Tawarruq

Sale and purchase of assets with deferred payment, followed by resale for cash.

Al-Wadiah Yad Dhomanah (Deposit with Guarantee)

Security agreement between Ar-RahnuKT and customer.  

Profit Rate

Charged based on the actual collateralized gold value.

Rahn

• Refers to collateral or pledge contract
• Turn an asset as a guarantee to a financing where the asset can be used to settle the financing in the event where customers are unable to fulfill their responsibility to settle the financing

Ibra’

Rebate given to customers for early settlement.

Wakalah

The contract allows one party to act on behalf of another for shariahcompliant tasks.

• Open to all Malaysian Citizens
• Age Limit is 18 and above
• Mentally competent
• Has not been declared bankrupt

• Offers Riba-free financing.
• Offers financing up to 70% of the collateralised gold value with profit as low as RM0.55
• Payments can be made in installments or in a lump sum.
• The gold is secure and insured.

Purity Of Gold	Carat Rating
24K 22.8k 22k 21k 20k 18k	99.9% 95.0% 91.6% 87.5% 83.5% 75.0

Feature	Ar-Rahnu Prihatin	Ar-Rahnu Prima
Margin of Financing Profit Rate Daily Financing limit Cumulative Financing Limit Payment method	65% of marhun value As low as RM0.55 RM 800 RM 5,000 Lump sum on or before maturity of financing; or Installment	70% of marhun value As low as RM0.79 RM 75,000 RM 300,000 Lump sum on or before maturity of financing; or Installment

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