Muhammad Yusuf Pratama

Toward a sustainable pawnshop sector: A five-year roadmap for technology-driven resilience and financial inclusion amid gold price fluctuations

Background: Gold price volatility poses a significant risk to Indonesia's pawnshop sector (Pegadaian), a financial institution that serves as a critical source of accessible credit for underbanked communities, including micro, small, and medium-sized enterprises (MSMEs) and low-income households. Beyond its economic fu...