Archive for the ‘Others’ category

Apply for Skim Amanah Rakyat SARA 1Malaysia

February 1st, 2012
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First, some introduction:

Skim Amanah Rakyat 1Malaysia (SARA 1Malaysia) is a special Scheme initiated by the Government of Malaysia aimed at promoting the participation of the low-income group to save and invest; apart from to assist them in managing the impact of the rising current cost of living.

The Scheme will be implemented in collaboration with Permodalan Nasional Berhad (PNB) and selected financial institutions.

Through this Scheme, eligible Malaysians will have the opportunity to apply for a RM5,000 loan from participating financial institution to invest in Amanah Saham 1Malaysia (AS 1Malaysia) managed by Amanah Saham Nasional Berhad (ASNB), and will receive attractive incentive payments on their savings and investments.

About the loan:

  • The loan amount is RM5,000 per household.
  • The loan is for the purchase of 5,000 Amanah Saham 1Malaysia (AS 1Malaysia)I units.
  • Participation will be opened for one year starting from 30 January 2012* or upon full subscription of the total allocation, whichever is earlier.
  • Participation will be disqualified in the event of:
  1. The participant misses three consecutive monthly payments;
  2. The participant provided false information during application;
  3. The participant is declared a bankrupt; or
  4. The participant dies.

NOTE: there was supposed to be a cash based investment as well (meaning you don’t need to apply for the loan), but latest statement in BERNAMA says only loan-based application will be accepted.

So, what are the benefits?:

If you use your savings to invest, you will get a fixed dividend of RM134 monthly. But, if you choose to reinvest the dividend every month, you will receive RM13,000 at the end of the programme’s five-year lifespan. [but since you can’t use cash, so I’m not sure how this will work as nothing is mentioned on the official website].

If you take the loan, repayment is RM84 monthly, leaving RM50 to reinvest and a RM10,000 payout in five years.

Also, surprising to see quota in the allocation. If your aim is to help poor people, why have quota based on race?

1. Are you eligible? Check this out:

  1. Malaysians aged between 18 and 58 years old
  2. Gross household income of between RM500 and RM3,000
  3. Applicants must not be declared bankrupt throughout the loan funding period
  4. Any other terms set by the banks
  5. Applicants and / or spouse must not be a participant or beneficiary of any ASNB-related Government programme:
    • Program Pembangunan Rakyat Termiskin;
    • ASB Sejahtera; and
    • ASW2020-Bandar
  6. Applicants and / or spouse do not have any investments in ASNB unit trust products OR applicants and/or spouse(s) (household) have a combined aggregate investment of less than RM10,000 in all ASNB products
  7. All-clear status for ASNB unit trust account
  8. Application is subject to the distribution of Amanah Saham 1Malaysia (AS 1Malaysia)I as stipulated and availability:
    • Bumiputera – 50%;
    • Chinese – 30%;
    • Indian – 15%; and
    • Others – 5%
  9. Only one member of the household is eligible to obtain the loan funding
  10. Application is approved for a loan at one bank

Eligible household refers to individuals with gross household monthly income of between RM500 and RM3,000 including the following categories:

  • Married – a combination of gross income of the husband and wife; and
  • Single mothers or fathers – individual gross income.

2. Fill up the Application Form

So, you are qualified? Then get the form:

3. What documents to prepare and bring? Prepare the following:

Main Documents

  • Application form to participate in Skim Amanah Rakyat 1Malaysia (BPPSARA1M)
  • Loan Form from the participating financial institutions
  • Registration form of Unit Amanah Akaun Dewasa ASNB P1
  • Additional Investment Form ASNB 21
  • Redemption Form ASNB 31
  • Investment Book Renewal Form BS3
  • Risk Disclosure Statement (RDS)

Supporting Documents

  • Original and 2 copies of Mykad of applicants
  • Original and 1 copy of Mykad of spouses (if applicable)
  • Certified Income document
    • For applicants and/or spouses, please provide original and copies of the latest three months’ Pay Slips or Bank Statements.
    • For applicants who do not have Pay Slip or Bank Statement, the income declaration stated in BPPSARA1M Part C will be applicable.


    * BPPSARA1M MUST be signed before a WITNESS – either the Employer/Penghulu/Official at the Department of Orang Asli Development/Government Official in a Managerial Position /Member of State Legislative Assembly/ Member of Parliament

4. Where to go to apply? 

Go to any branches of the following banks: Maybank, RHB, CIMB, BSN. If your application is approved, the bank will inform you.

5. Got questions? Contact them! :

Special Project Unit – SARA 1Malaysia
28th Floor, Menara PNB
201-A Jalan Tun Razak
50400 Kuala Lumpur

Tel: 03-2057 3065
Fax: 03-2050 5140


HOTLINE from 9 a.m. to 5 p.m.
Monday to Friday (excluding public holidays)


Application for Rm500 Bantuan Rakyat 1Malaysia extended to February 10

January 13th, 2012
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Good news to those who missed the application for Bantuan Rakyat 1Malaysia. The deadline has been extended by another month, to February 10.

Want to know how to apply, how’s eligible etc? Refer to my earlier post here:  Apply RM500 Bantuan Rakyat 1Malaysia

The deadline for the public to submit the application form for the RM500 Bantuan Rakyat 1Malaysia (BR1M) scheme has been extended to Feb 10.

Second Finance Minister Datuk Seri Ahmad Husni Hanadzlah said the form could be submitted at all Inland Revenue Board (IRB) offices and agencies handling the aid.

The one-month extension came following appeals from those who were unable to submit the form by Tuesday.

The forms had been distributed since last month to assist households earning below RM3,000 a month.

Ahmad Husni said successful applicants would be given vouchers which they could cash at all Bank Simpanan Nasional, CIMB and Maybank branches.

“The distribution will begin on Sunday and is expected to take two months for completion.

“During the period, successful applicants will receive letters informing them of the dates and venues of the voucher presentations.

“The banks will also provide mobile counters for recipients to cash the vouchers which are valid until April 15,” he said.

Ahmad Husni said besides the letters, applicants could also check their application status by calling the hotline 1-800-222-500 and 1-300-88-3010 beginning Monday.

The hotline will operate between 9am and 5pm on working days.

Unsuccessful applicants can appeal by filling a special form available all IRB offices and the selected agencies.

The form can also be downloaded from the Finance Ministry’s

As of Tuesday, 3,102,054 applications had been approved from 4,123,713 forms received.

“The rest are being processed,” he said.


Apply RM500 Bantuan Rakyat 1Malaysia

December 12th, 2011
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The Bantuan Rakyat 1Malaysia (BR1M) whereby households with monthly income of RM3000 and below can get RM500 one-time payment is out since 10 December. Those interested can download the form from Treasury website at:  or LHDN offices as well selected location like some schools.


Need help understanding if you are eligible or not? refer the below diagram:

Note that need to submit copy of your MyKad and also payslip (if have). And those registered in e-Kasih also eligible.




Even if your married children stay with you and have their own income, you can still claim (and they also can claim) as long your income is below RM3000.

Single parents or those staying alone also can claim, as long as monthly income below RM3000.

You can also refer the document at: Mekanisma Bantuan RM500 9 Dis 2011 Edaran Laman Web


For help,  you can call/email:

Talian hotline : 1-800-222-500 (Bebas Tol)

Waktu operasi : 9.00 pagi hingga 5.00 petang (hari bekerja)

Emel :

Perkhidmatan mulai 7 Disember 2011 (Rabu)

Bilik Operasi Bajet
Aras 10, Blok Tengah
Kompleks Kementerian Kewangan Malaysia
1-800-222-500 (Hotline)
03-8882 3786 (Faks)

You can also refer to your MP or ADUN for the forms.

Hurry to register by end of the year 10 January 2012.


Alcohol in hamper as Deepavali gift for Tamil school HMs?

November 9th, 2011
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 I’m sure the YB (who is also Deputy Education Minister, and a Muslim) won’t be dumb enough to give alcohol as part of hamper gift, what more to school administrators in the school. You can put fruits, biscuits, chocolates, cordials etc. in hampers. No need to encourage alcohol drinking.

Wonder how this came to be.

If indeed this happened, a shameful incidence for Indian community. Seems like the perception of others is that drinking is a culture of the community.


… In Batu Pahat, several Tamil school headmasters and their assistants were suprised to see hampers on their tables when they returned to work after the Deepavali break.

What stunned them the most was that the hampers contained a bottle of Famous Grouse whisky.

The hampers were from the Batu Pahat MP Mohd Puad Zarkashi, who is also the deputy education minister.

“Most of us were suprised and felt uncomfortable. Firstly, the hamper contained a liqour bottle and secondly, we as civil servants should not receive such gifts

“Perhaps it is the deputy minister’s way of thanking us for our contribution,” said a teacher, who declined to be named.

However, he said that sending flowers would suffice and there was no need for liquor bottles.

Confusion over Deepavali holiday in IPTAs

October 14th, 2011
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The 1Malaysia Indian Students Movement (1MISM) launch at UM July this year by PM Najib saw an important announcement regarding extra holidays for Deepavali. It seems, the letter from JPT MOHE to IPTAs on 15th September stated that such holidays are to be given for Indians students only (There’s a copy of the letter here but not sure if untampered). Meaning, Indian (actually should be Hindu, this also don’t know means who la???) students will miss out classes because the classes will still go on.

Worse still, according to one FB entry, there was a comment “Najib bukan VC UKM” (refer here) when students asked why got class on 25th evening and 27th morning.

This will reflect badly on PM Najib and MIC since they were touting extra holidays, but actually its like time off only in some IPTAs. MISM (MIC) better clarify before they cause more damage.

Obviously the IPTAs are in a bind because PM already promised, but to implement, they are the ones who have to figure out ways. I think the IPTAs can do it like schools, by declaring “cuti peristiwa” (event holiday) and replace the classes on Saturdays. If they think that tolerance/sensitivity/acceptance/understanding of various cultures is important, they will find a way and not use reasons like MQA rules as an excuse.

Coming to the question: is convenience of the majority is of more importance than the convenience of the minority, even if the convenience of the minority doesn’t cost/affect much? We talk about national unity and sacrifices, but it doesn’t work for others?

It is very sad that education institutions that are supposed to instill good values of understanding others cultures, acceptance, tolerance etc is in the forefront of being ignorant, apathetic, intolerant and insensitive. What kind of impression are they giving to the students and staff? Should we blame the IPTA management entirely, or the education and social system that they grew up in? Being minority is not easy, and to think its going to get worse is indeed scary.

Even want to implement in IPTA is difficult, imagine want to ask IPTS to provide extra days off for Deepavali! So far heard that MSU having exam on the eve, while Segi KL is closing on eve (half-day) and 27th.

Certain universities are ignoring the government’s directive to give Indian students a longer break to celebrate Deepavali, said the Human Rights Party (HRP).

HRP sec-gen P Uthayakumar (right) in an open letter to Prime Minister Najib Abdul Razak today complained of the “year in and year out recurring problem” for Hindu students who fail to enjoy similar accomodations granted other holidays such as Hari Raya, Chinese New Year and Christmas.

According to him, Universiti Kebangsaan Malaysia (UKM) was only exempting Indian students from lectures rather than giving an official break.

“This would cause the Indian students to miss their lectures for three days,” said Uthayakumar.

“Apart from UKM, we are also receiving complaints from in particular Indian students studying in Unimas and UMS that lectures will be conducted as usual even on Deepavali day, which is not even a public holiday in Sarawak,” he added.

Najib, he said, had at the launch of the 1Malaysia Indian Students Movement at University Malaya on July 27 announced that the government would direct  universities to make provisions for the Hindu festive period.

The Ministry of  the Higher Education followed up with a circular on Sept 15 to all public universities to reschedule classes and examinations to allow for a longer break for Indian students.

“In that circular, Indian students nationwide were promised a longer break from 25 to 28 October to celebrate Deepavali which falls on 26 Oct,” said Uthayakumar.

He added that they have received complaints that universities are not implementing other provisions cited by Najib, such as a students’ shuttle service to nearby Hindu temples for students and making available vegetarian food.

“Or is this part of ‘the government policy was good but it’s  implementation was bad’ political play gimmick?” said the HRP sec-gen.



Excerpt from a report in FMT is below:

… In an open letter to Najib, HRP’s pro-tem secretary-general P Uthayakumar, named Universiti Kebangsaan Malaysia (UKM), Universiti Malaysia Sarawak (UNIMAS) and Universiti Malaysia Sabah (UMS) as among those defying the directive.

“UKM’s deputy vice chancellor, Professor Noor Azlan Ghazali, even told the student leader, Kok Kiong Lum, that there are too many holidays in Malaysia,” he stated.

“He said that even Hari Raya and Chinese New Year holidays are only two days long so it is only fair that just one day be given for Deepavali.”

Uthayakumar further said that UNIMAS was conducting lectures on Deepavali day itself as it isn’t a public holiday in Sarawak.

“The Indian students there must also be given the opportunity to return home and be with their families on this auspicious day,” he said.