{"id":63,"date":"2014-08-29T08:00:40","date_gmt":"2014-08-29T08:00:40","guid":{"rendered":"http:\/\/wp\/?page_id=63"},"modified":"2026-02-12T02:00:06","modified_gmt":"2026-02-12T02:00:06","slug":"about","status":"publish","type":"page","link":"https:\/\/xanderia.com\/my\/about\/","title":{"rendered":"About"},"content":{"rendered":"<div id='av_section_1'  class='avia-section main_color avia-section-default avia-no-border-styling  avia-bg-style-scroll  avia-builder-el-0  el_before_av_section  avia-builder-el-first   av-minimum-height av-minimum-height-25  container_wrap sidebar_right' style='background-color: #5bb99d; background-repeat: repeat; background-image: url(https:\/\/xanderia.com\/wp-content\/uploads\/2020\/10\/pattern.png), linear-gradient(to bottom right,#43aeb7,#23b99b);background-attachment: scroll; background-position: bottom right;  '  data-section-bg-repeat='repeat' data-av_minimum_height_pc='25'><div class='container' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-63'><div class='entry-content-wrapper clearfix'>\n<div  style='padding-bottom:40px; color:#ffffff;font-size:50px;' class='av-special-heading av-special-heading-h2 custom-color-heading blockquote modern-quote  avia-builder-el-1  avia-builder-el-no-sibling  av-inherit-size'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Tentang Kami<\/h2><div class='special-heading-border'><div class='special-heading-inner-border' style='border-color:#ffffff'><\/div><\/div><\/div>\n\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><div id='av_section_2'  class='avia-section main_color avia-section-large avia-no-border-styling  avia-bg-style-scroll  avia-builder-el-2  el_after_av_section  el_before_av_section   container_wrap sidebar_right' style=' '  ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-63'><div class='entry-content-wrapper clearfix'>\n<div class='flex_column_table av-equal-height-column-flextable -flextable' ><div class=\"flex_column av_one_half  av-animated-generic left-to-right  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding first  avia-builder-el-3  el_before_av_one_half  avia-builder-el-first\" style='border-radius:0px; '><div  class='avia-image-container avia_animated_image avia_animate_when_almost_visible pop-up av-styling-    avia-builder-el-4  avia-builder-el-no-sibling  avia-align-center'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><img fetchpriority=\"high\" decoding=\"async\" class='wp-image-690 avia-img-lazy-loading-not-690 avia_image' src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2020\/11\/Xanderia-Logo-FA-20201109_withpadding.png\" alt='Personal Financing-i, Personal Loan' title='Xanderia-Logo-FA 20201109_withpadding' height=\"5330\" width=\"5828\" itemprop=\"thumbnailUrl\"  srcset=\"https:\/\/xanderia.com\/wp-content\/uploads\/2020\/11\/Xanderia-Logo-FA-20201109_withpadding.png 5828w, https:\/\/xanderia.com\/wp-content\/uploads\/2020\/11\/Xanderia-Logo-FA-20201109_withpadding-300x274.png 300w, https:\/\/xanderia.com\/wp-content\/uploads\/2020\/11\/Xanderia-Logo-FA-20201109_withpadding-1030x942.png 1030w, https:\/\/xanderia.com\/wp-content\/uploads\/2020\/11\/Xanderia-Logo-FA-20201109_withpadding-768x702.png 768w, https:\/\/xanderia.com\/wp-content\/uploads\/2020\/11\/Xanderia-Logo-FA-20201109_withpadding-1536x1405.png 1536w, https:\/\/xanderia.com\/wp-content\/uploads\/2020\/11\/Xanderia-Logo-FA-20201109_withpadding-2048x1873.png 2048w, https:\/\/xanderia.com\/wp-content\/uploads\/2020\/11\/Xanderia-Logo-FA-20201109_withpadding-1500x1372.png 1500w, https:\/\/xanderia.com\/wp-content\/uploads\/2020\/11\/Xanderia-Logo-FA-20201109_withpadding-705x645.png 705w\" sizes=\"(max-width: 5828px) 100vw, 5828px\" \/><\/div><\/div><\/div><\/div><div class='av-flex-placeholder'><\/div><div class=\"flex_column av_one_half  av-animated-generic right-to-left  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding   avia-builder-el-5  el_after_av_one_half  avia-builder-el-last\" style='border-radius:0px; '><section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'   itemprop=\"text\" ><h3>Siapa Xanderia Services Sdn Bhd<\/h3>\n<p>Xanderia Berhad adalah sebuah syarikat FinTech baharu yang beraspirasi untuk menjadi penyedia perkhidmatan FinTech patuh Syariah terkemuka di Asia Tenggara, menyediakan produk kewangan yang selamat melalui platform digital dan mudah alih berasaskan awan (cloud-based) yang memanfaatkan kecerdasan buatan (AI) dan analitik, untuk meningkatkan kecekapan produk dan menambah baik pengalaman pelanggan. Tumpuan diberi pada usaha menginsankan teknologi untuk mengoptimumkan pemprosesan pembiayaan Syariah dan pada masa yang sama memberi pulangan pelaburan kepada pemegang-pemegang taruh.<\/p>\n<p>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 2026.<\/p>\n<p>Matlamat kami adalah untuk menjadi penyedia perkhidmatan pembiayaan patuh Syariah terkemuka di Asia Tenggara.<\/p>\n<\/div><\/section><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='visionmission'  class='avia-section main_color avia-section-default avia-no-border-styling  avia-full-stretch av-parallax-section av-section-color-overlay-active avia-bg-style-parallax  avia-builder-el-7  el_after_av_section  el_before_av_section   container_wrap sidebar_right' style=' '  data-section-bg-repeat='stretch'><div class='av-parallax' data-avia-parallax-ratio='0.3' ><div class='av-parallax-inner main_color  avia-full-stretch' style = 'background-repeat: no-repeat; background-image: url(https:\/\/xanderia.com\/wp-content\/uploads\/2020\/10\/jannis-lucas-hzbQD8wz70c-unsplash-scaled.jpg);background-attachment: scroll; background-position: center center; ' ><\/div><\/div><div class='av-section-color-overlay-wrap'><div class='av-section-color-overlay' style='opacity: 0.7; background-color: #ffffff; '><\/div><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-63'><div class='entry-content-wrapper clearfix'>\n<section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  style='font-size:20px; '  itemprop=\"text\" ><p style=\"text-align: center;\"><strong>Visi Kami<\/strong><\/p>\n<p style=\"text-align: center;\">To build a future where financial progress is shared by all. Powered by innovation, delivered with fairness, and uplifted through fast, accessible and scalable financial pathways.<\/p>\n<p style=\"text-align: center;\"><strong>Misi Kami<\/strong><\/p>\n<p style=\"text-align: center;\">To empower communities with responsible, inclusive and Shariah-compliant financial access, and enable businesses with fast, secure and growth-driven digital financial solutions that strengthen values creation, efficiency and long-term profitability.<\/p>\n<p style=\"text-align: center;\"><strong>Nilai-Nilai Kami<\/strong><\/p>\n<p style=\"text-align: center;\">Progress, shared with purpose.<\/p>\n<p style=\"text-align: center;\"><strong>Pernyataan CSR Kami<\/strong><\/p>\n<p style=\"text-align: center;\">To achieve sustainable growth via trustworthy, responsible, ethical and equitable business practices. We also aim to be carbon neutral by 2026.<\/p>\n<\/div><\/section>\n<\/p>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><\/div><div id='av_section_4'  class='avia-section main_color avia-section-large avia-no-border-styling  avia-bg-style-scroll  avia-builder-el-9  el_after_av_section  el_before_av_section   av-arrow-down-section container_wrap sidebar_right' style=' '  ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-63'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_one_half  flex_column_div first  avia-builder-el-10  el_before_av_one_half  avia-builder-el-first\" ><section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'   itemprop=\"text\" ><h3>Xanderia Shariah Financing<\/h3>\n<ul>\n<li>100% Sah dan Patuh Syariah<\/li>\n<li>Pembiayaan Kadar Tetap<\/li>\n<li>Tiada cagaran diperlukan<\/li>\n<li>Satu-satunya syarat adalah anda tidak melebihi Nisbah Perkhidmatan Hutang maksimum 60% pada penyata pendapatan kerajaan anda.<\/li>\n<li>Pemotongan gaji dari sumber melalui Angkasa mengurangkan kerumitan menguruskan kewangan anda.<\/li>\n<li>Pemprosesan dan pengurusan pembiayaan hujung ke hujung digital secara automatik \u2013 melindungi anda daripada risiko komunikasi dekat di dunia pasca-COVID-19.<\/li>\n<li>Produk cekap kos dan boleh skala yang memanfaatkan pemohon - simpanan kami diserahkan, secara tidak langsung kepada anda.<\/li>\n<li>Merapatkan jurang kepada komuniti terabai yang ditolak oleh institusi kewangan tradisional kerana kekurangan produk fleksibel untuk komuniti tersebut.<\/li>\n<\/ul>\n<\/div><\/section><\/div><div class=\"flex_column av_one_half  flex_column_div   avia-builder-el-12  el_after_av_one_half  avia-builder-el-last\" ><section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'   itemprop=\"text\" ><h3>100% Patuh Syariah<\/h3>\n<p>Produk kami adalah 100% patuh syariah dan memastikan pemohon memasuki perjanjian rasmi dengan pemahaman penuh terhadap terma dan syarat perjanjian.<\/p>\n<p>Proses Tawarruq melaksanakan kaedah agensi duaan (Wakalah Duaan) yang diiktiraf oleh Bank Negara Malaysia. Proses ini membenarkan transaksi pertukaran komoditi untuk berlaku dengan lancar. Oleh itu, proses ini mempercepatkan tempoh penerimaan pembayaran pembiayaan anda.<\/p>\n<p>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.<\/p>\n<p>Muat Turun <a href=\"https:\/\/xanderia.com\/my\/kanz-prihatin-app-download\/\"><strong>Aplikasi Xanderia Shariah Financing<\/strong><\/a>\u00a0sekarang untuk mengetahui kadar yang anda layak terima!<\/p>\n<\/div><\/section><\/div><\/div><\/div><\/div><!-- close content main div --><\/div><div class='av-extra-border-element border-extra-arrow-down'><div class='av-extra-border-outer'><div class='av-extra-border-inner'  style='background-color:#ffffff;' ><\/div><\/div><\/div><\/div><div id='av_section_5'  class='avia-section main_color avia-section-default avia-border-extra-arrow-down avia-no-border-styling  avia-bg-style-scroll  avia-builder-el-14  el_after_av_section  avia-builder-el-last   container_wrap sidebar_right' style='background-color: #eaeaea;  '  ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-63'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_one_third  flex_column_div first  avia-builder-el-15  el_before_av_one_third  avia-builder-el-first\" ><div  class=\"avia-animated-number av-force-default-color  avia-color-  avia-builder-el-16  avia-builder-el-no-sibling  avia_animate_when_visible\"  data-timer=\"3000\"><strong class=\"heading avia-animated-number-title\" style='font-size:34px;'><span class=\"avia-no-number\">sehingga RM <\/span><span class=\"avia-single-number __av-single-number\" data-number_format=\"\" data-number=\"200\" data-start_from=\"0\">200<\/span><span class=\"avia-no-number\">,<\/span><span class=\"avia-single-number __av-single-number\" data-number_format=\"\" data-number=\"000\" data-start_from=\"0\">000<\/span><\/strong><div class='avia-animated-number-content' ><p>jumlah pembiayaan<\/p>\n<\/div><\/div><\/div><div class=\"flex_column av_one_third  flex_column_div   avia-builder-el-17  el_after_av_one_third  el_before_av_one_third\" ><div  class=\"avia-animated-number av-force-default-color  avia-color-  avia-builder-el-18  avia-builder-el-no-sibling  avia_animate_when_visible\"  data-timer=\"3000\"><strong class=\"heading avia-animated-number-title\" style='font-size:34px;'><span class=\"avia-no-number\">sehingga <\/span><span class=\"avia-single-number __av-single-number\" data-number_format=\"\" data-number=\"120\" data-start_from=\"0\">120<\/span><span class=\"avia-no-number\"> bulan<\/span><\/strong><div class='avia-animated-number-content' ><p>tempoh pembayaran<\/p>\n<\/div><\/div><\/div><div class=\"flex_column av_one_third  flex_column_div   avia-builder-el-19  el_after_av_one_third  avia-builder-el-last\" ><div  class=\"avia-animated-number av-force-default-color  avia-color-  avia-builder-el-20  avia-builder-el-no-sibling  avia_animate_when_visible\"  data-timer=\"3000\"><strong class=\"heading avia-animated-number-title\" style='font-size:34px;'><span class=\"avia-no-number\">serendah <\/span><span class=\"avia-single-number __av-single-number\" data-number_format=\"\" data-number=\"6\" data-start_from=\"0\">6<\/span><span class=\"avia-no-number\">.<\/span><span class=\"avia-single-number __av-single-number\" data-number_format=\"\" data-number=\"99\" data-start_from=\"0\">99<\/span><span class=\"avia-no-number\">%<\/span><\/strong><div class='avia-animated-number-content' ><p>kadar tetap tahunan<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='after_section_5'  class='main_color av_default_container_wrap container_wrap sidebar_right' style=' '  ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-63'><div class='entry-content-wrapper clearfix'><\/p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-63","page","type-page","status-publish","hentry"],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Islamic Personal Loans in Malaysia | Xanderia<\/title>\n<meta name=\"description\" content=\"Looking for Islamic Personal Loans in Malaysia? 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