Ar-Rahnu X’Change


Have you ever considered a pawn-brokering business? Do you know that you can actually operate one as a small setup and backed by one of the leading banks in Malaysia?

Cashing in on your investment

The AR-Rahnu X’Change is a name that comes under the Bank Rakyat Malaysia group. This is one initiative that provides a truly unique investment opportunity for entrepreneurs. If you have been considering a business in these areas, then the Ar-Rahnu X’Change could well be a sound investment.

Helping those who need this service

One of the significant factors about a pawn-brokering business is that it has been around for many centuries. This is one of the traditional methods for people to get extra cash in exchange for certain types of valuables.

What makes this business sound is that you get to learn from the expertise from Ar-Rahnu Bank Rakyat. You would need to have some background knowledge on how the system works as well.

What do our experts say?

The Ar-Rahnu X-Change provides a rare investment opportunity because it is not like any other form of franchise. This business requires a different skill set and knowledge of the market in order to sustain this business.

  • Brand Reputation – A stable name backed by Bank Rakyat.
  • Initial Capital – You will need at least RM250,000 to start this operation. This can be considered to be quite low for a finance-related business.
  • Franchising fees: RM 35,000
  • Return on Investment – Steady but you will need to sustain for the first 3 years.
  • Location – Shop lots are suitable but safety must be the priority.
  • Customer Segment – Families and individuals.

The Final Word

The startup capital might not be very high but it might need additional funds to sustain. This business can be profitable but it needs time to grow. Hence, you need to allocate a certain amount of funds for later.

One very important aspect of this business is security. As you are dealing with cash and valuables, you need to invest additionally into security systems and related issues. Hence, this might create more stress for the business owner.

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