People earn a living through gig work in many ways: driving, delivery, freelance projects, digital services or running a small business. That flexibility can make it harder to show a financing provider a clear, consistent record of income.
A recent report estimates that Malaysia has 1.64 million gig workers, close to 10 per cent of employed workers. The estimate covers a varied community, from e-hailing and delivery workers to freelancers and digital service providers. Income may come from several clients or platforms and vary from month to month.
Malaysia’s Gig Workers Act 2025 came into force on 31 March 2026, introducing protections and mechanisms for gig workers. Budget 2027 announced RM6.6 billion in microfinancing overall. It also set out a separate RM270 million in financing facilities through BSN and Agrobank for gig workers seeking to start a business or purchase a first home.
These measures widen the support available, but they do not automatically make financing accessible to every worker. For people earning through several platforms or clients, keeping clear income records still matters.
Why gig income can be harder to assess
Many financing processes start with a payslip or employer record. Gig workers may instead receive payments from apps, clients, cash sales, bank transfers or e-wallets. When those records sit in different places, it can be harder to show earnings over time alongside expenses and existing repayments. Financing providers still need to assess repayment capacity, and each provider decides which documents and criteria it accepts.
How imGIG supports gig workers
CGC Digital developed imGIG as a digital platform for Malaysia’s gig community. It brings together access to partner financing options, skills programmes and protection offerings. The aim is to make relevant support easier to find in one place, while recognising that e-hailing drivers, delivery workers, freelancers and digital professionals may have different needs.
CGC Digital is also working with partners to understand whether information such as transaction volumes and sales records can help present a fuller picture of gig income. This work is still developing. At the initial stage, imGIG connects users with partner offerings; financing partners set their own eligibility requirements and make financing decisions.
imGIG received Bronze in the Best Gig Workforce Management Platforms category at HR Vendors of the Year Malaysia 2026. For a platform still developing, we see this as encouraging recognition of the team’s early work to bring relevant support closer to the gig community. Our focus remains on improving the platform with partners and learning from the needs of the workers it serves.
imGIG received Bronze in the Best Gig Workforce Management Platforms category at HR Vendors of the Year Malaysia 2026. For a platform still developing, we see this as encouraging recognition of the team’s early work to bring relevant support closer to the gig community. Our focus remains on improving the platform with partners and learning from the needs of the workers it serves.
Practical steps to prepare
If you are considering financing, organised records can make it easier to explain how you earn. Depending on the provider, useful documents may include income statements from platforms or clients, invoices and sales records, bank or e-wallet statements, a simple monthly summary of expenses and existing repayments, and proof of your work or business activity.
Requirements vary by provider, so check the product details before applying. Clear records will not guarantee approval, but they can help you answer questions about your income and commitments.
Making support easier to find
Financing is one part of building a more sustainable livelihood. Training can help workers strengthen their skills, while suitable protection can help manage risks associated with gig work. Through imGIG, CGC Digital is working with partners to make these forms of support easier for gig workers to discover.
As the gig economy grows, better access depends on useful products, clear information and financing assessments that reflect how people earn. imGIG is one part of that effort: a platform connecting gig workers with partner support and helping the ecosystem better understand their needs.
