1. Qualification
   • Malaysian citizen or a Malaysian Permanent Resident
   • Non-citizen with a legal passport documentation
   • Age 18 years old and above
2. Pawning Margin
   • 65% of pledged value (for new client)
   • 70% of pledged value (for recurring client)
3. Pawning Limit
   • Ar-Rahnu: Minimum total amount RM100.00 and maximum RM50,000.00 (RM10,000.00 per day)
   • Az-Zahab: Minimum total amount RM10,001.00/day or total maximum RM100,000.00
   • Az-Zahab Premium: Total maximum RM 500,000.00 (only available at selected branches – ARX cooperative)
4. Mortgage Duration
   • Ar-Rahnu: Maximum up to 6 months
   • Az-Zahab:  Maximum up to 3 years (installment repayment plan)
   • Az-Zahab Premium: Maximum up to 3 years
5. Storage Fee Rate
   • Pawning Margin : 65%
   • Financing < 1000 : RM 0.65
   • Financing > 1000 : RM 0.75
   • Pawning Margin : 70%
   • Financing < 1000 : RM 0.75
   • Financing > 1000 : RM 0.85
   • * These rates are subject to the pledged value for every RM100 (monthly)
6. Shari’ah Concept:
   • Qard (interest-free financing)
   • Wadi’ah Yad Dhamanah (stored with a guarantee of security upon the pawned item)
   • Ujrah (storage fee)
7. Benefits
   • Riba’ free
   • No processing fee
   • Storage fee are calculated daily (maximum 15 days)
   • Extensive mortgage duration
   • Pawned item is secured with Takaful coverage
   • Flexible repayment scheme

*Terms and Conditions apply.