MULI Muliawati, 32, visited the branch office of Perum Pegadaian (state pawnshop company) on Jalan Dewi Sartika, East Jakarta, on Thursday last week. She intended to pawn her gold ornament through its service product Ar-Rahn or Sharia Pawnshop. After completing a form entitled loan request, she delivered the paper and her ornament to the appraisal counter.

In less than 10 minutes, the appraiser called her name to ascertain the weight and price of