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5. Payment. / Bayaran. a) Safekeeping fee and loan payment can be done at any
BMMB branches, ATM, CDM, or via i-Muamalat. /
Pembayaran upah simpan dan pinjaman boleh dibuat di
mana-mana cawangan BMMB, mesin ATM, CDM atau
melalui i-Muamalat.
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Soalan-soalan Lazim berkenaan Muamalat Ar-Rahnu /
FAQs on Muamalat Pawn Broking-i
NO. PRODUCT CRITERIA / CIRI-CIRI PRODUK JAWAPAN/ ANSWER
6. Safekeeping Fee Rate. / Kadar Upah Gold Value / NiIai Monthly Safekeeping Fee (For
Simpah. Emas every RM100 worth of Gold Value)
/ Nilai Emas Upah Simpan Bulanan
(Setiap RM100 Nilai Emas)
RM320 – RM1,000 RM0.65
RM1,001 – RM5,000 RM0.75
>RM5,001 RM0.85
7. Redemption of Charge. / Penebusan Redemption of charge can be done before or on the maturity
Gadaian. date at home Branch only. / Penebusan gadaian boleh dibuat
sebelum atau pada tarikh matang di cawangan asal
(cawangan di mana Ar-Rahnu tersebut dilakukan) sahaja.
8. Documents needed to apply. / Dokumen- a) Application form of Muamalat Pawn Broking-i. / Borang
dokumen yang diperlukan untuk permohonan Muamalat Ar-Rahnu.
memohon. b) MyKad / Kad Pengenalan.
c) Charge item. / Barang gadaian.
9. Advantages of Muamalat Pawn Broking-i. a) This product is Shariah compliant. / Produk yang
/ Kelebihan-kelebihan Muamalat Ar- mematuhi garis panduan Syariah.
Rahnu. b) Free from Interest and Uncertainty. / Bebas dari unsur
Riba dan Gharar.
c) Low safekeeping fee. / Upah simpan yang rendah.
d) High loan limit. / Had pinjaman yang tinggi.
e) Fast, easy, and safe transaction. / Transaksi yang cepat,
mudah dan selamat.
f) Low-cost gold cleaning service is offered to Muamalat
Pawn Broking-i customers. / Servis cucian emas yang
rendah ditawarkan kepada pelanggan Muamalat Ar-
Rahnu.
10. Calculation of safekeeping fee Muamalat Marhun Value / Nilai Marhun : RM1,000.00
Pawn Broking-i as compared to Loan (80%) / Pinjaman (80%) : RM800.00
conventional pawn broking. / Pengiraan Tenure / Tempoh : 6 months / bulan
Upah Simpan Muamalat Ar-Rahnu
berbanding pajak gadai konvensional. Muamalat Pawn Broking-i / Conventional Pawn Broking
Muamalat Ar-Rahnu / Pajak Gadai Konvensional
[(RM1,000.00/100) x 0.65 RM1,000.00 x 2% x 6
x12 month x 1/365 ]183 months/bulan = RM120.00
(days/hari) = RM39.00
2
Soalan-soalan Lazim berkenaan Muamalat Ar Rahnu /
FAQs on Muamalat Pawn Broking-i
2. How is the authenticity of the The Bank’s representative shall conduct the following testing
jewellery/gold tested? / Bagaimanakah on the jewellery/gold: / Wakil pihak Bank akan menjalankan
barang kemas/emas diuji tahap ujian tahap ketulenan terhadap barang kemas/emas seperti
ketulenannya? yang berikut:
a) Physical checking / Pemeriksaan fizikal
b) Magnet testing / Ujian magnet
c) Densimeter testing / Ujian densimeter
d) Pen test – Gemoro Auracle AGT3 / Ujian pena - Gemoro
Auracle AGT3
3
Soalan-soalan Lazim berkenaan Muamalat Ar Rahnu /
FAQs on Muamalat Pawn Broking-i
7. How long does it take to receive a copy of Immediately once the Bank’s representative has received all
the LPC? / Berapa lamakah tempoh untuk completed documents as mentioned above. / Serta merta jika
4
Soalan-soalan Lazim berkenaan Muamalat Ar Rahnu /
FAQs on Muamalat Pawn Broking-i