Why Shoraka?
Shariah-Compliant at the Core
Every product is carefully structured and reviewed to meet the highest Shariah standards.
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Security You Can Trust
Robust systems and controls safeguard your transactions from start to finish.
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Smart, Streamlined Solutions
Purpose-built technology focused on clarity, speed, and operational efficiency.
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An employer-led approach to financial wellness
Earned Wage Access App (RAYA)
RAYA (Receive-As-You-Achieve) is a Shariah-compliant earned wage access solution that allows employees to access a portion of their salary as it is earned. Delivered as an employer benefit, RAYA helps organisations support employee financial wellbeing while enhancing workforce stability and engagement.
Key Features
- Financial Wellness Mobile App
- Real-Time Dashboard & Transaction Visibility
Shariah-Compliant Solution
Dedicated financing solutions for civil servants
Ringgit Ease - Personal Financing-i
Ringgit Ease provides Shariah-compliant personal financing solutions tailored exclusively for civil servants. Through streamlined processes and SPGA-enabled repayments, the platform offers a reliable financing experience with enhanced repayment assurance and operational efficiency.
Platform Highlights
- Fully digitised financing lifecycle
- Public sector–focused eligibility
- Automated salary-deduction repayments via SPGA
For teams of any size
Content Management
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Data Analytics
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Human Resources
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Security
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Strengthening liquidity across the Ar-Rahnu ecosystem
Ar-Rahnu Financing Solution (Shoraka Suyula)
Shoraka Suyula is a Shariah-compliant digital marketplace that connects Ar-Rahnu operators with short-term funding sources. The platform enhances funding efficiency, enabling operators to meet emergency financing demand while supporting broader financial inclusion for unbanked and underserved communities.
• Secure collateral and asset management
• End-to-end Shariah governance
• Intelligent digital matching between funding participants
Improving MSME liquidity through digital finance
Digital Factoring Platform (Quickfactor)
Quickfactor is a Shariah-compliant digital factoring solution that facilitates invoice-based financing for MSMEs. By digitising the factoring lifecycle, the platform enhances access to working capital while connecting sellers and financiers through a secure and transparent marketplace.
- Pre- and post-factoring financing options
- End-to-End Digital Business Platform
- Shariah Compliant