Prompt-a-thon · 12 May 2026
Harmoni Housing Finance Corporation (HHFC) is Malaysia's designated national housing finance corporation, established to deepen the secondary mortgage market and widen access to affordable home ownership. Operating under the oversight of Bank Negara Malaysia (BNM), HHFC serves as the primary conduit between Malaysia's financial institutions and the country's housing finance capital markets.
HHFC purchases conventional and Islamic mortgage assets from over 60 financial institution partners, including banks, development financial institutions (DFIs), and cooperatives, and issues debt securities and sukuk to fund these purchases. Since inception, HHFC has issued over RM 250 billion in bonds and sukuk, and currently manages a mortgage portfolio exceeding RM 90 billion.
In addition to its core mortgage purchase activities, HHFC operates the Mortgage Guarantee Programme (MGP), which provides housing finance guarantees for borrowers who require additional credit support to access home financing.
HHFC's tagline, "Building Malaysia's Future, Together", reflects its mission to make home ownership accessible to all Malaysians, while maintaining the financial strength and market confidence required of a national financial institution.
HHFC's Harmoni Vision 2027 is the corporation's five-year strategic transformation programme. It defines eight pillars that guide HHFC's evolution from a traditional mortgage purchaser into a digitally-enabled, regionally-recognised national financial institution.
Deepen partnerships with 60+ financial institution clients through digital onboarding and real-time servicing.
Become the leading Islamic housing finance issuer in ASEAN by scaling sukuk programmes and deepening Shariah governance.
Pioneer green and sustainability-linked sukuk in the region, diversifying the investor base and reducing funding costs.
Replace manual reporting with real-time financial analytics to give leadership faster, better-quality insights.
Modernise core systems and automate operational workflows to eliminate manual workarounds and backlogs.
Build a future-ready workforce through structured AI literacy, leadership development, and career progression frameworks.
Strengthen risk and compliance frameworks to meet BNM, SC, and AAOIFI requirements proactively, not reactively.
Transform research capabilities to produce timely, decision-quality housing market intelligence for the Board and management.
Harmoni Vision 2027 sets an ambitious direction, but HHFC faces eight critical operational pain points that are already creating friction, costing money, and threatening its competitive position.
Each team has been assigned a specific department within HHFC. Your job is to use Microsoft 365 Copilot to tackle your department's specific pain point and show leadership a credible, actionable approach to solving it.
Remember: Power Ups are hidden and will only be revealed once you complete your challenge. Use them to supercharge your final output before presenting.
Good luck, and show HHFC what Copilot Champions look like. ⚡