Emas iB Barokah

Bank finance facilities granted to the Customer under the agreement, where the customer is physically handed over valuables such as gold (both bullion and jewelery), then the bank gives Pledged Securities as security refund all or a portion of the customer to the bank.


Provides a solution for those who need short-term funds for urgent purposes, the process is quick and easy.


  1. Using akad Qardh¸Rahn and Ijarah
  2. Financing term min. 10 days, max. 120 days (4 months) and can be extended up to 2 (two) times the extension
  3. Flexibility in repayment arrangements
  4. Repayment prior to maturity are not subject to a penalty
  5. Sharia insurance protection
  6. Maintenance costs are paid at the time of redemption
  7. Value of finance up to 100% of the value of the appraiser.


  1. Fill out the application form
  2. At least 18 (eighteen) years or have been married and are authorized to take legal action (an adult according to the law and not in a guardianship) in accordance with a valid
  3. Photocopy of ID card or other valid identity
  4. Collateral in the form of bullion or jewelery min. 16 Karat with a minimum weight of 5 grams.

Tabel of Administration Fee Emas Barokah

Administration Fee
  • 25 gr = Rp10.000,00
  • >25 gr s/d 50 gr = Rp13.500,00
  • >50 gr s/d 100 gr = Rp20.000,00
  • >100 gr = Rp35.000,00


Customer pawn gold weighing 25 grams. Bank Jatim provide facilities Sharia Pledge was calculated as follows:

1. Value Appraiser :

Gold weight x SPLE 1) = Rp N

25 gram x Rp400.000,00 = Rp10.000.000,00

2. Finance :

100% x value appraiser = Rp N

100% x Rp10.000.000,00 = Rp10.000.000,00

3. Maintenance costs per 10 days :

Maintenance costs/gr/hr x gold weight x days = Rp N

Rp 146,70 x 25 gram x 10 hari = Rp36.667,00

4. The administration fee is charged Rp 13.500.00,-

So with gold weighing 25 grams Customers get :

- Financing Rp10.000.000,00

- Maintenance costs per 10 days Rp36.667,00

- Administration fee Rp10.000,00

Explanantion :

1) SPLE = Standard Penilaian Logam Emas (Metal Gold Standard Assessment)

Are priced in dollars which will be used as a guideline to calculate the estimated gold price in accordance with the conditions of the current gold market transaction occurs (in the above example SPLE = Rp400.000,00)

2) Rates and maintenance costs SPLE may change at any time, in accordance with applicable bank at the time of the transaction.

Can be served at:

  • Branch Syariah : Jl. Raya Darmo 105-107 Surabaya
  • Sub Branch Syariah Sidoarjo : Ruko Plaza Jl. A. Yani No. 40 Sidoarjo
  • Sub Branch Syariah Sampang : Jl. Jaksa Agung Suprapto No. 65 Sampang
  • Sub Branch Syariah Jember : Jl. Gajahmada 278 Jember