Digital Muamalat

Redefining Sharia Compliant - Contract-Based Core Banking Solution

We are finance consumer like you. Passed the days we keep money under the pillow. We all mostly use banks. But it is us also to go through the extra charges, penalty, higher interest – just because the contract is not clear and fair for all of us. Since 1983 when Islamic banking was introduced by Malaysia, we are still doing modified conventional banking till now but not yet to be fully Sharia compliant.

Introducing Saadiqin

That’s why we build Saadiqin after years of research. Saadiqin is created  to offer non-banking entities, including you and me, the consumer.

We offer a transparent, fair distribution and no hidden charges financing with Saadiqin. We want to invite you for the enhanced Sharia compliant financing – not just on names.

Nothing is more frustrating in applying contracts and fulfilling its requirements than the unclear terms, uncertain sources of income and hidden unknown risk upon us. With Saadiqin, we offer you and the non-banking institutions to improve Sharia compliance process in finance.

Saadiqin Modules


Current Accounts/ Savings Accounts


Asset Based Financing


Lease Based Financing


Equity Based Financing


Investment Accounts

Saadiqin Features


The devil is in the details - often times, we as a consumer do not understand our contracts - it leads to uncertainty (gharar) of which companies should help you make clear with. With Saadiqin, contracts are mutual for both sides understanding and needs.

No shubhah - no unsure sources

To be Sharia compliant, financing should also be sure of its source of finance, how the source of finance is worked, and they should have a clear asset and selling price during the akad (contract) process with you. Saadiqin protects you as you actually own something, not just loan on a thin air.

Fair transaction

Yes, the financing companies can gain profit but Saadiqin make sure you are not at loss too. We make sure the distribution of risk is fair to both sides and not scrutinising you or the companies.

Thorough throughout

With Saadiqin, we help you with a clear transparent financing from the start until you settle your debts. We do not generalize the contract and we make sure the four steps flow.


You can use Saadiqin according to your financial needs and modify the contracts automatically based on the types of Islamic finance available.

Plug & Play Modules

Fret not when your financing needs to add new policies or terms - all the new requirements can be easily configured within the system easily by Plug & Play. Thanks to it being modular.

Fulfilling the call of Islamic Financing

Those who devour usury will not stand except as stand one whom the Evil one by his touch Hath driven to madness. That is because they say: “Trade is like usury,” but Allah hath permitted trade and forbidden usury. Those who after receiving direction from their Lord, desist, shall be pardoned for the past; their case is for Allah (to judge); but those who repeat (The offence) are companions of the Fire: They will abide therein (for ever).

Al-Baqarah  2:275

Our Clients and Partners

We have started to educate and share our works in Digital Muamalat and Saadiqin specifically since 2017. We started with two segments and this year, we are looking forward to reach out to more people and institutions.

Universitas Muhammadiah Jakarta (UMJ)

Understanding how Sharia compliant finance work is very needed. We have started to collaborated with Universitas Muhammadiah Jakarta (UMJ) since August 2018 where we train the trainers, on Islamic banking, wadiah and murabahah.

Credit Cooperation (Koperasi kredit)

This is one of our first market segments when we started. We have worked with KEKAL (Koperasi Pendidikan Usahawan Berhad) to assist them in giving out business financing.

We are also excited to involve in the future of finance: P2P financing. For Saadiqin, we have partnered with to extend our initiatives here in Malaysia, with them in Indonesia.  

Non-banking Financial Institution

We look forward to include non-banking financial insitutes such as non-cooperation financing bodies, insurance firms, microloan organizations, payday lending and many more.