jompinjam

Syariah Disclosure

Last updated: June 2026

Ringkasan (BM)

Pendedahan ini menerangkan struktur kontrak Syariah, tadbir urus Shariah, dan prinsip pematuhan yang terpakai kepada semua produk pembiayaan jompinjam.my.

This Syariah Disclosure Statement is issued by CAPITALLY IHSAN SDN. BHD. (Reg No: 202601022094 (1684191-X)), operating the platform jompinjam.my to inform customers about the Islamic finance principles, contract structures, and governance framework applicable to all financing products offered through jompinjam.my.

1. Syariah Governance

All financing products offered through jompinjam.my are reviewed and approved by our Syariah Advisory Committee ("SAC") prior to launch. The SAC comprises qualified Islamic finance scholars who ensure that all products, processes, and documentation comply with Syariah principles as recognised by the relevant authorities in Malaysia.

2. Contract Structures

Our financing products are structured using the following Syariah-compliant contracts:

  • Tawarruq (Commodity Murabahah): Used primarily for personal and salary-based financing through a commodity trade-based structure.
  • Murabahah: Used for business financing where the Company purchases an asset and sells it to the customer at a disclosed cost-plus-profit price.

In all cases, profit is derived from permissible trade-based transactions — not from interest (riba). The profit rate, tenure, and total sale price are disclosed upfront in the financing agreement.

3. Prohibited Elements

We are committed to avoiding the following prohibited elements in all our products:

  • Riba (Interest/Usury): No interest-based lending.
  • Gharar (Excessive Uncertainty): Contract terms are clearly defined at the outset.
  • Maysir (Gambling): No speculative or chance-based elements.
  • Haram Activities: Financing is not extended for activities prohibited under Islamic law.

4. Late Payment

In the event of late payment, any compensation charged is structured in accordance with Syariah guidelines. Late payment compensation, where applicable, is calculated based on actual costs incurred and handled as directed by our Syariah Advisory Committee.

5. Early Settlement

Customers may settle their financing facility early. A rebate on unearned profit may be granted in accordance with the terms of the financing agreement and Syariah guidelines on ibra' (rebate).

6. Risk Disclaimer

Financing involves financial obligations. Customers should ensure they can meet repayment commitments before applying. Failure to repay may affect your credit rating and result in legal action. This disclosure does not constitute financial advice.

7. Enquiries

For Syariah-related enquiries, contact us at info@jompinjam.my. For general terms, see our Terms of Service.