Customer Personas
Silsilat’s modernization of Ar-Rahnu empowers diverse communities who depend on ethical, fast, and fair access to liquidity. Below are representative personas across the full spectrum of users: from micro-entrepreneurs to urban households, students, and small cooperatives.
Persona 1: Amina the Micro-Entrepreneur
Profile
Details
Age / Gender
38 / Female
Location
Kota Bharu, Kelantan
Occupation
Home-based food and catering business
Income Level
RM 2,000–3,000 / month
Collateral Type
916 gold jewelry (approx. 20g)
Financing Need
Working capital for raw materials and delivery expansion
Pain Points
Traditional pawnshops take 1–2 days to release funds.
Unclear valuation; varying LTV ratios across outlets.
Paper-based receipts, difficult for tracking and renewals.
How Silsilat Helps
Instant liquidity via tokenized gold receipt and automated pool disbursement.
Digital dashboard to track loan status, renewals, and redemption history.
Transparent pricing using AI evaluator and live gold market rates.
Shariah-compliant guarantee built into policy engine.
“Now I can expand my catering orders without waiting for bank approval — my gold is my capital, not just my savings.”
Persona 2: Rahim the Urban Worker
Profile
Details
Age / Gender
29 / Male
Location
Shah Alam, Selangor
Occupation
Motorcycle technician
Income Level
RM 2,500 / month
Collateral Type
999 gold bar (10g)
Financing Need
Cash flow for equipment purchase and emergencies
Pain Points
Needs liquidity fast but avoids interest-based loans.
Feels embarrassed to queue in pawnshops.
Distrusts “instant cash” apps due to hidden fees.
How Silsilat Helps
Secure digital pawn process through verified app and KYC.
Funds credited instantly via integrated payment gateway (PayNet).
Transparent audit trail on Hedera — builds trust and confidence.
Ethical yield participation if he wants to reinvest later as micro-investor.
“I used my bar gold as collateral today — got funds in minutes, and it’s fully halal.”
Persona 3: Nurul the School Teacher
Profile
Details
Age / Gender
43 / Female
Location
Alor Setar, Kedah
Occupation
Primary school teacher
Income Level
RM 4,500 / month
Collateral Type
916 gold bangle (15g)
Financing Need
Short-term financing for school-related expenses and family emergencies
Pain Points
Keeps multiple receipts and forgets renewal dates.
Needs assurance of safe custody for her jewelry.
Wants a more professional, tech-enabled experience.
How Silsilat Helps
Digital record keeping for all Ar-Rahnu transactions and renewal reminders.
Custody verification with licensed Digital Asset Custodian ensures safety.
Transparent valuation certificate via AI evaluator artifact (IPFS-linked).
“I no longer worry about misplacing pawn tickets — everything is in my app, with full transparency.”
Persona 4: Yusuf the Smallholder Farmer
Profile
Details
Age / Gender
52 / Male
Location
Kuala Nerang, Kedah
Occupation
Rubber smallholder
Income Level
RM 1,800 / month (seasonal)
Collateral Type
Old 22k jewelry set
Financing Need
Bridge loan during monsoon season (off-harvest period)
Pain Points
Seasonal income fluctuations cause cash flow gaps.
Limited access to banks; rural area with limited branches.
Long travel time to nearest pawnshop.
How Silsilat Helps
Mobile-first onboarding with eKYC and local Ar-Rahnu agent integration.
Instant gold valuation even with weak internet (offline-sync capable).
Cash payout through local cooperative agent connected via Silsilat network.
Data traceability supports eligibility for future micro-credit or insurance.
“Even from my village, I can get halal financing securely and quickly.”
Persona 5: Siti the Digital Micro-Investor
Profile
Details
Age / Gender
26 / Female
Location
Kuala Lumpur
Occupation
Data analyst
Income Level
RM 6,000 / month
Investment Preference
Ethical, Shariah-compliant, low-risk assets
Financing Need
Passive income and portfolio diversification
Pain Points
Limited access to verified micro-investment products.
Distrust of DeFi and speculative crypto assets.
Prefers tangible, regulated instruments.
How Silsilat Helps
Fractional ownership (fSAG) of real gold-backed loans.
Shariah-screened pools with transparent yield logic.
Performance dashboard showing yield, risk, and trace score.
Custody insured by licensed DACP for peace of mind.
“Now I can invest RM 100 in real gold-backed assets — earning returns that are halal, transparent, and meaningful.”
Persona 6: Cooperative Manager (Institutional)
Profile
Details
Name
Encik Ahmad
Institution
Koperasi Rahnu Desa Berhad
Branches
12 across Northern Malaysia
Total Loan Book
RM 25 million
Financing Need
Automated liquidity sourcing & compliance reporting
Pain Points
Manual ledger reconciliation across branches.
Difficult to manage liquidity during peak festive seasons.
Paper audit trails cause compliance delays.
How Silsilat Helps
Automated liquidity access via on-chain treasury pool.
Consolidated dashboard for asset tracking and compliance reports.
Real-time regulatory data shared with BNM through Hedera HCS.
Instant pawnshop-to-investor linkage for faster funding cycles.
“Silsilat lets our cooperative grow responsibly — while regulators can see our compliance in real time.”
Persona Insights Summary
Segment
Motivation
Pain Point
Silsilat Benefit
Micro-entrepreneurs
Working capital
Slow manual disbursement
Instant tokenized liquidity
Urban workers
Emergency liquidity
Distrust of digital lenders
Transparent, Shariah-compliant app
Middle-income households
Education & family needs
Paper records, poor visibility
Digital dashboards & safe custody
Rural farmers
Seasonal financing
Lack of access & long processing
Mobile onboarding & agent integration
Young investors
Ethical savings
Few compliant micro-investments
fSAG tokens & insured custody
Cooperatives
Liquidity scaling
Audit complexity
Automated treasury & HCS audit trail
Summary
Silsilat reimagines the Ar-Rahnu customer experience through inclusive design:
Empowers borrowers with immediate, ethical access to liquidity.
Unlocks new investor classes via fractional participation.
Supports cooperatives and pawnshops with automation and transparency.
Preserves Islamic financial integrity while enabling digital transformation.
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