IMANUM - Financial wellness app

Imanum is an application dedicated to enhancing users' financial well-being.

Features:

- With ethical investments, users can save and grow their earnings without relying on traditional deposits.

- Users have the opportunity to engage in online investments across trading activities, real estate, and business ventures.

- The marketplace serves as a premium online platform for curated products.

- Trade installments are available for up to 12 months, strictly following Islamic finance principles.

- Funds utilized to secure trade transactions have been sourced from private investors within the investment division.

- The piggy bank feature allows you to save for any product from the marketplace. Simply locate your desired item, determine the best savings duration, and contribute funds to your piggy bank regularly. This method can enable you to purchase the item at up to 30% off, even if it requires a bit of waiting.

- Mobile transfers incur a flat fee of 2,000 soums, with 100 soums from this charge automatically donated to charity on your behalf.

- Payments function like others without any extra fees.

- Budgeting provides an easy way to organize monthly expenses into categories.

- Financial health offers insights into your current financial status in real-time, along with tailored suggestions for improvement.

User Guide:

1. **Registration & Account Binding**

Download and register an account, then bind your funds account.

2. **Function Usage**

- **Ethical Investment**: Select investment targets such as trade, real estate, and commercial projects to complete the investment.

- **Shopping Mall**: Directly purchase goods and enjoy 12-month interest-free installments; or use the savings account feature to enjoy discounts of up to 30% after a full period.

- **Fund Management**: Transfers incur a fixed fee of 2000 Soms (including an automatic donation of 100 Soms); categorize expenses in the budget section; view the financial health section for personalized financial advice.

3. **Follow-up and Adjustments**

Regularly check investment progress and order logistics, and optimize your plan based on financial advice.

FAQs:

### 1. What are "ethical investments"? How do they differ from traditional deposits?

Ethical investments refer to investments that adhere to ethical principles (such as the principles of Islamic finance emphasized by the platform), avoiding high-risk, highly speculative, or unethical activities (such as alcohol- and gambling-related activities). Traditional deposits involve depositing money in a bank and earning a fixed interest rate, while Imanum's ethical investments allow users to increase their value through trading, real estate, business projects, and other means. The source of income is more likely to be from real or compliant investments rather than simply interest.

### 2. 12-installment plans (trade installments) adhere to Islamic finance principles. What are the specific features?

Islamic finance prohibits "interest (Riba)," so Imanum's installment plans do not charge additional interest. Instead, they may be operated through reasonable service fees or pricing linked to the value of the goods. At the same time, transactions are transparent and hidden fees are avoided, complying with the core principles of Islamic finance, namely "fairness and non-exploitation." This differs from the common interest calculation model used in traditional installment plans.

### 3. How does the piggy bank feature help users save 30%? How long does it take to save?

Users first select target products in the platform's mall, set a savings period (the duration is customizable), and then regularly deposit money into the piggy bank. The platform may offer "subsidies" or "fee waivers" to allow users to purchase products at a 30% discount after saving enough. The specific discount depends on the duration of the savings period; the longer the deposit period or the more stable the funds, the greater the discount (subject to the platform's specific rules).

### 4. Is it mandatory to donate 100 soums to charity if a mobile transfer fee of 2,000 soums is charged?

It is automatic and mandatory. Every time a user initiates a mobile transfer, the platform automatically allocates 100 soums from the fixed 2,000 soums fee to charity. No additional action or selection is required from the user. This effectively includes the small charitable donation in the fee, and the user cannot cancel this donation.

### 5. What information does the "Financial Health" feature provide? Are the recommendations general or customized?

You can view your current financial status in real time, including monthly income and expenditure details, investment returns, savings progress, and debt status (if any installments are in place). Recommendations are customized based on the user's specific financial data (such as the proportion of spending categories, investment return rate, and savings goal completion rate). Recommendations such as "Reduce entertainment expenses to increase savings" and "Adjust investment ratio to increase returns" are more tailored to your individual situation.