1. “Gold is not just decoration”
Something valuable is more valuable when it can meet all the needs and dreams of your
life.
Enjoy instant cash offer up RM150,000.00 to meet the capital requirements of the business
or any health education or your personal goals
The current gold price valuation
Business friendly and professional customer
The maximum security and protection Takaful
Up to 70% loan with very low storage fees
With professional methods and system to evaluate the
charges

2. Pawn broking concept scheme
 Qard (interest free loan)
 Wa’diah Yad demand Dhamanah (deposits
with collateral of pledge)
 Ujrah (Safe keeping charges)
Privilege
- Riba free
- No processing fees
- Longer loan period
- Security pledge with Takaful protection
Conditions
- Citizen, permanent Resident and non-citizens
- 18 years above
- margin of charges
65% of the value of marhun (new customers)
70% of the value of marhun (repeat customers)
Limit Pawning
- Ar-rahnu maximum cumulative amount of minimum RM100 to RM50,000
(RM10,000 per day)
- Az-zahab minimum RM10,001.00 per day @ the cumulative amount of up to
RM100,000
Period
- Ar- rahnu a maximum of 6 months with extension
- Az-zahab maximum of 3 years (payment in instalments)
Ar-Rahnu X'Change Pasar Borong Selayang KAPB
Ar-Rahnu X’Change