An interest-free, community-driven microfunding platform built in Malaysia. TELEW transforms small monthly contributions — starting from just RM1 — into a revolving digital waqf pool that funds emergency community assistance for ordinary Malaysians. No interest. No hidden fees. No predatory terms. Just neighbours helping neighbours, with full transparency and dignity.
Members contribute RM1, RM5, or RM10 each month. Those contributions enter the Digital Ummah Fund — a transparent waqf pool. When a verified member needs emergency assistance (medical bills, school fees, urgent repairs), they request support from the pool. They return what they received over time, interest-free. Their on-time returns grow their Hisab Coefficient (HC), a trust score that unlocks higher tiers, better limits, and community recognition.
Conventional microfinance often hides interest behind “service charges,” locks borrowers into rigid repayment terms, or excludes the very people who need help most. TELEW exists to prove that financial dignity does not require credit scores or collateral — it requires trust, accountability, and a community that chooses to lift each other up.
Explore our mission and vision, read how TELEW works step-by-step, or browse frequently asked questions. Corporate partners can learn about our CSR programme, and anyone can audit our live community ledger.