• Downloads
  • Branch/ ATM Locator
  • Search


Pembiayaan Ar-Rahnu is a short-term Islamic Pawnbroking Facility that provides customer with instant cash access by accepting gold items as collateral.

Shariah Concept

  • Pembiayaan Ar-Rahnu applies the Tawarruq (Commodity Murabahah) and Rahn (Collateral) concepts as its underlying Shariah contracts whereby it offers competitive profit rate to customer subject to minimum eligibility requirements for the purpose of personal consumption, business working capital or any other agricultural or non-agricultural activities to elevate the socioeconomic status of the community.


  • Open to Malaysian citizens and/ or permanent residents aged ranging from of eighteen (18) to seventy (70) years old on the date of application.


Product Features

Financing Limit
  • Minimum Limit per Financing Account : RM100
  • Maximum Daily Limit per customer : RM100,000
  • Maximum Financing Agregate per customer : RM150,000
Margin of Financing
  • Up to 75% of the current Market Value of the collateralized Gold.
Financing Tenure
  • Contracted Financing Tenure is 36 months.

Profit Rate

Monthly Profit Rate is based on every RM100 Marhun Value.

  • Minimum Monthly Profit is RM10.

Marhun Value

Monthly Profit Rate

RM100 - RM2,000

RM 0.55

RM2,001 - RM5,000

RM 0.65

RM5,001 & above

RM 0.80

Acceptable Gold Collateral (Marhun)

Gold Jewellery

  • 999, 950, 916, 875, 835, 750

Gold Coin (999)

  • 1 troy ounces, ¼ , ½ 

Gold Wafer (999)

  • 10g, 20g, 50g, 100g

Ar-Rahnu Product Disclosure Sheet 

Ar-Rahnu Terms and Conditions 

Ar-Rahnu List of branches