What is Bank Muamalat�s sustainability commitment?

Bank Muamalat embeds ESG considerations into its Shariah-compliant strategies and operations to create positive impact for stakeholders, guided by Islamic values and Value-Based Intermediation (VBI) principles.

What does EESG mean in Bank Muamalat�s sustainability approach?

EESG refers to Economic, Environmental, Social and Governance pillars. These four areas guide Bank Muamalat�s sustainability initiatives to promote inclusive growth, environmental stewardship, social empowerment and strong governance.

How does sustainability align with Shariah principles at Bank Muamalat?

Sustainability at Bank Muamalat is guided by Islamic values, ensuring all strategies, financing and operations remain Shariah-compliant while delivering long-term positive impact to society and the environment.

What is Value-Based Intermediation (VBI)?

Value-Based Intermediation (VBI) is an Islamic banking approach that focuses on delivering sustainable outcomes to the economy, community and environment, beyond financial returns.

Which United Nations SDGs does Bank Muamalat support?

Bank Muamalat supports seven priority UN Sustainable Development Goals: No Poverty (1), Zero Hunger (2), Quality Education (4), Decent Work and Economic Growth (8), Reduced Inequalities (10), Responsible Consumption and Production (12), and Peace, Justice and Strong Institutions (16).

How does Bank Muamalat address environmental impact?

Bank Muamalat manages environmental impact through initiatives focused on carbon footprint reduction, energy efficiency, water usage management, waste reduction and climate risk assessment.

How does Bank Muamalat practice responsible financing?

Responsible financing is implemented through ESG scorecards, climate risk assessments and sustainability screening to ensure financing decisions align with environmental and social responsibility.

What governance structures support sustainability at Bank Muamalat?

Sustainability governance is overseen by the Board of Directors and Board Risk and Compliance Committee, supported by internal policies, ethical standards and sustainability management frameworks.

Where can I find Bank Muamalat�s sustainability reports?

Bank Muamalat�s sustainability performance and initiatives are published in its Sustainability Statements available on the official website.

What is Savings Account-i?

Savings Account-i is a Shariah-compliant savings account by Bank Muamalat that helps you save while earning profit on your account balance.

What is the profit rate for Savings Account-i?

The profit rate for Savings Account-i is 0.05% per annum on all balances.

What is the minimum deposit to open a Savings Account-i?

The minimum initial deposit required to open a Savings Account-i is RM20.

How can I apply for Savings Account-i?

You can apply by clicking the �Apply Now� button on the product page, visiting the nearest Bank Muamalat branch, or contacting the Customer Care Line at 03-2600 5500.

Who is eligible to open a Savings Account-i?

Savings Account-i is available for individual residents and non-residents aged 18 years and above. Joint account holders are also eligible.

Is Savings Account-i protected by PIDM?

Yes. This product is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to RM250,000 for each depositor, subject to PIDM�s terms.

What services are available for eligible Savings Account-i customers?

Eligible customers receive services such as free account enquiry, debit card (physical and virtual for digital banks), access to i-Muamalat app and internet banking, funds transfer services under the ICTF rules, and free cash withdrawals and deposits at Bank Muamalat channels.

Where can I find the Terms & Conditions and Product Disclosure Sheet for Savings Account-i?

The product page provides links to the applicable Terms and Conditions (including CASA Tawarruq/Qard and Online Savings Account) and the Product Disclosure Sheets for Savings Account (Tawarruq and Qard).

What is Personal Financing-i (Tawarruq)?

Personal Financing-i (Tawarruq) is a Shariah-compliant financing facility by Bank Muamalat designed to provide cash financing for personal financial needs, provided that the purpose does not contravene Shariah principles.

What is the Shariah concept used for Personal Financing-i?

Personal Financing-i is based on the Shariah concept of Tawarruq as the underlying structure for financing.

What contracts are involved in the Tawarruq structure for Personal Financing-i?

The Tawarruq arrangement incorporates Shariah contracts including Wa�d Mulzim (binding promise), Murabahah (cost-plus sale), and Wakalah (agency).

What can Personal Financing-i be used for?

Personal Financing-i is intended to support personal financial needs, subject to the condition that the financing purpose does not contravene Shariah principles.

How do I apply for Personal Financing-i?

You can apply for Personal Financing-i online via Bank Muamalat�s application platform or through the Apply Now option on the product page. You may also contact the bank or visit a branch for assistance.

Can I calculate my instalment before applying?

Yes. You can estimate your financing using the Personal Financing calculator available via Bank Muamalat�s online channels before submitting an application.

Is Personal Financing-i Shariah-compliant?

Yes. Personal Financing-i is structured using Shariah concepts and contracts (including Tawarruq) to ensure the facility remains Shariah-compliant.

Where can I find official product information and documents?

Official product information is provided on the Personal Financing-i product page. For full details, refer to the bank�s published product documents and terms where applicable.

What is Muamalat Ar-Rahnu (Tawarruq)?

Muamalat Ar-Rahnu is an Islamic pawn broking facility where customers pawn gold items to obtain immediate financing. It is structured based on the Shariah concepts of Tawarruq (commodity Murabahah) and Rahn (pawn broking).

How much financing can I get with Muamalat Ar-Rahnu?

Customers may obtain financing of up to 80% of the current value of the pledged gold items (marhun value), subject to the bank�s terms and conditions.

What is the maximum financing amount for Muamalat Ar-Rahnu?

Muamalat Ar-Rahnu offers financing of up to RM500,000, subject to the bank�s terms and conditions.

What is the profit rate for Muamalat Ar-Rahnu (Tawarruq)?

Muamalat Ar-Rahnu provides a fixed profit rate of 11.25% per annum (equivalent to 0.9375% monthly), calculated based on the financing amount, subject to applicable terms.

What is the maximum tenure for Muamalat Ar-Rahnu?

The tenure for Muamalat Ar-Rahnu is up to 18 months, subject to the bank�s terms and conditions.

Does Muamalat Ar-Rahnu include Takaful coverage?

Yes. Muamalat Ar-Rahnu includes free Takaful coverage, subject to the bank�s terms and conditions.

Is there an Ar-Rahnu calculator available?

Yes. Bank Muamalat provides an Ar-Rahnu Calculator to help customers estimate financing and profit servicing based on inputs such as gold weight, margin financing and tenure.

Is online Ar-Rahnu revaluation available?

Yes. The product highlights an easy online Ar-Rahnu revaluation facility, subject to the bank�s service availability.

What is Muamalat Vehicle Financing-i (MPO)?

Muamalat Vehicle Financing-i (MPO) is a Shariah-compliant vehicle financing facility by Bank Muamalat designed to help customers finance a vehicle purchase with convenient payment options, including up to 100% financing, subject to terms and eligibility.

What is the Shariah contract used for Muamalat Vehicle Financing-i (MPO)?

This product is structured based on the Shariah contract of Murabahah to the Purchase Orderer (MPO).

What does the MPO arrangement involve?

The MPO arrangement involves a combination of Wa�d Mulzim (binding promise), Wakalah (agency) and Rahn.

How much financing can I get for my vehicle purchase?

Muamalat Vehicle Financing-i (MPO) offers up to 100% financing for eligible vehicle purchases, subject to the bank�s assessment and terms and conditions.

How do I enquire or apply for Muamalat Vehicle Financing-i (MPO)?

You may enquire by selecting Talk to Us on the product page or visit a Bank Muamalat branch for assistance and application guidance.

Muamalat Ar-Rahnu | Shariah Pawn Broking & Gold-Backed Financing

Mata Wang	Jual	Beli
AUD	0.00	0.00
BND	0.00	0.00
CAD	0.00	0.00
CHF	0.00	0.00
EUR	0.00	0.00
GBP	0.00	0.00
NZD	0.00	0.00
SGD	0.00	0.00
USD	0.00	0.00
Dikemaskini pada 24/01/2024 9:15 am Lagi mata wang

Standard Emas	Harga segram (RM)
750	523.13
835	582.42
875	610.32
916	638.92
950	662.63
999	696.81
Dikemaskini pada 27/01/2026 9:00 am	Butiran lanjut

Lindungi Kekayaan Masa Depan Anda dengan Emas Hari Ini. Perth Mint 99.99% Gold Minted Bar/Harga Akaun:
Akaun	691.51	643.03
Fizikal	715.74	643.03
EasiGold (Kurang daripada RM15,000)	652.764	646.259
EasiGold (Kurang daripada RM15,000)	651.764	647.259
(Harga yang diterbitkan adalah setiap gram dan untuk rujukan sahaja. Klik RM dan Jadual Wajaran Emas untuk melihat senarai jumlah emas yang dibeli setiap nilai RM10) Di cawangan terpilih sahaja * Harga EasiGold adalah indikatif dan tertakluk kepada perubahan tanpa notis. Untuk harga LIVE, sila muat turun aplikasi EasiGold daripada Google Playstore atau Apple Store
Dikemaskini pada 27/01/2026 9:30 am	Butiran lanjut

Mata Wang	Jual	Beli
AUD	0.00	0.00
BND	0.00	0.00
CAD	0.00	0.00
CHF	0.00	0.00
EUR	0.00	0.00
GBP	0.00	0.00
NZD	0.00	0.00
SGD	0.00	0.00
USD	0.00	0.00
Dikemaskini pada 24/01/2024 9:15 am Lagi mata wang

Mata Wang

Jual

Beli

AUD

0.00

BND

0.00

EUR

0.00

SGD

0.00

USD

0.00

Dikemaskini pada 24/01/2024 9:15 am

Lagi mata wang

Standard Emas	Harga segram (RM)
750	523.13
835	582.42
875	610.32
916	638.92
950	662.63
999	696.81
Dikemaskini pada 27/01/2026 9:00 am	Butiran lanjut

Standard Emas

Harga segram (RM)

750

523.13

835

582.42

875

610.32

916

638.92

950

662.63

999

696.81

Dikemaskini pada 27/01/2026 9:00 am

Butiran lanjut

Lindungi Kekayaan Masa Depan Anda dengan Emas Hari Ini. Perth Mint 99.99% Gold Minted Bar/Harga Akaun:
Akaun	691.51	643.03
Fizikal	715.74	643.03
EasiGold (Kurang daripada RM15,000)	652.764	646.259
EasiGold (Kurang daripada RM15,000)	651.764	647.259
(Harga yang diterbitkan adalah setiap gram dan untuk rujukan sahaja. Klik RM dan Jadual Wajaran Emas untuk melihat senarai jumlah emas yang dibeli setiap nilai RM10) Di cawangan terpilih sahaja * Harga EasiGold adalah indikatif dan tertakluk kepada perubahan tanpa notis. Untuk harga LIVE, sila muat turun aplikasi EasiGold daripada Google Playstore atau Apple Store
Dikemaskini pada 27/01/2026 9:30 am	Butiran lanjut

Lindungi Kekayaan Masa Depan Anda dengan Emas Hari Ini.
Perth Mint 99.99% Gold Minted Bar/Harga Akaun:

Jenis Produk

Bank Jual

Bank Beli

Akaun

691.51

643.03

Fizikal

715.74

643.03

EasiGold (Kurang daripada RM15,000)

652.764

646.259

EasiGold (Kurang daripada RM15,000)

651.764

647.259

(*Harga yang diterbitkan adalah setiap gram dan untuk rujukan sahaja. Klik RM dan Jadual Wajaran Emas untuk melihat senarai jumlah emas yang dibeli setiap nilai RM10)
*Di cawangan terpilih sahaja

* Harga EasiGold adalah indikatif dan tertakluk kepada perubahan tanpa notis. Untuk harga LIVE, sila muat turun aplikasi EasiGold daripada Google Playstore atau Apple Store

Dikemaskini pada 27/01/2026 9:30 am

Butiran lanjut

Muamalat Pajak Gadai Islam
(Ar-Rahnu)

Selamat Datang ke Muamalat Pajak Gadai Islam (Ar-Rahnu)

Muamalat Pajak Gadai Islam
(Ar-Rahnu)

Selamat Datang ke Muamalat Pajak Gadai Islam (Ar-Rahnu)

No	Mutu Emas	Harga segram (RM)
1	750	523.13
2	835	582.42
3	875	610.32
4	916	638.92
5	950	662.63
6	999	696.81

Mutu Emas

Harga segram (RM)

750

523.13

835

582.42

875

610.32

916

638.92

950

662.63

999

696.81

Selamat Datang ke Muamalat Pajak Gadai Islam (Ar-Rahnu)

Di Muamalat Pajak Gadai Islam, kami memahami keperluan kewangan anda dan komited untuk menyediakan penyelesaian kewangan yang patuh Syariah. Kami bangga menjadi pilihan utama anda untuk pajak gadai Islam yang mudah, cepat, dan berintegriti.

Sama ada anda beragama Islam atau bukan Islam, perkhidmatan kami direka untuk memberikan manfaat kepada semua dengan sistem kewangan yang beretika dan telus. Nikmati kadar yang kompetitif, penyimpanan yang selamat, dan proses yang menghormati nilai dan keperluan anda.

Istilah	Penerangan
Konsep	Tawarruq & Rahn
Kelayakan Pemohon	Terbuka kepada warganegara Malaysia dan Penduduk Tetap berumur 18 tahun ke atas Tidak diisytiharkan muflis
Margin Pembiayaan	Sehingga 80% daripada nilai semasa barang kemas emas (iaitu, nilai marhun).
Had Pembiayaan	Minimum: a) RM250.00 untuk Emas (Bukan ME-i); dan b) RM250.00 untuk Muamalat Emas-i (ME-i) (Fizikal dan Akaun) Maksimum: a) RM500,000.00 untuk Emas (Bukan ME-i); dan b) RM500,000.00 untuk Muamalat Emas-i (ME-i) (Fizikal dan Akaun)
Jenis Barang Gadaian	Emas/Barang Kemas (tanpa batu permata) bermutu 750, 835,875, 916, 917, 950, 999. Menerima semua jenis jongkong emas/ syiling emas/ wafer/ kepingan emas dengan piawaian 916, 917, 950 dan 999 daripada semua tukang emas , institusi emas, pengeluar emas dan pengedar sah kecuali yang disenarai hitam oleh Bank Negara Malaysia (BNM), “Senarai Amaran Pengguna”, “Senarai Amaran Penipuan” dan “Senarai Amaran Keselamatan Suruhanjaya Sekuriti Malaysia (SC)”. Muamalat Emas-i (ME-i) (Fizikal dan Akaun).
Tempoh Pajak Gadai (Tempoh Pembiayaan)	Sehingga lapan belas (18) bulan. Walau bagaimanapun, kadar keuntungan perlu dibayar sebelum atau pada setiap Tarikh Pembayaran yang dinyatakan di dalam Jadual Pembayaran Kontrak Pembiayaan Pajak Gadai Islam (Muamalat Pajak Gadai Islam) sebagai syarat bagi melayakkan tempoh pembiayaan sehingga ke Tarikh Matang. Tarikh akhir bayaran adalah pada hari pertama (1haribulan) setiap bulan bagi setiap kitaran pembayaran.
Kadar Keuntungan	Kadar keuntungan adalah tetap 11.25% setahun (bersamaan dengan 0.9375% sebulan) dan dikira berdasarkan jumlah pembiayaan.
Pembayaran	Pembayaran untuk caj kadar keuntungan dan pembiayaan boleh dibuat melalui tunai di cawangan kami, pemotongan akaun, Mesin Pengeluaran Wang Automatik (ATM), Mesin Deposit Tunai (CDM) dan Perbankan Internet.
Penebusan Pajak Gadai	Barang gadaian akan diberikan semula setelah keseluruhan pembiayaan dan caj keuntungan selesai dibayar sebelum atau pada tarikh matang.

Kadar Keuntungan dikira berdasarkan Nilai Pembiayaan berbanding Nilai Marhun

Contoh:

Nilai Marhun (Nilai Emas)= RM10,000
Pembiayaan (80%) = RM8,000

Pajak Gadai Konversional
Caj faedah (berdasarkan pinjaman)
2% Sebulan
RM8,000 x 2.00% = RM160.00 Sebulan

Pajak Gadai Islam

Pajak Gadai Islam (Syarikat X)	Muamalat Pajak Gadai Islam
Caj keuntungan (berdasarkan Nilai Marhun)	Caj keuntungan (berdasarkan Jumlah Pembiayaan)
11.25% Setahun 0.9375% Sebulan	11.25% Setahun 0.9375% Sebulan
RM10,000 x 0.94% = RM94.00 sebulan	RM8,000 x 0.94% = RM75.20 sebulan

Cara memohon

Isi borang permohonan Ar-Rahnu.
Bawa bersama kad pengenalan asal anda (NRIC) dan barang emas untuk dicagarkan.

Nilai Yang Ditawarkan

“Tunai Segera untuk menyelesaikan hutang anda, Hanya tunjukkan Kad Pengenalan & Barang Kemas. SANGAT MUDAH!”

Zain, Pekerja Kilang

“Perlukan wang tunai segera untuk kecemasan, gadai jongkong emas anda pada kadar keuntungan rendah. PILIHAN BIJAK!”

Siti, Ibu Tunggal

“Tunai segera untuk keperluan rawatan perubatan. Nilai semula kemudahan pajak gadai sedia ada. CAPAI KETENANGAN MINDA!”

Mei Ling, Pesara

AUSTRALIAN DOLLAR	AUD	2.823000	2.667000	2.651000
BRUNEI DOLLAR	BND	3.231000	3.043000	3.032000
CANADIAN DOLLAR	CAD	2.948000	2.841000	2.824000
SWISS FRANC	CHF	5.228000	5.000000	4.982000
EURO	EUR	4.874000	4.601000	4.579000
STERLING POUND	GBP	5.573000	5.325000	5.316000
NEW ZEALAND DOLLAR	NZD	2.491000	2.311000	2.296000
SINGAPORE DOLLAR	SGD	3.231000	3.043000	3.042000
UNITED STATES DOLLAR	USD	4.088000	3.866000	3.849000

Muamalat Pajak Gadai Islam
(Ar-Rahnu)

Muamalat Pajak Gadai Islam
(Ar-Rahnu)

Manfaat Produk

Nikmati pembiayaan sehingga RM500,000*

Tempoh sehingga 18 bulan

Kadar keuntungan tetap 0.9375% sebulan & caj dikira berdasarkan pembiayaan

Perlindungan takaful PERCUMA

Patuh Syariah

Penilaian semula secara dalam talian yang mudah

Penerimaan jongkong emas & Akaun Muamalat Emas-i (MG-i)

Harga Emas Harian

Selamat Datang ke Muamalat Pajak Gadai Islam (Ar-Rahnu)

Kadar Keuntungan dikira berdasarkan Nilai Pembiayaan berbanding Nilai Marhun

Pajak Gadai Islam

Cara memohon

Nilai Yang Ditawarkan

“Tunai Segera untuk menyelesaikan hutang anda, Hanya tunjukkan Kad Pengenalan & Barang Kemas. SANGAT MUDAH!”

“Perlukan wang tunai segera untuk kecemasan, gadai jongkong emas anda pada kadar keuntungan rendah. PILIHAN BIJAK!”

“Tunai segera untuk keperluan rawatan perubatan. Nilai semula kemudahan pajak gadai sedia ada. CAPAI KETENANGAN MINDA!”

Muat Turun

Anda juga mungkin meminati

Muamalat Pajak Gadai Islam
(Ar Rahnu PRESTIGE)

Amanah Saham Bumiputera (ASB) / Amanah Saham Bumiputera 2 (ASB2)

Muamalat Pajak Gadai Islam (Ar-Rahnu)

Muamalat Pajak Gadai Islam (Ar-Rahnu)

Manfaat Produk

Nikmati pembiayaan sehingga RM500,000*

Tempoh sehingga 18 bulan

Kadar keuntungan tetap 0.9375% sebulan & caj dikira berdasarkan pembiayaan

Perlindungan takaful PERCUMA

Patuh Syariah

Penilaian semula secara dalam talian yang mudah

Penerimaan jongkong emas & Akaun Muamalat Emas-i (MG-i)

Harga Emas Harian

Selamat Datang ke Muamalat Pajak Gadai Islam (Ar-Rahnu)

Kadar Keuntungan dikira berdasarkan Nilai Pembiayaan berbanding Nilai Marhun

Pajak Gadai Islam

Cara memohon

Nilai Yang Ditawarkan

“Tunai Segera untuk menyelesaikan hutang anda, Hanya tunjukkan Kad Pengenalan & Barang Kemas. SANGAT MUDAH!”

“Perlukan wang tunai segera untuk kecemasan, gadai jongkong emas anda pada kadar keuntungan rendah. PILIHAN BIJAK!”

“Tunai segera untuk keperluan rawatan perubatan. Nilai semula kemudahan pajak gadai sedia ada. CAPAI KETENANGAN MINDA!”

Muat Turun

Anda juga mungkin meminati

Muamalat Pajak Gadai Islam (Ar Rahnu PRESTIGE)

Amanah Saham Bumiputera (ASB) / Amanah Saham Bumiputera 2 (ASB2)

Muamalat Pajak Gadai Islam
(Ar-Rahnu)

Muamalat Pajak Gadai Islam
(Ar-Rahnu)

Muamalat Pajak Gadai Islam
(Ar Rahnu PRESTIGE)