Pegadaian Introduces Gold Savings Instalment Solution
Pegadaian has introduced a safe and structured investment solution through its Cicil Tabungan Emas (Gold Savings Instalment) product. The solution is one of the company’s efforts to address fluctuating gold prices.
This move also serves as an answer for all segments of society, from novice investors to professionals, to build a long-term asset portfolio without having to worry about future market price surges.
Gold has long been proven as a powerful instrument for preserving asset value against the impact of inflation, yet limited cash funds and concerns about fluctuation are often the main obstacles preventing people from getting started. The recent softening in gold price dynamics actually opens an ideal opportunity for the public to begin accumulating assets at more competitive prices.
Through the Cicil Tabungan Emas product, Pegadaian provides financing facilities for gold balance ownership through an affordable instalment scheme, whereby the gold balance is immediately recorded and securely stored in the customer’s gold account at Pegadaian from the first instalment payment.
The main advantage of this product, according to Selfie Dewiyanti, Director of Marketing, Sales and Product Development at PT Pegadaian (Persero), lies in the application of a booking price system, or price locking, from the moment the financing agreement is agreed upon.
“With the booking price scheme, the customer’s daily or monthly instalment amount remains fixed until the instalment period ends. Customers are fully protected from the risk of future market gold price increases, while the gold balance is immediately recorded and securely stored in the gold account at Pegadaian from the first instalment payment,” said Selfie.
In addition to price certainty, this financing is supported by various other advantages, namely a light down payment, flexible instalment tenor options according to capability, a diverse selection of gold gram denominations, and full ease of access.
Compared with conventional cash gold purchase schemes that require large upfront capital and carry the risk of losses due to delay, Cicil Tabungan Emas offers high flexibility with denominations starting from 0.5 grams, allowing anyone to start gold investment easily and affordably.
The public can apply for this product through just three practical steps, beginning with accessing information and instalment simulations, selecting the desired gold amount and tenor, and finally the automatic crediting of the balance into the customer’s gold account at Pegadaian.
The entire application process and information on the Cicil Tabungan Emas service can be accessed quickly and practically through the TRING! by Pegadaian mobile application, the company’s official website, the Contact Centre, or in person at all Pegadaian outlets across Indonesia.
Through this breakthrough, Pegadaian continues to be committed to providing education and ease of gold-based financial access, while encouraging the public to take smart steps in securing their financial future from an early stage.