Responsible Syariah financing for Malaysia
danakini delivers governed, transparent financing facilities for individuals and enterprises — backed by Syariah advisory oversight and a fully digital operating model.
Platform at a glance
Governance you can measure
100%
Syariah-screened products
Every facility reviewed by our Syariah Advisory Committee
1–3
Business days to decision
Subject to complete documentation
24/7
Digital account access
Apply, track, and manage via danakini.my
Our Operating Process
A disciplined four-stage workflow from application through to disbursement.
Digital Application
Submit your facility request on danakini.my with supporting documents uploaded securely.
Credit & Syariah Review
Our underwriting team assesses eligibility while ensuring contract structures meet Syariah requirements.
Facility Agreement
Approved applicants receive a clear, itemised agreement for digital execution.
Fund Disbursement
Proceeds are released to your nominated account upon completion of all conditions precedent.
Facility suite
Structured financing facilities
Contract-based solutions designed for long-term suitability, not one-size-fits-all lending.
Ihsan Personal Facility
A governed personal liquidity facility using Commodity Murabahah via Tawarruq — suited for planned personal expenditure with defined profit and tenure.
Murabahah via Tawarruq
Ihsan Business Facility
Working-capital and expansion financing for registered SMEs, structured without conventional interest mechanisms.
Murabahah / Tawarruq
Ihsan Payroll Facility
Income-aligned financing for salaried professionals with repayment schedules matched to verified earnings.
Tawarruq · income-verified tenure
The danakini Standard
Institutional discipline applied to accessible Islamic finance.
SAC
Syariah Advisory Committee
Independent scholars review every product structure before it is offered to the public.
PDPA
Data Protection
Enterprise-grade security and PDPA-aligned handling of all customer information.
100%
Contract Transparency
Profit, fees, and obligations disclosed upfront — no ambiguous clauses.
MY
Malaysian Operator
CREDIBLY IHSAN SDN. BHD. — incorporated and regulated in Malaysia.
Syariah
Syariah Compliance
Our commitment to Islamic finance principles is at the core of everything we do.
No Riba (Interest)
All financing is structured without interest. Profit is earned through permissible trade-based contracts.
No Gharar (Excessive Uncertainty)
Contract terms, profit rates, and obligations are clearly defined upfront.
No Maysir (Gambling)
Our products involve genuine economic activity — not speculative or chance-based transactions.
Investor & customer information
Common enquiries
What regulatory framework governs danakini?+
CREDIBLY IHSAN SDN. BHD. operates as a licensed money lender in Malaysia. All facilities are structured to comply with applicable Islamic finance principles and Malaysian law.
How does the Syariah Advisory Committee participate?+
Our SAC reviews product structures, contract documentation, and operational processes before any facility is made available on danakini.my.
What is the typical documentation package?+
Applicants should prepare NRIC, proof of income, bank statements, and EPF records. Corporate applicants require SSM registration and financial statements.
How are profit rates determined?+
Profit is derived through permissible trade-based contracts. Rates and total sale prices are disclosed in your facility agreement prior to execution.
Is early settlement permitted?+
Yes. Early settlement is allowed and rebate on unearned profit may apply in accordance with your agreement and applicable Syariah guidelines.
How is customer data handled?+
We adhere to the Personal Data Protection Act 2010 (PDPA) and maintain encryption and access controls across danakini.my.
Corporate enquiries
Reach our team for facility information, partnership discussions, or account support.
- Registered Office
- C-13-2, LEVEL 13, KL TRILLION, NO. 338, JALAN TUN RAZAK, 50400 KUALA LUMPUR W.P. KUALA LUMPUR MALAYSIA
- info@danakini.my
+60 3-2181 8800
- Platform
- danakini.my
Start a conversation
Our relationship team responds to corporate and individual enquiries during business hours.
Email Our TeamNew account registration on danakini.my is currently closed. Existing customers may log in to manage their facilities.