Dalina Abdullah’s entrepreneurial journey began in 1996, alongside her mother at Pasar Besar Siti Khadijah in Kota Bharu, Kelantan, where they sold women’s clothing and songket. In 1999, she took a bold step, launching Azdal Enterprise, her venture with the same offerings. Despite modest returns, Dalina remained steadfast, managing her finances diligently while fulfilling her zakat obligations. The onset of the COVID-19 pandemic presented a turning point for Dalina. Rising to the challenge, she transitioned her business to the online sphere by utilising platforms like Shopee. The move propelled Azdal Enterprise to new heights, witnessing a remarkable five-fold growth. With the aid of Bank Islam’s iTEKAD BangKIT programme, she expanded her inventory and doubled her average monthly earnings. Her assets doubled, enabling Dalina to increase her savings and zakat contributions. Meeting the evolving needs of modern customers’, she utilises the QR Code DuitNow facility, ensuring swift, seamless, and secure payment transactions. Dalina pursued Bank Islam’s iTEKAD Maju microfinance programme with the intention of establishing another outlet at the iconic landmark. Securing approvals from Bank Islam and BNM in 2022, she set her sights on further expansion. Dalina’s entrepreneurial journey reflects resilience and adaptability, demonstrating that anyone can carve their path to success by staying determined and embracing innovation. Programmes: iTEKAD BangKIT and iTEKAD Maju Perseverance: An Entrepreneur's Journey 3. Overall Performance In 2023, there was a considerable growth in sustainable financing and assets, with total approvals reaching RM4.5 billion, a significant 53% year-on-year increase. Renewable energy financing particularly stood out, surging to RM2.4 billion and reflecting a 42% growth, underscoring the sector’s expanding influence. Financing in sectors other than renewable energy also saw a substantial rise, rising by 68% to RM2,075.4 million. This trend demonstrates a strategic focus on environmental projects across various sectors, including a substantial push in the corporate and commercial spaces, with commitments of RM916.7 million and RM1,061.6 million, respectively. We further solidified our commitment to sustainable finance by acting as Lead Manager or Joint Lead Manager for 11 Sukuk distributions with positive ESG impacts including sustainable transportation, sustainable water supply, affordable housing and access to education. These deals amounted to more than RM13 billion, highlighting Bank Islam’s significant contribution to the growth of sustainable financing in Malaysia. The 2023 figures indicate a decisive turn towards green initiatives, aligning with the broader portfolio emphasis on ESG financing that now constitute 27% of the total. Discover more about Dalina Abdullah entrepreneurial journey by scanning the QR Code. 112 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2023 Economic Impact
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