Who is Xanderia Services Sdn Bhd?
A wholly owned subsidiary of Xanderia Berhad which is an emerging FinTech company with aspirations to become a leading Shariah compliant FinTech service provider across South East Asia, delivering Shariah financing products via cloud-based secure mobile and digital platforms that leverage AI and analytics, to enhance product efficacy and improve customer experience. The focus is on humanizing technology to optimise Shariah financing processes, whilst delivering ROI to stakeholders.
We intend to achieve our goals by focusing on a strategy of sustainable growth delivered via technology platforms targeted at key addressable markets and communities with bespoke products. Our aim is to disrupt the B-40 financing market which is currently underserved by the current financial service providers. We are a responsible and ethical lender to a community that needs principled lending practices. As a company, we aim to be carbon neutral by 2025.
Our aim is to be the leading Shariah compliant financing service provider in South East Asia.
Xanderia Shariah Financing
- 100% Legal and Shariah Compliant
- Fixed Rate Financing
- No collateral required
- Only requirement is that you do not exceed a maximum Debt to Service Ratio of 60% on your government payslips.
- Salary deduction from source through Angkasa reduces the hassle of managing your finances.
- End-to-end digital and automated finance processing and management – protects you from the risk of close contact in a post COVID-19 world.
- Scalable and cost efficient product which benefits the applicant – our savings are indirectly passed onto you.
- Bridging gaps to the underserved community otherwise turned away by traditional financial institutions due to lack of flexible products for this segment.
Fully Shariah Compliant
Our products are fully shariah compliant and will ensure the applicant enters into a formal agreement with full understanding of the terms and conditions.
The Tawarruq process is implemented via dual-agency (Dual Wakalah) method as recognised by Bank Negara Malaysia. This allows the commodity exchange transaction to happen uninterrupted, thereby removing the usual delays in receiving your financing payout.
Enjoy attractive financing rates as low as 6.99% p.a. with no collateral required. The rate we provide you is fixed for the full financing term.
Download the Xanderia Shariah Financing App now to find out which rate you qualify for!
financing amount
payment tenure
fixed rate per annum