In the pie chart below, I've distilled down the 43% into three factors. First is the number of pledges made. This tells us the number of items pawned, and this category contributed over a third towards the 43% increase. Each pledge was also exchanged for a bigger loan in 2012, compared to 2011. In fact, the "loan per pledge category" contributed about half towards the 43% increase.
Even so, the proportion of loans redeemed increased between the two years, rising from 96% in 2011 to about 100% in 2012 (this includes interest, which is about 1.5% per month). It does seem like only a small minority do not redeem their loans; either the gamblers have won back their money or there weren't many gamblers to begin with.