Products

Financing-i / Pawn Broking-i Ar-Rahnu
Pawn Broking-i Ar-Rahnu offers fast and easy cash financing up to RM350,000 with low safekeeping fee charges based on 3 Syariah principle.
  • Qard (interest free loans)
  • Wadi`ah Yah Dhamanah (savings with guarantee on the pawn items)
  • Ujrah (safekeeping fees)
  • ​Malaysian and non-Malaysian
  • Permanent Resident
  • Not a bankrupt
  • 18 years old and above
  • Free from riba
  • No process fees
  • Safekeeping fee is calculated daily
  • Longer pawn period
  • Jewellery kept safely under Takaful protection
  • Transparent business deal and transaction is performed in a dedicated room with the customer present
  • Any type of jewellery/gold EXCLUDING pawn item that in the form of religious symbol or living creatures.
  • Gold bar, wafer, coin or gold nuggets(MUST include purchase receipts or certificate of authenticity).
  • Gold items rewarded by an employer to their employee in service with the condition that:
    • The employee needs to present the Certificate of Appreciation.
    • Gold quality is between 22 to 24 carat
    • Maximum weight is 300 grams.​
  • Maximum margin of loan is up to 70% of the current market value of the jewellery (Marhun Value).
  • Total daily/ accumulative loan limit is up to RM350,000
  • Total daily loan for hollow jewellery is up to RM30,000
CUSTOMER TYPE LOAN LIMITATION (RM)

New customer/existing customer whodo not holda Pawn Broking-iaccount.

65% of marhun's value or minimum of RM1.00 and maximum of RM10,000.00 for every pawn.

Existing customer that holds an active or settled Pawn Broking-i account without taking into account lapsed period.

Up to 70% of marhun's value or minimum or RM1.00 and maximum of RM10,000.00 for every pawn.


  • Loan tenure is from 6 months to 36 months.
  • Extended maximum loan periodof not more than 18 months period from the pawn date.
  • Payment can be made in full or gradually.
  • ​Safekeeping fee is calculated based on the marhun's value and pawn period (montly rest).
  • Minimum safekeeping fee is equal to a half month rate that will be imposed on the pawn item that is redeemed within 15 days.
  • Safekeeping rate are as follows:
PRODUCT FINANCING LIMITS (RM) FINANCING MARGIN SAFEKEEPING RATE FOR EVERY RM100.00 ON MARHUN VALUE PER MONTH (RM)
Ar-Rahnu Up to RM1,000.00 65% 0.65
70% 0.75
> 1,001.00 - 10,000,00 65% 0.75
70% 0.85
  • Safekeeping fee calculation formula for Ar-Rahnu: a = b x c/100 x 12 x d/365
    • Safekeeping fee = a
    • Marhun value = b
    • Safekeeping rate = c
    • Loan tenure = d
  • The calculation for Pawn Broking-I Ar-Rahnu Safekeeping compared to Conventional Pawn Broking are as follows:
    • Jewellery value (marhun value): RM1,000
    • Loan Amount: RM650
    • Loan Tenure : 6 months / 180 days
    • Safekeeping fee : RM0.65
PAWN BOOKING-i AR-RAHNU PAJAK GADAI KONVENSIONAL

1,000 x 0.65 / 100 x 12 x 180 / 365 = RM38.47

Safekeeping Fee = RM38.47

Total Redeemed = RM650.00 + RM38.47

Total Redeemed = RM688.47

650 x 2% x 6 = RM78.00

Safekeeping Fee = RM78.00

Total Redeemed = RM650.00 + RM78.00

Total Redeemed = 728.00

The published rates, fees and charges are effective from 1st November 2018 following the implementation of 6% SST from 1st September 2018. Terms & conditions apply.

For any enquiries, please visit the nearest branch or call our Contact Centre tele-Rakyat at 1-300-80-5454.

*Terms and conditions apply.