EASY APPLICATION
3 Simple Steps
QUICK APPROVAL
Get what you need, Faster
SHARIAH-ALIGNED
Honest and Transparent
ELIGIBILITY
Exclusively available to civil servants across Malaysia ensuring reliable, automated repayments and competitive financing terms.
​
Who can apply?
-
Registered with Sistem Potongan
-
Completed minimum service period
-
Meets minimum monthly income threshold
-
Direct salary deduction
With transparent profit rate and tenure, we coordinate directly with your HR to register salary deductions.
3 Easy Steps
01
Submit Your Application
All you need is basic employment and income details. Give us 3 business days to verify your eligibility and review your financing request.
02
Review Your Offer
Your offer letter will include all the information you need, including transparent profit rate and tenure.
03
Accept Offer Letter
Once you accept your offer letter, funds will be credited—repayments will start automatically next pay cycle.
Frequently Asked Questions
Am I Qualified to Apply?
All Malaysian civil servants can apply! This includes federal and state government employees, statutory body staff, and selected government-linked agencies. Meaning staff of all thirteen state governments—including state civil service, state statutory authorities, and state-owned enterprises—can apply. All you need is a minimum service period, meet an income threshold, and have an active facility with your employer.
How Do Deductions Work?
Once you have accepted your offer letter, we register your instalment via your employer's HR. Each payday, the amount is deducted from your gross salary—just like EPF or SOCSO—and remitted directly to us. No manual transfers, no missed payments. EASY!
What Shariah Structure is Used?
All contracts are reviewed by Tembusu to ensure zero riba and full transparency. All rates and any fees are disclosed fully upfront before disbursement. Our Shariah Board conducts regular audits to maintain ongoing compliance.
