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Muamalat Pajak Gadai Islam (Ar Rahnu BIZ)

Welcome to Muamalat Pajak Gadai Islam (Ar Rahnu BIZ )

Financing

Muamalat Pajak Gadai Islam (Ar Rahnu BIZ)

Welcome to Muamalat Pajak Gadai Islam (Ar Rahnu BIZ )

Product Benefits

Enjoy up to RM5,000,000* financing
Up to 18 months tenure
Fixed Profit Rate 0.83% monthly & charges are calculated based on financing
Shariah Compliant
Accept gold bullion (without opening the seal) & MG-i Account

Daily Gold Price

Effective Update: 25/07/2025 9:00 am

No Gold Standard Price per gram (RM)
1 750 382.49
2 835 425.84
3 875 446.24
4 916 467.15
5 950 484.49
6 999 509.48

Pawn your gold items and enjoy immediate financing of up to 75% of the current value of the gold item(s) (i.e., marhun value) under Muamalat ArRahnu (Tawarruq).
Enjoy fixed profit rate of 10% per annum (equivalent to 0.834% monthly) based on financing amount and a tenure up to 18 months.
Muamalat Ar-Rahnu is an Islamic Pawn Broking scheme based on the Shariah concept of Tawarruq (commodity Murabahah) and Rahn (Pawn broking).

Welcome to Muamalat Pajak Gadai Islam (Ar Rahnu BIZ )

Welcome to Muamalat Pajak Gadai Islam (Ar-Rahnu BIZ), your trusted partner in Shariah-compliant business financing.

Specially designed for sole proprietors, partnerships, and private limited companies (Sdn Bhd), Ar-Rahnu BIZ offers fast, secure, and flexible financing solutions to support your business needs – whether for working capital, stock purchases, or expansion plans.

At Muamalat Pajak Gadai Islam, we are committed to empowering businesses with ethical and reliable financial support.

 

Term Description
Concept Tawarruq & Rahn
Applicant Eligibility
  • Non-individual entities such as sole proprietorships, partnerships and private limited companies
  • Shariah compliant business activities
Financing Margin Up to 75% of the current value of the gold item(s) (i.e., marhun value)
Financing Limit Minimum:
RM10,000 per customer for Gold Items (Non MG-i) & Muamalat Gold-i (MG-i) (Physical and Account);

Maximum:
RM5,000,000 per customer for Gold Items (Non MG-i) & Muamalat Gold-i (MG-i) (Physical and Account);

Acceptable Gold Collaterals
  • Gold/jewellery (without precious stone) of standards 750, 835, 875, 916, 917, 950 and 999.
  • Accept all types of gold bars/coins/ wafers/ nuggets of standards 916, 917, 950 and 999 from all goldsmiths, gold institutions, gold producers and authorized distributors except those blacklisted by Bank Negara Malaysia (BNM), “Consumer Alert”, “Fraud Alert” and “Securities Commission Malaysia (SC) Security Alert”.
  • Muamalat Gold-i (Physical and aAccount).
Pawn Duration (Tenure of Financing)
  • Up to eighteen (18) months.
  • However, the profit charges must be paid on or before each Payment Date stated in the Payment Schedule of the Islamic Pawn Broking Financing Contract (Muamalat Islamic Pawn Broking) as a condition to qualify for the financing period up to the Maturity Date.
  • The payment due date will be on the first (1st) day of each month for every payment cycle.
Profit Rate The profit rate is fixed at 10% per annum (equivalent to 0.834% monthly) and is based on the financing amount.
Note:

  • Six (6) months advance profit will be deducted upon disbursement.
  • A comparison profit rate calculations between Islamic pawn broking and conventional pawn broking is provided.
Payment Payment for profit-servicing and financing can be made via cash at our branches, account debiting, Automated Teller Machine (ATM), Cash Deposit Machine (CDM) and Internet Banking.
Pawn Redemption The pledged item will be returned once the full financing amount and profit charges have been fully settled, either before or upon maturity.

 

Profit rate is calculated based on financing value vs Marhun value

Example:

  1. Marhun value (gold value)= RM50,000
  2. Financing (80%) = RM40,000
Ar Rahnu Islamic
Islamic Pawn Broking (Company X) Muamalat Pajak Gadai Islam
Profit charge
(Based on Marhun Value)
Profit charge
(Based on Financing Amount)
10% per annum
0.834% monthly
10% per annum
0.834% monthly
RM50,000 x 10% /12
= RM416.67 monthly
RM40,000 x 10% / 12
= RM333.33 monthly

 

How To Apply
  • Customers are required to visit our nearest branch to apply.
  • Bring along your original identification card (NRIC).
  • Fill up the Ar-Rahnu BIZ application form.

Approval will take up to 25 working days. Once approved, the respective branch will notify the applicant.

 

Our Values

“Need big financing for a new project? Get financing up to RM5 million with Ar-Rahnu Biz – help generate financial power to achieve your business dreams!”
CAPITAL POWER!”

Ahmad, Business Owner (Sdn Bhd)

“Increase working capital capacity with financing margins of up to 80%. Maximize your gold value to maintain business momentum.”
SMART CHOICE!”

Faiz, Retail Entrepreneur (Partnership)

“Save on business financing costs with a profit rate as low as 0.83% per month – a smart choice for entrepreneurs who want to control their financial burden” YOUR TRUSTED PARTNER!”

Nurul, Sole Proprietor (Online Business Owner)

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2025-07-25 08:44:32