Ar Rahnu, Islamic Pawn Broking (Tawarruq)

Daily Gold Price

Effective Update: 21 October, 2021

NoGold Standard
("Mutu Emas")
Price per gram (RM)

Pawn your gold items and enjoy immediate financing of up to 80% of the pledged gold value with Islamic Pawn Broking under Muamalat Ar Rahnu (Tawarruq).

Enjoy fixed profit rate of 11.25% p.a (0.9375% monthly) based on financing amount and a tenure up to 18 months.

Islamic Pawn Broking is an Islamic Pawn Broking scheme based on the Shariah concept of Tawarruq (commodity Murabahah) and Rahn (Pawn broking).

Ar Rahnu Calculator

Applicant Eligibility

  • Open to all Malaysian citizens and Permanent Residents, aged 18 and above
  • Not declared a bankrupt


  • Fully-Shariah compliant product
  • Free from Riba’ (usury) and Gharar (uncertainty)
  • Fixed Profit Rate on the financing amount
  • No early redemption charges
  • High margin of advance
  • Fast, easy and secure
  • Gold cleaning service
  • Improve customer experience by providing convenient online Ar Rahnu revaluation transaction without present at BMMB premise. Please refer below pdf attachment for further information on Ar-Rahnu Online Revaluation.
  • Accept gold bullion (bar/coins/dinar) for pawning without opening the seal (15 selected branches only). Click Here for the list of branches.

Financing Margin

  • Up to 80% margin of financing from gold value

Financing Limit

  • Maximum financing amount of RM1,000,000 (RM500,000 for gold jewellery, gold coin, dinar gold bar, as well as another RM500,000 for physical Muamalat Gold-i (Perth Mint) Gold Bar).

Acceptable Gold Collaterals

  • Gold/jewellery (without precious stone/with precious stone) of standards 750, 835, 875, 916 and 999. Click Here for the list of branches.
  • Accept all types of gold bars/bars/coins/ wafers of standards 916, 950 and 999 from all goldsmiths, institutions, authorized distributors except those blacklisted by Bank Negara Malaysia (BNM), “Consumer Alert”, “Fraud Alert” and “SC Security Alert”.
  • Muamalat Gold-i account (minimum allowable transaction is 10 grams and with multiple of every 10 grams i.e. 10 grams, 20 grams, 30 grams).

Please click the following links for further details:

Pawn Duration (Tenure of Financing)

  • 18 months,  subject to profit servicing to be paid every 6 months.

Profit Rate

  • 11.25% p.a. on the margin of financing or 0.9375% monthly.

Comparison On The Calculation Of Profit Rate as Opposed To Safekeeping Fee

  • Example
    a. Gold value : RM1,000
    b. Loan/Financing : RM800 (however customer request for RM250)
    c. Profit Rate Islamic Pawn Broking (Tawarruq): 11.25% p.a.
    d. Interest Rate Conventional Pawn Broking: 2% per month
Muamalat Ar-Rahnu (Tawarruq) Conventional Pawn Broking
Profit Rate = RM250 x 11.25% / 12
= RM2.34 per month
Interest Rate = RM250 x 2%
= RM5.00 per month
For Muamalat Ar Rahnu (Tawarruq), the profit charge is RM2.34 cheaper than conventional pawn broking.


  • Payment for profit-servicing and financing can be made at our branches, ATM, CDM and Internet Banking.

Pawn Redemption

  • Redemption can be done in deferred or lump sum payment before or upon maturity.

How To Apply

  • Fill up the Ar-Rahnu application form.
  • Bring along your original identification card (NRIC) and gold item(s) to be pledged.

Ar-Rahnu Marketing Brochures

Download here

Product disclosure Sheet (PDS)

Download here

FAQ- ArRahnu Calculator

Download here


User Guide- ArRahnu Calculator

Download here

BMMB Ar-Rahnu Online Revaluation

Download here

Gadai Emas Menang Emas Muamalat Ar-Rahnu

Published on Mei 05, 2021

Sertai Kempen GADAI EMAS MENANG EMAS sekarang!
Pajak emas anda untuk berpeluang memenangi hadiah menarik dari lebih RM500,000 hadiah keseluruhan!
(1 Mei 2021 sehingga 31 Disember 2021)
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