Tring! by Pegadaian: Solusi Investasi Emas dan Finansial Terpercaya

Kelola tabungan emas, cicilan, hingga layanan syariah di Indonesia dengan aman dan praktis. Cara termudah bagi Anda untuk membangun aset masa depan langsung dari genggaman.

Publisher

PEGADAIAN (PERSERO), PT

Experience the Ease

Discover the interface used by 2M+ users.

Mobile app interface showing account security settings and Face ID biometric login for Tring by Pegadaian

Financial dashboard of the Tring by Pegadaian app showing gold investment assets and liabilities

Promotional screen for Tring by Pegadaian mobile app highlighting fast and easy gold investment services.

Tring! by Pegadaian mobile app interface for gold savings, installment, and pawn services.

Tring by Pegadaian mobile app display showing gold savings and market price charts

Tring! by Pegadaian mobile app interface showing gold investment options and account balance.

Tring! by Pegadaian mobile app interface showing Sharia compliant gold investment and pawn service options.

Tring by Pegadaian app user profile screen displaying account loyalty levels points and financial settings in Indonesian

Manage Your Indonesian Finances from the USA

The tools that make this app stand out, trusted by 2M+ users.

📈

Micro-Gold Investing

Convert your spare change into 24K gold savings starting from just Rp10.000. Build a stable, safe-haven asset for your future back home.

🏠

Direct Family Support

Take care of your loved ones from 10,000 miles away. Pay Indonesian utility bills and top up e-wallets instantly without the hassle.

🛡️

State-Backed Security

Transact with confidence. Enjoy biometric protection and certified Sharia-compliant options from Indonesia’s most trusted state-owned financial provider.

Loved by users worldwide

Trusted by 2M+ people who love this app.

"Managing my gold savings from Los Angeles has never been easier. I love how I can convert my savings into gold back home with just a few taps. It's safe, reliable, and keeps me connected to my financial goals in Indonesia."

Dewi S.

"Tring! is a lifesaver for paying bills and monitoring gold prices while I'm studying in the US. The Sharia-compliant options and the new biometric security give me total confidence. It is definitely the most practical app for the Indonesian diaspora."

Andi R.

Review Analysis

Insights from user reviews.

Sentiment Score

30%

Negative

Summary

The new Tring app receives overwhelmingly negative feedback, primarily from users migrating from the previous Pegadaian app. Many report critical issues such as being unable to log in, register, or complete verification, often even after password resets. Users also express frustration with frequent errors during transactions like selling or buying back gold, disappearing bank account data, and general app slowness, making the experience complicated and unreliable. While one user found installment payments easy, the app is widely considered a significant downgrade, lacking functionality and overall performance compared to its predecessor, with several instances of lost data post-migration.

Common Themes

Transaction & Gold Management(15)

Migration & Data Transfer(10)

Registration & Verification(9)

User Experience / Complexity(8)

App Performance & Stability(6)

Installment Payment(1)

About the app

Everything you need to know about Tring! by Pegadaian.

Description

Tring! jadi cara baru menikmati layanan Pegadaian. Transaksi lebih cepat, investasi emas makin gampang, lengkap dengan layanan berbasis syariah. Semua tersedia dalam satu aplikasi yang praktis, aman, dan nyaman. Gadai Butuh dana tapi malas keluar rumah? Gadai dari Rumah solusinya! Kami akan datang menjemput asetmu untuk membantu memenuhi kebutuhan finansial kamu. -Tenor Minimum = 120 Hari -Tenor Maksimal = 36 bulan (Dapat ditebus sewaktu-waktu) -Sewa Modal Minimal = 1 % per 15 Hari -Sewa Modal Maksimal = 1.2% per 15 Hari -Sewa Maksimal Tahunan = 28,8% per tahun Contoh: Uang Pinjaman: Rp5.000.000 Total Sewa Modal (per 15 hari) 1.2% x Rp5.000.000 = Rp60.000 (per 15 hari) Total Bayar Sewa Modal: (Jangka Waktu/ 15 Hari) x Sewa Modal (per 15 hari) (120/ 15 hari) x 1.2% = 9.6% Rp5.000.000 x 9.6% = Rp480.000 Cicil Emas Batangan Investasi emas mulai sekarang. Cicil Emas Batangan 24K, pilih sendiri outlet pengambilan. -Denominasi = 0.5 - 25 gram -Uang muka = 15% -Tenor minimal = 3 bulan -Tenor maksimal = 36 bulan -Margin minimal = 0.92 % per bulan -Margin maksimal = 0.92 % per bulan -Margin maksimal = 11.04% per tahun Contoh Simulasi: Denom: 10 Gram Jenis Emas: Galeri 24 Jangka Waktu: 12 Bulan Uang Pinjaman (Contoh): Rp9.000.000 Sewa Modal per bulan (flat): 0.92% x Uang Pinjaman 0.92% x Rp9.000.000 = Rp82.000 Pokok angsuran per bulan: Uang Pinjaman / Jangka Waktu = Rp9.000.000 / 12 = Rp750.000 Total bayar per bulan: Pokok angsuran + sewa modal = Rp750.000 + Rp82.000 = Rp832.000 Tabungan Emas Dengan Tabungan Emas, kamu bisa berinvestasi sejak dini dan nikmati kemudahan beli, jual, transfer, hingga cetak emas dengan praktis. Rencanakan masa depanmu dengan fitur Rencana Emas atau manfaatkan emasmu untuk kebutuhan mendesak dengan Gadai Tabungan Emas. Buka Tabungan Emas = Rp10.000 Minimal Beli Tabungan Emas = Rp10.000 Minimal Buyback = 0.01 gram Biaya Jasa Titipan = Rp30.000 per tahun Gadai Tabungan Emas Jangka Waktu Minimal: 120 Hari Jangka Waktu Maksimal: 36 Bulan* *Dapat ditebus/ diperpanjang sewaktu-waktu Sewa Modal Minimum: 0.75%% per 15 Hari Sewa Modal Maksimal: 0.75%% per 15 Hari Sewa Modal Maksimal: 18% per Tahun Administrasi Pencairan: Rp2.000 s.d. Rp25.000 Contoh Simulasi Gadai Tabungan Emas: Uang Pinjaman: Rp5.000.000 Sewa Modal (per 15 hari): 0.75% x Rp5.000.000 = Rp37.500 (per 15 hari) Total Bayar Sewa Modal: (Jangka Waktu/15 Hari) x Sewa Modal (per 15 hari) (120/15 hari) x 0.75% = 6% Rp5.000.000 x 6% = Rp300.000 Total Bayar Pelunasan: Uang Pinjaman + Total Bayar Sewa Modal (sesuai jangka waktu) Rp5.000.000 + Rp300.000 = Rp5.300.000 Fitur Card Jatuh Tempo dan Kartu Angsuran Ga ada lagi drama telat bayar! Reminder card jatuh tempo siap ingetin kamu, plus ada kartu angsuran biar gampang pantau cicilan. Indikator Harga Emas Mau tau harga emas hari ini naik atau turun? Cukup cek indikator harga emas kapan pun kamu mau. Keamanan Login makin gampang, cukup pakai sidik jari atau face ID lewat fitur biometrik. Fitur lainnya: -Multi Payment: Bayar tagihan ini itu sampai isi e-wallet bisa di sini. -Pencarian cabang/outlet terdekat biar tidak tersesat. -Riwayat transaksi biar tidak lupa diri. -Artikel dan Edukasi biar kita makin percaya diri untuk investasi. -Pegadaian Poin. What’s New? -Daftar & aktivasi akun dalam satu langkah. -Buka rekening gratis. -Proses buka rekening otomatis saat pendaftaran. -Menggunakan username unik. -Perubahan nomor HP dan PIN bisa langsung lewat aplikasi. -Profil Konvensional dan Syariah tergabung dalam satu aplikasi. Upgrade akun ke premium agar semua layanan Pegadaian di Tring! bisa kamu akses tanpa ribet. Cukup siapkan KTP dan lakukan selfie dengan senyum terbaikmu. Waspada! Jangan bagikan OTP atau informasi pribadi (nomor handphone dan alamat email) ke siapa pun demi keamanan transaksimu. Nikmati transaksi aman dan nyaman dengan Tring! Untuk layanan/ saran/ laporan gangguan teknis hubungi: Telp: 1500569 WA Chat: 081324432443 E-mail: customer.care@pegadaian.co.id

Latest Version

8.3.1

Size

239.6 MB

First Released

Mar 11, 2018

Start Building Your Golden Legacy in Indonesia Today

Join 2 million+ users who trust Pegadaian to manage their gold savings and financial needs. Secure, Sharia-compliant, and accessible right from your smartphone in the USA.

FAQ

Frequently Asked Questions

Everything you need to know about Tring! by Pegadaian

What is Tring! by Pegadaian?

Tring! by Pegadaian is a mobile application simplifying Pegadaian services, offering faster transactions, easy gold investment, and sharia-based services in one practical, secure, and convenient app.

Can users invest in gold using the Tring! app?

Yes, users can invest in gold through the Tring! app with features like Cicil Emas Batangan (Gold Bar Installments), Tabungan Emas (Gold Savings), and Deposito Emas.

Does Tring! by Pegadaian support sharia-compliant transactions?

Yes, Tring! by Pegadaian supports sharia-based services. The app integrates both conventional and sharia profiles for transactions.

What are the minimum and maximum tenors for pawn services (Gadai) in Tring! app?

The minimum tenor for pawn services (Gadai) in Tring! is 120 days. The maximum tenor is 36 months, with the option to redeem anytime.

What are the annual maximum capital rent rates for pawn services in Tring! app?

The maximum annual capital rent (Sewa Maksimal Tahunan) for pawn services in Tring! is 28.8% per year.

What is the minimum down payment for Cicil Emas Batangan in Tring! app?

The minimum down payment for Cicil Emas Batangan (Installment Gold Bars) in the Tring! app is 15% of the gold's value.

How much does it cost to open a Gold Savings (Tabungan Emas) account in Tring! app?

Opening a Gold Savings (Tabungan Emas) account with Tring! costs Rp10,000. The minimum purchase for gold savings is also Rp10,000.

Does Tring! by Pegadaian offer biometric login for security?

Yes, Tring! by Pegadaian offers biometric login options such as fingerprint or Face ID for enhanced account security.

Can users check gold prices within the Tring! app?

Yes, users can check the gold price indicator anytime within the Tring! app to monitor whether gold prices are rising or falling.

What information should users never share to maintain security in Tring! app?

Users must never share OTPs or personal information like mobile numbers and email addresses with anyone to ensure transaction security in the Tring! app.

How can users upgrade their Tring! account to premium?

Users can upgrade their Tring! account to premium by preparing their KTP (ID card) and performing a selfie within the app.

What is the annual service fee for Gold Savings (Tabungan Emas) in Tring! app?

The annual service fee (Biaya Jasa Titipan) for Gold Savings (Tabungan Emas) in the Tring! app is Rp30,000 per year.

Recommendations