The Islamic pawn broking (Ar-Rahnu) schemes is one of the Islamic financial instruments which are good alternative to obtaining financing especially for the low-income and middle-income when they were in urgent in need of quick capital businesses and daily used. It
3.0 Industry Analysis of Poh Kong Holdings Berhad (PKHB) 3.1 Threat of New Entrants: Moderate to Low This industry requires a large amount of capital to operate the business, such as acquisition of shop lot, specialized plant and machineries to manufacture jewelries, high securities costs and so on. The inventory itself such gold and diamond is very expensive to afford compared to other industries. Besides, this industry has created a government policy's barrier by Bank Negara Malaysia (BNM) so there