Shah Alam
Line operator, electronics plant
School fees were due on the 12th. She drew RM300 of her earned pay, and the same RM300 came off her salary on the 28th. Nothing added.
Ujrah · Gaji Patuh Syariah
Wages already earned, available before payday.
Ujrah helps employers in Malaysia give their people early access to pay they've already worked for. Workers pay nothing for the advance, and the structure is designed to be Shariah compliant from the first line of the ledger.
Most people in Malaysia are paid once a month. School fees, a clinic visit or a motorbike repair don't wait for that date. Ujrah lets employers give their people part of what they've already earned, when they need it, at no cost to them.
The gap
Bills don't wait for the 28th.
61%
of Malaysians can't raise RM1,000 for an emergency.
Bank Negara Malaysia, 2024
For workers, the days before payday get covered with costly stopgaps that keep costing after the salary arrives.
For employers, salary advances already happen. By hand, from company cash, with no record and no consistent rule.
The people it's built for.
Illustrative stories and images
Pasir Gudang
Forklift driver, logistics hub
His motorbike broke down mid-month. He had it fixed the next day instead of missing a week of shifts.
Kota Bharu
Supervisor, retail store
Her mother needed a clinic visit. She checked what she'd earned, took what she needed and left the rest for payday.
How it works
Three steps on each side. Payroll stays the same.
Workers
- 1See what you've earned so far this month, updated every day.
- 2Withdraw part of it, within the limit your employer sets.
- 3It reaches your salary account the next business day. The same amount comes off on payday.
Employers
- 1Share your payroll file once a month. No system integration to start.
- 2Choose who's eligible and set the limits.
- 3Ujrah funds every advance. You add one deduction line on payday.
Shariah structure
Two contracts, kept apart on purpose.
We charge employers for running the service. We never charge workers for the advance itself, and the two never touch.
| Contract | For | What it covers | Charge |
|---|---|---|---|
| Qard hasan | The worker | An advance on wages already earned | RM0 |
| Ujrah | The employer | Running the programme | Monthly fee |
| Kept apart | Separate accounts and ledgers. Fees are never netted against advances. | ||
Shariah adviser: Tawafuq
For employers
Your payroll run stays exactly as it is.
No company cash
Ujrah funds every advance. Nothing leaves your account before payday.
One deduction line
We send the amounts. You deduct them in the payroll you already run.
Built for Malaysian rules
Limits are designed around Employment Act rules on salary advances and deductions.
A clean record
Every request, consent and deduction is logged and kept for seven years.
Cost
One monthly fee per eligible employee, banded by headcount. Workers never pay for an advance.
What we hold to
What we hold to
Data hosted in Malaysia.
Our main systems run in Malaysia, under the PDPA.
We don't ask why.
No reason is asked for a withdrawal, and none is shown to the employer.
Worker data is never sold.
Not to partners, not to anyone.
No nudges to withdraw.
Notifications tell you what changed. Nothing more.
The name
Ujrah is the Arabic word for wages.
In Islamic finance it also means the fee paid for a service. That's how we're paid: by employers, for running the service.
1
A bowl shaped like a U.
It holds what your work has earned.
2
It fills as the month goes on.
The gold is the part you can take now. It's the same colour as the bar at the top of this page.
3
Together they spell Ujrah.
The bowl stands in for the U, so the mark is never used without it.
Where we are
Based in Kuala Lumpur and Singapore.
- Malaysian operating company
- Established
- Singapore parent company
- In incorporation
- Shariah adviser
- Tawafuq
- First employers
- Pilots in preparation
- For workers
- Available only through participating employers
Contact
Talk to us.
We work with employers, Islamic financial institutions and the partners who introduce us to employers.