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XE GROUP SDN. BHD. is a community credit service provider in Kamunting, Perak — authorized by the Ministry of Housing and Local Government. Honest financing for the families, workers and small businesses of the Taiping area, with every ringgit set out in writing.
Who we are
XE GROUP SDN. BHD. is a community credit service provider located in the Medan Saujana commercial zone of Kamunting — the satellite town of Taiping, Perak. We are authorized by the Ministry of Housing and Local Government (KPKT), the Malaysian authority that regulates community credit and moneylending.
Community credit means exactly what it sounds like: we lend to the people around us. The technician whose motorbike broke down before payday, the kedai owner stocking up before Raya, the family covering a semester's fees — real needs, assessed by people who understand this town, not by a scoring algorithm in a distant tower.
And because we are authorized, everything is done properly: lawful rates, a written agreement for every loan, and terms we explain line by line before you sign. Fair when we lend, respectful when we collect.
"In a small town, reputation is everything. We lend like our neighbours are watching — because they are."
Regulated community credit under the Ministry of Housing and Local Government
A real storefront in Kamunting — walk in, sit down, talk to a person
Amount, rate and schedule fixed in a proper agreement before you sign
Long daily hours, because urgent needs don't keep office hours
Who we serve
Kamunting is a working town — factories, workshops, kedai runcit, young families. Our financing is shaped around the lives actually lived here.
Factory staff, teachers, clinic and government workers — instalments matched to your monthly gaji.
Kedai, warung and market traders — stock, equipment and cash-flow financing on a trader's rhythm.
School fees, medical bills, weddings, home repairs — the moments when a family needs a bridge.
Workshops, services and micro-enterprises of the Taiping area growing one sensible step at a time.
Financing
No exotic instruments — just straightforward credit done properly: assessed fairly, documented fully, and repaid on a schedule that respects your income.
For life's pressing needs — medical expenses, education, festivals, repairs or an emergency that can't wait for the bank's committee.
Working capital for the shops, stalls and small enterprises that keep Kamunting running — sized and scheduled around real takings.
When the roof leaks, the bike dies or the hospital calls — small, fast facilities that solve today's problem without creating tomorrow's.
Several scattered obligations gathered into one clear agreement with one instalment — order restored, and an end date you can see.
How it works
Come to our Medan Saujana office, ring us, or write. Tell us plainly what you need — the conversation costs nothing.
Bring your IC and proof of income. We assess your capacity honestly — and if a loan would hurt you, we'll say so.
The agreement states the amount, rate and every instalment. We read it through with you — questions welcome, pressure never.
Money disbursed promptly after signing, then a predictable schedule — with a familiar face to call if anything changes.
Client reviews
My son's polytechnic fees were due two weeks before my bonus. I walked into the Medan Saujana office at nine, showed my payslips, and everything was explained slowly in plain language — the rate, each instalment, the total. Signed the next day. No games, no hidden numbers.
I run a kedai runcit near the industrial park and needed stock money before festive season. They understood immediately that my income comes daily, not monthly, and set repayments to match. When I settled early, the cost came down exactly as the agreement said it would.
After hearing stories about along, I would only consider a licensed place. XE Group showed their authorization openly and the agreement was proper — printed, signed, my copy in hand. Respectful people. My motorbike was repaired and back on the road to Taiping the same week.
FAQ
Get in touch
Walk in for a chat, call ahead, or write to us — whichever suits you. Consultations are free, private and without obligation.