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140 articles
Best Islamic Investments in Malaysia Ranked by Returns, Cost and Risk (2026)
Ten halal ways to invest in Malaysia, ranked on what each paid in 2025, what it costs, how fast you can get out and who stands behind it: EPF Simpanan Shariah, Tabung Haji, Islamic deposits, sukuk, ETFs, robos and PRS.
Is a Halal Loan Possible in Malaysia? Islamic Financing Rates and Contracts (2026)
Malaysian banks do not lend money at interest under an Islamic label; they sell, lease or partner, and price the profit at SBR 2.75% plus a spread. How each contract works, what it costs, and where scholars disagree.
MRTT vs MLTT (MLTA) in Malaysia (2026): Which Protects Your Home Financing
MRTT is a single-contribution takaful whose cover falls with your financing balance. MLTT keeps a level sum and usually a cash value. What BNM requires, what Etiqa, CIMB and Bank Islam publish, and who should pick which.
BSN Syariah Review (2026): Hajj Savings, GIRO-i, SSP and Tabung Haji
BSN has no Hajj and Umrah Savings-i account and no Qurban savings plan. It has Tawarruq savings at 0.25%, SSP certificates, Term Deposit-i and MyRinggit-i hajj financing. How that compares with Tabung Haji.
Maybank Islamic Savings Account-i Review (2026): Rates, Minimums, the -i Test
Maybank's Savings Account-i runs on Commodity Murabahah and pays a published 0.10% to 0.25% by balance. The minimums, the fees, how to tell whether a Maybank account is Islamic, and whether to keep salary here.
AmBank Islamic Personal Loan Rates (2026): Personal Financing-i Reviewed
AmBank Islamic prints effective rates on both its personal financing products: Personal Financing-i for government staff via BPA, and AmMoneyLine-i for salaried and self-employed Malaysians. Checked against Bank Islam.
Tawarruq Personal Financing Explained (2026): Commodity Murabahah in Malaysia
Tawarruq personal financing is a commodity sale, not a loan: the bank buys and sells a commodity on Bursa Suq al-Sila' and you repay the Sale Price. The four steps, BNM's rules, ibra', ta'widh and the PDS lines to check.
Is PTPTN Halal? (2026): What the Ujrah Line on Your Statement Means
PTPTN converted its study loan to an Ujrah contract in 2008 after a National Fatwa Committee ruling. How the 1% a year fee is calculated, what it replaced, which exemptions survive, and what a strict graduate should do.
Affin Islamic Home Loan Review (2026): Equity or Tawarruq, Rates and Fees
Affin Islamic lets a home buyer choose between an equity contract (Home Invest-i, 10% ceiling) and a commodity contract (Tawarruq Home Financing-i, 12% ceiling). Printed rates, fees, ibra terms and a worked instalment.