TEKUN Nasional · Proof of Concept · Tender Evaluation
TEKUN FinancingManagement System
Every capability the system offers, rebuilt component by component, mapped to each scenario in your evaluation script.
06 modules·27 script scenarios·198 branches
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Application & Early Eligibility Checking
Assessing the smoothness of data entry, and the system's real-time integration with external agencies.
In this module
- 01HomepageResponsive public portal, live scheme broadcast
- 02Verified identityTAC/OTP registration and eKYC
- 03Real-time screeningSix agencies, hard-rule auto-reject
- 04Apply & trackDynamic form, upload, live status timeline
Apply online, from any device.
The public homepage lists every active financing scheme and works on any device. Anyone can start an application and check its progress online, without going to a branch.
- 1.1 Homepage · responsive public UI, live financing-scheme broadcast
Working capital for the people of Malaysia.
From a roadside stall to your own shop. Apply for financing of up to RM100,000 entirely online, and track every approval stage in real time.
- ✓Application submitted2 Jul
- ✓Screening & credit assessment3 Jul
- ✓Branch → HQ approval5 Jul
- ✓Offer letter generated5 Jul
MyKad
Verify identity with eKYC.
To register, the applicant confirms a one-time code sent by SMS and email. eKYC then scans the MyKad, matches the applicant's face to the photo, and checks the person is real, on a phone or a computer.
- 1.2 Account Registration · password security, TAC/OTP over SMS & Email
- 1.3 Identity Verification (eKYC) · document scan, facial matching, liveness detection
Check eligibility in real time.
The system checks six agencies in real time, then applies TEKUN's rules. Here every agency is clear, but existing commitments push the debt-service ratio above the 65% limit, so the application is rejected automatically and the reason is shown.
- Integrity / Credit Check Integration · real-time agency calls: SSM, CCRIS, CTOS, Insolvency, e-Syariah
- 1.4 Eligibility Check · automatic cross-referencing of applicant criteria
- Auto-Eligibility Screening (Hard Rules) · auto-reject on any mandatory policy breach
- SSMCompanies Commission of MalaysiaQueued…
- CCRISBank Negara MalaysiaQueued…
- CTOSCTOS Data SystemsQueued…
- MDIMalaysian Dept. of InsolvencyQueued…
- e-SyariahSyariah Judiciary DepartmentQueued…
- TEKUNTEKUN Internal DatabaseQueued…
Applied automatically. Any breach stops the application.
- 38 yrsAge within limit18 to 60
- NoneBlacklist recordTEKUN internal
- NoneActive bankruptcyInsolvency Dept.
- ActiveSSM registrationCompanies Commission
- 72%Debt service ratioceiling 65%
Existing commitments exceed the debt service ratio ceiling.
- ✓Application submitted2 Jul
- ✓Screening & credit assessment3 Jul
- Branch → HQ approvalIn review
- Offer letterPending
Submit and track applications.
The applicant can apply online, or an officer can enter the details for them. It is the same form either way: it checks entries as you type and saves a draft. After submission, a live timeline shows each stage.
- Data Entry Simulation (Omnichannel) · applicant self-serve, or officer entry on behalf
- 3.5 Application Form · dynamic form, save as draft, input validation
- 3.6 Submission & Status Tracking · large-file upload, real-time application timeline
Risk Assessment & Credit Score Calculation
Scoring, underwriting, and the approval decision, so risk is judged before a single ringgit is disbursed.
In this module
- 01Inbox & pre-assessmentRole-based queue, document screening
- 02Predictive scoring100-point matrix, decision recommendation
- 03The math, solvedComputed mitigations, flat and reducing rate
- 04Decision & offer letterApprove, then an auto-generated PDF
Pre-assessment and document review.
Assessment officers work from one shared queue, sorted by their role. Each file is checked for complete, verified documents before it goes to scoring.
- 2.1 Dashboard · role-based task queue for assessment officers
- 2.2 Pre-Assessment · document screening and verification before scoring
- MyKadVerified
- SSM certificateVerified
- Bank statements (6 mo)Verified
- Business photosReceived
- Supplier quotationPending
- Business sector risk0 / 15Food & Beverage
- Years operating0 / 152 years
- Cash-flow coverage0 / 301.5× the installment
- Existing commitments (DSR)0 / 2035%
- Credit record (CCRIS / CTOS)0 / 20CTOS 640
Predictive credit scoring.
The system scores each applicant on TEKUN's 100-point matrix, looking at business sector, cash flow, existing commitments, and credit record. It then recommends a decision automatically: approve at 70 and above, reject below 55.
- Credit Scoring Engine · credit score and grade from TEKUN's matrix parameters
- 2.3 Assessment (Predictive Scoring) · auto-generated financing decision recommendation
Mitigation and rate calculations.
A score of 66 is borderline: below the 70 needed to approve, but above the 55 that auto-rejects. The system offers two ways to clear the line: lower the amount to RM30,000, or add a guarantor for +8 points. It then generates the full repayment schedule, flat-rate or reducing-balance, accurate to the sen.
- Edge Cases Simulation · computed mitigations: restructure the amount or add a guarantor
- Calculation Formula Flexibility · flat or reducing balance, full amortization schedule
The decision and offer letter.
With the guarantor added, the file scores 74. The officer can approve, ask for more information, or reject. On approval, the system creates the official Offer Letter as a ready-to-send PDF.
- 2.4 Approval (Workflow Approval) · query, reject, or approve within authority
- 2.5 Offer Letter · official PDF generated automatically on approval
Financing Offer Letter
- Applicant
- Nurul Aina Binti Abdullah
- Scheme
- TEMANNITA
- Approved amount
- RM 35,000
- Tenure
- 60 months
- Monthly installment
- RM 700
Subject to the terms of TEKUN Nasional financing and Syariah-compliant conditions. Generated automatically on approval.
Tiered Approval Workflow
TEKUN's unique structure spans 198 branches. The digital file flow must be agile, dynamic, and free from bottlenecks.
In this module
- 01The digital file flowBranch to State to HQ, no manual downloads
- 02Authority matrixAmounts auto-route to the authorized level
- 03Network aging dashboardNothing waits past the 2-day SLA, anywhere
Digital approval routing.
Across 198 branches, a file moves from officer to committee entirely inside the system. It stays digital from start to finish, and every step is recorded in a full audit trail.
- Dynamic Workflow (Branch to HQ) · step-by-step digital processing, Branch Officer to HQ Committee, no manual downloads
- Branch Financing OfficerSubmitted and screenedDone3 Jul
- Branch ManagerReviewed, exceeds RM10,000 authorityRouted up4 Jul
- State OfficeEndorsed, exceeds RM30,000 authorityRouted up4 Jul
- HQ Approval CommitteeApproved within RM100,000Approved5 Jul
Approval by authority level.
The system enforces each approval limit, so a file always sits with someone who can sign it off. When an amount is above one level's limit, it moves up automatically to the next level that can approve it.
- Approval Authority Matrix · restriction controls by limit: Branch Manager up to RM10,000, larger amounts auto-route to a higher level
SLA tracking and escalation.
Management tracks how long files wait across all 198 branches, against a 2-working-day target. If a file passes the limit, the system escalates it to regional management automatically and sends a notification.
- Notification & Escalation System (Aging Tracking) · visual warnings and smart-dashboard alerts; over 2 working days auto-escalates to regional management
Account Management & Repayment
The post-approval phase: daily operations that run smoothly for account officers and stay user-friendly for borrowers.
In this module
- 01Every channel, one ledgerJomPAY, FPX, counters, auto-debit, real-time and batch
- 02Ta'widh, fair by design1% p.a., simple, Syariah Advisory Board approved
- 03Relief, recomputed liveMoratorium and tenure amendment, previewed before approval
Payments across every channel.
Repayments come in through JomPAY, FPX, branch counters, and automatic bank deduction. They all post to one account ledger, updating in real time or through a nightly batch file.
- Multiple Payment Channels Simulation · real-time account updates plus batch processing from JomPAY, FPX, counters, auto-debit
Ta'widh on overdue accounts.
Ta'widh is a Syariah-compliant charge that covers the real cost of a late payment. The system works it out automatically: 1% a year, simple, based on the exact number of days late, following the TEKUN Syariah Advisory Board's rules.
- Arrears & Penalty Calculation · Ta'widh computed automatically and accurately, Syariah-compliant per the TEKUN Syariah Advisory Board
Rescheduling and restructuring.
The system handles moratoriums, changes to the financing period, and restructured repayments. It recalculates the whole schedule and shows the result before the officer or borrower approves.
- Rescheduling & Restructuring · moratorium applications, financing period amendments, repayment schedule restructuring
Debt Collection & Recovery
A critical component for regulating, monitoring, and recovering problematic financing accounts.
In this module
- 01Classified by agingPerforming, Special Mention, NPL, from days in arrears
- 02The dunning ladderSMS and Letters of Demand, fired on schedule
- 03The Letter of DemandOfficial notice generated automatically, print-ready
Accounts classified by aging.
Each account is sorted automatically by its days in arrears, using the Bank Negara categories: Performing, Special Mention, or Non-Performing. The status updates continuously from live data.
- Account Classification (NPL Tracking) · dynamic classification into Performing, Special Mention, or NPL from days-in-arrears aging analysis
- Day 7SMS payment reminderSent
- Day 30Letter of Demand 1 · Notis Tuntutan 1Sent
- Day 60Letter of Demand 2 · Notis Tuntutan 2Firing now
- Day 90Final Letter of Demand · Notis Tuntutan AkhirScheduled
Automated collection reminders.
Collection actions are created, scheduled, and sent automatically, based on how overdue the account is: an SMS at day 7, then Letters of Demand at days 30, 60, and 90. No officer has to track it manually.
- Automated Collection Actions (Dunning) · generate, schedule, and send SMS and Letters of Demand (Notices 1, 2, 3) per arrears timeline
Letter of Demand 2
Our records show your TEKUN financing account is overdue. This is a formal demand for payment of the outstanding amount below.
- Account
- TKN/2026/00142
- Borrower
- Ahmad Zaki Bin Ismail
- Days in arrears
- 60 days · Special Mention
- Total overdue
- RM 1,401.73
- Pay by
- 19 July 2026 (14 days)
Please settle by the date above to avoid further recovery action. Ta'widh (compensation) continues to accrue at 1% p.a. Generated automatically by the collection system.
Automated Letters of Demand.
When a Letter of Demand is due, the system creates the official notice automatically, with the account, the overdue amount, the deadline to pay, and the consequences. It is print-ready, with no manual drafting.
- Automated Collection Actions (Dunning) · generate Official Letters of Demand (Reminder Notices) automatically, print-ready
Executive Dashboard & Reporting
For top management to gain comprehensive understanding and insights for strategic decisions.
In this module
- 01The executive dashboardCore KPIs, live, filterable by branch, district, state
- 02The dynamic report builderAny variable combination, exported to Excel or PDF
A live portfolio dashboard.
Management sees the key numbers live: total funds disbursed, the monthly collection rate, and the current NPL ratio. Every figure can be filtered by branch, district, or state.
- Management Real-Time Dashboard · core KPIs (fund distribution, collection %, NPL ratio), filterable by branch, district, or state
An ad-hoc report builder.
Staff build their own reports by combining variables such as financing scheme, business sector, and state. They preview the result live, then export it to Excel or PDF in one click.
- Dynamic Report Generator (Ad-hoc) · custom reports by variable combination (scheme, race, business sector); clean Excel and PDF export
TEKUN SPPT · Capability Walkthrough
The completefinancing lifecycle.
6 modules·27 scenarios·198 branches
TEKUN Financing Management System · Proof of Concept
Technical appendix
How the system is built, hosted, and secured.
The engineering view behind the six modules: the architecture, the settings an admin controls, where it runs, and how it is secured.
In this appendix
- 01End-to-end flowThe full loan journey, apply to dashboard
- 02System architectureLayered services, data, and external integrations
- 03Configurable parametersWhat an admin can change without a code deployment
- 04Deployment modelGovernment cloud, with on-prem and hybrid weighed
- 05Security & complianceAuth, encryption, audit logging, data residency
The end-to-end application flow.
An applicant applies online or through an officer at the counter, passes eKYC, and is screened and scored. Approval goes through the branch, state, and HQ levels, then funds are released and repayment begins. Whether the loan is settled or moves into collections, every step feeds the executive dashboard.
Legend
A layered system architecture.
Requests from the client channels pass through the gateway and identity layer into the six core services and the shared services they all use. These sit on the data layer and connect to external agencies, all on infrastructure hosted in Malaysia.
Legend
The settings an authorised admin can change without a code deployment, a representative subset by area.
Scheme & product
4 settingsEligibility & scoring
5 settingsApproval, repayment & collections
5 settingsPlatform-wide
4 settingsWhere the system runs.
Government cloud is selected. On-premise and hybrid were weighed and stay on the table as fallbacks.
Target topology
Selected strategy
Government cloud
SelectedA Malaysian government cloud keeps all personal and financial data in the country, meeting data-residency and PDPA rules. It scales across the 198 branches and needs the least day-to-day maintenance of the three options.
Also weighed
On-premise
ConsideredMaximum control, higher cost, slower to scale. Set aside unless a security policy mandates it.
Hybrid
FallbackSensitive core on-prem, public tiers on cloud. The fallback if a data class cannot sit in gov-cloud.