Ar-Rahnu Koperasi Tentera (Ar-RahnuKT) Your Shariah-Compliant Solution:
Since 2012, we've been offering a Shariah-compliant pawnbroking service through Ar-Rahnu Koperasi Tentera (Ar-RahnuKT). Both member or the public, our quick and ethical financing is here to help you access cash without 'riba' worries.
Ar-Rahnu Prihatin
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Ar-Rahnu Prima
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Unique Attributes of the Ar-RahnuKT Scheme
The Ar-RahnuKT scheme is meticulously crafted to offer exceptional benefits that cater to a wide range of financial needs. With a commitment to Riba-free financing, it ensures a strong foundation for financial well-being. The scheme allows access to financing of up to 70% of the gold's collateralized value, offering competitive profit rates starting at just RM0.55
What sets this scheme apart is its remarkable flexibility, allowing individuals to choose between convenient installment payments or lump-sum options, providing a level of financial control that's essential for sound financial management. Your gold assets are handled with utmost care, stored securely, and fully insured, offering you peace of mind.
Experience the exceptional advantages of the Ar-RahnuKT scheme, providing a seamless and reliable financial solution for various financial requirements.
Elegibility
The eligible applicants include members and the general public as follow:
- Open to all Malaysian Citizens
- Age Limit is 18 and above
- Mentally competent
- Has not been declared bankrupt
Principles of Ar-RahnuKT Shariah Compliant Scheme:
- 1. Tawarruq
- 2. Al-Wadiah Yad Dhomanah (Deposit with Guarantee)
- 3. Profit Rate
- 4. Rahn
- 5. Ibra
- 6. Wakalah
Summary of Ar-RahnuKT and Pawnbroking service
Ar-Rahnu Prihatin
- Margin of Financing: 65% of marhun value
- Profit Rate: As low as RM0.55
- Daily Financing limit: RM 800
- Cumulative Financing Limit: RM 5,000
- Payment Method: Lump sum on or before maturity of financing; or Installment
Ar-Rahnu Prima
- Margin of Financing: 70% of marhun value
- Profit Rate: As low as RM0.79
- Daily Financing limit: RM 75,000
- Cumulative Financing Limit: RM 300,000
- Payment Method: Lump sum on or before maturity of financing; or Installment