This study aims to identify and analyze non-performing loans at PT. Pegadaian (Persero) Pekanbaru Kota, 2018-2021 . This study uses secondary data in the form of data of data obtained by the author manual reports and financial reports obtained from PT. Pegadaian (Persero) Pekanbaru Kota, which is needed by researchers for the analysis of non-performing loans. This research use descriptive quali…