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GAP Ar-Rahnu: get cash without selling your gold

How GAP Ar-Rahnu works: pawn gold in your GAP account with a 70% financing margin, safekeeping fee, term and redemption.

Updated 25 Oct 2026

Summary

  • Ar-Rahnu is Shariah-compliant pawning by Koperasi Dagang Emas (KDE), Public Gold's partner.
  • Financing margin of 70% of the marhun value (as of 25 Oct 2026, subject to Public Gold's latest terms).
  • Redeem before the maturity date, or the pledged gold can be auctioned.

Before you start

  • A complete account profile, including bank details
  • Gold in your GAP account

Steps

  1. Understand it first. You get an interest-free loan (Al-Qard) with gold as collateral, and pay a safekeeping fee (Ujrah). The gold stays yours as long as you redeem it.
  2. Complete your profile and bank details. Make sure your profile and bank details in your Public Gold account are complete.
  3. Log in and choose Ar-Rahnu. Open the Ar-Rahnu section of your GAP account.
  4. Choose the grams. Pick how many grams to pledge.
  5. Check the details. Check the marhun value and financing amount shown. The financing margin is 70% of the marhun value (as of 25 Oct 2026, subject to Public Gold's latest terms). Also check the safekeeping fee and maturity date shown.
  6. Confirm. Follow the on-screen steps to receive the financing.
  7. Redeem before maturity. Repay and redeem your gold before the maturity date. According to KDE, items not redeemed in time can be auctioned under its procedure.

Good to know

  • KDE's page for its Ar-Rahnu service mentions a safekeeping fee of 1% of the marhun value and a 6-month term that can be extended to 8 months. The figures for GAP are shown in your account; follow those.
  • The 70% figure is provided by Priority Dealer PG00111755, as of 25 Oct 2026, subject to Public Gold's latest terms.
  • Ar-Rahnu suits short-term cash needs. Don't pledge gold if you're unsure you can redeem it.

Stay safe: never share your password or TAC code with anyone, including us. We never ask for a photo of your IC.

Official sources

Links go to official sites (new tab). Checked 25 Oct 2026. General information, not financial advice. Public Gold is the service provider; its latest terms always apply.

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