Where Capital Meets Compassion
By uniting the strengths of capital markets, healthcare, and civil society, KALSIS creates a future where ageing and illness are met with dignity, not struggle and hardship.
The KALSIS Model
Reimagining ethical finance to deliver practical solutions for seniors and society today and tomorrow.
Transforming Retirement and Healthcare Security in Malaysia
Datuk Wira Ismitz Matthew De Alwis
CEO and ED Kenanga Investors Berhad
In Malaysia, few are prepared for retirement, and most seniors lack insurance, leaving families vulnerable. KALSIS changes that by unlocking the value of homeownership, funding critical healthcare and supporting dignified retirements. Built on principles of shared purpose and shared progress, KALSIS creates sustainable returns while ensuring seniors - and the families who love them - can face the future with confidence, care, and security.
Mobilising capital to create sustainable returns and social impact
Tan Ping Ying
CEO and ED Kenanga Trustees Berhad
In Malaysia, few are prepared for retirement, and most seniors lack insurance, leaving families vulnerable. KALSIS changes that by unlocking the value of homeownership, funding critical healthcare and supporting dignified retirements. Built on principles of shared purpose and shared progress, KALSIS creates sustainable returns while ensuring seniors - and the families who love them - can face the future with confidence, care, and security.
Driving measurable change in healthcare access, prevention, and retirements
Suhaida Mahpot
CEO, Amanie Advisors
In Malaysia, few are prepared for retirement, and most seniors lack insurance, leaving families vulnerable. KALSIS changes that by unlocking the value of homeownership, funding critical healthcare and supporting dignified retirements. Built on principles of shared purpose and shared progress, KALSIS creates sustainable returns while ensuring seniors - and the families who love them - can face the future with confidence, care, and security.
KALSIS reimagines the centuries-old French viager model for today’s Malaysian seniors. It allows homeowners to unlock the value of their property without moving, converting home equity into funds for healthcare and living expenses.
Unlike traditional loans, KALSIS is debt-free, backed by institutional investors, and provides lifetime residency. Through Apportioned Proceeds, families are protected and legacies preserved, while seniors gain financial freedom and peace of mind.
In essence, KALSIS transforms an old concept into a scalable, ethical, and socially impactful solution, ensuring seniors can live securely, independently, and with dignity.
Impact-Driven Islamic Finance for a New Era
KALSIS reflects the heart of Islamic finance - compassion, justice, and shared prosperity. With guidance from Amanie Advisors, KALSIS moves beyond compliance checklists to create tangible impact: enabling seniors to access care, easing family burdens, and strengthening community wellbeing.
This is Islamic finance that uplifts lives while generating returns with integrity and purpose.
Tan Sri Dr Mohd. Daud Bakar
Founder and Executive Chairman, Amanie Group
Improving access. Strengthening prevention. Enhancing lives.
Through structured partnerships and rigorous data tracking, KALSIS drives measurable improvements in access, affordability, and early detection. Each ringgit invested becomes a catalyst for broader social outcomes - reducing delays in screening, closing care gaps, and improving quality of life for seniors. As capital grows, so does our ability to scale impact across communities nationwide.
RM 10,000,000
in Active Capital - and Growing
3.2x
returns
in social value for every RM100m committed
RM309 LDCT
Gold-standard lung health screening for all
Now made possible with Beacon Hospital.
Jonathan Teoh
I come from a family of social entrepreneurs - people who have always believed that business can be a force for good. KALSIS was born from that same conviction, aiming to create meaningful impact while delivering sustainable value.
When Progress Outruns Affordability
The world our parents grew up in no longer exists. People are living longer, cancer rates are rising, and our generation faces unprecedented challenges - from climate change to rapid technological shifts and global trade disruptions. Healthcare can no longer be treated as an underpriced public good. While medicine advances at breakneck speed, the ability to pay for it has not kept pace, widening the gap between what science can achieve and what families can realistically afford.
Building a Future That Cares
The question is clear and pressing: can we thrive as a society without neglecting anyone? For me, the answer begins with purpose—and the boldness to pursue new paths. Innovation offers the power to achieve disproportionate impact, responding to the scale of our societal challenges. While change may feel uneasy, it is vital when forging uncharted paths.
Partnerships That Transform
This vision is made possible through the trust and collaboration of Kenanga Investors Berhad and Kenanga Trustees Berhad, alongside the unwavering commitment of cancer NGOs, hospitals, physicians, and institutional investors. Together, we are doing more than financing lives - we are reshaping systems, uplifting communities, and defining a generation that measures progress not just by profit, but by the people we bring along.