Unsure About Joining?
Email us at admin@aodl.com.my – Our team will guide you through the membership process, compliance insights, and digitalisation strategies.
Regulatory Alignment and Governance
Uphold the Federal Constitution and comply with national economic and financial policies; promote self-regulation, protect member rights and foster strong government-industry communication in accordance with the law.
Fair Competition
Safeguard and encourage fair and transparent competition across the credit and lending ecosystem.
Sustainable Industry Growth
Advocate for the responsible and healthy development of credit providers across the nation.
AoDL is a national, non-profit, industry-driven association for licensed moneylenders and digital credit providers in Malaysia. We promote responsible lending, regulatory alignment, and digital transformation across the lending ecosystem.
All companies licensed under the Ministry of Housing and Local Government (KPKT) as moneylenders are eligible. AoDL also welcomes companies offering Shariah-compliant financing, BNPL, hire purchase, and pawn broking—even if they operate outside the KPKT framework.
- Access to a secure platform for credit risk sharing
- Advocacy support with regulators such as KPKT
- Industry recognition as part of a verified association
- Participation in digital transformation initiatives
- Networking with other licensed and digital-first lenders
Yes. AoDL is officially recognised by KPKT as an approved industry association. A circular dated 13 June 2025 encouraged licensed moneylenders to join registered associations like AoDL.
You can apply through our online membership form or register your interest to join the waitlist. Our team will reach out to verify documents and complete the onboarding process.
Yes, a membership fee applies to cover operational and administrative costs. The exact fee structure will be shared upon application or enquiry.
AoDL’s founding members include organisations in traditional lending, fintech, investment, and financial consultancy—such as MDEC, USIS, DirectLending, Arkmind, and more.
Yes. AoDL collaborates with licensed lenders and the authorities to raise public trust, promote transparency, and reduce loan shark (Ah Long) activities through advocacy and awareness campaigns.
AoDL is governed by a founding committee composed of senior leaders from various sectors including fintech, lending, and financial services. See our Membership Page for more details.
