"Pos Malaysia cannot fail" can be interpreted in a few ways, depending on the context. Here are some possible explanations:
1. **Strategic Importance**: Pos Malaysia, being the national postal service of Malaysia, holds significant importance in ensuring communication and commerce. Its failure could disrupt essential services and economic activities.
2. **Public Trust**: As a longstanding institution, Pos Malaysia likely enjoys a high level of public trust. Failure could lead to a loss of confidence in national services.
3. **Government Support**: The government may consider Pos Malaysia too important to fail and might provide financial or structural support to ensure its continuity.
4. **Market Position**: Pos Malaysia might have a dominant market position in postal and logistics services, making its failure unlikely due to the lack of immediate competitors that can match its scale.
Pos Malaysia, as the national postal service of Malaysia, plays a crucial role in the country's communication and logistics infrastructure. Its failure would have significant implications for the economy, communication, and daily life of Malaysians. Here are a few reasons why Pos Malaysia cannot afford to fail:
1. **Communication Infrastructure**: Pos Malaysia provides essential services for personal and business communication. Many rural and remote areas rely on postal services for letters, bills, and other essential documents.
2. **E-commerce and Logistics**: With the rise of e-commerce, Pos Malaysia has become integral in delivering packages and goods across the country. Its network supports both local businesses and consumers by ensuring timely and reliable delivery.
3. **Government Services**: Pos Malaysia handles various government-related services, including the distribution of official documents, licenses, and notices. Its role is vital in maintaining the efficiency and accessibility of government operations.
4. **Employment**: As a major employer in the country, Pos Malaysia provides jobs to thousands of Malaysians. Its stability is crucial for the livelihood of many families and the overall employment rate.
5. **National Identity**: Pos Malaysia is more than just a service provider; it is a part of the national identity and heritage. Its presence and operations are symbols of connectivity and unity within Malaysia.
6. **Financial Services**: Pos Malaysia also offers financial services like bill payments, money transfers, and insurance. These services are especially important in areas with limited access to banking facilities.
In summary, Pos Malaysia's failure would disrupt communication, commerce, and government operations, affecting the daily lives of Malaysians. Ensuring its stability and efficiency is paramount for the country's continued growth and development.
Pos malaysia could spin off this biz as many dah p0kai post-pandemic, unlimited biz potential yah :)
Pos Malaysia operates an Islamic pawn business, known as "Ar-Rahnu." Ar-Rahnu is a Shariah-compliant pawn broking service that provides short-term financing to individuals by allowing them to use their valuable items, usually gold or jewelry, as collateral. Here’s a detailed overview of how Pos Malaysia runs its Islamic pawn business:
### Features of Pos Malaysia's Islamic Pawn Business (Ar-Rahnu)
1. **Shariah Compliance**: Ar-Rahnu adheres to Islamic principles, avoiding interest (riba) and ensuring all transactions are fair and transparent. Instead of charging interest, a safe-keeping fee (upah simpan) is applied.
2. **Collateral**: Customers bring in gold, jewelry, or other valuable items. These items are appraised to determine their market value.
3. **Loan Amount**: Based on the appraised value of the collateral, a loan amount is offered. Typically, the loan amount is a percentage of the item’s value, often up to 70-80%.
4. **Loan Tenure**: The loan period usually ranges from 6 months to a year, with the possibility of renewal or extension depending on the terms and conditions.
5. **Safe-Keeping Fee**: Instead of interest, a safe-keeping fee is charged for the storage and security of the pawned items. This fee is in line with Islamic principles.
6. **Non-repayment**: If the borrower cannot repay the loan within the agreed period, the pawned item is sold. Any surplus from the sale, after deducting the loan amount and safe-keeping fees, is returned to the borrower.
7. **Transparency and Fairness**: All transactions are conducted with transparency to ensure fairness and trust. Customers are fully informed about the terms and conditions of the loan and the fees involved.
### Benefits of Ar-Rahnu by Pos Malaysia
1. **Accessible Financing**: Provides a quick and accessible source of funds for individuals, especially those who may not have access to conventional banking services.
2. **Ethical Financing**: Offers an ethical alternative to conventional pawn broking, aligning with the values and beliefs of Muslim customers.
3. **Community Support**: By providing Shariah-compliant financial services, Pos Malaysia supports the local community and promotes financial inclusion.
4. **Security and Trust**: With Pos Malaysia’s reputation and extensive network, customers can trust that their valuables are stored securely and that the transactions are conducted ethically.
5. **Economic Aid**: Helps individuals manage their short-term financial needs without falling into the trap of high-interest debt.
### Challenges and Considerations
1. **Valuation Accuracy**: Accurate and fair valuation of the collateral is crucial to maintain trust and compliance with Islamic principles.
2. **Regulatory Compliance**: Ensuring that all operations comply with both Islamic law and local regulations.
3. **Public Awareness**: Educating the public about the benefits and operations of Ar-Rahnu to increase participation and trust in the service.
4. **Operational Efficiency**: Managing the logistics of appraising, storing, and potentially selling items requires efficient processes and systems.
Pos Malaysia’s Islamic pawn business (Ar-Rahnu) is a valuable service that provides ethical, accessible, and Shariah-compliant financial solutions to the Malaysian public. It combines traditional pawn broking with Islamic financial principles, offering a trusted and beneficial service to those in need of short-term financing.
Ar-Rahnu has proven to be a significant revenue generator, or "cash cow," for Pos Malaysia due to several factors. Here’s why Ar-Rahnu is highly profitable and its potential for further growth:
### Why Ar-Rahnu is a Cash Cow for Pos Malaysia
1. **High Demand for Shariah-Compliant Financial Services**: - **Cultural and Religious Alignment**: The demand for Shariah-compliant financial products is high in Malaysia, where a significant portion of the population practices Islam. Ar-Rahnu meets this demand by offering interest-free loans in compliance with Islamic principles. - **Trust and Acceptance**: Pos Malaysia's reputation and extensive network make Ar-Rahnu a trusted choice for customers seeking ethical financial services.
2. **Steady Income from Safe-Keeping Fees**: - **Consistent Revenue Stream**: Unlike traditional interest-based loans, Ar-Rahnu generates steady income through safe-keeping fees. These fees are charged for the secure storage of pawned items and are relatively stable over time.
3. **Low Default Risk**: - **Collateral-Based Loans**: Ar-Rahnu loans are secured by valuable collateral, such as gold and jewelry. This reduces the risk of default since the collateral can be sold to recover the loan amount if the borrower fails to repay.
4. **Operational Efficiency**: - **Existing Infrastructure**: Pos Malaysia leverages its existing infrastructure, including branches and logistics, to operate Ar-Rahnu efficiently. This reduces overhead costs and increases profitability. - **Technology Integration**: The use of technology for appraisals, record-keeping, and customer service enhances operational efficiency and customer experience.
5. **Market Penetration**: - **Wide Reach**: With its extensive network of branches, Pos Malaysia can offer Ar-Rahnu services in urban and rural areas, tapping into a broad customer base.
### Potentials of Ar-Rahnu for Pos Malaysia
1. **Expansion of Services**: - **Diversified Offerings**: Pos Malaysia can expand its range of Shariah-compliant financial products, such as microfinance and savings schemes, to attract a wider customer base. - **Digital Services**: Developing online platforms for Ar-Rahnu services can increase accessibility and convenience, attracting tech-savvy customers.
2. **Market Growth**: - **Rising Demand**: The demand for ethical and Shariah-compliant financial services is expected to grow, both domestically and internationally, providing opportunities for Pos Malaysia to expand its market share. - **Economic Stability**: As the economy grows, the need for quick and reliable financing options like Ar-Rahnu is likely to increase, further driving demand.
3. **Strategic Partnerships**: - **Collaborations with Islamic Banks**: Partnering with Islamic banks and financial institutions can enhance service offerings and reach. - **Corporate Partnerships**: Collaborations with businesses can provide employees with convenient access to Ar-Rahnu services, boosting customer numbers.
4. **Enhanced Customer Experience**: - **Customer Loyalty Programs**: Introducing loyalty programs and benefits for repeat customers can enhance customer retention and satisfaction. - **Financial Education**: Offering financial literacy programs can attract more customers by educating them about the benefits of Shariah-compliant financing.
5. **Community Impact**: - **Supporting Small Businesses**: Ar-Rahnu can play a crucial role in supporting small businesses and entrepreneurs by providing accessible financing options. - **Economic Inclusion**: By offering financial services to underserved communities, Pos Malaysia can promote economic inclusion and development.
In summary, Ar-Rahnu is a cash cow for Pos Malaysia due to its high demand, steady income from safe-keeping fees, low default risk, and operational efficiency. Its potential for further growth lies in service expansion, market growth, strategic partnerships, enhanced customer experience, and positive community impact. By capitalizing on these potentials, Pos Malaysia can continue to strengthen its position in the financial services market.
Percaya atau tidak Pos Malaysia bukan sekadar tempat kita beli Setem atau bayar bil-bil semasa.Ini memberi faedah kepada penggemar-penggemar Pajak Gadai Islam Ar-Rahnu.Walaubagaimana pun sebelum membuat sesuatu persiapkan diri kita dengan ILMU Ar-Rahnu ini.Jangan Tergadai semua nanti.
aksesori barang kemas di shopee KIRA VALUE EMAS KALKULATOR EMAS, AR-RAHNU, PAJAK GADAI
Setelah Agro Bank memperketatkan untuk Pajak Gadai mereka, semakin banyak alternatif yang boleh digunakan oleh penyimpan-penyimpan emas ini.Lepas ini sambil bayar bil bolehlah bawa barang kemas sekali.
Pos Malaysia Berhad ( Pos Malaysia ) dan Bank Muamalat Malaysia Berhad memeterai perjanjian bagi membentuk kerjasama strategik dalam menawarkan perniagaan Pajak Gadai Islam ( Ar-Rahnu ) kepada orang ramai di cawangan Pos Malaysia terpilih.
Comparing Papajacks and Ar-Rahnu by Pos Malaysia involves evaluating two different business models within the pawn broking industry in Malaysia. Here’s a detailed comparison focusing on their respective features, operations, and potential benefits:
### Papajacks
**Overview**: Papajacks is a conventional pawnshop chain in Malaysia, offering traditional pawn broking services.
**Features and Operations**: 1. **Loan Services**: Provides short-term loans to customers using personal items, such as jewelry and electronics, as collateral. 2. **Interest Rates**: Charges interest on the loans provided, which is a typical feature of conventional pawnshops. 3. **Loan Tenure**: Usually offers loan periods ranging from one to several months, with the possibility of extension. 4. **Retail Sales**: Sells unclaimed items through its retail outlets, generating additional revenue. 5. **Customer Base**: Serves a broad range of customers, focusing on those needing quick cash access without the constraints of credit checks.
**Advantages**: 1. **Quick Cash Access**: Provides immediate financial relief for customers in need. 2. **Wide Range of Accepted Items**: Accepts a variety of items as collateral, providing flexibility to customers. 3. **Established Presence**: As a well-known pawnshop chain, it has a significant market presence and customer trust.
**Challenges**: 1. **Interest Rates**: Interest-based loans may not appeal to customers seeking Shariah-compliant services. 2. **Perception Issues**: Conventional pawnshops sometimes face negative perceptions regarding high interest rates and the risk of losing collateral.
### Ar-Rahnu by Pos Malaysia
**Overview**: Ar-Rahnu is an Islamic pawn broking service operated by Pos Malaysia, providing Shariah-compliant financial solutions.
**Features and Operations**: 1. **Shariah Compliance**: Adheres to Islamic principles, offering interest-free loans and charging a safe-keeping fee instead. 2. **Collateral**: Primarily accepts gold and jewelry as collateral. 3. **Loan Amount**: Offers loans based on a percentage of the collateral’s appraised value, typically up to 70-80%. 4. **Loan Tenure**: Loan periods usually range from 6 months to a year, with options for renewal. 5. **Transparency and Fairness**: Ensures all transactions are transparent and fair, building customer trust.
**Advantages**: 1. **Ethical Financing**: Appeals to customers seeking Shariah-compliant financial products. 2. **Steady Revenue from Safe-Keeping Fees**: Generates consistent income through fees rather than interest. 3. **Low Default Risk**: Secured by valuable collateral, reducing the risk of default. 4. **Trust and Accessibility**: Pos Malaysia’s reputation and extensive network enhance customer trust and accessibility.
**Challenges**: 1. **Limited Collateral Types**: Primarily accepts gold and jewelry, which may limit some customers. 2. **Regulatory Compliance**: Must adhere to both Islamic law and local regulations, which can be complex.
### Comparative Analysis
**Customer Base**: - **Papajacks**: Attracts a broader customer base, including those who do not require Shariah-compliant services. - **Ar-Rahnu**: Specifically appeals to Muslim customers and those seeking ethical financing.
**Revenue Model**: - **Papajacks**: Generates revenue through interest on loans and retail sales of unclaimed items. - **Ar-Rahnu**: Earns through safe-keeping fees, aligning with Islamic principles.
**Market Perception**: - **Papajacks**: May face perception challenges due to the interest-based model. - **Ar-Rahnu**: Viewed positively within communities seeking ethical and Shariah-compliant options.
**Operational Efficiency**: - **Papajacks**: Benefits from an established presence and operational experience in the conventional pawnshop market. - **Ar-Rahnu**: Leverages Pos Malaysia’s infrastructure and reputation for efficient service delivery.
**Growth Potential**: - **Papajacks**: Can expand by diversifying the types of collateral accepted and enhancing retail operations. - **Ar-Rahnu**: Has significant growth potential by expanding Shariah-compliant offerings and enhancing digital services.
### Conclusion
Both Papajacks and Ar-Rahnu by Pos Malaysia serve important roles in the financial landscape of Malaysia. Papajacks provides traditional pawn broking services with a broad appeal, while Ar-Rahnu offers a Shariah-compliant alternative that meets the needs of Muslim customers and those seeking ethical financial solutions. Each has its unique strengths and challenges, and their success depends on how well they can address customer needs and adapt to market changes.
ramai tak sedar pos msia ada banyak outlet pawning biz, boleh IPO anytime lagi.
As of 2024, Pos Malaysia operates Ar-Rahnu services in over 700 outlets nationwide. This extensive network allows Pos Malaysia to provide Shariah-compliant pawn broking services throughout the country, including in both urban and rural areas (Post & Parcel) (MarketScreener) (The Star).
Ar-Rahnu by Pos Malaysia has become an integral part of the company's diversification strategy, providing financial solutions that align with Islamic principles. This service allows customers to secure short-term loans using gold and jewelry as collateral, with the loans being interest-free and instead incurring a safe-keeping fee. This approach appeals particularly to customers seeking ethical and Shariah-compliant financial products (Post & Parcel) (The Star).
This service allows customers to secure short-term loans using gold and jewelry as collateral********** foreigners can use its services too.. as long as ada gold, dari mana/sumber tak peduli kot? hehe
We're Pos Malaysia, must be easy and fast when you want to renew your road tax, license and car insurance! ✅ Anyone who hasn't renewed yet, let's go to the nearest post office today: https://bit.ly/48UVkTs
We're Pos Malaysia, must be easy and fast when you want to renew your road tax, license and car insurance! ✅ Anyone who hasn't renewed yet, let's go to the nearest post office today: We're Pos Malaysia, must be easy and fast when you want to renew your road tax, license and car insurance! ✅ Anyone who hasn't renewed yet, let's go to the nearest post office today: https://bit.ly/48UVkTs
Salam Maal Hijrah! In conjunction with Awal Muharam on 7 July 2024 (Sunday), Pos Shop will operate according to a temporary schedule. Stop by your nearest Pos Shop and pick up your favourite beverages, desserts, snacks, and personal care products during this hour. 💚❤️🧃🍦🍫🍭 Find out more: https://bit.ly/45Mt9oM
Salam Maal Hijrah! In conjunction with Awal Muharam on 7 July 2024 (Sunday), Pos Shop will operate according to a temporary schedule. Stop by your nearest Pos Shop and pick up your favourite beverages, desserts, snacks, and personal care products during this hour. 💚❤️🧃🍦🍫🍭 Find out more: https://bit.ly/45Mt9oM
The entire citizens of Pos Malaysia congratulate His Royal Highness Dato' Seri Anwar Ibrahim Prime Minister of Malaysia on being conferred with the Highly Respected Darjah Seri Setia Sultan Sallehuddin Kedah (S.S.S.K.) who bears the title of Dato' Serie Royal in conjunction with the 82nd Princess Day Celebration of His Majesty The Sultan of Kedah Darul Aman.
Wah! Boleh jimat RM10 tau bila anda perbaharui insurans & cukai jalan menggunakan kad ATM MyDebit di Pos Malaysia! Tunggu apa lagi? Jomlah ke mana-mana cawangan kami untuk Renew & Jimat sekarang! https://www.pos.com.my/pos-outlet-finder
Wah! Boleh jimat RM10 tau bila anda perbaharui insurans & cukai jalan menggunakan kad ATM MyDebit di Pos Malaysia! Tunggu apa lagi? Jomlah ke mana-mana cawangan kami untuk Renew & Jimat sekarang! https://www.pos.com.my/pos-outlet-finder
Wehhh nak kabo yang Pos Shop dah mendarat kat Kontan! 🛬 Tempat dia kat sebelah Pejabat Pos Besar Kuantan je. Ape lagi aokmer.. meh la nyinggoh kala nak beli cekedis, manisan dan macam-macam lagi! Selok wehhh 😜 #PosMalaysia #KamiSampaikanTawaranHebat #PosShop #PosShopKuantan
At Pos Malaysia, we are committed to creating impactful solutions that deliver economic, environmental and social value for a brighter and greener tomorrow. With our goal to achieve net-zero emissions by 2050, we strive for cleaner operations for climate protection. We began our transition with electric vehicles to deliver your parcels sustainably, adopted solar energy across our facilities to reduce our reliance on non-renewable energy, undertook rigorous measures to minimise paper consumption, production & disposal through digitalising our processes and also adopted food compositing practices to minimise food waste. We strive to continue to fulfill our purpose through clean methods for a sustainable future.
Did you know? Insurance & road tax renewal is really easy and fast at post offices throughout Malaysia! Even better, you can get a mystery gift when you renew at any Pos Malaysia counter.
We have almost 600 post offices, come to a post office near you today!
Any Maxis & Hotlink customers here? 🤭📞 Ice cream, chilling chilling ice cream chilling~ You're in for a TREAT! Redeem a free ice cream 🍦 at your nearest Pos Shop when you spend a min. RM10* from today until 31 Aug 🤩 *Valid with any transaction except bill payments, mobile reloads, tobacco & electronic cigarettes. T&C applies. #PosMalaysia #WeDeliverAwesomeDeals #PosShop
Penghantaran mudah, jimat dan selamat dari Tanah Suci ke Tanah Air. Kelebihan Perkhidmatan Bagasi Haji: - Serahan terus ke pintu rumah - Barang akan diserah dalam tempoh 7-14 hari bekerja - Kaedah pembayaran yang fleksibel Nak tahu lebih lanjut? Kunjungi kaunter Pos Laju berdekatan anda atau hubungi kami di: https://www.pos.com.my/contact-us
Penghantaran mudah, jimat dan selamat dari Tanah Suci ke Tanah Air. Kelebihan Perkhidmatan Bagasi Haji: - Serahan terus ke pintu rumah - Barang akan diserah dalam tempoh 7-14 hari bekerja - Kaedah pembayaran yang fleksibel Nak tahu lebih lanjut? Kunjungi kaunter Pos Laju berdekatan anda atau hubungi kami di: www.pos.com.my/contact-us
Double the honour, double the pride! 🏆💪🏻 We are humbled and honoured to win Gold in Reader’s Digest Trusted Brand 2024 AND be named Best Employer by the Minister of Human Resources. Two is always better than one! Your trust drives us to #BeBetter every day. #PosMalaysia #WeDeliverExcellence
Perbaharui insurans kenderaan, cukai jalan dan lesen memandu di mana-mana pejabat pos berhampiran anda! Buat pilihan yang bijak untuk memudahkan proses pembaharuan anda. Jom ke pejabat pos terdekat sekarang: https://www.pos.com.my/pos-outlet-finder
[ANNOUNCEMENT] We are pleased to inform that delivery services to and from Sabah and Sarawak are now back to normal.
For more info: bit.ly/3UogggI [PENGUMUMAN] Sukacita dimaklumkan bahawa perkhidmatan penghantaran ke dan dari Sabah dan Sarawak kini kembali seperti biasa. Ketahui lebih lanjut: bit.ly/3UogggI
Pada Jumaat lepas, Pos Shop berkesempatan untuk menyantuni pelanggan-pelanggan kami di Brickfields untuk #BerkongsiRezeki pada bulan Ramadan yang mulia ini. Sebanyak 100 pek berbuka telah diedarkan sebagai tanda penghargaan kepada pelanggan dan komuniti sekitar atas sokongan yang diberikan sejak awal pembukaan lagi. Sambutan amat memberansangkan dan kami sangat berbesar hati dapat #BerkongsiRezeki. Tidak dilupakan, ribuan terima kasih juga kepada Yeo's MY dan Yee Lee kerana turut sudi bekerjasama dengan kami dalam inisiatif ini 🧃🍪🌙 #PosMalaysia #KamiSampaikanSalamRamadan #PosShop #PosShopBerkongsiRezeki
Just buy and keep. From all time high at almost rm6 to rm0.4 is worth buying. Only 6% to 7% left from all times high. Some big sharks are manipulating the prices.
Drb & geely to privatise pos Malaysia. The logistics and transportation biz segment of pos is crucial for proton/lotus/geely car distribution in the region
The present prices is cheap to be privatise, but the question is, would the big shareholders allowed, as they purchased its at 10x of the present depressing prices.
Small cap GLC Stocks if they are well-balanced in your investment portfolio, they can provide you with fruitful returns in due time. It is always advisable to research well before you start investing
This book is the result of the author's many years of experience and observation throughout his 26 years in the stockbroking industry. It was written for general public to learn to invest based on facts and not on fantasies or hearsay....
Good123
26,232 posts
Posted by Good123 > 2024-07-14 16:25 | Report Abuse
"Pos Malaysia cannot fail" can be interpreted in a few ways, depending on the context. Here are some possible explanations:
1. **Strategic Importance**: Pos Malaysia, being the national postal service of Malaysia, holds significant importance in ensuring communication and commerce. Its failure could disrupt essential services and economic activities.
2. **Public Trust**: As a longstanding institution, Pos Malaysia likely enjoys a high level of public trust. Failure could lead to a loss of confidence in national services.
3. **Government Support**: The government may consider Pos Malaysia too important to fail and might provide financial or structural support to ensure its continuity.
4. **Market Position**: Pos Malaysia might have a dominant market position in postal and logistics services, making its failure unlikely due to the lack of immediate competitors that can match its scale.