Dear Sir / Madam

Im carrying out survey entitled

AWARENESS AND ACCEPTANCE ON AR-RAHNU SCHEME: A CASE STUDY OF BANK
KERJASAMA RAKYAT GREENTOWN BRANCH


Dear respondent,
Im students of UiTM arau Perlis from faculty BBA (HONS) Finance presently conducting a study on the
awareness and acceptance on ar-rahnu scheme: a case study of Bank Kerjasama Rakyat Greentown
Branchas a part of course requirement to complete practical report for FIN667. In order to complete
the questionnaire Im ask for your cooperation to answer the questionnaire that prepared.

Your kind cooperation and response are very much appreciated. Confidentiality of your response is
therefore assured as this survey is solely intended for academic purposes. Your identity will not be
disclosed because information will be in aggregate form instead of individual responses.

Thank you.

ROIHAN BINTI YAZIT 2010124335

2


RESEARCH QUESTIONNAIRE

AWARENESS AND ACCEPTANCE ON AR-RAHNU SCHEME: A CASE STUDY OF BANK KERJASAMA RAKYAT
GREENTOWN BRANCH



SECTION 1: Customer Awareness

Sila jawab setiap soalan dengan menandakan ( / ) dalam ruang yang disediakan.
Please answer on each of the following questions by tick ( / ) in the space provide.

1. Saya adal ah pelanggan Ar-Rahnu.
*note: sekiranya j awapan anda adal ah tidak
sil a abaikan soal an no. 2, 3 dan 4.
I am the customer of Ar -Rahnu Scheme.
*Note: If the answer is No, you may skip
questions no. 2, 3 and 4.

Ya/Yes

Tidak/No
2. Skim Ar-Rahnu saya adal ah dari pada
My Ar-Rahnu Scheme provi ded by

Bank Rakyat
Insti tusi l ai n/Other
Insti tuti ons.
3. Saya sudah menjadi pelanggan skim Ar-Rahnu semenjak
I have been a customer of the Ar-Rahnu Scheme for

< 1 tahun/ < 1 year
2-3 tahun/2 3 years
4-5 tahun/4 5 years
Atas 5 tahun/ Above 5
years
4. Kekerapan mengunj ungi ke skim Ar -Rahnu
Frequency of visi t to Ar -Rahnu Scheme

Sekali /Only once
2-3 kali / 2 3 ti mes
4-5 kali / 4 5 ti mes
Atas 5 kal i/ Above 5 ti mes
5. Janti na
Gender

Lel aki/ Mal e
Perempuan/femal e
6. Umur
Age

18-25 tahun/18 25 yrs
26-40 tahun/26 40
41-55 tahun/41 55
56 tahun keatas/ 56 yrs
and above

3

7. Bangsa
Race
Melayu/ Mal ay
Ci na/Chi nese
Indi a/ Indian
Lain-l ain/Others
_____________
8.
Agama
Rel igi on

Musl im/Musli m
Budha/ Buddhist
Hi ndu/ Hi ndu
Kristian/ Christi an
Lain-l ain/Others
_____________
9.
Latar belakang pendi di kan
Education

Menengah/ Secondary
Di pl oma
Ij azah/ Degree
Master dan keatas/ Master
& above
10.
Kerj aya
Professi on

Keraj aan/Government
empl oyee
Swasta/ Private Sector
empl oyee
Bekerj a sendiri/ Sel f
empl oyed
Lain-l ain/Others
11.
Pendapatan bul anan
Monthly Income

< RM 2,500
RM 2,500 - RM 5,000
RM 5,001 - RM 10,000
> RM 10,000
12.
Dari mana anda mengetahui mengenai skim Ar -
Rahnu
How di d you fi nd out about the Ar -Rahnu scheme
Medi a cetak/ Pri nti ng
medi a (pamphl et,
magazi nes)
Medi a elektronik/
El ectronic medi a
(Tel evisi on,radi o,i nternet)
Rakan & saudara/ Fri ends
& rel ative
Lain-l ain/Others











4

SECTION 2: Customer Acceptance
Sila tandakan tahap penerimaan anda terhadap Skim Ar-Rahnu dengan menandakan satu nombor daripada 5 skala
di bawah menggunakan skala 1 hingga 5, dengan 1= Sangat tidak setuju; 2 = Tidak setuju ; 3= Neutral; 4 =
Setuju; dan 5 = Sangat setuju.
Please rate the acceptance level of the Ar-Rahnu Scheme by circling the number from the 5-point scale below using
a scale from 1 to 5, with 1= Strongly Disagree; 2 = Disagree; 3= Neutral; 4 = Agree; and 5 = Strongly
Agree.

Part A: upah simpan/storage charge
No Disagree Agree
1. Skim Ar-Rahnu mengenakan caj perkhidmatan yang lebih rendah
berbanding Skim pajak gadai konvensional.
Ar-Rahnu Scheme implements a lower service charge compared to
conventional pawnScheme.
1 2 3 4 5
2. Skim Ar-Rahnu memberikan harga yang wajar kepada pemilik
berpendapatan rendah.
Ar-Rahnu Scheme set a fair price for the low income owners.
1 2 3 4 5
3. Skim Ar-Rahnu memberikan harga yang lebih baik berbanding Skim
pajak gadai konvensional.
Ar-Rahnu Scheme set a better pawn price compared to conventional
pawnScheme.
1 2 3 4 5
4. Skim Ar-Rahnu mempraktikkan konsep ibra atau potongan ke atas
penebusan awal.
Ar-Rahnu Scheme practice an ibra concept or discount for earlier
redemption.
1 2 3 4 5


Part B: Kualiti perkhidmatan/Service quality
No Disagree Agree
1. Proses kelulusan di Skim Ar-Rahnu adalah lebih mudah berbanding
di Skim pajak gadai konvensional.
Approval process in Ar-Rahnu Scheme is ease compared to
conventional pawnScheme.
1 2 3 4 5
2. Skim Ar-Rahnu memberikan nasihat dan kaunseling mengenai
sistem gadaian Islam kepada pelanggan.
Ar-Rahnu Scheme provides advice and counselling on Islamic pawn
system to the customer.
1 2 3 4 5
3. Skim Ar-Rahnu mengutamakan kerahsian pelanggan.
Ar-Rahnu Scheme up-host the customers confidentiality.
1 2 3 4 5
4. Mengeluarkan resit ke atas sebarang urusniaga yang dilakukan.
Issuance a receipt for any made transaction.
1 2 3 4 5
5

5. Keselamatan transaksi.
Security of the transaction.
1 2 3 4 5
6. Layanan yang sama rata terhadap pelanggan Muslim dan bukan
Muslim.
Fair treatment for both Muslim and non-Muslim customers.
1 2 3 4 5
7. Perkhidmatan yang cepat dan berkesan.
Fast and efficient counter services.
1 2 3 4 5
8. Menyelesaikan urusan pelanggan dalam masa yang singkat.
Completion of customer services in a short time.
1 2 3 4 5
9. Pegawai bertugas memberi layanan mesra terhadap pelanggan.
The officer in charge providing services to the customer intimately.
1 2 3 4 5
10. Sekiranya pelanggan gagal menuntut barangan, pihak bank akan
menghantar notis sebelum melelong barangan.
If the customer fails to claim the goods, the bank will send a notice
before auction off the goods.
1 2 3 4 5
11. Lebihan wang daripada barangan yang dilelong oleh pihak bank
akan dikembalikan kepada pelanngan.
Surplus money from the items auctioned off by the bank will be
returned to the customer
1 2 3 4 5



Part C: Kawasan/Locality (where Ar-Rahnu Scheme is offered)
No Disagree Agree
1. Berdekatan dengan pusat pengangkutan awam.
Near to public transportation centre.
1 2 3 4 5
2. Berdekatan dengan pusat membeli-belah dan pusat perniagaan.
Near to shopping mall and business centre.
1 2 3 4 5
3. Berdekatan dengan kawasan kediaman.
Near to residential area.
1 2 3 4 5
4. Berdekatan dengan tempat kerja.
Near to workplace.
1 2 3 4 5
5. Terdapatnya kawasan meletakkan kenderaan yang berdekatan.
Available parking space nearby.
1 2 3 4 5
6. Kawasan selamat daripada penjenayah.
The secure area of the criminals.
1 2 3 4 5


6


Part D: Pengurusan/Management
No Disagree Agree
1. Peluang mendapatkan kemudahan pembiayaan melalui Skim Ar-
Rahnu adalah lebih baik berbanding institusi kewangan lain.
Chances of gaining financing facility through Ar-Rahnu Scheme are
better compared to other financial institution.
1 2 3 4 5
2. Caj perkhidmatan yang dikenakan oleh Skim Ar-Rahnu mampu
dijelaskan.
Service charge imposed by Ar-Rahnu Scheme is affordable.
1 2 3 4 5
3. Tempoh gadaian yang dikenakan oleh Skim Ar-Rahnu adalah
munasabah.
Pawning period imposed by Ar-Rahnu Scheme is reasonable.
1 2 3 4 5
4. Penglibatan dengan Skim pajak gadai diketahui oleh orang lain.
Association with Ar-Rahnu Scheme is known to others.
1 2 3 4 5
5. Penglibatan dengan Skim Ar-Rahnu hanya diketahui keluarga
terdekat sahaja.
Association with Ar-Rahnu Scheme only known by closed relative.
1 2 3 4 5
6. Urusniaga Ar-Rahnu dilakukan diruangan khas yang terasing dari
ruang utama.
Ar-Rahnus transaction is made in a special space separated from
the main area.
1 2 3 4 5
7. Iklan mengenai Skim Ar-Rahnu sentiasa dilihat dimana-mana.
Advertisement about Ar-Rahnu Scheme always seen everywhere.
1 2 3 4 5
8. Iklan mengenai Skim Ar-Rahnu adalah lebih menarik berbanding
pajak gadai konvensional.
Advertisement on Ar-Rahnu Scheme is more interesting compared
to the conventional pawning.
1 2 3 4 5
9. Harga emas semasa dipaparkan pada papan yang disediakan untuk
kemudahan pelanggan.
Current gold price displayed on the board that are provided for the
convenience of customers.
1 2 3 4 5




10. Skim Ar-Rahnu menyediakan perlindungan insurans pada barang
gadaian
The Skim provides insurance coverage on a pledge

1 2 3 4 5







7



Part E: Pandangan syariah/Shariah view.
No Disagree Agree
1. Skim Ar-Rahnu beroperasi menurut prinsip dan undang-undang
Islam.
Ar-Rahnu Scheme operates according to Islamic law and principles.

1 2 3 4 5
2. Skim Ar-Rahnu adalah berlandaskan Al-Quran dan Sunnah sebagai
sumber perniagaannya.
Ar-Rahnu Scheme is based on the Quran and Sunnah as the source
of its business.
1 2 3 4 5
3. Skim Ar-Rahnu adalah bebas dari unsur riba.
Ar-Rahnu Scheme is interest free.
1 2 3 4 5
4. Transaksi yang berlaku adalah bebas dari unsur ketidak tentuan
(gharar) atau keraguan.
Transactions made are free from any uncertainties (gharar) or
doubtful transactions.
1 2 3 4 5
5. Skim Ar-Rahnu beroperasi secara adil pada kedua-dua belah pihak ;
pemegang pajak gadai dan pemajak gadai.
Ar-Rahnu scheme operates in justice between both parties; the
pawnbrokers and the pawners.

1 2 3 4 5


















8



SECTION 3: Pendapat pelanggan/Customer view.

No Disagree Agree
1. Saya menyedari Bank Rakyat menyediakan Skim Ar-Rahnu.
I am aware that Bank Rakyat provide an Ar-Rahnu scheme.
1 2 3 4 5
2. Skim Ar-Rahnu merupakan sumber kemudahan pembiayaan yang
bagus.
Ar-Rahnu Scheme is good source of financial facilities.
1 2 3 4 5
3. Saya sentiasa bersedia menggunakan perkhidmatan Skim Ar-Rahnu
Bank Rakyat.
I am always ready to use Bank Rakyats Ar-Rahnu Scheme service.
1 2 3 4 5
4. Saya akan mencadangkan penggunaan perkhidmatan Skim Ar-
Rahnu Bank Rakyat kepada rakan-rakan dan keluarga.
I will recommend the usage of Bank Rakyats Ar-Rahnu Scheme
service to friends and families.
1 2 3 4 5
5. Skim Ar-Rahnu Bank Rakyat memberikan perkhidmatan yang
berkualiti tinggi.
Bank Rakyats Ar-Rahnu Scheme provide high quality standard of
services.
1 2 3 4 5
6. Secara keseluruhannya, Skim Ar-Rahnu Bank Rakyat adalah sangat
diterima.
Overall, Bank Rakyats Ar-Rahnu Scheme services are highly
accepted.
1 2 3 4 5
7. Skim Ar-Rahnu Bank Rakyat menyelesaikan masalah pelanggan ke
atas kadar faedah yang lebih tinggi, luar biasa tinggi dan aktiviti
eksploitasi yang dihadapi oleh kedai pajak gadai konvensional.
Bank Rakyat, Ar-Rahnu scheme solve customer problem over
higher interest rates, usurious and exploitative activities that face by
conventional pawnshop.
1 2 3 4 5


Thank you for your cooperation.