Divi Builder
Manage Everything On A Single Platform
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App Store Rating
Downloads
Raised
Helping Financial Company Grow with Technology
Helping Small Businesses Grow
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Helping Financial Company Grow with Technology
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Helping Financial Company Grow
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Testimonials
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Axel Farrow
Renesmee Thomas
Kason Espinosa
Our Core Values
Rooted in ethical finance, our values drive every decision we make — from ensuring full transparency to upholding Shariah principles. We believe trust is earned through clarity, integrity, and a commitment to doing what’s right for businesses and communities alike.
Our Mission
To provide fast, fair, and fully halal financing that empowers businesses to grow without compromising their principles.
Our Vision
To become the leading global platform for ethical, Shariah-compliant business financing — empowering SMEs and entrepreneurs with fast access to capital through innovation and Islamic values.
Shariah-Compliant
Our financing model is structured around Islamic principles.
Focused on SMEs
We understand your challenges. Our platform is tailored to the unique needs of growing businesses.
Our Team
We are proud to be led by a group of professionals committed to empowering businesses with halal financial solutions that truly make a difference.
Dato’ Ahmad Faizal Zainuddin
Chairman & Strategic Advisor
A respected leader in Islamic finance and halal enterprise development, Dato’ Faizal brings over 30 years of experience in corporate leadership, governance.
Dr. Hafiz Ridzuan Musa
Chief Executive Officer (CEO)
An expert in Shariah-compliant fintech and SME financing, Dr. Hafiz oversees Optima’s growth strategy, innovation roadmap, and compliance with Islamic financial principles.
Sofia Amani Zakaria
Head of Product & Partnerships
With a background in digital product design and ethical finance ecosystems, Sofia leads Optima’s product innovation and stakeholder engagement across Malaysia and ASEAN.
Empowering Your Business,
Whether you’re an ambitious startup, an experienced exporter, or a growing SME navigating cash flow gaps, Optima Ltd provides the halal solution you’ve been looking for. With fast digital access, Shariah-certified structures, and no compromise on ethics — we’re here to fuel your next chapter of growth.
Helping Company Grow Financially with Technology
Digital Access to Halal Capital
Our fully online platform lets you unlock working capital through a paperless, secure process — no hussle, no delays.
Tawarruq-Based Financing
We follow the approved Islamic concept of Tawarruq, enabling access to liquidity through real transactions, not interest-based debt.
Get Paid your Ringgit, Fast
Submit your invoice, get verified, and receive RM funds directly to your account — often within 1–3 business days.
