Pegadaian Simplifies Gold Investment with 'Cicil Emas' Feature on Tring App

Innovative Financial Solution for Families

PT Pegadaian has launched an innovative feature called 'Cicil Emas' on its Tring application, making gold investment more accessible to Indonesian families. This development comes as the nation celebrates National Heroes' Day on November 10, recognizing individuals who contribute to family economic stability.

Key Features of Cicil Emas

The Cicil Emas feature allows customers to purchase 24-karat gold bars through the Tring application with several attractive benefits:

1. Light Installment Plans: Customers can buy gold through installments with tenor options extending up to 36 months
2. Discounted Gold Prices: Special promotion offering discounts up to Rp 60,000 per gram
3. Flexible Down Payment: Minimum down payment as low as 20% of the gold value
4. Fixed Gold Price: The gold price remains fixed throughout the installment period, protecting customers from market fluctuations
5. Fully Digital Process: The entire transaction process is conducted digitally through the Tring application
6. Physical Gold Delivery: Customers can collect their physical gold bars at Pegadaian outlets

Benefits for Customers

The Cicil Emas feature comes with several customer-friendly features:

• Certified Gold: All gold bars are 24-karat and come with proper certification
• No Penalty Fees: Customers can make early repayment without incurring penalty fees
• Liquidity Options: Gold can be easily sold back or pawned at Galeri 24
• Discounts for Early Repayment: Incentives are provided for customers who settle their installments early

Market Impact

This initiative by Pegadaian represents a significant development in Indonesia's gold investment landscape. By making gold investment more accessible and manageable through installment plans, Pegadaian is likely to attract a broader customer base, including younger investors and families looking to diversify their savings.