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Guaranteed Islamic Investment Note
Investment gains meet
Shariah-compliant standards with GN-i
Enjoy guaranteed returns up to 8% p.a. before service fees and taxes.
Return on Investment
Guaranteed Principal
and Returns
Investment Period
Up to
24 months tenor
Minimum Investment Amount
Start from as low
as RM100
Sign Up to start your investment journey with Funding Societies
Whether you’re a beginner or an experienced investor, starting your Islamic investment journey with us is easy. Just fill in the particulars below and click “Sign Up”.
How To Sign Up?

Verification
Upload all the required documentation and once approved, deposit RM100 to activate your account.

You're all set!
Once your account is activated, you can start investing in any available notes.
How To Invest?
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Choose the note(s)
Go to the “Browse Investment Opportunity” section to view the ongoing funding opportunities.

Begin your investment journey!
Input the amount you want to invest under the “Investment Amount” column and click on “Confirm Investment” to complete your investment.
Join Our Investor Community
Take a look at this video for a testimony from one of our investors.
Frequently asked questions
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What is the Guaranteed Islamic Investment Note (GN-i)?
The Guaranteed Islamic Investment Note (GN-i) is an Islamic investment product offered by Funding Societies. It is Shariah-compliant and provides guaranteed returns, making it a secure halal investment option for investors who prefer investments aligned with Islamic finance principles. This is a product that is structured based on Commodity Murabahah (via Tawarruq arrangement). If you'd like to find out more about Funding Societies' GN-i Islamic investment, check out this article.
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How does GN-i work?
GN-i works through Shariah-compliant investment strategies, ensuring that all investments adhere to Islamic finance rules. This makes it an attractive option for those looking to diversify their portfolios with Islamic investments.
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 the 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 debt will then be transferred from the Issuer will then be transferred to the Guaranteeing Entity.
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What is the product code?
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 -
What is the payment structure?
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.
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Who is providing the guarantee?
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.
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What happens in the event of delinquency/default?
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.
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What are the risks involved with GN-i?
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.
While GN-i is a Shariah-compliant investment with guaranteed returns, investors should still consider general risks associated with Islamic investment products. These risks are mitigated through compliance with Islamic finance principles, making it a more secure option for those seeking halal investments.
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Any terms and conditions to participate in GN-i?
No. GN-i is open to all Investors.
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How do I invest in GN-i?
Guaranteed Islamic Investment Note will be made available to investors via Auto-Invest as well as Manual Investment.
To invest in GN-i, you can apply directly through Funding Societies. As a Shariah-compliant Islamic investment, GN-i offers a simple process to invest in halal investment opportunities aligned with Islamic financial ethics.
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Who is eligible to invest in GN-i?
GN-i is open to all investors looking for a halal investment that follows Islamic investment guidelines. Whether you're a seasoned investor or new to Islamic investments, GN-i provides a guaranteed returns option that complies with Shariah law.
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Guaranteed Investment Note (GN)
Principal and Returns Guaranteed
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Tenor up to 24 months
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Tenor up to 36 months
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