{
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    "date": "2025-07-18T16:24:20",
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    "title": {
        "rendered": "Universe"
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        "rendered": "<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t\t\t\t<p class=\"rs-p-wp-fix\"><\/p>\n\t\t\t\t<sr7-module data-alias=\"home\" data-id=\"1\" id=\"SR7_1_1\" class=\"rs-ov-hidden\" data-version=\"6.7.35\">\n\t\t\t\t\t<sr7-adjuster><\/sr7-adjuster>\n\t\t\t\t\t<sr7-content>\n\t\t\t\t\t\t<sr7-slide id=\"SR7_1_1-1\" data-key=\"1\">\n\t\t\t\t\t\t\t<sr7-bg id=\"SR7_1_1-1-12\" class=\"sr7-layer\"><noscript><img decoding=\"async\" src=\"https:\/\/uemsb.com\/wp-content\/uploads\/2025\/07\/Cover11-01-01-scaled.jpg\" alt=\"\" title=\"Cover11-01-01\"><\/noscript><\/sr7-bg>\n\t\t\t\t\t\t\t<sr7-txt id=\"SR7_1_1-1-0\" class=\"sr7-layer\">Universe Enterprise (M) Sdn Bhd\n<\/sr7-txt>\n\t\t\t\t\t\t\t<sr7-txt id=\"SR7_1_1-1-2\" class=\"sr7-layer\">Simplifying Payments, Empowering Growth<\/sr7-txt>\n\t\t\t\t\t\t\t<sr7-txt id=\"SR7_1_1-1-4\" class=\"sr7-layer\">Simplifying Finance Through Technology<\/sr7-txt>\n\t\t\t\t\t\t\t<a id=\"SR7_1_1-1-11\" class=\"sr7-layer\" href=\"http:\/\/18.143.207.167\/about-2-2\/\" target=\"_self\" rel=\"nofollow\">Learn More<\/a>\n\t\t\t\t\t\t<\/sr7-slide>\n\t\t\t\t\t\t<sr7-slide id=\"SR7_1_1-2\" data-key=\"2\">\n\t\t\t\t\t\t\t<sr7-bg id=\"SR7_1_1-2-12\" class=\"sr7-layer\"><noscript><img decoding=\"async\" src=\"https:\/\/uemsb.com\/wp-content\/uploads\/2025\/07\/Cover11-02-scaled.jpg\" alt=\"\" title=\"Cover11-02\"><\/noscript><\/sr7-bg>\n\t\t\t\t\t\t\t<sr7-txt id=\"SR7_1_1-2-2\" class=\"sr7-layer\">Shariah Compliant Personal Financing (i-FUND)<\/sr7-txt>\n\t\t\t\t\t\t\t<sr7-txt id=\"SR7_1_1-2-4\" class=\"sr7-layer\">Are you looking for Shariah Compliant Financing?<\/sr7-txt>\n\t\t\t\t\t\t\t<sr7-txt id=\"SR7_1_1-2-7\" class=\"sr7-layer\">WE PROVIDE<\/sr7-txt>\n\t\t\t\t\t\t\t<a id=\"SR7_1_1-2-11\" class=\"sr7-layer\" href=\"http:\/\/18.143.207.167\/shariah-compliant-personal-financing-i-fund\/\" target=\"_self\" rel=\"nofollow\">Apply Now<\/a>\n\t\t\t\t\t\t<\/sr7-slide>\n\t\t\t\t\t\t<sr7-slide id=\"SR7_1_1-4\" data-key=\"4\">\n\t\t\t\t\t\t<\/sr7-slide>\n\t\t\t\t\t<\/sr7-content>\n\t\t\t\t\t<image_lists style=\"display:none\">\n\t\t\t\t\t\t<img data-src=\"\/\/uemsb.com\/wp-content\/uploads\/2025\/07\/Cover11-01-01-scaled.jpg\" data-libid=\"2308\" data-lib=\"medialibrary\" title=\"Cover11-01-01\" width=\"0\" height=\"0\" data-dbsrc=\"Ly91ZW1zYi5jb20vd3AtY29udGVudC91cGxvYWRzLzIwMjUvMDcvQ292ZXIxMS0wMS0wMS1zY2FsZWQuanBn\"\/>\n\t\t\t\t\t\t<img data-src=\"\/\/uemsb.com\/wp-content\/uploads\/2025\/07\/Cover11-02-scaled.jpg\" data-libid=\"2205\" data-lib=\"medialibrary\" title=\"Cover11-02\" width=\"0\" height=\"0\" data-dbsrc=\"Ly91ZW1zYi5jb20vd3AtY29udGVudC91cGxvYWRzLzIwMjUvMDcvQ292ZXIxMS0wMi1zY2FsZWQuanBn\"\/>\n\t\t\t\t\t<\/image_lists>\n\t\t\t\t<\/sr7-module>\n\t\t\t\t<script>\n\t\t\t\t\tSR7.PMH ??={}; 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color:#0AA4E3;\"><\/i><\/div><div class=\"feature-box-info\" style=\"\"><div class=\"feature-box-title\"><a href=\"http:\/\/18.143.207.167\/shariah-compliant-personal-financing-i-fund\/\"><h4 style=\"font-size:20px;\">Shariah Compliant Personal Financing (i-FUND)<\/h4><\/a><\/div><div class=\"feature-box-desc\"><p style=\"\">Are you looking for Shariah Compliant Financing? UNIVERSE i-FUND Personal Financing is the right option for you. Get up to RM 200,000 to meet your needs. <\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"stronghold-feature-box-wrapper\" style=\"\"><div class=\"feature-box-top design-one-top\"><div class=\"feature-box-img\"><a href=\"http:\/\/18.143.207.167\/payroll-collection\/\"><div class=\"feature-box-hover-overlay\"><i class=\"item-overlay-icon fas fa-link\"><\/i><\/div><img decoding=\"async\" src=\"https:\/\/uemsb.com\/wp-content\/uploads\/2025\/07\/service-02.jpg\" alt=\"Feature Image\"><\/a><\/div><\/div><div class=\"feature-box-design-one-info-wrapper\"><div class=\"feature-box-icon-wrapper\"><i class=\"pe-7s-graph3\" style=\"font-size:30px; color:#0aa4e3;\"><\/i><\/div><div class=\"feature-box-info\" style=\"\"><div class=\"feature-box-title\"><a href=\"http:\/\/18.143.207.167\/payroll-collection\/\"><h4 style=\"font-size:20px;\">Payroll Collection<\/h4><\/a><\/div><div class=\"feature-box-desc\"><p style=\"\">We offers Payroll Collection services for Civil Servants, GLC employees, and selected companies, handling monthly deductions for Islamic Financing, Insurance, and Investment Savings. <\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"stronghold-feature-box-wrapper\" style=\"\"><div class=\"feature-box-top design-one-top\"><div class=\"feature-box-img\"><a href=\"http:\/\/18.143.207.167\/consumer-financing\/\"><div class=\"feature-box-hover-overlay\"><i class=\"item-overlay-icon fas fa-link\"><\/i><\/div><img decoding=\"async\" src=\"https:\/\/uemsb.com\/wp-content\/uploads\/2025\/08\/Consumer-Financing-01.png\" alt=\"Feature Image\"><\/a><\/div><\/div><div class=\"feature-box-design-one-info-wrapper\"><div class=\"feature-box-icon-wrapper\"><i class=\"pe-7s-graph2\" style=\"font-size:30px; color:#0aa4e3;\"><\/i><\/div><div class=\"feature-box-info\" style=\"\"><div class=\"feature-box-title\"><a href=\"http:\/\/18.143.207.167\/consumer-financing\/\"><h4 style=\"font-size:20px;\">Consumer Financing<\/h4><\/a><\/div><div class=\"feature-box-desc\"><p style=\"\">Consumer financing is a payment plan that allows you to buy what you need today and pay for it later in easy monthly instalments. With our financing, you don&#039;t need to pay the full amount upfront \u2014 and there\u2019s no deposit required. <\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" class=\"vc_row wpb_row vc_row-fluid vc_custom_1754581708647 vc_row-has-fill\"><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_right wpb_content_element wpb_animate_when_almost_visible wpb_fadeInLeft fadeInLeft\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" class=\"vc_single_image-img\" src=\"https:\/\/uemsb.com\/wp-content\/uploads\/2025\/07\/Feature-03-01-2-570x427.jpg\" width=\"570\" height=\"427\" alt=\"Feature-03-01\" title=\"Feature-03-01\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"stronghold-heading\"><h3 style=\"\">Low Risk<\/h3><span style=\"background:#0aa4e3;\" class=\"heading-separator\"><\/span><\/div><div class=\"vc_empty_space\"   style=\"height: 25px\"><span class=\"vc_empty_space_inner\"><\/span><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"row\">\n<div class=\"col-lg-12\">\n<div class=\"section-title second-home-title center-title\">\n<p class=\"wow fadeInUp\">The Loan Repayment will be directly deducted from the Borrower(s) Salary, the Loan Repayment will be deducted even before the borrower actually receive their salary credited into the respective Bank Account.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<div class=\"stronghold-info-list-wrapper\" style=\"\"><div class=\"stronghold-info-list-item\"><div class=\"stronghold-info-list-icon\"><i class=\"icon ion-checkmark\" style=\"font-size:20px; color:#0AA4E3;\"><\/i><\/div><div class=\"stronghold-info-list-content\"><div class=\"stronghold-info-list-title\"><h4 style=\"\"><\/h4><\/div><div class=\"stronghold-info-list-desc\"><div style=\"\">Non-Performing Loan (NPL) <\/div><\/div><\/div><\/div><div class=\"stronghold-info-list-item\"><div class=\"stronghold-info-list-icon\"><i class=\"icon ion-checkmark\" style=\"font-size:20px; color:#0AA4E3;\"><\/i><\/div><div class=\"stronghold-info-list-content\"><div class=\"stronghold-info-list-title\"><h4 style=\"\"><\/h4><\/div><div class=\"stronghold-info-list-desc\"><div style=\"\">Quality Control <\/div><\/div><\/div><\/div><div class=\"stronghold-info-list-item\"><div class=\"stronghold-info-list-icon\"><i class=\"icon ion-checkmark\" style=\"font-size:20px; color:#0AA4E3;\"><\/i><\/div><div class=\"stronghold-info-list-content\"><div class=\"stronghold-info-list-title\"><h4 style=\"\"><\/h4><\/div><div class=\"stronghold-info-list-desc\"><div style=\"\">Regulatory and Legal Risks <\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" class=\"vc_row wpb_row vc_row-fluid vc_custom_1754581659808 vc_row-has-fill\"><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_right wpb_content_element wpb_animate_when_almost_visible wpb_fadeInLeft fadeInLeft\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" class=\"vc_single_image-img\" src=\"https:\/\/uemsb.com\/wp-content\/uploads\/2025\/07\/Feature-03-02-1-570x427.jpg\" width=\"570\" height=\"427\" alt=\"Feature-03-02\" title=\"Feature-03-02\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"stronghold-heading\"><h3 style=\"\">Low Operational Cost<\/h3><span style=\"background:#0aa4e3;\" class=\"heading-separator\"><\/span><\/div><div class=\"vc_empty_space\"   style=\"height: 25px\"><span class=\"vc_empty_space_inner\"><\/span><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"row\">\n<div class=\"col-lg-12\">\n<div class=\"section-title second-home-title center-title\">\n<p class=\"wow fadeInUp\">The Payroll Collection System is a fully automated Loan Repayment system, it is primarily system driven, so you will not be required to hire large number of employees to track, manage and chase for Loan Repayments, we will manage all of this for you.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<div class=\"stronghold-info-list-wrapper\" style=\"\"><div class=\"stronghold-info-list-item\"><div class=\"stronghold-info-list-icon\"><i class=\"icon ion-checkmark\" style=\"font-size:20px; color:#0AA4E3;\"><\/i><\/div><div class=\"stronghold-info-list-content\"><div class=\"stronghold-info-list-title\"><h4 style=\"\"><\/h4><\/div><div class=\"stronghold-info-list-desc\"><div style=\"\">AI-Driven Credit Assessment <\/div><\/div><\/div><\/div><div class=\"stronghold-info-list-item\"><div class=\"stronghold-info-list-icon\"><i class=\"icon ion-checkmark\" style=\"font-size:20px; color:#0AA4E3;\"><\/i><\/div><div class=\"stronghold-info-list-content\"><div class=\"stronghold-info-list-title\"><h4 style=\"\"><\/h4><\/div><div class=\"stronghold-info-list-desc\"><div style=\"\">In-House Financial Service <\/div><\/div><\/div><\/div><div class=\"stronghold-info-list-item\"><div class=\"stronghold-info-list-icon\"><i class=\"icon ion-checkmark\" style=\"font-size:20px; color:#0AA4E3;\"><\/i><\/div><div class=\"stronghold-info-list-content\"><div class=\"stronghold-info-list-title\"><h4 style=\"\"><\/h4><\/div><div class=\"stronghold-info-list-desc\"><div style=\"\">In-House SPGA Processing <\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" class=\"vc_row wpb_row vc_row-fluid vc_custom_1752828291648 vc_row-has-fill\"><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_right wpb_content_element wpb_animate_when_almost_visible wpb_fadeInLeft fadeInLeft\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" class=\"vc_single_image-img\" src=\"https:\/\/uemsb.com\/wp-content\/uploads\/2025\/07\/Feature-03-03-1-570x427.jpg\" width=\"570\" height=\"427\" alt=\"Feature-03-03\" title=\"Feature-03-03\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"stronghold-heading\"><h3 style=\"\">Predictable Cash Flow<\/h3><span style=\"background:#0aa4e3;\" class=\"heading-separator\"><\/span><\/div><div class=\"vc_empty_space\"   style=\"height: 25px\"><span class=\"vc_empty_space_inner\"><\/span><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"row\">\n<div class=\"col-lg-12\">\n<div class=\"section-title second-home-title center-title\">\n<p class=\"wow fadeInUp\">With low risk and fully automated Payroll Collection System, your cash flow management will be highly accurate and predictable, your Loan Repayments will be credited on time every time.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<div class=\"stronghold-info-list-wrapper\" style=\"\"><div class=\"stronghold-info-list-item\"><div class=\"stronghold-info-list-icon\"><i class=\"icon ion-checkmark\" style=\"font-size:20px; color:#0AA4E3;\"><\/i><\/div><div class=\"stronghold-info-list-content\"><div class=\"stronghold-info-list-title\"><h4 style=\"\"><\/h4><\/div><div class=\"stronghold-info-list-desc\"><div style=\"\">Partner-Driven Ecosystem <\/div><\/div><\/div><\/div><div class=\"stronghold-info-list-item\"><div class=\"stronghold-info-list-icon\"><i class=\"icon ion-checkmark\" style=\"font-size:20px; color:#0AA4E3;\"><\/i><\/div><div class=\"stronghold-info-list-content\"><div class=\"stronghold-info-list-title\"><h4 style=\"\"><\/h4><\/div><div class=\"stronghold-info-list-desc\"><div style=\"\">Automated Repayment &amp; Monitoring <\/div><\/div><\/div><\/div><div class=\"stronghold-info-list-item\"><div class=\"stronghold-info-list-icon\"><i class=\"icon ion-checkmark\" style=\"font-size:20px; color:#0AA4E3;\"><\/i><\/div><div class=\"stronghold-info-list-content\"><div class=\"stronghold-info-list-title\"><h4 style=\"\"><\/h4><\/div><div class=\"stronghold-info-list-desc\"><div style=\"\">Strengthen Our Credit and Collection System <\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" class=\"row-scroll-parallax vc_row wpb_row vc_row-fluid vc_custom_1754557201055\" style=\"background:     url(https:\/\/uemsb.com\/wp-content\/uploads\/2025\/08\/Team-Bg-scaled.png) \"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><h6 style=\"color: #5FB2FA;text-align: center\" class=\"vc_custom_heading vc_do_custom_heading\" >Get Quotation Now<\/h6><h3 style=\"color: #FFFFFF;text-align: center\" class=\"vc_custom_heading vc_do_custom_heading\" >Don\u2019t hesitate to get in touch.<br \/>\nLet\u2019s start connect now.<\/h3><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div>\n<\/div>",
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                "href": "https:\/\/api.w.org\/{rel}",
                "templated": true
            }
        ]
    }
}