The platform is cloud-based and API ready that integrates directly with your core banking systems through a 24/7 automated interface, including branchless operations with disbursement on a real-time basis.
As-Sidq Tawarruq is able to accommodate three types of Islamic finance instruments based on Tawarruq;
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Telecommunication Airtime Credit
Total financing facilitated
Financial Institution partners
real-time commodity trading
Total applications processed
Your financing products are ensured to uphold the Shariah requirements, as As-Sidq uses prepaid telecommunication airtime credit as the traded commodity
Digital Akad and Paperless
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All contracts and financing agreements are executed digitally via SMS or WhatsApp, between you and your customers while all financing applicants information will be stored in a Digital File
Integrated Trading Platform
Focused to minimize operational cost & human error by allowing a full integration while guaranteeing a Tawarruq trading Turn-around-Time (TAT) of less than 1 minute
A comprehensive and versatile dashboard for an easy reporting, auditing, data collection and management
Full flexibility in handling Tawarruq deposit transactions (24/7, 365 days trade availability at any amount)
Improve operation performance by reducing your workload by over 50% and increase loan processing by over 20%.
Every day and everywhere
Our Shariah Advisors
Dr. Zaharuddin Abd Rahman is one of those Shariah scholars in Fiqh, Usul al-Fiqh and Fiqh Muamalat including Islamic Banking and Finance, he possess both strong academic research background and hands on Islamic finance application in the Islamic banks. He obtained his first degree in Usuluddin from University Malaya of Malaysia, Master degree in Fiqh and Usul Fiqh from Al-Yarmouk University, Jordan and PhD in Islamic Studies and Finance from University of Wales, United Kingdom.
Dr. Aznan Hasan was educated at the University of Al-Azhar, Egypt where he obtained a Bachelor in Shariah (Hons.) in 1994. He holds a Master in Shariah (First Class) from Cairo University, Egypt and a Ph.D from University of Wales, Lampeter, United Kingdom. Dr. Aznan Hasan is an Assistant Professor in Islamic law and the former Head of Islamic Law Department, Ahmad Ibrahim Kulliyyah of Laws, International Islamic University Malaysia. He teaches subjects such as Islamic Legal Theory, Islamic Commercial Law and Islamic Banking and Finance at both undergraduate and postgraduate levels.