The Ar-Rahnu Scheme has become a very important micro-credit mechanism nowadays for the low-income group to meet their immediate needs for the success of economic and business projects as well as the educational needs of their children. Subsequently, it also fills the gap in terms of financial services and becomes the most important alternative as an Islamic financial instrument in pawnbroker-related transactions. It also helps address the issues of the conventional pawn system charging high and onerous interest rates, as well as eliminating and reducing informal financial services by illegal ceti and 'along' issues that are illegal and not in line with moral requirements. The implementation of the Ar Rahnu scheme at Bank Rakyat is seen as achieving its objective, which is to provide convenience to the public to obtain cash loans promptly through a fair and transparent system. At the same time, this scheme has succeeded in becoming an alternative for Muslims, especially Malays, to deal with pawnbrokers in an Islamic manner that is free from the practice of usury.