Overview

INFOPRO Ar Rahnu is a comprehensive digital solution designed for Islamic pawn‑broking (Ar Rahnu) operations. It supports the full customer journey – from onboarding, approval, collateral management, redemption and auction – with built‑in Shariah and AML compliance, dashboards and AI analytics. It helps institutions transform their Ar Rahnu business into a digital, efficient and scalable model.

Features and Capabilities

• Onboarding & customer acquisition: Offers omni‑channel interface, ID‑card reader integration, automated data capture and collateral value acceptance.
• Approval workflows: Configurable auto‑approval, single‑role or multi‑role maker‑checker workflows; embedded AML screening and sanctions‑list checking.
• Tawarruq & Salam module: Supports Islamic contracts by automating buying and selling of commodities under the Murabaha concept as part of Ar Rahnu financing.
• Collateral & redemption management: Manages maturities, collections, collateral statuses, notices, reminders, multi‑branch support, flexible repayment schedules (weekly/monthly/ad‑hoc).
• Auction management: Facilitates the transition from collateral to auction: processing items, listing, status updates, account freezes.
• Dashboard & analytics: Built‑in dashboards enable business monitoring, performance comparison over time and spotting opportunities.
• Embedded AI / Machine Learning: Leverages existing data for predictive analytics, customer segmentation and recommending relevant products to customers.
• Shariah & AML compliance: Designed to meet Islamic finance requirements and Anti‑Money Laundering Act screenings; supports institutions regardless of size (single branch to multi‑branch).
• Scalability & digital transformation ready: Built for Islamic pawnbroking businesses seeking to go digital, improve customer experience and support cost‑efficient operations.