We Now Enjoy More Protection

from PIDM!

13.Arethereanyaccountsthatareprotectedseparately?

• Joint accounts – Joint accounts enjoy separate deposit insurance protection provided the records of the member bank disclose the names of the joint account holders.

• Trust accounts – For trust accounts, beneficiaries can enjoy separate protection if the trustee discloses the interest of each beneficiary and the amounts owed to each beneficiary on the records of the member bank. Each beneficiary is protected up to RM250,000 separately from insured deposits held in their names.

• Accounts of sole proprietorships, partnerships or persons carrying on professional practices (e.g architects, dentists) – These accounts are also separately protected up to the RM250,000 limit.

An example of how separate deposit insuranceprotection would be applied for a depositor holdingseveralaccountsinamemberbankisprovidedhere:

14.Whathappenstomydepositsiftwomemberbanksmerge?

You will continue to enjoy separate deposit insurance coverage for a period of two years or upon maturity or until withdrawal of the deposit, whichever is earlier.

15.Intheunlikelyeventofamemberbankfailure,howdoImakeadepositinsuranceclaim?

You do not need to make a claim. PIDM will announce how, where and when it will reimburse insured deposits. PIDM will base its reimbursement on the depositor records of the member bank.

16.Iamanon-residentofMalaysia.Aremydepositsprotected?

Your place of residence or nationality does not affect deposit insurance protection. Deposits placed with a member bank of PIDM are protected up to RM250,000 per depositor per member bank.

17.AredepositsinbranchesandsubsidiariesofdomesticbanksoutsideMalaysiaprotected?

No, PIDM does not protect deposits held in these institutions. However, these may be protected by the host country’s deposit insurance or protection scheme.

18.WhodoIcontactforfurtherinformationaboutdepositinsuranceprotection?

• Call PIDM’s toll-free information line: 1-800-88-1266, available Mondays to Fridays from 8.30 am to 5.30 pm • Email to info@pidm.gov.my • Visit PIDM’s website at www.pidm.gov.my

Communications&PublicAffairsDivisionLevel 12, Quill 7, No. 9, Jalan Stesen Sentral 5,

Kuala Lumpur Sentral, 50470 Kuala Lumpur.Telephone: 603-2173 7436 Fax: 603-2173 7527 / 2260 7432

DEPOSITINSURANCE

DepositorTypeofdeposit

Amount(RM)

Insured(RM)

Ahmad Savings 300,000 250,000

Ahmad and wife Current 300,000 250,000

Ahmad, wife and daughter

Savings 250,000 250,000

Ahmad, Leong & Co. (legal firm)

Current 200,000 200,000

Ahmad & Ali Sdn. Bhd.

Current 50,000 50,000

Totaldeposits 1,100,000

Totaldepositsprotectedinaggregate

1,000,000

That’s Great News!

Leaflet 2011 (DI) Malay [Eng].indd 1 2/14/11 3:47 PM

1. Whatisdepositinsurance? Deposit insurance is a system that protects depositors,

whether individuals or businesses, against the loss of their insured deposits in the unlikely event of a member bank failure. The deposit insurance system in Malaysia is administered by PIDM.

2. WhichbanksarememberinstitutionsofPIDM? All commercial banks licensed under the Banking and

Financial Institutions Act 1989 and all Islamic banks licensed under the Islamic Banking Act 1983, including foreign banks operating in Malaysia are member institutions of PIDM. Membership is compulsory as provided under Akta Perbadanan Insurans Deposit Malaysia.

A list of banks which are member institutions of PIDM (referred to as ‘member banks’) can be obtained either by contacting PIDM at 1-800-88-1266 or by accessing PIDM’s website at www.pidm.gov.my. Look out for this membership sign at all entrances of your bank’s branches.

3. MustIapplyorregisterfordepositinsuranceprotection?

No, you do not need to apply or register for protection. Deposit insurance is provided automatically for eligible deposit accounts.

4. Whatismydepositinsuranceprotectionlimit?

Your eligible deposits are protected up to RM250,000 per depositor per member bank. The RM250,000 limit includes both the principal amount of a deposit and the interest/return.

5. CanIbuyadditionalinsuranceformydepositsiftheyaremorethanRM250,000?

No. Deposit insurance is not a general or life insurance product. It is provided by the Government through PIDM.

6. Whattypesofdepositsareeligiblefordepositinsurance?

Eligible deposits include current and savings deposit accounts, fixed deposits and foreign currency deposits.

7. WhattypesofdepositsareNOTprotected? Deposits not payable in Malaysia, interbank money

market placements, negotiable instruments of deposit (NIDs), other bearer deposits and repurchase agreements are not protected by PIDM.

8. Areunittrustseligiblefordepositinsuranceprotection?

No. Unit trusts are not eligible for deposit insurance protection.

9. HowwillIknowifmydepositsareeligiblefordepositinsuranceprotection?

Your member bank must inform you whether a deposit product is eligible or not for deposit insurance protection before you place your funds with it. All eligible deposit products are listed in a register available at your bank.

These requirements are in line with the Provision of Information on Deposit Insurance Regulations 2011 to ensure member banks provide accurate, relevant and timely information on deposit insurance protection and scope of coverage.

10.AreIslamicandconventionaldepositsprotectedseparately?

Yes. Islamic and conventional deposits are eligible for a separate RM250,000 deposit insurance limit per depositor per member bank.

11.Ihavedepositsinseveralmemberbanks.Willallmydepositsbeaddedupfordepositinsuranceprotectionpurposes?

No. Your deposits in different member banks are protected separately. The RM250,000 deposit insurance limit is applicable per depositor per member bank.

12.Ihavedepositsindifferentbranchesofthesamememberbank.Willallmydepositsbeprotectedseparately?

No. Deposits held in different branches of the same member bank will be added together for deposit insurance protection purposes.

Perbadanan Insurans Deposit Malaysia (PIDM) protects your bank deposits as well as your takaful and insurance benefits. Through the Deposit Insurance System and the Takaful and Insurance Benefits Protection System administered by PIDM, depositors as well as owners of takaful certificates and insurance policies now enjoy legislated and explicit protection for their eligible bank deposits and takaful and insurance benefits. This is in line with PIDM’s mandate to promote and contribute to the stability of the Malaysian financial system.

WhatisPIDM?PIDM is a Government agency established under Akta Perbadanan Insurans Deposit Malaysia (Akta PIDM). PIDM was set up in 2005 to administer the national deposit insurance system aimed at protecting depositors. Beginning 31 December 2010, PIDM’s role has been expanded to administer the Takaful and Insurance Benefits Protection System to provide protection to owners of takaful certificates and insurance policies.

WhatprotectiondoesPIDMprovide?

Howdoesthisbenefitme?• PIDM protects your bank deposits and will promptly

reimburse you on your insured deposits should a member bank fail.

• PIDM protects you against the loss of your eligible takaful or insurance benefits should an insurer member fail.

• The protection is provided by PIDM automatically and no application is required.

• There is no charge to depositors or owners of takaful certificates and insurance policies for the protection provided by PIDM.

DepositInsuranceSystem

TakafulandInsuranceBenefitsProtectionSystem(TIPS)

Protects depositors against the loss of their insured deposits placed with member banks, in the unlikely event of a member bank failure.

Protects owners of takaful certificates and insurance policies from the loss of their eligible taka fu l and insurance benefits, in the unlikely event of a failure of an insurer member.

Leaflet 2011 (DI) Malay [Eng].indd 2 2/14/11 3:47 PM

15.Sekiranyaberlakukegagalanbankahli,bagaimanasayabolehmembuattuntutaninsuransdeposit?

Andatidakperlumembuatsebarangtuntutan.PIDMakanmembuat pengumuman mengenai pembayaran balikwangdeposityangdilindungi.Pembayaranbalikdepositakan dibuat berdasarkan rekod pendeposit daripadabankahli.

16.SayaseorangbukanpemastautinMalaysia.Adakahdepositsayadilindungi?

Tempat tinggal atau kewarganegaraan anda tidakmenjejaskan perlindungan insurans deposit. Deposit yangdisimpan di bank ahli PIDM akan dilindungi sehinggaRM250,000bagisetiappendepositdisetiapbankahli.

17.Adakahdepositdalamcawangandananaksyarikatbank-bankdomestikyangberoperasidiluarMalaysiadilindungi?

Tidak, tetapi deposit itu mungkin dilindungi oleh skimperlindunganatau insuransdepositberoperasidinegaracawanganatauanaksyarikattersebut.

18.Bagaimanakahsayabolehdapatkanmaklumatlanjutmengenaiperlindunganinsuransdeposit?

•SilahubungitalianmaklumatbebastolPIDM 1-800-88-1266,IsninhinggaJumaatdari8.30pagi

hingga5.30petang •Emelkepadainfo@pidm.gov.my •LayarilamanwebPIDMdiwww.pidm.gov.my

Kinikamimendapatlebih perlindungan

daripadaPIDM!

BahagianKomunikasi&HalEhwalAwamAras12,Quill7,No.9,JalanStesenSentral5,KualaLumpurSentral,50470KualaLumpur.

Telefon:603-21737436Faks:603-21737527/22607432

INSURANSDEPOSIT

Iniberitabaik!

13.Adakahterdapatakaunyangdilindungisecaraberasingan?

•Akaun bersama – Akaun bersama mendapat perlindungan insurans deposit secara berasingan asalkan rekod bank ahli menyenaraikan nama pemegang-pemegangakaunbersama.

•Akaunamanah–Bagiakaunamanah,benefisiariboleh mendapat perlindungan secara berasingan sekiranya pemegangamanahmengemukakankepentingansetiap benefisiari dan amaun yang tertakluk kepada setiap benefisiari pada rekod bank ahli. Setiap benefisiari dilindungi sehingga RM250,000 secara berasingan daripadadepositdiinsuranskanmerekayanglain.

•Akaun perniagaan milikan tunggal, perkongsian atau praktikprofesional(contohnya,arkitekataudoktorgigi)– Akaun-akaun ini juga dilindungi secara berasingan sehinggahadRM250,000.

Contoh ini menjelaskan perlindungan insurans depositberasingan bagi pendeposit yang memegang beberapaakaundalamsesebuahbankahli:

14.Apakahyangakanberlakukepadadepositsayasekiranyaduabankahlibergabung?

Anda akan terus menikmati perlindungan insuransdepositberasinganbagitempohduatahunatauselepaskematangan atau sehingga pengeluaran deposit, yangmanalebihawal.

PendepositJenis

depositAmaun

(RM)Dilindungi

(RM)

Ahmad Simpanan 300,000 250,000

Ahmaddanisteri Semasa 300,000 250,000

Ahmad,isteridananakperempuan

Simpanan 250,000 250,000

Ahmad,Leong&Co.(firmaguaman)

Semasa 200,000 200,000

Ahmad&AliSdn.Bhd.

Semasa 50,000 50,000

Jumlahdeposit 1,100,000

Jumlahdepositdilindungi 1,000,000

1. Apakahinsuransdeposit? Insurans deposit ialah satu sistem yang melindungi

pendeposit, sama ada individu atau entiti perniagaan,daripada kehilangan wang deposit diinsuranskan yangdisimpan di bank-bank ahli sekiranya berlaku kegagalanbank.SisteminsuransdepositdiMalaysiaditadbirolehPIDM.

2. Bank-bankyangmanakahmerupakanbankahliPIDM?

Bank-bank ahli PIDM ialah semua bank perdaganganberlesendibawahAktaBankdanInstitusi-InstitusiKewangan1989dansemuabankIslamberlesendibawahAktaBankIslam1983, termasukbank-bankasingyangberoperasidiMalaysia.KeahlianadalahwajibmengikutperuntukanAktaPerbadananInsuransDepositMalaysia(AktaPIDM).

Senarai bank yang merupakan bank ahli PIDM bolehdiperoleh sama ada denganmenghubungi PIDM ditalian 1-800-88-1266 ataumenerusi laman web PIDM diwww.pidm.gov.my.Silaperhatikantanda keahlian ini di semua pintumasukcawanganbankanda.

3. Perlukahsayamemohonataumendaftarbagiperlindunganinsuransdeposit?

Tidak, anda tidak perlu memohon atau mendaftar bagiperlindungan ini. Insurans deposit disediakan secaraautomatikbagiakaundeposityanglayak.

4. Apakahhadperlindunganinsuransdepositsaya? Depositandayang layakdiinsuranskandilindungisehingga

RM250,000bagisetiappendepositdisetiapbankahli.HadRM250,000 ini termasukamaunprinsipaldepositdan jugafaedah/pulangan.

5. BolehkahsayabeliinsuranstambahanbagidepositsayasekiranyadepositsayamelebihiRM250,000?

Tidak.Insuransdepositbukanprodukinsuransamdanhayat.PerlindunganinidisediakanolehKerajaanmenerusiPIDM.

6. Apakahjenisdeposityanglayakbagiinsuransdeposit?

Deposityanglayaktermasukakaunsemasa,akaunsimpanan,deposittetapdandepositmatawangasing.

7. ApakahjenisdeposityangTIDAKdilindungi? Deposit yang tidak boleh dibayar di Malaysia, deposit

AHLI PIDMM E M B E R O F P I D M

www.pidm.gov.myToll-free: 1-800-88-1266

PIDM

Perbadanan Insurans Deposit Malaysia (PIDM) melindungidepositbanksertamanfaattakafuldaninsuransanda.MenerusiSistem Insurans Deposit dan Sistem Perlindungan ManfaatTakaful dan Insurans yang ditadbir oleh PIDM, pendepositserta pemilik sijil takaful dan polisi insurans kini menikmatiperlindunganyangeksplisitdisisiundang-undangbagidepositbanksertamanfaattakafuldaninsuransyanglayak.Inisejajardengan mandat PIDM bagi menggalak dan menyumbangkepadakestabilansistemkewanganMalaysia.

ApakahPIDM?PIDMialahsebuahagensiKerajaanyangditubuhkandibawahAktaPerbadananInsuransDepositMalaysia(AktaPIDM).PIDMditubuhkanpada2005untukmentadbirsisteminsuransdepositnasionalbagimelindungipendeposit.Mulai31Disember2010,peranan PIDM telah diperluaskan bagi mentadbir SistemPerlindunganManfaatTakafuldanInsuransyangmenyediakanperlindungankepadapemiliksijiltakafuldanpolisiinsurans.

Apakah perlindungan yang disediakanolehPIDM?

Bagaimanakahperlindunganinimemanfaatkansaya?• PIDM melindungi deposit bank anda dan akan membayar

balikdengansegeradeposityangdilindungisekiranyaberlakukegagalanbankahli.

• PIDMmelindungiandadaripadakehilanganmanfaat takafulatau insurans yang layak sekiranya berlaku kegagalan ahlipenginsurans.

• PerlindunganinidisediakanolehPIDMsecaraautomatikdantidakmemerlukansebarangpermohonan.

• Pendepositataupemiliksijil takafuldanpolisi insuranstidakdikenakanbayaranbagiperlindunganyangdisediakanolehPIDM.

SistemInsuransDepositSistemPerlindunganManfaatTakafuldanInsurans

Mel indungi pendeposi tdaripada kehilangan depositdiinsuranskan yang disimpandi bank-bank ahli, sekiranyaberlakukegagalanbank.

Melindungipemiliksijiltakafuldan polisi insurans daripadakehilangan manfaat takafuldan insurans yang layak,sekiranya berlaku kegagalanahlipenginsurans.

pasaran wang, instrumen deposit boleh niaga, depositpembawa lain dan perjanjian pembelian semula tidakdilindungiolehPIDM.

8. Adakahsahamamanahlayakmendapatperlindunganinsuransdeposit?

Tidak.Sahamamanahtidaklayakmendapatperlindunganinsuransdeposit.

9. Bagaimanakahsayabolehketahuisekiranyadepositsayalayakmendapatperlindunganinsuransdeposit?

Bank ahli sepatutnya memaklumkan kepadaandasamaadasesuatuprodukdeposit layakatau tidak layak mendapat perlindunganinsurans deposit sebelum andamenyimpan wang di bank tersebut.Semua produk deposit yang layakmendapat perlindungan insuransdeposit disenaraikan dalam satu daftarsenaraiyangbolehdidapatidibankahli.

Keperluan ini adalah sejajar dengan PeraturanPeruntukanMaklumatInsuransDeposit2011bagimemastikanbank-bankahlimenyediakanmaklumatyangtepat,relevandanterkinimengenaiperlindunganinsuransdepositdanskopperlindungan.

10.AdakahdepositIslamdankonvensionaldilindungisecaraberasingan?

Ya. Deposit Islam dan konvensional layak bagi hadperlindunganyangberasingansehinggaRM250,000bagisetiappendepositdisetiapbankahli.

11.Jikasayamempunyaidepositdalambeberapabankahli,adakahsemuadepositsayaakandijumlahkanbagitujuanperlindunganinsuransdeposit?

Tidak.Depositandadibankahliyangberbezadilindungisecara berasingan sehingga RM250,000 bagi setiappendepositdisetiapbankahli.

12.Sekiranyasayamempunyaidepositdalambeberapacawangansesebuahbankahli,adakahsemuadepositsayaakandilindungisecaraberasingan?

Tidak.Deposityangdisimpandalamcawanganberbezasesebuah bank ahli akan dijumlahkan bagi tujuanperlindunganinsuransdeposit.

þÐ ´Õ Á¸ò¾¡Éî ¦ºö¾¢!

¨ÅôÒò¦¾¡¨¸ ̧ ¡ôÒÚ¾¢ À¡Ð¸¡ôÒ §¿¡ì¸ò¾¢ü¸¡¸ ́ ýÈ¡¸ §º÷ì¸ôÀÎõ.

13. ¾É¢òÐôÀ¡Ð¸¡ì¸ôÀÎõ§ÅÚ²¾¡Åи½ì̸ûþÕ츢ýÈÉÅ¡?

• ÜðÎì ¸½ì̸û – ÜðÎì ¸½ìÌ ¨Åò¾¢Õô§À¡Ã¢ý ¦ÀÂ÷¸¨Ç ¯ÚôÒ Åí¸¢ ¦¾Ã¢Å¢ìÌõ ÌÈ¢ôÒì¸û «ÊôÀ¨¼Â¢ø ÜðÎì ¸½ì̸û ¾É¢ ¨ÅôÒò¦¾¡¨¸ ¸¡ôÒÚ¾¢ô À¡Ð¸¡ô¨À «ÛÀŢ츢ýÈÉ.

• ¾÷Á¸÷ò¾¡ ¸½ì̸û – ¾÷Á¸÷ò¾¡ ¸½ì̸ÙìÌ, ¯ÚôÒ Åí¸¢Â¢ý ÌÈ¢ôҸǢø ¯ûÇÀÊ ´ù¦Å¡Õ šâ͸Ùõ ¦º¡ó¾õ ¦¸¡ñ¼¡Îõ ¦¾¡¨¸¸û ÁüÚõ ´ù¦Å¡Õ šâ͸Ǣý ¿Äý¸¨Ç ¾÷Á¸÷ò¾¡ ¦¾Ã¢Å¢ò¾¡ø šâ͸û ¾É¢ò¾É¢ À¡Ð¸¡ô¨À «ÛÀÅ¢ì¸ ÓÊÔõ. ¾í¸û ¦ÀÂ÷¸Ç¢ø ¨Åì¸ôÀðÊÕìÌõ ¸¡ôÒÚ¾¢ ¦ºöÂôÀð¼ ¨ÅôÒò¦¾¡¨¸¸ÙìÌ Å¡Ã¢Í¸û ¾É¢ò¾É¢Â¡¸ À¡Ð¸¡ì¸ôÀθ¢ýÈÉ÷.

• ´§Ã ¦º¡òШ¼¨ÁòÐÅõ, Àí¸¡Ç¢òÐÅõ «øÄÐ ¦¾¡Æ¢ø ÒâÀÅ÷¸û (¯¾¡Ã½ò¾¢üÌ ¸ð¼¼ ŨÃÀ¼ì ¸¨Ä»÷¸û, Àø ÁÕòÐÅ÷¸û) – þó¾ì ¸½ì̸Ùõ ¾É¢ò¾É¢Â¡¸ô À¡Ð¸¡ì¸ôÀθ¢ýÈÉ.

µ÷ ¯ÚôÒ Åí¸¢Â¢ø ÀÄ ¸½ì̸¨Ç ¨Åò¾¢ÕìÌõ ´Õ ¨ÅôÒò¦¾¡¨¸Â¡ÇÕìÌ ±ùÅ¡Ú ¾É¢ò¾É¢ ¨ÅôÒò¦¾¡¨¸ À¡Ð¸¡ôÒ ¸¢¨¼ì¸¢ÈÐ ±ýÀ¾ü¸¡É µ÷ ¯¾¡Ã½ò¨¾ ¸£§Æ ¸¡½Ä¡õ:

14.þÃñίÚôÒÅí¸¢¸ûþ¨½ì¸ôÀð¼¡ø,±ÉШÅôÒò¦¾¡¨¸¸û±ýÉÅ¡Ìõ?

þÃñÎ ¬ñÎ ¸¡Äõ «øÄÐ Ó¾¢÷ «¨¼Ôõ Ũâø «øÄÐ ¨ÅôÒò¦¾¡¨¸ Á£ðÎì ¦¸¡ûÇôÀÎõ Ũâø, ±Ð ÓýÜðʧ ¿¢¸ú¸¢È§¾¡ «¾üÌ ²üÀ ¾É¢ò¾É¢ ¨ÅôÒò¦¾¡¨¸ ¸¡ôÒÚ¾¢ À¡Ð¸¡ô¨À ¿£í¸û ¦¾¡¼÷óÐ «ÛÀÅ¢ôÀ£÷¸û.

15.µ÷¯ÚôÒÅí¸¢§¾¡øÅ¢ÔÚõÀðºò¾¢ø¿¡ý±ùÅ¡Ú¨ÅôÒò¦¾¡¨¸¸¡ôÒÚ¾¢À½ò¨¾ì§¸¡ÃÓÊÔõ?

¿£í¸û ±ó¾ ´Õ §¸¡Ã¢ì¨¸ìÌõ Å¢ñ½ôÀ¢ì¸ §Åñʾ¢ø¨Ä. ¸¡ôÒÚ¾¢ ¦ºöÂôÀð¼ ¨ÅôÒò¦¾¡¨¸¸ÙìÌ ±ùÅ¡Ú, ±í§¸ ÁüÚõ ±ô§À¡Ð À½õ ÅÆí¸ôÀÎõ ±ýÀ¨¾ PIDM «È¢Å¢ìÌõ. ºõÀó¾ôÀð¼ ¯ÚôÒ Åí¸¢Â¢ý ¨ÅôÒò¦¾¡¨¸ ÌÈ¢ôÒì¸û «ÊôÀ¨¼Â¢ø PIDM À½õ ÅÆíÌõ.

16. ¿¡ý´ÕÁ§Äº¢ÂÃøÄ.«ôÀʦÂýÈ¡ø±ÉШÅôÒò¦¾¡¨¸¸ûÀ¡Ð¸¡ì¸ôÀθ¢ýÈÉÅ¡?

þ¾¢ø ¯í¸Ç¢ý ź¢ôÀ¢¼õ «øÄÐ À¢Ã¨ƒ ŢŸ¡Ãõ ¨ÅôÒò¦¾¡¨¸ ¸¡ôÒÚ¾¢ô À¡Ð¸¡ô¨Àô À¡¾¢ì¸Å¢ø¨Ä. PIDM-Á¢ý µ÷ ¯ÚôÒ Åí¸¢Â¢ø ¨Åì¸ôÀðÊÕìÌõ ¨ÅôÒò¦¾¡¨¸¸ÙìÌ ´Õ Åí¸¢ ´Õ ¨ÅôÒò¦¾¡¨¸Â¡Ç÷ ±Ûõ «ÊôÀ¨¼Â¢ø RM250,000 Ũâø À¡Ð¸¡ôÒ ÅÆí¸ôÀθ¢ÈÐ.

17.Á§Äº¢Â¡×ì̦ÅǢ¢øþÕìÌõ¯û¿¡ðÎÅí¸¢¸Ç¢ý¸¢¨Ç¸ûÁüÚõШ½¿¢ÚÅÉí¸Ç¢ø¯ûǨÅôÒò¦¾¡¨¸¸ÙìÌÀ¡Ð¸¡ì¸ôÀθ¢ýÈÉÅ¡?

þø¨Ä, «¨Å «ó¾ ¿¡ðÊý ¨ÅôÒò¦¾¡¨¸ ¸¡ôÒÚ¾¢ «øÄÐ À¡Ð¸¡ôÒò ¾¢ð¼ò¾¢É¡ø À¡Ð¸¡ì¸ôÀ¼Ä¡õ.

18.¨ÅôÒò¦¾¡¨¸¸¡ôÒÚ¾¢ÌÈ¢òЧÁø¾¸Åø¸ÙìÌ¿¡ý¡ռý¦¾¡¼÷Ò¦¸¡ûÅÐ?

• PIDM-Á¢ý þÄź ¾¸Åø ±ñ 1-800-88-1266-ÚìÌ ¾¢í¸ð¸¢Æ¨Á Ó¾ø ¦ÅûǢ츢ƨÁ Ũâø ¸¡¨Ä 8.30 Ó¾ø Á¡¨Ä 5.30 Ũâø «¨ÆÔí¸û.

• info@pidm.gov.my-ìÌ Á¢ýÉïºø ¦ºöÔí¸û • www.pidm.gov.my ±ýÈ PIDM-Á¢ý «¸ôÀì¸òÐìÌ

Å¡Õí¸û

¦¾¡¼÷Ò ÁüÚõ ¦À¡ÐŢŸ¡Ãô À¢Ã¢×Level 12, Quill 7, No. 9, Jalan Stesen Sentral 5,

Kuala Lumpur Sentral, 50470 Kuala Lumpur.¦¾¡¨Ä§Àº¢: 603-2173 7436 ¦¾¡¨Ä¿¸ø: 603-2173 7527 / 2260 7432

¨ÅôÒò¦¾¡¨¸¸¡ôÒÚ¾¢

¨ÅôÒò¦¾¡¨¸Â¡Ç÷Á¡¾¢Ã¢¨ÅôÒò¦¾¡¨¸

¦¾¡¨¸(RM)

¸¡ôÒÚ¾¢¦ºöÂô-Àð¼Ð(RM)

«Á¡ð §ºÁ¢ôÒ¸û 300,000 250,000

«Á¡ðÎõ Á¨ÉÅ¢Ôõ ¿¼ôÒ 300,000 250,000

«Á¡ð, Á¨ÉÅ¢ ÁüÚõ Á¸û

§ºÁ¢ôÒ¸û 250,000 250,000

«Á¡ð, Ä¢§Â¡í & §¸¡ (ºð¼ ¿¢ÚÅÉõ)

¿¼ôÒ 200,000 200,000

«Á¡ð & «Ä¢ Sdn. Bhd

¿¼ôÒ 50,000 50,000

¦Á¡ò¾ ¨ÅôÒò¦¾¡¨¸¸û 1,100,000

´ýÈ¢¨½ì¸ôÀð¼¾¢ø À¡Ð¸¡ì¸ôÀð¼ ¦Á¡ò¾ ¨ÅôÒò¦¾¡¨¸¸û

1,000,000

¿¡í¸û þô§À¡Ð PIDM-Á¢¼õ þÕóÐ ÜξøÀ¡Ð¸¡ô¨À

«ÛÀŢ츢ý§È¡õ!

Leaflet 2011 (DI) Malay [Tamil].indd 1 1/14/11 4:27 PM

1. ¨ÅôÒò¦¾¡¨¸¸¡ôÒÚ¾¢±ýÈ¡ø±ýÉ? ¨ÅôÒò¦¾¡¨¸ ¸¡ôÒÚ¾¢Â¡ÉÐ, µ÷ ¯ÚôÒì ¸Æ¸õ

§¾¡øÅ¢ÔÚõ Àðºò¾¢ø, ¨ÅôÒò¦¾¡¨¸Â¡Ç÷¸Ç¢ý (¾É¢¿À÷ «øÄÐ Å÷ò¾¸Ã¡¸ þÕó¾¡Öõ) ¸¡ôÒÚ¾¢ ¦ºöÂôÀðÎûÇ ¨ÅôÒò¦¾¡¨¸¸ÙìÌ þÆôÒ ²üÀð¼¡ø «Å÷¸¨Çô À¡Ð¸¡ìÌõ ´Õ ӨȡÌõ. Á§Äº¢Â¡Å¢ø ¨ÅôÒò¦¾¡¨¸ ¸¡ôÒÚ¾¢ Ó¨È PIDM-Á¢É¡ø ¿¢÷Ÿ¢ì¸ôÀθ¢ÈÐ.

2. ±ó¦¾ó¾Åí¸¢¸ûPIDM¯ÚôÒì¸Æ¸í¸û? Á§Äº¢Â¡Å¢ø ¦ºÂøÀÎõ ¦ÅÇ¢¿¡ðÎ Åí¸¢¸û ¯ðÀ¼, 1989-

¬õ ¬ñÎ Åí¸¢ ÁüÚõ ¿¢¾¢ì ¸Æ¸í¸û ºð¼ò¾¢ý ¸£ú «ÛÁ¾¢ ÅÆí¸ôÀðÊÕìÌõ «¨ÉòÐ ÅÆì¸Á¡É Åí¸¢¸Ùõ 1983-¬õ ¬ñÎ þŠÄ¡Á¢Â Åí¸¢î ºð¼ò¾¢ý ¸£ú «ÛÁ¾¢ ÅÆí¸ôÀðÊÕìÌõ «¨ÉòÐ þŠÄ¡Á¢Â Åí¸¢¸Ùõ PIDM-Á¢ý ¯ÚôÒì ¸Æ¸í¸Ç¡Ìõ. Á§Äº¢Â ¨ÅôÒò¦¾¡¨¸ ¸¡ôÒÚ¾¢ì ¸Æ¸î ºð¼ò¾¢ý ¸£ú ÜÈôÀðÊÕôÀЧÀ¡ø ¯ÚôÀ¢ÂòÐÅõ ¸ð¼¡ÂÁ¡É¾¡Ìõ.

PIDM-¨Á 1-800-88-1266 ±ýÈ ±ñ½¢ø «¨ÆôÀ¾ý ãÄõ «øÄÐ PIDM-Á¢ý «¸ôÀì¸Á¡É www.pidm.gov.my-¢ø PIDM-Á¢ý ¯ÚôÒì ¸Æ¸í¸Ç¢ý (¯ÚôÒ Åí¸¢¸û ±ýÚõ ÌÈ¢ôÀ¢¼ôÀθ¢ÈÐ) ÀðʨÄô ¦ÀüÚì ¦¸¡ûÇÄ¡õ. ¯í¸û «¨ÉòÐ Åí¸¢ì ¸¢¨Ç¸Ç¢ý ѨÆÅ¢ø¸Ç¢Öõ þó¾ ¯ÚôÀ¢ÂòÐÅ «¨¼Â¡Çò¨¾ì ¸¡Ïí¸û.

3. ¨ÅôÒò¦¾¡¨¸¸¡ôÒÚ¾¢À¡Ð¸¡ôÒìÌ¿¡ýÅ¢ñ½ôÀ¢ì¸§Å¡«øÄÐÀ¾¢×¦ºö§š§ÅñÎÁ¡?

þø¨Ä, À¡Ð¸¡ôÒìÌ ¿£í¸û Å¢ñ½ôÀ¢ì¸§Å¡ «øÄÐ À¾¢×î ¦ºö§š §Åñʾ¢ø¨Ä. ¾Ì¾¢¦ÀüÈ ̈ ÅôÒò¦¾¡¨¸ ¸½ì̸ÙìÌ þÂøÀ¡¸§Å ¨ÅôÒò¦¾¡¨¸ ¸¡ôÒÚ¾¢ ÅÆí¸ôÀθ¢ÈÐ.

4. ±ÉШÅôÒò¦¾¡¨¸¸¡ôÒÚ¾¢À¡Ð¸¡ôÀ¢ýÅÃõÒ±ýÉ?

µ÷ ¯ÚôÒ Åí¸¢ìÌ ´Õ ¨ÅôÒò¦¾¡¨¸Â¡Ç÷ ±Ûõ «ÊôÀ¨¼Â¢ø RM250,000 Ũà ¯í¸Ç¢ý ¾Ì¾¢¦ÀüÈ ¨ÅôÒò¦¾¡¨¸¸û À¡Ð¸¡ì¸ôÀθ¢ýÈÉ. þó¾ RM250,000 ÅÃõÒ ´Õ ¨ÅôÒò¦¾¡¨¸Â¢ý ãÄò¦¾¡¨¸ ÁüÚõ ÅðÊ/Ä¡Àõ þÃñ¨¼Ôõ ¯ûǼ츢 þÕ츢ÈÐ.

5. ±ÉШÅôÒò¦¾¡¨¸¸ûRM250,000-ìÌõ§ÁøþÕó¾¡ø«ÅüÚìÌ¿¡ýÜξø¸¡ôÒÚ¾¢¨ÂÅ¡í¸ÓÊÔÁ¡?

þø¨Ä. ¨ÅôÒò¦¾¡¨¸ ¸¡ôÒÚ¾¢ ±ýÀÐ ¦À¡Ð «øÄÐ ¬Ôû ¸¡ôÒÚ¾¢ §º¨ÅÂøÄ. PIDM ãÄõ «Ãº¡í¸õ þ¨¾ ÅÆí̸¢ÈÐ.

6. ¨ÅôÒò¦¾¡¨¸¸¡ôÒÚ¾¢ì̱ó¾Á¡¾¢Ã¢Â¡É¨ÅôÒò¦¾¡¨¸¸û¾Ì¾¢¦ÀÚ¸¢ýÈÉ?

¿¼ôÒ ÁüÚõ §ºÁ¢ôÒ ¨ÅôÒò¦¾¡¨¸ ¸½ì̸û, ¿¢Ãó¾Ã ¨ÅôÒò¦¾¡¨¸¸û ÁüÚõ ¦ÅÇ¢¿¡ðÎ ¿¡½Â ¨ÅôÒò¦¾¡¨¸¸Ùõ ¾Ì¾¢¦ÀüÈ ¨ÅôÒò¦¾¡¨¸¸Ç¢ø «¼íÌõ.

7. ±ó¾Á¡¾¢Ã¢Â¡É¨ÅôÒò¦¾¡¨¸¸ûÀ¡Ð¸¡ì¸ôÀ¼¡¾¨Å? Á§Äº¢Â¡Å¢ø ¦ºÖò¾ôÀ¼¡¾ ¨ÅôÒò¦¾¡¨¸¸û, Åí¸¢

¸ÙìÌ þ¨¼Â¢Ä¡É ¿¢¾¢ ºó¨¾ô À½õ, §ÀÃõ §Àºò¾ì¸ ¨ÅôÒò¦¾¡¨¸ ¿¢¾¢ (NIDs), þ¾Ã ¨ÅôÒò¦¾¡¨¸ ¿¢¾¢ ÁüÚõ ÁÚ¦¸¡ûÓ¾ø ¯¼ýÀÊ쨸¸û PIDM-Á¢É¡ø À¡Ð¸¡ì¸ôÀ¼¡¾¨Å¡Ìõ.

8. äÉ¢ðÊÊθû¨ÅôÒò¦¾¡¨¸¸¡ôÒÚ¾¢À¡Ð¸¡ôÒì̾̾¢Â¡É¨Å¡?

þø¨Ä. äÉ¢ð ÊÊθû ¨ÅôÒò¦¾¡¨¸ ¸¡ôÒÚ¾¢ À¡Ð¸¡ôÒìÌ ¾Ì¾¢Â¡É¨ÅÂøÄ.

9. ¨ÅôÒò¦¾¡¨¸¸¡ôÒÚ¾¢À¡Ð¸¡ôÒì̱ÉШÅôÒò¦¾¡¨¸¸û¾Ì¾¢¦ÀüÈ¢ÕôÀбÉì̱ùÅ¡Ú¦¾Ã¢Ôõ?

¯í¸û ¿¢¾¢¨Â ¿£í¸û Åí¸¢Â¢ø ¨ÅôÀ¾üÌ ÓýÉ÷ ´Õ ¨ÅôÒò¦¾¡¨¸ ¸¡ôÒÚ¾¢ À¡Ð¸¡ôÒìÌ ¾Ì¾¢¦ÀÚ¸¢È¾¡ þø¨Ä¡ ±ýÀ¨¾ ¯í¸Ç¢ý ¯ÚôÒ Åí¸¢ ¯í¸ÙìÌ «Åº¢Âõ ¦¾Ã¢ÂôÀÎòÐõ. ¾Ì¾¢¦ÀüÈ «¨ÉòÐ ¨ÅôÒò¦¾¡¨¸¸Ùõ ´ù§Å¡÷ ¯ÚôÒ Åí¸¢Â¢É¡ø ´Õ À¾¢Å¢ø ÀðÊÂÄ¢¼ôÀðÊÕìÌõ.

À¡Ð¸¡ôÀ¢ý «Ç× ÁüÚõ ¨ÅôÒò¦¾¡¨¸

¸¡ôÒÚ¾¢ À¡Ð¸¡ôÒ ÌÈ¢ò¾ ¾¸Åø¸¨Ç §¿÷ò¾¢Â¡É, ¦À¡Õò¾Á¡É ÁüÚõ ºÃ¢Â¡É §¿Ãòмý ¯ÚôÒ Åí¸¢¸û ÅÆí̸¢ýÈÉÅ¡ ±ýÀ¨¾ ¯Ú¾¢ôÀÎò¾ ¨ÅôÒò¦¾¡¨¸ ¸¡ôÒÚ¾¢ ÌÈ¢ò¾ ¾¸ÅÄ¢ý Å¢¾¢Ó¨È ºð¼Å¢¾¢¸û 2011-ìÌ ²üÀ þó¾ §¸¡Ã¢ì¨¸¸û «¨Áó¾¢Õ츢ýÈÉ.

10. ÅÆì¸Á¡ÉÁüÚõþŠÄ¡Á¢Â¨ÅôÒò¦¾¡¨¸¸û¾É¢ò¾É¢Â¡¸À¡Ð¸¡ì¸ôÀθ¢ýÈÉÅ¡?

¬õ. ´Õ Åí¸¢ ´Õ ¨ÅôÒò¦¾¡¨¸Â¡Ç÷ ±Ûõ «ÊôÀ¨¼Â¢ø ÅÆì¸Á¡É ÁüÚõ þŠÄ¡Á¢Â ¨ÅôÒò¦¾¡¨¸¸û ¾É¢ò¾É¢Â¡¸ RM250,000 ̈ ÅôÒò¦¾¡¨¸ ¸¡ôÒÚ¾¢ ÅÃõÒìÌ ¾Ì¾¢¦ÀüÈ¢Õ츢ýÈÉ.

11. ¿¡ýÀįÚôÒÅí¸¢¸Ç¢ø¨ÅôÒò¦¾¡¨¸¸¨Ç¨Åò¾¢Õ츢ý§Èý.±ÉЫ¨ÉòШÅôÒò¦¾¡¨¸¸Ùõ¸¡ôÒÚ¾¢À¡Ð¸¡ôÒ§¿¡ì¸ò¾¢ü¸¡¸´ýÈ¡¸§º÷òÐ즸¡ûÇôÀÎÁ¡?

þø¨Ä. ¦Åù§ÅÚ ¯ÚôÒ Åí¸¢¸Ç¢ø þÕìÌõ ¯í¸Ç¢ý ¨ÅôÒò¦¾¡¨¸¸û ¾É¢ò¾É¢Â¡¸§Å À¡Ð¸¡ì¸ôÀÎõ. ´Õ Åí¸¢ ́ Õ ̈ ÅôÒò¦¾¡¨¸ ±Ûõ «ÊôÀ¨¼Â¢ø RM250,000 ¨ÅôÒò¦¾¡¨¸ ¸¡ôÒÚ¾¢ ÅÃõÒ ÅÆí¸ôÀÎõ.

12. ´§Ã¯ÚôÒÅí¸¢Â¢ý¦Åù§ÅÚ¸¢¨Ç¸Ç¢ø¿¡ý¨ÅôÒò¦¾¡¨¸¸¨Ç¨Åò¾¢Õ츢ý§Èý.±ÉЫ¨ÉòШÅôÒò¦¾¡¨¸¸Ùõ¾É¢ò¾É¢Â¡¸À¡Ð¸¡ì¸ôÀÎÁ¡?

þø¨Ä. ´§Ã ¯ÚôÒ Åí¸¢Â¢ý ¦Åù§ÅÚ ¸¢¨Ç¸Ç¢ø ¨Åì¸ôÀðÊÕìÌõ ¨ÅôÒò¦¾¡¨¸¸û «¨ÉòÐõ

Á§Äº¢Â ¨ÅôÒò¦¾¡¨¸ ¸¡ôÒÚ¾¢ì ¸Æ¸õ (PIDM) ¯í¸Ç¢ý Åí¸¢ ¨ÅôÒò¦¾¡¨¸¸û ¯ðÀ¼ ¯í¸Ç¢ý ¾ì¸¡·Òø ÁüÚõ ¸¡ôÒÚ¾¢ «ÛÜÄí¸¨Çô À¡Ð¸¡ì¸¢ýÈÐ. PIDM-Á¢É¡ø ¿¢÷Ÿ¢ì¸ôÀÎõ ¨ÅôÒò¦¾¡¨¸ ¸¡ôÒÚ¾¢ Ó¨È ÁüÚõ ¾ì¸¡·Òø ÁüÚõ ¸¡ôÒÚ¾¢ «ÛÜÄí¸û À¡Ð¸¡ôÒ Ó¨È ÅÆ¢, ¾ì¸¡·Òø º¡ýÈ¢¾øû ÁüÚõ ¸¡ôÒÚ¾¢ À¡Ä¢º¢¸Ç¢ý ¯Ã¢¨Á¡Ç÷¸û ¯ðÀ¼ ¨ÅôÒò¦¾¡¨¸Â¡Ç÷¸û «¨ÉÅÕõ ¾í¸Ç¢ý ¾Ì¾¢¦ÀüÈ Åí¸¢ ¨ÅôÒò¦¾¡¨¸¸û ÁüÚõ ¾ì¸¡·Òø ÁüÚõ ¸¡ôÒÚ¾¢ «ÛÜÄí¸Ùì¸¡É ºð¼ôâ÷ÅÁ¡É ÁüÚõ ¦¾Ç¢Å¡É À¡Ð¸¡ô¨À þô§À¡Ð «ÛÀÅ¢ì¸Ä¡õ. Á§Äº¢Â ¿¢¾¢ ӨȢø ¿¢¨Äò¾ý¨Á¨Â °ìÌÅ¢òÐ Àí¸Ç¢ìÌõ PIDM-Á¢ý «¾¢¸¡ÃòÐìÌ ²üÀ þÐ «¨Áó¾¢Õ츢ÈÐ.

PIDM±ýÀбýÉ?PIDM ±ýÀÐ, Á§Äº¢Â ¨ÅôÒò¦¾¡¨¸ ¸¡ôÒÚ¾¢ì ¸Æ¸î ºð¼ò¾¢ý (PIDM ºð¼õ) ¸£ú ¿¢ÚÅôÀð¼ µ÷ «Ãº¡í¸ ¿¢ÚÅÉõ. ¨ÅôÒò¦¾¡¨¸Â¡Ç÷¸¨Çô À¡Ð¸¡ìÌõ §¿¡ì¸ò¾¢ø §¾º¢Â ¨ÅôÒò¦¾¡¨¸ ¸¡ôÒÚ¾¢ ӨȨ ¿¢÷Ÿ¢ôÀ¾ü¸¡¸ 2005-¬õ ¬ñÊø PIDM ¿¢ÚÅôÀð¼Ð. 2010-¬õ ¬ñΠʺõÀ÷ 31-¬õ §¾¾¢ Ó¾ø, ¾ì¸¡·Òø º¡ýÈ¢¾ú¸û ÁüÚõ ¸¡ôÒÚ¾¢ À¡Ä¢º¢¸Ç¢ý ¯Ã¢¨Á¡Ç÷¸ÙìÌ À¡Ð¸¡ôÒ ÅÆí¸ ¾ì¸¡·Òø ÁüÚõ ¸¡ôÒÚ¾¢ «ÛÜÄí¸û À¡Ð¸¡ôÒ Ó¨È¨Â ¿¢÷Ÿ¢ìÌõ Ũ¸Â¢ø PIDM-Á¢ý À½¢ Ţâ×ôÀÎò¾ôÀðÊÕ츢ÈÐ.

PIDM±ò¾¨¸ÂÀ¡Ð¸¡ô¨ÀÅÆí̸¢ÈÐ?

þбÉì̱ùÅ¡ÚÀÄÉǢ츢ÈÐ?• PIDM ¯í¸û Åí¸¢ ¨ÅôÒò¦¾¡¨¸¸¨Çô À¡Ð¸¡ôÀмý µ÷

¯ÚôÒ Åí¸¢ §¾¡øÅ¢ÔÚõ Àðºò¾¢ø ¸¡ôÒÚ¾¢ ¦ºöÂôÀð¼ ¯í¸Ç¢ý ¨ÅôÒò¦¾¡¨¸ì¸¡É À½ò¨¾ ¯¼ÉÊ¡¸ò ¾¢ÕôÀ¢ò ¾Õ¸¢ÈÐ.

• µ÷ ¯ÚôÒ ¸¡ôÒÚ¾¢ ¿¢ÚÅÉõ §¾¡øÅ¢ÔüÈ¡ø, ¾Ì¾¢¦ÀüÈ ¾ì¸¡·Òø «øÄÐ ¸¡ôÒÚ¾¢ «ÛÜÄí¸ÙìÌ þÆôÒ ²üÀΞ¢ø þÕóÐ PIDM «Å÷¸¨Çô À¡Ð¸¡ìÌõ.

• PIDM-Á¢É¡ø ÅÆí¸ôÀÎõ À¡Ð¸¡ôÒ þÂøÀ¡¸§Å ÅÆí¸ô Àθ¢ÈÐ ±ýÀмý «¾üÌ Å¢ñ½ôÀ¢ì¸ò §¾¨Å¢ø¨Ä.

• PIDM-Á¢É¡ø ÅÆí¸ôÀÎõ À¡Ð¸¡ôÒìÌ ̈ ÅôÒò¦¾¡¨¸Â¡Ç÷¸û «øÄÐ ¾ì¸¡·Òø º¡ýÈ¢¾ú¸û ÁüÚõ ¸¡ôÒÚ¾¢ À¡Ä¢º¢¸Ç¢ý ¯Ã¢¨Á¡Ç÷¸û ¸ð¼½õ ²Ðõ ¦ºÖò¾ §ÅñÊÂÐÁ¢ø¨Ä.

¨ÅôÒò¦¾¡¨¸¸¡ôÒÚ¾¢Ó¨È

¾ì¸¡·ÒøÁüÚõ¸¡ôÒÚ¾¢«ÛÜÄí¸ûÀ¡Ð¸¡ôÒ

Ó¨È(TIPS)

µ÷ ¯ÚôÒ Åí¸¢ §¾¡øÅ¢ÔÚõ Àðºò¾¢ø, ¯ÚôÒ Åí¸¢¸Ç¢ø ¨Åì¸ôÀðÊÕìÌõ ¨ÅôÒò ¦¾¡¨¸Â¡Ç÷¸Ç¢ý ¸¡ôÒÚ¾¢ ¦ºöÂôÀð¼ ¨ÅôÒò ¦¾¡¨¸ ¸ÙìÌ þÆôÒ ²üÀð¼¡ø «Å÷¸¨Çô À¡Ð¸¡ìÌõ.

µ÷ ¯ÚôÒ ¸¡ôÒÚ¾¢ ¿¢ÚÅÉõ §¾¡øÅ¢ÔÚõ Àðºò¾¢ø, ¾ì¸¡· Òø º¡ýÈ¢¾ú¸û ÁüÚõ ̧ ¡ôÒÚ¾¢ À¡Ä¢º¢¸Ç¢ý ¯Ã¢¨Á¡Ç÷¸Ç¢ý ¾Ì¾¢¦ÀüÈ ¾ì¸¡·Òø ÁüÚõ ¸¡ôÒÚ¾¢ «ÛÜÄí¸ÙìÌ þÆôÒ ²üÀΞ¢ø þÕóÐ «Å÷¸¨Çô À¡Ð¸¡ìÌõ.

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