Shariah-Compliant
Jomdana-i is structured using Tawarruq / Commodity Murabahah.
Understand Shariah Structure →PERSONAL FINANCING · JOMDANA-i
Online Personal Financing in Malaysia
Apply for Shariah-compliant personal financing through Jomdana-i for your needs, with a digital process using MyKad.
Compare amounts and tenure, review estimated monthly payments and choose a commitment that fits your budget.
Subject to financing assessment and current terms.
FINANCING UP TORM10,0003 – 24 months Shariah-compliant tenure
Shariah-Compliant FinancingDigital ApplicationUp to RM10,000*3–24 Months Tenure*Subject to Assessment
PLAN YOUR FINANCING
See how amount and tenure can affect your payments
Different amount and tenure combinations can result in different payment commitments. Use the calculator to understand your options before proceeding.
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 SECTIONFinancing OptionsMenu ⌄
QUICK ANSWER
What is personal financing?
Personal financing is a financing facility that can be used for personal needs, with an agreed financing amount, tenure, payment structure and applicable terms.
Jomdana-i provides Shariah-compliant personal financing through a digital application journey. Before choosing any financing option, do not look at the amount alone. Consider affordability, tenure, total cost and the underlying financing structure as well.
For an overview, explore the Jomdana financing guide.
Jomdana-i is Shariah-compliant personal financing structured using Tawarruq (Commodity Murabahah), not a conventional interest-bearing loan.
| What to Review | Question to Ask |
|---|---|
| Amount | How much do I actually need? |
| Payment | Does the payment fit my budget? |
| Tenure | How long will this commitment last? |
| Cost | How much will I pay in total? |
| Assessment | What information may be considered? |
| Structure | How is the financing structured? |
MEET JOMDANA-i
Shariah-compliant personal financing through a digital journey
Jomdana-i is a Shariah-compliant personal financing option for customers who want to understand the amount, tenure and applicable terms before proceeding digitally.
- 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
- Assessment
- Subject to financing assessment
- Disbursement
- After the applicable financing process is completed
Digital
Key application and identity-verification steps can be completed through a digital journey.
See How It Works →Clear Before You Decide
Review the amount, tenure, payment and applicable terms before making a decision.
Understand Financing Costs →Responsibly Assessed
Every application remains subject to the applicable financing assessment process.
Understand Financing Assessment →UNDERSTAND YOUR SEARCH
Searching for a “personal loan in Malaysia”?
Many people use the phrase “personal loan” when looking for funds for personal needs. However, products that appear in search results do not necessarily use the same structure. Jomdana-i is not a conventional loan. It is Shariah-compliant personal financing structured using Tawarruq / Commodity Murabahah.
| Feature | Conventional Personal Loan | Jomdana-i Financing |
|---|---|---|
| Structure | Interest-bearing loan mechanism | Shariah-compliant financing based on Tawarruq / Commodity Murabahah |
| Financing cost | Conventional interest rate | Agreed profit rate per contract |
| Identity verification | Manual or physical paper process | Digital MyKad and eKYC verification |
| Shariah status | Not Shariah-compliant | Fully Shariah-compliant |
Are “personal loan” and “personal financing” the same thing?
These terms can refer to different product structures. Jomdana-i provides Shariah-compliant financing using Tawarruq / Commodity Murabahah. Review the contract structure and terms of the product you choose.START WITH WHAT YOU NEED
How much financing do you actually need?
Do not start with “What is the maximum amount I can get?”. Start with “How much do I actually need?”. Choosing more financing than you need can increase your payment commitment.
Need
Is this amount enough for your actual need without overborrowing?
Monthly Repayment
Does the estimated payment comfortably fit your monthly budget?
Total Amount Payable
How much will you pay before the financing is fully completed?
If RM500 meets your needs, explore RM500 financing with IC.
APPLICATION JOURNEY
How does a Jomdana-i application work?
The Jomdana-i application journey includes identity verification, application information, financing assessment and documentation before the applicable financing process is completed.
01 — Register
Register through the Jomdana app or another official Jomdana channel.
02 — Verify Your Identity
Complete NRIC and selfie verification through eKYC.
03 — Complete Your Details
Provide the required personal, employment and bank account information.
04 — Financing Assessment
Your application goes through the applicable financing and risk assessment process.
05 — Review Your Option / Offer
Where available, review the financing amount, tenure, payment and applicable terms.
06 — Complete Digital Documents
Complete the relevant financing documents digitally.
07 — Tawarruq Process
The applicable commodity transactions are carried out according to the Jomdana-i financing structure.
08 — Disbursement
Once the applicable process has been completed, approved financing proceeds are disbursed directly to your verified bank account.
FINANCING ASSESSMENT
How is a financing application assessed?
Every application remains subject to financing assessment. Meeting one requirement or choosing a smaller amount does not mean automatic approval.
Identity VerificationApplication InformationFinancial Information / AffordabilityCredit AssessmentRisk / Fraud Checks
Financing AssessmentAvailable option / offer where applicable criteria are metIs approval for Jomdana-i personal financing guaranteed?
No. Every Jomdana-i application remains subject to financing assessment and the applicable criteria.BEFORE YOU APPLY
Information you may need
Preparing the right information can help you understand the process before starting your application.
| Information | Purpose |
|---|---|
| MyKad / NRIC | Identity verification |
| Selfie | eKYC and biometric matching |
| Personal details | Application profile completion |
| Employment information | Financing assessment and affordability check |
| Bank account information | Verification for receiving disbursed funds |
| Additional documents | Where requested by credit evaluation |
Is MyKad all I need?
Use MyKad for identity verification and complete any additional information requested in the app.UNDERSTAND THE COST BEFORE YOU ACCEPT
Do not look at the monthly payment alone
Review the monthly payment alongside the total payable and charges in your actual offer. The calculator supports planning but does not replace your financing terms.
- Financing Amount
- The amount requested or approved. Also check the net amount that will be credited.
- Financing tenure
- How long the payment commitment lasts.
- Profit rate
- The financing cost stipulated in the contract.
- Monthly Repayment
- Your recurring installment amount.
- Applicable charges
- Any specific fees stated in the offer.
- Total amount payable
- The overall amount to be paid across the agreed tenure per the agreement.
BEFORE YOU CONTINUE
Does this payment fit your budget?
Financing is a financial commitment. The amount available is not necessarily the amount that fits your personal cash flow.
Need
Do you truly need this specific financing amount?
Payment
Does the payment fit comfortably into your regular monthly budget?
Commitments
What other financial obligations do you currently service?
Buffer
Will you still have room for essential expenses and unexpected costs?
A CLEARER DECISION JOURNEY
What can you understand before proceeding with Jomdana-i?
Understand the Amount
See the financing amount you are considering clearly.
Plan the Tenure
Understand how tenure can affect your payment commitment.
Review the Offer
Review the profit rate, applicable charges and total amount payable before accepting.
Understand the Structure
See how Jomdana-i is structured as Shariah-compliant personal financing.
APPLY THROUGH OFFICIAL CHANNELS
Use official channels before sharing your information
A financing application involves personal and financial information. Make sure you are using an official channel and understand who is handling the financing process.
Use Official Channels
Start only through the Jomdana website, app or another verified official channel.
Protect Your OTP & Passwords
Never share your OTP, PIN or password with any third party.
Verify Company Information
Ensure the provider’s identity and credentials can be verified.
Review Terms Before Accepting
Check the amount, profit rate, charges, tenure and total amount payable.
CHOOSE BASED ON INFORMATION, NOT LABELS
Fast financing with clear options
The digital process makes it easy to start your application. Review the amount, tenure and estimated payment before choosing financing that fits your needs.
| Essential Factor | What to Review |
|---|---|
| Amount | How much do you actually need for your requirements? |
| Affordability | Does the payment fit your realistic monthly cash flow? |
| Cost | What is the total amount payable including the applicable profit and charges? |
| Assessment | What verification and credit criteria will the application undergo? |
| Structure | Do you understand how the Shariah-compliant financing contract operates? |
FREQUENTLY ASKED QUESTIONS
Questions about online personal financing
What is personal financing and how does it differ from a loan?
These terms can refer to different product structures. Jomdana-i provides Shariah-compliant financing using Tawarruq / Commodity Murabahah. Review the contract structure and terms of the product you choose.
Can I apply for personal financing online?
Yes. Jomdana-i uses a complete digital application journey including registration, eKYC, digital document signing and direct disbursement to your bank account.
What financing amounts and tenure are available?
Jomdana-i offers financing options up to RM10,000 with tenure options from 3 to 24 months, subject to financing assessment and current terms.
What information and documents do I need?
Use MyKad for identity verification and complete any additional information requested in the app, such as personal, employment or income details where required.
How can I estimate my monthly payment?
Use the Jomdana-i financing calculator to see estimated monthly payments based on your chosen amount and tenure. Always check the actual profit rate and charges in your official offer.
Is approval guaranteed and how fast is it?
Approval is not guaranteed and remains subject to assessment criteria. The digital process expedites review, and you can track your status in real time via the app.
Is Jomdana-i financing Shariah-compliant?
Yes. Jomdana-i is structured as Shariah-compliant personal financing based on Tawarruq / Commodity Murabahah, with transparent terms and no hidden fees.
How are financing proceeds disbursed?
Once approved and the digital agreement is completed, financing proceeds are disbursed directly to your verified bank account.
JOMDANA-i
Plan first. Understand the terms. Then decide.
Review the financing amount, tenure, estimated payments and financing structure before proceeding with Jomdana-i.
Subject to financing assessment and current terms.