[198301002944 (98127-X)]

Impact Report 2022

 Narrated by ‘Abdullah bin ‘Amr:
02 MESSAGE FROM THE GCEO
A man asked the Prophet PBUH,
08 HISTORICAL MILESTONES
“What sort of deeds or
10 THE SADAQA HOUSE
(what qualities of) Islam are good?” ECOSYSTEM
10 Our Purpose & Focus
The Prophet PBUH REPLIED, 14 Assuring Governance
“To feed (the poor) and greet those 22 Shariah Supervisory Council
Report
whom you know and those whom you
do not KNOW."
(Sahih al-Bukhari 12)
24 2022 IMPACT & REACH 50 FINANCIAL REPORT
26 Healthcare 50 Fund Collection in 2022
28 Education 51 Fund Disbursement in 2022
34 Environment
52 CONTRIBUTION CHANNELS
36 Community Empowerment
55 TESTIMONIALS

58 PAKAT SAPOT

Malaysians Care for

Malaysians
The future of humanity lies in our children. That’s the
message in this simple yet meaningful cover - a row of
happy multiracial children running together denotes
positivity and inclusivity. A beautiful green horizon
surrounds them, opening the children's eyes to new
nurturing experiences and opportunities.

This year’s report highlights Sadaqa House’s

Orphan Fund, an innovative new care product with
a holistic community impact. While opening up the
lives of underserved children to vast opportunities,
the fund also generates income to benefit the
community. Find out more within.
 Impact Report 2022
2

Mohd Muazzam
Mohamed
Group Chief Executive Officer
Bank Islam Malaysia Berhad

IN THE NAME OF ALLAH, THE MOST GRACIOUS, THE MOST MERCIFUL

PEACE BE UPON YOU AND MERCY OF ALLAH AND HIS BLESSINGS

In times of trials and tribulations, grace shines brightest. Seeing the

increased support that Sadaqa House received through the recent pandemic
challenges was heartening. Not to mention witnessing the joy the platform
has brought to so many deserving individuals from the vulnerable segments
of society as it expands the potential of Social Finance.
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Sadaqa House is in its fifth year of establishment. How do you see its
Q
progress so far, especially in 2022?

In the last five years, Sadaqa House’s progress has been marked, not just by the passing
A of years, but by the ever-increasing fulfilment of its potential as a social finance instrument
for meaningful impact.

Every year more sources of funds are enabled,

allowing us to serve those in need better. This includes
the introduction of a new fund - Wakalah Zakat*.

Alhamdulillah, during the year, Sadaqa House received

over RM7 million and distributed over RM5 million 2022 highlights
to uplift the lives of more than 10,000 beneficiaries.
Total Incoming Fund
In addition, through the iTEKAD BangKIT Microfinance
programme, the Bank has disbursed over RM3 million RM7,318,908.69
of accumulated funds to aid 234 micro-entrepreneurs.
Total Disbursement
A feather to our cap was when iTEKAD BangKIT
Microfinance was picked as a finalist for The Impact
RM5,123,326.96
(inclusive of iTEKAD BangKIT
Challenge Prize, under the Royal Award for Islamic Microfinance)
Finance (The Royal Award), a distinctive honour by the
Securities Commission of Malaysia and Bank Negara
Beneficiaries
Malaysia under the Malaysia International Islamic
Financial Centre (MIFC) initiative. The prestigious award 10,545
recognises leaders and visionaries who inspire others to (inclusive of 234 iTEKAD BangKIT
positively impact the world through shared values and Microfinance participants)
principles of Islamic finance.

Beyond this, Sadaqa House achieved several other milestones in 2022.

On 27 May, we launched the Sadaqa House Orphan Fund to reach a segment close
to our hearts - the Aytam (orphans). Through this fund, we aim to deliver a holistic
“From Cradle to Graduation" solution to ensure that orphans are accorded equal
opportunities to succeed in life. Our short-term target is to safeguard the well-being
of the orphans through the fund by supporting selected partners caring for more than
10,000 orphans, directly or indirectly, and asnaf children in the next five years.

* Wakalah Zakat is a portion of zakat refunded by the State Islamic Religious Councils for Bank Islam's self-distribution.
 Impact Report 2022
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Message from THE GCEO

What is the aspiration of the With the fund as the catalyst of the
Q Community Economic Empowerment
Orphan Fund?
Ecosystem (C3e), greater inclusivity can
We envision the Orphan Fund to be be promoted to realise higher objectives
A the catalyst for the evolution of Sadaqa of Shariah (Maqasid Shariah) of the
House from a charity platform to an entity economy, driven by sustainability and
that fronts greater financial inclusion by relevance.
transforming the lives of orphans and the
community.
The Orphan Fund is inspired
We aim to raise RM1 billion in Perpetual by Value-based Intermediation
Fund by 2040 and distribute a minimum (VBI) principles, the Bank’s
of RM3 million monthly for targeted commitment to broadening our
welfare and education programmes.
ESG impact, and in pursuit of
These programmes will be pertinent to the UN Sustainable Development
stage of life, from birth to 18 years, to ensure Goals.
to the best of our ability, that every orphan
shall have equal opportunities to succeed
in life. By 2040
If the Orphan Fund can help make their
transition from orphans to young adults
with self-belief and confidence, then these
“Sadaqa House Kids” can look forward to
Target
a better future.

Through this fund, we also aim to expand

RM1 billion Perpetual Fund size
the social finance potential of Sadaqa
House by enabling a multiplier effect
whereby every donation to the fund derives
a two-fold outcome - orphans as principal
beneficiaries and the empowerment of the Distribution
community at large.
RM3 million per month
The prospective fund size of RM1 billion
to be raised will provide zero-cost funding
with immense potential to accord multiple
Islamic social finance and financial inclusion
solutions.
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Thus, through collaborations with

What is the significance of placing
Q implementing partners, we designed
the Orphan Fund under Sadaqa the Orphan Fund to provide orphans
House? opportunities to realise their talents and
potential for the good of the nation’s
In line with Bank Islam’s five-year strategic future.
A business plan (LEAP25), in which the
Bank aims to become a Shariah-ESG total From the Islamic perspective, orphans
financing solution provider with leadership are mentioned 23 times in 22 verses in
in digital banking and social finance, the Quran. It reminds us that we have
we are committed to driving efforts in a responsibility and should not forsake
sharing our prosperity and ensuring them.
more comprehensive financial inclusion.
As narrated by Abu Hurairah RA,
Through our collaboration with selected the Prophet (PBUH) said:
implementation partners, the Sadaqa House
Orphan Fund is set to benefit the welfare
and growth of orphans in Malaysia. Whomsoever passes his
hand over the head of an
Q Why the focus on orphans? orphan to please Allah
We chose to focus on orphans in response Almighty gets a virtue in
A to statistics that showed close to 5,000 return for every hair that
children have been orphaned due to
COVID-19 in Malaysia. The number has his hand passes over.
added to an estimated 50,000 orphans and Moreover, whosoever does
an average of 100 babies abandoned each
year in Malaysia. good to an orphan boy or
girl, I and he will be like this
The cause is close to our hearts. To grow
up in an institution, never knowing the in Paradise (He (pbuh) said
tender touch of a mother and the protection this after having joined his
of a father or the warmth of a home,
orphans are susceptible to low self-esteem two fingers).
and an inferiority complex - a massive
disadvantage even before they come (Musnad Imam Ahmad, Hadith 22215)
out to the real world at 18.
 Impact Report 2022
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Message from THE GCEO

What is the latest progress of For that, we have developed the impact
Q measurement framework to measure
iTEKAD BangKIT microfinance?
transformational upward mobility.
It has been two years since we
A introduced iTEKAD BangKIT We plan to develop a Business Performance
Microfinance, zero-profit-based Tracking for micro-entrepreneurs using apps
financing with a blended finance in 2023.
element.

From April 2021 to 31 December 2022, In 2022, Bank Negara Malaysia

RM4.6 million has been disbursed, gave permission to merge the
benefiting 374 micro-entrepreneurs brand iTEKAD into microfinance
all over Malaysia. offered by Bank Islam. Hence
the BangKIT Microfinance is now
Bank Islam believes that improving known as iTEKAD BangKIT.
the capabilities and resilience of
We also introduced another
micro-businesses depends not only
on the injection of funds provided, product, iTEKAD Maju, to
but also on a more comprehensive differentiate the grading of the
approach, including the provision micro-entrepreneur’s upward
of entrepreneurship and financial mobility.
management training to participants
of the iTEKAD BangKIT programme.
On 17 March 2023, Bank Islam tied a
In fact, Bank Islam intends to broaden partnership with MESINKIRA Sdn Bhd
the financing impact, focusing not only (MESINKIRA) to adopt an end-to-end
on financing payments, but also on integrated mobile business management
the transformation indicators of the solution.
programme participants.
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The partnership is aimed at supporting

underbanked micro-entrepreneurs in For 2023, we look forward to
digitalising their business operations. the gradual implementation of
the C3e. We hope to receive the
With the apps, we support small
businesses' growth with a structured
targeted funds to implement
Business Upward Mobility Programme, various initiatives and cascade the
and nurture underbanked micro impact of economic empowerment
businesses to mainstream banking for to all deserving groups in the
more significant business growth. community.
Along the journey, we are open to
many collaborations, including with To this end, we intend to implement impact
government agencies, to empower more measurement throughout Sadaqa House
micro-entrepreneurs across Malaysia. project sectors, as we currently do with
iTEKAD BangKIT Microfinance participants.
What does the future look like for On a final note, I would like to reiterate the
Q
Sadaqa House? Sadaqa House's “Malaysians Care for
Malaysians” tagline, which we created in
From a desire to use a banking 2022. While reflecting the Bank’s focus on
A framework to collect social welfare funds inclusivity and unity across races, faiths and
to support changemakers, we now see ages, the saying reflects our vision of Islamic
Sadaqa House evolving the C3e through social finance as a sustainable venture able
its diverse platforms. to provide prosperity for all.
 Impact Report 2022
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The idea of Sadaqa House was first mooted by Chronological Development of

Dato’ Dr Abdul Halim Ismail, the first Managing Sadaqa House:
Director of Bank Islam, when he received the
Royal Award for Islamic Finance on 2 September
2014.
Seminar on Zakat, Waqf &
Sadaqah and the launch of
His wish was to implement Sadaqa House as an
Sadaqa House Green Report
Islamic banking product. In his award receiving
organised by Bank Islam and
lecture, he envisioned the establishment of an
19 April 2017
IRCIEF in Kuala Lumpur.
institution to provide products and services that
collect various types of social welfare funds such In November, the Sadaqa
as sadaqah, waqf and hibah from the private House Book was launched
sector and distribute these to the disadvantaged at World Islamic Economic
in our society. Forum 2017 in Kuching,
Sarawak. The publication of
Inspired by his vision, Bank Islam cooperated the book was sponsored by
with Universiti Islam Antarabangsa Selangor Bank Islam.
(UIS) 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.

Bank Islam cooperated with Seminar on Sadaqa

IRCIEF in commencing research House was held
on the viability of Sadaqa House at Menara Bank
within the Islamic banking Islam, Kuala Lumpur,
20 October 2014

29 October 2015

framework. The research focused organised by Bank Sadaqa House was

19 January 2018

on four areas: Islam and IRCIEF.

launched during
- Shariah
Karnival Kewangan
- Legal
- Taxation Bank Negara Malaysia
- Governance at Alor Setar, Kedah,
as a strategic initiative
The Chief Shariah Officer of under the VBI agenda.
Bank Islam served as a steering
committee member together with
The Sadaqa House
Dato’ Dr Abdul Halim Ismail and
Professor Dato’ Dr Abdul Halim website was launched
Tamuri (Rector of UIS). in November 2020.
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Sadaqa House received Participated in The Royal Award for Islamic

international recognition as the Finance: Impact Challenge Prize 2022.
Best Social Finance Initiative
Award from Cambridge Bank Islam BangKIT Microfinance was among
January 2020

March 2022
International Financial Advisory in the 17 finalists for the award.
conjunction with the Islamic Retail
Banking Award 2019. Note: The Royal Award for Islamic Finance
(The Royal Award) is a distinctive award recognising
leaders and visionaries who inspire others to create a
SADAQA HOUSE IMPACTS FOR positive impact in the world through the shared values
THE YEAR and principles of Islamic finance. This Royal Award
is jointly organised by the Securities Commission
January - September 2020 Malaysia and Bank Negara Malaysia, under the
Malaysia International Islamic Financial Centre (MIFC)
• Total Incoming Funds:
initiative. The Royal Award is given out once every two
RM5,506,730.96 years. The inaugural award was presented in 2010.
• Total Disbursement:
RM1,507,012.54
• Benefited:
515 beneficiaries

Sadaqa House received two awards: Shariah Supervisory

1. Excellence Award for Council has approved the
Islamic Social Finance creation of a Wakalah Zakat
2021 (IRBA) fund under Sadaqa House.
November 2022
2021

2. Company of the Year

for Outstanding
Community Support
2021 (CSR Malaysia)

SADAQA HOUSE IMPACTS FOR THE YEAR

January - December 2021

• Total Incoming Funds:
RM3,343,746.38
The launch of Sadaqa House
• Total Disbursement:
Orphan Fund.
RM3,628,874.21
- including iTEKAD BangKIT
Bank Islam aims to deliver
27 May 2022

• Benefited: a holistic “From Cradle to

4,905 beneficiaries Graduation” solution to ensure
- including iTEKAD BangKIT that orphans are afforded equal
opportunities to succeed in life.
The launch of BangKIT
Microfinance programme,
an initiative to assist underbanked
micro-entrepreneurs.
November 2020

Note: BangKIT Microfinance is known as

iTEKAD BangKIT from 2023.
 Impact Report 2022
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Our Purpose
A social finance instrument aligned
to Malaysia’s FSB, which drives social
mobility and anchored on principles of
through Sadaqa House, aspires to VBI. Target positive ESG impacts towards
become a leading Islamic Bank in social contributing to the nation’s UN SDG
finance, in alignment with the nation’s commitments.
Financial Sector Blueprint (FSB)
2022-2026 that targets: Social Finance
A business model that aims to deliver
Finance for all tangible social outcomes by mobilising
philanthropic capital.

Finance for transformation Philanthropic Capital

Islamic philanthropic capital is derived
Finance for sustainability from sadaqah, waqf and zakat.

Value-based Intermediation (Vbi)

Upholding the principle of responsibility,
The VBI aims to re-orient Islamic finance
accountability and transparency, Sadaqa
business models towards realising the
House collects, manages and distributes
objectives of Shariah that generate
donations from the public towards realising
positive and sustainable impact through
identified projects that uplift underserved
practices, processes, offerings and
communities. The four main sectors
conduct.
where funds are channelled are
Community Empowerment, Healthcare, United Nations Sustainability
Education and Environment. These are in Development Goals (UN SDG)
line with the underpinning thrust of Bank
Negara Malaysia’s Guidance Documents The 17 UN SDGs are at the heart of
on Value-based Intermediation (VBI) for the 2030 Agenda for Sustainable
Islamic banks. Development, adopted by all UN
Member States to transform our world.
As a signatory to the United Nations
2030 Agenda for Sustainable
Development, Malaysia aligned the 12th
Malaysia Plan initiatives with the UN SDG.
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Our Focus Malaysians Care for

Malaysians
Sadaqa House facilitates wealth
distribution as it gives back to society Embodying a true Malaysian spirit, Sadaqa
by playing a vital role as an House practices an inclusive approach in
intermediary and meeting point terms of its policies. Regardless of religion,
between donors, changemakers and all are welcomed and served by Sadaqa
beneficiaries. It is essentially a charity House as donors and beneficiaries.
crowdfunding platform where potential This approach comes from Bank Islam’s
donors and charity projects meet at a belief that opportunities should be open to
common point facilitated by Bank Islam all in propagating a philanthropic culture
to fulfil the needs of both donors and and helping all Malaysians to manage their
beneficiaries. donations from end-to-end.

Aimed to deliver positive, measurable

and sustainable impact, every aspect
of the process is implemented with
good governance and professional
fund management, instilling trust and
assurance that contributions to
Sadaqa House are channelled
towards impactful projects that
benefit lives directly.
 Impact Report 2022
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OUR PURPOSE AND FOCUS

4 sector
focus
Community
Empowerment

Healthcare

Education

Environment
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Community
Healthcare
Empowerment

Sadaqa House aims to enable and Sadaqa House aims to support

support community-led actions underserved communities with
that strengthen social cohesion access to quality health treatment.
and inclusivity through sustainable
economic and social empowerment
within communities.

Education Environment

Sadaqa House aims to support the Sadaqa House aims to protect

efforts of communities in ensuring natural capital and resources
every child has access to quality through the building of
education with an emphasis on environmental consciousness,
holistic learning outcomes. as well as supporting renewable
energy efforts.
 Impact Report 2022
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The fund structure of Sadaqa House with

donation and
Wakalah Zakat Fund
distribution process
Sadaqa House (SH) ensures Fund Collection Funds Management
good governance is adopted
and implemented in the
end-to-end process of
managing donation funds
from the public.

At Bank Islam, there is a SH PERPETUAL

dedicated internal oversight FUND
management sub-committee
named Sadaqa House and
Zakat Committee to provide Channels a monthly
oversight and direction on contribution to the Orphan
Fund from its Friday
the strategies, processes and collections. SH DIRECT
activities of Sadaqa House. FUND

Public
No portion of the contribution
public contribution • Individuals SH GENERAL
is retained for the • Institutions FUND
operations of Sadaqa
House. Since its
inception, all costs • Charity Fund
incurred by Sadaqa • Wakalah Zakat
House has been SH WAKALAH
• CSR Fund ZAKAT FUND
borne by Bank Islam.
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Funds Distribution

SH BangKIT Distribution by way of microfinancing Underbanked

Revolving Fund micro-entrepreneurs

SH ORPHAN FUND
Annually, 20% of the fund is distributed
through changemakers, while 80% will be
invested to ensure perpetual distribution
Orphans

SH Direct Fund will be distributed specifically to chosen projects intended

by donors Project 1

Project 2
SH General Fund will be distributed based on the discretion of Sadaqa
House and Zakat Committee

Project 3

Project 4
SH Wakalah Zakat fund will be distributed to asnaf in line with Shariah
requirements
 Impact Report 2022
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ASSURING GOVERNANCE
fund categories Management of Fund

Perpetual Fund Sadaqa House is operated by the Group

Financial Inclusion Division of Bank Islam and
Contributions are invested
is guided by Sadaqa House Management
and the proceeds of
Guideline, which was approved by the Board
the investment will
Risk Committee and Shariah Supervisory
be channelled to the
Council of the Bank. The Sadaqa House
beneficiaries.
and Zakat Committee is the dedicated
Currently there are two management sub-committee that provides
funds: oversight and direction on the strategies,
• BangKIT Revolving Fund processes, and activities of Sadaqa House.
• Sadaqa House Orphan
Fund Governance of Sadaqa House
In managing the public donations of Sadaqa
Direct Fund
House, the Bank remains steadfast in
The fund will be directly promoting and sustaining a strong culture
contributing to the projects of corporate governance in order to protect
managed by changemakers. the interests of all stakeholders, including
the donors and beneficiaries. In this respect,
General Fund the Bank is fully committed to adopting high
Contributions for special standards of business integrity, ethics and
projects to be determined professionalism with the right executive
by Sadaqa House. leadership and strategy. At the same time,
the Bank ensures internal controls, risk
Wakalah Zakat Fund management and compliance with Shariah
Wakalah Zakat is a portion of rules and principles govern all of the Bank’s
Bank Islam’s zakat refunded initiatives, including Sadaqa House.
by the State Islamic
To achieve the said objectives, the Board
Religious Councils for Bank
adopts the requirements of Bank Negara
Islam's self-distribution.
Malaysia (BNM)’s Corporate Governance
Policy issued on 3 August 2016, Malaysian
Code of Corporate Governance 2021 and
other relevant conditions, as outlined under
the respective policy documents by BNM.
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The governance structure in managing Sadaqa House is illustrated below:

Shariah
Board of
Supervisory
Directors
Council
Board Committees

Board Strategy Board Audit and

Board Risk
and Sustainability Examination
Committee
Committee Committee
Management Committees

Sadaqa House Group Management Management

and Zakat and Executive Risk Control
Committee Committee Committee
Executive

Group Financial Group Internal

Inclusion Audit
 Impact Report 2022
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ASSURING GOVERNANCE
Governance Organs and Roles and Responsibilities

Board of Directors
• The Board is responsible for establishing an effective governance
arrangement to facilitate effective monitoring and control of the Bank's
overall management and conduct, including Sadaqa House.

Shariah Supervisory Council (SSC)

• Advise and clarify on relevant Shariah rules and principles in operating
Sadaqa House funds.
• Issue an annual confirmation report on the Shariah compliance status of
Sadaqa House.

Board Strategy and Sustainability Committee (BSSC)

• Assist the Board in overseeing, supervising and monitoring 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 BSSC closely monitors through
frequent updates for deliberation.
• Quarterly performance reports of Sadaqa House are presented to BSSC
for notification and deliberation.

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 independent oversight of 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 the
management of Sadaqa House.
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Board Audit and Examination Committee (BAEC)

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

Management Risk Control Committee (MRCC)

• Responsible for performing the oversight functions to ensure effective risk
management of critical 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.

Sadaqa House and Zakat Committee (SHZC)

• Assist MRCC in performing independent oversight and providing direction
in respect of the management, operations and performance of Sadaqa
House.
• Evaluate and approve the selection of changemaker, 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.

Internal Audit Division (IAD)

• Responsible for providing independent assurance to the 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.
 Impact Report 2022
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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

Assistant General Manager
Saiful Anuar Hambali Strategic Planning
Group Chief Shariah Officer Group CEO's Office
Group Shariah Division
Zakaria Yusof
Assistant General Manager
Operational Risk
Group Risk Management Division

Maziah Mokhtar
Assistant General Manager
Credit Analysis
Group 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 changemakers

It is crucial to ensure that the changemakers included in the platform are

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

Sadaqa House comprehensively assesses every changemaker, including

anti-money laundering (AML) checking. Every changemaker must be
approved by the Sadaqa House and Zakat Committee. An annual review will
be performed on the appointed changemakers to ensure their operations
and directions align with Sadaqa House’s requirements.

Assessment of beneficiaries

All beneficiaries under Sadaqa House are 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 conducts a thorough assessment of the viability of charity

projects and track their progress. For iTEKAD BangKIT, Sadaqa House
performs credit evaluations on the recipients. Reports generated are then
escalated to the Sadaqa House and Zakat Committee on a frequent basis.
 Impact Report 2022
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SALAM SEJAHTERA

In carrying out the roles and In performing our roles and

responsibilities of the Shariah responsibilities, we had obtained
Supervisory Council (SSC) as all the information and explanations
prescribed in the Shariah Governance which we considered necessary in
Policy Document (SGPD) issued providing us with sufficient evidence
by Bank Negara Malaysia (BNM), to give a reasonable assurance that
and in compliance with our letter of the management of Sadaqa House has
appointment, we hereby submit our complied with the applicable Shariah
report for Sadaqa House for the financial rules and principles, that includes four (4)
year ended 31 December 2022. quarterly Sadaqa House management
reports during the financial year in which
The Bank’s management ensures that we reviewed, among others, its fund
the conduct of operations, business, collection, fund management and fund
affairs, and activities of Sadaqa House distribution. In addition, we had also
follow the relevant Shariah rules and reviewed the reports of Shariah control
principles as outlined in the Shariah functions i.e. Shariah Compliance,
Compliance Policy, Sadaqa House Shariah Audit and Shariah Risk
Management Guideline and Charity Management with regards to
Fund Management Guideline approved Sadaqa House.
by us. Our responsibility is to form an
independent opinion based on the At the management level, Sadaqa
review of the conduct and businesses of House is operated by the Group
Sadaqa House in producing this report. Financial Inclusion Division on a
day-to-day basis and is overseen
by the management level committee,
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Sadaqa House and Zakat Committee, Members of the Shariah

where the members include the Group Supervisory Council:
Chief Shariah Officer and Group Chief
Financial Inclusion Officer. • Professor Dato’ Dr Ahmad
Hidayat Buang (Chairman)
Throughout 2022, we confirmed there is no
incidence of Shariah Non-Compliance event • Associate Professor Dr Yasmin
in the management of Sadaqa House. Hanani Mohd Safian

Based on the above, we, members of • Professor Dr Asmadi Mohamed

Shariah Supervisory Council of Bank Islam Naim
Malaysia Berhad, do hereby confirm that,
• Dr Shamsiah Mohamad
to the best of our knowledge, the
operations of Sadaqa House for the year • Sahibus Samahah Datu Haji Kipli
ended 31 December 2022 has been Haji Yassin
conducted in conformity with the applicable
Shariah rules and principles. • Ir Dr Muhamad Fuad Abdullah
"We bear witness only to what we know,
and we could not well guard against the
unseen!" (Surah Yusuf, verse:81) Kuala Lumpur
Dated 31 January 2023
Allah knows best.
 Impact Report 2022
24

Social finance
that maximises
resilient futures calls
for concerted efforts
towards supporting projects
that target vulnerable
communities and provide
meaningful, inclusive and
sustainable impacts.
Through selective
partnerships, Sadaqa House
channels and grows public
contributions towards
projects that are anchored
on VBI principles, delivers
ESG impacts and meet
UN SDGs. Total Disbursement in 2022

RM5,123,326.96
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Total iTEKAD BangKIT Microfinance Total Beneficiaries in 2022

Disbursement
10,545 (inclusive of 234 iTEKAD
RM3,062,000.00 BangKIT Microfinance participants)
 Impact Report 2022
26

2022 IMPACT & REACH

LIFE ON LAND NO
POVERTY

HEALTHCARE REDUCED
INEQUALITIES

Good health is the first step 17

1
ZERO
HUNGER
towards a better quality of life. 15
DECENT WORK United Nations 2
We aid young children to grow AND ECONOMIC
Sustainable
GROWTH 8
so they can paint a more colourful Development 3 GOOD HEALTH
future for themselves, their families 7
Goals AND
WELL-BEING
and the nation. AFFORDABLE 5
4
AND CLEAN
ENERGY
QUALITY
Our children are the heart of GENDER
EQUALITY
EDUCATION

our future. Within an environment

of rising medical costs, good
healthcare can be a stumbling block for low-income families.
By fully funding critical healthcare needs, we ensure vulnerable
families continue to enjoy economic resilience and provide hope
in their time of need.

Medical intervention for children with congenital disease

Focus
Areas:
Supporting low income families in getting quality healthcare
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Making a Difference, Heart to Heart

3
GOOD HEALTH AND WELL-BEING

Amount distributed in 2022: Total disbursement 2018-2022:

RM430,909.80 RM1,297,676.01
144 paediatric patients
Beneficiaries impacted: 
78 paediatric patients

Our collaboration with Institut Jantung Negara Foundation (IJNF) provides financial
assistance to paediatric congenital heart disease patients from underprivileged
families to undergo heart surgery at Institut Jantung Negara (IJN).
In 2022, we had the opportunity to meet with two out of 78 recipients during the
handover of the Sadaqa House distribution ceremony:
1. Dzulfaqih Bin Dzulhilmi, a patient who needs to undergo 10 months of
Percutaneous Transluminal Balloon Valvuloplasty of Pulmonary Valve.
2. Nur Intan Syafiqas Binti Abdul Razak, an eight-year-old patient with a Cardiac Cath
problem.

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2022 IMPACT & REACH

LIFE ON LAND NO
POVERTY

EDUCATION REDUCED
INEQUALITIES

In building better futures, 17

1
ZERO
HUNGER
we support community efforts to 15
DECENT WORK United Nations 2
ensure every child has access to AND ECONOMIC
Sustainable
GROWTH 8
quality education, regardless of Development GOOD HEALTH
3
their background, to provide the 7
Goals AND
WELL-BEING
next generation of Malaysians equal AFFORDABLE 5
4
AND CLEAN
opportunities to thrive and develop ENERGY
QUALITY
their potential. GENDER
EQUALITY
EDUCATION

Every Malaysian child deserves

access to quality education as this is an essential tool to ensure
success in life and break the cycle of poverty. It is also a vital
component of nation-building.

Ensuring education for children from marginalised

communities

Focus Improving school environment for a more conducive

Areas: learning experience

Financial support for undergraduates from low-income families

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29

Provide equal education opportunity to marginalised children

4 10
QUALITY EDUCATION REDUCED INEQUALITIES

Amount distributed in 2022: Total disbursement 2020-2022:

RM120,000.00 RM312,182.75
238 students
Beneficiaries impacted: 
67 students

Buku Jalanan Chow Kit (BJCK) is one of Sadaqa House's changemakers for the
Education Focus sector. The financial assistance extended aids in providing quality
education for underserved children in the Chow Kit area, ensuring a better future for
the children.
From 2022, contributions received are used to cover the monthly expenses for
operating costs and the rental of the building where BJCK operates. The four-storey
building is utilised as a learning facility, while the ground floor is planned as a business
centre operated by the parents of BJCK kids.

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2022 IMPACT & REACH

Provision of a conducive environment for the school prayer halls
(surau or musolla) in rural areas for the students’ behavioural
development

4
QUALITY EDUCATION

Amount distributed in 2022: Beneficiaries impacted:  Total disbursement 2020-2022:

RM398,314.68 32 schools RM487,404.68
34 schools

The collaboration with Pertubuhan Kegiatan Dakwah Islamiah Sekolah-Sekolah

Malaysia (PEKDIS) focuses on providing equal opportunities to school children by
ensuring they benefit from a well-equipped and comfortable surau and musolla in the
school. The space will bring diversity to the teaching and learning process and have
a significant impact in shaping and nurturing the discipline and attitude of Malaysian
school children for the betterment of the country in the future.
In 2022, the funds were used to renovate three suraus at a total cost of RM153,403.68
under the supervision of Islamic Education Division, Ministry of Education Malaysia
at the following schools:
1. Sekolah Kebangsaan (SK) Gading-Gading, Kunak, Sabah
2. SK Kompleks Mengabang Telipot, Terengganu
3. Sekolah Menengah Kebangsaan (SMK) Tinggi Setapak, Kuala Lumpur
Sadaqa House's assistance is also extended to 29 schools to refurbish and
upgrade the existing surau or musolla with a total amount of RM244,911.

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Perlis Pulau Pinang

• SMK Syed Hassan • SK Alma Jaya,
• SMK Perlis Bukit Mertajam
• SK Sungai Bakau, Nibong Tebal
• SK Tan Sri P Ramlee, Georgetown

Kedah
• SK Sungai Kering
• SK Tualak, Perak Kelantan
Kuala Nerang • SK Sungai Baharu • SMK Agama
• Maktab Mahmud, • SMK Pengkalan Hulu Tok Bachok
Langkawi • SK Kampung Maamor • SK Seri Aman,
Pasir Puteh

Selangor
Sabah
• SMK Sungai
Choh, Rawang • SK Gading-Gading,
• SK Bukit Kunak, Sabah
Beruntung,
Rawang

Johor Terengganu
• Sekolah Menengah • SK Kompleks
(SM) Agama Darul Mengabang Telipot,
Kuala Lumpur
Ulum Terengganu
• SK Petaling 1 • SM Sains
• SK Petaling 2 Melaka
Kuala Terengganu
• SK St Gabriel • SK Bukit Beringin,
• SMK Maxwell Masjid Tanah
• SMK Tinggi Setapak, Pahang
Kuala Lumpur Negeri Sembilan • SK Pahang Tua
• SMK Jelai Kuala Pilah
• SMK Tunku Kurshiah
• SMK Za’ba, Kuala
Putrajaya Pilah

• SK Putrajaya 16 (1)
 Impact Report 2022
32

2022 IMPACT & REACH

Provide assistance to higher education students from families
facing financial difficulties to complete their studies.

4 10
QUALITY EDUCATION REDUCED INEQUALITIES

Amount distributed in 2022: Beneficiaries impacted:  Total disbursement 2019-2022:

RM168,950.00 90 students RM379,516.00
244 students

The COVID-19 pandemic affected working adults and students at higher learning
institutions.
In 2022, through this collaboration with Brain For Future, assistance that was given by
Sadaqa House provided relief to affected students in 16 universities to complete their
studies without any financial setbacks.
The assistance alleviates poverty by offering financial aid to underprivileged university
students, especially those in their third and fourth years of studies.
We ardently hope these successful students will build promising careers after
graduation and contribute back to other underprivileged students at their campuses.

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No. University No. of Students

1 Universiti Islam Antarabangsa Malaysia (IIUM) 6
2 Universiti Teknologi MARA (UiTM) 2
3 Universiti Kebangsaan Malaysia (UKM) 1
4 Universiti Malaysia Pahang (UMP) 20
5 Universiti Malaysia Sabah (UMS) 15
6 Universiti Malaysia Terengganu (UMT) 2
7 Universiti Malaysia Perlis (UNIMAP) 11
8 Universiti Putra Malaysia (UPM) 1
9 Universiti Sains Islam Malaysia (USIM) 4
10 Universiti Sains Malaysia (USM) 2
11 Universiti Tun Hussein Onn Malaysia (UTHM) 1
12 Universiti Teknologi Malaysia (UTM) 13
13 Universiti Utara Malaysia (UUM) 8
14 Universiti Malaysia Sarawak (UNIMAS) 1
15 Universiti Pertahanan Malaysia (UPNM) 1
16 Universiti Pergurusan Sultan Idris (UPSI) 2
90

Other impacts

1 5 8
NO POVERTY GENDER EQUALITY DECENT WORK AND ECONOMIC GROWTH

Amount distributed in 2022: Beneficiaries impacted: 

RM21,172 2

Muhammad Fayyadh Purpose:

Continuous funds for education and
RM15,022.00 tuition fees for a 3-year study

Academy of Islamic Studies, Universiti Malaya Purpose:

Sponsorship for the publication of the
RM6,150.00 Journal of Shariah Law Research
 Impact Report 2022
34

2022 IMPACT & REACH

LIFE ON LAND NO
POVERTY

ENVIRONMENT REDUCED
INEQUALITIES

We support renewable energy 17

1
ZERO
HUNGER
efforts to help marginalised 15
DECENT WORK United Nations 2
communities harness solar power AND ECONOMIC
Sustainable
GROWTH 8
to elevate their way of life. Development GOOD HEALTH
3
We aim to build a shared 7
Goals AND
WELL-BEING
responsibility towards a sustainable AFFORDABLE 5
4
AND CLEAN
lifestyle by implementing innovative ENERGY
QUALITY
solutions. GENDER
EQUALITY
EDUCATION

Solar power is a low-carbon, resource-efficient, resilient and

sustainable energy solution that can also increase the quality
of life.

Focus
Supporting renewable energy efforts for rural communities
Areas:
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35

Providing cheaper and more sustainable

Photovoltaic System projects to the Orang Asli and
underserved communities in Malaysia

7 10
AFFORDABLE AND CLEAN ENERGY LIFE ON LAND

Amount distributed in 2022: Beneficiaries impacted:  Total disbursement 2018-2022:

RM97,000.00 22 houses RM394,000.00
70 families/houses

This project collaboration with Universiti Teknologi Malaysia (UTM) is to provide a solar
system renewable energy source for Orang Asli and the underserved communities in
rural areas.
It has benefited the villagers by producing much lower cost and allowing
round-the-clock access to electricity to enhance the quality of their daily lives.
The recent floods have affected the indigenous settlements in Kluang, Johor and
damaged the existing solar panel in Kampung Orang Asli Pucur. The fund covers
repairing and upgrading the photovoltaic solar panel system.

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2022 IMPACT & REACH

LIFE ON LAND NO
POVERTY

COMMUNITY EMPOWERMENT REDUCED

INEQUALITIES

We work to create sustainable 17

1
ZERO
HUNGER
communities that are economically 15
DECENT WORK United Nations 2
resilient, cohesively strong, AND ECONOMIC
Sustainable
GROWTH 8
and able to access opportunities Development 3 GOOD HEALTH
that enhance their livelihoods. 7
Goals AND
WELL-BEING
4
AFFORDABLE 5
AND CLEAN
Our mission is to advance ENERGY
GENDER
QUALITY
EDUCATION
prosperity for all. A better future EQUALITY

is a priceless gift. By providing

opportunities that empower the disadvantaged, we seek to
break the community's poverty cycle. Sadaqa House supports
community development by funding community-led projects
that find meaningful solutions for specific challenges among the
underserved community groups.

Reduce poverty

Focus
Uplift economic opportunities for vulnerable groups
Areas:

Alleviate challenges for the disadvantaged

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37

A Helping Hand to a Better Life

3
GOOD HEALTH AND WELL-BEING

Amount distributed in 2022: Beneficiarie impacted:  Total disbursement 2019-2022:

RM15,000.00 2 children RM58,888.00
9 recipients

The funds contributed to MyVista in 2022 were used to produce 3D prosthetic arms
for two disabled children from underprivileged families. Though the 3D prosthetic limb
does not function like a real arm or hand, it helps boost recipients' confidence in daily
activities.
This year's recipients are both active in
sports. Putri Nurdini Abdullah had been
longing for a hand to join her classmates in
playing ball during their physical education
class, whereas Putri Nur Farisha Mohd
Zarif is active in swimming. She is now
intensively training for the Paralympic
swimming team.

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2022 IMPACT & REACH

“Feed to Educate” Programme

1 2 3 4
NO POVERTY ZERO HUNGER GOOD HEALTH AND WELL-BEING QUALITY EDUCATION

Amount distributed in 2022: Beneficiaries impacted:  Total disbursement 2019-2022:

RM62,400 208 asnaf families RM86,400.00
248 students

The ‘Feed to Educate’ programme under the ‘Charity Right’ project run by Mercy
Mission Malaysia (Mercy) is aimed at addressing the issue of malnutrition among
school children while ensuring school attendance and strengthening relationships
between teachers and parents. The project addresses nutritional deficiencies among
children from the B40 family and provides food assistance to identified families to
ensure their children attend school.
In 2022, we distributed Charity Boxes containing the daily needs of the students and
their families to four schools.
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SK Taman Medan, SK La Salle 1,

Selangor Kuala Lumpur
Assistance: Assistance:
RM7,500.00 50 families x RM150 RM10,500.00 70 families x RM150
per box per box
RM82,500.00 RM115,500.00

SK Titi Tok Bandar, SK Padang Keria,

Perlis Perlis
Assistance: Assistance:
RM8,700.00 58 families x RM150 RM4,500.00 30 families x RM150
per box per box
RM95,700.00 RM49,500.00

Total RM31,200.00 RM343,200.00

Monthly Cost (RM)

Total Cost for 11 months (RM) except Ramadan (October 2022 - October 2023)

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2022 IMPACT & REACH

Assisting Women Micro-Entrepreneurs

1 5 8
NO POVERTY GENDER EQUALITY DECENT WORK AND ECONOMIC GROWTH

Amount distributed in 2022: Total disbursement 2018-2022:

RM18,331.00 RM73,345.79
29 women entrepreneurs
Beneficiaries impacted: 
6 women micro-entrepreneurs

Aware that there are single mothers and those responsible for making a living for
their families, Sadaqa House collaborated with Yayasan Sultanah Bahiyah through the
Women's Small Entrepreneur Development Programme to provide opportunities for
women micro-entrepreneurs in Kedah to purchase business equipment and upgrade
their business.
Through our intervention, identified women entrepreneurs are able to upscale
their businesses and, subsequently, uplift their economic status. The effort will
have cascading impacts that can benefit their families and their surrounding
neighbourhood.
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Other impacts

1 5 8
NO POVERTY GENDER EQUALITY DECENT WORK AND ECONOMIC GROWTH

Amount distributed in 2022: Beneficiaries impacted: 

RM225,249.48 More than 350 recipients

Pengasih Melaka
Recipient:
Agro Rehab Smart Farming Project
RM10,000.00

Funeral Van Contribution Recipient:

Masjid Al-Ismaili, Bandar Baru Pasir Pekan,
RM111,877.60 Kelantan

BangKIT Business Grant (BBG) Purpose:

Grant awarded to a youth micro-entrepreneur
RM5,000.00 from UKM Impianiaga Entrepreneurship
Project

Flood Relief for BBG Recipient Purpose:

Financial assistance for a BBG recipient
RM5,000.00 affected by the flood

iTekad BangKIT Microfinance Purpose:

Training and other expenses for iTEKAD
RM93,371.88 BangKIT entrepreneurs
 Impact Report 2022
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2022 IMPACT & REACH

iTEKAD BangKIT Microfinance:
Creating Upward Mobility

1 8
NO POVERTY DECENT WORK AND ECONOMIC GROWTH

Amount distributed in 2022: Total disbursement 2018-2022:

RM3,062,000.00 RM4,634,000.00 (374 beneficiaries)

Beneficiaries impacted: 
234

Throughout the two years of the facility's introduction to micro-entrepreneurs,

we have witnessed tremendous changes and upward mobility, not only in the
micro-entrepreneurs' businesses but also their aptitude in business.
The Bank has also embarked on a continuous development programme to nurture
upward mobility among micro-entrepreneurs, through the following interventions:

1 4
Engagement with Successful Support on Banking Facilities &
Entrepreneurs Solutions
• 3 successful entrepreneurs • 374 micro-entrepreneurs have
have been invited to share their opened current accounts
business journeys: • 103 customers have registered for
- Nasi Lemak Saleha (F&B) GO mobile app
- LittleTOTs (Education) • 14 customers have opened
- Ruby Water (Service) Al-Awfar investment accounts
• 1 customer has subscribed for a
2 merchant terminal
Education & Training
• 27 onboarding sessions organised
• 339 customers attended 5
Centralised Marketing & Market
Penetration
3 • Introduction of Pakat Sapot
Networking Among Entrepreneurs
initiative to promote participants'
• 5 sessions conducted by our
products and services via Sadaqa
strategic partners, EDCHope and
House and Bank Islam's social
Startlah Innovation
media platforms.
• Involved 86 micro-entrepreneurs
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IMPACT MEASUREMENT FRAMEWORK AND UPWARD MOBILITY IN 2022

An Impact Measurement Framework has been developed as follows:

Grade 1 Grade 2

Micro-entrepreneurs have shown Micro-entrepreneurs has shown

improvement in their credit worthiness: improvement in any of the following
• iTEKAD BangKIT to iTEKAD Maju general dimensions:
• Any facility from Bank Islam • Income/sale
• Any facility from other banks • Asset
• Ready documentation and business • Saving
potential growth for application of • Job creation
other financing facilities • Digitalisation

As of 31 December 2022, 35 micro-entrepreneurs, or 9.4%. of the total 374, have

achieved upward mobility.
Out of these, 6 (1.6%) have achieved Grade 1 while 29 (7.75%) achieved Grade 2.
For Grade 1:
• One BangKIT Business Grant beneficiary received approval for financing of
RM15,000 under the iTEKAD BangKIT Microfinance.
• Four iTEKAD BangKIT customers have been approved for a sum between
RM30,000 to RM50,000 for iTEKAD Maju.
• Two iTEKAD BangKIT customers received approval for their application for an
increase in financing amount of RM20,000.
For Grade 2:
• All 29 micro-entrepreneurs recorded increments in their monthly business sales.
 Impact Report 2022
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2022 IMPACT & REACH

Location of upward mobility micro-entrepreneurs
throughout Malaysia

Perlis Perak Kelantan

• 1 participant • 1 participant • 8 participants
• 1 Grade 2 • 1 Grade 2 • 3 Grade 1
• 5 Grade 2

Kedah
Terengganu
• 6 participants
• 2 participants
• 6 Grade 2
• 1 Grade 1
• 1 Grade 2

Pulau Pinang
Pahang
• 1 participant
• 1 Grade 1 • 4 participants
• 4 Grade 2

Selangor Melaka
• 7 participants • 1 participant
• 7 Grade 2 • 1 Grade 1

Kuala Lumpur
• 4 participants
• 4 Grade 2
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UPLIFTING THE COMMUNITY

In 2022, Sadaqa House embarked on two community-based interventions for
micro-entrepreneurship. Bank Islam's long-term goal is to continue supporting
micro-businesses operated by the vulnerable segment of society and encourage
public involvement in efforts to achieve community well-being.
Collaborating with parties such as the Persatuan Peniaga Pasar Siti Khadijah (PPSK)
and the Lembaga Zakat Negeri Kedah (LZNK) enables Bank Islam to approach those
in need and address the issues faced by them.

The projects involved 2 localities

Location 1: Location 2:
Pasar Siti Khadijah, Paddy Estet Entrepreneurs
Kota Bharu, Kelantan in Kedah
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2022 IMPACT & REACH

Micro-entrepreneurs in Pasar Siti Khadijah, Kota Bharu, Kelantan

Micro-entrepreneurs in Pasar Siti Khadijah (PSK) were severely hit by the enforcement
of the Movement Control Order (MCO) between 2020 to 2021. The state border
restrictions led to a drop in visitors to PSK.
Post-MCO, the famous market is once again the main tourism attraction in Kelantan,
providing opportunities for petty traders and micro-entrepreneurs to earn their
livelihood.
Through iTEKAD BangKIT microfinance, 44 micro-entrepreneurs received guidance on
reviving their business post-pandemic. Some business owners relied on their savings
to survive during the MCO. Through iTEKAD BangKIT, they can now access funds to
re-stock inventories and optimise digital and online marketing for a more sustainable
future.
Bank Islam has also empowered entrepreneurs in PSK with digital payment solutions
that expedite seamless business transactions.
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Paddy Estate Entrepreneurs of Lembaga Zakat Negeri Kedah

In December 2021, Bank Islam collaborated with Lembaga Zakat Negeri Kedah (LZNK),
offering iTEKAD BangKIT microfinance to 11 low-income earners under the Paddy
Estate Entrepreneurs scheme.
Under this scheme, each participant is entrusted to manage a 0.29-hectare paddy field
owned by LZNK.
The aim of this project is to help participants break out from the poverty cycle by
cultivating these paddy plots. LZNK also provides them with comprehensive paddy
planting inputs to the harvesting process.

1st 2nd 3rd 4th 5th 6th

month month month month month month

Preparation of paddy Maintenance of paddy Harvesting season

field and seeding field

• Each participant will gain RM5,000 worth of

interest-free iTEKAD BangKIT micro financing,
twice a year, so they can support their
family throughout the four months prior to
harvesting the paddy.
• Repayment for the financing is deducted from
the proceeds of their paddy sales.
This initiative aims to uplift local paddy farmers
who are having cash flow issues by enabling
them to receive financing assistance from
Sadaqa House.
This solution helps the farmers' personal
finances and ensures their resiliency and better
quality of life.
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2022 IMPACT & REACH

Sadaqa House Orphan Fund: From Cradle To Graduation

Amount distributed in 2022: Beneficiaries impacted: 

RM504,000 414 recipients

On 27 May 2022, the Sadaqa House Orphan Fund was launched with a solid
aspiration to safeguard the welfare, education, and future of orphans, from newborns
to adolescents, regardless of race or religion.
The launch marks another significant milestone achieved by the Bank in optimising
Islamic social finance instruments to ensure the sustainable livelihood of the
community.
The new fund, themed “From Cradle to Graduation”, benefits targeted nationwide
recipients. It ensures that the orphans are not lagging in education and allows them to
complete their studies until the tertiary level.

Details of Sadaqa House Orphan Fund can be viewed via Prospectus available at
https://www.bankislam.com/corporate-info/social-finance-bank-islam/

The Orphan Fund kickstarted with three changemakers of unique and specialised
roles in the upbringing of orphans. They are OrphanCare Foundation, Pertubuhan
Kebajikan Anak Yatim Malaysia (PEYATIM) and Youth Empowerment Foundation (YEF)
Malaysia.
In 2022, the fund was distributed for the following impacts:

• 46 babies were • F
 und disbursed in 2022
saved RM70,000.00
OrphanCare
• 36 babies were The operational cost of the
Foundation
successfully adopted sheltering and counselling for birth
mothers, and child adoption,
de-institutionalisation and
re-integration with family
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49

• Educational • F
 und disbursed in 2022
scholarships to 30 RM430,000.00
PEYATIM orphans (Educational scholarship:
• Infrastructure RM150,000.00
Improvement Grant Infrastructure Improvement Grant:
for 11 orphanages in RM275,000.00)
Perak and Selangor
(benefiting 383
orphanages)

• Education assistance • F
 und disbursed in 2022
and intervention RM159,000.00
YEF programmes for 30
orphans and asnaf

The Desired Future: Mission 2040

1. To raise RM1 billion in perpetual funds.

2. To distribute RM3 million every month
for the welfare, education, and future of
orphans from the return on perpetual fund
investment.
Scan the QR code to
contribute to this project. 3. Orphans to have equal opportunities
to succeed in life.
QR Code DuitNow
4. The Fund shall be the catalyst in enabling
the advancement of the community.

Orphan Fund

Refer to page 52 for a full

guide on how to contribute.
 Impact Report 2022
50

Incoming Fund

Total Incoming Fund: RM7,318,908.69

Sadaqa House iTekad General Direct

Orphan Fund BangKIT Fund Fund
RM1,169,522.35 RM5,012,321.00 RM323,893.37 RM813,171.98

Direct Fund

PEKDIS Institut Jantung Negara Foundation

RM342,950.23 RM199,294.40

MyVista Yayasan Sultanah Bahiyah

RM9,029.11 RM39,975.52
Total
Mercy Mission Malaysia Direct Fund Universiti Teknologi Malaysia
RM106,032.21 RM813,171.98 RM27,523.63

Brain For Future Buku Jalanan Chow Kit

RM43,895.53 RM44,471.34
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Fund Disbursement for Direct/Specific Projects

Total Disbursement: RM5,123,326.96 Beneficiaries: 10,545

Sadaqa House Disbursement iTekad BangKIT Disbursement

RM2,061,326.96 RM3,062,000.00
Beneficiaries: 10,311 Beneficiaries: 234

Sadaqa House Orphan Fund

Total Disbursement: RM504,000.00 Beneficiaries: 414
OrphanCare Infrastructure Youth Empowerment
Foundation Improvement Grant Foundation
RM70,000.00 RM275,000.00 RM159,000.00
Beneficiaries: 1 Beneficiaries: 383 orphans Beneficiaries: 30 orphans
residing in 11 orphanages and asnaf

Sadaqa House Direct Fund

Total for Direct Fund: RM1,310,905.48 Beneficiaries: 9,863

Institut Jantung Negara Foundation

Brain For Future
RM430,909.80
RM168,950.00
Beneficiaries: 78 paediatric patients
Beneficiaries: 90 students
90 caregivers

Yayasan Sultanah Bahiyah Mercy Mission Malaysia

RM18,331.00 RM62,400.00
Beneficiaries: 6 women entrepreneurs Beneficiaries: 208 asnaf families

Universiti Teknologi Malaysia MyVista

RM97,000.00 RM15,000.00
Beneficiaries: 25 houses Beneficiaries: 2 children

Buku Jalanan Chow Kit PEKDIS

RM120,000.00 RM398,314.68
Beneficiaries: 67 students Beneficiaries: 9,296 students from 28 schools
 Impact Report 2022
52

Sadaqa House Orphan Fund

Fund Transfer Website

Sadaqa House Orphan Fund https://www.bankislam.com/
140 140 108 88888 corporate-info/social-finance-bank-islam/
Bank Islam Malaysia Berhad

Bank Islam Credit Card-i

Through the redemption of
TruPoints at https://trurewards.
bankislam.com.my QR Code DuitNow
(Category Product: Charity)
Step 1
Select banking application

Step 2
Click DuitNow QR Code button

Step 3
Scan QR Code and enter donation amount
 ■ MESSAGE FROM THE GCEO ■ 2022 IMPACT & REACH
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Automatic monthly contribution One-off donation via FPX to

via Direct Debit to Sadaqa House Sadaqa House Orphan Fund
Orphan Fund

Step 1
Step 1 Scan QR code
Scan QR code
Step 2
Step 2 Complete the personal information
Complete the personal information required
required
Step 3
Step 3 Enter the amount you wish to donate
Select donation amount
Step 4
Step 4 Click create Bill
Select the payment bank you wish to
register Step 5
Select the payment bank and click
Step 5 Proceed to Payment and continue untill
Please click on the terms and completion
conditions box

Step 6
Click the “Register Now” button and
continue until completion

Terms and conditions (for monthly contribution)

1. Your registration/cancellation will be charged RM1.
2. The contribution amount will be deducted at the beginning of each month.
3. Contributions that are not successfully deducted at the beginning of the month will be deducted again at
the end of the month.
 Impact Report 2022
54

Contribution Channels

Sadaqa House

Fund Transfer Website

Sadaqa House https://www.bankislam.com/
140 140 101 88888 corporate-info/social-finance-bank-islam/
Bank Islam Malaysia Berhad

Bank Islam Credit Card-i

Through the redemption of
TruPoints at https://trurewards.
bankislam.com.my
(Category Product: Charity)
Boost mobile app

Step 1
Download the Boost application via
Play Store (Android) or App Store (iOS)

Step 2
Select More and click Donation button
QR Code DuitNow
Choose Sadaqa House OR
Step 1 Click Scan & Pay, scan the Sadaqa House
Select banking application QR Code

Step 2 Step 3
Click DuitNow QR Code button Follow the steps displayed to complete the
payment
Step 3
Scan QR Code and enter donation
amount
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55

Rasa teruja dan gembira apabila mendapat bantuan daripada Sadaqa House
kerana ia juga untuk anak-anak memandangkan saya seorang ibu tunggal yang
menyara lima orang anak.

Puan Norazimah Sharuddin

Recipient of Charity Box Programme under changemaker Mercy Mission Malaysia

Saya berterima kasih kepada Sadaqa House yang menaja kerana sumbangan
ini boleh meringankan beban keluarga dan anak-anak saya.

Encik Luqman Hakim Yaakub

Recipient of Charity Box Programme under changemaker Mercy Mission Malaysia

Saya berasa amat bertuah kerana pihak Sadaqa House dan MMM telah memilih
sekolah kami untuk membantu para ibu bapa dan pelajar yang layak untuk
menerima bantuan. Terima kasih kerana memilih sekolah kami.

Selepas program ini, kami dapati terdapat peningkatan dari segi kehadiran
pelajar ke sekolah serta akademik.

Encik Khairul Nizal Bin Abu Bakar

Headmaster SK Taman Medan
Charity Box Programme under changemaker Mercy Mission Malaysia

Kami memang dah lama menantikan tangan 3D ini untuk adik Aiman. Terima
kasih para penyumbang Sadaqa House.

Encik Muhd Azril

Father of Muhammad Iman Haiqal
Recipient of 3D-prosthetic hand by MyVista
 Impact Report 2022
56

TESTIMONIALS

Terima kasih semua para dermawan Sadaqa House yang menyokong misi kami
bagi membantu pesakit jantung yang kurang berkemampuan untuk mendapatkan
rawatan.

Puan Ritzzawati Rosli Mohd Rosli

Senior Manager
IJN Foundation

Saya sangat bersyukur apabila Sadaqa House memilih kami untk menjadi salah
satu Rakan Pelaksana sebab agak susah untuk membuka mata masyarakat dan
pihak korporat untuk membantu anak yatim remaja ini. Kebanyakannya hanya
fokus anak-anak yatim bayi dan bersekolah. Sedangkan pihak remaja inilah yang
bakal memimpin negara pada masa hadapan.

Puan Annie Hariati Othman

Trustee
Youth Empowerment Foundation (YEF) Malaysia

Kalau saya tak kenal YEF ini, mungkin saya tidak mampu untuk sambung
pelajaran.

Muhammad Ariff Ahmad Najumddin

Orphan participant of Intervention Camp, YEF

Dalam Al-Quran Allah SWT telah menyuruh kita mengambil berat tentang anak
yatim. Apa yang Sadaqa House buat ini, kami sangat hargai. Sadaqa House
ambil tanggungjawab untuk menyantuni anak-anak yatim ini.

Datuk Abdul Rahim Bin Hassan

Chief Executive Officer,
Yayasan Waqaf Pendidikan Anak Yatim Atau Miskin Malaysia (YAWATIM)
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57

Dana Sadaqa House ini telah menambah motivasi kami untuk membangunkan
kembali perniagaan yang terjejas akibat COVID-19 dan banjir.

Puan Mary Anne

Udayar Enterprise
Microfinance participant

Dana daripada Sadaqa House ini akan kami gunakan untuk membeli barang
keperluan perniagaan memandangkan untuk mendapatkan pinjaman daripada
bank lain agak susah.

Bank Islam is the first bank yang memberikan bimbingan kepada usahawan
seperti kami. Syukur, alhamdulillah.

Puan Norhaizan
Dizans Secret Taste
Microfinance participant

Dengan dana ini, kami membeli mesin-mesin untuk pengeluaran kuih. Saya tak
sangka Sadaqa House sampai ke tahap ini, dah berikan pinjaman dan kemudian,
teruskan membimbing usahawan untuk lebih berjaya. Program yang sangat
bagus.

Puan Aini Zarina

DY Cahaya Catering
Microfinance participant
 Impact Report 2022
58

Support our iTEKAD BangKIT

micro-entrepreneurs near you!

Selangor

CTOS Rehab Cyberneka SURIA Ventures

Orkid Mommy Nanie’s Asamboi

 ■ MESSAGE FROM THE GCEO ■ 2022 IMPACT & REACH
■ HISTORICAL MILESTONES ■ FINANCIAL REPORT ■ TESTIMONIALS
■ THE SADAQA HOUSE ECOSYSTEM ■ CONTRIBUTION CHANNELS ■ PAKAT SAPOT
59

M.I.A Sado Gym & Fitness Center Dizans Secret Mini Burger

A Tune Service Kicksdaily Store

 Impact Report 2022
60

Selangor

Ummie Bakery Shakila Ali (Shakilaniza_aloevera)

Kedah

Sweetfish Empire
Telekung Hayati (Fresh Rabbit meat)
 [198301002944 (98127-X)]

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