{"id":795,"date":"2024-03-09T23:47:05","date_gmt":"2024-03-09T15:47:05","guid":{"rendered":"https:\/\/hellolink.my\/?page_id=795"},"modified":"2025-12-22T16:52:49","modified_gmt":"2025-12-22T08:52:49","slug":"panduan-pembiayaan-islamik","status":"publish","type":"page","link":"https:\/\/hellolink.my\/index.php\/panduan-pembiayaan-islamik\/","title":{"rendered":"Panduan Pembiayaan Islamik"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"795\" class=\"elementor elementor-795\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9d1a649 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9d1a649\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-88aaa1f\" data-id=\"88aaa1f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c40571a elementor-widget elementor-widget-heading\" data-id=\"c40571a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Panduan Pembiayaan Islamik<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e465395 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e465395\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1911f07\" data-id=\"1911f07\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4c9b416 elementor-widget elementor-widget-heading\" data-id=\"4c9b416\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><b>Organisasi Yang Telus &amp; Dipercayai<\/b><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fdf09a elementor-widget elementor-widget-text-editor\" data-id=\"2fdf09a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"background-color: transparent; letter-spacing: 0px;\">Pilihan pakar perunding kewangan dari sebuah syarikat yang mempunyai reputasi yang baik, telus &amp; boleh dipercayai agak penting kerana nasihat pakar perunding boleh menentukan kestabilan &amp; perancangan kewangan seseorang individu tersebut. Tempoh perkhidmatan sesebuah syarikat &amp; surat lantikan yang sahih dari agensi juga konteks yang perlu dititikberatkan.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6644c32 elementor-widget elementor-widget-heading\" data-id=\"6644c32\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Kadar, Kelayakan &amp; Komitmen<\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c0df95 elementor-widget elementor-widget-text-editor\" data-id=\"7c0df95\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"background-color: transparent; letter-spacing: 0px;\">Kadar yang rendah &amp; TETAP perlulah bertepatan dengan kelayakan &amp; komitment seseorang individu. Jika komitment agak tinggi &amp; kadar pembiayaan tinggi maka kelayakan pembiayaaan seseorang individu akan berkurang. Komitment kewangan biasanya diambilkira pembayaran di luar &amp; dalam slipgaji untuk memastikan pelanggan dapat membayar semula pembiayaan dengan baik.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb4370e elementor-widget elementor-widget-heading\" data-id=\"fb4370e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Jangka Masa Pembiayaan<\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54969d4 elementor-widget elementor-widget-text-editor\" data-id=\"54969d4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"background-color: transparent; letter-spacing: 0px;\">Sejak tahun 2013, kerajaan menetapkan tempoh pembiayaan peribadi utk penjawat awan hanya utk 10 tahun. Hal ini demikian kerana, pelanggan tidak harus menampung komitment yang tinggi dan lama utk sesuatu pembiayaan tersebut. Jika pelanggan menghadapi masalah utk membayar semula sesuatu pinjaman, pelanggan haruslah berkomunikasi dengan pihak agensi utk proses penjadualan semula atau penstrukturan pembiayaan dengan lebih baik.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-95e5cdd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"95e5cdd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5c2793f\" data-id=\"5c2793f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f2efbc6 elementor-widget elementor-widget-heading\" data-id=\"f2efbc6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Patuh Kepada Prinsip Syariah<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2c87fda elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c87fda\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-961b341\" data-id=\"961b341\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b663b2d elementor-widget elementor-widget-image\" data-id=\"b663b2d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-09-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-1155\" alt=\"\" srcset=\"https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-09-150x150.png 150w, https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-09-300x300.png 300w, https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-09-1024x1024.png 1024w, https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-09-768x768.png 768w, https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-09.png 1250w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2bf374 elementor-widget elementor-widget-text-editor\" data-id=\"d2bf374\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tiada Caj Tersembunyi<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-adc5c0d\" data-id=\"adc5c0d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5cc0680 elementor-widget elementor-widget-image\" data-id=\"5cc0680\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-06-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-1156\" alt=\"\" srcset=\"https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-06-150x150.png 150w, https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-06-300x300.png 300w, https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-06-1024x1024.png 1024w, https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-06-768x768.png 768w, https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-06.png 1250w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f32b74 elementor-widget elementor-widget-text-editor\" data-id=\"2f32b74\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tiada Caj Pendahulan<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-c79f79e\" data-id=\"c79f79e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f775dd elementor-widget elementor-widget-image\" data-id=\"3f775dd\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-07-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-1157\" alt=\"\" srcset=\"https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-07-150x150.png 150w, https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-07-300x300.png 300w, https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-07-1024x1024.png 1024w, https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-07-768x768.png 768w, https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-07.png 1250w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e10992d elementor-widget elementor-widget-text-editor\" data-id=\"e10992d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Mempraktiskan Perjanjian &amp; Akad<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-db6a48d\" data-id=\"db6a48d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a34fc8 elementor-widget elementor-widget-image\" data-id=\"7a34fc8\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-08-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-1158\" alt=\"\" srcset=\"https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-08-150x150.png 150w, https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-08-300x300.png 300w, https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-08-1024x1024.png 1024w, https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-08-768x768.png 768w, https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-08.png 1250w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d48d0f1 elementor-widget elementor-widget-text-editor\" data-id=\"d48d0f1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Telus &amp; Transparensi Dalam Perundingan<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-638c7da\" data-id=\"638c7da\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-807c4e6 elementor-widget elementor-widget-image\" data-id=\"807c4e6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-10-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-1353\" alt=\"\" srcset=\"https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-10-150x150.png 150w, https:\/\/hellolink.my\/wp-content\/uploads\/2024\/05\/icons-10.png 300w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da8eaa5 elementor-widget elementor-widget-text-editor\" data-id=\"da8eaa5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tiada Konsep Perjudian<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Panduan Pembiayaan Islamik Organisasi Yang Telus &amp; Dipercayai Pilihan pakar perunding kewangan dari sebuah syarikat yang mempunyai reputasi yang baik, telus &amp; boleh dipercayai agak penting kerana nasihat pakar perunding boleh menentukan kestabilan &amp; perancangan kewangan seseorang individu tersebut. Tempoh perkhidmatan sesebuah syarikat &amp; surat lantikan yang sahih dari agensi juga konteks yang perlu dititikberatkan. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-795","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/hellolink.my\/index.php\/wp-json\/wp\/v2\/pages\/795","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hellolink.my\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hellolink.my\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hellolink.my\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hellolink.my\/index.php\/wp-json\/wp\/v2\/comments?post=795"}],"version-history":[{"count":100,"href":"https:\/\/hellolink.my\/index.php\/wp-json\/wp\/v2\/pages\/795\/revisions"}],"predecessor-version":[{"id":1939,"href":"https:\/\/hellolink.my\/index.php\/wp-json\/wp\/v2\/pages\/795\/revisions\/1939"}],"wp:attachment":[{"href":"https:\/\/hellolink.my\/index.php\/wp-json\/wp\/v2\/media?parent=795"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}