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Business Overview & Ventures

Business Overview

Positioned for sustainable growth — our forecast, strengths, the Dayaku digital platform and new strategic ventures.

Forecast

Positioned for sustainable growth

This forecast provides a clear overview of the company's anticipated business performance, highlighting key growth drivers and revenue trends for the year ahead.

It projects a strong increase in business volume, driven by strategic market expansion, strengthening of the sales network and enhanced Islamic Personal Financing offerings.

Business analytics
+15–20%Estimated YoY growth, driven by better campaign timing and customer retention
RM1BProjected annual sales revenue across internal and external channels
End-to-endProcess flow, documentation coordination and TAT management
IT-enabledTechnology supporting sales operations, tracking and reporting

Sales Channels

Internal Channel70%
External Channel20%
Digital Channel10%

Growth strategy focused on market expansion, sales network strengthening, and long-term partnerships with financial institutions.

Our Strength

End-to-end business solutions

Your strategic partner across the full financing lifecycle — from customer acquisition to repayment management.

Marketing & Sales

Marketing and sales of viable financing products, and acting as customer referral for lenders and service providers.

Payment Arranger

Acting as Payment Arranger and Repayment Platform provider for personal financing products.

BPA Access & Collection

Direct access and linkages to Biro Perkhidmatan Angkasa (BPA) for salary deduction and instalment collection arrangements.

Integrated IT Systems

Seamless IT systems support, digital document submission and digital marketing enablement for the Dayaku Digital Financing Platform.

Digital financing platform
Dayaku Digital Platform

A scalable digital financing ecosystem

Dayaku is a comprehensive digital financing platform supporting Umrah, personal and education financing. It comprises a customer mobile application, an internal admin portal, and a partner portal for approved service providers such as education institutions and travel agencies.

It enables end-to-end financing management — application submission, document upload, status tracking, digital agreement signing and full lifecycle monitoring — with a dedicated education financing module for partners to list programmes, manage pricing and validate student data.

New Business Venture

Expanding through strategic partnerships

Leveraging our expertise in customer acquisition, financing facilitation and repayment management to build strategic partnerships with: