Digital Financing you can trust

Tazee is a fully digital service by Wawasan Cojaya Sdn. Bhd. (a licensed financing solution in Malaysia) offering Shariah-compliant financing. All financing is structured as Tawarruq (Commodity Murabahah) and executed via Sedania’s As-Sidq Digital Commodity Trading Platform.

Shariah-compliant personal financing is a financing solution that follows Shariah principles. In Tazee, financing is structured as Commodity Murabahah via Tawarruq, involving the purchase and sale of a digital commodity through an Islamic commodity trading platform.

Yes. Tazee financing applies Commodity Murabahah via Tawarruq, and a Shariah compliance certificate has been obtained from Masryef (Malaysia Shariah advisory firm) confirming that the processes at Wawasan comply with Shariah principles.

When you request financing, Tazee facilitates the required commodity purchase and sale steps through an Islamic commodity trading platform (Sedania As-Sidq) as part of the Tawarruq process. This structure ensures the financing follows Shariah requirements.

The available financing amount depends on eligibility and internal assessment. Currently, Tazee offers financing from RM320 up to RM6,000.

At the moment, the maximum financing amount offered is RM6,000. This limit may be reviewed in the future based on internal policy and customer payment history.

Tazee offers fixed terms of 30 days (1 month), 60 days (2 months), or 90 days (3 months). Your due date and payment schedule will be shown in your Tazee account and in your agreement.

The fixed profit rate is 3.00% per month for financing between RM320 and RM6,000.

This is due to upfront deductions applied before disbursement, which include: Wakalah Fee — RM20 (agency appointment & administration for Tawarruq execution) Stamping Fee — RM10 (as per Stamp Act 1949) Commodity Trading — RM20 (cost of commodity trading via the platform) Processing Fee — RM70 (administrative, operational, risk assessment & documentation costs) Total upfront fees: RM120 (deducted before disbursement)

Yes. A late payment charge of 10% per annum on the overdue amount applies in the event of late payment.

Yes. You may pay early at any time. Please note: no rebate (ibra’) applies for early partial or full payment.

Yes. We report to relevant financing history reporting agencies. Timely payment may support your profile, while late or missed payments may affect future financing eligibility.

Eligibility is subject to internal assessment. Basic criteria include: Malaysian citizen, aged 18 to 60 Valid MyKad Minimum income (subject to internal policy)

Yes. Approval is subject to internal assessment and verification.

MyKad only.

After approval and completion of the Tawarruq transactions, the disbursed amount (after upfront deductions) will be credited to your bank account.

Payments can be made from your Tazee account using available options, such as: Online banking / Bank account FPX payment link E-wallet DuitNow (Available methods may vary depending on your bank/provider.)

You can check your status in your Tazee account. Common statuses include: In Review — your application is being assessed Approved — approved and pending/complete processing steps Not Approved — your application was not approved You may also receive updates via SMS/email where applicable.

Direct payments to a company bank account are not supported. Please make payments through the available options in your Tazee account (e.g., Bank account/online banking, FPX link, E-wallet, DuitNow) to ensure your payment is correctly matched to your agreement.

Yes, partial payments may be allowed until your due date. Please note: PDL (30 days): The full amount due must be settled by the due date. IL (2 or 3 months): Each instalment must be paid by its scheduled due date. To help you stay on track, we provide a 3-day grace period after the due date. During this period, you can make a payment without being charged a late payment fee.

Your due date is the last day to make a payment before it is considered late. You can check your due date anytime in your Tazee account (web or app). We also provide a 3-day grace period after the due date, giving you extra time to make a payment without being charged a late payment fee.