Indonesia's Financial Services Authority (OJK) launched the 2025–2030 Roadmap for the Development and Strengthening of the pawnshop (pergadaian) industry, setting out a five-year framework to guide industry development across capital and governance, supervision and licensing, consumer education and protection, and broader ecosystem support. The roadmap is structured around four pillars and will be implemented in three phases from 2025 to 2030, starting with strengthening foundations and consolidation, followed by creating momentum, and ending with adjustment and growth. Measures highlighted include strengthening capital, governance, risk management and human resources; risk-based supervision and enforcement; handling unlicensed pawn businesses and public education on illegal pawnshops; consumer protection initiatives including a review related to interest and mu’nah tariffs; and ecosystem development such as encouraging professional certification and greater synergy with other financial institutions, alongside product and infrastructure development including sustainable finance and Sharia pawnshop expansion. As of August 2025, OJK reported 214 OJK-licensed pawnshop companies with industry assets of IDR 129.83 trillion (up 27.36% year on year) and total financing distribution of IDR 108.30 trillion (up 28.67% year on year), with IDR 90.08 trillion (83.17%) disbursed through pawn-based lending. OJK also indicated it will deregulate parts of its pawnshop rules in 2025, including simplifying licensing requirements for pawn businesses that are not yet OJK-licensed and adjusting rules on concurrent positions for appraisers. Alongside the roadmap launch, OJK ceremonially granted a national-scope pawnshop licence to PT Gadai Mas Nusantara, reflecting the new regime under OJK Regulation No. 39 of 2024 that allows pawnshop business coverage to extend nationwide.

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