Q: What are the allowed income guidelines?

A: Allowable income line is household income of RM2, 300 per month and per capita income is RM460 per month.

Q: What assets are allowed?

A: Ownership of assets, including houses, cars and land shall not exceed RM50, 000. The calculation is by summing the value of owned assets.

Q: What are my responsibilities as a Sahabat AIM?

A: Your duty(ies) as a Sahabat AIM is as follows:

  • Attend the weekly Center Meeting
  • Repay the funds in a timely manner
  • Make compulsory savings according to the prescribed rate
  • Help/assist other participants, when they are facing difficulties

Q: What is AIM’s easy financing guidelines?

A: AIM’s easy financing guidelines are as follows:

  • No need to provide collateral and guarantors
  • Not subject to legal action to claim the debt
  • Protected charitable debt, debt balances are allowed if the deceased

Q: Does AIM impose management charges on borrowers?

A: AIM charges an annual management charge of 10% on each borrower. The management charge is used to cover administrative costs.

Q: What are the guidelines for the establishment of an AIM centre?

A: The guidelines for the establishment of an AIM centre is as follows:

  • A combination between  2 – 8 group
  • May be held at any place of public facilities such as community hall, prayer hall, etc
  • Compulsory to hold a meeting once a week
  • Place to process the financing, refunds and other related matters

Q: Must a Sahabat AIM give money to the Tabung Kumpulan?

A: The Tabung Kumpulan was established to develop the attitude of savings among Sahabat AIM. All Sahabat are required to keep on a weekly basis between RM1 – RM15. Other sources of this fund is to contribute 1% of a Sahabat’s funding. This group’s fund may be used by Sahabat at the times of difficulty and emergency.

Q: How do we contact AIM?

A: Amanah Ikhtiar Malaysia can be contacted as per below:

    Ibu Pejabat
    Menara Amanah Ikhtiar
    No. 3 Jalan Cempaka SD12/1A
    Bandar Sri Damansara, PJU 9
    52200 Kuala Lumpur
    Tel:                  03 6274 8810
    Fax:                 03 6264 8809