Amaruddin Khalid - Shariah RFP

“Betul ke TH dah tak buka klinik masa musim haji?”

Alhamdulillah, walaupun terdapat beberapa pindaan peraturan operasi haji 1447H/2026M oleh Kerajaan Arab Saudi, kebajikan dan kesihatan jemaah tetap menjadi keutamaan TH.

Bagi musim haji tahun ini, seramai 224 petugas perubatan KKM bertugas di Tanah Suci, termasuk lebih ramai pakar perubatan serta gabungan petugas berpengalaman dan baharu.

Jemaah fokus beribadah, waris p**a usahlah bimbang. Insya-Allah, setiap jemaah akan terus disantuni dan menerima bantuan serta sokongan yang diperlukan sepanjang berada di Tanah Suci.

The Hire Purchase Act 1967 is a Malaysian law that protects people who buy vehicles or goods using installment payments (loan + monthly payment system).

An amendment to the Act means the government updates or improves the law to make the process fairer, clearer, and safer for buyers and finance companies.

In simple words, the amendment usually focuses on things like:

* Giving buyers clearer information before signing
* Protecting buyers from unfair charges
* Making repossession procedures stricter and more controlled
* Ensuring transparency in loan calculations
* Updating rules to match current banking and consumer practices

Simple Example — Buying a Honda City

Imagine:

* Price of Honda City = RM90,000
* Down payment = RM9,000
* Loan from bank = RM81,000
* Loan period = 9 years
* Monthly installment = around RM900+

Under the Hire Purchase Act:

Before You Sign

The bank/dealer must clearly show:

* Car price
* Interest rate
* Total loan amount
* Monthly payment
* Late payment penalties
* Total amount you will finally pay

So you understand the REAL cost before agreeing.

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During Payment

You must pay monthly installments on time.

If you miss payments:

* The bank cannot simply “tarik kereta” immediately.
* They must follow legal procedures.

Usually:

1. Reminder notice
2. Default notice
3. Repossession notice
4. Proper documentation during towing

This protects buyers from illegal repossession.

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If Car Gets Repossessed

The amended rules make the process more controlled:

* The repossessor must carry official documents
* They cannot threaten or damage property
* They must give inventory list of items inside car
* Buyer still has rights to settle outstanding payment

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Why the Amendment Matters

Without strong Hire Purchase rules:

* Buyers could be tricked with hidden charges
* Interest calculations may be unclear
* Cars could be repossessed unfairly
* Consumers may not know their legal rights

The amendment helps make car financing more transparent and fair for ordinary people.