Amãna Bank offers Gold Certificate Financing as an innovative alternative for conventional pawning. 
Gold Certificate Financing is a unique product to the Islamic finance industry, which is simple, safe and an easy solution that unlocks the value of your gold jewellery without selling it. 

Commenting on this novel product, Amãna Bank VP Retail Banking and Marketing Siddeeque Akbar said, “Instead of selling or disposing off your hard-earned gold that may appreciate with time, customers can now obtain this facility which operates as two separate models offered independently. 
Accordingly, the first product ‘gold safekeeping’ operates as a safe-custody service for gold jewellery, while the second product ‘emergency cash’ operates as an instant loan, which can be backed by the certificate issued for safekeeping of the gold jewellery.”  The Gold Certificate Financing product serves the unbanked and underbanked segment with the objective of facilitating convenient credits at grass root level to help fund personal as well as micro industries. 

Customers can obtain this service from 18 Amãna Bank branches which are Pettah, Kattankudy, Kalmunai, Galle, Akurana, Gampola, Sammanthurai, Mawanella, Akkaraipattu, Dehiwela, Ninthavur, Kuliyapitiya, Eravur, Negambo, Badulla, Puttalam, Kinniya and Ratnapura while seven more branches are to facilitate this service in the coming months. 

Amãna Banks Gold Certificate Financing product was recognized on a global scale when it was listed in Global Finance Magazine ‘Innovator 2016’ index and received the Gold award for the Best Islamic Banking Product at the fourth Sri Lanka Islamic Banking and Finance Industry Awards.