Pinjocep

Manage your loans on the go — apply online, sign digitally, view schedules, and pay.

Pinjocep is the official mobile app for borrowers of Sri Jeyasumi Sdn. Bhd., a licensed money lender operating in Malaysia under the Moneylenders Act 1951.

Use Pinjocep to apply for a loan, complete onboarding and identity verification, review your application status, digitally sign your loan agreement, view repayment schedules, make payments, request early settlement, and manage your borrower profile — all from one secure app.

KEY FEATURES • Create an account and sign in securely (including two-factor authentication) • Submit and track loan applications • Complete borrower onboarding and document uploads • Digitally sign loan agreements • View active loans, balances, and repayment schedules • Make loan repayments • Request early settlement • Attestation meetings and related actions • In-app notifications • Access legal policies, risk disclosure, and help content

WHO CAN APPLY Malaysian citizens or permanent residents aged 18 and above with a verifiable source of income may apply. Approval is subject to assessment and is not guaranteed.

LICENSE & REGULATORY DISCLOSURE Sri Jeyasumi Sdn. Bhd. is licensed by the Ministry of Housing and Local Government (KPKT). KPKT / PPW License No.: WL8090/09/01-2/201126 SSM Registration No.: 202101031384 (1431684V) Registered address: Unit NW 03-12, Cova Square, Jalan Teknologi, Taman Sains Selangor 1, Kota Damansara, 47810 Petaling Jaya, Selangor

IMPORTANT — BORROWING INVOLVES COSTS AND RISKS Borrowing involves interest, fees, and other charges as set out in your Loan Agreement. Late or missed payments may attract additional costs and may be reported to Malaysian credit reporting bodies (including CCRIS, CTOS, and Experian), which can adversely affect your credit profile. Persistent non-payment may result in default, collection action, and legal proceedings.

This app does not provide financial advice. Read your Loan Agreement, disclosure statements, and our Risk Disclosure before accepting any offer.

INTEREST & REPAYMENT CALCULATIONS (INDICATIVE) Rates and methods vary by loan product. Your approved Loan Agreement states the exact rate, fees, and calculation method. Illustrative formulas used in our affordability tools and disclosures include:

1. Flat-rate interest (illustrative) Total Interest = Principal × (Annual Rate ÷ 100) × (Term in Months ÷ 12)

2. Flat-rate monthly instalment (illustrative) Monthly Repayment = (Principal + Total Interest) ÷ Term in Months

3. Affordability estimate (illustrative — not an offer) Available for repayments = (Monthly Income × 0.8) − Existing Monthly Commitments Maximum indicative loan amount is derived from your available repayment capacity and selected term using the flat-rate method above.

4. Late payment costs (when applicable — per your Loan Agreement) Late Cost = (Annual Late-Payment Rate ÷ 365) × (Days in Arrears) × (Amount in Arrears)

Any figures shown in the app before you sign are indicative only and are not a loan offer. Final terms are confirmed after assessment and appear in your loan documentation.

TRANSPARENCY • Interest rates and charges are disclosed in your loan agreement before you sign • No hidden fees — all charges are explained upfront • Early settlement treatment (including any rebates or charges) is governed by your Loan Agreement

SECURITY & PRIVACY We use industry-standard security measures and handle personal data in line with Malaysian PDPA requirements. Read our Privacy Policy and Security policy at pinjocep.com.my.

SUPPORT Email: hello@pinjocep.com.my Website: https://www.pinjocep.com.my

LEGAL Terms of Use: https://pinjocep.com.my/legal/terms-of-use Terms of Service: https://pinjocep.com.my/legal/terms-of-service Risk Disclosure: https://pinjocep.com.my/legal/risk-disclosure Privacy Policy: https://pinjocep.com.my/legal/privacy-policy PDPA Policy: https://pinjocep.com.my/legal/pdpa-policy