Cash-i Muamalat Debt Management

Solutions to your financial needs. Whether you need extra money for a rainy day or an opportunity that can’t wait, we have the solution for you.

Product Features

Enjoy up to RM400,000* financing
Up to 10 years tenure
Profit Rate as low as 2.77% p.a.
No Guarantor
Debt Consolidations
No Processing Fee
No Hidden Charges
Term Description
Concept Tawarruq
Selling price Fixed and Known Upfront
Takaful Protection Highly encouraged
Choices Mode of Payment Salary Deduction / Salary Transfer / Standing Instruction / Pension Transfer
Wasiat/Will Writing Optional
Structure of Product Muamalat Personal Financing-i (Tawarruq) is a financing facility that is designed to provide cash financing to the customers for personal consumption/ use which does not contravene with the Shariah principles.Generally, this product is based on Tawarruq as its underlying Shariah concept for provision of financing. The financing structure under the Tawarruq arrangement involves the combination of Wa’d Mulzim, Murabahah, Wakalah and Bai’ Wadhi’ah contracts.
Shariah Concepts
  • Tawarruq consists of two sale and purchase contracts where the first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash basis.
  • Murabahah refers to a sale and purchase of an asset where the acquisition cost and the mark-up are disclosed to the purchaser.
  • Wakalah refers to a contract where a party, as principal (muwakkil) authorizes another party as his agent (wakil) to perform a particular task on matters that may be delegated, with or without imposition of a fee.
  • Wa’d is a unilateral promise which refers to an expression of commitment given by one party to another to perform certain action(s) in the future.
  • Bai’ Wadhi’ah is a sale contract whereby the asset / commodity is sold at lower price than the cost incurred by the Customer.


Debt Settlement & Cash Consumption



Also known as Pembiayaan Pengurusan Kewangan (PPK)


Who Can Apply

Malaysia Armed Forces



  • Minimum: 2 years
  • Maximum: 10 years


Financing Amount

  • Armed Forces – Lain-Lain Pangkat (LLP) :
    • Minimum : RM 5,000.00
    • Maximum : RM 80,000.00
  • Armed Forces Officer & Civilian (Government)
    • Minimum : RM 5,000.00
    • Maximum : RM 150,000.00


Profit Rate

Competitive Flat & Floating Rate


Mode of Payment

Salary with BMMB


Wasiat/Will – writing

Optional (highly encourage)



Optional (highly encourage)


Documents Required

  • Copy of NRIC or ID (front and back)
  • Latest 1 month salary slip (Flat Rate)
  • Latest 2 months salary slip (Floating Rate)
  • Employment Confirmation Letter
  • Latest Settlement Statement
  • Investment Statement (if applicable)


Repayment Table

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2024-02-23 08:37:52