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SFinancing-i is currently available to a select group of users, with plans to expand access in the future  SeaMoney has launched SFinancing-i, a new Shariah-compliant financing service available through its Shopee app. This move was made possible through its partnership with SEDANIA As Salam Capital and Masyref Advisory.  This service offers users access to financing within 24 hours of activation, with disbursement limits of up to RM20,000 and payment periods ranging from 3 to 24 months.  Individual user limits and tenure availability are determined based on internal risk and credit assessments.  SFinancing-i was developed with the expertise of SEDANIA As Salam Capital as the digital commodity platform provider and Masyref Advisory as the Shariah advisor. The service utilises a commodity murabahah arrangement, ensuring adherence to Shariah principles. SEDANIA As Salam Capital also brings its commitment to sustainability to the partnership, utilizing digital practices to minimize environmental impact. Currently, SFinancing-i is available to a select group of whitelisted users, with plans to expand access in the future. To learn more about the application process and fee structure for SFinancing-i, interested users can visit the Shopee website .  Khairul Nisa Ismail, CEO of SEDANIA As Salam Capital said,  “Through our partnership with SeaMoney, Shopee users can transact with confidence, knowing their financing is supported by a fully digital commodity platform adhering to Shariah principles via a commodity murabaha arrangement.  This collaboration not only strengthens Shariah compliant financial services available on Shopee, but also highlights our dedication to empowering FSIs with innovative, compliant offerings that serve the community effectively.”  Khairil Anuar, Principal of Masyref Advisory, added,  “Our role as the Shariah advisor ensures that the financing solutions provided are not only compliant with Islamic principles but also tailored to meet the unique needs of the market. With our extensive experience in Shariah advisory and Islamic product development, we are committed to supporting innovative financial solutions that uphold the high standards of Shariah compliance.” This initiative follows Shopee’s earlier  introduction of SLoan , a personal loan service launched in February 2023 . Source: https://fintechnews.my/47116/fintech-lending-malaysia/shariah-financing-shopee/

GoHalal Financing Programme Stengthens Economic Inclusion and Unlocks Growth for a 3 Million-Strong Workforce KUALA LUMPUR, 6 November 2025 – SEDANIA As Salam Capital (“SASC”), a subsidiary of SEDANIA Innovator Berhad, continues to strengthen its leadership in Islamic fintech with the GoHalal Financing Programme (GHP) – a Shariah-compliant ecosystem designed to scale financial inclusion for Malaysia’s fast-growing gig economy. With nearly RM2 billion disbursed , the GoHalal Financing Programme is redefining how financial access is delivered to underserved communities. Through partnerships with major digital platforms, SEDANIA’s fintech arm enables embedded, fully Shariah-compliant microfinancing that enhances income stability and empowers individuals driving the digital economy. Malaysia’s gig workforce now exceeding three million individuals – represents one of the country’s fastest-growing economic contributors. By integrating ethical finance within digital ecosystems, SEDANIA is turning inclusion into an economic growth engine that benefits individuals, partners, and the broader economy. Reimagining Islamic Microfinance through Meta Financing At the core of SEDANIA’s innovation is a model known as Meta Financing – the seamless integration of technology, Shariah governance, and socioeconomic impact into one frictionless ecosystem. Powered by SEDANIA’s proprietary As-Sidq Tawarruq digital trading platform , GoHalal allows digital partners to embed Islamic financial products directly into their systems. Every transaction is automated, transparent, and compliant in real time – redefining efficiency in Shariah-based financing. SEDANIA remains the only Islamic fintech provider in Malaysia  leveraging airtime as an underlying digital commodity, enabling 24/7 transactions and instant documentation – a distinctive edge in delivering scalable and transparent financial access across institutional and retail segments. Driving Financial Inclusion, Ethically Since inception, the GoHalal Financing Programme has facilitated nearly RM2 billion in cumulative financing , empowering gig workers, small traders, and independent earners nationwide. The initiative aligns with SEDANIA’s corporate purpose of “Improving Lives Sustainably”, turning ethical finance into measurable socioeconomic outcomes through responsible lending, financial literacy, and equitable access to capital. Governance as a Growth Multiplier SEDANIA’s fintech model is anchored by a robust Shariah governance framework chaired by Professor Dato’ Dr. Aznan Hasan, a leading authority in Islamic finance. Every product and process under the GoHalal umbrella is designed with Shariah integrity as its foundation – reinforcing trust, transparency, and investor confidence. This commitment to ethical innovation has once again earned SEDANIA As Salam Capital the title of “ IFN Best Islamic Technology Provider ” at the IFN Service Providers Poll 2025, underscoring its leadership in Islamic fintech advancement. Leadership Commentary Pn. Khairul Nisa Ismail , Chief Executive Officer of SEDANIA As Salam Capital, said: “At Sedania As Salam Capital, we believe that financial empowerment must be both inclusive and principled. The GoHalal Financing Programme is more than a fintech innovation – it is an ecosystem that redefines access to capital for the underserved, guided by Shariah values and powered by technology. As we continue to serve and expand within Malaysia’s growing gig economy – a community of three million individuals and growing — our success demonstrates that ethical finance can be both scalable and sustainable, with significant potential to drive long-term socioeconomic growth.” Datuk Azrin Mohd Noor , Founder and Group Managing Director of SEDANIA Innovator Berhad, added: “At SEDANIA, we’re proud to see Malaysia’s gig and digital economy thriving – a clear reflection of the nation’s entrepreneurial strength and adaptability. Yet beyond these moments of commercial success, we recognise that the people powering this economy often face financial volatility between demand cycles. That’s where our GoHalal ecosystem delivers real meaning – enabling access to Shariah compliant, responsible financing that empowers those who drive Malaysia’s everyday economy.” Positioned for Sustainable Growth With a robust digital infrastructure, trusted governance, and expanding institutional adoption, SEDANIA As Salam Capital is well-positioned to capture the next wave of Islamic fintech growth across Southeast Asia. By uniting faith, finance, and technology, SEDANIA continues to transform ethical innovation into tangible value – for individuals, investors, and the regional economy alike.

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Watch exclusive interviews between Nisa Ismail, the CEO of Sedania As Salam Capital Sdn Bhd (SASC) with Niaga Spotlight, discussing the latest developments in Financial Inclusion through FinTech to address socioeconomic disparities, particularly in rural regions. Watch the interview here!

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