In response to the majority of small and medium enterprise’s working capital and cashflow constraints, the Group has ventured through ZIKAY Factoring Sdn Bhd in Islamic Factoring of customer’s non-collarised credit sales. With the introduction of Islamic factoring under the principal of Bay Ad Dayn, ZIKAY strive to significantly achieve a mutually beneficial scenario by assisting its customer and supplier to raise funds in direct proportion to their sales volume rather than company’s net worth.