{"id":3979,"date":"2025-03-04T08:37:59","date_gmt":"2025-03-04T08:37:59","guid":{"rendered":"https:\/\/pgd.oneportalsegmen.click\/?p=3979"},"modified":"2025-06-02T09:43:05","modified_gmt":"2025-06-02T09:43:05","slug":"pinjaman-modal-kerja-emas","status":"publish","type":"post","link":"https:\/\/pgd.oneportalsegmen.click\/?p=3979","title":{"rendered":"Pinjaman Modal Kerja Emas"},"content":{"rendered":"\n<p>Pinjaman Modal Kerja Emas merupakan pinjaman modal kerja dalam bentuk emas kepada Nasabah.<\/p>\n\n\n\n<p><strong>Fitur Produk :<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<ol class=\"wp-block-list\">\n<li>Pinjaman dan pelunasan berupa emas 24K SNI\/LBMA<\/li>\n\n\n\n<li>Tenor 3, 6, 9 dan 12 Bulan<\/li>\n\n\n\n<li>Minimum Pinjaman Emas 500 gram<\/li>\n\n\n\n<li>Sewa Modal 2-7% dibayarkan setiap bulan dalam bentuk Rp<\/li>\n\n\n\n<li>Nilai pinjaman senilai harga buyback Tabungan Emas<\/li>\n\n\n\n<li>LTV mulai dari 85%<\/li>\n\n\n\n<li>Penerapan Margin Call apabila LTV &gt; 95%<\/li>\n\n\n\n<li>Agunan berupa fidusia (Tabungan Emas, Persediaan) dan bank garansi<\/li>\n\n\n\n<li>Pengambilan emas di Pegadaian<\/li>\n\n\n\n<li>Tahap 1, standar LDR 70% dari Simpanan Emas<\/li>\n<\/ol>\n<\/blockquote>\n\n\n\n<p><strong>Proses Bisnis :<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Marketing Officer (MO) menawarkan produk PMK Emas ke nasabah<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>Nasabah menyiapkan dokumen pengajuan diserahkan ke MO atau email ke bisnis.emas@pegadaian.co.id<\/li>\n\n\n\n<li>Analis kredit melakukan dokumen, analisa dan scoring<\/li>\n\n\n\n<li>Penetapan pinjaman dan approval oleh bisnis PMK\/Komite kredit<\/li>\n\n\n\n<li>-Nasabah membayar biaya administrasi<br>-Menandatangani perjanjian<br>-Menentukan mekanisme pengambilan emas (Ambil sendiri\/ekspedisi)<\/li>\n\n\n\n<li>Nasabah mendapatkan pinjaman modal kerja berupa Emas<\/li>\n<\/ol>\n\n\n\n<p><strong>Syarat dokumen yang harus dilengkapi nasabah untuk Modal Kerja Emas<\/strong><\/p>\n\n\n\n<p>Fotokopi Akta Notaris Pendirian Perusahaan beserta pengesahan oleh instansi yang berwenang <\/p>\n\n\n\n<p>Fotokopi Anggaran Dasar\/Anggaran Rumah Tangga dan Perubahan terakhirnya <\/p>\n\n\n\n<p>Fotokopi Susunan Dewan Direksi\/Pemilik <\/p>\n\n\n\n<p>Fotokopi identitas (KTP\/Paspor) Dewan Direksi\/Pemilik <\/p>\n\n\n\n<p>Fotokopi Surat Izin Usaha Perdagangan (SIUP) \/ Nomor Induk Berusaha (NIB) <\/p>\n\n\n\n<p>Fotokopi Tanda Daftar Perusahaan <\/p>\n\n\n\n<p>Fotokopi Surat Keterangan Domisili Perusahaan <\/p>\n\n\n\n<p>Fotokopi kartu Nomor Pokok Wajib Pajak Perusahaan Laporan Keuangan atau Neraca Keuangan Laporan Rugi Laba atau surat pernyataan laporan Rugi Laba yang ditandatangani di atas materai <\/p>\n\n\n\n<p>Hasil Scoring Pefindo maksimal D1 <\/p>\n\n\n\n<p>Formulir Permohonan Kredit Rekening Koran 6 (bulan) terakhir<\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/pgd.oneportalsegmen.click\/wp-content\/uploads\/2025\/03\/Materi-Sosialisasi-Kegiatan-Usaha-Bullion.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of Materi Sosialisasi Kegiatan Usaha Bullion.\"><\/object><a id=\"wp-block-file--media-ee0d582c-a480-477c-8568-d19c735371dc\" href=\"https:\/\/pgd.oneportalsegmen.click\/wp-content\/uploads\/2025\/03\/Materi-Sosialisasi-Kegiatan-Usaha-Bullion.pdf\">Materi Sosialisasi Kegiatan Usaha Bullion<\/a><a href=\"https:\/\/pgd.oneportalsegmen.click\/wp-content\/uploads\/2025\/03\/Materi-Sosialisasi-Kegiatan-Usaha-Bullion.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-ee0d582c-a480-477c-8568-d19c735371dc\">Download<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Pinjaman Modal Kerja Emas merupakan pinjaman modal kerja dalam bentuk emas kepada Nasabah. Fitur Produk : Proses Bisnis : Syarat dokumen yang harus dilengkapi nasabah untuk Modal Kerja Emas Fotokopi Akta Notaris Pendirian Perusahaan beserta pengesahan oleh instansi yang berwenang Fotokopi Anggaran Dasar\/Anggaran Rumah Tangga dan Perubahan terakhirnya Fotokopi Susunan Dewan Direksi\/Pemilik Fotokopi identitas (KTP\/Paspor) [&hellip;]<\/p>\n","protected":false},"author":63,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"saved_in_kubio":false,"footnotes":""},"categories":[69],"tags":[],"class_list":["post-3979","post","type-post","status-publish","format-standard","hentry","category-kegiatan-usaha-bullion"],"_links":{"self":[{"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=\/wp\/v2\/posts\/3979","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=\/wp\/v2\/users\/63"}],"replies":[{"embeddable":true,"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3979"}],"version-history":[{"count":5,"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=\/wp\/v2\/posts\/3979\/revisions"}],"predecessor-version":[{"id":26131,"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=\/wp\/v2\/posts\/3979\/revisions\/26131"}],"wp:attachment":[{"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3979"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3979"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3979"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}