I know next to nothing when it comes to jewelry, but it looks to me like the handcrafted jewelry native Americans used to sell road side back in the 60s and 70s.
That's a Native American (Navajo) sterling silver pendant with necklace, Silver beads. All hand wrought. Value? probably worth 185. To 250.
If it's old pawn maybe even more up to 375 - 480.
Silversmith since 1974.