You are looking at a very well handcrafted sterling silver multi-stone mosaic inlay cross pendant. The mosaic inlay materials are blue turquoise , green turquoise, spiny oyster , mother of pearl and silver. As you can see this turquoise pendant has a nice contemporary mosaic cross design.  Chain sold separately.

Turquoise Pendant Measurements: 2 1/2" in. long x 1" in. wide (This bail can take up to a 4.5mm chain)
Turquoise Pendant Weight: 10.8 grams