Shariah-Compliant
Jomdana-i financing is structured using Tawarruq / Commodity Murabahah.
DIGITAL FINANCING | JOMDANA-i
Online Personal Financing with MyKad
Apply online for Shariah-compliant personal financing with MyKad through Jomdana-i.
Start with MyKad and selfie verification, complete your application details and review your financing options through the Jomdana app.
Subject to financing assessment and current terms.
Shariah-Compliant FinancingDigital ApplicationMyKad VerificationSubject to Assessment
PLAN YOUR FINANCING
Review the amount, tenure and estimated payment
This planning estimate follows the Jomdana-i calculator and is not a final quotation. Check the profit rate, applicable charges and total amount payable in your offer and agreement.
CURRENT SECTIONAbout Jomdana-iMenu ⌄
MYKAD VERIFICATION
Can I apply for financing using MyKad?
Yes. MyKad is used as part of the identity-verification process for a Jomdana-i application.
MyKad is used to verify your identity. Personal, employment and bank-account details or additional documents may be requested during the application.
Explore all options in the Jomdana financing guide.
Have your MyKad ready and check that the details you submit are accurate.
| Verification Step | Purpose |
|---|---|
| MyKad | For digital identity verification. |
| Selfie | For identity matching during eKYC. |
| Application details | Complete the information requested in the app. |
The MyKad verification journey
- MyKad
- eKYC
- Selfie verification
- Identity verified
- Complete application
- Financing assessment
MEET JOMDANA-i
Digital Shariah-compliant personal financing
Jomdana-i is designed to let customers complete the application journey digitally while seeing key financing information before making a decision.
- Type
- Shariah-compliant personal financing
- Application
- Digital
- Identity verification
- MyKad / NRIC + eKYC
- Financing Amount
- Up to RM10,000*
- Financing tenure
- 3-24 months*
- Shariah structure
- Tawarruq / Commodity Murabahah
- Approval
- Subject to financing assessment
Review amounts, tenure and budgeting in our online personal financing guide.
Digital
Identity verification and key application steps can be completed through digital channels.
Clear
Review your amount, tenure, payment and terms before making a decision.
Responsibly Assessed
Every application is subject to the applicable financing-assessment process.
What is eKYC?
eKYC stands for electronic Know Your Customer. It is a digital process used to help verify a customer identity.For Jomdana-i, NRIC and selfie verification form part of the application journey.WHAT ARE YOU REALLY LOOKING FOR?
Looking for a simpler way to understand online financing?
If you are looking for fast financing using IC, start with MyKad verification, the information to prepare and the Jomdana-i application steps.
| What people search for | What it actually means |
|---|---|
| “Using IC” | MyKad is used for digital identity verification |
| “Online” | Key application steps can be completed digitally |
| “Fast” | A streamlined digital process, subject to financing assessment |
| “Simple” | Clear steps in the app without complicated paper forms |
| “Direct to bank” | Disbursement to your bank account after approval and transaction completion |
HOW TO APPLY
From MyKad to financing
Follow the main application stages in the Jomdana app, from identity verification to offer review and financing disbursement.
Register
Register an account through the official Jomdana app.
Verify Your Identity
Complete eKYC using the required NRIC information and selfie.
Complete Your Information
Provide the required personal, employment and bank-account information.
Financing Assessment
Your application goes through the applicable financing and risk-assessment process.
Review Your Financing Options
Where an offer is available, review the amount, tenure, profit rate, payment and terms.
Complete Digital Documents
Complete the required financing document verification.
Tawarruq
Commodity transactions are carried out according to the Jomdana-i financing structure.
Disbursement
After the applicable steps are completed, approved proceeds are disbursed directly to your bank account.
BEFORE YOU APPLY
Information you may need
MyKad is the starting point for identity verification, but you may need to provide additional information to complete your application.
| Information | Why it may be needed |
|---|---|
| MyKad / NRIC | Digital identity verification |
| Selfie | Identity matching verification during eKYC |
| Personal information | To complete your application profile |
| Employment information | To support the financing assessment process |
| Bank-account information | To verify account details for disbursement |
| Additional documents | May be requested based on assessment needs |
Is MyKad alone enough?
Not necessarily.The information and documents required may depend on the assessment process. Additional supporting documents may also be requested.CHOOSE YOUR AMOUNT CAREFULLY
What if you only need a smaller amount?
Considering RM500? Explore RM500 financing with IC and its estimated payments.
RM500
Availability of financing amounts depends on current product options and eligibility assessment.
Explore RM500 Financing with IC →FINANCING ASSESSMENT
How is your application assessed?
Every Jomdana-i application is subject to financing assessment. A digital journey can make the process more convenient, but assessment is still required before an offer can be made.
Identity verificationApplication informationIncome and affordabilityCredit assessmentFraud / risk screening
Financing assessmentAn offer may be available where criteria are metDoes applying online make approval easier?
Not necessarily. The way an application is submitted does not remove the assessment process. Approval depends on financing assessment and the applicable criteria.COSTS AND TERMS
Understand the financing before you decide
Do not look at the financing amount alone. Before accepting an offer, review the full payment commitment.
- Financing Amount
- The amount requested or approved; check the net amount to be received in your offer.
- Financing tenure
- How long the payment commitment lasts
- Profit rate
- The financing cost per agreed contract
- Monthly Repayment
- Your regular monthly payment commitment
- Applicable charges
- Any additional costs or fees stated in the offer if applicable
- Total amount payable
- The total amount to be paid per the financing agreement
APPLY SAFELY
Protect your information when applying online
A financing application involves personal information. Make sure you use official channels when submitting your details.
Use Official Channels
Start only through an official Jomdana website, app or approved channel.
Protect Your OTP and Passwords
Never share your OTP, PIN or password with an unknown third party.
Review the Financing Information
Make sure the amount, profit rate, charges and terms are clear before you agree.
Verify the Provider
Know who is handling the application before submitting personal information.
BEFORE YOU CONTINUE
Does this financing fit your budget?
Need
Start with the amount you actually need.
Affordability
Make sure payments fit your budget and essential expenses.
Terms
Review the profit rate, charges, tenure and total amount payable.
FREQUENTLY ASKED QUESTIONS
Questions about online financing with MyKad
Can I apply for financing using MyKad?
Yes. MyKad is used as part of digital identity verification. The process may also involve a selfie, personal, employment and bank-account information, plus supporting documents where required.
Is MyKad alone enough?
MyKad starts identity verification, but employment, income details or additional supporting documents may be requested based on assessment needs.
What does eKYC mean?
eKYC stands for electronic Know Your Customer and helps verify identity digitally. Jomdana-i uses NRIC and selfie verification as part of this process.
How long does the financing process take?
You can start digitally with MyKad. Processing time depends on verification and application details; check your status in the app.
Can I apply for RM500?
Available amounts depend on current product options, financing assessment and the applicable offer. You can also refer to our RM500 financing guide.
Is Jomdana-i Shariah-compliant?
Yes. Jomdana-i is structured as Shariah-compliant financing using Tawarruq / Commodity Murabahah.
How are financing proceeds disbursed?
After the applicable assessment, documentation and financing processes are completed, approved proceeds are disbursed directly to your verified bank account.
What should I review before accepting an offer?
Review the financing amount, tenure, profit rate, monthly payment, applicable charges and total amount payable in your offer before accepting.
JOMDANA-i
Clearer financing starts with understanding your options
Review the amount, tenure, payments and applicable terms before continuing with your Shariah-compliant personal financing request through Jomdana-i.
Subject to financing assessment and current terms.