Program Mikro Kredit Berasaskan Ar Rahnu. Ar Rahnu-Based Micro Credit Programme

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1 Program Mikro Kredit Berasaskan Ar Rahnu

2 2 Program Mikro Kredit Berasaskan Ar Rahnu Program Mikro Kredit Berasaskan Ar Rahnu Yayasan Pembangunan Ekonomi Islam Malaysia Malaysia Islamic Economic Development Foundation 1. LATAR BELAKANG 1. BACKGROUND a) Mesyuarat Jemaah Menteri pada 30 Januari 1985 bersetuju pada dasarnya dengan Rancangan Penubuhan Pajak Gadai Islam. a) A Cabinet meeting held on 30 January 1985 had, in principle, agreed to the Islamic Pawn-broking Programme. b) YaPEIM dan Bank Negara Malaysia mengambil inisiatif menubuhkan Jawatankuasa Pemandu Skim pada tahun 1992 bagi merealisasikan penubuhan Pajak Gadai Islam. b) Initiated by YaPEIM and Bank Negara, the Scheme s Steering Committee was established in 1992 to realise the establishment of the Islamic Pawn-broking. c) Diperkenal dan dilaksanakan melalui : Bank Kerjasama Rakyat Malaysia Berhad (1993) Bank Islam Malaysia Berhad (1998) Koperasi YaPEIM Berhad (2000) c) Introduced and implemented through: Bank Kerjasama Rakyat Malaysia (1993) Bank Islam Malaysia Berhad (1998) Koperasi YaPEIM Berhad (2000)

3 Yayasan Pembangunan Ekonomi Islam Malaysia Malaysia Islamic Economic Development Foundation 3 2. OBJEKTIF /STRATEGI 2. OBJECTIVE/STRATEGY a) Menyediakan kemudahan mikro kredit secara mudah, cepat dan amanah kepada masyarakat terutamanya golongan yang berpendapatan rendah untuk kegunaan sebagai modal perniagaan secara kecil-kecilan dan lain-lain aktiviti yang produktif bagi membangun sosioekonomi ummah. b) Sebagai alternatif kepada masyarakat untuk memenuhi keperluan tunai melalui transaksi gadaian yang berlandaskan hukum syarak. a) To provide a convenient, fast and reliable micro credit facility to the members of the public, especially for the low-income group to be used as a start-up capital for small businesses and other productive activities for the sosioeconomic development of the ummah. b) To provide an alternative to the public to fulfill their cash flow needs through pawn-broking transactions that is based on syariah. 3. PENDEKATAN/AKTIVITI 3. APPROACH/ACTIVITY a) Melaksanakan Skim Pembiayaan berasaskan konsep : i) Ar-Rahn Merujuk kepada suatu barang berharga dijadikan sandaran yang terikat dengan hutang (pinjaman) bercagar yang boleh dibayar dengannya sekiranya hutang tersebut tidak dijelaskan. a) Implementing Financing Schemes based on the following concepts: i) Ar-Rahn Refers to a valuable item that is used as collateral in a mortgage debt (loan), which can be used to pay the debt with if the debtor fails to pay it off. Al Wadiah Yad Dhamanah Merujuk kepada simpanan barang berharga dengan jaminan dan setiap simpanan akan dikenakan upah simpan Al-Wadiah Yad Dhamanah Refers to the safekeeping of valuable items with a guarantee, and fees will be charged for the safe keeping.

4 4 Program Mikro Kredit Berasaskan Ar Rahnu i Al Qard Merujuk kepada pinjaman yang diberikan sejumlah peratusan tertentu daripada nilai marhun dan upah simpan dikenakan tidak berasaskan jumlah pinjaman yang dikeluarkan i Al Qard Refers to a loan given based on a certain percentage of the marhun value, and safekeeping fees charged is not based on the amount of loan disbursed. b) Menawarkan khidmat Skim Ar Rahnu ini melalui Cawangan/Pusat Komuniti YaPEIM di lokasi yang dikenal pasti di seluruh Negara. Berasaskan semangat 1 Malaysia (Rakyat Didahulukan), YaPEIM mensasarkan untuk memperluaskan penawaran perkhidmatan Ar Rahnu YaPEIM ini sehingga tahun 2014, minimum satu cawangan Ar Rahnu YaPEIM bagi satu Parlimen termasuk Sabah dan Sarawak (jumlah keseluruhan yang dirancang ialah 274 cawangan Ar Rahnu YaPEIM cawangan keseluruhannya jika mengambilkira pelaksanaan melalui institusi perbankan yang dipilih oleh YaPEIM di seluruh Negara). b) Offering Ar Rahnu services through recognised YaPEIM branches/ community centres at various locations nationwide. Based on the spirit of 1 Malaysia (People First), YaPEIM aims to expand the Ar Rahnu services to at least one Ar Rahnu YaPEIM branch for each parliamentary constituency including Sabah and Sarawak by (a total of 274 Ar Rahnu YaPEIM branches have been planned - a total of 400 branches if the implementation through selected banking institutions is taken into consideration nationwide).

5 Yayasan Pembangunan Ekonomi Islam Malaysia Malaysia Islamic Economic Development Foundation 5 c) Aspek Utama yang diberi tumpuan dalam Pelaksanaan Ar Rahnu: A. Memantapkan Pelaksanaan Produk Ar Rahnu YaPEIM 1. Memantapkan Pelaksanaan i) Aspek Perancangan Penggemblengan dana berjumlah RM1.096 bilion bagi tujuan Rancangan Peluasan sehinga tahun 2014 (berasaskan purata keperluan setiap cawangan berjumlah RM4 juta). c) Main aspects that are being focused in the implementation of Ar Rahnu: A. Strengthening the Implementation of Ar Rahnu YaPEIM Products 1. Strengthening the Implementation i) Planning Aspects Generating a total of RM1.096 billion in funds for the purpose of Expansion Plans until the year 2014 (based on an average of RM4 million for each branch) Aspek Pelaksanaan Skim ¾¾ Aspek Sistem Ar Rahnu ¾¾ Aspek Pentadbiran Skim ¾¾ Aspek Perkhidmatan Implementation Aspect of Scheme ¾¾ Ar Rahnu System Aspect ¾¾ Administrative Aspect ¾¾ Services Aspect 2. Merealisasikan Pengembangan Program Mikro Kredit Ar Rahnu melalui Pendekatan Francais dan Perlesenan 3. Meningkatkan Promosi Program Mikro Kredit Ar Rahnu B. Menyediakan Khidmat Pelengkap Kepada Skim Ar Rahnu meliputi aspek berikut: i. Khidmat Latihan dan Perundingan ii Khidmat Pembelian Emas Terpakai dan Penjualan Emas Terpakai iii. Khidmat Pembiayaan Pembelian Emas 2. Realising the Expansion of Ar Rahnu Micro Credit Programme through Franchising and Licensing 3. Enhancing the Promotion of Ar Rahnu Micro Credit Programme. B. Providing Complementary Services to the Ar Rahnu Scheme, covering the following aspects: i. Training and Consultation ii. Buying and Selling of Used Gold iii. Financing for the Purchase of Gold

6 6 Program Mikro Kredit Berasaskan Ar Rahnu iv. Khidmat E-Gold v. Khidmat Pembekalan dan Pengedaran Peralatan Pengujian Galian Bernilai C. Memajukan Program Mikro Kredit Berasaskan Ar Rahnu meliputi aspek berikut : i) Memantapkan Perjalanan Majlis Penasihat Teknologi Emas dan Galian Bernilai Menjayakan Pakej Program Mikro Kredit Berasaskan Ar Rahnu i Menjayakan Usaha Pengwujudan Sistem Akreditasi Ar Rahnu iv) Memantapkan Pengurusan Sekretariat Ar Rahnu Serantau Objektif Utama/Strategi Sekretariat Ar Rahnu Serantau Memperluaskan kefahaman dan penerimaan Program Mikro Kredit Berasaskan Ar Rahnu, Menjadi wahana/landasan (forum) peringkat serantau bagi tujuan menyelaras operasi Skim Ar Rahnu/ pegadaian Syariah, dan Membantu dan menggalakkan pertumbuhan/ perkembangan bagi melaksanakan perkhidmatan Pajak gadai/pegadaian Syariah di kalangan Negara anggota. iv. E-Gold v. Supplying and Distributing Equipment for Testing Valuable Minerals C. Developing Ar Rahnu as a Micro Credit Programme i) Strengthening the Workings of the Advisory Council for Gold and Valuable Minerals Testing Technology Ensuring the Success of the Ar Rahnu-based Micro Credit Programme Package i Ensuring the Success of the Efforts in Creating the Ar Rahnu Accreditation System iv) Strengthening the Management of the Ar Rahnu Regional Secretariat Main Objectives/Strategies of the Ar Rahnu Regional Secretariat ¾¾ To expand the understanding and acceptance of the Ar Rahnu-based Micro Credit Programme; ¾¾ To become the regional platform (forum) for the purpose of coordinating the operation of the Ar Rahnu Scheme/Syariah pawn-broking; and ¾¾ To assist and promote the growth/development of the implementation of pawn-broking/ Syariah pawnbroking services among member countries.

7 Yayasan Pembangunan Ekonomi Islam Malaysia Malaysia Islamic Economic Development Foundation 7 4. PENDEKATAN PELAKSANAAN 4. IMPLEMENTATION APPROACH a) Kriteria Barang Gadaian a) Criteria of Pawned Items Barang gadaian yang boleh diterima adalah barangan emas yang mempunyai mutu dan kandungan emas yang disenaraikan seperti di bawah: Acceptable pawned items include gold items with the following quality and gold content: MUTU EMAS KANDUNGAN EMAS NAMA LAIN QUALITY OF GOLD GOLD CONTENT ALTERNATIVE NAME 24.0 karat 99.9 % Emas sepuluh/ Emas kertas/ Emas tulen 24.0 karat 99.9 % Emas sepuluh/ Emas kertas/ Pure gold 22.8 karat 95.0 % Emas sembilan 22.0 karat 91.6 % Emas 916/Emas sembilan 21.0 karat 87.5 % Emas paun 20.0 karat 83.5 % Emas paun 18.0 karat 75.0 % Emas paun 22.8 karat 95.0 % 950 gold 22.0 karat 91.6 % 22k gold/916 gold 21.0 karat 87.5 % 21k gold/875 gold 20.0 karat 83.5 % 20k gold/835 gold 18.0 karat 75.0 % 8k gold/750 gold b) Had Dan Margin Pinjaman i. Seseorang penggadai dibenarkan membuat gadaian lebih daripada sekali dalam satu masa pada hari yang sama. b) Limit and Margin of Loans i. A pawnor is allowed to make more than one transaction at any anytime on the same day. ii. Jumlah terkumpul pinjaman untuk satu transaksi tidak melebihi RM10, ii. The accumulated total of loan for one transaction should not exceed RM10,000.00

8 8 Program Mikro Kredit Berasaskan Ar Rahnu iii. Jumlah pinjaman terkumpul tidak boleh melebihi RM25, pada satu-satu masa dan jumlah ini tidak termasuk upah simpan. iv. Jumlah maksimum pinjaman bagi setiap gadaian ialah sehingga atau tidak melebihi 65% daripada nilai marhun barang gadaian berkenaan. iii. The accumulated total of loan should not exceed RM25, at any time and this amount is not inclusive of the safekeeping fees. iv. The maximum loan for every transaction is up to or not exceeding 65% of the marhun value of the pawned item. c) Upah Simpan i. Upah simpan dikira berdasarkan nilai marhun dan tempoh bilangan bulan gadaian sehingga barang gadaian ditebus atau dijual (dilelong). c) Safekeeping Fees i. Safekeeping fee is calculated based on the marhun value and the duration of the pawn financing (in months) until the pawned item is redeemed or sold (auctioned). ii. Kadar upah simpan adalah seperti di bawah :- ii. The rates of safekeeping fees are as follows:- Bil/No NILAI MARHUN/MARHUN VALUE (RM) UPAH SIMPAN/ SAFEKEEPING FEE (RM) 1 *Kadar Khas / *Special Rate dan ke bawah / and below , , dan ke atas / 2, and above 0.75

9 Yayasan Pembangunan Ekonomi Islam Malaysia Malaysia Islamic Economic Development Foundation 9 *Nota : i) Kadar khas adalah untuk golongan miskin sepertimana yang terdapat di dalam Pangkalan Data Kemiskinan (merujuk kepada Pangkalan Data yang dibangunkan oleh YaPEIM dengan menggunapakai data rasmi daripada pihak Kerajaan) Pengiraan upah simpan adalah dibuat pada tarikh gadaian ditebus menggunakan formula berikut :- US = NM X K X T 100 di mana :- US = Upah Simpan NM = Nilai Marhun K = Kadar T = Tempoh (bulan) i Bagi maksud pengiraan upah simpan ke atas barang gadaian yang bernilai kurang daripada RM100.00, nilai marhun hendaklah diambil kira sebagai RM iv) Tempoh genap bulan bagi setiap gadaian adalah dikira berdasarkan tarikh ulang bulan gadaian dibuat. Bagi maksud pengiraan upah simpan, tempoh dilalui yang tidak genap sebulan adalah dikira sebagai sebulan. *Note: i) The special rate applies for the poor, as provided in the Poverty Database (with reference to the Poverty Database developed by YaPEIM using the official data from the Government) The calculation of the safekeeping fees is carried out on the date the pawned item is redeemed using the following formula: US = NM X K X T 100 where: US = Safekeeping Fee NM = Marhun Value K = Rate T = Duration (month) i For the purpose of calculating the safekeeping fee charged for a pawned item that is less than RM100.00, the marhun value should be calculated as RM iv) The duration for each pawned item is calculated monthly based on the date when the pawn transaction takes place. For the purpose of calculating the safekeeping fee, a financing period of less than a month is considered as a month.

10 10 Program Mikro Kredit Berasaskan Ar Rahnu v) Upah simpan bagi barang gadaian yang dijual/dilelong hendaklah dikira sehingga tempoh penyelesaian berdasarkan nilai marhun pada tarikh asal gadaian dibuat. d. Tempoh Gadaian i) Tempoh gadaian yang diberikan ialah selama 6 bulan. v) The safekeeping fee for a sold/auctioned pawned item should be calculated up to the settlement period based on the marhun value on the date of the original transaction. d. Duration of Pawn Financing i) The duration of a pawn financing is 6 months. Jika penggadai gagal menebus dalam tempoh tersebut, pihak Ar Rahnu YaPEIM boleh memberi tempoh kelonggaran penebusan sehingga 2 bulan (tempoh lanjutan pertama), tanpa permohonan daripada penggadai. Should the pawnor fails to redeem the pawned item within the period, Ar Rahnu YaPEIM can give a grace period for redemption of up to 2 months (first extended period), even without a request from the pawnor. i Jika penggadai masih juga tidak menebus dalam tempoh kelonggaran, tempoh gadaian boleh dilanjutkan untuk tempoh 2 bulan lagi (tempoh lanjutan kedua) iv) Sekiranya tiada permohonan untuk melanjutkan tempoh atau tiada pembayaran upah simpan oleh penggadai, pihak Ar Rahnu YaPEIM boleh meneruskan tindakan lelongan selepas tempoh maksimum 10 bulan. i If the pawnor still has not redeemed within the grace period, the pawn duration can be extended for another 2 months (second grace period). iv) If there is no request from the pawnor to extend the duration or no safekeeping fee is made by the pawnor, Ar Rahnu YaPEIM can proceed to auction the item after a maximum period of 10 months.

11 Yayasan Pembangunan Ekonomi Islam Malaysia Malaysia Islamic Economic Development Foundation PENUTUP a) Program Ar Rahnu dalam konteks YaPEIM bukan sahaja menyediakan kemudahan mikro kredit, malah ia juga sebagai satu program Community Capacity Building dalam kerangka membangun sosioekonomi ummah dan memastikan wujudnya Komuniti yang Lestari. Program Ar Rahnu ini juga mengambilkira pakej yang menjangkau daripada hanya sekadar menyediakan kemudahan Ar Rahnu sebagai produk asas sahaja. YaPEIM berharap melalui penawaran perkhidmatan Ar Rahnu ini akan menjadikan ia sebagai sumbangan kecil YaPEIM ke arah menjayakan Gagasan 1 Malaysia yang mendahulukan rakyat seperti yang digagaskan oleh Y.A.B Perdana Menteri. b) Penawaran Program Mikro Kredit berasaskan Ar Rahnu ini akan menggalakkan pembangunan sosioekonomi kumpulan sasar skim, khususnya dalam konteks pembangunan usahawan kecil melalui penyediaan modal perniagaan secara kecil-kecilan. Berasaskan pinjaman tanpa faedah ini, membolehkan YaPEIM mengenakan caj yang rendah dan munasabah kepada kumpulan sasar. c) Di antara kekuatan yang menjadikan Program Mikro Kredit Ar Rahnu ini yang sangat diminati oleh kumpulan sasar yang terlibat adalah disebabkan program ini menawarkan perkhidmatan berasaskan elemen berikut: i) Caj upah simpan yang relatifnya sangat rendah; Proses yang mudah dan cepat; dan i Perkhidmatan ini dilaksanakan berdasarkan prinsip syariah. Kenyataan ini adalah merupakan kesimpulan daripada Satu Kajian Impak mengenai Pelaksanaan Program Mikro Kredit Ar Rahnu dilaksanakan oleh Institut Penyelidikan dan Perundingan YaPEIM (2010), bagi rantau Asia Tenggara yang melibatkan pelaksana Ar Rahnu (Gadaian Syariah) di Malaysia (YaPEIM), Indonesia (Perum Pegadaian), Brunei (Bank Islam Brunei Darussalam) dan Thailand (Koperasi Islam Pattani Berhad). 5. CONCLUSION a) The Ar Rahnu programme in YaPEIM s context does not only provide micro cedit facility, but it also acts as a Community Capacity Building programme within the framework of developing the socio-economy of the ummah and to ensure the existence of a Sustainable Community. The Ar Rahnu Programme also takes into account a package that goes beyond providing the Ar Rahnu facilities as the basic products. YaPEIM is hopeful that by offering the Ar Rahnu services, it would be a small contribution by an institution towards ensuring the success of the idea of One Malaysia that puts people first, as aspired by the Honourable Prime Minister. b) The Ar Rahnu-based Micro Credit Programme offered will promote socioeconomic development of the scheme s target group, especially in the context of developing small entrepreneurs by providing the start-up capital for small businesses. Based on this interest-free loans, YaPEIM can charge a minimal and reasonable fee on the target group. c) Among Ar Rahnu Micro Credit Programme s strengths that makes it highly desirable to the target group are the services offered, which are based on the following elements: i) a relatively very low safekeeping fee; simple and speedy process; i the service is performed based on Syariah principle. This statement is the conclusion of a Study on the Impact of Ar Rahnu Micro Credit Programme Implementation conducted by the YaPEIM Research and Consultancy Institute (2010), for Southeast Asia region that involves Ar Rahnu (Syariah based Pawning) implementation agencies in Malaysia (YaPEIM), Indonesia (Perum Pegadaian), Brunei (Bank Islam Brunei Darussalam) and Thailand (Koperasi Islam Pattani Berhad).

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