Posted by Good123 > 2023-03-23 15:17 | Report Abuse

Does POS office Malaysia accept e wallet?
POS Market POS System has integrated mobile e-wallet acceptance services for local Malaysia e-Wallets and international e-Wallet partners as well. This makes send and receive cross border payments or money transfer for businesses easy and secure.

Posted by Good123 > 2023-03-23 15:17 | Report Abuse

What technology does POS Malaysia use?
Pos Malaysia will use Amazon Elastic Compute Cloud (Amazon EC2), which provides secure, resizable compute capacity in the cloud, to help scale its workloads.

Posted by Good123 > 2023-03-23 15:18 | Report Abuse

Why choose Pos Malaysia?
Pos Malaysia has the most extensive last-mile reach, delivering to more than ten million addresses across the nation. It also has a network of more than 3,500 touchpoints with presence across the country providing Malaysians the most comprehensive retail network.

Posted by Good123 > 2023-03-23 15:19 | Report Abuse

Agent Banking With POS Malaysia
General Information - (a)What is Maybank Agent Banking with POS Malaysia?
i) It is a partnership with POS Malaysia to extend our reach as well as convenience to customers.
ii) It offers specific banking activities to Maybank customers who can go to the selected POS offices instead of Maybank branches to perform the following over-the-counter transactions:

Cash Deposits
Cash Payments
Cash Withdrawals
General Information -(b) Can I open a Maybank account at POS Agent Bank?
No, those who wish to open a Maybank account must do it at a Maybank branch

General Information -(c) Can I go to all POS Malaysia outlets to conduct my Maybank
Maybank transactions can only be performed at selected 350 POS Outlets nationwide. The list of POS Outlets can be referred to Maybank2u website under "Ejen Bank" section.

General Information -(d) What are the Maybank transactions that I can do at POS Agent Bank outlets?
The transactions that are allowed are:-

Cash Deposits
Cash Payments
Cash Withdrawals
General Information -(e) Will I be charged any transaction fees if I do my Maybank transactions at POS Agent Bank outlets?
All transactions are free of charge.

General Information -(f) Will the transactions that I do at POS Agent Bank outlet be immediately reflected in my Maybank Accounts?
Yes. All transactions are performed on real-time basis.

General Information -(g) What are the operating hours where a customer can perform Maybank Transactions at POS Agent Bank outlets?
The operating hours for Maybank Transactions a POS Agent Bank are as follows:-

All states (except Kedah, Kelantan and Terengganu:

Monday to Thursday - 9.15 am to 4.30 pm
Friday - 9.15 am to 4.00 pm


Kedah, Kelantan and Terengganu:

Monday to Thursday - 9.15 am to 4.30 pm
Friday - 9.15 am to 4.00 pm
General Information -(h) Can I go to any counter at POS Agent Bank to do my Maybank Transactions?
No. You must go to the designated counters at POS Agent Bank outlets.

Deposits -(a) How much cash can I deposit every day?
Deposits are limited to:-

RM 25,000.00 for Normal Accounts per account per day.
RM 10,000.00 for External Accounts per account per day.
Deposit - (b) Can I deposit cheques in my Accounts?
No. At the moment, cheques cannot be deposited to Maybank account through POS Agent Bank.

Deposit -(c) What are the documents I need to make a deposit?
You need to fill in a Pay-in slip.
Your passbook if available.
Deposit - (d) Do I need any identification to make a deposit?
No. You don't need to produce any identification.

Payments -(a) Can I make payments on my loans at POS Agent Bank outlets?
Yes, you can make the following payment at POS Agent Bank outlets:-

Housing Loans
Term Loans
Credit Cards
Hire Purchase Loans
Payments - (b) Can I partially or fully settle my loans at POS Agent Bank outlets?
No. You can only partially or fully settle your loans at Maybank Branches.

Withdrawal -(a) How much cash withdrawals can I make at POS Agent Bank outlets?
You can withdraw up to a maximum of RM 5,000.00 per account per day at POS Agent Bank outlets.

Withdrawal -(b) What are the accounts that I can withdraw from?
You can make withdrawals from the following accounts:-

Savings Accounts i.e Normal Savings and Passbookless Savings Accounts.
Withdrawal - (c) What are the documents that I need to make a withdrawal?
A completed withdrawal form.
Produce your identification - MyKad, Police/Armed Forces ID, Passport.
Passbook - for normal Savings Account.
Maybank ATM Card - for Passbookless Savings Account.
Withdrawal -(d) Can I use my temporary MyKad or Driver's License to make my withdrawal?
No, POS Agent Bank outlets will only accept MyKad, Police/Armed Forces ID and Passport as proof of identification.

Withdrawal -(e) Can I make a cash advance from my credit card at POS Agent Bank outlets?
No. You cannot make any cash advance from your credit cards.

Withdrawal -(f) Can I encash my Cheques at POS Agent Bank outlets?

Posted by Good123 > 2023-03-23 15:24 | Report Abuse

maybank and pos malaysia already tied up


Banking Services at POS Malaysia | Maybank Malaysia
www.maybank2u.com.my › agent_banking
At POS Malaysia, you can now perform Maybank banking transactions such as withdrawals, deposits, and banking payments. We are at over 280 location.

Perkhidmatan Perbankan di POS Malaysia | Maybank ..www.maybank2u.com.my › ...
·
Anda boleh membuat transaksi perbankan seperti deposit tunai, pengeluaran tunai dan juga pembayaran di lebih 280 cawangan POS Malaysia.

Posted by Good123 > 2023-03-23 15:46 | Report Abuse

pappajack pawn shop

Market Cap

361 Million

NOSH

668 Million

Posted by Good123 > 2023-03-23 16:38 | Report Abuse

free float ~32% 67.22% top 30 shareholders

bila terbang, agak laju ......

Posted by Good123 > 2023-03-23 16:39 | Report Abuse

top 9 , pos punya shareholders... semuanya handal2 :)

No. Name of Shareholders Holdings %
1. RHB NOMINEES (TEMPATAN) SDN BHD
MALAYSIAN TRUSTEES BERHAD PLEDGED SECURITIES ACCOUNT FOR HICOM HOLDINGS
BERHAD
245,750,751 31.39
2. RHB NOMINEES (TEMPATAN) SDN BHD
MALAYSIAN TRUSTEES BERHAD PLEDGED SECURITIES ACCOUNT FOR DRB-HICOM BERHAD
172,997,399 22.10
3. KUMPULAN WANG PERSARAAN (DIPERBADANKAN) 37,172,800 4.75
4. CITIGROUP NOMINEES (TEMPATAN) SDN BHD
EMPLOYEES PROVIDENT FUND BOARD
9,523,300 1.22
5. AMSEC NOMINEES (TEMPATAN) SDN BHD
PLEDGED SECURITIES ACCOUNT FOR KOK CHIN SIANG
8,052,600 1.03
6. MAYBANK NOMINEES (ASING) SDN BHD
EXEMPT AN FOR KENSINGTON TRUST LABUAN (AMAT CLASS-H)
6,000,000 0.77
7. ALLIANCEGROUP NOMINEES (TEMPATAN) SDN BHD
PLEDGED SECURITIES ACCOUNT FOR INBAMANAY A/P M J ARUMANAYAGAM (8061712)
4,350,200 0.56
8. ALLIANCEGROUP NOMINEES (TEMPATAN) SDN BHD
PLEDGED SECURITIES ACCOUNT FOR SELINA SHARMALAR SOLOMON (8112136)
4,348,700 0.56
9. DB (MALAYSIA) NOMINEE (TEMPATAN) SENDIRIAN BERHAD
DEUTSCHE TRUSTEES MALAYSIA BERHAD FOR EATSPRING INVESTMENTS SMALL-CAP FUND
4,347,900 0.56

Posted by Good123 > 2023-03-23 16:40 | Report Abuse

sama ada offer for takeover ataupun satu Q hits breakeven or untung... terus balik RM1 pun jadi :)

Posted by Good123 > 2023-03-23 16:41 | Report Abuse

ada pawn biz islamic, tied up with maybank kendalikan akaun maybank kat cawangan pos, banyak lagi... aviation segmen e.g. cargo, dll

Posted by Good123 > 2023-03-23 16:41 | Report Abuse

institutional investors yg masih memegang syer pos tak jahil :)

Posted by Good123 > 2023-03-23 16:42 | Report Abuse

pos juga boleh berkahwin dengan gdex, grab, airasia dan banyak lagi... kalau cross border terterdekat Sing Post :)

Posted by Good123 > 2023-03-23 16:45 | Report Abuse

anak syed pun dah cabut, membuka jalan kpd banyak options

Tuesday, 29 Nov 2022
7:04PM
POS OTHERS
7:04PM
POS Resignation of SHARIFAH SOFIA BINTI SYED MOKHTAR SHAH As Director
7:03PM
POS OTHERS

Posted by Good123 > 2023-03-23 21:53 | Report Abuse

Dalam pos msia, ada islamic pawn biz macam pappajack. Ramai tak tahu.. bacalah quarterly report terkini pos

Posted by Good123 > 2023-03-23 21:54 | Report Abuse

Kenapa institutional investors masih bersama pos msia, mestillah Ada justifikasinya

Posted by Good123 > 2023-03-23 22:14 | Report Abuse

all possibilities... simpan je :)

https://www.dagangnews.com/who-will-syed-mokhtar-privatise-next-9485

Posted by Good123 > 2023-03-23 22:18 | Report Abuse

another way pos msia boleh balik RM1+++ hold your breath ya@ tak dilaksanakan, gangguan pandemik dulu


Pos Malaysia could sell Islamic pawnbroking business to ...

The Edge Markets
www.theedgemarkets.com' target='_blank'>https://www.theedgemarkets.com › article › pos-malay...
pos malaysia pawn from www.theedgemarkets.com
21 Jun 2021 — POS Malaysia Bhd is in talks to sell its Islamic pawnbroking business held under Pos Ar-Rahnu Sdn Bhd to Bank Muamalat Malaysia Bhd, ..

Posted by Good123 > 2023-03-23 22:21 | Report Abuse

accumulate more pos msia shares... anytime jadi mungkin juga IPO macam Agmo ... share diagihkan kpd semua pemegang syer pos msia macam myeg

POS Malaysia Bhd is in talks to sell its Islamic pawnbroking business held under Pos Ar-Rahnu Sdn Bhd to Bank Muamalat Malaysia Bhd, sources familiar with the matter tell The Edge.

While details are scarce, it is understood that the price tag is in the region of RM200 million.

When queried about the proposed sale, Pos Malaysia, via a spokesperson, says in an email reply, “Pos Ar-Rahnu will continue to explore business opportunities with potential partners that would create value for Pos Malaysia.”

A source says Pos Malaysia and Bank Muamalat have been treading cautiously as it is a related-party transaction.

Publicly traded Pos Malaysia is a 53.49% unit of diversified conglomerate DRB-Hicom Bhd, which controls 70% of Bank Muamalat. DRB-Hicom, in turn, is 55.92% controlled by businessman Tan Sri Syed Mokhtar Albukhary.

Syed Mokhtar’s key companies — MMC Corp Bhd, DRB-Hicom and the Tradewinds group — have been known to undertake many related-party transactions over the years, which has resulted in depressed valuations of publicly traded outfits in the group.

Financially, Pos Malaysia has been facing challenges. For its first three months of FY2021 ended March, the company suffered a net loss of RM46.78 million from RM595.28 million in revenue. In the previous corresponding period, it suffered a net loss of RM49.22 million from RM558.52 million in sales.

As at end-March this year, Pos Malaysia had deposits with licensed banks amounting to RM167.99 million and cash and bank balances of RM164.16 million. It had short-term debt commitments of RM422.46 million and long-term liabilities of RM222.38 million.

The courier and mail company’s reserves stood at RM26.33 million, down from RM72.01 million as at end-December last year.. Cash flow from operating activities was at RM19.77 million, down from RM36 million for the first three months of FY2020.

On its future prospects, Pos Malaysia says, “The challenges faced by Pos Malaysia due to the increase in Covid-19 cases and nationwide movement restrictions had affected its performance in the first quarter of this year. “The courier business was hit by temporary closures of two of its main parcel processing centres towards the end of 2020, [but] managed to successfully recapture lost ground in Q1FY21, as evident by a 9% quarter-on-quarter increase in parcels delivered. This momentum is expected to continue, which should bring a positive impact towards courier volume in the coming months.”

To put things in perspective, Pos Malaysia has suffered losses for 11 straight quarters, which could explain why it is contemplating the sale of Pos Ar-Rahnu.

A check with the Companies Commission of Malaysia shows that Pos Ar-Rahnu chalked up after-tax profits of RM6.79 million from RM29.72 million in revenue for the year ended December 2019. In FY2018, the Islamic pawnbroking company reported after-tax profits of RM12.51 million from RM42.18 million in sales.

As at end-December 2019, Pos Ar-Rahnu had total assets of RM352.28 million and total liabilities amounting to RM226.48 million. It had retained earnings of RM8.13 million.

In a nutshell, Pos Ar-Rahnu’s appeal is that it enables a borrower to get up to 75% margin of financing on the pawned items, and offers up to RM250,000 per borrower.

Other than Islamic pawnbroking, the company is also involved in selling gold bars, buying used gold, and other ancillary services such as storage and cleaning of gold. Pos Ar-Rahnu operates in 80 of Pos Malaysia’s branches across the country.

Bank Muamalat, meanwhile, has its roots in the merger of Bank of Commerce and Bank Bumiputra in 1999, which created Bumiputra-Commerce Bank, or BCB, which went on to become CIMB, the second largest banking group in the country. The merger of 1999 also resulted in the sale of 70% of Bank Muamalat to Khazanah Nasional Bhd for RM93 million. Bukhary Capital, the private vehicle of Syed Mokhtar, acquired 30% in Bank Muamalat in 2003 for RM155 million.

Bukhary Capital eventually increased its stake in Bank Muamalat to 70% but, in 2008, sold its entire stake to DRB-Hicom for RM1.07 billion. Khazanah still retains 30% in Bank Muamalat.

In the 2008 sale by Bukhary Capital to DRB-Hicom, a condition imposed by Bank Negara was for the conglomerate to eventually reduce its stake to 40%, which has not been met after more than 12 years, with the central bank giving several extensions.

While there have been several attempts by DRB-Hicom to merge Bank Muamalat or sell a strategic stake in or list it, all plans thus far have fallen through.

Pos Malaysia closed last Friday at RM83.5sen, translating into a market capitalisation of RM654 million. DRB-Hicom, meanwhile, ended trading at RM1.81, giving it a market value of RM3.5 billion.

Posted by Good123 > 2023-03-23 22:34 | Report Abuse

cash from operations RM40mil++

Add back banyak non cash items... terbaiklah

POS MALAYSIA BERHAD
(Registration No. 199101019653 (229990-M))
(Incorporated in Malaysia)
6
CONDENSED CONSOLIDATED STATEMENT OF CASH FLOWS
12 Months Ended
31.12.2022
12 Months Ended
31.12.2021
RM’000 RM’000
CASH FLOWS FROM OPERATING ACTIVITIES

Loss before tax for the financial year (169,788) (331,413)
Adjustments:
- Depreciation of property, plant and equipment 123,332 140,514
- Depreciation of right-of-use assets 76,503 96,238
- Amortisation of intangible assets 2,652 5,126
- Amortisation of government grant (1,510) (2,541)
- Change in fair value of investment properties 360 (1,760)
- Net fair value gain of other investments:
Financial assets at fair value through profit or loss (565) (1,150)
- Finance costs 29,168 25,047
- Interest on lease liabilities 8,050 19,982
- Derecognition of right-of-use assets (128) (2,174)
- Finance income (1,725) (2,119)
- Unrealised foreign exchange differences 2,910 5,493
- Net (reversal)/loss on impairment of receivables (12,143) 10,789
- Loss/(Gain) on disposal of property, plant and equipment 88 (377)
- Impairment loss on
- Property, plant and equipment 39,953 53,141
- Right-of-use assets - 1,751
- Intangible assets - 11,553
- Property, plant and equipment written off 414 524
- Inventories (written back)/written down (2,013) 1,185
- Zakat 1,021 858
- Share of result of an equity accounted associate, net of tax 556 (3,336)
- Others 206 77
Operating profit before changes in working capital 97,341 27,408
Changes in working capital:
Change in current assets 104,192 55,092
Change in current liabilities (155,433) (14,675)
Cash from operations 46,100 67,825
Tax paid (11,281) (17,826)
Tax refund 14,507 7,524
Interest paid (8,050) (19,982)
Zakat paid (674) (1,002)
Defined benefits paid (182) (201)
Net cash from operating activities 40,420 36,338

Posted by Good123 > 2023-03-23 22:36 | Report Abuse

Aviation
Aviation segment contributed higher revenue of RM254.9 million and turnaround
to profit before tax of RM5.3 million mainly due to opening of borders with
increased number of flights resulting in higher cargo tonnage handled and
increased ground handling revenue during the year. In addition, higher number
of meals uplifted for commercial and umrah related flights has contributed
significantly to the in-flight catering business revenue.

Other segment which consists mainly of printing and insertion, digital certificates
and Ar-Rahnu, registered RM132.1 million revenue during the year, an increase
of 18% compared to last year mainly contributed by Ar-Rahnu.
Profit before tax was mainly from Ar-Rahnu and digital certificates businesses. ~RM28mil net profit

Posted by Good123 > 2023-03-23 22:36 | Report Abuse

FUTURE PROSPECTS
Pos Malaysia Berhad continued to make solid progress with its transformation plan even in a
weakening macroeconomic environment. The Group was able to maximise its yields and
efficiently utilize its assets.
Pos Malaysia’s business is cyclical and broadly follows economic trends. The year 2022 was a
year marked out by extraordinary challenges including economic uncertainty and high inflation,
resulting in reduced consumer spending. That along with accelerated insourcing of parcels from
the larger ‘platform’ sellers, use of ‘masking’ and heightened competitor activity, have all
resulted in a very challenging environment.
The ongoing challenges require continued structural changes. We will continue to focus on our
transformation, adjusting the business model and capacity, and tackling our unprofitable
segments. Our operations are characterized by high fixed costs, which makes it challenging to
quickly adapt capacity to changing volume trends.
We remain dedicated to the multi-pronged transformation plan of 1) improving financial
performance, 2) transforming the core business and culture, 3) optimising for margin-led
initiatives, 4) maintaining strict cost control, and 5) promoting sustainability guided by our ESG
roadmap.
Despite the challenges, we remain cautiously optimistic that the Group will deliver improved
results in 2023.

Posted by Good123 > 2023-03-23 22:37 | Report Abuse

terbaiklah

We remain dedicated to the multi-pronged transformation plan of 1) improving financial
performance, 2) transforming the core business and culture, 3) optimising for margin-led
initiatives, 4) maintaining strict cost control, and 5) promoting sustainability guided by our ESG
roadmap.
Despite the challenges, we remain cautiously optimistic that the Group will deliver improved
results in 2023.

Posted by Good123 > 2023-03-23 23:02 | Report Abuse

Market Cap- Pappajack

RM354 Million

NOSH

668 Million

POS punya islamic pawn biz lagi berharga kini

Posted by Good123 > 2023-03-23 23:20 | Report Abuse

Examining The Factors That Influence Customer’s
Intention To Use Ar-Rahnu At Post Office:
A Case Study In Kedah
Examining the factors that influence customers’ intention to use Ar-Rahnu at
post office: A case study of Kedah
Nadiah Nabilah Binti Baharum1
Selamah Maamor2
Azizah Othman3
Abstract
One of the familiar Islamic banking and finance products used for short-term
collateralized borrowing is Islamic pawn broking or also known as ar-rahnuin
Malaysia. The rapid growth of ar-rahnu in term of profit and beneficial to
customer attract many organizations to offer this kind of product as an alternative
to conventional pawnshop. In 2013, Pos Malaysia Berhad as one of the famous
premier postal service providers in Malaysia offered ar-rahnu which called Ar-
Rahnu@ POS. Since ar-rahnu is a new product that offered by an organization
that is not familiar with Islamic finance product, therefore, this study aims to
inspect the customer’s intention to use Ar-Ar-Rahnu @ POS. This study based on
survey conducted at Post Office in the state of Kedah. A survey comprised of 200
respondents was carried out. A structured question was designed where the data was
analyzed by correlation Pearson and multi regression analysis. Results show that
customer service is the most influential variable on customer’s intention to use Ar-
Rahnu @ POS while syariah view, attitude and pricing give a moderate impact. It is
recommended that Post Office should do aggressive promotion, improve customer
service, make clear and transparent transaction that based on Islamic principle and
offer different and attractive package in order to attract new customer.
Keywords: Al-Rahnu, KoperasiUkhwah Malaysia Berhad, Cooperative, Islamic
Finance
1. Islamic Business School, Universiti Utara Malaysia, Malaysia
2. Islamic Business School, Universiti Utara Malaysia (UUM), Malaysia
3. Islamic Business Schoo, Universiti Utara Malaysia (UUM), Malaysia

Posted by Good123 > 2023-03-23 23:22 | Report Abuse

ABSTRACT
Nowadays, the cost of living is increasing and most of the banking system has a strict
procedure of financing. Both of these factors lead to the introduction of Ar-Rahnu in
the financing field in Malaysia as one of the alternative ways for lower income group
to borrow money quickly and easily without bear any higher cost of profit rate. This
study aims to inspect the customer’s intention to use Ar-Rahnu @ POS in the state of
Kedah since it is a new service provided by Malaysia Post Office. A survey
comprised of 200 respondents was carried out. In addition, the use of syariah view,
attitude, pricing and customer service as the factors will helps the researcher to find
out the most factors that influence factor customer’s intention to use Ar-Rahnu @
POS. A structured question was designed where the data was analyzed by using t-
test, ANOVA, correlation and multi regression analysis. Results show that syariah
view, attitude, pricing and customer service are significantly important determinants
to predict customer’s intention to use Ar-Rahnu @ POS. The result from multiple
regression shows that the most influencing factor is a customer service.
Recommendation for the future research is security and confidentiality can be used
as one of the determinants to predict customer’s intention to use Ar-Rahnu @ POS.
In conclusion, this study is useful for the Post Office to planning better Ar-Rahnu
service for their customers in order to attract more customers to use their service.

Keywords: Ar-Rahnu @ POS, syariah view, attitude, pricing, customer service,
intention to use

Posted by Good123 > 2023-03-24 06:38 | Report Abuse

KUALA LUMPUR (March 9): Pos Malaysia Bhd has launched its Sustainability Roadmap, which targets a 30% reduction in Scope 1 and Scope 2 emissions by 2025, and is committed to net zero carbon emissions for its operations by 2050.

Pos Malaysia delivers to more than 11 million addresses, has more than 7,400 vehicles and one of Malaysia’s largest real estate portfolios, it said in a statement.

The group is already using electric bikes across Kuala Lumpur, with plans to have 200 of them in operation by the third quarter of 2023. By 2025, 28% of the entire fleet will be electric, and 100% by 2030, it said.

It already has three facilities with solar panels generating an estimated three million kWh of electricity annually capable of powering 282 homes a year.

“Apart from its carbon emissions reduction commitment, Pos Malaysia is also looking to recycle 50% of operational waste by leveraging technology and reducing overall waste generation.

“We aim to play a part in the circular economy by increasing renewable and recyclable inputs for all packaging products to 80%, and migrating 50% of staff training to a digital platform,” it said.

Communications and Digital Minister Fahmi Fadzil, who launched the road map, said that “sustainable development has become an essential element of postal operations due to environmental concerns”.

“Hence, it is encouraging to see that Pos Malaysia, an organisation under the purview of the Ministry of Communications and Digital, is cementing its commitment with the Sustainability Roadmap to achieve its decarbonising targets,” Fahmi said.

Pos Malaysia group chief executive officer Charles Brewer said the mail and parcel services provider’s climate commitments address its operations “from all angles”.

“We will transform our fleet to electric, retrofit our buildings, source renewable energy, and educate our fantastic employees on how to be better.

“We will collaborate with our suppliers, customers and partners to meet our science-based targets, while encouraging all [in] our Pos Malaysia team to reduce emissions and take action,” Brewer said.

Pos Malaysia’s sustainability road map is in line with the country’s target to be carbon-neutral by 2050. The nation is a signatory to the Paris Agreement with the ambition of reducing greenhouse gas emissions intensity by 45% against its gross domestic product by 2030.

Shares in Pos Malaysia traded unchanged at 57 sen on Thursday (March 9), giving the group a market capitalisation of RM461.83 million.

Posted by Good123 > 2023-03-24 08:10 | Report Abuse

Baguslah jimatkan duit pos Malaysia


Save Print Back

4634 POS POS MALAYSIA BHD
Change in Audit Committee
Date of Change: 01/10/2022
Type of Change: Resignation
Designation: Others
Directorate: Ind & N/Exec
Name: PUTEH RUKIAH ABD MAJID
Age: 69
Country:
Nationality: Malaysia
Qualifications:
Working Experience and Occupation:
Directorship of public companies (if any):
Family relationship with any director and/or major shareholder of the listed issuer:
Details of any interest in the securities of the listed issuer or its subsidiaries:
Composition of Audit Committee After Change:
1. Ahmed Fairuz Abdul Aziz (Chairman, Independent and Non-Executive
Director)2. Dato' Jezilee Mohamad Ramli (Member, Non-Independent and
Non-Executive Director) 3. Dato' Dr. Mohd Ali Mohamad Nor (Member, Independent
and Non-Executive Director)
Remarks:
Datuk Puteh Rukiah Abd Majid will cease as a Member of the Board Audit
Committee ("BAC") following her resignation as the Independent Non-Executive
Director of the Company to be effective on 1 October 2022.On 30 September 2022,
the Board of Directors of the Company has approved the appointment of Dato' Dr.
Mohd Ali Mohamad Nor as a Member of the BAC to be effective on 1 October 2022.
You are advised to read the entire contents of the announcement or attachment.
To read the entire contents of the announcement or attachment, please access
the Bursa website at http://www.bursamalaysia.com
Submitted By:

30/09/2022 07:00 AM


Ref Code: 202209305000277

Posted by Good123 > 2023-03-24 08:42 | Report Abuse

Valuation bagi islamic pawn biz pos Malaysia dikatakan ~rm200juta dalam 2021.. kini dah double or triple lihatlah valuation papajack pawn biz punya share valuation 2022

Ramai dah p0kai, pawn biz is flourishing

Pos is greatly undervalued kini

Posted by Good123 > 2023-03-24 09:16 | Report Abuse

kian bernilai pawn biz pos msia.... launch franchising biz model untuknya... ramai p@kai.. cool lah, pos msia... cash cow bagi pos msia kini

Pos Malaysia could sell Islamic pawnbroking business to ...

The Edge Markets

pos malaysia pawn from www.theedgemarkets.com
21 Jun 2021 — POS Malaysia Bhd is in talks to sell its Islamic pawnbroking business held under Pos Ar-Rahnu Sdn Bhd to Bank Muamalat Malaysia Bhd, ..

Posted by Good123 > 2023-03-24 09:18 | Report Abuse

tough times, pawn biz macam POS Ar Rahnu terbaik selain makanan

Posted by Good123 > 2023-03-24 09:26 | Report Abuse

pawn biz pos dah melebihi market cap pos kini probably

Share Issued782.776m Market Cap RM430.527m@55sen per syer kini

The Borneo Post
https://www.theborneopost.com › Features
23 Apr 2021 — Pos ArRahnu is currently operating at 80 Pos Malaysia's branches nationwide. Pawn your gold at Pos ArRahnu and stand to win up to RM300,000! Pos .

Posted by Good123 > 2023-03-24 09:38 | Report Abuse

ut 427,000 results (0.40 seconds)

Global Postal Services Market

The Business Research Company
https://www.thebusinessresearchcompany.com › report
The market is then expected to recover and grow at a CAGR of 1.60% from 2021 and reach $200,766.9 million in 2023. The market is expected to reach $205,724.9 ...
US$2,680.00

Posts see continued post-Covid-19 growth, IPC finds

Parcel and Postal Technology International
https://www.parcelandpostaltechnologyinternational.com › ...
12 Dec 2022 — The report revealed that as business, retail and hospitality sectors reopened in 2021, posts saw a partial bounce back in mail demand that ...

Posted by Good123 > 2023-03-24 09:40 | Report Abuse

Pos Ar-Rahnu dibuka setiap hari... - Harga Emas Malaysia

Facebook
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pos ar rahnu from www.facebook.com
Pos Ar-Rahnu dibuka setiap hari untuk gadaian/tebusan emas sepanjang tempoh PKP fasa 3 ini. Jam 8.00 pagi hingga 2.30 petang (Office Hour day).

Harga Emas Malaysia - Pos Ar-Rahnu dibuka setiap hari ...
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Pos Ar-Rahnu dibuka setiap hari untuk gadaian/tebusan emas sepanjang tempoh PKP fasa 3 ini Jam 8.00 pagi hingga 2.30 petang (Office Hour day) via...

Dapat ganjaran lumayan jika cagar emas di Pos ArRahnu

sinarharian.com.my
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30 Apr 2021 — Dalam situasi ekonomi yang boleh dianggap masih bertatih selepas dunia dilanda pandemik Covid-19, ramai yang terkesan dari segi kewangan ...

Posted by Good123 > 2023-03-24 10:24 | Report Abuse

Dah hijau 56sen... Baru mau start :)

Posted by Good123 > 2023-03-24 10:25 | Report Abuse

Pelabur yg nampak nilai/potensinya akan beli

Posted by Good123 > 2023-03-24 10:26 | Report Abuse

Jualbeli dalam kalangan retailers.... Institutional investors pegang syer

Posted by Good123 > 2023-03-24 11:43 | Report Abuse

Pos punya pawn biz lagi berharga, shariah compliant:)


A common misconception people have about the pawnbroking business is that it performs well during tough times and badly during good times. But Pappajack Holdings Bhd group managing director and CEO Lim Boon Hua tells The Edge that the group, which offers pawnbroking services, does well in good times too.

“Our financial results were good in 2020 because of the injection of shareholders’ funds in 2019. Then, in 2021, revenue fell as borrowers received cash aid such as the Bantuan Prihatin Nasional from the government as well as the special one-off Employees Provident Fund (EPF) withdrawals, which boosted the market with cash flow.

“We believe the outlook for 2023 and 2024 will be good because MSMEs (micro, small and medium enterprises) are growing their businesses now that the economy has ­reopened. The pawnbroking business does well during both tough times (as people need cash to survive) and good times (as owners of MSMEs need cash to grow their businesses),” he explains.

Recall that long lines were seen at pawn shops when Covid-19 restrictions were eased at the end of the first Movement Control Order in 2020. Lim explains that this was because borrowers were queuing to redeem their pledges, service their loans or pawn items as pawnbrokers were closed during the first MCO.

With higher interest rates and government aid or EPF withdrawals spent, Pappajack also saw a pickup in its business.



While there may be negative connotations associated with pawnbroking services, Pappajack sees itself as being in a unique position given its corporate structure. Furthermore, its flotation exercise last year has raised its profile while lending credibility to the money lender.

Pappajack, which debuted on the ACE Market of Bursa Malaysia last April, is the first — and only — licensed pawnbroking group on the bourse.

With an initial public offering price of 30 sen per share, the exercise raised RM50.1 million, of which RM27.08 million was allocated as capital for Pappajack’s then 20 pawnbroking outlets, RM19.22 million on funding the expansion of pawnbroking outlets and the remaining RM3.8 million, for listing expenses.

It now has 30 pawnbroking outlets — all in Peninsular Malaysia. Each outlet operates as a subsidiary with its own pawnbroking licence from the Ministry of Local Government Development (KPKT).

Pappajack’s pawn shops, most of which are situated next to banks for visibility and accessibility, accept gold and luxury watches as pledges, offering up to 90% and 80% of the spot value for the respective items.

Each pawn ticket is valid for six months, and expired tickets can be renewed. Customers who can only serve the interest amount (repawn) do not pay the principal sum and are issued a ticket for another six months.

“We offer up to RM10,000 per ticket, with the average ticket valued at between RM2,000 and RM3,000. The pledges of customers who don’t return upon the expiry of the ticket or who don’t have any extensions to redeem or repawn are then auctioned publicly. We will bid for the items and sell them to gold bullion companies. This is how we recoup cash from defaults, therefore our risk is quite low. Up to 99% of our portfolio comprises gold jewellery, with watches making up the balance,” says Lim.

Posted by Good123 > 2023-03-24 11:45 | Report Abuse

Pos Ar-Rahnu- biz pajak patuh Shari'a..... Pappajack pun kalah...

The jewel of pos kini.... Accumulate n hold

Posted by Good123 > 2023-03-24 11:47 | Report Abuse

Ramai p0kai, biz pajak msia kian bertumbuh

Posted by Good123 > 2023-03-24 11:49 | Report Abuse

Tunggu penganalisa bertauliah rerate pos... Kian menarik

Posted by Good123 > 2023-03-24 12:59 | Report Abuse

Pos Malaysia should list its pawn biz like papajack founder, get rm300 to 400 mil or higher... Shares bagi balik pemegang syer pos macam myeg bagi balik syer agmo selepas IPO

Posted by Good123 > 2023-03-24 13:00 | Report Abuse

Pawn biz of pos msia is scalable... Pos can its biz model to enter Indonesia, etc

Posted by Good123 > 2023-03-24 15:06 | Report Abuse

Pajak biz setiap outlet ada, pos boleh turnaround this year dah

Posted by Good123 > 2023-03-24 15:07 | Report Abuse

Dah untung berpuluh-puluh juta dari biz pajak islam .. replicate ke seluruh negara ,own pos outlet or franchise/licensing, huatlah

Posted by Good123 > 2023-03-24 15:16 | Report Abuse

Ipo macam agmo lagi best, usah jual :)

Pos Malaysia could sell Islamic pawnbroking business to Bank ...
21 Jun 2021 — POS Malaysia Bhd is in talks to sell its Islamic pawnbroking business held under Pos Ar-Rahnu Sdn Bhd to Bank Muamalat Malaysia Bhd, ...

Bank Muamalat Malaysia Berhad
https://www.muamalat.com.my › ar...
Ar Rahnu, Islamic Pawn Broking (Tawarruq)
Ar Rahnu, Islamic Pawn Broking (Tawarruq) ; 1, 750, 237.67 ; 2, 835, 264.60 ; 3, 875, 277.28 ; 4, 916, 290.27

Posted by Good123 > 2023-03-24 15:18 | Report Abuse

Ipo for pawn biz. Expand it to become market leader several times bigger than pappajack

Posted by Good123 > 2023-03-24 15:19 | Report Abuse

Pos msia ada banyak outlet , add islamic pawn biz, pasti in the black

Posted by Good123 > 2023-03-24 15:20 | Report Abuse

A blessing in disguise bagi pos dengan outlet yg banyak... Number 1 islamic pawn biz in the making

Posted by Good123 > 2023-03-24 15:21 | Report Abuse

Tempat takda outlet pos, franchise/licensing bagi islamic pawn biz ... Potensi tak terhingga

Posted by Good123 > 2023-03-24 15:22 | Report Abuse

Hargasyer pappajack pawn biz naik berterusan