Ar-Rahnu Micro Financing

Unlocking opportunities for you to achieve your aspirations.

Ar-Rahnu Micro Financing offers two products;

  1. Az-Zahab - caters to customers who have not assigned their salary to BIBD and uses Gold as collateral.
  2. Al-Jauhar - caters to customers who assign their salary to BIBD and uses Gold as collateral.

Features & Benefits

  • Obtain short-term financing up to 80% of the collateral prevailing market rate
  • Spread out monthly payments of up to 6 months for Az-Zahab and up to 12 months for Al-Jauhar
  • Secured safekeeping of Gold pledged
  • Availability of Gold cleaning and Zakat services
Shariah Concept
  • The Shariah concept applicable is Ar-Rahnu
  • Ar-Rahnu, also known as Islamic Pawn, refers to the mechanism whereby an item of value is pledged as a security for cash financing. Ar-Rahnu together with other mualamat principles create the Shariah based pawn broking which include;

    Al-Qardhul Hasan, the financing agreement, whereby BIBD grants financing to the customer who is only required to pay the amount borrowed.

    Al-Wadiah Yad Dhamanah, safekeeping with guarantee, is an agreement between the customer and BIBD, whereby BIBD accepts custody of the gold and ensures the safekeeping of the gold which guarantees the gold against loss, damage, theft and the like.

  • Brunei Citizens and Permanent Residents
  • Individuals between the age of 18 to 65 years*
  • Assignment of Income (applicable for Al-Jauhar scheme)
  • Open to BIBD account holder only

*The maximum age of Customer is 55 years if the Customer is not receiving TAP, 60 years if the Customer is receiving TAP and not exceeding 65 years at the time of expected financing maturity.

Required Documents


  • Original copy of Identity card (applicant & Gold owner)
  • Original copy of latest salary slip (applicable for Al-Jauhar product only)
  • Letter of Consent from collateral owner (where applicable)
Fees and Requirements

Please read the Product Disclosure Sheet for more information. (English / Malay). 

For further details, please refer to the Bank's Schedule of Tariffs.


Stay Connected

Get the BIBD Mobile App