ar rahnu biz model -230308
Post on 07-Mar-2015
192 Views
Preview:
TRANSCRIPT
VC Gold Sdn. Bhd.
A World of Gold.
OUR VISION & MISSION• VISION
To position Gold as a bankable commodity and restore appreciation of the excellence of Gold as an incorruptible store of value.
• MISSIONTo actively build a large community of gold owners through innovative offerings of attractive gold investment products.
• OUR STRATEGY - To collaborate with Ar Rahnu partners, gold refiners, gold
retailers, relevant government authorities and other gold investors.
HOW GOLD STORES WEALTH
• SAFE HAVEN ( do not rely on an issuer’s promise to pay)
• DOLLAR HEDGE ( hedge against fluctuation in the USD)
• INFLATION HEDGE ( keeps purchasing power)
• PORTFOLIO DIVERSIFICATION
Range of Innovative Programs
1. Conventional Pawning (Jewellery)
2. Gold Roll Over Programme 1+2
3. Buying and selling used gold
4. Jewellery Plus
1. Millenium Ar-RahnuGet more $$ from your Jewellery.
YourGold Jewelry
Millenium Ar-Rahnu
We advance you 80% of Current Market Value.
1 % Safekeeping Charge per month.
Upon Expiry of Term,You will redeem
Your Gold Jewelry by payingThe Advanced Value
Of 80%.If you are unable to
Redeem, we shall auctionoff product and after
Deduction of AdvanceAnd Expenses, will Pay you the balance,
If any.
6 months Term + 14 days grace
period.
1. Millenium Ar-RahnuGet more $$ from your jewellery.
@$50,000
Millenium Ar-Rahnu
We advance you 80% of Market
Value.$40,000
1 % Safekeeping Charge per month.
$500 p.m.
Upon Expiry of Term,You will redeem
Your Gold Jewelry by payingThe Advanced Value
Of $40,000 less $6,000 (safe-keepingCharge of 6 months.
$34,000If you are unable to
Redeem at end of term, we shall auctionthe gold jewelry and after
Deduction of Advance & Expenses, will Pay you balance leftover, if any.
6 months Term + 14 days grace
period.
2. Jewellery PlusSqueeze Income out of your Jewelry yet maintain ownership of it.
Millenium Ar-Rahnu
We advance you 80% of Current Market Value.
1 % Safekeeping Charge per month.
You use the Advanced $AmountTo buy our 999.9 Gold
and participate in our Valued ClientReward Program.
You get paid 1.5% per month nettOf safekeeping charges.
12 months Term extendable.
14 days grace period.
2. Jewellery PlusSqueeze Income out of your Jewelry yet maintain ownership of it.
916 @ market value$50,000
Millenium Ar-Rahnu
We advance you 80% of Market
Value.
$40,000
1 % Safekeeping Charge.
$500 p.m.
You use the $40,000To buy our 999.9 Gold
and participate in our Valued ClientReward Program.
You get profit share 2.5% p.m.$1000 p.m..
less safekeeping charges.$500 p.m.
You receive RM500 incomePer month.
12 months Term extendable.
14 days grace period.
3. GOLD ROLL OVER 1+2 (loan advanced from VC & KOJUTA)
You buy100 gm
VC100 gm
VC100 gm
KOJUTA Ar-Rahnu
Advance to You.
Kojuta advances you 65% of Total Value to be used
as payback to VC.
You now own 300 gm of gold in
Kojuta but owe Kojuta 65% as
advance
You pay 1 % Safekeeping
Charge per month.
VC pays You2.5% on 300 gm
Less 1% SafekeepingCharge to Kojuta.
You earn Nett 1.5%On 300 gm.
Equivalent to 4.5%Of Your 100 gm.
Upon Expiry,You will receive
$ Value for 300 gmOf Gold at EntryOr Then Market
Price. You Pay BackKojuta Advance +
Bal of VC Advance.The Remainder
is Yours
3. GOLD ROLL OVER 1+2 (loan advanced from VC & KOJUTA)
You buy100 gm $10,000
VC100 gm$10,000
VC100 gm$10,000
KOJUTA Ar-Rahnu$30,000
Advance to You.
Kojuta advances you 65% of Total Value to be used
as payback to VC.$19,500
You now own 300 gm of gold in
Kojuta but owe Kojuta $19,500.
1 % Safekeeping Charge per month.
VC pays You2.5% on 300 gm
$750.00 p.m.Less 1% Safekeeping
Charge to Kojuta.$300 p.m.
You receive Nett $450.00 p.m.Equivalent to 4.5%Of Your 100 gm.
Upon Expiry,You will receive$30,000 for the
300 gmOr Then Market
Price. You Pay BackKojuta $19,500 +
VC $500.The Remainder
is Yours
4. Buy And Sell Gold Jewellery
VC Gold Sdn. Bhd.
NEWS HIGHLIGHT
NEWS HIGHLIGHT
NEWS HIGHLIGHT
NEWS HIGHLIGHT
AR-RAHNUSyariah-based Pawnbroking
The New Millennium Ar Rahnu
VC Gold collaborate with Ar Rahnu partners
First branch - KOJUTA AR RAHNU ( DESA PANDAN)
Lucrative Business Model by VC Gold
Total Used Gold ( in pawnshops and Ar Rahnu) = RM20 Billion
Objective : To capture 50% of the total used gold market share by opening 36 more outlets throughout Malaysia and
collaborating with another 87 existing Ar Rahnu establishment.
Competitor Analysis
MarginSafe keeping fee
Tenure
Bank Rakyat65% 1.3%
6+6+3months.
Conventional Pawnshops 50%-70% 2% 6 months
VC Millenium Ar-rahnu 80% 1%
6 months + 14 days
Millenium Ar-Rahnu Shareholding Investment
VC Gold Sdn. BhdShareholding
51%102 kg Gold
InvestorsShareholding
49%98 kg Gold
Millenium Ar-RahnuBusiness
Capital 200 kg Gold
Kojuta Ar-RahnuLicensee
• Capital can be in cash or gold• Total return : 5% p.m + Year-End Dividend • Total transparency : - Monthly meeting among shareholders - Internal auditor appointed by investors
top related