it's call silver lot shop. Check that out in FB. it's a place for seller and buyer to lelong all sorts of silver ... but price is inconsistent ... they dont' follow spot, sometimes u get good buy but sometimes price are just too expensive.

i tried buying there for 2 transactions, not a very good experience seriously. I got attracted with the price and I paid up immediately. The seller nv pick up my call until 4 days later only call back. He say he will post the goods, so i ask for the tracking number, again no news, 1 weeks later only i receive my goods and it was NOT IN GOOD CONDITION. The packaging is terrible and scratches all over the airtites.

The second seller I ask for COD. He was late for 1 hour and he when he finally come, he says he forget to bring my coins. What he brought was another coin and ask me to tolerate with it, just get the other coin.

With that two bad experience. I think I better stick back to the more reputable local seller like goldchan and silverformalaysia.com. These two sellers are very reliable and u will nv have hassle or frustration when dealing with them. 

Just sharing experience, dont mean to offend anyone here ...

yes u are correct.
we've discussed this during the meet yesterday.
Dirham kelantan's premium is quite expensive and it does not have any numismatic value like lunar dragon and the likes.
that's why we buy internationally recognised bars/coins with the lowest premium possible.
why pay more, buy at whole sale price.

again, why pay using dirham if u can just pay using rm?
for dirham to be used as a currency, we cannot compare or back dirham using rm. dirham must be used independently and on its own.
current situation is that seller who accepts dirham still advertise their product on rm.
if we want to pay using dirham, the seller will calculate how much the product in dirham using rm25 as 'conversion rate'.

for me, my goals in silver investment is to gain profit on the capital gains when the spot price increases.
so, i buy bullions with the lowest premium possible.

for bolded part;
if dirham is not really for investment, then why hope for profit next year?
its better to buy cheap bars now and hope for more profit next year.

my 2oz worth of opinions