{"id":1655,"date":"2021-09-23T08:36:40","date_gmt":"2021-09-23T00:36:40","guid":{"rendered":"https:\/\/alwahidaismail.com\/blog\/?p=1655"},"modified":"2021-09-23T08:38:52","modified_gmt":"2021-09-23T00:38:52","slug":"5-tips-elak-diisytihar-muflis","status":"publish","type":"post","link":"https:\/\/alwahidaismail.com\/blog\/5-tips-elak-diisytihar-muflis\/","title":{"rendered":"5 Tips Elak Diisytihar Muflis"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"662\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/shutterstock_1018623748-min.jpg\" alt=\"\" class=\"wp-image-1656\" srcset=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/shutterstock_1018623748-min.jpg 1000w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/shutterstock_1018623748-min-300x199.jpg 300w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/shutterstock_1018623748-min-768x508.jpg 768w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/shutterstock_1018623748-min-624x413.jpg 624w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>Apabila berlaku kemuflisan, ia menjadi topik yang menakutkan banyak orang. <\/p>\n\n\n\n<p>Pelbagai faktor boleh menyebabkan muflis seperti pinjaman peribadi, kereta, rumah dan kad kredit.<\/p>\n\n\n\n<p>Menurut portal rasmi <a rel=\"noreferrer noopener\" href=\"http:\/\/www.mdi.gov.my\/index.php\/ms\/utama\/soalan-lazim\/103-bankruptcy-faq\/1640-1-apa-itu-kebankrapan\" target=\"_blank\">Jabatan Insolvensi Malaysia<\/a>, muflis ini merujuk satu proses yang mana seorang penghutang diisytiharkan sebagai bankrap atau muflis melalui perintah mahkamah atas petisyen pemiutang atau petisyen penghutang sendiri.&nbsp;<\/p>\n\n\n<p><iframe loading=\"lazy\" src=\"\/\/rcm-na.amazon-adsystem.com\/e\/cm?o=1&amp;p=49&amp;l=ur1&amp;category=clothingandshoes&amp;banner=0KGG5528RQ692034NDG2&amp;f=ifr&amp;linkID=a92a86c8569db7d3271619e761adf7d8&amp;t=alwahidaismai-20&amp;tracking_id=alwahidaismai-20\" scrolling=\"no\" border=\"0\" marginwidth=\"0\" style=\"border:none;\" width=\"300\" height=\"600\" frameborder=\"0\"><\/iframe><\/p>\n\n\n\n<p>Berikut adalah antara tips untuk mengelakkan diri anda daripada diisytiharkan muflis :<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>Mendapatkan Bantuan Profesional<\/strong><\/li><\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/iStock-637367232-1030x687-1-1024x683.jpg\" alt=\"\" class=\"wp-image-1657\" srcset=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/iStock-637367232-1030x687-1-1024x683.jpg 1024w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/iStock-637367232-1030x687-1-300x200.jpg 300w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/iStock-637367232-1030x687-1-768x512.jpg 768w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/iStock-637367232-1030x687-1-624x416.jpg 624w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/iStock-637367232-1030x687-1.jpg 1030w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Bantuan profesional seperti Agensi Kaunseling dan Pengurusan Kredit (AKPK) tersedia di seluruh negara.<\/p>\n\n\n\n<p> Di AKPK, anda boleh mendapatkan khidmat nasihat dan khidmat nasihat kewangan, program pengurusan hutang dan juga program pendidikan kewangan secara percuma.<\/p>\n\n\n<p><iframe loading=\"lazy\" src=\"\/\/rcm-na.amazon-adsystem.com\/e\/cm?o=1&amp;p=48&amp;l=ur1&amp;category=kindle&amp;banner=1ND5GDH0AN4MW8BKGP82&amp;f=ifr&amp;linkID=41eaf82b110bd851397626dc029e72b7&amp;t=alwahidaismai-20&amp;tracking_id=alwahidaismai-20\" scrolling=\"no\" border=\"0\" marginwidth=\"0\" style=\"border:none;\" width=\"728\" height=\"90\" frameborder=\"0\"><\/iframe><\/p>\n\n\n\n<p><strong>2. Mengadakan Perbincangan Dengan Pihak Bank<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/agent.jpg\" alt=\"\" class=\"wp-image-1658\" width=\"798\" height=\"532\" srcset=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/agent.jpg 612w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/agent-300x200.jpg 300w\" sizes=\"auto, (max-width: 798px) 100vw, 798px\" \/><\/figure>\n\n\n\n<p>Bank Negara Malaysia (BNM) perlu menjawab mengapa kadar pinjaman tidak berbayar begitu tinggi dan tidak dikurangkan. <\/p>\n\n\n\n<p>Sebilangan besar bank terbuka untuk merundingkan semula syarat pinjaman anda. <\/p>\n\n\n\n<p>Cara terbaik adalah mengadakan perbincangan dan merumuskan kembali aliran pembayaran yang berpatutan dan dipersetujui oleh kedua-dua belah pihak.<\/p>\n\n\n<p><iframe loading=\"lazy\" src=\"\/\/rcm-na.amazon-adsystem.com\/e\/cm?o=1&amp;p=12&amp;l=ur1&amp;category=amzn_firetv_eg_101618&amp;banner=07Z1A8KKG3NGABM31PG2&amp;f=ifr&amp;linkID=be8e47d121095d4f77c3576f575041dc&amp;t=alwahidaismai-20&amp;tracking_id=alwahidaismai-20\" scrolling=\"no\" border=\"0\" marginwidth=\"0\" style=\"border:none;\" width=\"300\" height=\"250\" frameborder=\"0\"><\/iframe><\/p>\n\n\n\n<p><strong>3. Penjualan Harta dan Aset<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/house.for_.sale_.thinkstock.800.cropped.jpg\" alt=\"\" class=\"wp-image-1659\" width=\"804\" height=\"452\" srcset=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/house.for_.sale_.thinkstock.800.cropped.jpg 745w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/house.for_.sale_.thinkstock.800.cropped-300x169.jpg 300w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/house.for_.sale_.thinkstock.800.cropped-624x351.jpg 624w\" sizes=\"auto, (max-width: 804px) 100vw, 804px\" \/><\/figure>\n\n\n\n<p>Sekiranya anda mempunyai hutang selama satu atau dua bulan dan itu tidak buruk, tetapi jika ia bertahan selama enam bulan berturut-turut, pertimbangkan untuk menjualnya. <\/p>\n\n\n\n<p>Kaedah paling berkesan untuk menghilangkan hutang lapuk adalah dengan kaedah pertindihan hutang dan penyatuan hutang. <\/p>\n\n\n\n<p>Anda juga boleh membuat pinjaman peribadi dari koperasi yang merupakan alternatif kepada permohonan yang tidak berjaya dari bank.<\/p>\n\n\n<div class=\"alignleft\">\n     <script type=\"text\/javascript\">\n       \tamzn_assoc_ad_type = \"banner\";\n\tamzn_assoc_marketplace = \"amazon\";\n\tamzn_assoc_region = \"US\";\n\tamzn_assoc_placement = \"assoc_banner_placement_default\";\n\tamzn_assoc_campaigns = \"kindle\";\n\tamzn_assoc_banner_type = \"category\";\n\tamzn_assoc_isresponsive = \"true\";\n\tamzn_assoc_banner_id = \"0PA4YRDT71B8KC02R2G2\";\n\tamzn_assoc_tracking_id = \"alwahidaismai-20\";\n\tamzn_assoc_linkid = \"d25b36225e898f0d2c2ee8572533daaf\";\n     <\/script><br \/>\n     <script src=\"\/\/z-na.amazon-adsystem.com\/widgets\/q?ServiceVersion=20070822&amp;Operation=GetScript&amp;ID=OneJS&amp;WS=1\"><\/script>\n    <\/div>\n\n\n\n<p><strong>4. Menggunakan Teknik &#8216;<em>Overlap<\/em>&#8216; Untuk Melangsaikan Hutang<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"686\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Overlap2_large-1024x686.jpg\" alt=\"\" class=\"wp-image-1660\" srcset=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Overlap2_large-1024x686.jpg 1024w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Overlap2_large-300x201.jpg 300w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Overlap2_large-768x514.jpg 768w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Overlap2_large-624x418.jpg 624w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Overlap2_large.jpg 1042w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<ol class=\"wp-block-list\"><li><em>Overlap<\/em> dengan Pinjaman Kadar Lebih Rendah<\/li><li><em>Overlap<\/em> dengan Pinjaman Tempoh Lebih Lama<\/li><li><em>Overlap<\/em> Sekiranya Potongan Slip Gaji Melebihi 60% (untuk penjawat awam)<\/li><\/ol>\n\n\n\n<p>Anda boleh mengurangkan komitmen bulanan dan menerima &#8216;tunai di tangan&#8217; tanpa menambah jumlah hutang yang ada. <\/p>\n\n\n\n<p>Walau bagaimanapun, beban hutang tidak kurang. <\/p>\n\n\n\n<p>Pertindihan pinjaman peribadi adalah salah satu teknik untuk mengurangkan komitmen tetapi hutang masih ada dan mungkin akan meningkat sekiranya peminjam tidak berdisiplin dalam membayar hutang.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/fadzliaziz.onpay.my\/order\/form\/bukansekadarcinta\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"584\" height=\"540\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Webp.net-gifmaker-27-2-6.gif\" alt=\"\" class=\"wp-image-1607\"\/><\/a><\/figure>\n\n\n\n<p><strong>5. Melangsaikan Hutang Dengan Kaedah Penyatuan Hutang<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Is-debt-consolidation-a-good-idea.jpg\" alt=\"\" class=\"wp-image-1661\" srcset=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Is-debt-consolidation-a-good-idea.jpg 800w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Is-debt-consolidation-a-good-idea-300x200.jpg 300w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Is-debt-consolidation-a-good-idea-768x512.jpg 768w, https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Is-debt-consolidation-a-good-idea-624x416.jpg 624w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption>Closeup image of a woman holding and choosing credit cards while using laptop computer<\/figcaption><\/figure>\n\n\n\n<ol class=\"wp-block-list\"><li>Lakukan usaha wajar ke atas diri sendiri (senaraikan hutang anda)<\/li><li>Cari kadar faedah yang lebih baik<\/li><li>Kenal pasti kos pemprosesan, yuran &amp; caj tersembunyi<\/li><\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/alwahidaismail.com\/projek-perumahan-baru\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"531\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/09\/Webp.net-gifmaker-40-1024x531-8.gif\" alt=\"\" class=\"wp-image-1605\"\/><\/a><\/figure>\n\n\n\n<p>Antara kebaikan teknik penyatuan hutang ini adalah : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><em>Fokus membayar hanya satu ansuran sahaja<\/em><\/li><li><em>Bantu mengurangkan komitmen bulanan anda<\/em><\/li><\/ul>\n\n\n\n<p>Namun begitu, teknik ini juga mempunyai kelemahan seperti :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><em>Tempoh bayaran panjang dengan kadar faedah rendah<\/em><\/li><li><em>Kemungkinan permohonan ditolak<\/em><\/li><li><em>Tidak akan menghapuskan hutang<\/em><\/li><\/ul>\n\n\n\n<p>Sumber : <a href=\"https:\/\/www.directlending.com.my\/ms\/blog\/muflis-tips-elak-cara-untuk-bebas\" target=\"_blank\" rel=\"noreferrer noopener\">DirectLending.com.my<\/a><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/alwahidaismail.com\/urus-pembiayaan-lppsa\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"492\" src=\"https:\/\/alwahidaismail.com\/blog\/wp-content\/uploads\/2021\/08\/Webp.net-gifmaker-37-5.gif\" alt=\"\" class=\"wp-image-1340\"\/><\/a><figcaption><em><strong><em><strong>P\/s: Khusus kepada Penjawat awam yang perlukan khidmat bantuan urus LPPSA untuk semua jenis pembiayaan. boleh<\/strong><a rel=\"noreferrer noopener\" href=\"https:\/\/alwahidaismail.com\/urus-pembiayaan-lppsa\/\" target=\"_blank\"><strong> KLIK SINI<\/strong><\/a><\/em><\/strong><\/em><\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n<ul class=\"wp-block-categories-list wp-block-categories\">\t<li class=\"cat-item cat-item-2\"><a href=\"https:\/\/alwahidaismail.com\/blog\/category\/ekonomi-dan-kewangan\/\">Ekonomi dan Kewangan<\/a> (28)\n<\/li>\n\t<li class=\"cat-item cat-item-3\"><a href=\"https:\/\/alwahidaismail.com\/blog\/category\/lokasi-perumahan-baru-free-yuran-guaman\/\">Perumahan Baru Free Yuran Guaman<\/a> (10)\n<\/li>\n\t<li class=\"cat-item cat-item-1\"><a href=\"https:\/\/alwahidaismail.com\/blog\/category\/tips-info-hartanah\/\">Tips &amp; Info Hartanah<\/a> (87)\n<\/li>\n<\/ul>\n\n<p><a href=\"http:\/\/www.9dari10.com\/partner\/go.php?id=1305_0_1_2\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" style=\"border:0px\" src=\"http:\/\/www.9dari10.com\/partner\/media\/banners\/banner.gif\" alt=\"\" width=\"468\" height=\"60\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Apabila berlaku kemuflisan, ia menjadi topik yang menakutkan banyak orang. Pelbagai faktor boleh menyebabkan muflis seperti pinjaman peribadi, kereta, rumah dan kad kredit. Menurut portal rasmi Jabatan Insolvensi Malaysia, muflis&#8230; <a href=\"https:\/\/alwahidaismail.com\/blog\/5-tips-elak-diisytihar-muflis\/\">Read more &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":1656,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-1655","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi-dan-kewangan"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/posts\/1655","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/comments?post=1655"}],"version-history":[{"count":2,"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/posts\/1655\/revisions"}],"predecessor-version":[{"id":1663,"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/posts\/1655\/revisions\/1663"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/media\/1656"}],"wp:attachment":[{"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/media?parent=1655"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/categories?post=1655"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alwahidaismail.com\/blog\/wp-json\/wp\/v2\/tags?post=1655"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}