Our vision

Sustainable social economic transformation of vulnerable children and communities.

Our mission

To support vulnerable people attain sustainable development through building their capacities, information sharing and support.


We believe that integrity is the foundation of our Muslim character. Character is not inherited but is built daily by the way one thinks and acts, thought by thought, action by action.

Islamic Community Revolving Fund (ICOREF) Program is designed to focus at improving the economic empowerment of Muslim business community. Much Muslim business community performance is poor due to the fear to secure available bank loans with interest rate (riba), which utmost compromises the sharia practice. Through this initiative, the program beneficiaries shall boost their operating business activities and to generally combat poverty at household level.


  • To sensitize and mindset economically active Muslim community about active involvement into commercially viable projects.
  • To encourage innovative and viable businesses using credible loans at zero interest.
  • To promote youth and women entrepreneurs using Islamic banking practices.
  • To encourage production of food crops, cash and high value crops, value added processing and generally combat poverty at household level.
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