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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-3\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"stronghold-custom-menu-wrap\"><ul class=\"stronghold-custom-menu\" style=\"\"><li class=\"custom-menu-item\"><a href=\"https:\/\/uemsb.com\/en\/about-2-2\/\" style=\"\">About Us<\/a><i class=\"custom-menu-icon fas fa-caret-right\"><\/i><\/li><li class=\"custom-menu-item\"><a href=\"https:\/\/uemsb.com\/en\/services\/\" style=\"\">Services<\/a><i class=\"custom-menu-icon fas fa-caret-right\"><\/i><\/li><li class=\"custom-menu-item\"><a href=\"https:\/\/uemsb.com\/en\/careers-2\/\" style=\"\">Careers<\/a><i class=\"custom-menu-icon fas fa-caret-right\"><\/i><\/li><\/ul><\/div><div class=\"vc_empty_space\"   style=\"height: 25px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-9\"><div 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href=\"http:\/\/18.143.207.167\/shariah-compliant-personal-financing-i-fund\/\"><h4 style=\"font-size:16px;\">Shariah Compliant Personal Financing (i-FUND)<\/h4><\/a><\/div><div class=\"feature-box-desc\"><p style=\"\"> <\/p><\/div><\/div><\/div><div class=\"stronghold-feature-box-wrapper\" style=\"\"><div class=\"feature-box-top design-two-top\"><div class=\"feature-box-design-two-info-wrapper\"><div class=\"feature-box-icon-wrapper\" data-hcolor=\"\" data-hbgcolor=\"\" data-bgcolor=\"\" data-color=\"\"><i class=\"\" style=\"\"><\/i><\/div><\/div><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-info feature-box-design-two\" style=\"\"><div class=\"feature-box-title\"><a href=\"http:\/\/18.143.207.167\/consumer-financing\/\"><h4 style=\"font-size:16px;\">Consumer Financing<\/h4><\/a><\/div><div class=\"feature-box-desc\"><p style=\"\"> <\/p><\/div><\/div><\/div><\/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-feature-box-wrapper\" style=\"\"><div class=\"feature-box-top design-two-top\"><div class=\"feature-box-design-two-info-wrapper\"><div class=\"feature-box-icon-wrapper\" data-hcolor=\"\" data-hbgcolor=\"\" data-bgcolor=\"\" data-color=\"\"><i class=\"\" style=\"\"><\/i><\/div><\/div><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-info feature-box-design-two\" style=\"\"><div class=\"feature-box-title\"><a href=\"http:\/\/18.143.207.167\/payroll-collection\/\"><h4 style=\"font-size:16px;\">Payroll Collection<\/h4><\/a><\/div><div class=\"feature-box-desc\"><p style=\"\"> <\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 10px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey wpb_content_element  wpb_content_element\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span class=\"vc_sep_line\"><\/span><\/span>\n<\/div><div class=\"stronghold-heading\"><h3 style=\"\">What to know when borrowing from us<\/h3><\/div><div class=\"vc_empty_space\"   style=\"height: 10px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div class=\"stronghold-accordion-wrapper\"><div class=\"accordion-item\" style=\"\"><a class=\"accordion-item-title\" href=\"#item1\" data-ll=\"collapsed\" style=\"\"><i class=\"accordion-icon icon ion-checkmark\" style=\"font-size:25px; color:#0aa4e3;\"> <\/i>Eligibility<\/a><div id=\"item1\" class=\"accordion-item-content\" style=\"\">Customers looking to apply for a fast online loan with us will need to satisfy the following minimum requirements<\/p>\n<ol>\n<li>Malaysian age between 21-59 years old<\/li>\n<li>Goverment Servant * GLC<\/li>\n<li>Minimum monthly salary of RM 1,500 included fix allowance<\/li>\n<li>High External Commitments, CCRIS\/CTOS and AKPK are also eligible to apply<\/li>\n<\/ol>\n<p><\/div><\/div><div class=\"accordion-item\" style=\"\"><a class=\"accordion-item-title\" href=\"#item3\" data-ll=\"collapsed\" style=\"\"><i class=\"accordion-icon icon ion-checkmark\" style=\"font-size:25px; color:#0aa4e3;\"> <\/i>Required documents:<\/a><div id=\"item3\" class=\"accordion-item-content\" style=\"\">The necessary documents that you will need to produce will vary according to the type of loan application. You should have the following documents prepared when making a personal application:<\/p>\n<ol>\n<li>Applicant\u2019s Original IC (MyKad)<\/li>\n<li>3 months latest Payslip<\/li>\n<li>Copy of your latest Bank statement with monthly salary credit<\/li>\n<li>Employer confirmation letter<\/li>\n<\/ol>\n<p><\/div><\/div><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>UNIVERSE has a very flexible repayment tenure of up to 10 years, with no early settlement fees. We also have high loan approval rates due to our proprietary multi-angle analysis.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>",
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