Grow your wealth
the smart way

with Guaranteed Investment

Enjoy a guaranteed return between 6-8% p.a.

*with a minimum tenor of 18 months

Return on Investment

Guaranteed Principal and Interest Returns

Investment Period

1 - 24 months tenor

Minimum Investment Amount

Start as low as RM100

Why Funding Societies?

Largest SME Digital Financing Platform in Southeast Asia

Disbursed more than
RM 10 billion to over
5 million notes

More than 200,000
registered Investors
across SEA

Investors' funds managed
by Malaysian Trustees Berhad

Join our investor community

"Funding Societies gives investors the freedom to choose their investments through its digital platform. Returns are predictable and stable, such as with the Guaranteed Investment (GIN) notes. It reduces the risk of losing money, and some GIN notes repay every month, increasing my return on investment rate as I re-invest the repayments. Funding Societies is a great place to start your second stream of income without much hassle or big capital."

Rainbow Chan

Start Investing Now

FAQs

Guaranteed Investment Note (GIN) is part of Funding Societies’ initiatives to offer a wider variety of products to cater for different investors’ preference. At present, there are two products under the Guaranteed series (both 100% principal & return guaranteed investment):

1. MBBG - Guaranteed Investment Notes (Term Financing)
2. MBSG - Guaranteed Investment Notes (Bullet Financing)

As per existing products, Funding Societies will provide financing to Micro, Small & Medium Enterprises (MSMEs) via investment notes, which is funded from investors. MSMEs will make repayments (principal and interests) to investors as per agreed schedule.

However, investment notes issued under the Guaranteed series will be guaranteed by an appointed entity (Guaranteeing Entity). In the event of non repayment by the Issuer (≥ 15 days past due (DPD)), the Guaranteeing Entity will repay the principal and interest due to Investors. The rights to claim of debt from the Issuer will then be transferred to the Guaranteeing Entity.

The investment notes will be guaranteed by an appointed entity (Guaranteeing Entity). The Guaranteeing Entity maintains capital and cash reserve buffers to ensure investors are repaid in a timely manner when issuers are delinquent / default on repayments.

In exchange for the Guaranteeing Entity bearing the non-repayment risk, a fee will be paid to the Guaranteeing Entity. In other words, investors are giving up some of the potential upside (potential interest earned) in exchange for more stable and consistent returns.
 

When an Issuer misses a repayment (≥ 15 days past due (DPD)), the Guaranteeing Entity will step in and repay the principal and interest due to Investors. The rights to claim of debt from the Issuer will then be transferred to the Guaranteeing Entity.

There may be a possibility that the Guaranteeing Entity is not able to fulfill its financial obligations in a timely manner.

However, there are several mechanisms in place to ensure that the Guaranteeing Entity has the capabilities to meet its financial obligations. For instance, the Guaranteeing Entity is required to maintain capital and cash reserve buffers to ensure investors are repaid in a timely manner when Issuers default on repayments.
 

No. GIN is open to all Investors.

Guaranteed Investment Note will be made available to investors via Auto-Invest as well as Manual Investment.

Access your Investments
anytime, anywhere
with our App

Access your Investments
anytime, anywhere
with our App

Indonesia

Pendana
[email protected]
+62 878 2325 1976

Peminjam
[email protected]
+62 877 7873 6144

Unifam Tower, Jl. Panjang Raya
Blok A3 No.1, Kedoya Utara,
Kebon Jeruk, Jakarta Barat,
DKI Jakarta, 11520, Indonesia

Singapore

[email protected]
+65 6221 0958

112 Robinson Road
Level 8
Singapore 068902

Malaysia

[email protected]
+603 2202 1013

Unit 15.01 & Unit 15.02,
Level 15, Mercu 3,
KL Eco City, Jalan Bangsar,
59200 Kuala Lumpur

Thailand

[email protected]
+66 93 139 9721

No. 188, Spring Tower,
11th Floor, Phayathai Road,
Thung Phaya Thai Sub-district,
Ratchathewi District,
Bangkok, 10400

Vietnam

[email protected]
(+84) 28 7109 7896

2/F Sonatus Building,
15 Le Thanh Ton,
Ben Nghe Ward,
District 1,
Ho Chi Minh City, Vietnam

languageEnglish
lockSSL Secure Site

Get the investor app

Registered with Securities Commission Malaysia.
Modalku Ventures Sdn Bhd 201601019329 (1190266X)
© 2020 Modalku Ventures Sdn Bhd. All rights reserved. 

Funding Societies is a SME Digital Financing Platform registered with Securities Commission Malaysia. It does not fall under the jurisdiction of Bank Negara Malaysia. Therefore, financing products of Funding Societies should not be constructed as business loan, SME loan, micro loan, term loan or any other loans offered by banks in Malaysia and it is to be deemed as an investment note as defined in the Guidelines on Recognised Markets.

Disclaimer: All third party trademarks, product and company names are the property of their respective holders.