2021 Impact Report

What’s
Inside
4-5
MESSAGE FROM GCEO Total Collection

6-7
OUR PURPOSE AND FOCUS
RM 3,343,746.53
8-9
HISTORICAL MILESTONES
10-17
ASSURING GOVERNANCE
• Donation and Distribution Process Total Disbursement

3,628,874.21
• Fund Categories
• Management of Fund RM
• Governance of Sadaqa House
• Governance Organs and Roles and Responsibilities
• Sadaqa House and Zakat Committee
18-32
2021 STORIES AND IMPACT DISCLOSURES
33-48
RAISING POTENTIAL THROUGH BangKIT Total BangKIT Microfinance
• Objectives of BangKIT Microfinance Disbursement

1,572,000.00
• Our Efforts to Manage Risk of Non-Repayment
• Bangkit Entrepreneur Development Programme RM
to Create Upward Mobility
• Impact Measurement for Upward Mobility
• Progress and Success Stories
as at 31 December 2021
• Progress and Success Stories
• Target for Financial Year End (FYE) 2022 and
Request for Donation to Perpetual Fund
Beneficiaries

4,905
50-55
FINANCIAL POSITION
• Fund Collection
• Fund Disbursement for Direct/Specific Projects (inclusive of 140 BangKIT
from January to December 2021 Microfinance participants)
• Fund Disbursement from 2018 to December 2021
• Fund Disbursement for General Recipients from
January to December 2021
• Total Disbursement as at 31 December 2021
• Investment
56-58
TESTIMONIALS
59
CHANNELS OF CONTRIBUTION
Together
We Rise
S
adaqa is all about wealth distribution
– the highest process in managing
wealth from an Islamic perspective.
Sadaqa House facilitates this initiative of
giving back to society by playing a vital
role as an intermediary and meeting point
between donors, change-makers and
beneficiaries.

It is a charity crowdfunding platform where

potential donors and charity projects meet
at a common point facilitated by Bank
Islam Malaysia Berhad (BIMB) to fulfil the
needs of both donors and beneficiaries.
Aimed to deliver positive and sustainable
impact, every aspect of the process is
implemented with good governance
and professional fund management,
instilling greater trust and assurance
that contributions to Sadaqa House are
channeled towards impactful projects that
benefit lives directly.

Embodying a true Malaysian spirit, Sadaqa

House practices an inclusive approach in
terms of its policies. Regardless of religion,
all are welcomed and served by Sadaqa
House as donors and beneficiaries.
This approach comes from BIMB’s belief
that opportunities should be open to all in
propagating a philanthropic culture and
helping all Malaysians to manage their
donations from end-to-end.
Message
from GCEO
In the name of Allah, most gracious and most merciful
Assalamualaikum and hello everyone,

S
ince we began in 1983, BIMB has always Using the digital platform that transcends
strived to become an exemplary Islamic geographical boundaries, Sadaqa House offers
finance institution. We aim to deliver a everyone a readily accessible and convenient
comprehensive Shariah-compliant financial means, and the opportunity to contribute to noble
solutions to every customer segment. causes or social projects. With proper governance,
We believe that Islamic Finance should not policies and frameworks, contributors can be rest
focus only on commercial aspects, but also assured that the funds donated are channelled
pursue the Islamic Social Finance agenda. properly. Regular progress reports of each project
This will allow us to show the beauty and are made public, including the issuance of an
effectiveness of Islamic Finance that aims to annual impact report.
give prosperity to all.
The outbreak of the COVID-19 pandemic and the
BIMB has redefined the Islamic financial recent floods further highlighted the importance
landscape by offering its Islamic charity and urgency of a dedicated digital channel
crowdfunding platform – which we call to quickly raise funding to assist those whose
Sadaqa House – in 2018. This is aligned with income were affected. For example, we were able
the Value-Based Intermediation principle to provide responsive financial aid assistance to
introduced by Bank Negara Malaysia. the families of those students supported by Brain
Sadaqa House aims to strengthen our social for Future. We also supported the Institut Jantung
finance agenda while creating a new digital Negara Foundation’s Food Voucher programme,
narrative where a funding platform works which sponsored food packs to the families of
together with traditional banking to give 200 patients. In addition, we supported remote
positive impact to the society, especially the learning activities by providing tablets to students
most vulnerable segments. for online learning. We also helped more than
400 recipients with flood relief efforts.
The projects under Sadaqa House are
carried out via partnerships with selected Alhamdulillah, with support from generous donors,
change-makers in various fields to ensure Sadaqa House accumulated over RM3.3 million
efficient delivery of the much-needed in donations throughout 2021. Meanwhile,
assistance. I am pleased to highlight that disbursement in 2021 benefitted almost 5,000
currently, Sadaqa House has 35 active beneficiaries involving RM3.6 million.
change-makers that support more than 6,000
individuals under their various initiatives. To explore the untapped potential of social
finance instruments, BIMB launched the
BangKIT microfinancing programme in 2020.
This programme is funded by the Sadaqa House
Perpetual Fund. BangKIT aims to assist unbanked
and underbanked micro-entrepreneurs.
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 Together
We Rise

The holistic blended finance programme provides the financial support to micro-entrepreneurs in
the form of benevolent loans (or qard al-hasan) to start or expand their business. This programme
also provides the participants with business training, monitoring and coaching to improve their
business skills and knowledge.
To ensure long-term sustainability of business for these micro entrepreneurs, BangKIT also
supports them to build a credit track record that will qualify them for other types of financing in
the future. We are happy to note that 140 entrepreneurs have benefitted through RM 1.5 million in
financing provided to them within a year of BangKIT's launch.
Through Sadaqa House, BIMB won the Excellence Award
for Islamic Social Finance 2021 at the Islamic Retail Banking
Awards. The Bank was also honoured as the Company of the
Year for Outstanding Community Support 2021 by CSR Malaysia.
These achievements are impossible without the collective
efforts from various stakeholders, change-makers, and most
importantly, our donors for their contribution to supporting the
community.
We will expand our reach to more groups, sectors, and
community-based projects promoting the “Malaysians care for
Malaysians at Sadaqa House” campaign. The campaign will
include initiatives to assist orphans with an education and
welfare plan, and create a development programme for
microfinancing entrepreneurs.
We are committed to playing a more significant
role in fostering greater social resilience through
value, impactful and innovative business
solutions and practices by leveraging Islamic
Social Finance instruments as the country
advances to recovery post-COVID-19.
And with that I’m pleased to present to you
our Sadaqa House Impact Report 2021.
We hope these milestones will help raise the
importance and acceptance of Islamic Social
Finance in the financial ecosystem and
create new opportunities in ensuring no one
is left behind, charting a better future for our
beloved country.
On behalf of BIMB, I thank you for your
continuous support, contribution, and trust.
May Allah bless our efforts.

Sincerely,

Mohd Muazzam Mohamed

Group Chief Executive Officer
Bank Islam Malaysia Berhad
Our Purpose
and Focus
B
IMB, through Sadaqa House, is growing its aspiration to become a
leading Islamic Bank in social finance. As a charity crowdfunding platform,
Sadaqa House has become a meaningful channel to give back to society
by playing a vital role as an intermediary and meeting point between donors,
change-makers and beneficiaries.

With responsibility, accountability and transparency, Sadaqa House collects,

manages and distributes donations from the public towards realising identified
charitable projects for underserved communities.

The four main sectors where funds are channeled are Community Empowerment,
Healthcare, Education and Environment. These are in line with the underpinning thrust
of Bank Negara Malaysia’s Guidance Documents on Value-Based Intermediation (VBI)
for Islamic banks.

Community
Empowerment Education

Environment
Healthcare

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We Rise

COMMUNITY
EMPOWERMENT HEALTHCARE

• Sadaqa House aims to enable • Sadaqa House aims to support

and support community-led underserved communities to
actions that strengthen social have access to quality health
cohesion and inclusivity through treatment.
sustainable economic and • At the moment, Sadaqa House
social empowerment within has collaborated with the
communities. following change-maker under
• At the moment, Sadaqa House the Healthcare sector focus:
has collaborated with the >> Institut Jantung Negara
following change-makers under Foundation (IJNF)
the Community Empowerment
sector focus:
>> Yayasan Sultanah Bahiyah
(YSB)
>> MyVista (MV)
>> Mercy Mission Malaysia
(MMM)

EDUCATION ENVIRONMENT

• Sadaqa House aims to support • Sadaqa House aims to

efforts of community to ensure protect natural capital and
every child has access to quality resources through building of
education with emphasis on environmental consciousness
holistic learning outcomes. as well as supporting renewable
• At the moment, Sadaqa House energy efforts.
has collaborated with the • At the moment, Sadaqa House
following change-makers under has collaborated with the
the Education sector focus: following change-maker under
>> Buku Jalanan Chow Kit the Environment sector focus:
(BJCK) >> Universiti Teknologi Malaysia
>> Brain For Future (BFF) (UTM)
>> Pertubuhan Kegiatan
Dakwah Islamiah
Sekolah-sekolah Malaysia
(PEKDIS)

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 Historical
Milestones
T
he idea of Sadaqa House was first mooted by Dato’ Dr. Abdul Halim Ismail,
the first Managing Director of BIMB, when he received the Royal Award for Islamic
Finance on 2 September 2014. His wish was to implement Sadaqa House as an
Islamic banking product. In his public lecture, he envisioned the establishment of an
institution governed by a regulator to provide products and services to collect various
types of social welfare funds such as sadaqah, waqf and, hibah from the private sector
and distribute these to the poor and needy in our society. Inspired by his vision,
BIMB has cooperated with Kolej Universiti Islam Antarabangsa Selangor (KUIS) through
its International Research Centre of Islamic Economics and Finance (IRCIEF) to initiate a
study on the viability of the idea to be implemented within a banking framework.

Chronological Development of Sadaqa House:

20 29 October 2015
October Seminar on Sadaqa House was held
at Menara Bank Islam, Kuala Lumpur,
2014 organised by BIMB and IRCIEF.

BIMB cooperated with IRCIEF in 19 April 2017

commencing research on the viability of Seminar on Zakat, Waqf &
Sadaqa House within the Islamic banking Sadaqah and the launch of
framework. The research focused on Sadaqa House Green Report
four areas: was organised by BIMB and
• Shariah • Taxation IRCIEF in Kuala Lumpur.
• Legal • Governance
In November, The Sadaqa House
The Chief Shariah Officer of BIMB Book was launched at World
served as a steering committee member Islamic Economic Forum 2017
together with Dato’ Dr. Abdul Halim Ismail in Kuching, Sarawak.
and Professor Dato’ Dr. Abdul Halim The publication of the book
Tamuri (Rector of KUIS). was sponsored by BIMB.

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 Together
We Rise

2021

Sadaqa House has

received two awards:
• Excellence Award
for Islamic Social
Finance 2021 (IRBA)
January 2020 • Company of the
Sadaqa House Year for Outstanding
was internationally Community Support
recognised when the 2021 (CSR Malaysia)
initiative received the
Best Social Finance
19 January 2018 Initiative Award
The launching of from Cambridge
Sadaqa House during International Financial
Karnival Kewangan Advisory in conjunction
Bank Negara Malaysia with Islamic Retail
at Alor Setar, Kedah Banking Award (IRBA)
as a strategic initiative by Cambridge IFA 2019.
under VBI agenda.

Sadaqa House Website November 2020

also was launched in The launching
November 2020. of BangKIT
Microfinance,
initiative from BIMB
to help unbankable
micro-entrepreneurs.

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Assuring
Governance
DONATION AND DISTRIBUTION PROCESS

Sadaqa House ensures good governance is adopted and implemented in the

end-to-end process of managing donation funds from the public.

In BIMB, there is a dedicated internal oversight management sub-committee named

as Sadaqa House and Zakat Committee to provide oversight and direction on the
strategies, processes and activities of Sadaqa House.

SADAQA HOUSE FUND STRUCTURE MODEL

SOURCE OF FUNDS FUNDS MANAGEMENT

Perpetual Fund

A portion from Friday

prayer collection Investment managed
every week by BIMB

Direct Fund
• Individuals
• Institutions/Companies

General Fund
• Purification fund
• Corporate donation

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We Rise

FUNDS DISTRIBUTION

Fund 1: Donation received will be invested and only

returns will be distributed to beneficiaries/projects
Fund 2: Direct distribution through BangKIT Change-makers
Microfinance through collaboration with change-makers.
The principal will be returned to the Perpetual Fund Project
1
Project
The funds will be distributed to the donor’s 2
selected projects
Project
3
The funds will be distributed at the discretion of
the Sadaqa House and Zakat Committee
General
Recipients

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Assuring
Governance

FUND CATEGORIES

PERPETUAL FUND
Contributions are invested and the proceeds of the investment will be
channeled to the beneficiaries.

This fund is also used to provide BangKIT Microfinance based on

Qard (benevolent loan) contract.

DIRECT FUND
The fund will be directly contributing to change-makers and Sadaqa House
projects.

GENERAL FUND
Contributions for special projects to be determined by Sadaqa House.

MANAGEMENT OF FUND
Sadaqa House is operated by the Group Financial Inclusion Division of Bank Islam
and is guided by Sadaqa House Management Guideline, which was approved by the
Management Risk Control Committee and Shariah Supervisory Council of the Bank.
The Sadaqa House and Zakat Committee is the dedicated management
sub-committee that provides oversight and direction on the strategies, processes,
and activities of Sadaqa House.

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GOVERNANCE OF SADAQA HOUSE

In managing the public donations of Sadaqa House, the Bank remains steadfast in
promoting and sustaining a strong culture of corporate governance in order to protect
the interests of all stakeholders, including the donors and beneficiaries. In this respect,
the Board is fully committed to adopting high standards of business integrity, ethics
and professionalism with the right executive leadership and strategy. At the same time,
the Board ensures internal controls, risk management and compliance to Shariah rules
and principles govern all of the Bank’s initiatives, including Sadaqa House.

To achieve the said objectives, the Board adopts the requirements of Bank Negara
Malaysia (BNM)’s Corporate Governance Policy issued on 3rd August 2016, Malaysian
Code of Corporate Governance 2021 and other relevant requirements as outlined
under the respective policy documents by BNM.

The governance structure in managing Sadaqa House is illustrated below:

BOARD COMMITTEES

Shariah Board of
Supervisory Directors
Council

Board Strategy Board Audit Board Risk

and Sustainability Examination Committee
Committee Committee
MANAGEMENT COMMITTEES

Sadaqa House Management Management

and Zakat Committee Risk Control
Committee Committee
EXECUTIVE

Group Financial Group Internal

Inclusion Audit

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Assuring
Governance

GOVERNANCE ORGANS AND ROLES AND RESPONSIBILITIES

1. Board of Directors
• The Board has the overall responsibility to establish an effective governance
arrangement to facilitate effective monitoring and controlling of the overall
management and conduct of the Bank which includes Sadaqa House.

2. Shariah Supervisory Council (SSC)

• Advise and provide clarification on relevant Shariah rules and principles in
operating Sadaqa House funds.
• Ensure information published in promotional materials, manuals and other
publications used in the Sadaqa House fund operations are in compliance with
Shariah principles.
• Issue an annual confirmation report on the Shariah compliance status of
Sadaqa House.

3. Board Strategy and Sustainability Committee (BSSC)

• Assist the Board to oversee, supervise and monitor the implementation of
identified key strategic matters that the Board has endorsed or approved,
including the Bank’s initiatives to become the leading Islamic bank for social
finance.
• Sadaqa House is one of the strategies that is closely monitored by BSSC
through frequent updates for deliberation.
• Quarterly performance reports of Sadaqa House are presented to BSSC for
notification and deliberation.

4. Board Risk Committee (BRC)

• Assist the Board in ensuring that a sound and robust risk management
framework, as expected by BNM, is in place and effectively implemented.
The BRC provides an independent oversight on the Sadaqa House activities
in managing credit risk, market risk, operational risk, legal risk, Shariah risk
and other risks, and ensures that the risk management process is in place and
functioning.
• Approve the establishment of guidelines and procedures for end-to-end
management of Sadaqa House.
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We Rise

5. Board Audit Examination Committee (BAEC)

• Review the effectiveness of internal controls and risk management processes
of Sadaqa House.
• Review audit reports on Sadaqa House and ensure appropriate necessary
corrective actions have been taken in timely manner to address control
weaknesses, policies and other problems identified by the internal audit and
other control functions.

6. Management Risk Control Committee (MRCC)

• Responsible for performing the oversight functions to ensure effective risk
management of key issues related to the overall risk management of Sadaqa
House.
• Quarterly performance reports of Sadaqa House are presented to the
management for notification and deliberation.

7. Sadaqa House and Zakat Committee (SHZC)

• Assist MRCC in performing independent oversight and provide direction in
respect of the management, operations and performance of Sadaqa House.
• Evaluate and approve the selection of change-maker, project/campaign as well
as any relevant third-party service provider for Sadaqa House.
• Evaluate and approve investment and placement of Sadaqa House funds.
• Monitor the progress of fund collection and project performance.
• Evaluate and approve the request for disbursement of the fund.

8. Internal Audit Division (IAD)

• Responsible for providing independent assurance to Board of Directors and
Senior Management that risk management processes and tools of Sadaqa
House are effectively implemented.
• Undertake annual audit exercise on Sadaqa House operations and issue
annual audit report to the Board’s Audit and Examination Committee for
deliberation and decision-making.

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Assuring
Governance

SADAQA HOUSE AND ZAKAT COMMITTEE

Chairman Members
Mohd Nazri Chik
Wan Mazlan Wan Johari
Group Chief Financial Inclusion Officer Deputy Chief Compliance Officer
Group Financial Inclusion Division Group Compliance Division
Vice Chairman
Sazrin Mohd Razak
Saiful Anuar Hambali Assistant General Manager
Group Chief Shariah Officer Strategic Management Division
Group Shariah Division
Zakaria Yusof
Assistant General Manager
Operational Risk,
Group Risk Management Division

Maziah Mokhtar
Senior Manager
Credit Management Division

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Sadaqa House performs due diligence on behalf of the donors through the following:

• Assessment and annual review of change-makers

It is crucial to ensure that the change-makers included by the platform are

reputable and capable of carrying out the charity projects planned by them.
Selected change-makers must provide scalable and sustainable social impacts of
their projects.

Sadaqa House adopts comprehensive assessment on every change-maker

including anti-money laundering (AML) checking. Every change-maker must
be approved by the Sadaqa House and Zakat Committee. On an annual basis,
a review will be performed on the appointed change-makers to ensure their
operations and directions are aligned with Sadaqa House’s requirements.

• Assessment of beneficiaries

All beneficiaries under Sadaqa House will be assessed to ensure their eligibility
and genuine need for support. The assessment includes AML checking.
All beneficiaries must be approved by the Sadaqa House and Zakat Committee.

• Charity project viability and deliverables

Sadaqa House ensures its team members conduct a thorough assessment of the
viability of charity projects as well as track their progress. Reports are escalated to
the Sadaqa House and Zakat Committee on a frequent basis.

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2021 Stories &
Impact Disclosures
Making a Difference, Heart to Heart

INSTITUT JANTUNG NEGARA FOUNDATION

(IJNF)

Project: To provide financial assistance to paediatric congenital heart disease

patients from asnaf, fakir and miskin backgrounds, to undergo heart surgery at
Institut Jantung Negara (IJN).

IJNF was established with a mission to engender

philanthropic support for the care of heart patients Amount distributed
at IJN. IJNF is one of the earliest change-maker RM180,766.21
to collaborate with Sadaqa House during its
establishment. Our collaboration with IJNF focuses on Beneficiaries impacted
paediatric patients from underprivileged families. It is
our ardent hope, with financial assistance from Sadaqa 213 recipients
House, these children can undergo heart surgery,
achieve healthy growth and enjoy a brighter future.

In May 2021, RM150,766.21 has been distributed to 13 paediatric patients through IJNF
for their heart treatment and surgery.

In September 2021, understanding the impact of the COVID-19 pandemic on 200

underprivileged heart patients registered with the IJNF, RM30,000.00 was distributed
for one month of food bank voucher sponsorship on a one-off basis for each family.

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Disclaimer: All photographs on this page are used with permission from IJNF.
19
2021 Stories &
Impact Disclosures

Providing Education Equity for Youth

BRAIN FOR FUTURE

Project: To provide financial assistance to tertiary students in Malaysia who are

from families with poor economic backgrounds.

Brain For Future (BFF) is a non-governmental

organisation (NGO) focused on alleviating poverty Amount distributed
by offering financial aid to underprivileged university RM60,000.00
students, especially those in their third and fourth year
of studies. Founded with a vision “To End Poverty Beneficiaries impacted
Through Education”, the objective of the assistance
is to ensure that these students overcome financial 60 students
setbacks to complete their studies. It is our ardent
hope that these successful students will then build
good careers after graduation and contribute back
to other underprivileged junior students in their
campuses.

Despite the uncertainty on continuing the new semester for university students due to
the COVID-19 mandatory Movement Control Order (MCO), BFF once again opened its
contribution fund application in September 2020 with the support from Sadaqa House.

The fund is used mainly to accommodate learning costs and daily needs such as
paying for internet data, lessening the financial burden faced by parents who were
retrenched during MCO, including other learning costs by their siblings.

Understanding the situation of students who come from B40 families, they not only
need to be financially assisted in learning, their family situation also needs to be
considered.

For that, in July 2021, funds were distributed to 60 students to assist their daily needs,
while continuing university learning activities from home.

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We Rise

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2021 Stories &
Impact Disclosures

Ensuring a Better Future for Children

BUKU JALANAN CHOW KIT

Project: Financial assistance for the operation of a centre that provides access to
quality education for underserved children in the Chow Kit area.

Buku Jalanan Chow Kit (BJCK) is an NGO that aims

to provide equal education opportunities to children Amount distributed
in the Chow Kit catchment area, especially in Lorong RM34,000.00
Haji Taib. The underserved children in that area
are exposed to prevalent social problems and risk Beneficiaries impacted
of dangers such as human trafficking. With quality
education, these stateless children and their families 91 kids under the
could break out of the cycle of poverty. purview of BJCK

To support BJCK in February 2021, Sadaqa House

provided funding to facilitate remote and online
learning activities that BJCK planned and provided for
91 children.

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Future Plan for BJCK

Sadaqa House is
providing monthly
financial support of
RM20,000.00 to BJCK
beginning April 2022
to December 2025
(45 months), amounting
to RM900,000.00.
The financial support is
required to ensure the
smooth operation of the
centre in meeting its
objectives.

Malaysians are
encouraged to support
this fundraising.

2022 Fundraising
Target: RM180,000.00

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2021 Stories &
Impact Disclosures

Empowering Women In Business

YAYASAN SULTANAH BAHIYAH

Project: Financial assistance for the purchase of business equipment for women
micro-entreprenuers from the B40 families in Kedah.

Yayasan Sultanah Bahiyah (YSB) is an agent of change

in community works through its education, community Amount distributed
development, health, youth, and training initiatives. RM16,813.00
Together with Sadaqa House, YSB identifies and
supports women entrepreneurs who are keen to Beneficiaries impacted
expand their businesses and improve their economic 7 women
circumstances. Such improvements will benefit their micro-entrepreneurs
families, as well as the surrounding community.

During the early stage of the COVID-19 pandemic and first MCO implemented in
March 2020, many small entrepreneurs were caught unprepared and suffered from
business disruptions and closures.

After a year, with the support of programmes and initiatives initiated by the
government and NGOs, the entrepreneurs managed to transform how they ran their
businesses, with some making a total change in line with new emerging needs and
demands.

The Women’s Small Entrepreneur Development Programme organised by Yayasan

Sultanah Bahiyah in April 2021 helped seven women entrepreneurs grow their
business in Kedah.

With the introduction of BangKIT Microfinance, the financing offer has been extended
to the entrepreneurs under this programme.

As of December 2021, six entrepreneurs have successfully applied for, and been
granted this microfinance (two were participants of BangKIT Microfinance and four
received the business grant).

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2021 Stories &
Impact Disclosures

A Helping Hand to a Better Life

MYVISTA

Project: Financial assistance for the production of 3D prosthetic limbs for disabled
children from deserving families.

MyVista was established by a “Social Entrepreneur”,

Encik Sujana Rejab (well-known as Pak Su). Its main Amount distributed
mission is to fabricate 3D-printed prosthetic hands RM6,000.00
and arms at lower cost to help the physically disabled, for the production
especially children from poor family backgrounds. cost of a robotic 3D
It is hoped that the fittings of these 3D-prosthetic prosthetic arm
limbs, will help raise the children’s sense of worth and
self-esteem, allowing them to fit better into society Beneficiary impacted
and focus more readily in improving themselves.
Muhammad Iman
The MCO limited MyVista’s ability to meet potential Haiqal bin Abdul Azim
3D-prosthetic hand recipients during the year. (5 years old)
In May 2021, the process of measuring and
interviewing the latest recipient was
successfully carried out.

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2021 Stories &
Impact Disclosures

Lighting Up Lives With Sustainable Energy

UNIVERSITI TEKNOLOGI MALAYSIA

Project: To provide renewable energy solar system for utilisation by the Orang Asli
community and other underserved communities in rural areas.

This project was undertaken by UTM’s School of

Electrical Engineering, Faculty of Engineering, Amount distributed
as a means to provide cheaper and more sustainable RM202,000.00
power to the Orang Asli community and other
underserved communities in Malaysia. The higher Beneficiaries impacted
cost of using petrol generator to produce electricity
is unsustainable and non-viable for the community in 32 families
the long run. With the installation of the solar power
system, energy cost is minimised, there is reduced risk
of short circuits and energy use can be extended for longer hours than before.
The first project with UTM at Kampung Orang Asli Woh Intake, Tapah, Perak was
completed in February 2020. Subsequent projects approved by the Sadaqa House
and Zakat Committee were for Kampung Nelayan Atas Air, Tanjung Surat, and
Kampung Orang Asli Tewowoh, Mersing, both in Johor; to benefit 32 families.
For many months, these projects were put on hold by the MCO. The UTM team
managed to visit both villages for a survey in April 2021.
On 28 December 2021, the team completed installation for all 13 houses at Rumah
Rakit Village, Tanjung Surat, Johor. Prior to the installation, the residents did not have a
safe supply of electricity. Some houses used TNB's electricity by pulling the electricity
wire over long distances without any protective devices, and most of them just used
a generator. Thanks to the donors of this project, the residents now enjoy a limitless
supply of safe, clean electricity.

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UTM then proceeded with installation at Kampung Orang Asli Tewowoh, Mersing,
Johor. The village is the last Orang Asli village in Johor that has yet to receive
electricity supply from TNB.

Kampung Orang Asli Tewowoh, Mersing, Johor is located 35 km from Kahang,

Mersing road or 85 km from Kluang. Getting to the location requires an almost 1 hour
and 30 minutes drive via a 4x4 vehicle. Previously, there was no mains electricity
supply provided by TNB due to the village's remote location, which was a distance
from the main electrical grid.

The project does not only benefit the villagers by providing a steady and sustainable
source of electricity, but also acts as an educational platform that allows the exchange
of experience and knowledge between the higher education institutions involved.
They are, Institut Latihan Perindustrian (ILP) Kepala Batas, ILP Mersing, Politeknik
Port Dickson, Politeknik Muadzam Shah and Kolej Komuniti Segamat 2.

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2021 Stories &
Impact Disclosures

Upholding the Power of Prayer

PERTUBUHAN KEGIATAN DAKWAH ISLAMIAH

SEKOLAH-SEKOLAH MALAYSIA (PEKDIS)

Project: Financial assistance for developing, restoring and equipping selected

prayer rooms and musollas at schools under the supervision of Islamic Education
Division and Ministry of Education Malaysia, upon criteria determined by PEKDIS.

PEKDIS is an NGO registered under the Registrar of

Society with a national level status. PEKDIS was founded Amount distributed
on 13 September 2004 by the Islamic Education RM89,090.00
Division, Ministry of Education Malaysia as an NGO for two schools
platform to solidify dakwah activities among Islamic
studies teachers nationwide and run the execution of Beneficiaries impacted
dakwah activities in the schools at all levels.
SK Pinausuk, Ranau,
Sadaqa House supported the renovations of prayer Sabah (rural) and
rooms at two rural schools during the year. SK Sungai Berua,
Kuala Berang,
Terengganu
(Orang Asli)

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Future Plan for

PEKDIS
The Bank has approved
RM247,500.00 under
‘Program Menggapai
Bintang’ in order to
repair, restore and
equip prayer rooms
and musollas at several
rural schools in order
to provide better
amenities that will
shape and nurture the
discipline and attitude
of the students during
the teaching activities
at the prayer room and
musolla.

PEKDIS has shortlisted

27 schools that will
receive the fund in
2022.

2022 Fundraising
Target: RM500,000.00

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2021 Stories &
Impact Disclosures

Facilitating Technology for Home-Based Learning

#KITABANTUKITA CAMPAIGN

Project: Provide tablets and internet data to facilitate home-based learning for
underprivileged students across the country.

Taking into consideration that all schools in

Malaysia conducted the home-based learning and Amount distributed
teaching (PdPR) through 2021, the funds collected RM200,000.00
for #KitaBantuKita campaign was used to purchase
tablets and internet data. Beneficiaries impacted
These were distributed to over 400 selected 400 children from asnaf
students all over Malaysia. families, flood victims
and selected disabled
students

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Raising Potential
Through BangKIT
B
angKIT Microfinance was launched in November 2020 and the
programme started to receive applications from underbanked
micro-entrepreneurs in January 2021.

The Perpetual Fund had received total contribution of RM4.0 million from an
institutional donor in two tranches (May 2020 and December 2021) towards
funding of this programme.

BangKIT represents how the facility helps the underbanked micro-entrepreneurs

to “get up” and improve their financial well-being. The letters KIT represents the
courses given to borrowers as their “kit” or tool towards success.

OBJECTIVES OF BangKIT MICROFINANCE

BangKIT Microfinance aims to achieve the following main objectives:

• To provide affordable microfinancing to underbanked micro-entrepreneurs

• To equip borrowers with “inclusive finance” that includes practical business

coaching and mentoring for business development and sustainability

• To ensure the donated fund can create social impact in perpetuity through
innovative and well-governed sadaqah fund management

• To nurture BangKIT micro-entrepreneurs' to have access to commercial banking

facilities in order to enable better growth for their businesses

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Raising Potential
Through BangKIT

OUR EFFORTS TO MANAGE RISK OF NON-REPAYMENT

In order to ensure the ultimate objective aimed by fund contributors i.e. to perpetually
create impact on underbanked micro-entrepreneurs, Sadaqa House has put serious
efforts to mitigate the risk of non-repayment as follows:

• Collaboration with Implementation Partners. Throughout 2021, 26 organisations

and institutions were appointed as Implementation Partners in BangKIT
Microfinance. The implementation partners are among change-makers who are
always on the ground and familiar with the target group. They provided social
underwriting for the micro-entrepreneurs proposed for BangKIT Microfinance.

In this regard, the implementation partners are responsible for monitoring the
business progress of BangKIT micro-entrepreneurs as well as handling business
development training and coaching.

• Guided by Risk Acceptance Criteria. Sadaqa House had established a specific

risk acceptance criteria (RAC) for BangKIT Microfinance. The RAC was developed in
line with the situation and reality of underbanked micro-entrepreneurs. Behavioural
aspects such as previous credit repayment trend, outstanding debts with
non-banking institutions as well as business potential were assessed. All of this help
mitigate risk of non-repayment even though this segment is vulnerable in nature.

• Frequent engagement with micro-entrepreneurs. Entrepreneur Development

and Monitoring Unit, a dedicated unit under Financial Inclusion Division of the Bank
was established in August 2021 to continuously monitor all micro-entrepreneurs.
Site visits were conducted on selected clients from time to time to assess business
progress and identify early warnings, if any, within the business performance.

• BangKIT Entrepreneurship Development Programme. Consistent growth of

business performance shall ensure micro-entrepreneurs become good paymasters
hence building up good track record in their CCRIS report. To support the growth,
the Bank has embarked on a continuous development programme for the
micro-entrepreneurs. Such a programme also aims for upward mobility creation
among the micro-entrepreneurs.

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BANGKIT ENTREPRENEUR DEVELOPMENT PROGRAMME TO CREATE

UPWARD MOBILITY
There are five (5) main components of BangKIT Entrepreneurs Development
Programme for implementation to support the growth of BangKIT micro-entrepreneurs:

(i) Education and training

• Periodic trainings and business coaching sessions for micro-entrepreneurs
are conducted by internal and external trainers that are sourced internally
depending on the needs.
• The training modules cover basic and practical knowledge of business,
that is followed by coaching for business growth and sustainability.
• The trainings are conducted based on the business stage:

Pre Microfinance Microfinance Post Microfinance

• Half day training • Change-maker • Engagement

• 2 times monthly Training (2-4 days) with
• Talk entrepreneur-related
• Workshop organisation
• Entrepreneur
Development
Activities

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Raising Potential
Through BangKIT

(ii) Engagement with successful entrepreneurs

• One of the key factors of successful entrepreneurs is to have role models to
get inspiration and to mirror their successful business journey.
• Online engagement sessions between micro-entrepreneurs with successful
entrepreneurs will be organised on a monthly basis via online platform.
• The successful entrepreneurs will be identified based on the business sectors,
from time to time.

(iii) Networking among entrepreneurs

• A platform to connect all BangKIT micro-entrepreneurs for the purpose of
experience sharing, support among micro-entrepreneurs and marketing of
products and services through the following channels:

Invitation for sharing and promotion sessions by the entrepreneurs during

1
periodic trainings and business coaching session conducted

Creating two-way communications channels to encourage knowledge

2
sharing and learning among BangKIT entrepreneurs

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(iv) Support on banking facilities and solutions

• The Bank aims to produce tech-savvy micro-entrepreneurs by using
technology solutions in their business.

Objective of offering the solution

eBanker To manage current account effectively

Internet GO Biz To get payment channelled directly to

& Mobile (DuitNow QR) their account
Banking
To get authorisation to deduct
eMandate
instalment on monthly basis

To facilitate zakat payment when

Zakat Services Zakat Deposit
eligible

Donation To embrace the spirit of sadaqah

Sadaqa House
Channel through a trusted channel

Investment Al-Awfar, iGain, To give them opportunity to increase

Opportunities Wafiyyah income from investment

Financing Consumer & To complete their need and desire to

Facilities SME enjoy these facilities when eligible

Takaful, Unit
Wealth
Trust & Will To assist them in wealth management
Management
writing

(v) Centralised marketing and market penetration

• To provide BangKIT micro-entrepreneurs with marketing opportunities through
a centralised marketing channel arranged by the Bank.

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Raising Potential
Through BangKIT

IMPACT MEASUREMENT FOR UPWARD MOBILITY

As a result of continuous engagement with micro-entrepreneurs, the Bank
undertakes impact measurement on the micro-entrepreneurs after receiving BangKIT
Microfinance fund along the following dimensions:

No. Aspects Dimension

1. Financial i) Average sales/revenue

ii) Business assets
iii) Average savings from business revenue
iv) Zakat payment (if any)

2. Business i) Number of employees

Growth ii) Types of savings made from business revenue
iii) Use of ICT and gadgets in business
iv) Use of e-commerce platform in business
v) Use of e-wallet of digital payment solution in business

3. Utilisation of i) Internet banking (e-Banker) in business

BIMB facilities ii) BIMB GoBiz app in business
and solutions iii) BIMB SMEXpert in business
iv) BIMB current account as main business account
v) BIMB merchant payment terminal

By collating feedback received from micro-entrepreneurs, followed by proof of

progress, the Bank shall evaluate their progress and the need for larger funding as
business expansion capital.

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PROGRESS AND SUCCESS STORIES AS AT 31 DECEMBER 2021

After one year of BangKIT Microfinance’s implementation, the approval progress as at

31 December 2021 is as follows:

No. Particulars As at 31 Dec 2021

1. Applications approved 190 accounts (RM2,157,500)

2. Fund disbursed 140 accounts (RM1,572,000)

From the total fund disbursed above, the profiling of BangKIT micro-entrepreneurs is
depicted as below:

By Amount range Percentage by Amount range

Range (RM) No. of Entrepreneur Value (RM) 6%

 3,000 & below 8 24,000
 3,001 - 10,000 80 617,000
57% 37%
 10,001 - 20,000 52 931,000
Total 140 1,572,000

By Age range
Age No. of Entrepreneur Value (RM) Percentage by Age range

 18-30 31 323,000
17%
22%
 31-40 53 625,000
 41-50 32 371,000
23%
 51-60 24 253,000
38%
Total 140 1,572,000

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Raising Potential
Through BangKIT

By Gender Percentage by Gender

Gender No. of Entrepreneur Value (RM) 6%

17%
 Male 24 250,000
 Female 108 1,220,000
 Mixed (partners) 8 102,000
Total 140 1,572,000 77%

By Location
States No. of Entrepreneur Value (RM) Percentage (%)

 Kedah 6 68,000 4
 Pulau Pinang 2 13,000 1
 Selangor 42 497,000 30
 Wilayah Persekutuan 8 105,000 6
 Negeri Sembilan 5 55,000 3
 Terengganu 5 65,000 4
 Perak 17 225,000 12
 Melaka 6 63,000 4
 Perlis 5 70,000 4
 Pahang 4 55,000 3
 Kelantan 31 220,000 22
 Johor 7 106,000 5
 Sarawak 1 20,000 1
 Sabah 1 10,000 1
Total 140 1,572,000 100

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By Business sector Percentage by Business sector

Sector No. of Entrepreneur Value (RM) 2%

13%
 F&B 53 584,000 2%
38%
 Fashion & clothing 37 331,000 10%

 Healthcare & 13 163,000

9%
cosmetics

 Retail & services 14 207,000 26%

 Education 3 35,000

 Other services 18 222,000

 Agriculture 2 30,000

Total 140 1,572,000

By Race Percentage by Race

Race No. of Entrepreneur Value (RM) 2% 1% 2%

 Malay 133 1,492,000

 Indian 3 25,000

 Chinese 1 15,000

 Others 3 40,000

Total 140 1,572,000

95%

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Raising Potential
Through BangKIT

PROGRESS AND SUCCESS STORIES

We are proud to present some selected success stories from BangKIT
micro-entrepreneurs after they received the financing and attended the coaching
and training engagements done by our Implementation Partners.

Ayuni Hazwani Binti Abd Hamid, 37 years old (Kedah)

SWEETFISH EMPIRE
CHALLENGES

Ayu is married and currently taking care of her old aged parents. She used to work
as a production manager but she was not earning an income since June 2020 as
all production halted due to the pandemic. She worked hard to seek an alternative
income. For a time, she sold fruits such as mangosteens, mangoes and limes from her
orchard. However these were seasonal fruits and so income was unstable. Besides
her orchard, she had a small area she envisioned turning into a rabbit farm as she
had always wanted to start a business of breeding rabbits and selling them as pets or
livestock. Unfortunately, she lacked the capital to pursue this dream.

RISING WITH BangKIT

With the BangKIT Microfinance, Ayu had the capital she needed to expand the rabbit
farm and buy new breeds. She could also then engage in resources required to supply
rabbits as pets and meat.
Learning from the Customer Analysis module, she learned how to target the right
customers and secured orders for pet rabbits through pet shops in Butterworth, Penang.
Through knowledge gained from the Customer Value Proposition module, she
identified a niche demand for marinated rabbit meat. This gave her the idea to create
a new product – frozen BBQ-flavoured rabbit meat. This was well-received by her
customers, especially from Kuala Lumpur.
When the interdistrict travel ban was enforced, Ayu applied the 4 Quadrants of the
Blue Ocean module to overcome the problem. She increased efforts to target
consumers around her area by consistently promoting her products on her WhatsApp
status and WhatsApp groups. This enabled her to sustain her business despite the
travel restrictions.

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Rabbit farming
Approved amount RM3,000
Income before RM0
Income after RM3,000
(Highest monthly income during 3 months monitoring)

Value-Added Benefits:
– Able to donate essential food items to
others in her neighbourhood

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Raising Potential
Through BangKIT

Bibi Siti Nurba Mohammed Akbar Khan, 35 years old (Selangor)

BIBI SITI RESOURCES

CHALLENGES

Bibi and her husband started manufacturing and selling perfume for men and
women in 2019 to support their three children. The brand is called Biebon Parfum.
Bibi produces two types of perfumes; the inspired collection and her very own
personalised collection, which became a hit among her customers. However,
despite the great feedback from her customers, she lacked the resources to
expand her production capacity due to capital limitation and inability to invest in
strategic online marketing platforms.

RISING WITH BangKIT

The BangKIT microfinancing she received, provided her with enough capital to
increase production of her perfume. She also learnt new marketing techniques
through the Sales Strategy module, and came up with a ‘Buy 2, Get 1 Free’ promotion
on Facebook. Using part of the micro-finance, she boosted the promotion using
Facebook Ads by increasing her daily budget from RM200 to RM350. The promotion
reached 600,000 viewers and as a result, her sales significantly increased.
Throughout the Operational Planning module, she realised she should expand her
customer database. She did so by doing a giveaway promotion whereby customers
could sign up to enjoy a free perfume sample. This allowed her to attract new
customers and gain their confidence. On top of that, she also improved the ordering
process from placing orders using google forms to placing orders via website only.
This has ultimately made it easier for her customers to order free samples in
various ways.

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Manufacturing and selling perfume

Approved amount RM20,000
Income before RM5,000
Income after RM70,000
(Highest monthly income during 3 months monitoring)

Value-added Benefits:
– Able to pay RM1,000 insurance
premium for family
– Created job opportunities

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Raising Potential
Through BangKIT

Norul Azimah Dzulkifli, 31 years old (Selangor)

OLEORAH ENTERPRISE

CHALLENGES

Azimah is married and has no children. Following her mother’s footsteps, Azimah
ventured into a tailoring business in 2017. She focused on making women’s clothing
such as Baju Kurung and blouses. She operated her business from a shop lot in
Jeram, Selangor. Unfortunately, she had to close down her shop since the MCO last
year. She shifted her business online but the orders for women clothing reduced
significantly due to the pandemic. To sustain her business, she decided to make and
sell her own washable cloth face masks. However, she can only produce a limited
amount due to the lack of resources.

RISING WITH BangKIT

By using her BangKIT microfinancing, she was able to purchase more materials to
make face masks and could hire more staff, thus increasing her production capacity.
Through the Customer Analysis module, she learnt the importance of fulfilling
customers’ preferences. She created a survey to identify customers’ likes and dislikes,
and made necessary changes in terms of fabrics and colours. Her responsiveness
was well-received by her customers.
Tapping on the Sales Strategy module, she listed her products on Shopee, one of
the most visited e-commerce platform during the pandemic, to reach out to more
customers. From there, she was able to obtain a lot of new customers and her
income has since increased significantly. In addition, she improved her customer
services by attending immediately to customer enquiries, orders and problems.
Due to her excellent services, she gained more loyal customers. This resulted in orders
increasing from an average of 20 to 50 daily.
Following the Blue Ocean module Azimah is now venturing into a new market to sell
prayer garment for kids because she has seen a demand for it among her customers
through surveys.

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Tailoring
Approved amount RM10,000
Income before RM10,000
Income after RM50,000
(Highest monthly income during 3 months monitoring)

Value-added Benefits:
– Able to settle PTPTN loan
– Provided job opportunities to youths

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Raising Potential
Through BangKIT

TARGET FOR FINANCIAL YEAR END (FYE) 2022 AND

REQUEST FOR DONATION TO PERPETUAL FUND

Target Target reach Target upward mobility

disbursement

RM 6 600 25
MILLION ENTREPRENEURS ENTREPRENEURS

We are looking forward to other institutional and individual donors donating their fund
to Sadaqa House Perpetual Fund for this purpose. The said fund may originate from
CSR fund, zakat, purification income and the donor may select from the options below:

a. Funding business capital of BangKIT borrowers

b. Funding business capital of BangKIT business grant using zakat

(subject to Shariah rules of asnaf)

c. Funding the cost of entrepreneurship development and monitoring of BangKIT

borrowers

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We Rise

49
Financial
Position
FUND COLLECTION
Sadaqa House received donation funds from individuals and institutions through multiple
collection channels. Below are the collection data from January till December 2021:

Perpetual Fund General Fund

RM2,022,500.10 RM609,157.00
Perpetual Fund consists of perpetual contributions from
public donors (individual and institution) and a portion from
Friday prayer collection every week from Surau Wakaf
Ahmad Dawjee Dadabhoy (SWADD), Menara Bank Islam.

Direct Fund

RM712,089.28
Pertubuhan Kegiatan Dakwah
Islamiah Sekolah-Sekolah Malaysia Institut Jantung Negara Foundation
RM119,121.70 RM221,738.89

Mercy Mission Malaysia Yayasan Sultanah Bahiyah

RM169,976.65 RM47,641.10

Total Direct Fund Universiti Teknologi

MyVista RM712,089.28 Malaysia
RM19,869.23 RM38,530.21

Brain For Future Buku Jalanan Chow Kit

RM41,898.32 RM53,313.18

Total collection RM3,343,746.38

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FUND DISBURSEMENT FOR DIRECT/SPECIFIC PROJECTS FROM

JANUARY TO DECEMBER 2021:

Institut Jantung Negara Foundation

RM180,766.21
13 pediatric patients
200 families received the food vouchers

Yayasan Sultanah Bahiyah

RM16,813.00
7 women entrepreneurs

MyVista
RM6,000.00
Adik Muhammad Iman Haiqal bin Abdul Azim (5 years old)

Brain For Future

RM60,000.00
60 students

Universiti Teknologi Malaysia

RM202,000.00
32 families

Pertubuhan Kegiatan Dakwah Islamiah Sekolah-sekolah Malaysia

RM89,090.00
2 schools

Buku Jalanan Chow Kit

RM34,000.00
91 students

BangKIT Microfinance
RM1,572,000.00
140 micro-entrepreneurs

Total Disbursement: RM2,160,669.21

51
Financial
Position

FUND DISBURSEMENT FROM 2018 TO DECEMBER 2021

Institut Jantung Negara Foundation MyVista

2018 RM110,000.00 2019 RM13,888.00
2019 RM214,500.00 2020 RM24,000.00
2020 RM361,500.00 2021 RM6,000.00
2021 RM180,766.21
Total RM43,888.00
Total RM866,766.21

Yayasan Sultanah Bahiyah PEKDIS

2018 RM4,300.00 2021 RM89,090.00
2019 RM18,536.39
Total RM89,090.00
2020 RM15,365.40
2021 RM16,813.00
Total RM55,014.79

Universiti Teknologi Malaysia Brain For Future

2019 RM95,000.00 2020 RM150,566.00
2021 RM202,000.00 2021 RM60,000.00
Total RM297,000.00 Total RM210,566.00

Mercy Mission Malaysia Buku Jalanan Chow Kit

2020 RM24,000.00 2020 RM158,182.75
2021 RM34,000.00
Total RM24,000.00
Total RM192,182.75

BangKIT Microfinance
2021 RM1,572,000.00
Total RM1,572,000.00 Total Disbursement since 2018:
RM3,350,507.75

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FUND DISBURSEMENT FOR GENERAL RECIPIENTS FROM

JANUARY TO DECEMBER 2021
In addition to the projects run by change-makers listed on page 51, Sadaqa House has
also contributed to the following general recipients:

No. Recipients Purpose Amount

(RM)
1 Flood victims Disbursed for more than 4,000 362,640.00
flood victims in Pahang
2 Adik Muhammad Fayyadh Continuous fund for education 15,251.00
and tuition fee for three-year
study
Muhammad Fayyadh Haziq
Bin Abdul Aziz who is an
excellent student in the Master
of Engineering programme from
SEGI College
3 Khadijah International Waqf To purchase a house for transit 30,000.00
(L) Foundation of Hospital Kuala Lumpur
patients
4 Yayasan Tuanku Syed Putra Development of rural project in 20,000.00
Perlis
5 Exora to Wakaf Pulau To be used for waqf education 29,295.00
Pinang and collection activities in
Penang
6 Yayasan Universiti Finance publication of book 20,000.00
Multimedia related to Social Finance
7 Universiti Kebangsaan Entrepreneurship Project 8,500.00
Malaysia Universiti Kebangsaan Malaysia
ImpianNiaga for 10 recipients

53
Financial
Position

No. Recipients Purpose Amount

(RM)
8 90 members of Persatuan Financial aid to that who are 90,000.00
Orang Cacat Penglihatan losing income due to the
Islam Malaysia (PERTIS) COVID-19 pandemic
9 #KitaBantuKita Campaign During the MCO, all schools 200,000.00
in Malaysia continue with the
home-based learning and
teaching (PdPR) in January
2021, the fund collected for
#KitaBantuKita campaign was
used to purchase tablet and
internet data.
The distribution was made to
400 selected students all over
Malaysia.
10 Contribution to Hospitals COVID-19 Kit for front liners 200,000.00
11 BangKIT Microfinance Operating cost and Training for 311,303.00
BangKIT entrepreneurs
12 Wakaf Pulau Pinang The billboard will be another 13,400.00
Billboard mode to reach out to more
donors
13 Van Jenazah Distribution to Persatuan Bekas 167,816.00
Polis
TOTAL 1,468,205.00

Total disbursed amount to general recipients as at 31 December 2021 is

RM1,468,205.00.

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TOTAL DISBURSEMENT AS AT 31 DECEMBER 2021

Disbursement to: RM

Direct/Specific Projects 2,160,669.21

General Recipients 1,468,205.00

Total 3,628,874.21

INVESTMENT
Based on the collection above, Sadaqa House has been placing a portion of
Perpetual Fund into Term Deposit Tawarruq-i and Wafiyah Investment Account-i
Bank Islam.

From the placement, Sadaqa House has received a profit of RM65,381.99

during the year 2021 to be used for Sadaqa House charity projects.

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Testimonials
Terima kasih kepada BIMB, UTM dan semua yang membantu untuk
menjayakan projek tenaga eletrik solar Kampung Tewowoh ini.
Dah berapa lama tak dapat cahaya-cahaya macam ni. Tahun 2021 hingga
tahun 2022 ni, Alhamdulillah semakin ada sikit kemajuan. Dah naik
malam-malam, tidak lah menggunakan pelita, tidaklah membuka engine.
Dapat penyelesaian tu dah semakin dekat, tidak lah kami perlu menggunakan
petrol lagi. Penjimatan tu dah terlalu banyak. Tak macam haritu, haritu kalau
kami guna pun, sebulan dah guna RM300.00. Sekarang ni dah takde dah,
jarang lah nak guna-guna minyak ni semenjak ada solar.
Terima kasih para penyumbang, semoga dipanjangkan umur dan dimurahkan
rezeki kalian semua.

Encik Noran
Ketua Kampung Orang Asli Tewowoh, Mersing, Johor

Bila saya terpilih dalam join program BangKIT ni, Alhamdulillah dari segi
modal, kita dapat gunakan untuk membeli kain dan hire staf. Kita dapat
berikan pilihan warna kain yang lebih banyak. Dan Alhamdulillah, pihak BIMB
juga ada buat mentoring, banyak memberikan ilmu dan sharing what do’s and
don’ts untuk kita start up. Alhamdulillah dengan modal yang diberikan kita
dapat expand kita punya business.

Puan Norul Azimah Dzulkifli – Oleorah Enterprise

BangKIT Microfinance entrepreneur

Dulu saya selalu susah nak berinteraksi dengan owner. Ayat saya lintang
pukang. Tapi bila dah masuk di kelas kursus daripada BangKIT tu, ia
membuka mata dan minda saya bagaimana berurusan dengan kedai atau
owner mart tu. Jadi sekarang, Alhamdulillah, daripada belas-belas mart,
sekarang dah 50.

Puan Siti Fadzilah Ismail – SR Orange Enterprise

BangKIT Microfinance entrepreneur

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Sebelum ni saya memang makan gaji, jadi saya memang tiada pengalaman
langsung dari segi bisnes. Tapi bila saya join BangKIT ni, dekat dalam
program ni ajar macam mana kita kena target customer, macam mana kita
nak kenal customer kita sendiri, macam mana nak luaskan perniagaan.
Saya baru nampak cara pemikiran seorang business owner. Bukan sekadar
jual beli, dan kira untung.
Selain daripada tu, apa yang saya suka tentang BangKIT ni, sebab dalam
program ni dia ajar saya bukan saja untuk fokus pada diri sendiri, tapi dalam
program ni, ada penekanan utk sedekah, tolong orang lain. Macam mana
saya dapat meningkatkan ilmu saya supaya dapat bantu orang lain. Dan
ada penekanan dari segi rohani kita, guidance yang diberikan di program ini
sangat menyeluruh.

Miss Zetty Yelia Yusman Yeoh – Nasi Kenyang Enterprise

BangKIT Microfinance entrepreneur

BFF helps a lot, financially, mentally and also for our skills in the future. Lots of
talks and programmes are held to give us insights and new knowledge. Apart
from that, the chat group on Whatsapp has been nothing but full of words of
encouragement. I’m truly grateful to be one of the recipients under BFF care.
I’m so happy with my results this semester!

Miss Ain, Universiti Malaya

Recipient of Sadaqa House fund through Brain For Future

As COVID-19 cases are on the rise, my family members lost their jobs. We had
to be vigilant and for almost three months my family had no source of income.
In addition, the consequences of COVID-19 also sometimes interfered with
my learning sessions. Internet data is slow since I applied for a less feasible
package with low budget. However, with BFF aid, I managed to focus on my
studies better with good internet coverage and I get to help my family finance
by receiving my own pocket money from BFF. Thank you, BFF!

Miss Lailee, Universiti Islam Antarabangsa

Recipient of Sadaqa House fund through Brain For Future

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Testimonials

The COVID-19 pandemic has led to a dramatic economic and social disruption.
Many lost their jobs and means to earn income and this devastating situation
has brought more households into poverty. We are, however, grateful to be
one of the change-makers for Sadaqa House. The impact of the generosity
and compassionate spirit of donors through this successful collaboration
has made it possible for us to assist another fourteen (14) children with heart
disease with an amount of RM150,280.00 raised via the Sadaqa House in year
2021. These children who are from the underprivileged families were able to
receive immediate medical attention in a timely manner. Currently, they are,
recovering well from the surgical procedures.
Due to the pandemic, our assistance was not only limited to supporting the
medical treatment and surgery cost of underprivileged heart patients who
are treated at IJN, but also their social welfare. The undivided support from
Sadaqa House have helped us to purchase food bank vouchers and distribute
it to a total of 200 underprivileged heart patients. The purpose of these food
bank vouchers is to enable our underprivileged heart patients to buy essential
household necessities and groceries items for their household needs. The
strong community support that Sadaqa House has established is invaluable
because this mechanism enables more lives to be saved. On top of that,
the social welfare of the underprivileged heart patients is well taken care of
too, which, we believe would help in their health and recovery process.

Miss Ritzzawati Rosli Mohd Rosli

Senior Manager, Institut Jantung Negara Foundation

58
 Together
We Rise

CHANNELS OF CONTRIBUTION
HOW TO DONATE?

Fund Transfer Website of Sadaqa House

Sadaqa House https://www.sadaqahouse.com.my
140 140 101 88888 (Click Donate button)
Bank Islam Malaysia Berhad

QR Code DuitNow Boost Application

Step 1 Step 1
Select banking application Download the Boost application via
Step 2 Play Store (Android) or App Store
Click DuitNow QR Code button (iOS)

Step 3 Step 2
Scan QR code and enter donation Select More and click Donation
amount button. Choose Sadaqa House
OR
Click Scan & Pay, scan the
Sadaqa House QR Code
Bank Islam Credit Card-i Step 3
Through the redemption Follow the steps displayed to
of Trupoints Rewards at complete the payment
https://trurewards.bankislam.com.my
(Category Product: Welfare)

59
GROUP FINANCIAL INCLUSION
Level 27, Menara Bank Islam
No 22, Jalan Perak
50450 Kuala Lumpur

[email protected]

http://www.sadaqahouse.com.my

http://www.facebook.com/sadaqahouse/

http://www.instagram.com/sadaqa_house/

https://www.youtube.com/SadaqaHouse