Rancak Media – JAKARTA— PT BRI Danareksa Sekuritas (BRIDS), in a strategic collaboration with PT Pegadaian, has unveiled an innovative online securities pledging service, now available through the BRIGHTS application.
Fifi Virgantria, Acting President Director of BRIDS, emphasized that BRIDS, powered by its BRIGHTS app, stands as a pioneer in offering digitally accessible securities pledging services. “This unparalleled convenience delivers significant added value for retail investors who are seeking swift, secure, and entirely face-to-face-free liquidity solutions,” she elaborated in a press release issued on Friday, December 5, 2025.
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This groundbreaking service presents a vital liquidity alternative for retail investors, enabling them to utilize their IDX80 stock portfolio as collateral without the need to divest their owned securities. Crucially, these securities remain under the client’s ownership, ensuring they retain all rights to corporate actions such as dividends, stock splits, or any other entitlements.
A key advantage of this service lies in its fully digital application and limit checking process, conducted seamlessly through the BRIGHTS platform. This advanced digital mechanism facilitates fund disbursements to occur as rapidly as the same day (H+0), or within a maximum of three working days, contingent on the thoroughness of document submission and verification.
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Clients are eligible to apply for loans starting from IDR 1 million, with a flexible loan-to-value (LTV) financing ratio ranging between 45.5% and 58.5%. The maximum tenor for these loans is 90 days, with an option for extension, all offered at an attractive daily interest rate of 0.0417%.
Selfie Dewiyanti, Director of Marketing, Sales, and Product Development at PT Pegadaian, articulated that the securities pledging service stands as a strategic liquidity solution, specifically designed to empower clients to secure financing facilities without having to liquidate their valuable investment assets.
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This accessible facility is extended to both individual and institutional investors who maintain stock or bond portfolios listed on the Indonesia Stock Exchange (IDX) and fully meet the specified collateral criteria for Securities Pledging.
“Leveraging a robust digital-based application system, the entire process, from initial verification to the final fund disbursement, is executed with enhanced speed, ease, and security,” she affirmed.
Pegadaian is committed to continuously delivering comprehensive financial solutions that cater to all segments of society. The introduction of the Securities Pledging Service exemplifies this commitment, as it is specifically engineered to bolster clients’ financial flexibility while diligently preserving the growth potential of their existing investments.
To significantly broaden capital market literacy and deepen understanding of the securities pledging service, BRIDS, in conjunction with Pegadaian, is set to launch the Eduvest 2025 Roadshow across various cities. This impactful initiative not only aims to introduce the innovative service but also to cultivate more mature financial behavior and provide modern, accessible liquidity solutions for retail investors nationwide.
The synergistic collaboration between these two prominent financial institutions is anticipated to substantially strengthen the pivotal role of retail investors, thereby fostering the creation of a more inclusive and competitively robust capital market in Indonesia.
According to data from the Financial Services Authority (OJK) as of May 2025, PT Pegadaian maintains its undisputed position as the dominant force in the pawnbroking industry, commanding an impressive market share of 96.59%. This statistic unequivocally highlights its indispensable role in addressing the nation’s comprehensive pawnbroking financing needs.
This formidable market dominance is further underscored by its September 2025 financial report, which showcases a remarkable increase in loan disbursements to IDR 261 trillion. This figure represents a substantial leap compared to the IDR 182 trillion recorded during the equivalent period in 2024.
Concurrently, the OJK also reported a robust 30.92% year-on-year growth in pawnbroking industry financing disbursements by September 2025, reaching IDR 111.68 trillion. This significant expansion clearly signals the escalating demand for liquidity among the public through readily available pawnbroking services.
From the capital market perspective, data meticulously compiled by the Indonesia Central Securities Depository (KSEI) reveals a notable surge in the number of Indonesian capital market investors, which reached an impressive 18.66 million by September 2025. This signifies a substantial 33.8% growth from 13.94 million in the corresponding period of the previous year, with retail investors still constituting the overwhelming majority at 99.7%.
This impressive growth trajectory reflects an expanding segment of the population that is actively engaged in investment activities, thereby underscoring a potential and ever-growing need for diverse and accessible liquidity alternatives.
Summary
PT BRI Danareksa Sekuritas (BRIDS) dan PT Pegadaian telah meluncurkan layanan gadai efek online melalui aplikasi BRIGHTS. Layanan ini memungkinkan investor ritel mendapatkan likuiditas cepat dan aman dengan menggunakan portofolio saham IDX80 mereka sebagai jaminan, tanpa perlu menjual aset dan tetap mempertahankan hak atas aksi korporasi.
Proses aplikasi dan pengecekan limit dilakukan secara digital, memungkinkan pencairan dana secepat hari yang sama. Fasilitas pinjaman mulai dari Rp 1 juta dengan tenor hingga 90 hari dan suku bunga harian 0,0417% ini merupakan solusi strategis untuk mendukung kebutuhan likuiditas investor di tengah pertumbuhan pasar modal Indonesia.
