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All Journal Abdimas Talenta : Jurnal Pengabdian Kepada Masyarakat Journal of Saintech Transfer Journal of Aquaculture and Fish Health Jurnal Ilmu Komputer dan Bisnis BJRM (Bongaya Journal of Research in Management) Jurnal Teknologi Informatika dan Komputer Indonesian Journal of Islamic Economics and Business Ascarya: Journal of Islamic Science, Culture and Social Studies Open Access Indonesian Journal of Medical Reviews Al-Mu'awanah Journal of Management and Islamic Finance Jurnal Manajemen Perbankan Keuangan Nitro Jurnal Pengabdian Inovasi dan Teknologi Kepada Masyarakat Jurnal Pengabdian pada Masyarakat Ilmu Pengetahuan dan Teknologi Terintegrasi Jurnal Ekonomi Syariah dan Bisnis Mutanaqishah: Journal of Islamic Banking International Journal of Economics (IJEC) International Journal of Educational Research Excellence (IJERE) KENDALI: Economics and Social Humanities PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi QANUN: Journal of Islamic Laws and Studies Vokatek : Jurnal Pengabdian Masyarakat Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Pengabdian Masyarakat Quagga: Jurnal Pendidikan dan Biologi Karimah Tauhid Social, Ecology, Economy for Sustainable development goals Journal Jurnal Media Akademik (JMA) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Abdi Kimia : Jurnal Pengabdian Masyarakat Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Indonesian Journal of Research and Service Studies Indonesian Journal of Humanities and Social Sciences Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah
Ridwansyah
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The role of PT. Pegadaian in supporting sustainable development: Analysis of social financing and governance implementation based on results second-party opinion Wiraputra, Jhody; Ridwansyah; Andriani, Yulia; Sari, Okta
Social, Ecology, Economy for Sustainable Development Goals Journal Vol. 4 No. 1: July (2026)
Publisher : Institute for Advanced Science Social, and Sustainable Future

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61511/seesdgj.v4i1.2026.3503

Abstract

Background: The purpose of this study is to produce an in-depth critical analysis of the real contribution of PT. Pegadaian to sustainable development, identify verified successes at the micro level, critique the gaps in governance and risk management practices detected by Second-Party Opinion, and formulate targeted strategic recommendations to strengthen the accountability and long-term sustainability of PT. Pegadaian is a state-owned enterprise. Methods: This study employs a qualitative design, specifically a single-case study, with Critical Content Analysis techniques to explore in-depth the mechanisms, strategic narratives, and operational alignment behind PT. Pegadaian sustainability claims. The analysis was conducted by synthesizing secondary data from the 2024 Annual Report and Social Financing Implementation Report, validated against independent findings in the Second-Party Opinion (SPO) to assess the credibility of corporate governance and social impact. Findings: The findings of the study showed that PT. Pegadaian managed to synergize impressive financial performance reflected in Net Profit of Rp5.85 trillion and Outstanding Loan growth of 26.1%, with real social achievements through the distribution of Social Financing Targeting 2.9 million customers in the MSME and education segments. Validation through Second-Party Opinion (SPO) 2024 confirmed the company's significant contribution to SDGs targets of 1, 4, 8, and 10, where the majority of respondents reported an increase in income and the ability to resolve education costs. Conclusion: The study concludes that although PT. Pegadaian has successfully proven its real impact as an accelerator of financial inclusion through strong financial performance and the achievement of SDGs targets. Its long-term credibility in the eyes of global investors depends heavily on improved governance, particularly in fund tracking transparency and social financing accountability systems. Novelty/Originality of this article: The Novelty of this study lies in the use of the critical findings of the Second-Party Opinion (SPO) 2024 as an instrument to dissect governance gaps in the pawnshop social financing fund tracking mechanism, which provides a new perspective on the challenges of pawn institution accountability within the framework of sustainable finance in emerging markets.
Co-Authors Aa Juhanda Abdul Hamid Ahmad Risal Aisyah Nuraini, Siti Alifan Haqi Alya Lulu Nabila Andi Syamsul Bahri Albar Andri, Andriansyah Any Eliza Aprilia Indriani Ardinan Al-farizi Aulia Sabril Azizah Hasanah, Nur Bella Bevika Catur Kurniawan Darma Andayani, Dyah Darma Bakti Darma Bakti Deti Anas Talina Dina Mardiana Dirawan, Gufran Darma Elmira Dini Safira Eni Yanti Wulan Dari Erike Anggraeni Fitri Rahmadila Gunanti Mahasri Gustika Nurmalia Heni Verawati Hermanto Hidayat, Ravi Raya Huning Perwita Sari Husaini, Rizki Ramadhan Ifti Faiyah, Laila Indah Insani Putri Isman Nuriadi Ispandi Jajang Jaya Purnama Jhody Wiraputra Kamaruddin, Mohd Shahrul bin Karunia, Fitria Khamim, Khamim Kori Saumanisa Labusab Lailatul Lutfiyah, Lailatul Larasati, Anastasya Dewi Luthfi Aziz Thohir M Ammar Firas Wafiq M. Akbar Alfahrozi M. Havidz Aima M. Ma'ruf Idris M. Yusuf Bahtiar, M. Yusuf M. Zainul Arifin Melinda Kusuma Ningrum Meri Febri Sha Fitri Muhammad Aditya Muhammad Iqbal Fasa Murtini Mustamin Mutiasari Nur Wulan N. Juni Triastuti NANDA PRATAMA Nazila Istifadhah Netti Herawati Nilam Maryam Nini Rahmawati Nita Septiani Lestari Nova Melinda Okta Sari, Okta Oky Kurniawan Palupi Pratiwi Paramita, Vilia Darma Pertiwi Mareta, Adhe PI. S. Samad Pratama, Muhammad Dika Ramdhan Nur Hidayat Reni MaharanI Reza Armasyah Soenendar Rosmayati Rr. Juni Triastuti Rusi Rusmiati Aliyah Ruslan Abdul Ghani, Wan Ruslan, Zuhra Adminira Ruswadi Ryas Fatiha Kesuma, Muhammad Safira, Marini Rahma Salsabila, Naura Syifa Salsabilla Mutia Fortuna Sari, Yuniar Setiawan, Hengki Sitti Faika Sitti Faika Sopan Sopian Apriansah Suci Muryani Suhardjono S Suhendar suhrawardi, suhrawardi Sulistiawaty Sumin Sutarsi Suhaeb Syara Dwi Afiana Weny Rosilawati Widodo, Langgeng Winarko, Fadjar Rudy Wiraputra, Jhody Wiraputra, Jhody W WULANDARI Yeni Susanti Yulia Andriani Yulia Andriani, Yulia Yulistia Devi Yusuf Bahtiar , M. Zulaikah