Personal Banking

Financing-i / Pawn Broking-i
Pawn Broking-i offers fast and easy cash financing up to RM350,000 with low profit charges based on under the Syariah principle.
  • Murabahah (by adopting Tawarruq practice)
  • Rahn
  • ​Malaysian/ non- Malaysian / Permanent Resident
  • 18 years old and above
  • Not a bankrupt
  • Free from riba
  • No process fees
  • Profit amount 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
We accept:
  • Any type of jewellery/gold EXCLUDING marhun item that in the form of religious statue and/ or animate beings.
  • Gemstone jewellery
  • 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 financing is up to 80% of the current market value of the jewellery (Marhun Value).
  • Total daily/ accumulative financing limit is up to RM350,000
  • Total daily financing for hollow jewellery is up to RM30,000
New customer/existing customer - Up to 80% of marhun's value
  1. Total Profit

    Profit must be paid before/on due maturity profit date for every 1st and 2nd cycle of 6 month as per table below:

    Profit First (1st 6 month) Second (2nd 6 month) Third (3rd 6 month)
    Date Before/Due «Date Due Profit » Before/Due «Date Due Profit » Before/Due «Date Due Profit »

  2. Amount Finance

    Amount finance must be paid on the expiry of tenure. (Principal amount + profit (3rd cycle).

    Amount Finance First (1st 6 month) Second (2nd 6 month) Third (3rd 6 month)
    Date NA NA Before/Due «Date Expiry of tenure»

  • ​Profit Rate is calculated based on the marhun's value and pawn period
  • Profit Rate table are as follows:
Marhun Value (RM) Profit Rate for every RM100 Marhun Value Per Month (RM)
< 500 0.60
≥ 500 – 5,000 0.75
≥ 5,000 – 10,000 0.80
> 10,000 0.85
  • Calculation formula CPR (Contractual Profit Rate) for Pawn Broking: a = b x c/100 x d
    • CPR = a
    • Marhun value = b
    • Profit rate = c
    • Loan tenure = d (Note: Loan tenure is based on daily calculation)

The published rates are effective from 1st February 2020. 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.