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How to Use a Marhun Calculator for YaPEIM Ar-Rahnu

Jasmine YapFounder & Lead Developer · Aug 18, 2026

A YaPEIM Marhun calculator helps you plan an Ar-Rahnu Prestij pledge by using three inputs—gold type, gold weight, and storage days—to produce four figures: Nilai Marhun, Nilai Pinjaman, Upah Simpan, and Jumlah Penebusan. The calculator is a Prestij planning tool, not a universal calculator for every YaPEIM product. The official Prestij page displayed these fields and outputs and showed a review date of August 2, 2026. (arrahnuyapeim.net)

How to use the YaPEIM Marhun calculator

Use the calculator in this order: select the correct gold type, enter the eligible gold weight, enter the expected storage period in days, and then review the four results before visiting the branch.

1. Select the gold type or purity

Select the purity that matches the item’s hallmark or test result because the selected purity determines the institutional valuation rate used to estimate Nilai Marhun.

YaPEIM’s published gold criteria include 999, 950, 916, 875, 835, and 750 jewellery. YaPEIM also lists 18K white gold under separate conditions: 70%–75% gold content with silver content not exceeding 12%; white gold between 70% and 74% is treated as 700 standard, while gold content above 75% is treated as 750 standard. (arrahnuyapeim.net)

Do not select a purity merely because it produces a higher estimate; select the purity that matches the item submitted for testing.

2. Enter the eligible gold weight

Enter the weight of the eligible gold content, not the retail price or the full weight of stones, diamonds, clasps, and other non-gold materials.

For plain jewellery, the calculator’s weight field can be based on the item weight entered in grams. For stone-set jewellery, use the net gold weight accepted by the calculator or branch assessment; entering the gross jewellery weight as if it were entirely gold can overstate Nilai Marhun and financing.

YaPEIM states that stone-set items are accepted but financing is based on the gold content, while branch staff test the jewellery and weigh it during the pledge process. (arrahnuyapeim.net)

If you do not know the net gold weight of a stone-set item, use the calculator only for a rough scenario and record the branch assessment as the controlling figure.

3. Enter storage days

Enter the number of days you expect the item to remain pledged because storage duration drives the calculator’s Upah Simpan result.

The live Prestij calculator labels this field “Tempoh Simpan (Hari)” and accepts a number of days. Its public page does not state a separate calendar-month conversion, completed-day rule, minimum charge, or rounding rule. Therefore, use the calculator’s displayed Upah Simpan for planning rather than manually converting the published rate into a final fee. (arrahnuyapeim.net)

For planning, run at least two storage-day scenarios:

• The expected redemption date.
• The six-month maturity period.

This shows how a longer pledge period changes the projected fee and redemption cash requirement.

4. Read Nilai Marhun

Nilai Marhun is the calculator’s estimated institutional value for the eligible gold and is the base figure used to plan financing and Upah Simpan.

The value depends on the selected purity, the weight entered, and YaPEIM’s current valuation rate; it does not depend on the jewellery shop’s original selling price, workmanship, brand premium, or stone value.

5. Read Nilai Pinjaman

For Ar-Rahnu Prestij, estimated financing is 70% of Nilai Marhun, with a maximum of RM25,000 for one transaction and RM75,000 in cumulative financing. (arrahnuyapeim.net)

Planning formula:

```text

Estimated Nilai Pinjaman = Nilai Marhun × 70%

```

For example, a Nilai Marhun of RM10,000 produces estimated financing of RM7,000 before the Prestij limits are applied.

6. Read Upah Simpan

For Ar-Rahnu Prestij, the published Upah Simpan rate is RM0.90 for every RM100 of Nilai Marhun. (arrahnuyapeim.net)

A basic rate expression is:

```text

Monthly-rate illustration = (Nilai Marhun ÷ RM100) × RM0.90

```

For RM10,000 of Nilai Marhun, this produces RM90 for one RM100-based monthly period. The official online calculator, rather than a manually converted monthly figure, should be used for the storage-day result because the public page does not publish its day-to-month conversion or rounding method. (arrahnuyapeim.net)

7. Read Jumlah Penebusan

Use Jumlah Penebusan as the calculator’s projected cash requirement for redeeming the pledge at the selected storage duration.

YaPEIM’s FAQ describes redemption payment as the financing amount plus Upah Simpan, and it permits redemption by instalments or in one payment before or on the maturity date. (arrahnuyapeim.net)

For personal planning, use this simplified formula:

```text

Simplified redemption estimate = financing amount + projected Upah Simpan

```

This is a planning formula rather than an official accounting statement. The final redemption statement controls if it includes different rounding, partial-redemption treatment, unpaid amounts, transaction charges, or other applicable items.

Worked example: Prestij planning estimate

The following example uses explicit assumptions to demonstrate the calculation method; it is not a live YaPEIM quotation.

Assumptions

• Product: Ar-Rahnu Prestij
• Purity: 916
• Eligible gold weight: 10 grams
• Assumed institutional valuation rate: RM1,000 per gram
• Storage period: 60 days
• Prestij financing margin: 70%
• Upah Simpan illustration: RM0.90 per RM100 of Nilai Marhun per 30-day period

Calculation

1. Nilai Marhun

```text

10 grams × RM1,000 = RM10,000

```

2. Estimated financing

```text

RM10,000 × 70% = RM7,000

```

3. Illustrated Upah Simpan for 60 days

```text

RM10,000 ÷ RM100 × RM0.90 × 2 periods = RM180

```

4. Simplified redemption estimate

```text

RM7,000 + RM180 = RM7,180

```

The example shows the relationship between purity, eligible weight, Marhun value, financing margin, storage duration, and redemption cash. The live calculator and branch assessment determine the actual numbers.

Should you compare Prestij with other YaPEIM products?

Compare products only after confirming the product-specific margin, fee, financing limit, and eligibility requirement because YaPEIM does not apply one universal margin or Upah Simpan rate to every product.

YaPEIM’s FAQ currently lists these product rules:

These figures are taken from the YaPEIM FAQ available in August 2026 and should be read with the product-specific eligibility conditions rather than used as a universal comparison for every customer. (arrahnuyapeim.net)

Why can the branch value differ from the calculator?

The branch value can differ because the branch tests the jewellery, confirms its purity, determines eligible gold content, weighs the item, and applies the current institutional valuation rate before approving the transaction. (arrahnuyapeim.net)

Keep these figures separate:

• Purchase cost: what you paid for the jewellery.
• Calculator Marhun value: the online planning estimate.
• Branch Marhun value: the value used for the approved pledge.
• Approved financing: the amount stated on the transaction documents.
• Redemption statement: the amount required to recover the item.

A higher-purity item can produce a higher value per gram, but the calculator’s result comes from the selected purity and current institutional valuation rate rather than from a generic assumption about gold content.

How do you calculate net equity and possible surplus?

Net equity and possible surplus are GoldGram planning metrics, not official YaPEIM accounting measures.

Use these formulas for internal planning:

```text

GoldGram net equity = current Marhun value − outstanding financing − accrued Upah Simpan

GoldGram potential overlap surplus = new approved financing − old financing − accrued Upah Simpan

```

For example, if a new assessment produces RM8,000 of approved financing, the old financing is RM7,000, and accrued Upah Simpan is RM600:

```text

RM8,000 − RM7,000 − RM600 = RM400 potential surplus

```

The branch’s new assessment, old-ticket settlement amount, and new transaction statement control the result.

What does tukar surat or re-pledging mean?

Tukar surat or re-pledging means settling the existing pledge and creating a new pledge after the gold is assessed again under the applicable product rules.

The normal planning sequence is:

1. Obtain the old ticket’s outstanding financing and Upah Simpan.

2. Have the branch reassess the gold.

3. Obtain the new approved financing amount.

4. Settle the old financing and accumulated Upah Simpan.

5. Receive any balance only if the applicable branch and product transaction permits it.

6. Record the new ticket, maturity date, fees, and approved financing.

YaPEIM states that renewal is allowed and requires payment of Upah Simpan, but a new pledge does not automatically create surplus cash and is not automatically available under every product or transaction. (arrahnuyapeim.net)

How do maturity, extensions, and auction risk work?

For Malaysian citizens, YaPEIM’s standard pledge timeline is six months, followed by a first two-month extension and a second two-month extension, creating a maximum stated period of 10 months before auction action may proceed. (arrahnuyapeim.net)

At each stage:

1. Six-month maturity: redeem the item, make the required payment for an extension, or arrange an eligible renewal.

2. First two-month extension: keep the pledge active by following the branch’s extension process and paying the required Upah Simpan.

3. Second two-month extension: settle the required charges or redeem before the final deadline.

4. After 10 months: if the pledge remains unpaid and no valid extension or response is recorded, YaPEIM may proceed with auction action.

YaPEIM’s operational profile states that a final notice is sent 14 days before the second extension’s maturity date and that auction action may follow when there is no redemption, extension request, or Upah Simpan payment. (arrahnuyapeim.net)

Record these dates separately:

• Pledge date
• Six-month maturity date
• First-extension deadline
• Second-extension deadline
• Planned redemption date
• Any notice date shown on the ticket or branch communication

If an auction produces proceeds above the amount owed, YaPEIM identifies the remaining amount as surplus sale proceeds credited to the customer’s special Ar-Rahnu savings account. (arrahnuyapeim.net)

What should you track for several Ar-Rahnu certificates?

Track every certificate separately because one portfolio total cannot replace the ticket-level dates, fees, collateral details, and redemption amounts needed to protect each pledge.

For each certificate, record:

1. Institution and product.

2. Branch.

3. Certificate or ticket reference.

4. Purity and eligible gold weight.

5. Purchase cost and purchase date.

6. Branch-assessed Nilai Marhun.

7. Financing margin and approved financing.

8. Pledge date and maturity dates.

9. Upah Simpan rate.

10. Storage days and projected fee.

11. Current redemption amount.

12. Extension payments and notices.

13. Planned redemption or renewal action.

14. Unpledged gold held as a contingency reserve.

A digital tracker such as GoldGram.my can help consolidate these records across institutions and products. Use it as a digital pledge tracker for reminders, ticket comparison, fee planning, and equity monitoring; it is not a legal Surat Pajak or evidence that YaPEIM has approved a transaction.

YaPEIM Marhun Calculator FAQ

What inputs does the official Prestij calculator require?

The official Prestij calculator displays three inputs: gold type, gold weight in grams, and storage period in days. (arrahnuyapeim.net)

What outputs does the official Prestij calculator show?

The official Prestij calculator displays Nilai Marhun, Nilai Pinjaman, Upah Simpan, and Jumlah Penebusan. (arrahnuyapeim.net)

Should I enter gross weight or net gold weight for stone-set jewellery?

Enter eligible net gold weight rather than treating the entire gross weight of a stone-set item as gold, because YaPEIM bases financing for stone-set items on gold content. (arrahnuyapeim.net)

Why does the calculator result differ from the branch result?

The branch result differs when testing, purity confirmation, eligible-weight determination, current valuation, product eligibility, transaction limits, or fee treatment changes the final approved figures. (arrahnuyapeim.net)

How do I calculate Prestij financing?

Multiply Nilai Marhun by 70% and apply the Prestij limit of RM25,000 per transaction and RM75,000 cumulative financing. (arrahnuyapeim.net)

How do I calculate Upah Simpan from storage days?

Enter the storage days into the official calculator and use its displayed Upah Simpan because YaPEIM’s public calculator page does not publish the day-to-month conversion, minimum charge, or rounding convention. (arrahnuyapeim.net)

What amount do I need to redeem YaPEIM gold?

YaPEIM describes redemption as payment of the financing amount plus Upah Simpan, with the final branch redemption statement controlling the amount payable. (arrahnuyapeim.net)

Are extensions automatic?

The standard timeline provides a first two-month and second two-month extension structure, but the customer must follow the applicable payment and extension process rather than assuming the pledge will remain active without action. (arrahnuyapeim.net)

What happens if I miss the final deadline?

After the maximum 10-month period, YaPEIM may proceed with auction action when the pledge remains unpaid and there is no valid extension request or Upah Simpan payment. (arrahnuyapeim.net)

Can re-pledging create surplus cash?

Re-pledging can create a balance only when the new approved financing exceeds the old financing and accumulated charges after the old pledge is settled under the applicable branch and product process.

Sources

• Official YaPEIM Prestij calculator, reviewed August 2, 2026: displays the three inputs—gold type, weight in grams, and storage days—and the four outputs—Nilai Marhun, Nilai Pinjaman, Upah Simpan, and Jumlah Penebusan. (arrahnuyapeim.net)
• Official Ar Rahnu YaPEIM FAQ, accessed August 11, 2026: provides the Prestij margin, transaction and cumulative limits, Upah Simpan rates, product conditions, accepted purities, white-gold rules, stone-set treatment, redemption method, maturity timeline, and auction information. (arrahnuyapeim.net)
• Official Koperasi YaPEIM profile and operating information, accessed August 11, 2026: provides gold-content criteria, citizen and non-citizen pledge periods, extension process, final-notice timing, and auction conditions. (arrahnuyapeim.net)
• Official YaPEIM FAQ, accessed August 11, 2026: confirms the general Ar-Rahnu product list and the redemption description. (yapeim.my)

> Disclaimer: Calculator outputs are planning estimates. The relevant YaPEIM branch’s final valuation, accepted gold content, approved financing, product eligibility, applicable limits, Upah Simpan, transaction treatment, maturity dates, extension decision, auction process, and redemption statement control the transaction. Confirm the current terms with the relevant branch before pledging, extending, renewing, or redeeming gold.

References

• https://goldgram.my
• https://www.yapeim.my/wp-content/uploads/2026/01/YAPEIM_kenyataan-media_030126_Bantuan-Banjir-JPM-HEA-TRG.pdf