Gadai Efek: Turn Your Stocks into an Alternative Source of Funds

Funding needs can arise at any time, but that doesn't mean you have to sell the stocks you own. Through the Stock Pledge (Gadai Efek) service, you can obtain a loan from PT Pegadaian by pledging your IDX80 stocks as collateral.

Mirae Asset Sekuritas Indonesia assists with the application process and the blocking of the pledged stocks. Loan approval and disbursement are carried out by PT Pegadaian.

Why Gadai Efek

• Loans starting from IDR 1 million. Adjust the loan amount to your needs.
• Your stocks & dividends remain yours. Your stocks stay registered in your name, and you continue to receive dividends and other corporate action rights.
• Application assisted by the Mirae Asset team. Apply through Mirae Asset Customer Care or the Investment Specialist you already know.

Flexible to Your Needs

• Early repayment is available before 90 days
• Repayment can be made by selling the pledged stocks
• Re-pledge (roll-over) as long as the stocks meet the criteria
• Top up your loan as long as the credit limit is still available

Risks You Should Understand

If the stock price falls, the loan-to-collateral ratio will rise:

• Below 75%: normal condition, no action required.
• 75%: you must add collateral in the form of stocks or cash within 3 days. Otherwise, the collateral will be executed.
• 80%: you must repay the loan, or the pledged stocks will be force sold within 1 day.

Consider borrowing only what you need and prepare a reserve fund to maintain the ratio.

Required Documents

• Gadai Efek Credit Request Form (Download Form)
• ID card (KTP) or passport
• Tax ID (NPWP)
• Account statement and portfolio statement (a portfolio screenshot is sufficient)

How to Apply

• Contact Mirae Asset Customer Care or your Investment Specialist.
• Complete the application documents.
• Mirae Asset reviews the documents and stock availability.
• Pegadaian conducts KYC and identity verification via video call, then processes the approval.
• If approved, the pledged stocks are blocked by Mirae Asset upon Pegadaian's instruction.
• Pegadaian disburses the funds to your account.

Frequently Asked Questions

Who provides the loan?

PT Pegadaian. Mirae Asset acts as a referral party that assists with the application process.

Do I still own my stocks?

Yes. Your stocks remain registered in your name, and you continue to receive dividends and corporate action rights.

Are the pledged stocks still visible in the app?

Yes, the stocks still appear in your portfolio. However, during the pledge period, the pledged quantity is blocked and cannot be sold or transferred. The pledge status is not shown in the app, so please keep a record of the number of stocks you pledged. Stocks outside that quantity can still be traded as usual.

How long does the process take?

An estimated 1–2 days, depending on document completeness and Pegadaian's approval.

Can I apply through the app?

Applications are currently made through Mirae Asset Customer Care or Investment Specialist.

Is my application guaranteed to be approved?

Approval, loan amount, and fees are entirely at Pegadaian's discretion.

Contact Us

• Call center 150350
• WhatsApp +62 8111 900 9000
• Email cs@miraeasset.co.id

Disclaimer:
Mirae Asset Sekuritas Indonesia acts solely as a referral party and does not act as a lender. Facility approval, collateral valuation, haircut, interest/capital rental fee (sewa modal), tenor, fund disbursement, collection, and all other terms are entirely at the discretion of Pegadaian, in accordance with the agreement between Pegadaian and the customer.

PT Mirae Asset Sekuritas Indonesia is licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan/OJK).