoring process the officer authorized to carry out supervision is the branch head

Implementation of corporate culture moral values (Akhlak) for PT Pegadaian's competitive advantage

<span>PT Pegadaian continues to show positive performance throughout the 2020 fiscal year, an increase from 2019. This shows that PT Pegadaian can compete and develop during the Covid-19 pandemic. In addition, to increase competition with other companies, human resources with competitive advantages are needed which are assessed through corporate culture and AKHLAK values. The purpose of this research is to see how the influence of corporate culture and AKHLAK values on the competitive advantage of PT Pegadaian. The research samples taken were employees of PT Pegadaian throughout Indonesia, namely 250 samples. Analysis method Structural Equation Model (SEM) program through Smart PLS software. the results of the study show that corporate culture has a positive and significant impact on company excellence, corporate culture also has a positive and significant impact on AKHLAK values. AKHLAK values do not have a significant influence on competitive advantage nor are they able to mediate the influence of corporate culture on competitive advantage.</span>

Creative Self Efficacy in Mediating the Effect of Transformational Leadership and Innovative Behavior on Employee Performance at PT Pegadaian (Persero) Regional Office VII Denpasar

PT Pegadaian (Persero) is one of financial institution in the form of channeling funds to the public on the basis of the law of pawning. PT Pegadaian (Persero) Regional Office VII Denpasar in 2018 - 2020 has a low KPI value in the last 3 years compared to other regional offices throughout Indonesia. The decline in employee performance can be influenced by several factors, including leadership, innovative behavior and creative self-efficacy. This study was conducted to determine the role of creative self-efficacy in mediating the effect of transformational leadership and innovative behavior on employee performance. The sampling technique used was proportionate random sampling as many as 227 respondents were employees of PT Pegadaian (Persero) Regional Office VII Denpasar. Data were analyzed using Confirmatory Factor Analysis (CFA), Structural Equation Modeling (SEM) based on Partial Least Square (PLS). The results shows creative self-efficacy, transformational leadership and innovative behavior have a positive and significant effect on employee performance (t statistic > 1.96). The results of the mediation analysis showed that creative self-efficacy was not able to mediate transformational leadership on employee performance (18.3%) but was able to partially mediate the effect of innovative behavior on employee performance (41.7%). This research is expected to be empirical evidence for future research and to be able to enrich the theory of social exchange, transformational leadership, innovative behavior and creative self-efficacy. In addition, this research is expected to provide information as a leader in improving employee performance in the PT Pegadaian (Persero) Regional Office VII Denpasar.

Tinjauan Atas Kualitas Pelayanan Produk KCA Pada PT Pegadaian Cabang Bogor

This discussion is entitled Overview of the service quality of KCA products at PT Pegadaian (Persero) Bogor Branch. The purpose of this discussion is to determine the service quality of KCA products on customer satisfaction, either jointly or partially at PT Pegadaian (Persero) Bogor Branch. Based on the results of this discussion, the quality of service consisting of reliability, certainty, reality, empathy, and responsiveness has a significant influence on consumer satisfaction. The results of the discussion show that service quality which consists of reliability, assurance, empathy, tangible, and responsiveness together has a positive influence.

PENGARUH SOCIAL MEDIA MARKETING ACTIVITIES TERHADAP CUSTOMER LOYALTY MELALUI VALUE EQUITY, BRAND EQUITY, DAN RELATIONSHIP EQUITY

This research is a quantitative research with a survey method that was conducted on 161 respondents, namely followers and fans of PT Pegadaian (Persero) Instagram account, namely @sahabatpegadaian who made nominal additions to their Pegadaian Tabungan Emas. This study analyzes the effect of Social Media Marketing Activities on Value Equity, the influence of Social Media Marketing Activities on Brand Equity, the influence of Social Media Marketing Activities on Equity Relationships, the influence of Social Media Marketing Activities on Customer Loyalty, the effect of Equity on Customer Loyalty, the influence of Brand Equity on Customer Loyalty, and the influence of Relationship Equity on Customer Loyalty. Processing data in this study using descriptive statistical analysis and SEM-PLS. The results of the analysis show that Social Media Marketing Activities have a positive effect on Value Equity, Social Media Marketing Activities have a positive effect on Brand Equity, Social Media Marketing Activities have a positive effect on Relationship Equity, Social Media Marketing Activities have no direct effect on Customer Loyalty, Social Media Marketing Activities do not directly affects Customer Loyalty, Social Media Marketing Activities have a positive effect on Value Equity, Brand Equity, and Relationship Equity on Customer Loyalty, Value Equity has a positive effect on Customer Loyalty, and Brand Equity has a positive effect on Customer Loyalty, and Relationship Equity has a positive effect on Customer Loyalty towards Customer Loyalty.

Pendekatan Model Vector Autoregression untuk Analisis Pertumbuhan Pembiayaan (Studi pada PT Pegadaian Kabupaten Nganjuk)

This study aims to analyze the response of the amount of financing to changes that occur in the variables of the number of customers, interest rates, and income at PT Pegadaian (Persero) Nganjuk. The data used in this study is secondary data, in the form of time series in 36 months sourced from PT Pegadaian (Persero). The analytical method applied is vectorauto regression (VAR) with the help of STATA 14 sofware. The results show that the variable number of customers shows a negative response bacause the decrease or increase in the number of customers does not affect credit financing. Then the interest rate variable responds positively, meaning that an increase in interest rates will have an impact on increasing credit financing as well. Furthermore, the income variable responds positively to credit financing, meaning that an increase in income will have an impact on increasing financing.

FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NASABAH TERHADAP PRODUK RAHN PADA PEGADAIAN SYARIAH

The growing development of sharia-related products that are increasingly crowded in Indonesia also has an effect on the business development of PT Pegadaian (Persero). Therefore, PT Pegadaian (Persero) also issued a new product that smelled of sharia under the name Pegadaian Syariah. The legal basis for the establishment of Sharia Pawnshops is PP No. 103 dated November 10 2000 and Fatwa DSN No. 25 / DSN-MUI / III / 2002 concerning Rahn. For this reason, this study aims to examine and analyze the effect of promotions, prices and loan disbursement procedures on customer interest in using rahn products in Islamic pawnshops. This research uses quantitative research. The type of data used in this research is primary data. Primary data is data that comes from the original source or the first one that comes from a questionnaire. Based on the analysis and data processing above, the results obtained include promotion variables that affect customer interest, price variable affects customer interest and loan disbursement procedure variables also affect customer interest. Keywords: Customer Interest, Promotion, Price / Cost, Fund Disbursement Procedure, Sharia Pawnshop

Analysis of Role of Digital Marketing to Improve Brand Image through Brand Equity at PT Pegadaian (Persero) Labuhan Deli Sub-Branch, Medan

Digital marketing is a marketing process that utilizes online channels (internet) to introduce, educate, branding and also establish communication with customers and the form of online channels can be in the form of websites or applications on mobile phones. The formulation of the problem in this study are: (1) Does Digital Marketing affect the formation of Brand Image at PT Pegadaian (Persero) Labuhan Deli Sub-Branch, Medan; (2) Does Digital Marketing affect the establishment of Brand Equity at PT Pegadaian (Persero) Sub Branch Labuhan Deli, Medan; (3) Does brand equity affect the formation of brand image in PT Pegadaian (Persero) Sub Branch Labuhan Deli, Medan; (4) Does Digital Marketing affect the formation of Brand Image through Brand Equity at PT Pegadaian (Persero) Sub Branch Labuhan Deli, Medan. The type of research used in this study is a descriptive method with a correlational type using a quantitative approach, using two types of data collection, namely secondary data and primary data by taking a sample of 130 respondents, which is carried out by testing the validity and. reliability test, and using data analysis methods, namely descriptive analysis and Structural Equation Model - Partial Least Square. The results show that (1) Digital Marketing has a positive and significant effect on Brand Image, in the sense that Digital Marketing at PT Pegadaian (Persero) Labuhan Deli Sub-Branch has a good system so that the company's brand image can be understood and remembered by the public or customers who transact using pawn services; (2) Digital Marketing has a positive and significant effect on Brand Equity, in the sense that Digital Marketing at PT Pegadaian (Persero) Labuhan Deli Sub-Branch has a good system so that the company's brand equity can be accepted and easily remembered by the public or customers who transact using pawn services based on marketing and financial activities; (3) partially the Brand Equity variable has a positive and significant influence on Brand Image, in the sense that if customers are interested in the digital Pegadaian brand at PT Pegadaian (Persero) Labuhan Deli Sub-Branch, the brand image of the product will also increase; (4) the digital marketing variable (X) has a simultaneous effect on brand image (Y) through brand equity (Z), where the original sample value (Original Sample) is 0.244, the t-statistic value is 4.955 and the p-values is 0.000, then the brand equity variable (Z) is able to mediate the relationship of digital marketing variable (X) to brand image (Y). Keywords: Digital Marketing, Brand Image, Brand Equity.

Implementation of Data Mining Using C4.5 Algorithm for Predicting Customer Loyalty of PT. Pegadaian (Persero) Pati Area Office

PT Pegadaian (Persero) is engaged in the business of providing credit services with pawn, non-pawning and gold investment products. One of the right marketing strategies to survive today's high competition is to maintain customer loyalty, researchers use several data variables available in the MIS (Management Information System) in the form of customer transaction frequency, how many products are taken by customers, customer satisfaction and direct interviews. to predict customer loyalty of PT Pegadaian (Persero) by implementing the c4.5 algorithm. The c4.5 algorithm is the algorithm used to create a decision tree. Decision trees are a very powerful and well-known method of classification and prediction. The decision tree method converts very large facts into a decision tree that represents the rule. Rules can be easily understood in natural language. This study aims to determine the accuracy of the C4.5 algorithm to predict customer loyalty of PT Pegadaian (Persero) and the most influential factors in loyalty. The results of the experimental application of the c4.5 algorithm show that the level of accuracy generated in predicting customer loyalty is quite high, namely 89.94% in data testing 1 and 94% in data testing 2. The application of the c4.5 algorithm in predicting customer loyalty of PT Pegadaian (Persero) can be well applied.

PELAKSANAAN EKSEKUSI OBJEK JAMINAN FIDUSIA BERDASARKAN PUTUSAN MAHKAMAH KONSTITUSI NOMOR 18/PUU-XVII/2019 DI PT PEGADAIAN KANTOR WILAYAH II KOTA PEKANBARU

In line with the government's program to encourage lending to small businesses and the weak economic class which is the largest part of the Indonesian people. So it is expected that with credit based on fiduciary system can help both credit recipients and creditors. One of the parameters of a good material debt guarantee is when the right of guarantee can be executed quickly with a simple, efficient process and contains legal certainty. The specific target of this study is to explain the problem solving about the implementation of Fiduciary Guarantee Object Execution Based on the Decision of the Constitutional Court No. 18/PUU-XVII/2019 at PT Pegadaian KantorWilayah II Pekanbaru City.

Strategi Pemasaran Produk-Produk Gadai Syariah Di Sumatera Utara

Sharia pawnshops include non-bank financial institutions that are present in Indonesia in the form of syariah bank cooperation with Perum Pegadaian, then forming Sharia Pawn Service Units in several cities in Indonesia. Sharia pawning products are Rahn, Rahn Hasan, Rahn Tasjily Tanah, ArRum Emas, ArRum Haji, Mulia, ArRum BPKB, Amanah. Marketing strategy is an integrated plan to market a merchandise to the community. This research aims to first, find out how many customers in 2016, 2017 and 2018 who used EmasKu products; second, the marketing strategy carried out by PT Pegadaian Syariah Setia Budi Branch of Pegadaian; and third, knowing the obstacles experienced by PT Pegadaian Syariah Setia Budi Branch of Pegadaian. This research is a field research with a qualitative descriptive research method. The data collection technique was done by interviewing and collecting data. The object of the research is a non-bank financial institution, namely a pawnshop with a sharia system, namely PT Pegadaian Syariah Setia Budi Branch of Pegadaian. The results showed that the number of customers at PT Pegadaian Syariah Setia Budi Pegadaian Branch who used EmasKu products in 2016, 2017, 2018 amounted to 8 customers, 35 customers and 25 customers, although the number of customers each year continues to increase, the marketing strategy implemented by PT Setia Budi Sharia Pegadaian Branch, among others, applies the 4P principle, namely Product, Price, Place (Distribution or Place), and Promotion (Promotion), PT Pegadaian Syariah Setia Budi Pegadaian Branch experienced obstacles in implementing its marketing strategy, namely the existence of competitors who are Islamic financial institutions that have similar products.

The Role of Good Corporate Governance (GCG) in Improving Workforce Performance and Corporate Culture

The type of service company is closely related to the stable condition of human resource performance. In service companies, the performance of human resources is one of the benchmarks for calculating company productivity. Anticipating that a crisis like 1997 would not return, the Indonesian government requires companies under the status of the Ministry of State-Owned Enterprises (BUMN) to implement GCG. Character building of the workforce is the duty of the company in shaping the work pattern of the company's workforce, one of which is the goal of establishing the Good Corporate Governance (GCG) program. These things are currently the responsibility of PT Pegadaian (Persero). For this reason, this study aims to determine the effect of the Good Corporate Governance (GCG) system that has been set on the performance of the workforce and the condition of Corporate Culture at PT Pegadaian Surabaya Regional Office. And know the reputation of PT Pegadaian (Persero) in the eyes of the public since the implementation of the Good Corporate Covernance (GCG) system? Based on several theories and previous research that discusses Good Corporate Covernance (GCG); Labor Performance; Corporate Culture; Company Reputation. The method used is a qualitative method by processing data using Actor Network Theory. In conclusion, the Good Corporate Covernance (GCG) system that has been implemented has an influence on the performance of the workforce and the condition of the Corporate Culture at PT Pegadaian Surabaya Regional Office. Meanwhile, the reputation of PT Pegadaian (Persero) in the eyes of the public since the implementation of the Good Corporate Covernance (GCG) system has increased.

Gold Savings Products at PT. Pegadaian (PERSERO) Parepare Area (Islamic Economic Analysis)

The purpose of this research is to explain how the process of marketing gold savings products at PT. Pegadaian, then what is the process of the mechanism and terms of the gold savings product contract and how is the Islamic economic perception of gold savings products at PT. Pegadaian Persero in Parepare area. The results of research on gold savings products at PT. Pegadaian (Persero) Parepare Area shows that the Marketing Strategy carried out by PT. Pegadaian Persero in the Parepare area with product, price, location and marketing strategies by way of outreach and dissemination via whatsapp online. Then the service process for the Gold Savings product carried out by PT Pegadaian (Persero) is that the customer comes to the nearest pawnshop with several predetermined requirements such as submitting identification, filling out the application form provided, paying the price of the gold bar ordered (cash), paying a down payment ordered gold bars (installments), and signed the agreed transaction contract. to both sides. And gold will be received by customers after paying off installments or other administration.

PERSEPSI MAHASISWA TERHADAP KESYARIAHAN PRODUK PEGADAIAN SYARIAH

The purpose of this study is to explain students' perceptions of LKS products (in this study, PT Pegadaian Syariah) and students' interest in using LKS services after having an adequate understanding of Fiqh Muamalah in Islam. This study was followed by accounting students who took muamalah fiqh courses. In this study, qualitative descriptive analysis techniques were used with primary data through a list of open questions, so that respondents were free to answer research questions. . The results of this study are students' perceptions of Sharia Pawnshop products are definitely in accordance with sharia provisions, namely the provisions of the OJK and DSN MUI fatwas, although they did not conduct a thorough study of the application of each Sharia Pawnshop product and its contracts and pillars. customers from LKS and have never received socialization related to LKS and the products offered and After understanding the importance of sharia muamalah, it turns out that the majority are not interested in using LKS services at this time, because they feel they do not need.

THE IMPACT OF JOB SATISFACTION, COMMUNICATION AND COMPENSATION TOWARDS EMPLOYEE PERFORMANCE AT PT. PEGADAIAN (PERSERO) IN TANGERANG AREA

The research purpose was to revealed and described those impact which is from job satisfaction, communication and compensation towards employee performance at PT. Pegadaian (Persero) in Tangerang Area. The method that used on this research was an explanatory survey to explain and described the phenomena which occured through examining the impact which occured between variables, the research population was 150 people with sample of 109 employees at PT Pegadaian (Persero) in Tangerang Area which consisting of collateral appraisers, cashiers and from micro credit department. Data collection techniques by the surveys through questionnaires, interviews and observations. The analysis method that used was descriptive statistical analysis, validity and reliability test, classic assumption test, which includes normality test, heteroscedasticity test, multicolonierity test and hypothesis test through multiple linear regression analysis techniques which processed by the SPSS 25 program. The results from this research was illustrated that both partially and simultaneously the job satisfaction, communication and compensation have an impact towards employee performance at PT. Pegadaian (Persero) in Tangerang Area.

SISTEM AKUNTANSI PEMBIAYAAN PEGADAIAN EMAS PADA PT. PEGADAIAN (PERSERO) CABANG TAPI BANDAR PADANG

Pegadaian is a form of financing institution that carries out pawning business activities for the wider community who need funds in a fast time. One of the popular pawning products is the gold pawn. The formulation of the problem of this research is how the form of the Gold Pegadaian Financing Accounting System at PT Pegadaian (Persero) Cabang Tapi Bandar Padang. The purpose of this study was to determine the form of the gold pawnshop financing accounting system at PT Pegadaian (Persero) Cabang Tapi Bandar Padang. This study uses a field research method (Frield Research Method) and a library research method (Library Research Method). The data sources used are primary data sources and secondary data sources. The data will be analyzed using a qualitative descriptive method. Based on data analysis, it can be concluded that the gold pawn at Pegadaian is a product of fund distribution that aims to help the community with a fast, safe, and easy process. The procedure for obtaining credit with a gold pawn at PT Pegadaian Cabang Tapi Bandar Padang is quite easy, people only provide a copy of their identity along with gold jewelry or gold bars as collateral, loan money can be obtained for approximately 10 minutes, depending on how many customers on the day that.

PROCEDURE FOR GRANTING MICRO CREDIT (CREATION) AT PT PEGADAIAN (PERSERO) PELITA MAKASSAR BRANCH

The objectivies of the research were to find out kind evaluate the procedure of providing Micro Credit program (KREASI) at PT Pegadaian (Persero) Branch Pelita Makassar. The research was analysed descriptive qualitatively, the data were collected through observations and interviewing. This research was conducted in April to May 2020. The result of the research showed that the procedure of providing Micro Credit program (KREASI) at PT Pegadaian (Persero) Branch Pelita Makassar has been conducted well, starting with the introduction and approach of potential borrowers, the application stage for micro credit, identifying data. After identifying the data by the credit department, it can be deemed done or denied. The borrower then interviewing and the credit department reviewed the debtor directly. Afterwords, the credit department of analysis then analyzing the borrower’s credit to be given. If it is approved, the loan agreement (SPK) will be issued by the credit department and then make a credit agreement. If it is not approved, the credit department will issue a denial letter and return it to a customer.