About Us

Our History
Our Leadership

OUR HISTORY

Our Company was incorporated in Malaysia on 3 September 2021 as a private limited company under the name of Evergreen Max Cash Capital Sdn Bhd and was subsequently converted to a public limited company on 25 April 2022.

Our Company is an investment holding company. Through our pawnbroking subsidiaries, our Group is principally involved in the provision of pawnbroking services.

In addition, our Group is also involved in the business of retail and trading of gold and other products as well as provision of pawnbroking consultancy services and IT solutions to third-party pawnbrokers.

The history of our Group can be traced back to 2012 when Dato’ Low and Datin Tea, substantial shareholders and directors of our company incorporated Pajak Gadai Insan Tiara Sdn Bhd, to venture into the pawnbroking business. Under the leadership of Dato’ Low, our pawnbroking business has grown significantly over the past 11 years. Currently, we have established a network of 28 “Pajaking” pawnshops in Peninsular Malaysia, whereby we have 24 “Pajaking” pawnshops in Kuala Lumpur and Selangor, 2 “Pajaking” pawnshops in Negeri Sembilan and 2 “Pajaking” pawnshop in Pahang.

In 2018, we incorporated Cahaya Gold & Jewellery Sdn Bhd to venture into the business of retail and trading of gold and other products to complement our pawnbroking business. In 2021, we acquired Atapttech Sdn Bhd, an IT solution provider, thus enabling us to own our proprietary pawn processing system to enhance the operational efficiency and standardise the operating procedures of our pawnbroking business. Pursuant thereto, we ventured into the business of provision of IT solutions to third-party pawnbrokers in the same year.

OUR LEADERSHIP

Our leadership team consists of board of directors and key management team. It has collective accountability to EMCC’s shareholders and stakeholders, and responsibility for our overarching strategic, financial and operational aims.

BOARD OF DIRECTORS	DESIGNATION
DATO’ MOHD AZFAR BIN MOHAMED	INDEPENDENT NON-EXECUTIVE CHAIRMAN
DATO’ LOW KOK CHUAN	NON-INDEPENDENT EXECUTIVE DIRECTOR/GROUP MANAGING DIRECTOR
CHOW LAI MUN	INDEPENDENT NON-EXECUTIVE DIRECTOR
HONG BOON TOH	INDEPENDENT NON-EXECUTIVE DIRECTOR
KENNETH CHAI CHUAN TEONG	INDEPENDENT NON-EXECUTIVE DIRECTOR
DATIN FADZLULLAILY BINTI YAKOB	NON-INDEPENDENT NON-EXECUTIVE DIRECTOR
DATIN TEA GUAT NGO	NON-INDEPENDENT EXECUTIVE DIRECTOR
LOW KAI LOON	NON-INDEPENDENT EXECUTIVE DIRECTOR

KEY MANAGEMENT TEAM	DESIGNATION
SING SUK FUEN	CHIEF EXECUTIVE OFFICER
TAN CHAI SEONG	CHIEF OPERATING OFFICER
HEE CHEE KEONG	CHIEF FINANCIAL OFFICER

OUR HISTORY

Our Company is an investment holding company. Through our pawnbroking subsidiaries, our Group is principally involved in the provision of pawnbroking services.

The history of our Group can be traced back to 2012 when Dato’ Low and Datin Tea, substantial shareholders and directors of our company incorporated Pajak Gadai Insan Tiara Sdn Bhd, to venture into the pawnbroking business. Under the leadership of Dato’ Low, our pawnbroking business has grown significantly over the past 11 years. Currently, we have established a network of 26 “Pajaking” pawnshops in Peninsular Malaysia, whereby we have 23 “Pajaking” pawnshops in Kuala Lumpur and Selangor, 2 “Pajaking” pawnshops in Negeri Sembilan and 1 “Pajaking” pawnshop in Pahang.

OUR LEADERSHIP

BOARD OF DIRECTORS	DESIGNATION
DATO’ MOHD AZFAR BIN MOHAMED	INDEPENDENT NON-EXECUTIVE CHARIMAN
DATO’ LOW KOK CHUAN	NON-INDEPENDENT EXECUTIVE DIRECTOR/GROUP MANAGING DIRECTOR
CHOW LAI MUN	INDEPENDENT NON-EXECUTIVE DIRECTOR
HONG BOON TOH	INDEPENDENT NON-EXECUTIVE DIRECTOR
KENNETH CHAI CHUAN TEONG	INDEPENDENT NON-EXECUTIVE DIRECTOR
DATIN FADZLULLAILY BINTI YAKOB	NON-INDEPENDENT NON-EXECUTIVE DIRECTOR
DATIN TEA GUAT NGO	NON-INDEPENDENT EXECUTIVE DIRECTOR
LOW KAI LOON	NON-INDEPENDENT EXECUTIVE DIRECTOR

KEY MANAGEMENT TEAM	DESIGNATION
SING SUK FUEN	CHIEF EXECUTIVE OFFICER
TAN CHAI SEONG	CHIEF OPERATING OFFICER
HEE CHEE KEONG	CHIEF FINANCIAL OFFICER

GROUP CORPORATE GOVERNANCE

Corporate Structure

COMPLIANCE

Anti-Money Laundering/Counter Financing of Terrorism (AML/CFT)

EMCC takes all reasonable and appropriate steps to prevent individuals engaged in money laundering and terrorism financing from utilizing EMCC’s products and services.

EMCC abides by Bank Negara Malaysia’s continuous initiatives and efforts in the prevention of money laundering and terrorism financing. EMCC is committed to uphold high standards of compliance with the AML/CFT requirements by establishing comprehensive policy, procedures, processes and systems for the prevention and detection of money laundering and terrorist financing activities.

Data Privacy

EMCC is committed to protect the privacy of all personal data of individuals provided to EMCC. EMCC will only process personal data in accordance with the Personal Data Protection Act 2010 and the applicable regulations, standards and codes enacted thereunder.

EMCC’s website PDPA notice which may be updated from time to time sets out an overview of how EMCC collects, uses and protects personal data of an individual. EMCC has developed and implemented a security policy that sets out the standard operating procedures to protect personal data from any loss, misuse, modification, unauthorized or accidental access or disclosure, alteration or destruction.

Whistleblowing

EMCC and its subsidiaries are committed to the high standard of ethics and integrity in its conduct of business and operations. As part of this commitment, we have established an avenue for reporting of any improper conduct. All employees and members of the public will have access to secured channels to make disclosures on any improper conduct by any employees or representative of EMCC Group, with the assurance that there will be no repercussions against the reporting party.

Improper conduct includes, but not limited to the following:

Bribery and corruption;
Fraud, theft or embezzlement;
Abuse of power by an employee;
Conflict of interest;
Failure to comply with legal and regulatory obligations;
Unauthorized disclosure of customer information; and
Concealment of any of the above.

Disclosure Channels

Disclosures can be made via the following channels:
Email:
whistleblowing@emc.capital

Letter:
Lot 11-10, 11th Floor, Wisma Trax, Jalan Lima Off Jalan Chan Sow Lin, 55200 Kuala Lumpur.
Attention to:
The Whistleblowing Investigating Team

Confidentiality and Protection of Whistleblower

The identity of a whistleblower who has made a disclosure in good faith will be kept confidential and will only be disclosed on a strictly need-to-know basis. Employees who whistleblow in good faith will also be protected by EMCC Group from any repercussions.