Return on Investment
Minimum Investment Amount
Upload all the required documentation and once approved, deposit RM100 to activate your account.
Once your account is activated, you can start investing in any available notes.
Go to the “Browse Investment Opportunity” section to view the ongoing funding opportunities.
Input the amount you want to invest under the “Investment Amount” column and click on “Confirm Investment” to complete your investment!
Guaranteed Islamic Investment Note (GN-i) is the new product offered by Funding Societies. This is a product that is structured based on Commodity Murabahah (via Tawarruq arrangement).
Funding Societies will provide financing to Micro, Small & Medium Enterprises (MSMEs) via investment notes, which are funded by investors. MSMEs will make payments (principal & return) to investors as per agreed schedule.
In contrast to the normal structure, investment notes issued under the Guaranteed series will be guaranteed by an appointed entity (Guaranteeing Entity). In the event of non payment by the Issuer (≥ 15 days past due (DPD), the Guaranteeing Entity will repay the principal and returns due to Investors. The rights to claim of debt from the Issuer will then be transferred to the Guaranteeing Entity.
You can identify the Islamic product by the financing type that starts with “MBI”. There will be 2 types of financing:-
A. Term Financing - MBIBG
B. Bullet Financing - MBISG
There are two types of payment structure, which are bullet and monthly equal installment. MBIBG has equal monthly installment, whereas MBISG has a bullet repayment structure.
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 paid in a timely manner where Issuers are delinquent/default on payments.
When an Issuer misses a payment (≥ 15 days past due (DPD)), the Guaranteeing Entity will step in and repay the principal and returns 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 payments
No. GN-i is open to all Investors.
Guaranteed Islamic Investment Note will be made available to investors via Auto-Invest as well as Manual Investment.
+65 6221 0958
+65 6011 7534
112 Robinson Road
+603 9212 0208
+603 2202 1013
Unit 15.01 & Unit 15.02,
Level 15, Mercu 3,
KL Eco City, Jalan Bangsar,
59200 Kuala Lumpur
(+84) 28 7109 7896
2/F Sonatus Building,
15 Le Thanh Ton,
Ben Nghe Ward,
Ho Chi Minh City, Vietnam
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.
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