Education & Career
Course Fees & Skills Upgrading
Cover professional certification courses, skill training, or study materials for career advancement.
Consider the actual expense and your ability to pay before choosing an amount.
JOMDANA-i FINANCING GUIDE
Shariah-Compliant Financing for Your Needs
Explore Jomdana-i personal financing, applications using MyKad and the RM500 financing guide. Find the information that fits your needs.
Common Dilemma
Challenge: Unsure about the amount, tenure or application steps? Start with the guide that answers your needs.
The Jomdana-i Solution
Solution: Jomdana-i offers a digital financing journey using MyKad and a Tawarruq / Commodity Murabahah structure.
Approval and the offer are subject to financing assessment.
Jomdana-i · Clear Financing Simulation
Shariah-Compliant1. Choose AmountIllustrative Range
RM5,000
Min: RM 500Max: RM 10,000
2. Choose TenureChoose Tenure
3. Identity Verification
MyKad eKYC VerificationMyKad scan & selfie through official app
4. Monthly Repayment
Planning EstimateRM 422.92 / mo*
Financing AmountRM 416.67
Profit AmountRM 6.25
Shariah-Compliant
Shariah Governance
MyKad Verification
Payment Information
Official Channels
Quick Introduction
What Is Personal Financing?
Personal financing is a facility that helps individuals meet personal financial needs based on financing amount, tenure and repayment capability.
Rather than looking only for a specific amount, users should understand financing options, related costs, repayment tenure and suitability with their financial situation.
Financing Amount
Check the options in your app and offer.
Financing Tenure
Compare tenure and estimated monthly payments.
Tawarruq Structure
A financing structure involving Shariah-compliant commodity transactions.
Affordability
Consider existing commitments and essential expenses.
For a comprehensive guide on features, eligibility and application, see the personal financing guide.
Explore relevant financing guidesSuitability for Needs
Everyday Financing Needs
Financing should always serve a clear and manageable purpose. Learn how Jomdana-i financing supports everyday Malaysian needs:
Family & Emergencies
Medical & Household Emergencies
Manage urgent vehicle repairs or unforeseen clinic expenses for household stability.
Consider the actual expense and your ability to pay before choosing an amount.
Everyday Cashflow
Managing Cashflow & Essentials
Bridge short-term cashflow gaps for household groceries and utility commitments responsibly.
Consider the actual expense and your ability to pay before choosing an amount.
Working Capital & Goals
Small Business Working Capital
Support initial inventory purchases or basic work tools for side ventures incrementally.
Consider the actual expense and your ability to pay before choosing an amount.
Responsible Financing Reminder: Choose the amount and tenure around your budget. Allow for existing commitments, essential expenses and unexpected needs. Consider the actual expense and your ability to pay before choosing an amount.
If you require small emergency financing, review examples and steps in the RM500 financing with IC guide.
Financing Guides
Jomdana-i Financing Guides
Why Choose Jomdana-i?
Why Choose Jomdana-i?
Shariah-Compliant Financing
Jomdana-i provides Shariah-compliant financing structured around Tawarruq and Commodity Murabahah.
1. Commodity2. Murabahah Sale3. Valid Cash
Digital Application Process
Manage your application journey through a digital process including MyKad identity verification.
✓ 100% Paperless✓ Biometric eKYC✓ Direct from Phone
Clear Financing Information
Understand the financing amount, tenure and repayment before making a decision.
Financing AmountReview the amount in the offer.
Applicable chargesReview the disclosed breakdown.
Net proceedsReview the amount to be credited.
Official and Secure Channels
Use official channels and safeguard your personal information throughout the application.
✓ Shariah Governance✓ Official Jomdana Channels✓ PDPA Privacy
Application Stages
Financing Application Stages
The digital application journey is organized into 4 clear milestones guided by real application screens:
Stage 1: Choose Amount & Tenure
01
Estimated Time: 5 – 10 Minutes100% Digital on PhoneReview Required Details
Decision Support
Choosing Your Amount and Tenure
Before choosing financing, consider key factors to ensure your selection aligns with your financial needs and repayment capability.
| Factor | What to Consider |
|---|---|
| Financing Amount | How much is truly required without exceeding practical needs |
| Financing tenure | Repayment period that fits your monthly cashflow |
| Monthly Repayment | Whether it aligns comfortably with your household budget |
| Financing cost | Understand the profit rate and disclosed charges stated in the offer |
Budget Management Guide: Choose the amount and tenure around your budget. Allow for existing commitments, essential expenses and unexpected needs.
Information Readiness
Preparing to Apply
Prepare the following information before starting your application via the official Jomdana app:
Valid physical MyKad for eKYC identity verification
Functional smartphone camera for selfie facial matching
Active mobile number to receive SMS verification codes
Personal Malaysian savings bank account in your own name
Recent employment details and monthly income information
Note: Additional supporting documents may be requested during assessment depending on applicant profile.
To understand identity verification steps and details preparation, refer to the financing with MyKad guide.
Shariah-Compliant Islamic Finance
Shariah-Compliant Structure
Struktur pembiayaan Jomdana-i beroperasi berlandaskan konsep Tawarruq dan Commodity Murabahah yang diiktiraf di peringkat antarabangsa:
Step 1
Commodity Purchase
Shariah-compliant commodities are purchased on an authorized trading platform based on the requested financing amount.
Step 2
Murabahah Sale
The commodity is sold to the customer at a deferred selling price comprising cost and agreed profit.
Step 3
Cash Receipt
The commodity is sold to a third party in the market and the cash proceeds are transferred directly to the customer’s bank account.
Shariah Oversight by Masryef Advisory
Certified Shariah-CompliantJomdana-i is advised by Masryef Advisory Sdn Bhd, a registered Shariah adviser with the Securities Commission Malaysia, ensuring continuous Shariah compliance.
Certified Shariah-Compliant
Independent Certification
Shariah Compliance Certificate from Masryef Advisory
Jomdana-i Shariah compliance certificate from Masryef Advisory Sdn Bhd. Refer to product information for the Tawarruq / Commodity Murabahah structure.
- ✓ Official Shariah compliance certificate issued by Masryef Advisory
- ✓ Tawarruq / Commodity Murabahah structure free from riba
- ✓ Official product information can be reviewed on the Jomdana-i product page
Safety & Authenticity
Use Official Jomdana-i Channels
For your security:
Use the official app available on Google Play or Apple App Store only
Never share your OTP or password with anyone under any circumstances
Protect your personal information and MyKad details from third parties
Download the application through official app stores only:
Relevant Organisations and Channels
Shariah AdviserMasryef AdvisorySecurities Commission Malaysia
Commodity PlatformSedania As-SalamAs-Sidq Trading Platform
Credit IntelligenceExperianResponsible Assessment
Payment GatewaysXendit & FPXMalaysian Banking Standards
Frequently Asked Questions
Frequently Asked Questions About Jomdana-i Financing
What does this guide cover?
It covers online personal financing, MyKad applications and illustrative RM500 financing through Jomdana-i.
Are these different financing products?
These pages explain different aspects of Jomdana-i financing. Actual options follow your app and offer.
Can I apply using MyKad?
Yes. MyKad is used for identity verification through eKYC. Complete any other details requested in the app.
How do I estimate my payments?
Select an amount and tenure in the calculator. The estimate supports planning; check charges and the total payable in the actual offer.
Is Jomdana-i Shariah-compliant?
Jomdana-i provides Shariah-compliant financing using Tawarruq / Commodity Murabahah. Refer to the product page for further information.
Is approval guaranteed?
Approval is subject to financing assessment. Check your status and offer through the official app.
Next Steps
Download the Jomdana App
Start your digital application through the official Jomdana app. Review financing options and estimated payments with clarity.
Subject to credit assessment, financing terms and current eligibility.