The Sistem Potongan Gaji Angkasa (SPGA) is a salary deduction mechanism administered by Angkasa that enables automatic repayment of approved financing directly from your monthly salary. Once your Ringgit Ease application is approved, we coordinate with your employer's human resources department to register the deduction in the SPGA system. On each payday, your installment amount is automatically deducted from your gross salary before the net amount is transferred to your bank account. This deduction is then remitted directly to us by your employer through the SPGA system. You do not need to make manual payments, set calendar reminders, or worry about missed due dates—the entire process is handled automatically alongside your other statutory deductions like EPF, SOCSO, and income tax.

Ringgit Ease operates on Islamic financing principles that strictly avoid interest (riba). The specific structure may vary based on the financing arrangement, but all transactions are reviewed and approved by Shoraka's Shariah Advisory Board to ensure full compliance with Islamic finance guidelines. Unlike conventional loans that charge interest, Ringgit Ease uses permissible Islamic contracts where any profit or service fee is agreed upon upfront and disclosed transparently before disbursement. This means you know exactly what you will repay from the beginning, with no hidden charges or compounding interest. Our Shariah Advisory Board conducts regular audits to maintain ongoing compliance and ensure that every financing contract meets the highest standards of Islamic ethics.