Islamic financing

Ar-Rahnu and Shariah-compliant financing from banks and government agencies. 13 ideas.

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Ar-Rahnu (gold pawn)

Agrobank Ar-Rahnu

Agrobank Ar-Rahnu: Pawn gold at an Agrobank Ar-Rahnu counter; profit from RM0.55 a month per RM100.

Bank Rakyat Ar-Rahnu

Bank Rakyat Virtual Ar-Rahnu-i: Pledge your eGold balance (eGold Account-i) for instant financing.

Bank Islam Ar-Rahnu

Bank Islam Ar-Rahnu: Islamic gold pawn at Bank Islam.

YaPEIM Ar-Rahnu

Ar-Rahnu YaPEIM (pajak gadai Islam): Quick cash by pawning gold; pay a safekeeping fee, not interest.

Bank Muamalat Ar-Rahnu

Bank Muamalat Ar-Rahnu: Islamic pawn: cash against your gold.

Personal financing

BSN MyRinggit-i

BSN MyRinggit-i (Sektor Awam): Personal financing-i for public-sector staff (BPA salary deduction).

Bank Islam personal financing-i

Bank Islam Pembiayaan Peribadi-i: Tawarruq personal financing from 5.00% a year for government and selected company staff.

Bank Rakyat personal financing-i

Bank Rakyat Pembiayaan Peribadi-i Sektor Awam: Tawarruq financing for public sector and GLC staff; fixed rates from 3.42%.

Business financing

TEKUN Nasional: TEKUN Niaga Shariah-compliant (Tawarruq) financing of RM1,000 to RM100,000 for Bumiputera entrepreneurs aged 18 to 65, including night-market and online sellers. 4% profit a year, 5% compulsory savings a year, up to 10 years.

BSN MADANI-i microfinancing

BSN MADANI-i (pembiayaan mikro): Micro financing RM2,000–RM100,000 for micro enterprises operating ≥6 months.

PUNB PROSPER Grow

PUNB PROSPER Grow: Business financing for established Bumiputera entrepreneurs (min RM300,000 annual sales).

TEKUN Mobilepreneur (riders/drivers)

TEKUN Mobilepreneur 4.0: 4% a year financing for e-hailing/delivery riders and drivers to buy or repair a vehicle.

SME Bank financing

SME Bank – Pembiayaan PKS: A government development bank financing micro, small and medium businesses. Apply online or at a branch.