At KAMMB, Shariah compliance is not just a label
— it's a principle we live by.
Every financing product we offer is designed to follow Islamic principles, ensuring your financial journey is ethical, riba-free, and transparent from start to finish.
We use the Tawarruq structure — a widely accepted Islamic financing concept approved by Shariah scholars and practiced by Islamic banks and cooperatives across Malaysia.
You apply for financing
We arrange a commodity purchase (typically palm oil or similar assets) on your behalf
You own the commodity, and we help sell it immediately to a third party
You receive the cash proceeds from the sale
You agree to repay us in monthly instalments at a fixed profit rate — not interest
We charge a flat profit rate starting at6.99%, agreed upfront..
Fixed Monthly Payments
Same amount every month throughout the term
No Compounding
Simple profit calculation, no interest on interest
No Hidden Fees
Complete transparency in all charges
Up to 10 Years Repayment
Longer repayment period means lower monthly instalments
We believe in transparency, so you always know your exact repayment amount before you sign.
Choosing a Shariah-compliant financing product means:
All transactions follow Islamic principles
No riba, gharar, or haram activities
Make choices that reflect your faith
SKM regulated, with salary deduction via ANGKASA.
Koperasi Aspirasi Mulia Malaysia Berhad is officially registered and regulated under SKM, the governing body for cooperatives in Malaysia.
Registration No.:
202359602174
All our financing products follow Shariah principles and use the Tawarruq structure, approved under standard Islamic financial guidelines.
✓ Tawarruq Structure Approved
✓ Shariah Scholar Reviewed