tag:blogger.com,1999:blog-6761026898517238182024-02-20T12:03:48.941-08:00Subjek PerdaganganBlog Subjek Perdagangan onlineAnonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.comBlogger33125tag:blogger.com,1999:blog-676102689851723818.post-2127391369076918992013-07-30T22:51:00.000-07:002013-07-30T22:55:42.495-07:00Rancangan Pengajaran Harian Perdagangan<p style=" margin: 12px auto 6px auto; font-family: Helvetica,Arial,Sans-serif; font-style: normal; font-variant: normal; font-weight: normal; font-size: 14px; line-height: normal; font-size-adjust: none; font-stretch: normal; -x-system-font: none; display: block;"> <a title="View RPH-perdagangan on Scribd" href="http://www.scribd.com/doc/24623272/RPH-perdagangan" style="text-decoration: underline;" >RPH-perdagangan</a> by <a title="View badromeo03's profile on Scribd" href="http://www.scribd.com/badromeo03" style="text-decoration: underline;" >badromeo03</a></p><iframe class="scribd_iframe_embed" src="http://www.scribd.com/embeds/24623272/content?start_page=1&view_mode=scroll&access_key=key-28gxpp3uad95cqy59ty8&show_recommendations=true" data-auto-height="false" data-aspect-ratio="1.29449152542373" scrolling="no" id="doc_18276" width="100%" height="600" frameborder="0"></iframe>Anonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.comtag:blogger.com,1999:blog-676102689851723818.post-6965699792238374822013-07-30T07:58:00.001-07:002013-07-30T07:58:21.167-07:00Bab 8 : Konsumerisme<iframe src="http://www.slideshare.net/slideshow/embed_code/19002031" width="427" height="356" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" style="border:1px solid #CCC;border-width:1px 1px 0;margin-bottom:5px" allowfullscreen webkitallowfullscreen mozallowfullscreen> </iframe> <div style="margin-bottom:5px"> <strong> <a href="http://www.slideshare.net/kesavanseven7/konsumerisme-19002031" title="Konsumerisme" target="_blank">Konsumerisme</a> </strong> from <strong><a href="http://www.slideshare.net/kesavanseven7" target="_blank">Kesavan Seven</a></strong> </div>
(bab 8)Anonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.comtag:blogger.com,1999:blog-676102689851723818.post-45881114391528408872013-07-30T07:56:00.001-07:002013-07-30T07:56:35.005-07:00Bab 7 : Peranan Kerajaan<iframe src="http://www.slideshare.net/slideshow/embed_code/12981312" width="427" height="356" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" style="border:1px solid #CCC;border-width:1px 1px 0;margin-bottom:5px" allowfullscreen webkitallowfullscreen mozallowfullscreen> </iframe> <div style="margin-bottom:5px"> <strong> <a href="http://www.slideshare.net/NoorAdilah/bab-7-peranan-kerajaan-dalam-perniagaan" title="Bab 7 peranan kerajaan dalam perniagaan" target="_blank">Bab 7 peranan kerajaan dalam perniagaan</a> </strong> from <strong><a href="http://www.slideshare.net/NoorAdilah" target="_blank">Noor Adilah</a></strong> 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<br />
<div align="center" class="MsoNormal" style="direction: ltr; text-align: center; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 18.0pt;">PROMOSI</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Tahoma","sans-serif"; font-size: 18.0pt; mso-ansi-language: EN-US;"></span></u></b></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l15 level1 lfo1; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">Maksud Promosi</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">satu
proses memberitahu , memujuk dan mempengaruhi pelanggan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menyedarkan
pengguna tentang barangan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menjadikan
pengguna setia kepada barangan yang ditawarkan</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l15 level1 lfo1; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">Peranan Promosi</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menyampaikan maklumat</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">memberitahu kewujudan barang
dipasaran</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">maklumat spesifikasi barang, kegunaan,
harga dan pengeluar</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 8.0pt;"><span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mewujudkan pasaran baru</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menyedarkan pengguna tentang barang
baru</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menarik minat membeli dan mengguna</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mengekalkan pasaran sedia
ada</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mengingatkan pengguna kepada jenama</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mewujudkan pengguna setia</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Meningkatkan dan meluaskan
pasaran</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">membantu penyebaran maklumat kepada
lebih ramai pengguna</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menggunakan media yang liputan
siarannya luas</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Memujuk dan mempengaruhi
pembeli</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menggunakan aktiviti dan teknik
promosi yang menarik </span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Memantapkan imej barang
dan syarikat</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">barang menjadi lebih popular dan
mendapat perhatian kerana dikaitkan dengan imej pengguna </span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mengatasi pesaing</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mengelakkan pengguna sedia ada dan
baru mudah lupa dan beralih menggunakan barangan pesaing</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l15 level1 lfo1; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">Promosi dalam Pemasaran.</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Strategi Pemasaran </span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l1 level1 lfo2; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sasaran pasaran</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> <span style="mso-tab-count: 1;"> </span>– kumpulan pengguna yang cuba dipengaruhi</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l1 level1 lfo2; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Campuran pemasaran</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> <span style="mso-tab-count: 1;"> </span>– gabungan unsur penting pemasaran</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l1 level2 lfo2; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Produk</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>– menghasilkan barang berorientasi pengguna <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span></span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menepati cita rasa, keperluan
dan kehendak <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>pengguna </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l1 level2 lfo2; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Harga</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-spacerun: yes;"> </span>disesuaikan
mengikut keadaan pelanggan, <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span></span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">persaingan, kos
pengeluaran dan keuntungan<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>yang ingin diperolehi</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l1 level2 lfo2; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Promosi</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- ditumpukan kepada kumpulan sasaran <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span></span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menyedarkan pengguna
tentang kewujudan <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>barang menyampaikan
maklumat, menarik<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>perhatian, meyakinkan dan mempengaruhi<span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>pengguna</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l1 level2 lfo2; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Agihan</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- dihantar tepat pada masa ke tempat <span style="mso-tab-count: 3;"> </span>barang diperlukan.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l15 level1 lfo1; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">Jenis Promosi.</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pengiklanan</span></u></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l15 level3 lfo1; tab-stops: list 117.0pt; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Memperkenalkan
barangan baru</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l15 level3 lfo1; tab-stops: list 117.0pt; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mengingati
sesuatu barangan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l15 level3 lfo1; tab-stops: list 117.0pt; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mengekalkan
pasaran barangan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l15 level3 lfo1; tab-stops: list 117.0pt; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Barangan
lebih popular</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l15 level3 lfo1; tab-stops: list 117.0pt; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Imej
yang lebih baik</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l15 level3 lfo1; tab-stops: list 117.0pt; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mempengaruhi,
memberitahu dan memujuk pengguna</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l15 level3 lfo1; tab-stops: list 117.0pt; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mendapatkan
maklumat sesuatu barangan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 99.0pt; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l15 level4 lfo1; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Iklan berkesan mempunyai
unsur pujukan menjadi <b style="mso-bidi-font-weight: normal;">gaya</b><b style="mso-bidi-font-weight: normal;"> tarikan yang dirancang</b> dalam sesuatu
mesej iklan.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l15 level4 lfo1; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">3
jenis gaya
tarikan iklan</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; mso-list: l15 level5 lfo1; tab-stops: list 2.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pujukan
Rasioal</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- Mengaitkan sesuatu pembelian dengan
</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>kepentingan peribadi pembeli. </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- Pembelian barang dikatakan lebih </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>berfaedah, berkualiti, bernilai, </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>kesihatan, penjimatan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; mso-list: l4 level1 lfo3; tab-stops: list 2.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pujukan
emosi</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- Menimbulkan perasaan positif
supaya<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>orang ramai terdorong membeli. </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- Mesej iklan ada unsur rasa kasih </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>sayang, takut, malu, bangga, gembira,<span style="mso-spacerun: yes;">
</span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>mengikis perasaan bimbang</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; mso-list: l4 level1 lfo3; tab-stops: list 2.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pujukan
moral</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- Sikap orang ramai tentang perkara </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>yang benar dan lebih wajar dilakukan. </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- Mesej iklan <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>tentang kebersihan alam sekitar, perpaduan, <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>persamaan hak, amalan tolong-menolong</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l3 level1 lfo4; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jenis
Iklan</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; mso-list: l4 level1 lfo3; tab-stops: list 2.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Iklan
penerangan</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>memperkenal jenama baru dipasaran</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>ada maklumat harga, kegunaan, cara guna, <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>keistimewaan barangan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>elak keraguan pengguna</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; mso-list: l4 level1 lfo3; tab-stops: list 2.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Iklan
memujuk</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>persaingan sesuatu barangan semakin </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>hebat di pasaran</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>bentuk keyakinan pengguna</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>terang kelebihan jenama, bandingkan </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>dengan jenama lain </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;">
</span>menjadi iklan bertanding</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; mso-list: l4 level1 lfo3; tab-stops: list 2.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Iklan
mengingat</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>pengguna sentiasa mengingat sesuatu<span style="mso-spacerun: yes;"> </span></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>jenama</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>disiarkan berulang-ulang </span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>barangan telah lama di pasaran</span></div>
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<br /></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>- <b style="mso-bidi-font-weight: normal;"><u>Promosi Jualan</u></b></span></div>
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<br /></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cara
galakan jualan bagi tempoh yang singkat</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">bantu
tarik pelanggan baru</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">galakkan
pengguna membeli</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">barangan
dikenali, kekal dan atasi pesaing</span></div>
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<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l10 level2 lfo5; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Promosi
Pengguna</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- </span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>mendorong pengguna membeli</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>pengguna ditawarkan sample percuma, kupon </span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>hadiah, potongan harga,
pertandingan</span></div>
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<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l5 level1 lfo6; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Promosi
pengedar</span></b></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>pemberian insentif kepada pemborong dan </span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>peruncit supaya menambah
pengedaran dan<span style="mso-spacerun: yes;"> </span></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>jualan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>pengedar ditawarkan diskaun, barang </span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>percuma, hadiah wang,
pertandingan jualan</span></div>
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<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l5 level1 lfo6; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Promosi
jualan</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span></span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">galakkan jurujual menjual secara lebih </span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>berkesan</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>insentif diberi – bonus, komisen, peraduan</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>tempoh promosi jangka masa pendek</span></div>
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<br /></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jualan Terus</span></u></b></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kaedah
promosi sesuatu barangan secara peribadi</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">melalui
jurujual</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">caranya
– system parti, pergi dari rumah ke rumah</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">wakil
syarikat menerangkan, memujuk, meyakinkan pengguna</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">jurujual
diberi komisen, diakaun</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">jurujual
dan pengguna berkomunikasi dua hala</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">pengguna
Dapat layanan peribadi</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">jurujual
Sesuaikan cara penyampaian maklumat, teknik memujuk</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">jurujual
tahu reaksi pengguna</span></div>
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<br /></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Publisiti</span></u></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l11 level1 lfo8; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Penyebaran
maklumat menerusi media secara percuma</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bayaran
siaran ditanggung oleh syarikat media </span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pengeluar
tidak tanggung kos penyiaran</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tujuan
beritahu barangan baru, keistimewaan</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Maklumat
dikawal syarikat media</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kelebihan
- Jimatkan kos promosi, lebih diyakini, liputan lebih luas, jalin hubungan baik
dengan orang ramai</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kelemahan
– berita terhad, maklumat tak jelas, kritikan media, masa siaran tidak sesuai,
sukar dirancang</span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">5. MEDIA
PENGIKLANAN</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">JENIS MEDIA PENGIKLANAN</span></i></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">AKHBAR/MAJALAH</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Liputan
lebih luas</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> murah berbanding yang
lain</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
sertakan gambar/peneranan</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
dibuat secara warna warni</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
dibaca berulang kali</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
pilih ruang/mukasurat</span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">HALAMAN
KUNING</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Ruang
iklan di buku panduan telefon</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mudah
untuk pelanggan</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Disusun
ikut abjad</span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">TELEVISYEN</span></b></div>
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penerangan lengkap</span></li>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">POSTER/PAPAN
TANDA/ SEPANDUK</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> murah</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menarik
perhatian pengguna</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
pilih sasaran pasaran</span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">RADIO</span></b></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Liputan
luas</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Penerangan
lengkap</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
diselitkan muzik</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
disiarkan bila-bila masa</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
taja rancangan</span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">INTERNET</span></b></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Liputan
luas ke selruruh dunia</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
masukkan kesan animasi/audio visual</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
terus pesan barang on line</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> murah jika pandai bina
laman web sendiri</span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">LAMPU
NEON</span></b></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cantik
dan menarik</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jelas
pada waktu malam</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
jadi pandu arah kepada pengguna</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
guna untuk tempoh lama</span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">PAMERAN/EKSPO</span></b></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sampai
ke sasaran pengguna </span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pengguna
boleh cuba
barang dan Tanya</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
kesan masalah pengguna</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Hubungan
2 hala dengan pelanggan</span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">PEMILIHAN MEDIA
PENGIKLANAN</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">Faktor
Pemilihan Media Pengiklanan</span></i></b></div>
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<br /></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jenis dan sifat barangan</span></b></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>barangan
teknikal<span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;"> </span>televisyen, pameran, internet</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 3;"> </span><span style="mso-tab-count: 1;"> </span>- <span style="mso-spacerun: yes;"> </span>perlu penerangan dan tunjuk ajar</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>barangan
baru<span style="mso-tab-count: 1;"> </span>- sampel percuma</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>barang
perhiasan<span style="mso-tab-count: 1;"> </span>- majallah wanita</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>perkakas
dapur<span style="mso-tab-count: 1;"> </span>- pameran, ekspo</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 3;"> </span><span style="mso-tab-count: 1;"> </span>- perlu tunjuk ajar jurujual</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>perkhidmatan
pelancongan – iklan akhbar/risalah</span></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">
Pengiklanan</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>ikut kemampuan peniaga</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>peniaga kecil-kecilan<span style="mso-tab-count: 1;"> </span>- media murah</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 4;"> </span><span style="mso-tab-count: 1;"> </span>- papan tanda/risalah</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>syarikat besar<span style="mso-tab-count: 2;"> </span>- media mahal</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 4;"> </span><span style="mso-tab-count: 1;"> </span>- televisyen/ akhbar/ majalah</span></div>
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<br /></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tujuan Pengiklanan</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-bidi-font-weight: bold;">*</span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span></span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">akhbar<span style="mso-tab-count: 1;"> </span>- matlamat sampaikan maklumat ke
seluruh <span style="mso-tab-count: 3;"> </span><span style="mso-tab-count: 1;"> </span>negara</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 2;"> </span><span style="mso-tab-count: 1;"> </span>- barangan baru</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>sampel percuma dan borang maklum balas</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>- ingin tahu sambutan orang ramai</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>televisyen/radio/internet</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>- untuk atasi pesaing</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>- menarik dan liputan luas</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Saiz Perniagaan</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>syarikat besar<span style="mso-tab-count: 1;"> </span></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>- media mahal</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>- televisyen/akhbar</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>perniagaan
kecil-kecilan<span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-
media murah</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-
risalah/poster/sepanduk</span></div>
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<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l8 level1 lfo9; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sasaran Pengguna</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>golongan
pengguna yang diharapkan membeli</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>sampai
mesej kepada golongan yang betul</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>peralatan
sukan<span style="mso-tab-count: 1;"> </span>- majalah sukan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>barang
kemas<span style="mso-tab-count: 1;"> </span>- majallah wanita</span></div>
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<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l8 level1 lfo9; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Luas Pasaran</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>barangan
pasaran <span style="mso-tab-count: 1;"> </span>- risalah/papan </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>setempat<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>tanda/poster/sepanduk</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>pasaran
seluruh negara<span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-
televisyen/akhbar negara</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>pasaran
antarabangsa<span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-
televisyen setelit/internet </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span><span style="mso-tab-count: 1;"> </span>- majallah antarabangsa</span></div>
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<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l8 level1 lfo9; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dasar Kerajaan</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>peraturan
mesti dipatuhi</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>penentuan
saiz, kandungan, jenis iklan, </span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>arak
dan rokok dilarang dalam iklan tv</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>dapat
kebenaran – Akta Kerajaan Tempatan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: left; unicode-bidi: embed;">
<br /></div>
Anonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.comtag:blogger.com,1999:blog-676102689851723818.post-53179958070815445842013-07-30T03:17:00.001-07:002013-07-30T03:17:53.560-07:00Bab 8 : Konsumersime<!--[if gte mso 9]><xml>
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<h1 align="center" style="text-align: center;">
<u><span style="font-family: "Tahoma","sans-serif"; font-size: 18.0pt; font-weight: normal;">KONSUMERISME</span></u></h1>
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<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">1.</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Maksud Konsumerisme</span></div>
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</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Satu
perjuangan bagi melindungi hak dan kepentingan pengguna </span></div>
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</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Satu
usaha bagi menyedarkan pengguna tentang hak mereka supaya taraf hidup<span style="mso-spacerun: yes;"> </span>meningkat </span></div>
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<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">2.</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Matlamat Konsumerisme</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">melindungi
hak pengguna</span></div>
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</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mewujudkan
iklim perniagaan yang harmoni</span></div>
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<br /></div>
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<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">3.</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 93.0pt;" valign="top" width="124">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Maksud pengguna</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 317.7pt;" valign="top" width="424">
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">orang
yang menggunakan barang <span style="mso-spacerun: yes;"> </span>untuk penuhi
keperluan dan kehendak</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 32.1pt;" valign="top" width="43">
<div class="MsoNormal" dir="RTL" style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">4.
</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 93.0pt;" valign="top" width="124">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Amalan perniagaan yang
tidak sihat</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 317.7pt;" valign="top" width="424">
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">letak
harga <span style="mso-spacerun: yes;"> </span>tidak berpatutan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">buat
iklan <span style="mso-spacerun: yes;"> </span>mengelirukan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">tawar
barang <span style="mso-spacerun: yes;"> </span>berkualiti rendah </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">jual
barang yang tidak selamat </span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 32.1pt;" valign="top" width="43">
<div class="MsoNormal" dir="RTL" style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">5.</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 93.0pt;" valign="top" width="124">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Hak pengguna</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 317.7pt;" valign="top" width="424">
<ol start="1" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l2 level1 lfo2; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Hak
mendapat keperluan asas</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: .9pt; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">makanan/pakaian</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="2" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l2 level1 lfo2; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Hak
mendapat keselamatan</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 72.9pt; mso-list: l0 level1 lfo1; tab-stops: list 72.9pt; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">dilindungi
daripada<span style="mso-spacerun: yes;"> </span>kesan yang boleh <span style="mso-spacerun: yes;"> </span>membahayakan<span style="mso-spacerun: yes;"> </span>kesihatan<span style="mso-spacerun: yes;">
</span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 72.9pt; mso-list: l0 level1 lfo1; tab-stops: list 72.9pt; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">contoh:
racun makhluk perosak / ubat-ubatan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="3" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l2 level1 lfo2; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Hak
mendapat maklumat</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 72.9pt; mso-list: l0 level1 lfo1; tab-stops: list 72.9pt; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">fakta<span style="mso-spacerun: yes;"> </span>lengkap<span style="mso-spacerun: yes;">
</span>sesuatu barang supaya<span style="mso-spacerun: yes;"> </span>tidak
tertipu</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="4" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l2 level1 lfo2; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Hak
membuat pilihan</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 72.9pt; mso-list: l0 level1 lfo1; tab-stops: list 72.9pt; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dapat
pelbagai barang berkualiti berdasarkan citarasa</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="5" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l2 level1 lfo2; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Hak
mendapat ganti rugi</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 72.9pt; mso-list: l0 level1 lfo1; tab-stops: list 72.9pt; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">berjumpa
sendiri dengan peniaga /mengadu kepada persatuan pengguna </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="6" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l2 level1 lfo2; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Hak
bersuara</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: .9pt; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">secara
peribadi /<span style="mso-spacerun: yes;"> </span>perwakilan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="7" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l2 level1 lfo2; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Hak
mendapat pendidikan pengguna</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: .9pt; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">melalui
ceramah / forum</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="8" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l2 level1 lfo2; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Hak
mendapat alam sekitar yang sihat </span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 72.9pt; mso-list: l0 level1 lfo1; tab-stops: list 72.9pt; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kerajaan
gubal akta seperti Akta Kualiti Alam Sekeliling 1974 / Akta Racun Mahkluk
Perosak 1974 </span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 5;">
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 32.1pt;" valign="top" width="43">
<div class="MsoNormal" dir="RTL" style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">6.</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 93.0pt;" valign="top" width="124">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Lima Tanggungjawab
pengguna</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 317.7pt;" valign="top" width="424">
<ol start="1" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l11 level1 lfo10; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kesedaran
mengkritik</span></i></b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></i></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 34.3pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>boleh membuat aduan </span></div>
<ol start="2" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l11 level1 lfo10; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Penglibatan
dan tindakan</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 52.3pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>bergiat
aktif dalam persatuan pengguna / khidmat sosial</span></div>
<ol start="3" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l11 level1 lfo10; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tanggungjawab
sosial</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 34.3pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>Memberi
derma kepada orang miskin/tua </span></div>
<ol start="4" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l11 level1 lfo10; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tanggungjawab
alam semulajadi</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 52.3pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>tidak
membuang sampah di merata tempat / tidak menebang pokok sesuka hati</span></div>
<ol start="5" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l11 level1 lfo10; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bersatu
padu</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 61.3pt; text-align: left; text-indent: -27.0pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>supaya
wujud kekuatan / pengaruh untuk jayakan perjuangan</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 6;">
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 32.1pt;" valign="top" width="43">
<div class="MsoNormal" dir="RTL" style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">7.</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 93.0pt;" valign="top" width="124">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Enam Tanggungjawab
pengeluar</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 317.7pt;" valign="top" width="424">
<div class="MsoNormal" style="direction: ltr; margin-left: 36.75pt; mso-list: l3 level1 lfo11; tab-stops: list 36.75pt; text-align: left; text-indent: -18.75pt; unicode-bidi: embed;">
<b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></i></b><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Praktikkan amalan perniagaan yang
baik</span></i></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: 16.3pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>tidak menipu/ jual barang berkualiti</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">b.</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> <b><i>Amal pengiklanan
yang beretika</i></b></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 52.3pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>iklan mesti
tepat / tidak mengaitkan jenama produk lain</span></div>
<ol start="3" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l8 level1 lfo3; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sedia
terima rungutan</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 34.3pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>kaunter khidmat pelanggan / kaunter aduan</span></div>
<ol start="4" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l8 level1 lfo3; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Membantu
menyebarkan pendidikan konsumerisme</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 34.3pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>melalui seminar/forum</span></div>
<ol start="5" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l8 level1 lfo3; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Memelihara
alam sekitar</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 52.3pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>menggurangkan
penggunaan bahan yang<span style="mso-spacerun: yes;"> </span>mencemarkan </span></div>
<ol start="6" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l8 level1 lfo3; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menjalankan
tanggungjawab sosial</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 34.3pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>memberi derma/ biasiswa </span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 7; mso-yfti-lastrow: yes;">
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 32.1pt;" valign="top" width="43">
<div class="MsoNormal" dir="RTL" style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">8.
</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 93.0pt;" valign="top" width="124">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Lima</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> prinsip asas<span style="mso-spacerun: yes;"> </span>membeli dengan bijak</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 317.7pt;" valign="top" width="424">
<ol start="1" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l5 level1 lfo4; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menentukan
jenis barang</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 34.3pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>barang keperluan atau kehendak</span></div>
<ol start="2" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l5 level1 lfo4; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menentukan
sebab membeli</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 34.3pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>untuk memenuhi keperluan/menunjuk-nunjuk</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">c<i>.</i></span></b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><b>Menentukan masa membeli</b></span></i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 34.3pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>masa tawaran istimewa/ musim perayaan </span></div>
<ol start="4" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l10 level1 lfo5; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Memilih
tempat membeli</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 34.3pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>lokasi berhampiran</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 34.3pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>menawarkan pelbagai barang </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 34.3pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>harga berpatutan dan barang berkualiti</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 34.3pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>sikap<span style="mso-spacerun: yes;">
</span>jujur dan layanan mesra</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 34.3pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>ada kemudahan seperti ruang makan/tandas </span></div>
<ol start="5" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l10 level1 lfo5; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mengetahui
teknik membeli</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 34.3pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>buat perbandingan harga</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 34.3pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>tengok kualiti barang</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 34.3pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>periksa kuantiti barang</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 34.3pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>tahu tarikh luput</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 34.3pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>ada jaminan jualan</span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 32.1pt;" valign="top" width="43">
<div class="MsoNormal" dir="RTL" style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">9.</span></div>
</td>
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 93.0pt;" valign="top" width="124">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Peranan kerajaan dalam
melindungi pengguna</span></div>
</td>
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 317.7pt;" valign="top" width="424">
<ol start="1" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l1 level1 lfo6; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tubuh
kementerian yang menjaga hal-ehwal pengguna</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 54.9pt; mso-list: l0 level1 lfo1; tab-stops: list 54.9pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">iaitu
Kementerian Perdagangan Dalam Negeri dan Hal-Ehwal Pengguna</span></div>
<ol start="2" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l1 level1 lfo6; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Beri
kesedaran tentang konsumerisme</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>melalui
ceramah /kempen</span></div>
<ol start="3" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l1 level1 lfo6; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Wujudkan
akta/peraturan</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 54.9pt; text-align: left; text-indent: -18.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Peraturan
Makanan 1985/Akta Perihal Dagangan 1972</span></div>
<ol start="4" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l1 level1 lfo6; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tubuh<span style="mso-spacerun: yes;"> </span>kementerian / jabatan untuk kuatkuasa
undang-undang</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Kementerian Kesihatan/Jabatan Alam
Sekitar</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 32.1pt;" valign="top" width="43">
<div class="MsoNormal" dir="RTL" style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">10.</span></div>
</td>
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 93.0pt;" valign="top" width="124">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Agensi lain<span style="mso-spacerun: yes;"> </span>dan peranannya dalam melindungi pengguna</span></div>
</td>
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 317.7pt;" valign="top" width="424">
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="1" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l6 level1 lfo7; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Majlis
Penasihat Pelindung Pengguna Kebangsaan (MPPPK) @ Majlis Pengguna</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 54.9pt; text-align: left; text-indent: -18.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Nasihat
kerajaan tentang hal-ehwal perlindungan pengguna</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 54.9pt; text-align: left; text-indent: -18.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Elakkan
penyelewengan dan ketidakadilan amalan perniagaan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 54.9pt; text-align: left; text-indent: -18.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Beri pendidikan
konsumerisme melalui risalah /tv</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 54.9pt; text-align: left; text-indent: -18.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Wujudkan<span style="mso-spacerun: yes;"> </span>petugas yang dapat bantu selesaikan isu-isu
kepenggunaan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Menerbitkan Kod Etika Amalan Perniagaan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="2" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l6 level1 lfo7; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tribunal
Tuntutan Pengguna</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 54.9pt; text-align: left; text-indent: -18.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Mudahkan
pengguna membuat tuntuan gantirugi dengan cepat ,mudah dan murah</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 54.9pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Jadi
saluran alternatif selain Mahkamah Sivil untuk menuntut gantirugi</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 54.9pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Dengar
jumlah tuntutan yang tidak melebihi RM10,000</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="3" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l6 level1 lfo7; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Persatuan
Pengguna</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Terima dan siasat aduan <span style="mso-spacerun: yes;"> </span>pengguna</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 63.9pt; text-align: left; text-indent: -27.0pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Jalankan
penyelidikan dari segi kualiti/keselamatan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Beri laporan melalui <span style="mso-spacerun: yes;"> </span>penerbitan majalah/berita</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 63.9pt; text-align: left; text-indent: -27.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Adakan
pendidikan kepenggunaan melalui bengkel/forum</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="4" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l6 level1 lfo7; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Persatuan
Pengeluar</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 54.9pt; text-align: left; text-indent: -18.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Pastikan
ahli mematuhi kod etika <span style="mso-spacerun: yes;"> </span>berkaitan
dengan pengeluaran/persaingan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 54.9pt; text-align: left; text-indent: -18.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Adakan
kempen membeli barang buatan tempatan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="5" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l6 level1 lfo7; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Persatuan
Profesional</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 54.9pt; text-align: left; text-indent: -18.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Pastikan<span style="mso-spacerun: yes;"> </span>ahli patuhi garis panduan profesion
masing-masing</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="6" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l6 level1 lfo7; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Persatuan
Peniaga</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 54.9pt; text-align: left; text-indent: -18.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Ingatkan
peniaga agar mematuhi peraturan yang berkaitan dengan perlindungan pengguna /
<span style="mso-spacerun: yes;"> </span>jujur dengan pengguna</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Sediakan kod etika mengenai jualan</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 32.1pt;" valign="top" width="43">
<div class="MsoNormal" dir="RTL" style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">11.</span></div>
</td>
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 93.0pt;" valign="top" width="124">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Etika Amalan Perniagaan</span></div>
</td>
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 317.7pt;" valign="top" width="424">
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">diperkenalkan
tahun 1982</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">digubal
oleh Majlis<span style="mso-spacerun: yes;"> </span>Penasihat Pelindung
Pengguna Kebangsaan (MPPPK)</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">bertujuan
mewujudkan perpaduan di kalangan<span style="mso-spacerun: yes;">
</span>peniaga, pengeluar, pengguna dan kerajaan </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mempunyai
5 prinsip:</span></div>
<ol start="1" style="margin-top: 0in;" type="a"><ul style="margin-top: 0in;" type="square">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l7 level2 lfo12; tab-stops: list 1.0in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kenalpasti
dan akui <span style="mso-spacerun: yes;"> </span>hak-hak pengguna</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l7 level2 lfo12; tab-stops: list 1.0in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tidak
menyampaikan maklumat yang mengelirukan</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l7 level2 lfo12; tab-stops: list 1.0in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Patuhi
prinsip perniagaan secara adil</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l7 level2 lfo12; tab-stops: list 1.0in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tidak
burukkan pesaing</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l7 level2 lfo12; tab-stops: list 1.0in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Amal
perniagaan yang jujur</span></li>
</ul>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mengandungi
<span style="mso-spacerun: yes;"> </span>Etika Penjual dan Etika Pembeli</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3; mso-yfti-lastrow: yes;">
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 32.1pt;" valign="top" width="43">
<div class="MsoNormal" dir="RTL" style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">12.</span></div>
</td>
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 93.0pt;" valign="top" width="124">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Etika Pembeli</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">(mengandungi dua
tanggungjawab pembeli)</span></div>
</td>
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 317.7pt;" valign="top" width="424">
<ol start="1" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l9 level1 lfo9; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tanggungjawab
terhadap penjual</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>patuhi syarat kontrak</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>jelaskan hutang mengikut tempoh </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 63.9pt; text-align: left; text-indent: -27.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>tidak boleh
paksa penjual sediakan perkhidmatan yang melebihi bayaran </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 63.9pt; text-align: left; text-indent: -27.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>tidak
menawarkan harga <span style="mso-spacerun: yes;"> </span>terlalu rendah
sehingga <span style="mso-spacerun: yes;"> </span>peniaga rugi</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 63.9pt; text-align: left; text-indent: -27.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>tidak kembalikan
barang tanpa alasan yang kukuh/ tanpa tunjuk kad jaminan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>amalkan sifat sopan santun</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 63.9pt; text-align: left; text-indent: -27.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>beri
pandangan<span style="mso-spacerun: yes;"> </span>untuk tingkatkan kualiti
barang</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="2" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l9 level1 lfo9; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tanggungjawab
terhadap masyarakat</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>libatkan diri dalam persatuan pengguna </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 63.9pt; text-align: left; text-indent: -27.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>jaga persekitaran
tempat tinggal/ pelihara alam sekitar</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 36.9pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>elak aktiviti pembakaran secara terbuka/
yang cemarkan alam sekitar</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 36.9pt; text-align: left; text-indent: -18.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>tidak sebarkan
khabar angin seperti kenaikan harga barang/ kekurangan bekalan</span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; mso-padding-alt: 0in 5.4pt 0in 5.4pt;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0; mso-yfti-lastrow: yes;">
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 32.1pt;" valign="top" width="43">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" dir="RTL" style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">13.</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 93.0pt;" valign="top" width="124">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Etika Penjual</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">(Mengandungi enam
tanggungjawab penjual) </span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 317.7pt;" valign="top" width="424">
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="1" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l4 level1 lfo8; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tanggungjawab
terhadap pekerja</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 54.9pt; text-align: left; text-indent: -18.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>jaga
kebajikan pekerja dengan kemudahan tempat tinggal/pengangkutan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 54.9pt; text-align: left; text-indent: -18.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>beri
bimbingan /latihan untuk meningkatkan produktiviti</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>memberi ganjaran setimpal seperti gaji/bonus</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="2" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l4 level1 lfo8; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tanggungjawab
terhadap pelanggan</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>sediakan barang berkualiti</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>sentiasa berusaha tingkatkan kualiti
barang</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>tepati keperluan dan kehendak pengguna</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>jual barang pada harga berpatutan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>bermaklumat <span style="mso-spacerun: yes;"> </span>yang lengkap</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>adakan kempen promosi yang jujur</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 63.9pt; text-align: left; text-indent: -27.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>sediakan
khidmat lepas jualan / khidmat nasihat</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>beri layanan sama rata</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="3" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l4 level1 lfo8; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tanggungjawab
terhadap pemodal</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>maklumkan kedudukan pelaburan /
perniagaan </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>beri kadar pulangan yang memuaskan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>jalankan pengurusan yang cekap</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="4" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l4 level1 lfo8; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tanggungjawab
terhadap pembekal</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>layanan adil kepada semua pembekal</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>patuhi segala<span style="mso-spacerun: yes;"> </span>syarat kontrak</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>berusaha jual barang <span style="mso-spacerun: yes;"> </span>dengan segera</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>amalkan ‘sistem payung’</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>pastikan syarat kontrak <span style="mso-spacerun: yes;"> </span>jelas</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="5" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l4 level1 lfo8; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tanggungjawab
terhadap masyarakat</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>pelihara alam sekitar</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>guna sumber yang manfaatkan masyarakat</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 54.9pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>beri sumbangan kepada pembangunan /
penyelidikan melalui <span style="mso-spacerun: yes;"> </span>biasiswa /
subsidi</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="6" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l4 level1 lfo8; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tanggungjawab
terhadap kerajaan</span></i></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>bayar cukai</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>sedia peluang pekerjaan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 54.9pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>guna sumber
bahan mentah tempatan dengan cekap </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 54.9pt; text-align: left; text-indent: -18.9pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>adakan rundingan
dengan kerajaan mengenai penggubalan / perlaksanaan <span style="mso-spacerun: yes;"> </span>dasar</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
</td>
</tr>
</tbody></table>
Anonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.comtag:blogger.com,1999:blog-676102689851723818.post-29659826262632212062013-07-30T03:05:00.004-07:002013-07-30T03:05:53.680-07:00Bab 7 : Peranan kerajaan dalam perniagaan<!--[if gte mso 9]><xml>
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<u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 18.0pt; mso-bidi-font-weight: bold;">PERANAN KERAJAAN</span></u></div>
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<b style="mso-bidi-font-weight: normal;"><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">PERANAN
KERAJAAN BAGI MEMBANTU PENIAGA</span></i></b></div>
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penyelidikan dan pembangunan</span></b></li>
</ol>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">MARDI
<span style="mso-tab-count: 1;"> </span><span style="mso-tab-count: 4;"> </span>-<span style="mso-spacerun: yes;"> </span>dibidang pertanian</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">LEMBAGA
GETAH MALAYSIA
(MRB)<span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;"> </span>untuk getah</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">LEMBAGA
MINYAK SAWIT MALAYSIA
(MPOB) – industri sawit</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">SIRIM<span style="mso-tab-count: 2;"> </span>-<span style="mso-spacerun: yes;">
</span>untuk industri teknologi tinggi</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">FRIM<span style="mso-tab-count: 2;"> </span>-<span style="mso-spacerun: yes;">
</span>untuk perhutanan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l0 level1 lfo9; tab-stops: list 1.0in; text-align: justify; text-indent: -.75in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">LKIM<span style="mso-tab-count: 2;"> </span>-<span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>untuk ikan</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<ol start="2" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l6 level1 lfo1; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menyediakan
perundangan perniagaan</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Contoh akta:</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level1 lfo2; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Akta
Jualan Barangan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level1 lfo2; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Akta
Sewa Beli</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level1 lfo2; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Akta
Perihal Dagangan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level1 lfo2; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Akta
Kawalan Harga</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level1 lfo2; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Akta
Timbang dan Sukat</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<ol start="3" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l6 level1 lfo1; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menyediakan
Latihan dan Pengurusan</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l8 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: .25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Supaya
peniaga berkemahiran dan cekap</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 2;"> </span>Contoh
Agensi:</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l8 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: .25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">MARA</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l8 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: .25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">NPC
– Perbadanan produktiviti</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<ol start="4" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l6 level1 lfo1; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menyediakan
kemudahan<span style="mso-spacerun: yes;"> </span>infrastruktur<span style="mso-spacerun: yes;"> </span>dan ruang niaga</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Contoh :</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l2 level1 lfo4; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menyediakan
bekalan elektrik/air/telefon</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l2 level1 lfo4; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bazar/ruang
niaga/kilang untuk disewa</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Contoh Agensi:</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l4 level1 lfo5; tab-stops: list .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">MARA</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l4 level1 lfo5; tab-stops: list .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">UDA
HOLDING</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l4 level1 lfo5; tab-stops: list .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">PKEN</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<ol start="5" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l6 level1 lfo1; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Memberi
Insentif Pelepasan Cukai</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level1 lfo6; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Taraf
perintis –pengecualian cukai untuk tempoh tertentu</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level1 lfo6; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pengecualian
cukai –tak perlu bayar cukai</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level1 lfo6; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Elaun
cukai pelaburan</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<ol start="6" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l6 level1 lfo1; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menyediakan
Kemudahan Pembiayaan</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l7 level1 lfo7; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Memberi
bantuan modal /pinjaman</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>Contoh Agensi : MARA</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l7 level1 lfo7; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bank
Pertanian / Bank Pembangunan dan Infrastruktur</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<ol start="7" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l6 level1 lfo1; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Lawatan
Dagangan Keluar Negara</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l1 level1 lfo8; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Untuk
megadakan hubungan 2 hala</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l1 level1 lfo8; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Buat
perjanjian dagangan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>Contoh Agensi: MATRADE / MITI</span></div>
Anonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.comtag:blogger.com,1999:blog-676102689851723818.post-36203119976008064962013-07-30T03:05:00.002-07:002013-07-30T03:05:44.801-07:00Bab 6 : Promosi<!--[if gte mso 9]><xml>
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<br />
<div align="center" class="MsoNormal" style="direction: ltr; text-align: center; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 18.0pt;">PROMOSI</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Tahoma","sans-serif"; font-size: 18.0pt; mso-ansi-language: EN-US;"></span></u></b></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l15 level1 lfo1; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">Maksud Promosi</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">satu
proses memberitahu , memujuk dan mempengaruhi pelanggan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menyedarkan
pengguna tentang barangan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menjadikan
pengguna setia kepada barangan yang ditawarkan</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l15 level1 lfo1; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">Peranan Promosi</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menyampaikan maklumat</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">memberitahu kewujudan barang
dipasaran</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">maklumat spesifikasi barang, kegunaan,
harga dan pengeluar</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 8.0pt;"><span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mewujudkan pasaran baru</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menyedarkan pengguna tentang barang
baru</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menarik minat membeli dan mengguna</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mengekalkan pasaran sedia
ada</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mengingatkan pengguna kepada jenama</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mewujudkan pengguna setia</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Meningkatkan dan meluaskan
pasaran</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">membantu penyebaran maklumat kepada
lebih ramai pengguna</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menggunakan media yang liputan
siarannya luas</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Memujuk dan mempengaruhi
pembeli</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menggunakan aktiviti dan teknik
promosi yang menarik </span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Memantapkan imej barang
dan syarikat</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">barang menjadi lebih popular dan
mendapat perhatian kerana dikaitkan dengan imej pengguna </span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mengatasi pesaing</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mengelakkan pengguna sedia ada dan
baru mudah lupa dan beralih menggunakan barangan pesaing</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l15 level1 lfo1; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">Promosi dalam Pemasaran.</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Strategi Pemasaran </span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l1 level1 lfo2; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sasaran pasaran</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> <span style="mso-tab-count: 1;"> </span>– kumpulan pengguna yang cuba dipengaruhi</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l1 level1 lfo2; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Campuran pemasaran</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> <span style="mso-tab-count: 1;"> </span>– gabungan unsur penting pemasaran</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l1 level2 lfo2; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Produk</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>– menghasilkan barang berorientasi pengguna <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span></span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menepati cita rasa, keperluan
dan kehendak <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>pengguna </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l1 level2 lfo2; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Harga</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-spacerun: yes;"> </span>disesuaikan
mengikut keadaan pelanggan, <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span></span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">persaingan, kos
pengeluaran dan keuntungan<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>yang ingin diperolehi</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l1 level2 lfo2; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Promosi</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- ditumpukan kepada kumpulan sasaran <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span></span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menyedarkan pengguna
tentang kewujudan <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>barang menyampaikan
maklumat, menarik<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>perhatian, meyakinkan dan mempengaruhi<span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>pengguna</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l1 level2 lfo2; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Agihan</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- dihantar tepat pada masa ke tempat <span style="mso-tab-count: 3;"> </span>barang diperlukan.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l15 level1 lfo1; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">Jenis Promosi.</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pengiklanan</span></u></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l15 level3 lfo1; tab-stops: list 117.0pt; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Memperkenalkan
barangan baru</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l15 level3 lfo1; tab-stops: list 117.0pt; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mengingati
sesuatu barangan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l15 level3 lfo1; tab-stops: list 117.0pt; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mengekalkan
pasaran barangan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l15 level3 lfo1; tab-stops: list 117.0pt; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Barangan
lebih popular</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l15 level3 lfo1; tab-stops: list 117.0pt; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Imej
yang lebih baik</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l15 level3 lfo1; tab-stops: list 117.0pt; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mempengaruhi,
memberitahu dan memujuk pengguna</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l15 level3 lfo1; tab-stops: list 117.0pt; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mendapatkan
maklumat sesuatu barangan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 99.0pt; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l15 level4 lfo1; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Iklan berkesan mempunyai
unsur pujukan menjadi <b style="mso-bidi-font-weight: normal;">gaya</b><b style="mso-bidi-font-weight: normal;"> tarikan yang dirancang</b> dalam sesuatu
mesej iklan.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l15 level4 lfo1; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">3
jenis gaya
tarikan iklan</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; mso-list: l15 level5 lfo1; tab-stops: list 2.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pujukan
Rasioal</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- Mengaitkan sesuatu pembelian dengan
</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>kepentingan peribadi pembeli. </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- Pembelian barang dikatakan lebih </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>berfaedah, berkualiti, bernilai, </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>kesihatan, penjimatan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; mso-list: l4 level1 lfo3; tab-stops: list 2.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pujukan
emosi</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- Menimbulkan perasaan positif
supaya<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>orang ramai terdorong membeli. </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- Mesej iklan ada unsur rasa kasih </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>sayang, takut, malu, bangga, gembira,<span style="mso-spacerun: yes;">
</span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>mengikis perasaan bimbang</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; mso-list: l4 level1 lfo3; tab-stops: list 2.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pujukan
moral</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- Sikap orang ramai tentang perkara </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>yang benar dan lebih wajar dilakukan. </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- Mesej iklan <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>tentang kebersihan alam sekitar, perpaduan, <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span>persamaan hak, amalan tolong-menolong</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l3 level1 lfo4; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jenis
Iklan</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; mso-list: l4 level1 lfo3; tab-stops: list 2.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Iklan
penerangan</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>memperkenal jenama baru dipasaran</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>ada maklumat harga, kegunaan, cara guna, <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>keistimewaan barangan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>elak keraguan pengguna</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; mso-list: l4 level1 lfo3; tab-stops: list 2.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Iklan
memujuk</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>persaingan sesuatu barangan semakin </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>hebat di pasaran</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>bentuk keyakinan pengguna</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>terang kelebihan jenama, bandingkan </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>dengan jenama lain </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;">
</span>menjadi iklan bertanding</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; mso-list: l4 level1 lfo3; tab-stops: list 2.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Iklan
mengingat</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>pengguna sentiasa mengingat sesuatu<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>jenama</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>disiarkan berulang-ulang </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>barangan telah lama di pasaran</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>- <b style="mso-bidi-font-weight: normal;"><u>Promosi Jualan</u></b></span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l10 level1 lfo5; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cara
galakan jualan bagi tempoh yang singkat</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l10 level1 lfo5; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">bantu
tarik pelanggan baru</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l10 level1 lfo5; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">galakkan
pengguna membeli</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l10 level1 lfo5; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">barangan
dikenali, kekal dan atasi pesaing</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l10 level2 lfo5; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Promosi
Pengguna</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- </span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>mendorong pengguna membeli</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>pengguna ditawarkan sample percuma, kupon </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>hadiah, potongan harga,
pertandingan</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l5 level1 lfo6; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Promosi
pengedar</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>pemberian insentif kepada pemborong dan </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>peruncit supaya menambah
pengedaran dan<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>jualan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>pengedar ditawarkan diskaun, barang </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>percuma, hadiah wang,
pertandingan jualan</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l5 level1 lfo6; tab-stops: list 2.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Promosi
jualan</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span></span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">galakkan jurujual menjual secara lebih </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>berkesan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>insentif diberi – bonus, komisen, peraduan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-spacerun: yes;"> </span>tempoh promosi jangka masa pendek</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l15 level2 lfo1; tab-stops: list 1.0in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jualan Terus</span></u></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l9 level1 lfo7; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kaedah
promosi sesuatu barangan secara peribadi</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l9 level1 lfo7; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">melalui
jurujual</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l9 level1 lfo7; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">caranya
– system parti, pergi dari rumah ke rumah</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">wakil
syarikat menerangkan, memujuk, meyakinkan pengguna</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">jurujual
diberi komisen, diakaun</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">jurujual
dan pengguna berkomunikasi dua hala</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">pengguna
Dapat layanan peribadi</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">jurujual
Sesuaikan cara penyampaian maklumat, teknik memujuk</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">jurujual
tahu reaksi pengguna</span></div>
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<br /></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Publisiti</span></u></b></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Penyebaran
maklumat menerusi media secara percuma</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bayaran
siaran ditanggung oleh syarikat media </span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pengeluar
tidak tanggung kos penyiaran</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tujuan
beritahu barangan baru, keistimewaan</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Maklumat
dikawal syarikat media</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kelebihan
- Jimatkan kos promosi, lebih diyakini, liputan lebih luas, jalin hubungan baik
dengan orang ramai</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kelemahan
– berita terhad, maklumat tak jelas, kritikan media, masa siaran tidak sesuai,
sukar dirancang</span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">5. MEDIA
PENGIKLANAN</span></b></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">JENIS MEDIA PENGIKLANAN</span></i></b></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">AKHBAR/MAJALAH</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Liputan
lebih luas</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> murah berbanding yang
lain</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
sertakan gambar/peneranan</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
dibuat secara warna warni</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
dibaca berulang kali</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
pilih ruang/mukasurat</span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">HALAMAN
KUNING</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Ruang
iklan di buku panduan telefon</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mudah
untuk pelanggan</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Disusun
ikut abjad</span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">TELEVISYEN</span></b></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l7 level1 lfo12; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Liputan luas</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l7 level1 lfo12; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Ada</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> gambar dan
penerangan lengkap</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l7 level1 lfo12; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh diselitkan muzik</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l7 level1 lfo12; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Lebih berkesan sebab audio visual</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l7 level1 lfo12; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh pilih masa siaran</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l7 level1 lfo12; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh menaja rancangan</span></li>
</ul>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">POSTER/PAPAN
TANDA/ SEPANDUK</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> murah</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menarik
perhatian pengguna</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
pilih sasaran pasaran</span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">RADIO</span></b></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Liputan
luas</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo13; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Penerangan
lengkap</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
diselitkan muzik</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
disiarkan bila-bila masa</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
taja rancangan</span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">INTERNET</span></b></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Liputan
luas ke selruruh dunia</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
masukkan kesan animasi/audio visual</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
terus pesan barang on line</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> murah jika pandai bina
laman web sendiri</span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">LAMPU
NEON</span></b></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cantik
dan menarik</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jelas
pada waktu malam</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
jadi pandu arah kepada pengguna</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
guna untuk tempoh lama</span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">PAMERAN/EKSPO</span></b></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sampai
ke sasaran pengguna </span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pengguna
boleh cuba
barang dan Tanya</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
kesan masalah pengguna</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Hubungan
2 hala dengan pelanggan</span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">PEMILIHAN MEDIA
PENGIKLANAN</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">Faktor
Pemilihan Media Pengiklanan</span></i></b></div>
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<br /></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jenis dan sifat barangan</span></b></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>barangan
teknikal<span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;"> </span>televisyen, pameran, internet</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 3;"> </span><span style="mso-tab-count: 1;"> </span>- <span style="mso-spacerun: yes;"> </span>perlu penerangan dan tunjuk ajar</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>barangan
baru<span style="mso-tab-count: 1;"> </span>- sampel percuma</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>barang
perhiasan<span style="mso-tab-count: 1;"> </span>- majallah wanita</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>perkakas
dapur<span style="mso-tab-count: 1;"> </span>- pameran, ekspo</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 3;"> </span><span style="mso-tab-count: 1;"> </span>- perlu tunjuk ajar jurujual</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>perkhidmatan
pelancongan – iklan akhbar/risalah</span></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">
Pengiklanan</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>ikut kemampuan peniaga</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>peniaga kecil-kecilan<span style="mso-tab-count: 1;"> </span>- media murah</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 4;"> </span><span style="mso-tab-count: 1;"> </span>- papan tanda/risalah</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>syarikat besar<span style="mso-tab-count: 2;"> </span>- media mahal</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 4;"> </span><span style="mso-tab-count: 1;"> </span>- televisyen/ akhbar/ majalah</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tujuan Pengiklanan</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-bidi-font-weight: bold;">*</span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span></span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">akhbar<span style="mso-tab-count: 1;"> </span>- matlamat sampaikan maklumat ke
seluruh <span style="mso-tab-count: 3;"> </span><span style="mso-tab-count: 1;"> </span>negara</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 2;"> </span><span style="mso-tab-count: 1;"> </span>- barangan baru</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>sampel percuma dan borang maklum balas</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>- ingin tahu sambutan orang ramai</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>televisyen/radio/internet</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>- untuk atasi pesaing</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>- menarik dan liputan luas</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Saiz Perniagaan</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>syarikat besar<span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>- media mahal</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>- televisyen/akhbar</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>perniagaan
kecil-kecilan<span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-
media murah</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-
risalah/poster/sepanduk</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l8 level1 lfo9; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sasaran Pengguna</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>golongan
pengguna yang diharapkan membeli</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>sampai
mesej kepada golongan yang betul</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>peralatan
sukan<span style="mso-tab-count: 1;"> </span>- majalah sukan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>barang
kemas<span style="mso-tab-count: 1;"> </span>- majallah wanita</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l8 level1 lfo9; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Luas Pasaran</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>barangan
pasaran <span style="mso-tab-count: 1;"> </span>- risalah/papan </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>setempat<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>tanda/poster/sepanduk</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>pasaran
seluruh negara<span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-
televisyen/akhbar negara</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>pasaran
antarabangsa<span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-
televisyen setelit/internet </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;">
</span><span style="mso-tab-count: 1;"> </span>- majallah antarabangsa</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l8 level1 lfo9; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dasar Kerajaan</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>peraturan
mesti dipatuhi</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>penentuan
saiz, kandungan, jenis iklan, </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>arak
dan rokok dilarang dalam iklan tv</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">*<span style="mso-tab-count: 1;"> </span>dapat
kebenaran – Akta Kerajaan Tempatan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: left; unicode-bidi: embed;">
<br /></div>
Anonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.comtag:blogger.com,1999:blog-676102689851723818.post-83520395801340313912013-07-30T03:00:00.005-07:002013-07-30T03:00:55.743-07:00Bab 5 : Pergudangan<!--[if gte mso 9]><xml>
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<h1 align="center" style="text-align: center;">
<u><span style="font-family: "Tahoma","sans-serif"; font-size: 18.0pt;">PERGUDANGAN</span></u></h1>
<div class="MsoNormal" dir="RTL">
<br /></div>
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; mso-padding-alt: 0in 5.4pt 0in 5.4pt;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 23.4pt;" valign="top" width="31">
<div align="center" class="MsoNormal" dir="RTL" style="text-align: center;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">1.</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Maksud pergudangan</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 4.45in;" valign="top" width="427">
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">aktiviti
simpan barang sebelum di bawa ke pasaran</span></div>
<div class="MsoNormal" dir="RTL" style="margin-right: .25in;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 23.4pt;" valign="top" width="31">
<div align="center" class="MsoNormal" dir="RTL" style="text-align: center;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">2.</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Enam peranan pergudangan</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 4.45in;" valign="top" width="427">
<ol start="1" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l0 level1 lfo2; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jamin
bekalan barang berterusan</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">bagi
barang bermusim seperti padi</span></div>
<div class="MsoNormal" dir="RTL" style="margin-right: .25in;">
<br /></div>
<ol start="2" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l0 level1 lfo2; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bantu
stabilkan harga barang</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">selaraskan
permintaan dan penawaran</span></div>
<div class="MsoNormal" dir="RTL" style="margin-right: .25in;">
<br /></div>
<ol start="3" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l0 level1 lfo2; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Elakkan
kerosakan dan pembaziran</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">barang
mudah rosak seperti ikan/ daging dapat disimpan dalam gudang penyetoran sejuk</span></div>
<div class="MsoNormal" dir="RTL" style="margin-right: .25in;">
<br /></div>
<ol start="4" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l0 level1 lfo2; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jamin
keselamatan barang</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">gudang
dilengkapi dengan alat penggera kecurian/kebakaran</span></div>
<div class="MsoNormal" dir="RTL" style="margin-right: .25in;">
<br /></div>
<ol start="5" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l0 level1 lfo2; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bolehkan
aktiviti pecah pukal dilakukan</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">seperti
menyukat/menggred</span></div>
<div class="MsoNormal" dir="RTL" style="margin-right: .25in;">
<br /></div>
<ol start="6" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l0 level1 lfo2; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Membantu
perniagaan antarabangsa</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">tempat
simpanan sementara untuk barang import @eksport/<span style="mso-spacerun: yes;"> </span>simpan barang import yang cukainya belum
dibayar</span></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 23.4pt;" valign="top" width="31">
<div align="center" class="MsoNormal" dir="RTL" style="text-align: center;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">3.</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kelebihan gudang
berbon<span style="mso-spacerun: yes;"> </span>kepada peniaga </span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 4.45in;" valign="top" width="427">
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
tangguhkan pembayaran cukai<span style="mso-spacerun: yes;"> </span>import</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
bayar cukai secara beransur-ansur</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Elakkan
modal pusingan terikat dengan stok</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
cagarkan barang untuk<span style="mso-spacerun: yes;"> </span>pinjaman</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3; mso-yfti-lastrow: yes;">
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 23.4pt;" valign="top" width="31">
<div align="center" class="MsoNormal" dir="RTL" style="text-align: center;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">4.</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kelebihan gudang berbon
kepada kerajaan</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 4.45in;" valign="top" width="427">
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mudahkan
kutipan cukai</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menjadi
sumber maklumat kepada data import dan eksport</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">dapat
atasi masalah elak cukai dan penyeludupan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">dapat
kawal kemasukan barang larangan </span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; mso-padding-alt: 0in 5.4pt 0in 5.4pt;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 23.4pt;" valign="top" width="31">
<div align="center" class="MsoNormal" dir="RTL" style="text-align: center;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">5.</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Enam ciri gudang yang
baik</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 4.45in;" valign="top" width="427">
<ol start="1" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l3 level1 lfo3; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Lokasi
strategik</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">berhampiran
dengan pembekal/peruncit</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">terletak<span style="mso-spacerun: yes;"> </span>di lapangan terbang / pelabuhan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">terletak
di tempat<span style="mso-spacerun: yes;"> </span>mempunyai sistem
pengangkutan/komunikasi yang baik</span></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<ol start="2" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l3 level1 lfo3; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Ruang
yang mencukupi dan susun atur yang kemas</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mudah
lakukan aktiviti pecah pukal</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mudah
guna kenderaan pengangkut seperti fork-lift</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mudah
pembeli meneliti barang yang dipamerkan</span></div>
<div class="MsoNormal" dir="RTL" style="margin-right: .25in;">
<br /></div>
<ol start="3" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l3 level1 lfo3; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mempunyai
peralatan<span style="mso-spacerun: yes;"> </span>mencukupi/canggih</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">seperti<span style="mso-spacerun: yes;"> </span>trak angkut susun (fork-lift)/tali sawat
penyampai (conveyor belt)</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">d.<span style="mso-spacerun: yes;"> </span><b>Mempunyai ciri keselamatan</b></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">seperti<span style="mso-spacerun: yes;"> </span>sistem penggera kebakaran/alat pencegah
kecurian </span></div>
<div class="MsoNormal" dir="RTL" style="margin-right: .25in;">
<br /></div>
<ol start="5" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l2 level1 lfo4; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pengurusan
gudang<span style="mso-spacerun: yes;"> </span>yang cekap </span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mempunyai
kakitangan yang mahir</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mempunyai
sistem maklumat berkomputer</span></div>
<div class="MsoNormal" dir="RTL" style="margin-right: .25in;">
<br /></div>
<ol start="6" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l2 level1 lfo4; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kesesuaian
gudang dengan jenis barang</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">barang
mudah rosak seperti ais krim /ikan disimpan dalam gudang penyetoran sejuk</span></div>
<div class="MsoNormal" dir="RTL" style="margin-right: .25in;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1; mso-yfti-lastrow: yes;">
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 23.4pt;" valign="top" width="31">
<div align="center" class="MsoNormal" dir="RTL" style="text-align: center;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">6.</span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 99.0pt;" valign="top" width="132">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jenis gudang </span></div>
</td>
<td style="padding: 0in 5.4pt 0in 5.4pt; width: 4.45in;" valign="top" width="427">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>Rujuk Jadual Jenis Gudang</span></b></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoCaption">
<br /></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoCaption">
<br /></div>
<div class="MsoCaption">
<u><span style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">Jenis
Gudang</span></u></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; margin-left: -12.6pt; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-table-layout-alt: fixed; width: 636px;">
<tbody>
<tr style="height: 28.75pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid windowtext 1.0pt; height: 28.75pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: .5in;" valign="top" width="48">
<div align="center" class="MsoNormal" dir="RTL" style="text-align: center;">
<b><span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bil</span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 28.75pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="top" width="108">
<div align="center" class="MsoNormal" dir="RTL" style="text-align: center;">
<b><span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jenis</span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 28.75pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.5in;" valign="top" width="144">
<div align="center" class="MsoNormal" dir="RTL" style="text-align: center;">
<b><span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Milikan</span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 28.75pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.75in;" valign="top" width="168">
<div align="center" class="MsoNormal" dir="RTL" style="text-align: center;">
<b><span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Lokasi</span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 28.75pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.75in;" valign="top" width="168">
<div align="center" class="MsoNormal" dir="RTL" style="text-align: center;">
<b><span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jenis barang
yang disimpan</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: .5in;" valign="top" width="48">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">1.</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="top" width="108">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Gudang pengilang</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.5in;" valign="top" width="144">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pengilang</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.75in;" valign="top" width="168">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Berhampiran<span style="mso-spacerun: yes;"> </span>kilang</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.75in;" valign="top" width="168">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bahan mentah dan barang
siap</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: .5in;" valign="top" width="48">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">2.</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="top" width="108">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Gudang pemborong</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.5in;" valign="top" width="144">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pemborong</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.75in;" valign="top" width="168">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Berhampiran pembekal/peruncit</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.75in;" valign="top" width="168">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Barang siap yang dibeli
secara pukal</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: .5in;" valign="top" width="48">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">3.</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="top" width="108">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Gudang peruncit</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.5in;" valign="top" width="144">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Peruncit besar-besaran
seperti<span style="mso-spacerun: yes;"> </span>pasar raya/ gedung<span style="mso-spacerun: yes;"> </span>aneka jabatan</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.75in;" valign="top" width="168">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Berhampiran<span style="mso-spacerun: yes;"> </span>premis perniagaannya</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.75in;" valign="top" width="168">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Barang siap yang dibeli
secara pukal</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: .5in;" valign="top" width="48">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">4. </span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="top" width="108">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Gudang<span style="mso-spacerun: yes;"> </span>kerajaan</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.5in;" valign="top" width="144">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Agensi kerajaan seperti
Lembaga Pemasaran Pertanian<span style="mso-spacerun: yes;">
</span>Persekutuan (FAMA) / Lembaga Kemajuan Ikan Malaysia (LKIM) / Padiberas
Nasional Berhad (BERNAS)</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.75in;" valign="top" width="168">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Terletak di kawasan yang
sesuai dengan penubuhannya .</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Contoh: Gudang FAMA di
kawasan pertanian/ Gudang LKIM di kawasan pendaratan ikan/ gudang BERNAS di
kawasan penanaman padi</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.75in;" valign="top" width="168">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Barang-barang yang
berkaitan dengan agensi tersebut.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Contoh: </span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Gudang FAMA – barang
pertanian/ Gudang LKIM – ikan/ Gudang BERNAS - beras</span></div>
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<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">5.</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Gudang berbon</span></div>
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<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.5in;" valign="top" width="144">
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Gudang kastam – milik
kerajaan </span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Gudang berlesen – milik
swasta</span></div>
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<br /></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Di lapangan terbang
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<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Barang bercukai yang belum
dijelaskan cukainya</span></div>
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<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: .5in;" valign="top" width="48">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">6.</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Penyetoran Sejuk</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pengeluar/ pemborong/
syarikat swasta / agensi kerajaan</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Berhampiran dengan
tempat pengeluaran/ di lapangan terbang/ pelabuhan</span></div>
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<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.75in;" valign="top" width="168">
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Barang mudah rosak
seperti ikan /daging</span></div>
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<br /></div>
<div align="center" class="MsoNormal" dir="RTL" style="text-align: center;">
<br /></div>
<div align="center" class="MsoNormal" dir="RTL" style="text-align: center;">
<br /></div>
Anonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.comtag:blogger.com,1999:blog-676102689851723818.post-51426081013332148692013-07-30T03:00:00.000-07:002013-07-30T03:00:03.042-07:00Bab 4 : Komunikasi<!--[if gte mso 9]><xml>
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<br />
<div align="center" class="MsoNormal" style="direction: ltr; text-align: center; unicode-bidi: embed;">
<u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 18.0pt;">KOMUNIKASI</span></u></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">PERANAN KOMUNIKASI</span></b></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l8 level1 lfo2; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Memudah dan mempercepatkan
proses penyebaran maklumat.</span></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l8 level2 lfo2; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Contoh
: maklumat turun naik harga saham mudah diketahui dengan menggunakan komputer,
telefon dan internet.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<ol start="2" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l8 level1 lfo2; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Memudahkan peniaga menjalankan
aktiviti perniagaan.</span></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l8 level2 lfo2; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Contoh
: urusan jual beli barangan boleh dilakukan dengan menggunakan telefon,
telefeks atau internet.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<ol start="3" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l8 level1 lfo2; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Memudahkan kegiatan promosi.</span></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l8 level2 lfo2; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Contoh
: Televisyen merupakan media utama pengiklanan kerana dapat menarik minat ramai
penonton.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<ol start="4" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l8 level1 lfo2; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Meluaskan pasaran barangan.</span></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l8 level2 lfo2; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Contoh
: Perkhidmatan telefon memudahkan proses jual beli jarak <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>jauh.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<ol start="5" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l8 level1 lfo2; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Memudahkan pentadbiran dan
pengurusan.</span></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l8 level2 lfo2; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Contoh
: bagi syarikat yang mempunyai banyak cawangan di merata negeri boleh
mengadakan mesyuarat secara langsung antara pengurus cawangan tanpa bersemuka
dengan menggunakan sidang video.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<ol start="6" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l8 level1 lfo2; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mengelakkan kerugian dan
kerosakan.</span></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l8 level2 lfo2; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Contoh
: Jika diketahui melalui satelit bahawa taufan sedang melanda Jepun, maka
penghantaran kargo dari Malaysia
ke negara itu boleh ditangguhkan untuk mengelakkan kerosakan.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">JENIS-JENIS
PERKHIDMATAN KOMUNIKASI</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;"><span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">(i)<span style="mso-tab-count: 1;"> </span>
Televisyen dan radio.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">(ii)<span style="mso-spacerun: yes;">
</span>Perkhidmatan Pos.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">(iii) Perkhidmatan Telekomunikasi.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">(iv) Perkhidmatan Kurier.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-indent: -.75in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">PERKHIDMATAN POS.</span></b></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>Terbahagi kepada 3 iaitu :</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>(i).<span style="mso-spacerun: yes;">
</span>Perkhidmatan Mel.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>(ii). <span style="mso-spacerun: yes;"> </span>Perkhidmatan kaunter.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>(iii). Perkhidmatan Lain.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perkhidmatan Mel.</span></i></b></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo7; tab-stops: list .5in; text-align: justify; text-indent: -27.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Surat</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">.<span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo7; tab-stops: list .5in; text-align: justify; text-indent: -27.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Poskad.<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo7; tab-stops: list .5in; text-align: justify; text-indent: -27.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Aerogram.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo7; tab-stops: list .5in; text-align: justify; text-indent: -27.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bahan
bercetak. </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo7; tab-stops: list .5in; text-align: justify; text-indent: -27.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>Peket kecil.<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo7; tab-stops: list .5in; text-align: justify; text-indent: -27.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Khidmat
jawapan perniagaan.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level2 lfo7; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Courier New"; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">digunakan
oleh peniaga pesanan mel.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level2 lfo7; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Courier New"; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">setem
dilekatkan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 45.0pt; mso-list: l0 level1 lfo8; tab-stops: list .5in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Persuratan
untuk orang buta.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level2 lfo7; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Courier New"; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">majalah
dan buku dalam bentuk Braille</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 45.0pt; mso-list: l0 level1 lfo8; tab-stops: list .5in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pos
Ekspres.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level2 lfo7; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Courier New"; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menghantar
dokumen dengan cepat.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level2 lfo7; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Courier New"; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">tidak
dilindungi oleh insurans</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level1 lfo7; tab-stops: list .5in; text-align: justify; text-indent: -63.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pos
Daftar.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level2 lfo7; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Courier New"; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">hantar
barang/dokumen penting di dalam dan di luar negara.<span style="mso-tab-count: 3;"> </span><span style="mso-spacerun: yes;">
</span>- dilindungi oleh insurans.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level1 lfo7; tab-stops: list .5in; text-align: justify; text-indent: -63.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bungkusan.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level1 lfo7; tab-stops: list .5in; text-align: justify; text-indent: -63.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mel
Berinsurans.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level2 lfo7; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Courier New"; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">memberi
perlindungan bagi surat
daftar dan bungkusan yang <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l1 level3 lfo7; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">diposkan di dalam dan di
luar negara.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level2 lfo7; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Courier New"; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">pampasan
akan dibayar jika mel/bungkusan itu hilang</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level1 lfo7; tab-stops: list .5in; text-align: justify; text-indent: -63.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perkhidmatan
Pos Laju.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level2 lfo7; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Courier New"; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menghantar
mel, peket kecil dan dokumen dengan cepat.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level2 lfo7; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Courier New"; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">serahan
dari pintu ke pintu.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level1 lfo7; tab-stops: list .5in; text-align: justify; text-indent: -63.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Data
Pos.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level2 lfo7; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Courier New"; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">membantu
mengagihkan dokumen secara besar- besaran seperti bil, <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l1 level3 lfo7; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sijil invois dan penyata akaun.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level1 lfo7; tab-stops: list .5in; text-align: justify; text-indent: -63.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mel
Terus.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level2 lfo7; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Courier New"; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">digunakan
oleh syarikat untuk mengiklankan perniagaannya.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perkhidmatan Kaunter.</span></i></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>Terdiri daripada 3 jenis :</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 75.75pt; mso-list: l5 level2 lfo1; tab-stops: list .75in; text-align: justify; text-indent: -48.75pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">a)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perkhidmatan
jualan – jual setem, sampul surat
berdaftar, poskad.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 75.75pt; mso-list: l5 level2 lfo1; tab-stops: list .75in; text-align: justify; text-indent: -48.75pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">b)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perkhidmatan
bayaran – bayaran kiriman wang dan wang pos.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 75.75pt; mso-list: l5 level2 lfo1; tab-stops: list .75in; text-align: justify; text-indent: -48.75pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">c)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perkhidmatan
agensi<span style="mso-spacerun: yes;"> </span>- TNB, ASN, BSN, LUTH.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><b style="mso-bidi-font-weight: normal;">Perkhidmatan
Lain.</b></span></i></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">i.<span style="mso-tab-count: 1;"> </span>Pos Restante<span style="mso-tab-count: 1;"> </span><span style="mso-tab-count: 1;"> </span>- <span style="mso-tab-count: 1;"> </span>Pengembara
menggunakan alamat pejabat pos <span style="mso-tab-count: 3;"> </span><span style="mso-tab-count: 2;"> </span>untuk <span style="mso-tab-count: 1;"> </span>menerima surat.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">ii.<span style="mso-tab-count: 1;"> </span>Peti surat,
tiket serahan tingkap dan khidmat beg berkunci.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">iii.<span style="mso-tab-count: 1;"> </span>Frangki<span style="mso-tab-count: 2;"> </span>
- <span style="mso-tab-count: 1;"> </span>mesin mencetak setem dan tarikh pembayaran
<span style="mso-tab-count: 4;"> </span><span style="mso-tab-count: 1;"> </span>pada sampul surat/mel.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">iv.<span style="mso-tab-count: 1;"> </span>Pusat khidmat pelanggan – melayani aduan pelanggan.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">PERKHIDMATAN TELEKOMUNIKASI</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;"></span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Terbahagi kepada :- <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 45.0pt; mso-list: l0 level1 lfo8; tab-stops: list 45.0pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perkhidmatan
lisan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 45.0pt; mso-list: l0 level1 lfo8; tab-stops: list 45.0pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perkhidmatan
bercetak</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 45.0pt; mso-list: l0 level1 lfo8; tab-stops: list 45.0pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perkhidmatan
Audiovisual.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 57.75pt; mso-list: l3 level1 lfo3; tab-stops: list 57.75pt; text-align: left; text-indent: -21.75pt; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">a)<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perkhidmatan
Lisan.</span></b></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 108.75pt; mso-list: l3 level2 lfo3; tab-stops: list 108.75pt; text-align: left; text-indent: -36.75pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">i.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perkhidmatan
Telefon.- untuk individu.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>-<span style="mso-spacerun: yes;"> </span>Panggilan tempatan.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span>-<span style="mso-spacerun: yes;"> </span>Panggilan sambung jauh terus dail.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;"> </span>-<span style="mso-spacerun: yes;"> </span>Panggilan antarabangsa terus dail.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>ii.<span style="mso-spacerun: yes;">
</span>Panggilan tanpa tol.- untuk peniaga.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>iii.<span style="mso-spacerun: yes;"> </span>Sidang Audio.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
mesyuarat antara 2 pihak yang berada di lokasi berbeza.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>- setiap ahli perlu bercakap secara bergilir.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>iv.<span style="mso-spacerun: yes;"> </span>Telefon bimbit.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 99.75pt; mso-list: l4 level1 lfo5; tab-stops: list 99.75pt; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">v.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>Videofon.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 108.75pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
Telefon dilengkapi dengan gambar video.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 3;"> </span>- membolehkan pemanggil dan penerima panggilan
berbual <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>Serta melihat
wajah pihak yang dihubungi.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>vi.<span style="mso-spacerun: yes;"> </span>Radio Maritim.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- membolehkan panggilan telefon
dibuat dari darat ke kapal- </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>kapal di lautan Atlantik, Hindi
dan Pasifik.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- menggunakan satelit marin
(MARISAT)untuk<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>menyampaikan berita serta mesej penting.<span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 93.75pt; mso-list: l2 level1 lfo6; tab-stops: list 93.75pt; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">vii.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>Telestok.<span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- untuk pelabur yang ingin
mengetahui harga saham yang di <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>urusniagakan di BSKL.<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 57.75pt; mso-list: l3 level1 lfo3; tab-stops: list 57.75pt; text-align: left; text-indent: -21.75pt; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">b)<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perkhidmatan
Bercetak</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 108.75pt; mso-list: l3 level2 lfo3; tab-stops: list 108.75pt; text-align: left; text-indent: -36.75pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">i.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Telefeks
– menghantar maklumat berbentukcarta,</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>gambar, laporan
melalui mesin faksimili.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">ii.<span style="mso-tab-count: 1;"> </span>Teleks<span style="mso-spacerun: yes;">
</span>- menghantar maklumat menggunakan<span style="mso-spacerun: yes;">
</span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>mesin teleprinter.<span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 108.75pt; mso-list: l3 level2 lfo3; tab-stops: list 108.75pt; text-align: left; text-indent: -36.75pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">ii.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Telegram
– menghantar maklumat bertulis </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>melalui rangkaian telegraf.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 57.75pt; mso-list: l3 level1 lfo3; tab-stops: list 57.75pt; text-align: left; text-indent: -21.75pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">c)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perkhidmatan Audiovisual</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 108.75pt; mso-list: l3 level2 lfo3; tab-stops: list 108.75pt; text-align: left; text-indent: -36.75pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">i.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sidang
Video(Video Conferencing).</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 108.75pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
menghubungi 2 atau lebih pihak di lokasi<span style="mso-spacerun: yes;">
</span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>yang berbeza.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>-<span style="mso-spacerun: yes;">
</span>mesyuarat jarak jauh melalui skrin pemancar.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 108.75pt; mso-list: l3 level2 lfo3; tab-stops: list 108.75pt; text-align: left; text-indent: -36.75pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">ii.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Internet.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 108.75pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
rangkaian komputer yang menghubungkan<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>pelbagai maklumat dengan pantas di<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>seluruh dunia.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 108.75pt; mso-list: l3 level2 lfo3; tab-stops: list 108.75pt; text-align: left; text-indent: -36.75pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">iii.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">E-mel
(Mel Elektronik)</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 108.75pt; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
menghantar maklumat dengan cepat menerusi<span style="mso-spacerun: yes;">
</span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>rangkaian komputer.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 108.75pt; mso-list: l3 level2 lfo3; tab-stops: list 108.75pt; text-align: left; text-indent: -36.75pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">iv.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">MAYPAC.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
Rangkaian Data Awam Suis Peket Malaysia.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 2;"> </span>- menghantar dan menerima data
melalui komputer.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">PERKHIDMATAN KURIER.</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>Menghantar mel, dokumen dan bungkusan dengan
segera seperti <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: left; text-indent: -1.0in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>invois, dokumen perjanjian dan laporan di
dalam dan di luar <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: left; text-indent: -1.0in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>negara. Contoh : EMS,
Pos laju Malaysia.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: left; text-indent: -1.0in; unicode-bidi: embed;">
<i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><u>Kelebihan.</u></span></i></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l7 level2 lfo9; tab-stops: list 45.0pt; text-align: left; text-indent: -.75in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Courier New"; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">penghantaran
cepat dan selamat.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l7 level2 lfo9; tab-stops: list 45.0pt; text-align: left; text-indent: -.75in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Courier New"; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">serahan
pintu ke pintu.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l7 level2 lfo9; tab-stops: list 45.0pt; text-align: left; text-indent: -.75in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Courier New"; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">dapat
perlindungan insurans.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l7 level2 lfo9; tab-stops: list 45.0pt; text-align: left; text-indent: -.75in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Courier New"; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menyediakan
perkidmatan menghantar Kargo.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 45.0pt; mso-list: l7 level2 lfo9; tab-stops: list 45.0pt; text-align: left; text-indent: -27.0pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Courier New"; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bagi
bungkusan bercukai, syarikat Kurier akan menguruskan segala dokumentasi kastam
bagi pihak pengirim.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; text-indent: 30.0pt; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; text-indent: 9.0pt; unicode-bidi: embed;">
<i><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kekurangan</span></u></i></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l7 level3 lfo9; tab-stops: list 45.0pt; text-align: left; text-indent: -1.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kos
tinggi.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l7 level3 lfo9; tab-stops: list 45.0pt; text-align: left; text-indent: -1.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">terhad
kepada kiriman yang penting dan diperlukan sahaja.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; text-indent: -45.0pt; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt;">Faktor
Pemilihan Jenis Perkhidmatan Komunikasi</span></u></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l6 level1 lfo4; tab-stops: list 1.0in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kesegaran.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
jika maklumat diperlukan segera – Teleks,</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>- telefaks</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>- internet. </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- tidak diperlukan dengan segera<span style="mso-spacerun: yes;"> </span>- melalui pos. </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l6 level1 lfo4; tab-stops: list 1.0in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jenis
maklumat.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: left; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- </span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">berbentuk lisan – telefon. </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- Grafik dan carta – mesin faksimile. </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- Bahan bercetak<span style="mso-spacerun: yes;"> </span>-<span style="mso-spacerun: yes;"> </span>pos.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- Polisi insurans – kurier dan mel
berinsurans. </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l6 level1 lfo4; tab-stops: list 1.0in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">. </span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
mengikut kemampuan syarikat. </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- Perkhidmatan kurier lebih mahal daripada
Perkhidmatan pos <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>biasa.</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l6 level1 lfo4; tab-stops: list 1.0in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mudah
didapati dan berhampiran.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
contoh: telefon dan pos mudah didapati. </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l6 level1 lfo4; tab-stops: list 1.0in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jarak.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
jarak dekat – gunakan pos.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- jarak jauh<span style="mso-spacerun: yes;"> </span>- mel udara, faksimile,internet, teleks.</span></div>
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<br /></div>
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<br /></div>
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<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
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Anonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.comtag:blogger.com,1999:blog-676102689851723818.post-57055170240752453822013-07-30T02:50:00.000-07:002013-07-30T02:50:23.401-07:00Bab 3 : Pengangkutan<!--[if gte mso 9]><xml>
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<br />
<div class="MsoTitle">
<span style="font-family: "Tahoma","sans-serif"; font-size: 18.0pt;">PENGANGKUTAN</span></div>
<div class="MsoTitle">
<br /></div>
<h3>
<b><span style="font-family: "Tahoma","sans-serif";">Maksud</span></b></h3>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo5; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">pindah
barang dari satu tempat ke tempat lain dengan pelbagai jenis kenderaan sama ada
melalui darat, air, udara atau saluran paip</span></div>
<h3>
<b><span style="font-family: "Tahoma","sans-serif";"><span style="text-decoration: none;"> </span></span></b></h3>
<h3>
<b><span style="font-family: "Tahoma","sans-serif";">Peranan Pengangkutan</span></b><b><span style="font-family: "Tahoma","sans-serif"; text-decoration: none; text-underline: none;"><span style="mso-spacerun: yes;"> </span></span></b><b><span style="font-family: "Tahoma","sans-serif";"></span></b></h3>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bawa
barang</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">dari
tempat lebih ke tempat kurang</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">selaras
permintaan dan penawaran</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">stabilkan
harga</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-tab-count: 1;"> </span>Edar barang ke merata dunia</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; text-indent: .5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">pasaran
lebih luas</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; text-indent: .5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">pilihan
pengguna banyak</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l4 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Peniaga
mudah dapat bekalan bahan mentah</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l4 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Galakkan
pengeluaran secara besar-besaran</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l4 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Elakkan
pembaziran</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Memudahkan
mobiliti / pergerakan tenaga buruh</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mengurangkan
kos penyimpanan stok / kos gudang</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Galakkan
pertumbuhan ekonomi</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mewujudkan
peluang pekerjaan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mengurangkan
kadar pengganguran</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">meningkatkan
taraf hidup masyarakat</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">meningkatkan
pendapatan negara</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Galakkan
penyebaran sains dan teknologi</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Galakkan
kemasukan pelaburan dan pelancongan</span></div>
<h2>
<span style="font-family: "Tahoma","sans-serif";">JENIS PENGANGKUTAN</span></h2>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">terdapat
empat jenis pengangkutan iaitu;</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level2 lfo3; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pengangkutan
darat</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level2 lfo3; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pengangkutan
laut</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level2 lfo3; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pengangkutan
udara</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level2 lfo3; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Saluran
paip</span></div>
<div align="left" class="MsoTitle" style="text-align: left;">
<br /></div>
<div class="MsoSubtitle">
<b><span style="font-family: "Tahoma","sans-serif";">PENGANGKUTAN
DARAT</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">terbahagi
kepada dua iaitu;</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level2 lfo3; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">jalan
raya</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level2 lfo3; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">rel</span></div>
<h2>
<u><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; font-style: normal;">Pengangkutan Jalanraya<span style="mso-spacerun: yes;">
</span></span></u></h2>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">terdiri
daripada pengangkutan;</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level2 lfo3; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">haiwan<span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;">
</span>lembu, kuda</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level2 lfo3; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kenderaan<span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;">
</span>lori, van</span></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<h2>
<u><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Kelebihan<span style="mso-spacerun: yes;"> </span></span></u></h2>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l2 level1 lfo6; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
serah barang dari pintu ke pintu</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l2 level1 lfo6; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">jimatkan
masa</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l2 level1 lfo6; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kerja
pemunggahan kurang </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l2 level1 lfo6; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">risiko
barang rosak sedikit</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l2 level1 lfo6; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Murah
dan cepat<span style="mso-spacerun: yes;"> </span>untuk jarak dekat</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l2 level1 lfo6; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sesuai
bawa barang diperlukan segera</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l2 level1 lfo6; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tiada
jadual perjalanan </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l2 level1 lfo6; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kemudahan
kenderaan mudah didapati dan banyak<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l2 level1 lfo6; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mudah
hubungi kawasan pendalaman</span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<u><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Kekurangan</span></u></h2>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mahal
dan lambat bagi jarak jauh<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sebab kesesakan lalu lintas /
kemalangan / kenderaan rosak</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Ruang
muatan terhad</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tidak
sesuai mengangkut barang mudah pecah (contoh: kaca, seramik)</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> penyelenggaraan
tinggi<span style="mso-spacerun: yes;"> </span></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-tab-count: 1;"> </span>Pembaziran
tenaga buruh</span></div>
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<br /></div>
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<b><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jabatan Pengangkutan Jalan (JPJ)</span></u></b><b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span></span></b></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bidang
tugasnya:</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Daftar
<span style="mso-spacerun: yes;"> </span>kenderaan bermotor</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Keluarkan
lesen kenderaan dan cukai jalan </span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Uji
dan keluarkan lesen memandu</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Keluarkan
permit sekolah memandu</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kawal
dan tetapkan tambang kenderaan awam</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kuatkuasakan
undang-undang jalan raya </span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Uji
dan memberi lesen kepada konduktor bas</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kerjasama
dengan Lembaga Perlesenan Kenderaan Perdagangan dalam urusan perlesenan
kenderaan komersil</span></div>
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<br /></div>
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<b><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Lembaga Pelesenan Kenderaan Perdagangan<span style="mso-spacerun: yes;"> </span>(LPKP)</span></u></b><b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> </span></b></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bidang
tugasnya:</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kawal
kegunaan<span style="mso-spacerun: yes;"> </span>pengangkutan kenderaan awam
seperti teksi dan bas demi menjaga kepentingan orang awam</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Keluarkan
lesen kenderaan perkhidmatan awam dan lesen kenderaan perdagangan<span style="mso-spacerun: yes;"> </span>iaitu;</span></div>
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<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Lesen Pembawa A</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">benarkan
kenderaan bawa barang orang lain / untuk disewa</span></div>
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<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Lesen Pembawa C</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">hanya
benarkan kenderaan bawa barang sendiri</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kenderaan
tidak boleh disewa</span></div>
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<br /></div>
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<b><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pusat Pemeriksaan Kenderaan Berkomputer (PUSPAKOM)</span></u></b><b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> </span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo4; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bidang
tugasnya:</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Periksa
dan uji kenderaan komersil dan pastikan selamat digunakan</span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<u><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; font-style: normal;">Pengangkutan
Rel<span style="mso-spacerun: yes;"> </span></span></u></h2>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">contoh
seperti relbas, kereta api, komuter, LRT</span></div>
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<br /></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<u><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Kelebihan<span style="mso-spacerun: yes;"> </span></span></u></h2>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Murah
dan cepat bagi jarak jauh<span style="mso-spacerun: yes;"> </span></span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Ruang
muatan lebih luas</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sesuai
untuk bawa barang pukal / berat / kuatiti banyak / bernilai rendah</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">seperti<span style="mso-spacerun: yes;"> </span>kayu balak , simen, pasir</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Lebih
selamat / kurang kemalangan dan selesa</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Masa
bertolak dan tiba diketahui </span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mudahkan peniaga hantar / tunggu barang</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Ada</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> gerabak khas untuk bawa
barang</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Contoh:<span style="mso-tab-count: 1;"> </span>gerabak bertangki – petrolium , simen, susu
getah</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; tab-stops: 1.25in 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>gerabak panjang / terbuka – kayu balak, kontena</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">ada
kemudahan kontenarisasi</span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<u><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Kekurangan</span></u></h2>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mahal
dan lambat bagi jarak dekat</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tiada
perkhidmatan pintu ke pintu</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Banyak
kerja pemunggahan</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">risiko barang rosak /
hilang tinggi</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tidak
fleksibel kerana arah dan masa perjalanan ditetapkan</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> penyelenggaraan tinggi</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Rangkaian
perkhidmatan keretapi terhad – tidak semua bandar dihubungkan dengan
perkhidmatan kereta api<span style="mso-spacerun: yes;"> </span></span></div>
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<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Keretapi Tanah Melayu Berhad (KTMB)</span></u></b><b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span></span></b></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bidang
tugasnya meliputi:</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sediakan
landasan, stesen, menetapkan jadual perjalanan dan tambang</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sediakan
dua perkhidmatan utama iaitu:</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">+<span style="mso-tab-count: 1;"> </span>keretapi penumpang<span style="mso-tab-count: 1;"> </span></span><span lang="EN-GB" style="font-family: Wingdings; mso-ascii-font-family: Tahoma; mso-bidi-font-family: Tahoma; mso-char-type: symbol; mso-hansi-font-family: Tahoma; mso-symbol-font-family: Wingdings;"><span style="mso-char-type: symbol; mso-symbol-font-family: Wingdings;">à</span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>keretapi mel, ekspres, komuter</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; tab-stops: 1.25in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">+<span style="mso-tab-count: 1;"> </span>keretapi barang / kargo<span style="mso-tab-count: 1;"> </span></span><span lang="EN-GB" style="font-family: Wingdings; mso-ascii-font-family: Tahoma; mso-bidi-font-family: Tahoma; mso-char-type: symbol; mso-hansi-font-family: Tahoma; mso-symbol-font-family: Wingdings;"><span style="mso-char-type: symbol; mso-symbol-font-family: Wingdings;">à</span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>gerabak bertangki</span></div>
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<br /></div>
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<br /></div>
<div class="MsoSubtitle" style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<b><span style="font-family: "Tahoma","sans-serif";">PENGANGKUTAN<span style="mso-spacerun: yes;"> </span>LAUT</span></b></div>
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<br /></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sangat
penting dalam perdagangan antarabangsa</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">terdiri
daripada:</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perkapalan
antarabangsa<span style="mso-tab-count: 1;"> </span></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>belayar merentasi lautan besar</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>contoh:<span style="mso-spacerun: yes;">
</span>kapal kargo, kapal kerentan, kapal penumpang</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perkapalan
dalam negeri<span style="mso-tab-count: 1;"> </span></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>belayar sepanjang pantai</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>contoh: feri, kapal pesisir pantai<span style="mso-spacerun: yes;"> </span></span></div>
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<br /></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Jenis kapal </span></h2>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kapal
kargo</span></u></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kapal<span style="mso-spacerun: yes;"> </span>khas bawa kargo dan sedikit penumpang<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in left .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">belayar
ikut<span style="mso-spacerun: yes;"> </span>jalan dan jadual tetap</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in left .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">hanya
singgah di pelabuhan yang ditetapkan</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">tidak
dapat dicarter tetapi ruangnya boleh disewa</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">tambang
ditetapkan oleh Persidangan Perkapalan</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">terdapat
pelbagai jenis kapal kargo khas iaitu:</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>+<span style="mso-spacerun: yes;"> </span>kapal kontena<span style="mso-spacerun: yes;"> </span></span><span lang="EN-GB" style="font-family: Wingdings; mso-ascii-font-family: Tahoma; mso-bidi-font-family: Tahoma; mso-char-type: symbol; mso-hansi-font-family: Tahoma; mso-symbol-font-family: Wingdings;"><span style="mso-char-type: symbol; mso-symbol-font-family: Wingdings;">à</span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>khusus untuk membawa kontena</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>+<span style="mso-spacerun: yes;"> </span>kapal tangki<span style="mso-spacerun: yes;"> </span></span><span lang="EN-GB" style="font-family: Wingdings; mso-ascii-font-family: Tahoma; mso-bidi-font-family: Tahoma; mso-char-type: symbol; mso-hansi-font-family: Tahoma; mso-symbol-font-family: Wingdings;"><span style="mso-char-type: symbol; mso-symbol-font-family: Wingdings;">à</span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>khusus untuk membawa petrolium, bahan kimia, <span style="mso-tab-count: 3;"> </span><span style="mso-tab-count: 2;"> </span>gas asli cecair</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>+<span style="mso-spacerun: yes;"> </span>kapal penyetoran
sejuk<span style="mso-spacerun: yes;"> </span></span><span lang="EN-GB" style="font-family: Wingdings; mso-ascii-font-family: Tahoma; mso-bidi-font-family: Tahoma; mso-char-type: symbol; mso-hansi-font-family: Tahoma; mso-symbol-font-family: Wingdings;"><span style="mso-char-type: symbol; mso-symbol-font-family: Wingdings;">à</span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>ada bilik sejuk untuk simpan daging, sayur</span></div>
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<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level2 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -1.0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kapal
kerentan (kapal tramp)</span></u></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kapal<span style="mso-spacerun: yes;"> </span>khas bawa kargo pukal sahaja<span style="mso-spacerun: yes;"> </span>seperti<span style="mso-spacerun: yes;">
</span>kayu balak, bijih timah</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in left .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">boleh
ditempah / sewa atau dicarter</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">tidak
belayar ikut<span style="mso-spacerun: yes;"> </span>jalan dan jadual yang tetap</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in left .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">belayar
ke mana-mana destinasi mengikut arahan pencarter / penyewa</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kapal
boleh dicarter<span style="mso-spacerun: yes;"> </span>untuk satu pelayaran
(carter perjalanan) atau untuk <span style="mso-tab-count: 1;"> </span>satu
tempoh (carter masa)</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in left .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">boleh
dicarter / sewa di Pasaran Baltik</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in left .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">tambang
boleh ditawar</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; tab-stops: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 5;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level2 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -1.0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kapal
penumpang</span></u></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in left .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kapal
yang bawa penumpang, mel dan sedikit<span style="mso-spacerun: yes;">
</span>kargo<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in left .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">belayar
ikut<span style="mso-spacerun: yes;"> </span>jalan dan jadual yang tetap</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in left .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">hanya
singgah di pelabuhan yang ditetapkan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in left .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">tambang
ditetapkan oleh Persidangan Perkapalan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; tab-stops: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level2 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -1.0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kapal
pesisir pantai</span></u></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in left .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">digunakan
sepanjang pantai untuk hubungkan bandar tepi pantai dengan <span style="mso-tab-count: 1;"> </span>pelabuhan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in left .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">tujuannya
untuk bawa barang kegunaan dalam negeri dan barang yang <span style="mso-tab-count: 1;"> </span>dihantar ke pelabuhan utama untuk dieksport</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in left .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">contoh:
Pelayaran dari pelabuhan Port Dickson ke Pelabuhan Klang</span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Kelebihan Kapal
Kerentan </span></h2>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sesuai
bawa barang pukal seperti kayu balak</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
dicarter seluruh kapal</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bebas
belayar bila-bila masa </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: justify; text-indent: .25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sebab tiada jadual khas</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-tab-count: 1;"> </span>Boleh
disewa untuk satu pelayaran / carter pelayaran</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-tab-count: 1;"> </span>Boleh
disewa untuk satu jangka masa perjalanan / carter masa</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-tab-count: 1;"> </span>Destinasi
kapal ditentukan sendiri oleh penyewa</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tambang
kapal boleh dirunding </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: justify; text-indent: .25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">biasanya lebih murah
berbanding tambang kapal kargo.</span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Kekurangan Kapal
Kargo </span></h2>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tidak
sesuai untuk bawa barang pukal</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pelayaran
gunakan laluan tetap / hanya singgah di pelabuhan yang ditetapkan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tambang
kapal ditetapkan oleh Persidangan Perkapalan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">dan tidak boleh dirundingkan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">biasanya lebih mahal berbanding
tambang kapal kerentan</span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<u><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; font-style: normal;">Perbezaan
Kapal Kargo dengan Kapal Kerentan</span></u></h2>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 480;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308">
<div align="center" class="MsoNormal" style="direction: ltr; text-align: center; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">KAPAL
KARGO</span></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308">
<div align="center" class="MsoNormal" style="direction: ltr; text-align: center; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">KAPAL
KERENTAN</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308">
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">1.<span style="mso-spacerun: yes;"> </span>Belayar mengikut<span style="mso-spacerun: yes;"> </span>jalan dan jadual yang tetap</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308">
<div class="MsoNormal" style="direction: ltr; margin-left: 20.95pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">1.<span style="mso-spacerun: yes;"> </span>Bebas
belayar ke mana-mana dan bila-bila masa</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308">
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">2.<span style="mso-spacerun: yes;"> </span>Sesuai mengangkut barang tidak pukal
seperti<span style="mso-spacerun: yes;"> </span>perabot, mesin</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308">
<div class="MsoNormal" style="direction: ltr; margin-left: 20.95pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">2.<span style="mso-spacerun: yes;"> </span>Sesuai
mengangkut barang pukal seperti kayu balak</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: -15.05pt; unicode-bidi: embed;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308">
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">3.<span style="mso-spacerun: yes;"> </span>Hanya singgah di pelabuhan yang ditetapkan</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308">
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: -15.05pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">3.<span style="mso-spacerun: yes;"> </span>Singgah di mana-mana pelabuhan mengikut
arahan pencarter</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: -15.05pt; unicode-bidi: embed;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308">
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">4.<span style="mso-spacerun: yes;"> </span>Beri tempahan ruang dalam kapal sahaja</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308">
<div class="MsoNormal" style="direction: ltr; margin-left: 20.95pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">4.<span style="mso-spacerun: yes;"> </span>Boleh sewa
seluruh kapal</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: -15.05pt; unicode-bidi: embed;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 5;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308">
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">5.<span style="mso-spacerun: yes;"> </span>Tambang ditetapkan oleh Persidangan
Perkapalan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308">
<div class="MsoNormal" style="direction: ltr; margin-left: 20.95pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">5.<span style="mso-spacerun: yes;"> </span>Tambang
ditentu di Pasaran Baltik dan boleh tawar menawar<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 20.95pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 6; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308">
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">6.<span style="mso-spacerun: yes;"> </span>Bil muatan sebagai bukti barang diangkut</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308">
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: -15.05pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">6.<span style="mso-spacerun: yes;"> </span>Selain bil muatan, janji carter diperlukan</span></div>
</td>
</tr>
</tbody></table>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Kebaikan
Pengangkutan Air</span></h2>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
bawa muatan banyak<span style="mso-spacerun: yes;"> </span></span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tambang
lebih murah</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sesuai
untuk bawa barang pukal seperti kayu balak dan bijih timah</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Lebih
selamat sebab kadar kemalangan rendah</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tiada
kesesakan lalu lintas</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> penyelenggaraan sedikit</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Banyak
pilihan kapal seperti kapal kontena, kapal kargo</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo4; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Ada</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> kemudahan
kontenarisasi<span style="mso-spacerun: yes;"> </span>-<span style="mso-spacerun: yes;"> </span>cepatkan urusan kastam<span style="mso-spacerun: yes;"> </span></span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Kekurangan
Pengangkutan Air</span></h2>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tiada
serah pintu ke pintu</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">perlukan pengangkutan lain seperti
lori untuk bawa barang dari atau ke pelabuhan</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kerja
pemunggahan yang banyak</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: justify; text-indent: .25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">meningkatkan risiko
kecurian dan kerosakan<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo4; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perjalanan
lambat<span style="mso-spacerun: yes;"> </span>sampai</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perkhidmatan
terhad di kawasan yang ada kemudahan pelabuhan / jeti sahaja</span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Perbadanan Perkapalan
Antarabangsa Malaysia
(MISC)</span></h2>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">peranannya;</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level2 lfo4; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Beri
kemudahan pengangkutan laut kepada peniaga tempatan untuk mengurangkan
pergantungan kepada kapal asing</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level2 lfo4; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Adakan
perjalanan tempatan dan antarabangsa<span style="mso-spacerun: yes;">
</span>bagi menghantar kargo</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level2 lfo4; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Ambil
bahagian dalam kontrak perkapalan secara dua hala dengan negara lain</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l1 level2 lfo4; tab-stops: list 1.0in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tingkatkan
penyertaan kapal Malaysia
dalam perkapalan antarabangsa </span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Jabatan Laut</span></h2>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">peranannya:</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l1 level2 lfo4; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Daftar
dan lesenkan semua kapal dan bot</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l1 level2 lfo4; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Keluarkan
perakuan kecekapan untuk pelaut Malaysia</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Wujudkan
sistem pelayaran yang efisen</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l1 level2 lfo4; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Selenggarakan
pelabuhan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l1 level2 lfo4; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pelihara
kawasan perairan supaya bebas dari pencemaran</span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Lembaga Pelabuhan</span></h2>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo4; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">contoh:<span style="mso-spacerun: yes;"> </span>Lembaga Pelabuhan Kelang</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-indent: .25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>Lembaga
Pelabuhan Kuantan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l1 level1 lfo4; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">peranannya;</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l1 level2 lfo4; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kawal
lalu lintas di kawasan pelabuhan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l1 level2 lfo4; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sediakan
kemudahan pergudangan seperti Gudang Berbon</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l1 level2 lfo4; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sediakan
<span style="mso-spacerun: yes;"> </span>dermaga dan tongkang</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sediakan
kemudahan pemunggahan seperti kren, forklift</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l1 level2 lfo4; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sediakan
malim untuk memandu kapal berlabuh</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l1 level2 lfo4; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sediakan
bantuan pelayaran seperti rumah api dan boya</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l1 level2 lfo4; tab-stops: list 1.0in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sediakan
kemudahan limbungan untuk membaiki kapal</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">keluarkan
lesen perkapalan kepada kapten kapal dan bot<span style="mso-spacerun: yes;">
</span>kecil yang belayar di sekitar pelabuhan</span></div>
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<br /></div>
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<b><span style="font-family: "Tahoma","sans-serif";">PENGANGKUTAN<span style="mso-spacerun: yes;"> </span>UDARA</span></b></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">terbahagi
kepada dua iaitu;</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kapal
terbang</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">helikopter</span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Kekurangan</span></h2>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tambang
mahal<span style="mso-spacerun: yes;"> </span></span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Saiz
dan berat kargo dihadkan</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tiada
serahan pintu ke pintu</span></div>
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<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">perlukan
pengangkutan lain Kerja pemunggahan yang banyak</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">tingkatkan risiko kecurian
dan kerosakan<span style="mso-spacerun: yes;"> </span></span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perkhidmatan
terhad di kawasan yang ada kemudahan lapangan terbang sahaja</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Penerbangan
mudah tergendala jika cuaca buruk</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> penyelenggaraan tinggi</span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Kebaikan<span style="mso-spacerun: yes;"> </span></span></h2>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sesuai
bawa barang mahal dan ringan</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kerana kadar tambang tidak
dipengaruhi oleh nilai barang</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">contoh:<span style="mso-spacerun: yes;"> </span>ekspot berlian dan emas</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sesuai
bawa barang yang diperlukan segera</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">yang memerlukan
pengangkutan yang cepat / pantas</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">contoh:<span style="mso-spacerun: yes;"> </span>bekalan perubatan dan alat ganti jentera</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sesuai
bawa barang yang tidak tahan lama</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">untuk menjamin agar barang
segar dan baik</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">contoh:<span style="mso-spacerun: yes;"> </span>bunga dan buah-buahan</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sesuai
hubungi kawasan pendalaman – gunakan helikopter</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Barang
lebih selamat sebab kawalan keselamatan ketat</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">risiko kecurian kurang</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">oleh itu kos insurans lebih rendah</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> pergudangan rendah sebab
barang segera dihantar</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Ada</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> kemudahan
kontenarisasi<span style="mso-spacerun: yes;"> </span>-<span style="mso-spacerun: yes;"> </span>mencepatkan urusan kastam</span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Penerbangan Malaysia (MAS)</span></h2>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Merupakan
badan yang ditubuhkan oleh kerajaan yang telah diswastakan</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menyediakan
perkhidmatan penerbangan penumpang dan perkhidmatan kargo dalam dan luar negeri</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Ada</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> penerbangan khas untuk
mengangkut jemaah haji</span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Jabatan Penerbangan
Awam (DCA)</span></h2>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Peranannya;</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Keluarkan
lesen dan permit untuk semua jenis pengangkutan udara di Malaysia</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sediakan
perkhidmatan trafik udara </span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sediakan
bantuan penerbangan dan kejuruteraan</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sediakan
khidmat bomba dan keselamatan</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Adakan
hak pendaratan dan perjanjian penerbangan dengan negara lain</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sediakan
pembangunan lapangan erbang</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sediakan
khidmat kecemasan</span></div>
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<br /></div>
<div class="MsoBodyText" style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<br /></div>
<div class="MsoBodyText" style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Sebab
Tambang Pengangkutan Laut Lebih murah daripada Pengangkutan lain</span></b></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
bawa barang lebih banyak</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kurang
guna bahan api berbanding kapal terbang</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tiada
kos penyelenggaraan sebab jalan air tidak perlu diselenggarakan / dibaiki</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Persaingan
hebat antara jenis-jenis kapal mengurangkan kadar tambang</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> overhed seperti gaji
pekerja rendah sebab tidak ramai pekerja berbanding kapal terbang</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Lambat
sampai</span></div>
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<br /></div>
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<b><span style="font-family: "Tahoma","sans-serif";">SALURAN PAIP</span></b></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cara
hantar barang jenis cecair dan gas seperti<span style="mso-spacerun: yes;">
</span>air, petrolium , gas asli dan gas memasak melalui batang paip</span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Kebaikan<span style="mso-spacerun: yes;"> </span></span></h2>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Barang
selamat daripada risiko kecurian</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Barang
segera sampai</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jimat
kos pengangkutan kerana tidak guna bahan api</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> penyelenggaraan rendah
sebab kurang berlaku kerosakan</span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Kekurangan</span></h2>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> pemasangan saluran paip
tinggi</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Penggunaannya
terhad kepada barang cecair dan gas seperti petrolium, gas dan air</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kebocoran
mengganggu penggunaan dan sukar dibaiki</span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Petrolium Nasional
Berhad (PETRONAS)</span></h2>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mendapat
hak eksklusif / istimewa untuk cari gali, proses dan pasarkan petrolium dan gas
di Malaysia</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Terlibat
dalam pembinaan saluran paip daripada Kertih, Trengganu ke Segamat, Johor
dan<span style="mso-spacerun: yes;"> </span>Singapura</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Peranan
/ objektif:</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cari
gali, mengeluar dan mentadbir semua petrolium negara</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">pastikan
bekalan petrolium dan hasil petrokimia mencukupi dan pada harga berpatutan</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">galakkan
penglibatan bumiputera dalam industri berasaskan petrolium</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">menasihat
kerajaan dalam hal ehwal petrolium dan petrokimia</span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<u><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Pengkontenaan</span></u></h2>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sistem
hantar barang guna kontena</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kontena ialah peti logam</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mempunyai ukuran piawai</span></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kebaikan</span></i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> guna kontena:</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jimatkan
masa</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kerja pemunggahan cepat</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">barang diangkut sekali gus sebagai
satu unit</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jimatkan
tenaga buruh</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-indent: .25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kurang kerja pemunggahan </span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">barang dipunggah
menggunakan jentera khas / kren / forklif</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kurangkan
barang rosak / selamat</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">terhindar daripada kesan
cuaca</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kurangkan<span style="mso-spacerun: yes;"> </span>kecurian sebab kontena dikunci</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kurangkan
kos seperti kos insurans, kos angkutan dan kos gudang</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kerana pengangkutan sepadu</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Memudahkan
hal dokumentasi </span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
guna sistem pengangkutan TIR</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-indent: .25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kontena tidak perlu
diperiksa di negara perantara</span></div>
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<br /></div>
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kekurangan
</span></i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>guna kontena:</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> bina kontena tinggi</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perlukan
peralatan khas seperti kren</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tidak
sesuai bawa barang pukal seperti kayu balak, batu bata</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perlukan
sistem pengangkutan bersepadu</span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<u><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Faktor-faktor
Pemilihan<span style="mso-spacerun: yes;"> </span>Jenis Pengangkutan</span></u></h2>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kos</span></u><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> pengangkutan<span style="mso-spacerun: yes;"> </span></span></u></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">jika
ingin jimat kos, pilih pengangkutan yang murah </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level1 lfo3; tab-stops: list .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">contoh:<span style="mso-tab-count: 1;"> </span>Dalam Negeri<span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;"> </span>gunakan<span style="mso-spacerun: yes;">
</span>lori, keretapi</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Luar negeri<span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;"> </span>gunakan<span style="mso-spacerun: yes;"> </span>kapal</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level2 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -1.0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jenis<span style="mso-spacerun: yes;"> </span>barang yang dibawa</span></u></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-tab-count: 1;"> </span>jika cecair (petrolium, susu getah) -<span style="mso-spacerun: yes;"> </span>gunakan pengangkutan khas<span style="mso-spacerun: yes;"> </span>seperti lori tangki, kapal tangki</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 261.0pt; tab-stops: .75in 81.0pt 243.0pt; text-align: left; text-indent: -225.0pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-tab-count: 1;"> </span>jika mudah rosak (daging, sayur, bunga)<span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;"> </span>gunakan pengangkutan <span style="mso-tab-count: 3;"> </span>yang dilengkapi dengan <span style="mso-tab-count: 2;"> </span>penyetoran sejuk</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; tab-stops: 243.0pt; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>jika dalam negeri -<span style="mso-spacerun: yes;"> </span>gunakan<span style="mso-spacerun: yes;">
</span>van, lori</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; tab-stops: 243.0pt; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>jika luar negeri<span style="mso-spacerun: yes;"> </span>- gunakan kapal terbang, kapal</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; tab-stops: 243.0pt; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level2 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -1.0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jarak
perjalanan</span></u></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; tab-stops: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-tab-count: 1;"> </span>jika dekat<span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;"> </span>dalam negeri<span style="mso-spacerun: yes;">
</span>-<span style="mso-spacerun: yes;"> </span>gunakan lori, van</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; tab-stops: .5in .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>jika jauh<span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;">
</span>dalam negeri<span style="mso-spacerun: yes;"> </span>-<span style="mso-spacerun: yes;"> </span>gunakan keretapi</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; tab-stops: .5in .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 4;"> </span>-<span style="mso-spacerun: yes;">
</span>luar negeri<span style="mso-spacerun: yes;"> </span>- gunakan<span style="mso-spacerun: yes;"> </span>kapal (jimat kos berbanding kapal <span style="mso-tab-count: 3;"> </span><span style="mso-tab-count: 7;"> </span>terbang)
</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level2 lfo3; tab-stops: .5in .75in list 1.25in; text-align: justify; text-indent: -1.0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kuantiti,
berat dan saiz barang</span></u></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; tab-stops: .5in .75in 2.25in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>jika
banyak dan pukal<span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>dalam negeri<span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;"> </span>gunakan keretapi</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; tab-stops: .5in .75in 2.25in 2.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 3;"> </span>-<span style="mso-tab-count: 1;"> </span>luar negeri<span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;"> </span>gunakan kapal kerentan</span></div>
<div class="MsoNormal" style="direction: ltr; tab-stops: .5in .75in 1.75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>jika sedikit<span style="mso-tab-count: 2;"> </span>-<span style="mso-tab-count: 1;"> </span>dalam
negeri<span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;">
</span>gunakan lori</span></div>
<div class="MsoNormal" style="direction: ltr; tab-stops: .5in .75in 1.75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 4;"> </span>-<span style="mso-tab-count: 1;"> </span>luar negeri<span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;"> </span>gunakan kapal kargo</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level2 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -1.0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kesegeraan</span></u></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; tab-stops: .75in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-tab-count: 1;"> </span>jika ingin cepat<span style="mso-spacerun: yes;"> </span>(ubat, alat ganti, surat khabar)<span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;"> </span>gunakan kapal <span style="mso-tab-count: 4;"> </span><span style="mso-tab-count: 6;"> </span>terbang,
helikopter</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l5 level2 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Risiko
kerosakan</span></u></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; tab-stops: .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-tab-count: 1;"> </span>jika barang mudah pecah (kaca, tembikar)<span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;"> </span>perlu pembungkusan rapi <span style="mso-tab-count: 3;"> </span><span style="mso-tab-count: 6;"> </span>dan
gunakan van</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; tab-stops: .5in .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>jika barang mudah
rosak (daging, ais krim)<span style="mso-tab-count: 1;"> </span>- gunakan van
ada awet <span style="mso-tab-count: 4;"> </span><span style="mso-tab-count: 7;"> </span>dingin
/ setor sejuk</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; tab-stops: .5in .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l5 level2 lfo3; tab-stops: .5in .75in list 1.25in; text-align: justify; text-indent: -1.0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Nilai
barang yang dibawa</span></u></div>
<div class="MsoNormal" style="direction: ltr; tab-stops: .5in .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>jika barang mahal (emas, wang)<span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;">
</span>dalam negeri, gunakan van dengan <span style="mso-tab-count: 3;"> </span><span style="mso-tab-count: 6;"> </span>ciri
keselamatan</span></div>
<div class="MsoNormal" style="direction: ltr; tab-stops: .5in .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 7;"> </span>-<span style="mso-spacerun: yes;"> </span>luar negeri, gunakan kapal terbang</span></div>
<div class="MsoNormal" style="direction: ltr; tab-stops: .5in .75in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>jika barang murah (pasir, batu)<span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;">
</span>dalam negeri, gunakan lori, <span style="mso-tab-count: 4;"> </span><span style="mso-tab-count: 6;"> </span>keretapi</span></div>
Anonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.comtag:blogger.com,1999:blog-676102689851723818.post-14398642652739273962013-07-30T02:45:00.001-07:002013-07-30T02:45:14.083-07:00Bab 2 : Insurans<!--[if gte mso 9]><xml>
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<br />
<div align="center" class="MsoNormal" style="direction: ltr; text-align: center; unicode-bidi: embed;">
<u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 18.0pt;">INSURANS</span></u></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<h1>
<span style="font-family: "Tahoma","sans-serif";">ISTILAH DALAM INSURANS</span></h1>
<div class="MsoNormal" dir="RTL">
<br /></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l11 level1 lfo1; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurer<span style="mso-tab-count: 1;"> </span>- <span style="mso-tab-count: 1;"> </span>Syarikat
insurans yang memberi perlindungan</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l11 level1 lfo1; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insured<span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>Orang
yang membili polisi insurans</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l11 level1 lfo1; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Premium<span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>Bayaran
yang dijelaskan oleh insured untuk </span></li>
</ul>
<div class="MsoNormal" dir="RTL" style="margin-right: 2.0in;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dapatkan perlindungan</span></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Polisi<span style="mso-tab-count: 2;"> </span>- <span style="mso-tab-count: 1;"> </span>Perjanjian antara insurer dan insured</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pampasan<span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>gantirugi
yang dibayar jika berlaku risiko</span></li>
</ul>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<h1>
<span style="font-family: "Tahoma","sans-serif";">PERANAN INSURANS</span></h1>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kepada Peniaga</span></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l10 level1 lfo3; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Melindungi
dari risiko</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l10 level1 lfo3; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dapat
pampas an jika risiko berlaku</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l10 level1 lfo3; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Lebih
yakin untuk majukan perniagaan</span></li>
</ul>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kepada Individu</span></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l21 level1 lfo4; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Melindungi
individu dan keluarga dari risiko</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l21 level1 lfo4; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jaminan
masa depan</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l21 level1 lfo4; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dapat
pampasan jika berlaku risiko</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l21 level1 lfo4; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Satu
cara menabung</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l21 level1 lfo4; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jika
mati – waris dapat pampasan</span></li>
</ul>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kepada negara</span></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l19 level1 lfo5; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Membangunkan
ekonimi negara</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l19 level1 lfo5; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Wang
premium dilabur untuk bangunkan ekonimi</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l19 level1 lfo5; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Atau
untuk beli bon </span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l19 level1 lfo5; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Memberi
peluang pekerjaan</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l19 level1 lfo5; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Taraf
hidup rakyat meningkat</span></li>
</ul>
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<br /></div>
<div class="MsoBodyText">
<br /></div>
<div class="MsoBodyText">
<span style="font-family: "Tahoma","sans-serif";">SYARIKAT
INSURANS BOLEH BAYAR GANTI RUGI BESAR WALAUPUN PREMIUM RENDAH KERANA:</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 39.0pt; mso-list: l22 level1 lfo6; tab-stops: list 39.0pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Individu
yang mungkin alami risiko yang sama berkumpul</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 39.0pt; mso-list: l22 level1 lfo6; tab-stops: list 39.0pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Untuk
menabung dalam satu dana</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 39.0pt; mso-list: l22 level1 lfo6; tab-stops: list 39.0pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jika
berlaku risiko, sebahagian wang dari dana</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 39.0pt; mso-list: l22 level1 lfo6; tab-stops: list 39.0pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dikeluarkan
untuk bayar pampasan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 39.0pt; mso-list: l22 level1 lfo6; tab-stops: list 39.0pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Lebihan
wang dana dilabur</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 39.0pt; mso-list: l22 level1 lfo6; tab-stops: list 39.0pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bukan
semua individu akan kena risiko</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 39.0pt; mso-list: l22 level1 lfo6; tab-stops: list 39.0pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Yang
ramai membantu yang sedikit</span></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<h1>
<span style="font-family: "Tahoma","sans-serif";"> </span></h1>
<h1>
<span style="font-family: "Tahoma","sans-serif";">BEZA RISIKO BOLEH INSURANS
DAN RISIKO TIDAK BOLEH INSURANS</span></h1>
<div class="MsoNormal" dir="RTL">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt; width: 100%px;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 50.0%;" valign="top" width="50%">
<div align="center" class="MsoNormal" dir="RTL" style="text-align: center;">
<b><span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">RISIKO BOLEH
INSURANS</span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 50.0%;" valign="top" width="50%">
<div align="center" class="MsoNormal" dir="RTL" style="text-align: center;">
<b><span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">RISIKO TIDAK
BOLEH INSURANS</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 50.0%;" valign="top" width="50%">
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l12 level1 lfo7; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Risiko
boleh dikira secara statistik. Ada
rekod kejadian lalu</span></li>
</ul>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 50.0%;" valign="top" width="50%">
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l12 level1 lfo7; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tidak
doleh dikira. Tiada rekod kejadian</span></li>
</ul>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 50.0%;" valign="top" width="50%">
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l12 level1 lfo7; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kadar
premium boleh ditetapkan</span></li>
</ul>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 50.0%;" valign="top" width="50%">
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l12 level1 lfo7; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kadar
premium sukar ditetapkan</span></li>
</ul>
</td>
</tr>
<tr style="mso-yfti-irow: 3; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 50.0%;" valign="top" width="50%">
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l12 level1 lfo7; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cth:
Kebakaran,kecurian</span></li>
</ul>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 50.0%;" valign="top" width="50%">
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l12 level1 lfo7; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cth:
Perubahan fesyen, hutang lapuk</span></li>
</ul>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<h3>
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-bidi-font-size: 14.0pt;">PRINSIP-PRINSIP
INSURANS</span></h3>
<div class="MsoNormal" dir="RTL">
<br /></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l23 level1 lfo8; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kepentingan boleh diinsurans</span></b></li>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l23 level2 lfo8; tab-stops: list 1.0in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Hanya
boleh insuranskan nyawa/harta<span style="mso-spacerun: yes;"> </span>yang
akan sebabkan<span style="mso-spacerun: yes;"> </span>kerugian jika
berlaku risiko</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l23 level2 lfo8; tab-stops: list 1.0in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tidak
boleh insuranskan hak orang lain</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l23 level2 lfo8; tab-stops: list 1.0in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Untuk
elakkan orang ambil kesempatan atas kesusahan orang lain</span></li>
</ul>
</ol>
<div class="MsoNormal" dir="RTL">
<br /></div>
<ol start="2" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l23 level1 lfo8; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Penuh Percaya Mutlak</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l6 level1 lfo9; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insured
mesti memberi maklumat benar</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l6 level1 lfo9; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurer
perlu terangkan polisi dengan jelas</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l6 level1 lfo9; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jika
ada penipuan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l6 level1 lfo9; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Polisi
terbatal</span></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<ol start="3" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l23 level1 lfo8; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Indemniti</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l25 level1 lfo10; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Untuk
semua insurans kecuali insurans hayat dan kemalangan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l25 level1 lfo10; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Gantirugi
dibayar setakat kerugian akibat risiko</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l25 level1 lfo10; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bukan
untuk dapat untung</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">3 perkara yang diambilkira
dalam indemniti:</span></u></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l23 level3 lfo8; tab-stops: list .5in; text-align: left; text-indent: -117.0pt; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sumbangan</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.0in; mso-list: l23 level4 lfo8; tab-stops: list 63.0pt; text-align: left; text-indent: -1.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jika
Insured ada 2 atau lebih polisi </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 63.0pt; mso-list: l23 level4 lfo8; tab-stops: list 63.0pt; text-align: left; text-indent: -27.0pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bila
risiko berlaku – gantirugi dibahagi sama rata antara syarikat insurans</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l23 level3 lfo8; text-align: left; text-indent: -117.0pt; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Subrogasi</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 135.0pt; mso-list: l14 level1 lfo11; tab-stops: list 63.0pt; text-align: left; text-indent: -99.0pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Selepas
terima gantirugi</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 135.0pt; mso-list: l14 level1 lfo11; tab-stops: list 63.0pt; text-align: left; text-indent: -99.0pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Aset
adalah milik insurer</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 135.0pt; mso-list: l14 level1 lfo11; tab-stops: list 63.0pt; text-align: left; text-indent: -99.0pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insured
tidak boleh tuntut lagi</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l23 level3 lfo8; tab-stops: list .5in; text-align: left; text-indent: -117.0pt; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Doktrin punca hampiran</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 135.0pt; mso-list: l17 level1 lfo12; tab-stops: list 63.0pt; text-align: left; text-indent: -99.0pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Gantirugi
hanya dibayar</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 135.0pt; mso-list: l17 level1 lfo12; tab-stops: list 63.0pt; text-align: left; text-indent: -99.0pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jika
risiko disebabkan secara langsung oleh</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 135.0pt; mso-list: l17 level1 lfo12; tab-stops: list 63.0pt; text-align: left; text-indent: -99.0pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Risiko
yang diinsuranskan</span></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<h1>
<i><span style="font-family: "Tahoma","sans-serif";">JENIS INSURANS</span></i></h1>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">INSURANS AM</span></b></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l8 level1 lfo13; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans
Kemalangan</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l8 level1 lfo13; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans
kebakaran</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l8 level1 lfo13; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans
marin/penerbangan/Perkapalan</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l8 level1 lfo13; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans
lain</span></li>
</ul>
<div class="MsoNormal" dir="RTL">
<br /></div>
<h1>
<span style="font-family: "Tahoma","sans-serif";">INSURANS HAYAT</span></h1>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l30 level1 lfo14; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans
hayat seumur Hidup</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l30 level1 lfo14; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans
hayat sementara</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l30 level1 lfo14; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans
endowmen</span></li>
</ul>
<div class="MsoNormal" dir="RTL">
<br /></div>
<h1>
<span style="font-family: "Tahoma","sans-serif";">JENIS INSURANS KEMALANGAN</span></h1>
<div class="MsoNormal" dir="RTL">
<br /></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l24 level1 lfo15; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans Kenderaan Bermotor</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dibahagi
kepada 2 jenis:</span></div>
<div class="MsoNormal" dir="RTL" style="margin-right: .5in;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l24 level2 lfo15; tab-stops: list 1.25in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">i)<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans motor pihak
ketiga</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l24 level3 lfo15; tab-stops: list 117.0pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Melindungi
insured dari tuntutan pihak ketiga</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pihak
ketiga ialah pengguna jalanraya</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l24 level3 lfo15; tab-stops: list 117.0pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insured
tidak boleh menuntut ganti rugi</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l24 level3 lfo15; tab-stops: list 117.0pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Premium
murah</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l24 level3 lfo15; tab-stops: list 117.0pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Semua
kenderaan wajib sekurang-kurangnya polisi ini</span></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l24 level2 lfo15; tab-stops: list 1.25in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">ii)<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans Motor
Komprehensif</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l28 level1 lfo16; tab-stops: list 1.25in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Melindungi
insured dan pihak ketiga</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l28 level1 lfo16; tab-stops: list 1.25in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Premium
lebih mahal</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l28 level1 lfo16; tab-stops: list 1.25in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kenderaan
yang disewa beli mesti ada polisi ini</span></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<ol start="2" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l24 level1 lfo15; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans Kemalangan Peribadi</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l18 level1 lfo17; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Melindungi
insured yang terlibat dalam kemalangan lain contohnya ditempat kerja.</span></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<ol start="3" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l24 level1 lfo15; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans Liabiliti Am</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l18 level1 lfo17; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Melindungi
pemilik perniagaan dari tuntutan orang awam</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l18 level1 lfo17; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jika
risiko berlaku dipremis</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l18 level1 lfo17; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans
Liabiliti Produk – melindungi pengeluar produk</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l18 level1 lfo17; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans
Liabiliti Profesional- melindungi<span style="mso-spacerun: yes;"> </span>dari
tuntutan orang awam</span></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<ol start="4" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l24 level1 lfo15; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans Liabiliti Majikan</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l27 level1 lfo18; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Melindungi
majikan dari tuntutan pekerja yang cedera/mati semasa kerja</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l27 level1 lfo18; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Premium
dibayar oleh majikan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l27 level1 lfo18; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Majikan
mencarum dalam Perkeso</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l27 level2 lfo18; tab-stops: list 1.25in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Skim
Pencen Ilat – perlindungan<span style="mso-spacerun: yes;"> </span>pekerja
hilang upaya yang bukan disebabkan pekerjaan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l27 level2 lfo18; tab-stops: list 1.25in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Skim
bencana pekerjaan-<span style="mso-spacerun: yes;"> </span>kemalangan tempat
kerja</span></div>
<div class="MsoNormal" dir="RTL" style="margin-right: 1.0in;">
<br /></div>
<ol start="5" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l24 level1 lfo15; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans Kebakaran</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l3 level1 lfo19; tab-stops: list 1.0in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Melindungi
peniaga dari<span style="mso-spacerun: yes;"> </span>risiko kebakaran</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l3 level1 lfo19; tab-stops: list 1.0in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Premium
bergantung kepada:</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l27 level2 lfo18; tab-stops: list 1.25in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jenis
bangunan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l27 level2 lfo18; tab-stops: list 1.25in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kedudukan
bangunan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l27 level2 lfo18; tab-stops: list 1.25in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kegunaan
bangunan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l27 level2 lfo18; tab-stops: list 1.25in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kemudahan<span style="mso-spacerun: yes;"> </span>keselamatan disediakan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l27 level2 lfo18; tab-stops: list 1.25in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tempoh
lindungan</span></div>
<h2>
<span style="font-family: "Tahoma","sans-serif";">Insurans Hayat</span></h2>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tujuan:</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l4 level1 lfo20; tab-stops: list 1.0in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menyediakan
pendapatan kepada waris</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l4 level1 lfo20; tab-stops: list 1.0in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cara
menabung untuk masa depan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l4 level1 lfo20; tab-stops: list 1.0in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dapat
balik simpanan dan bonus pada tarikh matang</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l4 level1 lfo20; tab-stops: list 1.0in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dapat
pampasan jika risiko berlaku</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l4 level1 lfo20; tab-stops: list 1.0in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
buat pinjaman setelah beberapa tahun</span></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<h1>
<span style="font-family: "Tahoma","sans-serif";">JENIS POLISI INSURANS HAYAT</span></h1>
<div class="MsoNormal" dir="RTL">
<br /></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l5 level1 lfo21; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans Hayat Seumur Hidup</span></b></li>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l5 level2 lfo21; tab-stops: list 1.0in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Premium
dibayar seumur hidup atau ada had tertentu</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l5 level2 lfo21; tab-stops: list 1.0in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pampasan
dibayar kepada waris jika insured mati</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l5 level2 lfo21; tab-stops: list 1.0in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jika
insured hilang upaya/kritikal – pampasan akan diberi</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l5 level2 lfo21; tab-stops: list 1.0in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Beri
perlindungan kepada waris</span></li>
</ul>
</ol>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="2" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l5 level1 lfo21; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans Endowmen</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l9 level1 lfo22; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bayar
premium untuk tempoh tertentu</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l9 level1 lfo22; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jika
tidak mati – wang dan bonus dapat balim pada tarikh matang</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l9 level1 lfo22; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jika
mati awal pampasan dibayar pada waris</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l9 level1 lfo22; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Satu
cara menabung</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<ol start="3" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l5 level1 lfo21; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans hayat Sementara</span></b></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l7 level1 lfo23; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Beri
perlindungan mengikut tempoh</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l7 level1 lfo23; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jika
mati waris dapat pampasan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l7 level1 lfo23; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jika
masih hidup premium hilang</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l7 level1 lfo23; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bukan
satu cara menabung</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; mso-list: l7 level1 lfo23; tab-stops: list .75in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Premium
murah</span></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<h1>
<span style="font-family: "Tahoma","sans-serif";">Insurans Penerbangan</span></h1>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l15 level1 lfo24; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Beri
perlindungan kepada kapal terbang /muatan/anak kapal dari risiko</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l15 level1 lfo24; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Diambil
untuk satu penerbangan atau satu tempoh tertentu</span></li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l26 level1 lfo25; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Untuk
penumpang ada insurans berkelompok</span></li>
</ul>
<h1>
<span style="font-family: "Tahoma","sans-serif";"> </span></h1>
<h1>
<span style="font-family: "Tahoma","sans-serif";">Insurans Marin</span></h1>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l15 level1 lfo24; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Beri
perlindungan kepada kapal/muatan/anak kapal dari risiko</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l15 level1 lfo24; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Diambil
untuk satu pelayaran atau satu tempoh tertentu</span></li>
</ul>
<div class="MsoBodyText">
<b><i><span style="font-family: "Tahoma","sans-serif";">Jenis
Insurans Lain:</span></i></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l0 level2 lfo30; tab-stops: list .5in; text-align: left; text-indent: -1.0in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans
Kecurian<span style="mso-spacerun: yes;"> </span>- melindungi dari kecurian
wang/harta</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l0 level2 lfo30; tab-stops: list .5in; text-align: left; text-indent: -1.0in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jaminan
Setia – melindungi majikan dari pekerja<span style="mso-spacerun: yes;">
</span>tidak amanah</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l0 level2 lfo30; tab-stops: list .5in; text-align: left; text-indent: -1.0in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans
kesihatan – perlindungan dari kos hospital</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l0 level2 lfo30; tab-stops: list .5in; text-align: left; text-indent: -1.0in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans
pendidikan – membiayai belanja pendidikan anak</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l0 level2 lfo30; tab-stops: list .5in; text-align: left; text-indent: -1.0in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Insurans
Gadaian – untuk<span style="mso-spacerun: yes;"> </span>orang yang buat pinjaman</span></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<h1>
<i><u><span style="font-family: "Tahoma","sans-serif";">INSURANS SECARA ISLAM</span></u></i></h1>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">KONSEP TAKAFUL:</span></b></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l2 level1 lfo26; tab-stops: list 27.0pt; text-align: justify; text-indent: -1.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Diuruskan
berdasarkan hokum syariah</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l2 level1 lfo26; tab-stops: list 27.0pt; text-align: justify; text-indent: -1.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Guna
3 prinsip insurans biasa, ditambah:</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l5 level3 lfo21; tab-stops: list .75in; text-align: justify; text-indent: -1.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mudharabah – Perkongsian
untung</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 117.0pt; mso-list: l5 level3 lfo21; tab-stops: list .75in; text-align: justify; text-indent: -1.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tabaruk – derma dengan
ikhlas/wujud dana bersama</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dijalankan
dengan asas:</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l16 level1 lfo31; tab-stops: list .75in; text-align: justify; text-indent: -81.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tiada
Gharar – ketidakpastian</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l16 level1 lfo31; tab-stops: list .75in; text-align: justify; text-indent: -81.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tiada
Maisir – perjudian</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l16 level1 lfo31; tab-stops: list .75in; text-align: justify; text-indent: -81.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tiada
Riba – faedah</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">PRODUK SKIM TAKAFUL</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">:</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Takaful
keluarga -<span style="mso-spacerun: yes;"> </span>seperti insurans hayat</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Takaful
Am – perlindungan kepada risiko lain spt kebakaran, kecurian, kemalangan</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">TATACARA MEMBELI INSURANS</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">:</span></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l13 level1 lfo28; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Hubungi
ejen </span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l13 level1 lfo28; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dapatkan
maklumat tentang polisi dan syarat</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l13 level1 lfo28; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dapatkan
borang, Isi dengan ‘Prinsip Penuh Percaya Mutlak’</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l13 level1 lfo28; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Turunkan
tanda tangan setelah persetujuan dicapai</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l13 level1 lfo28; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bayar
premium</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l13 level1 lfo28; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dapatkan
nota lindungan</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l13 level1 lfo28; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">dapatkan
polisi asal ( Dalam masa 1 bulan)</span></li>
</ol>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">TATACARA
MEMBUAT TUNTUTAN</span></b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">:</span></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l29 level1 lfo29; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bila
risiko berlaku: </span></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l20 level1 lfo27; tab-stops: list 1.25in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">buat
laporan polis, bomba/hospital</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l20 level1 lfo27; tab-stops: list 1.25in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">dapatkan
dokumentasi sebagai bukti</span></div>
<ol start="2" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l29 level1 lfo29; tab-stops: list .5in; text-align: left; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dapatkan
borang tuntutan dari insurer. Isikan butir:</span></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l20 level1 lfo27; tab-stops: list 1.25in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bila
/ Bagaimana berlaku</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l20 level1 lfo27; tab-stops: list 1.25in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
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</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Jumlah
kerugian</span></div>
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borang kepada insurer berserta:</span></li>
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</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Polisi
/ dokumen hak milik/geran</span></div>
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bukti / gambar –jika ada</span></div>
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buat siasatan samada:</span></li>
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tuntutan benar</span></div>
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</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Syarat
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<span lang="EN-GB"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Wujud
unsure pengkhinatan</span></div>
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semua OK , pampasan dibayar.</span></li>
</ol>
Anonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.comtag:blogger.com,1999:blog-676102689851723818.post-86772204060297951972013-07-25T23:48:00.001-07:002013-07-30T02:43:19.720-07:00 Bab 1 : Perbankan dan Institusi Kewangan<!--[if !mso]>
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<u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 18.0pt; mso-bidi-font-weight: bold;">PERBANKAN DAN INSTITUSI
KEWANGAN LAIN</span></u></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">SISTEM PERBANKAN
KONVENSIONAL</span><span style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sistem
perbankan British yang diubahsuai mengikut undang-undang dan peraturan yang
ditetapkan oleh Bank Negara Malaysia (BNM)</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Berlandaskan
prinsip komersial iaitu<span style="mso-spacerun: yes;"> </span>keuntungan dan
kecekapan</span></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">CIRI PERBANKAN
KONVENSIONAL</span><span style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l7 level1 lfo4; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Beri faedah atas simpanan</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l7 level1 lfo4; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kenakan faedah atas pinjaman</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l7 level1 lfo4; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Buat pelaburan</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l7 level1 lfo4; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Utamakan keuntungan</span></li>
</ol>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<br /></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">SISTEM PERBANKAN
ISLAM</span><span dir="LTR" style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Berlandaskan
prinsip Islam</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tiada
amalan riba dan faedah</span></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<br /></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">PERBEZAAN SISTEM
PERBANKAN KONVENSIONAL (SPK) DENGAN SISTEM PERBANKAN ISLAM (SPI)</span><span dir="LTR" style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 480;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295"><div align="center" class="MsoNormal" dir="RTL" style="text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">SPK</span></b><b style="mso-bidi-font-weight: normal;"><span dir="LTR" style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295"><div align="center" class="MsoNormal" dir="RTL" style="text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">SPI</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295"><div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Mengandungi unsur riba</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295"><div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- Mengharamkan
unsur riba</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295"><div align="right" class="MsoNormal" dir="RTL" style="margin-right: .5in; text-align: left; text-indent: -.5in;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
Tertakluk kepada peraturan BNM</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295"><div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- Tertakluk
kepada peraturan BNM dan</span></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>hukum syarak</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295"><div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Bebas melabur dalam semua sektor</span></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>termasuk perjudian</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295"><div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Melabur hanya di tempat halal /tidak </span></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>meragukan</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295"><div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Penasihat<span style="mso-spacerun: yes;">
</span>terdiri daripada pakar</span></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>perbankan konvensional sahaja</span><span dir="LTR" style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295"><div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Penasihat terdiri daripada ulama,ahli</span></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>akademik dan pakar perbankan Islam</span></div>
</td>
</tr>
</tbody></table>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<br /></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">JENIS BANK</span><span dir="LTR" style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l0 level1 lfo5; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bank pusat</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l0 level1 lfo5; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bank perdagangan dan<span style="mso-spacerun: yes;"> </span>Bank Islam</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l0 level1 lfo5; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bank Saudagar</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l0 level1 lfo5; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bank Badan Berkanun</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l0 level1 lfo5; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bank Koperasi</span></li>
</ol>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<br /></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">FUNGSI<span style="mso-spacerun: yes;"> </span>BANK NEGARA MALAYSIA</span><span dir="LTR" style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l1 level1 lfo6; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mengeluarkan dan mengawal mata
wang Negara</span></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">wang
kertas dan syiling</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kawal
kiriman wang ke luar Negara</span></div>
<ol start="2" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l1 level1 lfo6; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menjadi jurubank kepada kerajaan</span></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sediakan
khidmat kewangan kepada kerajaan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sebagai
penasihat pelaburan kerajaan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">jual
bil perbendaharaan / surat
jaminan kerajaan</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<ol start="3" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l1 level1 lfo6; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Laksanakan dasar kewangan
kerajaan</span></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">awasi
tahap kredit</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">tetapkan
nisbah rizab berkanun / aset mudah tunai</span></div>
<ol start="4" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l1 level1 lfo6; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menjadi jurubank kepada bank
perdagangan</span></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sumber
pinjaman terakhir</span></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<br /></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">FUNGSI BANK PERDAGANGAN</span><span dir="LTR" style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l11 level1 lfo7; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Terima simpanan - akaun simpanan
/ tetap/ semasa</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l11 level1 lfo7; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Beri kemudahan pembiayaan –
pinjaman / overdraf</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l11 level1 lfo7; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Beri kemudahan pembayaran –
pindahan kredit / arahan tetap</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l11 level1 lfo7; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Beri<span style="mso-spacerun: yes;"> </span>perkhidmatan lain – kad kredit / peti
simpanan selamat</span></li>
</ol>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<br /></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">FUNGSI BANK
SAUDAGAR</span><span dir="LTR" style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l9 level1 lfo8; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Terima simpanan dari syarikat
besar</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l9 level1 lfo8; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Beri pinjaman</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l9 level1 lfo8; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Beri khidmat nasihat korporat </span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l9 level1 lfo8; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Urus pelaburan syarikat berhad</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l9 level1 lfo8; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tangung jamin terbitan syer</span></li>
</ol>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<br /></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">FUNGSI BANK<span style="mso-spacerun: yes;"> </span>BADAN BERKANUN</span><span dir="LTR" style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l10 level1 lfo9; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bank Simpanan Nasional</span></u></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Terima
simpanan – akaun simpanan/tetap</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Beri
pinjaman – untuk beli rumah/kereta</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tawar
kad kredit – kad Visa Klasik /Kad Visa Emas</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sedia
perkhidmatan perbankan Islam- akaun simpanan Wadiah</span></div>
<div align="right" class="MsoNormal" dir="RTL" style="margin-right: .25in; text-align: left;">
<br /></div>
<ol start="2" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l10 level1 lfo9; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bank Pembangunan dan
Infrastruktur Malaysia
Berhad</span></u></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Biaya
aset tetap<span style="mso-spacerun: yes;"> </span>- tanah / bangunan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Biaya
modal kerja – beli bahan mentah/stok barang niaga</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sedia
skim kilang bimbingan – beri modal / khidmat nasihat</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sedia
tabung usahawan baru – bagi sektor pembuatan/pelancongan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sedia
modal asas untuk Industri Kecil dan Sederhana (IKS)</span></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<br /></div>
<ol start="3" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l10 level1 lfo9; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bank Pertanian Malaysia </span></u></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Beri
pinjaman – beli tanah/ mesin</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Terima
simpanan – akaun simpanan/tetap</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Beri
kemudahan sewa jentera</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list .75in; text-align: justify; text-indent: 0in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Anjur
kursus / latihan kepada usahawan bumiputera</span></div>
<div align="right" class="MsoNormal" dir="RTL" style="margin-right: .25in; text-align: left;">
<br /></div>
<div align="right" class="MsoNormal" dir="RTL" style="margin-right: .25in; text-align: left;">
<br /></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">FUNGSI BANK
KOPERASI</span><span dir="LTR" style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l5 level1 lfo10; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Terima simpanan</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l5 level1 lfo10; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Beri pinjaman</span></li>
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l5 level1 lfo10; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tawar perkhidmatan perbankan
Islam</span></li>
</ol>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<h3>
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; text-decoration: none; text-underline: none;">BANK ISLAM<span style="mso-spacerun: yes;">
</span></span></h3>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bank
Islam berdasarkan hukum Islam dan peraturan syariah.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt; mso-bidi-font-weight: bold;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Contoh
Bank Islam iaitu Bank Islam Malaysia Berhad (BIBM) dan Bank Muamalat Berhad.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt; mso-bidi-font-weight: bold;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">tertakluk
kepada Akta Bank Islam 1983.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt; mso-bidi-font-weight: bold;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Ciri
iaitu;</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level2 lfo2; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-weight: bold; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Riba
iaitu bunga atau faedah tidak dibenarkan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level2 lfo2; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-weight: bold; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mudharabah
dan musyarakah (amalkan konsep perkongsian untung rugi) </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level2 lfo2; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-weight: bold; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Maisir
iaitu perjudian tidak dibenarkan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">ada
tiga konsep:</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level2 lfo2; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Wadiah</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level2 lfo2; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mudharabah</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level2 lfo2; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Musyarakah</span></div>
<div class="MsoNormal" dir="RTL" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">PERKHIDMATAN BANK
PERDAGANGAN</span><span dir="LTR" style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<br /></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l2 level1 lfo11; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menerima simpanan</span></u></li>
</ol>
<div class="MsoNormal" style="direction: ltr; margin-left: 36.75pt; mso-list: l12 level1 lfo12; tab-stops: list 36.75pt; text-align: justify; text-indent: -.75pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">(a)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Akaun
Simpanan</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">amaun<span style="mso-spacerun: yes;"> </span>simpanan yang kecil</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">boleh
keluar bila-bila masa</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">dapat
faedah</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">dapat
kemudahan kad teller automatik</span></div>
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<br /></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">(b)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Akaun
Semasa</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sesuai
dibuka oleh peniaga</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dapat<span style="mso-spacerun: yes;"> </span>guna cek</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tidak
dapat faedah</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perkhidmatan
dikenakan caj</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
dapat kemudahan lain seperti overdraf /pindahan kredit</span></div>
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<br /></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">(c)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Akaun
Simpanan tetap </span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Simpanan
mengikut tempoh – 3 bulan/ 6bulan</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Simpanan
minimum ditetapkan oleh bank</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kadar
faedah<span style="mso-spacerun: yes;"> </span>lebih tinggi dari Akaun Simpanan
dan ikut tempoh</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bank
beri sijil simpanan tetap – tidak boleh pindah milik tetapi boleh dicagar</span></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<br /></div>
<ol start="2" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="direction: ltr; margin-left: .5in; margin-right: 0in; mso-list: l2 level1 lfo11; tab-stops: list .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;"><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kemudahan Pembayaran </span></u></li>
</ol>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">(a)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pindahan
kredit</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bayaran
terus ke akaun penerima</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh<span style="mso-spacerun: yes;"> </span>bayar kepada beberapa penerima dengan guna
sekeping cek</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list 1.25in; text-align: justify; text-indent: .5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sesuai
untuk bayar gaji / jelaskan hutang</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Selamat
dari risiko kehilangan cek / cek tak laku</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Hanya
sesuai untuk penerima yang ada akaun<span style="mso-spacerun: yes;"> </span>di
bank</span></div>
<div align="right" class="MsoNormal" dir="RTL" style="text-align: left;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 36.75pt; mso-list: l4 level1 lfo13; tab-stops: list 36.75pt; text-align: justify; text-indent: -.75pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">(b)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Arahan
tetap</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Arahan
bertulis oleh pemegang akaun kepada bank </span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Untuk
bayaran<span style="mso-spacerun: yes;"> </span>tetap /berkala seperti<span style="mso-spacerun: yes;"> </span>sewa / insurans</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l6 level1 lfo3; tab-stops: list 1.25in; text-align: justify; text-indent: .5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dapat
bayar secara konsisten / tepat masa </span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tidak
perlu ingat tarikh bayaran</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Elak
dikenakan surat
peringatan tidak membayar hutang</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">(c)
<span style="mso-tab-count: 1;"> </span>Pindahan elektronik/ telegraf / mel</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; tab-stops: right 1.25in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>i.<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span>Pindahan
elektronik</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;">
</span>-<span style="mso-spacerun: yes;"> </span>cara membayar<span style="mso-spacerun: yes;"> </span>paling pantas</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;">
</span>-<span style="mso-spacerun: yes;"> </span>wang boleh dipindahkan dari
akaun pelanggan kepada <span style="mso-tab-count: 3;"> </span>akaun
pemiutang di mana-mana bank secara on-line / guna kad <span style="mso-tab-count: 2;"> </span>ATM</span></div>
<div class="MsoNormal" style="direction: ltr; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: 379.3pt; margin-top: 0in; tab-stops: right 1.0in 1.25in; text-align: left; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span>ii. <span style="mso-tab-count: 1;"> </span>Pindahan
telegraf</span><span style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l6 level1 lfo3; tab-stops: list 1.5in; text-align: left; text-indent: -27.0pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cara
bayaran<span style="mso-spacerun: yes;"> </span>pantas ke luar Negara</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l6 level1 lfo3; tab-stops: list 1.5in; text-align: left; text-indent: -27.0pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bank
arah bayaran dibuat<span style="mso-spacerun: yes;"> </span>melalui teleks<span style="mso-spacerun: yes;"> </span>ke cawangannya di luar Negara</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l6 level1 lfo3; tab-stops: list 1.5in; text-align: left; text-indent: -27.0pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pelanggan
dikenakan komisen/caj</span></div>
<div class="MsoNormal" style="direction: ltr; margin-right: 63.0pt; text-align: left; text-indent: 1.0in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">iii.
Pindahan mel</span><span style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l6 level1 lfo3; tab-stops: list 1.5in; text-align: left; text-indent: -27.0pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sama
seperti pindahan telegraf, cuma arahan dihantar melalui mel</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">(d)<span style="mso-tab-count: 1;"> </span>Draf Bank</span><span style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cek
yang dikeluarkan oleh bank atas permintaan pelanggan </span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Untuk
bayar hutang/bil tertentu</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Bayaran<span style="mso-spacerun: yes;"> </span>terjamin</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Draf
bank boleh dipalang- tidak boleh ditunai tetapi<span style="mso-spacerun: yes;">
</span>mesti <span style="mso-tab-count: 2;"> </span>didepositkan
dalam akaun penerima</span></div>
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<br /></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">(e)
<span style="mso-tab-count: 1;"> </span>Cek Jurubank</span><span style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dikenali
sebagai perintah juruwang</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perintah
yang dikeluarkan oleh bank atas arahan pelanggan untuk bayaran<span style="mso-spacerun: yes;"> </span>tertentu kepada penerima<span style="mso-spacerun: yes;"> </span>dalam daerah yang sama</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kena
bayar komisen</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cara
selamat buat bayaran dalam amaun yang besar</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cara
bayaran yang meyakinkan penerima </span></div>
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<span dir="LTR" lang="EN-GB" style="font-family: "Tahoma","sans-serif";">3.<span style="mso-spacerun: yes;"> </span><u>Kemudahan Pembiayaan</u></span><span dir="LTR" style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">(a)<span style="mso-tab-count: 1;"> </span>Pinjaman</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span>Wang yang dipinjam oleh bank kepada
pelanggannya setelah memenuhi syarat</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span>Contoh: pinjaman untuk beli tanah/ bangunan</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span>Kelulusan berdasarkan nilai
cagaran/kemampuan bayar balik</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span>Dikenakan faedah</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span>Faedah atas pinjaman bergantung kepada
tempoh <span style="mso-tab-count: 2;"> </span>pinjaman/cagaran</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;">
</span>Dua bentuk pinjaman : Pinjaman bercagar dan Pinjaman tidak <span style="mso-tab-count: 3;"> </span>bercagar</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;">
</span>Pinjaman bercagar – ada cagaran yang nilainya lebih tinggi dari <span style="mso-tab-count: 2;"> </span>nilai pinjaman seperti geran
tanah /geran rumah</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;">
</span>Pinjaman tidak bercagar – tiada cagaran hanya bergantung kepada <span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span>kepercayaan
bank dan pihak penjamin</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">(b)<span style="mso-tab-count: 1;"> </span>Overdraf</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;">
</span>Satu bentuk wang pendahuluan</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;">
</span>Cara mudah/segera pinjam wang dari bank oleh pemegang akaun <span style="mso-tab-count: 2;"> </span>semasa</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;">
</span>Boleh keluarkan wang lebih dari jumlah yang ada dalam akaunnya</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>-<span style="mso-spacerun: yes;">
</span>Faedah dikenakan terhadap amaun overdraf yang digunakan <span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;"> </span>mengikut kadar harian</span></div>
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<u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; mso-bidi-font-weight: bold;">FAKTOR
YANG DIPERTIMBANGKAN UNTUK MENDAPAT PINJAMAN DAN OVERDRAF</span></u></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">i.<span style="mso-spacerun: yes;"> </span>Tujuan pinjaman / overdraf</span><span style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>mesti sesuai dengan syarat bank/ perlaburan
yang berpotensi</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">ii.<span style="mso-spacerun: yes;"> </span>Kedudukan kewangan</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>-<span style="mso-spacerun: yes;">
</span>baik/boleh dipercayai</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">iii.<span style="mso-spacerun: yes;"> </span>Nilai cagaran</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>mesti lebih tinggi daripada jumlah pinjaman</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">iv. Dasar bank pusat</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>Utamakan Industri Kecil dan Sederhana (IKS)</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">4.<span style="mso-tab-count: 1;"> </span><u>Perkhidmatan Lain</u></span><span style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>(a)<span style="mso-tab-count: 1;"> </span>Kad Kredit</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-tab-count: 2;"> </span>sejenis kad yang bolehkan pemiliknya
membeli-belah tanpa<span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 3;"> </span><span style="mso-tab-count: 1;"> </span>wang <span style="mso-tab-count: 1;"> </span>tunai</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-tab-count: 1;"> </span>pemilik kad berhutang dengan pihak bank</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
<span style="mso-tab-count: 1;"> </span>dikenakan caj perkhidmatan</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
<span style="mso-tab-count: 1;"> </span>boleh<span style="mso-spacerun: yes;"> </span>juga digunakan untuk bayar sewa hotel /
tempah tiket <span style="mso-tab-count: 2;"> </span><span style="mso-tab-count: 1;"> </span>penerbangan</span></div>
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<br /></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">(b)<span style="mso-tab-count: 1;"> </span>Peti
simpanan selamat</span><span style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-tab-count: 1;"> </span>Untuk
simpan barang berharga seperti<span style="mso-spacerun: yes;"> </span>barang
kemas/geran <span style="mso-tab-count: 2;"> </span><span style="mso-tab-count: 1;"> </span>tanah</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-tab-count: 1;"> </span>Dikenakan
caj</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">(c) <span style="mso-tab-count: 1;"> </span>Perbankan
elektronik (e-banking)</span><span style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-tab-count: 1;"> </span>Urusniaga
melalui komputer peribadi/telefon bimbit<span style="mso-spacerun: yes;">
</span></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-tab-count: 1;"> </span>pantas/mudah/
jimatkan kos</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>(d) <span style="mso-tab-count: 1;"> </span>Tukaran
mata wang asing </span><span style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">- <span style="mso-tab-count: 1;"> </span>contoh:
Ringgit Malaysia<span style="mso-spacerun: yes;"> </span>tukar kepada Yen Jepun</span></div>
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<br /></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">(e)
<span style="mso-tab-count: 1;"> </span>Cek Kembara</span><span style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
<span style="mso-tab-count: 1;"> </span>dijual kepada pelanggan yang hendak
ke luar negara</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
<span style="mso-tab-count: 1;"> </span>tidak perlu bawa wang dengan
banyak/ elak risiko kecurian</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
<span style="mso-tab-count: 1;"> </span>dijual dalam mata wang Dolar
Amerika / Yen Jepun</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
<span style="mso-tab-count: 1;"> </span>boleh ditunai<span style="mso-spacerun: yes;"> </span>serta-merta /di mana-mana cawangan bank di <span style="mso-tab-count: 2;"> </span><span style="mso-tab-count: 1;"> </span>negara asing</span></div>
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<br /></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">(f)
<span style="mso-tab-count: 1;"> </span>Jaminan jurubank</span><span style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
<span style="mso-tab-count: 1;"> </span>Jaminan bank kepada pihak tertentu
bahawa bank akan <span style="mso-tab-count: 3;"> </span><span style="mso-tab-count: 1;"> </span>membayar segala hutang
pelanggannya<span style="mso-spacerun: yes;"> </span>jika pelanggannya <span style="mso-tab-count: 4;"> </span>tidak siapkan
projek / jelaskan hutang</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
<span style="mso-tab-count: 1;"> </span>Perlu<span style="mso-spacerun: yes;"> </span>beri deposit kepada bank untuk dapatkan
jaminan</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
<span style="mso-tab-count: 1;"> </span>Deposit ini akan digunakan oleh
bank untuk membayar hutang <span style="mso-tab-count: 3;"> </span>jika
pelanggan tidak dapat siapkan projek</span></div>
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<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; text-indent: .5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>(g)<span style="mso-tab-count: 1;"> </span>
Perbankan Islam</span><span style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-
<span style="mso-tab-count: 1;"> </span>Terima simpanan - Akaun Simpanan
Wadiah/Akaun Semasa <span style="mso-tab-count: 3;"> </span><span style="mso-tab-count: 1;"> </span>Wadiah/Akaun Pelaburan Mudharabah</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>Beri
kemudahan pembiayaan – Ijarah / Al Rahnu</span></div>
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<br /></div>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 16.0pt;">CEK</span></b></h3>
<h3>
<b><span style="font-family: "Tahoma","sans-serif";"><span style="text-decoration: none;"> </span></span></b></h3>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Maksud
Cek</span></b><b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; text-decoration: none; text-underline: none;"><span style="mso-spacerun: yes;">
</span></span></b><b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;"></span></b></h3>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Dokumen
perintah bertulis</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">oleh
penyimpan akaun semasa</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kepada
pihak bank dan mengarahkannya untuk membuat bayaran</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sejumlah
wang tertentu</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">pada
tarikh tertentu</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kepada
menerima atau pembawa cek apabila dituntut.</span></div>
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<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Pihak-pihak
Dalam Sekeping Cek</span></b></h3>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pesuruh
bayar<span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>bank
yang mengeluarkan cek</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Penyuruh
bayar<span style="mso-tab-count: 1;"> </span>-<span style="mso-tab-count: 1;"> </span>orang
/ pihak yang menandatangani cek</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level2 lfo2; tab-stops: list 1.25in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Penerima
<span style="mso-tab-count: 2;"> </span>-<span style="mso-tab-count: 1;"> </span>orang / pihak yang menerima bayaran </span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">[orang
/ pihak yang namanya tercatat pada <span style="mso-tab-count: 2;"> </span>cek]</span></div>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;"><span style="text-decoration: none;"> </span></span></b></h3>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Jenis
Cek</span></b></h3>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">terdapat
dua jenis iaitu;</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cek
terbuka</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cek
berpalang</span></div>
<h3 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;"><span style="text-decoration: none;"> </span></span></b></h3>
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<br /></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<div class="MsoNormal" dir="RTL">
<br /></div>
<h3 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Contoh Cek dan Maklumat
dalam Cek</span></b></h3>
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<br /></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; font-size: 10.0pt;"><span style="mso-tab-count: 7;"> </span><span style="mso-spacerun: yes;"> </span>Perkataan “atau pembawa”</span></div>
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<br /></div>
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<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 3.0in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span style="mso-ignore: vglayout; position: relative; z-index: 251666944;"><span style="height: 195px; left: 0px; left: 438px; position: absolute; top: -26px; width: 12px;"><img height="195" src="file:///C:\DOCUME~1\user\LOCALS~1\Temp\msohtmlclip1\01\clip_image001.gif" width="12" /></span></span><span lang="EN-GB" style="font-family: "Arial","sans-serif"; font-size: 10.0pt;"><span style="mso-spacerun: yes;"> </span>Bukti duti setem</span><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-ansi-language: EN-US;"></span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; font-size: 10.0pt;"><span style="mso-spacerun: yes;"> </span>Alamat<span style="mso-spacerun: yes;">
</span>Bank<span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;"> </span>Nama Bank<span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;">
</span>telah dibayar<span style="mso-tab-count: 2;"> </span>Kod
bank<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span>Tarikh</span></div>
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<span style="mso-ignore: vglayout;">
</span></div>
<table align="left" cellpadding="0" cellspacing="0">
<tbody>
<tr>
<td height="1" width="18"><br /></td>
</tr>
<tr>
<td><br /></td>
<td><img height="444" src="file:///C:\DOCUME~1\user\LOCALS~1\Temp\msohtmlclip1\01\clip_image002.gif" width="607" /></td>
</tr>
</tbody></table>
<span lang="EN-GB" style="font-family: "Arial","sans-serif"; font-size: 10.0pt;"> </span>
<br />
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
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<br clear="ALL" style="mso-ignore: vglayout;" />
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; font-size: 10.0pt;"><span style="mso-tab-count: 9;"> </span><span style="mso-spacerun: yes;"> </span>Kod</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; font-size: 10.0pt;"><span style="mso-tab-count: 9;"> </span><span style="mso-spacerun: yes;"> </span>Urusniaga</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; font-size: 10.0pt;"><span style="mso-tab-count: 3;"> </span>Nombor
cek<span style="mso-tab-count: 2;"> </span>Jumlah dalam<span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;">
</span></span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; font-size: 10.0pt;">Nama penerima<span style="mso-tab-count: 5;"> </span><span style="mso-spacerun: yes;"> </span>perkataan<span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;"> </span>Tanda tangan</span></div>
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<span lang="EN-GB" style="font-family: "Arial","sans-serif"; font-size: 10.0pt;"><span style="mso-tab-count: 5;"> </span>Kod
Bank<span style="mso-tab-count: 2;"> </span>Nombor
akaun<span style="mso-spacerun: yes;"> </span>penyuruhbayar</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Arial","sans-serif"; font-size: 10.0pt;"><span style="mso-tab-count: 7;"> </span><span style="mso-spacerun: yes;"> </span>penyuruh bayar</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span style="height: 12px; left: 0px; margin-left: 562px; margin-top: 1px; mso-ignore: vglayout; position: absolute; width: 63px; z-index: 251671040;"><img height="12" src="file:///C:\DOCUME~1\user\LOCALS~1\Temp\msohtmlclip1\01\clip_image003.gif" width="63" /></span><span lang="EN-GB" style="font-family: "Arial","sans-serif"; font-size: 10.0pt;"><span style="mso-tab-count: 7;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span>Jumlah dalam angka</span></div>
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<br /></div>
<h3 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Cek Terbuka</span></b></h3>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">ada
dua jenis iaitu;</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level2 lfo2; tab-stops: list 81.0pt; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cek
Pembawa</span></u></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: justify; text-indent: 45.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">ada
perkataan “atau pembawa” yang tidak dipotong</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: justify; text-indent: 45.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cek
ini boleh ditunaikan di kaunter bank oleh penerima atau <span style="mso-tab-count: 3;"> </span>sesiapa sahaja</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l3 level1 lfo2; tab-stops: list 1.5in; text-align: justify; text-indent: -27.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">nama
penerima boleh diganti dengan perkataan<span style="mso-spacerun: yes;">
</span>“Tunai”<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: justify; text-indent: 45.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cek
ini tidak selamat</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level2 lfo2; tab-stops: list 81.0pt; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cek
Perintah</span></u></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: justify; text-indent: 45.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">perkataan
“atau pembawa” telah dipotong</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l3 level1 lfo2; tab-stops: list 1.5in; text-align: justify; text-indent: -27.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">boleh
ditunaikan oleh penerima di kaunter bank dengan menunjukkan kad pengenalan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l3 level1 lfo2; tab-stops: list 1.5in; text-align: justify; text-indent: -27.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">boleh
dimasukkan ke dalam akaun penerima</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l3 level1 lfo2; tab-stops: list 1.5in; text-align: justify; text-indent: -27.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">masih
kurang selamat</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 81.0pt; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<h3 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Cek Berpalang</span></b></h3>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cek
yang mempunyai dua garisan selari melintangi permukaannya sama ada
ditengah-tengah atau di penjuru atas sebelah kiri</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cek
tidak boleh ditunaikan di kaunter bank</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mesti
dimasukkan ke dalam akaun bank</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cek
ini lebih selamat</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">ada
tiga jenis iaitu;</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level2 lfo2; tab-stops: list 81.0pt; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cek
Berpalang Am</span></u></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; text-align: justify; text-indent: 45.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-tab-count: 1;"> </span>ada 3 jenis iaitu dalam palang;</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-ascii-font-family: Tahoma; mso-bidi-font-family: Tahoma; mso-char-type: symbol; mso-hansi-font-family: Tahoma; mso-symbol-font-family: Wingdings;"><span style="mso-char-type: symbol; mso-symbol-font-family: Wingdings;">à</span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>tidak ditulis dengan sebarang perkataan</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-indent: 1.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-ascii-font-family: Tahoma; mso-bidi-font-family: Tahoma; mso-char-type: symbol; mso-hansi-font-family: Tahoma; mso-symbol-font-family: Wingdings;"><span style="mso-char-type: symbol; mso-symbol-font-family: Wingdings;">à</span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>ada perkataan<span style="mso-spacerun: yes;"> </span>“& Co.”</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.75in; mso-list: l8 level3 lfo1; tab-stops: list 1.75in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">à<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>ada perkataan “Tak Boleh Niaga”</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.75in; mso-list: l8 level3 lfo1; tab-stops: list 1.75in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">à<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>tidak boleh dipindah milik </span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level2 lfo2; tab-stops: list 81.0pt; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cek
Berpalang Khas</span></u></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.5in; mso-list: l3 level1 lfo2; tab-stops: list 1.5in; text-align: justify; text-indent: -27.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">penerima
cek mesti memasukkan cek ini ke dalam akaun bank yang dinyatakan dalam palang</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: justify; text-indent: 45.0pt; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">contoh:</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level2 lfo2; tab-stops: list 1.25in; text-align: justify; text-indent: .25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">jika
dalam palang ada tulis “Maybank”</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; mso-list: l3 level9 lfo2; tab-stops: list 2.5in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">à<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">penerima cek / sidibayar
mesti masukkan cek ini ke dalam akaunnya di mana-mana cawangan Maybank</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level2 lfo2; tab-stops: list 1.25in; text-align: justify; text-indent: .25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">jika
dalam palang ada tulis “Maybank , Tapah”</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 2.5in; text-align: justify; text-indent: -.5in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Wingdings; mso-ascii-font-family: Tahoma; mso-bidi-font-family: Tahoma; mso-char-type: symbol; mso-hansi-font-family: Tahoma; mso-symbol-font-family: Wingdings;"><span style="mso-char-type: symbol; mso-symbol-font-family: Wingdings;">à</span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>penerima cek / sidibayar mesti masukkan
cek ini ke dalam akaunnya <u>hanya</u> di Maybank Tapah.</span></div>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<u><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; font-style: normal;"><span style="text-decoration: none;"> </span></span></u></h2>
<h2 style="text-align: justify; text-justify: kashida; text-kashida: 0%;">
<u><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; font-style: normal;">Perbezaan
Cek Terbuka dengan Cek Berpalang</span></u></h2>
<div class="MsoNormal" dir="RTL">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 480;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308"><div align="center" class="MsoNormal" style="direction: ltr; text-align: center; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">CEK
TERBUKA</span><span style="font-family: "Tahoma","sans-serif"; mso-ansi-language: EN-US;"></span></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308"><div align="center" class="MsoNormal" style="direction: ltr; text-align: center; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">CEK
BERPALANG</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308"><div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">1.<span style="mso-spacerun: yes;"> </span>Tiada garisan selari pada muka cek<span style="mso-spacerun: yes;"> </span></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308"><div class="MsoNormal" style="direction: ltr; margin-left: 20.95pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">1.<span style="mso-spacerun: yes;"> </span>Ada dua garisan selari
pada muka cek<span style="mso-spacerun: yes;"> </span></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308"><div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: justify; text-indent: -.25in; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">2.<span style="mso-spacerun: yes;"> </span>Boleh ditunaikan dikaunter bank </span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308"><div class="MsoNormal" style="direction: ltr; margin-left: 20.95pt; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">2.<span style="mso-spacerun: yes;"> </span>Mesti
didepositkan dalam akaun </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: -15.05pt; unicode-bidi: embed;">
<br /></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308"><div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">3.<span style="mso-spacerun: yes;"> </span>Tidak selamat<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 231.05pt;" valign="top" width="308"><div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: -15.05pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">3.<span style="mso-spacerun: yes;"> </span>Selamat kerana cek boleh ditahan
pembayaran<span style="mso-spacerun: yes;"> </span></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Sebab
Cek Berpalang dibuat</span></b><b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; text-decoration: none; text-underline: none;"><span style="mso-spacerun: yes;"> </span></span></b><b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;"></span></b></h3>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Penyuruh
bayar tidak mahu cek itu ditunaikan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cek
hendak dimasukkan kedalam akaun bank tertentu</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Untuk
menjadikan cek lebih selamat</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Apabila
penerima tidak mahu cek terbuka</span></div>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Kelebihan
Cek sebagai alat pembayaran<span style="mso-spacerun: yes;"> </span></span></b></h3>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Mudah
digunakan kerana boleh guna untuk sebarang nilai</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Tidak
perlu mengira wang tunai</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
dihantar melalui pos</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Selamat<span style="mso-spacerun: yes;"> </span>kerana tidak perlu membawa wang tunai</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Selamat
digunakan kerana telah berpalang / elak risiko kecurian</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Sebagai
bukti pembayaran</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
tangguh pembayaran dengan penggunaan cek bertarikh hadapan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Murah
jika dibandingkan dengan cara bayaran lain</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
batalkan pembayaran</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Kekurangan
<span style="mso-spacerun: yes;"> </span>Cek sebagai alat pembayaran<span style="mso-spacerun: yes;"> </span></span></b></h3>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cek
bukan wang sah </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">hanya
boleh digunakan jika penerima mahu menerimanya</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Lambatkan
proses terima wang</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">penerima
cek terima wang bila cek telah ddijelaskan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Penerima
cek perlu bayar komisen</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Boleh
berlakunya penipuan / pemalsuan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kerana
butir dalam cek boleh dicetak / tanda tangan boleh ditiru</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Penerima
cek terima cek tak layan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">hutang
tidak dapat dikutip / peniaga rugi</span></div>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 16.0pt;"><span style="text-decoration: none;"> </span></span></b></h3>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 16.0pt;">Lain-lain
Jenis Cek</span></b></h3>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Cek
Bertarikh Hadapan</span></b></h3>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cek
yang ditulis dengan tarikh akan datang<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">contoh:
cek dikeluarkan pada<span style="mso-spacerun: yes;"> </span>7.1.2004<span style="mso-spacerun: yes;"> </span>tetapi ditulis dengan tarikh 31.1.2004</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">penerima
akan hanya terima bayaran pada atau selepas tarikh matang</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">dalam
contoh di atas penerima akan hanya menerima bayaran pada atau selepas
31.12.2004</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sebelum
tarikh matang, cek ini menjadi cek tak laku</span></div>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;"><span style="text-decoration: none;"> </span></span></b></h3>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Cek
Mati</span></b></h3>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cek
yang tempoh pembayarannya telah tamat</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">biasanya
cek bank perdagangan laku dalam tempoh 6 bulan manakala cek Bank Negara laku
dalam tempoh 3 bulan dari tarikh cek dikeluarkan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">contoh:
Cek Bank Negara yang dikeluarkan pada 1.1.2004 akan menjadi cek mati mulai
pada<span style="mso-spacerun: yes;"> </span>1.4.2004</span></div>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;"><span style="text-decoration: none;"> </span></span></b></h3>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Cek
Dalaman</span></b></h3>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cek
yang<span style="mso-spacerun: yes;"> </span>dikeluarkan kepada penerima yang
juga mempunyai akaun di bank yang sama dengan penyuruh bayar</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cek
boleh ditunaikan serta merta dikaunter bank</span></div>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Cek
Bertanda</span></b></h3>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">penerima
cek dijamin akan menerima bayaran sehingga tarikh tertentu</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">perkataan
“Baik untuk pembayaran sehingga<span style="mso-spacerun: yes;"> </span>………..”
akan ditulis pada muka cek</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.0in; mso-list: l3 level1 lfo2; text-align: left; text-indent: -.75in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">contoh:
“Baik untuk pembayaran sehingga 3.3.2002”<span style="mso-spacerun: yes;">
</span>[penerima cek dijamin akan mendapat bayaran sehingga tarikh 3.3.2002] </span></div>
<div class="MsoNormal" style="direction: ltr; text-align: justify; text-justify: kashida; text-kashida: 0%; unicode-bidi: embed;">
<br /></div>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Cek
Kosong</span></b></h3>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cek
yang telah diisi maklumat dengan lengkap dan ditanda tangani KECUALI amaun
jumlah dalam perkataan dan angka</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cek
ini digunakan apabila penyuruh bayar tidak tahu jumlah bayaran yang sepatutnya
dibayar kepada sidibayar</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sebagai
langkah keselamatan, perkataan “tidak melebihi<span style="mso-spacerun: yes;">
</span>RM…….” akan ditulis pada cek</span></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Cek Tak
laku</span></b><b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; text-decoration: none; text-underline: none;"><span style="mso-spacerun: yes;">
</span></span></b></h3>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cek
yang tidak diterima oleh bank untuk pembayaran</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sebab
cek menjadi cek tak laku:</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cek
bertarikh hadapan </span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cek
kotor/rosak/koyak</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cek
kosong</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">cek
mati</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level2 lfo2; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">jumlah
dalam angka dan perkataan tak sama</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">baki
dalam akaun penyuruh bayar tidak cukup</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">penyuruh
bayar mati / gila / muflis sebelum cek ditunaikan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level2 lfo2; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">tiada
tanda tangan penyuruh bayar</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">penyuruh
bayar membatalkan cek yang dikeluarkan</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">tanda
tangan pada cek tidak sama dengan kad contoh tandatangan</span></div>
<h3>
<b><span lang="EN-GB" style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-ansi-language: EN-GB;"><span style="text-decoration: none;"> </span></span></b></h3>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Kebaikan
Cek berbanding Kad Kredit</span></b><b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; text-decoration: none; text-underline: none;"><span style="mso-spacerun: yes;"> </span></span></b><b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;"></span></b></h3>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cek
</span></i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mudah
digunakan kerana tidak mengunakan alat teknikal</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">manakala
<i>Kad kredit</i> perlukan alat khas atau untuk perniagaan tertentu <span style="mso-tab-count: 1;"> </span>sahaja.</span><span dir="RTL" lang="AR-SA" style="font-family: "Tahoma","sans-serif";"></span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cek</span></i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> boleh digunakan pada
bila-bila masa tanpa mengikut waktu perniagaan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">manakala
<i>Kad kredit</i> mengikut waktu perniagaan</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cek</span></i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> tidak ada had jumlah
kerana tidak ada kredit limit</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">manakala
<i>Kad kredit</i> ada kedit limit yang berdasarkan pendapatan pemilik</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cek</span></i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";"> selamat digunakan kerana
boleh dipalang atau boleh ditahan pembayarannya</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">manakala
<i>Kad kredit</i> tidak boleh dibatalkan</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cek
</span></i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">boleh
keluar cek lewat tarikh dan dapat kredit tanpa caj</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">manakala
<i>Kad kredit</i> kena caj.</span></div>
<h3>
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;"><span style="text-decoration: none;"> </span></span></h3>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Kebaikan
Cek Kembara Berbanding Cek</span></b><b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; text-decoration: none; text-underline: none;"><span style="mso-spacerun: yes;"> </span></span></b></h3>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cek
Kembara</span></i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">
boleh ditunaikan dimana-mana bank di luar negeri</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 45.0pt; text-align: left; text-indent: -9.0pt; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">manakala
<i>Cek</i> hanya boleh ditunai sekiranya bank (pesuruhbayar) mempunyai cawangan
di luar negeri.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cek
Kembara</span></i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">
diterima oleh pelbagai pihak selain bank </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kerana
terjamin pembayarannya</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">oleh
itu boleh ditunai bila-bila masa </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">manakala
<i>Cek</i> hanya di terima pihak bank sahaja</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">dan
boleh ditunai pada waktu pejabat sahaja.</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cek
Kembara</span></i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">
mudah ditunaikan/serta merta</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">manakala
<i>Cek</i> perlu tempoh penjelasan/lambat</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Cek
Kembara</span></i><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">
laku sepanjang masa</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">manakala
<i>Cek</i> mempunyai had tempoh lakunya/contoh 3 bulan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .25in; text-align: left; unicode-bidi: embed;">
<br /></div>
<div class="MsoHeader" style="tab-stops: .5in;">
<br /></div>
<div class="MsoHeader" style="tab-stops: .5in;">
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 16.0pt;">Sumber Kewangan Lain</span></b></div>
<div class="MsoNormal" style="direction: ltr; text-align: left; unicode-bidi: embed;">
<br /></div>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Syarikat
Kewangan</span></b><b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; text-decoration: none; text-underline: none;"><span style="mso-spacerun: yes;">
</span></span></b><b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;"></span></b></h3>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">tidak
menyediakan akaun semasa</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .5in; mso-list: l3 level1 lfo2; tab-stops: list .5in; text-align: left; text-indent: -.25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">perkhidmatan
yang disediakan;</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level2 lfo2; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menerima
simpanan</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">dalam
bentuk akaun simpanan dan akaun simpanan tetap</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level2 lfo2; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Membiayai
/ memberi pinjaman peribadi , pinjaman perumahan dan pinjaman sewa beli</span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: 1.25in; mso-list: l3 level2 lfo2; tab-stops: list 1.0in; text-align: left; text-indent: -.5in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Menyewakan
aset / menyediakan pajakan </span></div>
<div class="MsoNormal" style="direction: ltr; margin-left: .75in; text-align: left; text-indent: .25in; unicode-bidi: embed;">
<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">dalam
bentuk bangunan / ruangan pejabat</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Melabur
dalam pasaran kewangan dan perniagaan</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Pembiayaan
pajakan , projek perumahan dan pelaburan individu</span></div>
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<span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">-<span style="mso-tab-count: 1;"> </span>contoh: Public Finance , Maybank Finance</span></div>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;"><span style="text-decoration: none;"> </span></span></b></h3>
<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Syarikat
Pajakan </span></b></h3>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Perjanjian
antara syarikat pajak dengan pemajak bagi menyewa satu aset tertentu yang
diperolehi daripada penjual</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">pemajak
perlu membayar sewa sepanjang tempoh pajakan</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">sepanjang
tempoh pajakan / sewaan, aset (mesin) itu adalah kepunyaaan syarikat pajakan.</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">contoh
aset yang biasa dipajak seperti mesin, kenderaan dan premis</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">contoh
syarikat pajakan :<span style="mso-spacerun: yes;"> </span>Sunsea Credit & Leasing
Sdn. Bhd.</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kebaikan:</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">dapat
menggunakan aset tanpa mengeluarkan modal</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">boleh
mendapatkan aset tanpa cagaran</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">merupakan
satu sumber modal tambahan</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mengurangkan
pembayaran cukai</span></div>
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<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Syarikat
Pemfaktoran</span></b></h3>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">peniaga
boleh menjual akaun belum terimanya / invois kepada syarikat pemfaktoran /
bank<span style="mso-spacerun: yes;"> </span>untuk mendapatkan wang tunai dengan
segera</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">jumlah
wang tunai yang diterima oleh peniaga adalah jumlah nilai akaun belum terima /
invois<span style="mso-spacerun: yes;"> </span>setelah ditolak kadar faedah dan
bayaran perkhidmatan antara 1 – 2 peratus atas nilai aset akaun belum terima /
invois</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">contoh
syarikat pemfaktoran : Public Leasing and Factoring Sdn. Bhd.</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">kebaikan:</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">boleh
mendapat wang tunai dengan segera</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">dapat
mengelakkan risiko hutang lapuk</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">mengatasi
masalah aliran tunai</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">tidak
perlu lagi mengawasi akaun belum terima </span></div>
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<h3>
<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">Syarikat
Jaminan Kredit Malaysia</span></b></h3>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">milik
bersama Bank Negara Malaysia
dengan semua bank perdagangan</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">ditubuhkan<span style="mso-spacerun: yes;"> </span>untuk bantu<span style="mso-spacerun: yes;">
</span>peniaga kecil mendapatkan pinjaman dari bank perdagangan</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">syarikat
ini tidak beri pinjaman tetapi bertindak memberi khidmat nasihat dan jaminan
kepada pinjaman yang telah diluluskan</span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">peminjam
boleh terdiri daripada individu, perkongsian, syarikat sdn.bhd., koperasi dan
pertubuhan </span></div>
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<span lang="EN-GB" style="font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">Kebaikan:</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">bank
perdagangan tidak perlu risau risiko hutang lapuk dari pinjaman</span></div>
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<span lang="EN-GB" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="EN-GB" style="font-family: "Tahoma","sans-serif";">peminjam
(peniaga) boleh dapat pinjaman tanpa cagaran yang banyak</span></div>
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<h3>
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;"><span style="text-decoration: none;"> </span></span></h3>
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Anonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.comtag:blogger.com,1999:blog-676102689851723818.post-323059459705468872013-07-20T03:13:00.000-07:002013-07-20T03:13:10.335-07:00BAB 7 : PELABURAN<iframe src="http://www.slideshare.net/slideshow/embed_code/14720872" width="479" height="511" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" style="border:1px solid #CCC;border-width:1px 1px 0;margin-bottom:5px" allowfullscreen webkitallowfullscreen mozallowfullscreen> </iframe> <div style="margin-bottom:5px"> <strong> <a href="http://www.slideshare.net/Jewelstruth27/pelaburan-perdagangan-f4" title="Pelaburan Perdagangan F4" target="_blank">Pelaburan Perdagangan F4</a> </strong> from <strong><a href="http://www.slideshare.net/Jewelstruth27" target="_blank">Jewels Truth</a></strong> </div>Anonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.comtag:blogger.com,1999:blog-676102689851723818.post-2451480882628895412013-07-20T03:06:00.004-07:002013-07-20T03:06:57.325-07:00BAB 5 : INDUSTRI KECIL DAN SEDERHANA<iframe src="http://www.slideshare.net/slideshow/embed_code/15457290" width="427" height="356" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" style="border:1px solid #CCC;border-width:1px 1px 0;margin-bottom:5px" allowfullscreen webkitallowfullscreen mozallowfullscreen> </iframe> <div style="margin-bottom:5px"> <strong> <a href="http://www.slideshare.net/NabilahNadzri/bab-5-industri-kecil-sederhana" title="Bab 5 - Industri Kecil & Sederhana" target="_blank">Bab 5 - Industri Kecil & Sederhana</a> </strong> from <strong><a href="http://www.slideshare.net/NabilahNadzri" target="_blank">Nabilah Nadzri</a></strong> </div>Anonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.comtag:blogger.com,1999:blog-676102689851723818.post-12617785153131313592013-07-20T03:03:00.001-07:002013-07-20T03:03:46.428-07:00BAB 6 : PEMILIKAN PERNIAGAAN<iframe src="http://www.slideshare.net/slideshow/embed_code/12203419" width="427" height="356" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" style="border:1px solid #CCC;border-width:1px 1px 0;margin-bottom:5px" allowfullscreen webkitallowfullscreen mozallowfullscreen> </iframe> <div style="margin-bottom:5px"> <strong> <a href="http://www.slideshare.net/ZAFANA/pemilikan-perniagaan-12203419" title="PEMILIKAN PERNIAGAAN" target="_blank">PEMILIKAN PERNIAGAAN</a> </strong> from <strong><a href="http://www.slideshare.net/ZAFANA" target="_blank">ZAFANA</a></strong> </div>Anonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.comtag:blogger.com,1999:blog-676102689851723818.post-27376774074487072132012-06-17T07:02:00.003-07:002012-06-17T07:29:09.358-07:00BAB 4 : PERNIAGAAN ANTARABANGSA<div style="width:425px" id="__ss_7700901"> <strong style="display:block;margin:12px 0 4px"><a href="http://www.slideshare.net/annehayati/bab-4-perniagaan-antarabangsa" title="Bab 4: Perniagaan Antarabangsa" target="_blank">Bab 4: Perniagaan Antarabangsa</a></strong> <iframe src="http://www.slideshare.net/slideshow/embed_code/7700901" width="425" height="355" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" style="border:1px solid #CCC;border-width:1px 1px 0" allowfullscreen></iframe> <div style="padding:5px 0 12px"> View more <a href="http://www.slideshare.net/thecroaker/death-by-powerpoint" target="_blank">PowerPoint</a> from <a href="http://www.slideshare.net/annehayati" target="_blank">annehayati</a> </div> </div>Anonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.comtag:blogger.com,1999:blog-676102689851723818.post-61667781987526617932012-06-17T05:53:00.002-07:002012-06-17T05:53:20.163-07:00BAB 7 : PELABURAN<!--[if gte mso 9]><xml>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Tahoma","sans-serif";">BAB 7 : PELABURAN</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Tahoma","sans-serif";">a} Maksud Pelaburan.</span></b></div>
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<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>Pelaburan ialah suatu tindakan
menangguhkan penggunaan wang pada masa<span style="mso-spacerun: yes;"> </span></span></div>
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<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>ini dengan harapan untuk mendapatkan
pulangan pada masa hadapan.</span></div>
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<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Tahoma","sans-serif";">b) Perbezaan di antara Pelabur dan
Spekulator.</span></b></div>
<div class="MsoNormal">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 480;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><b style="mso-bidi-font-weight: normal;">Pelabur</b></span></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><b style="mso-bidi-font-weight: normal;">Spekulator</b></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">1. Membeli
syer untuk mendapatkan<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>pulangan dalam bentuk dividen/syer<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>bonus.</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>1. membeli syer pada harga rendah </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>dan jual pada harga yang tinggi<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>untuk mendapatkan keuntungan.</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">2. Beli
syer untuk disimpan dalam<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>jangka masa panjang dengan<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>harapan prestasi syarikat berkem- </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>bang dan harga syernya naik.</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">2. Membeli
dan menjual syer dalam </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>jangka masa singkat untuk </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>mendapatkan keuntungan daripada </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>perbezaan harga.</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">3.
Penglibatan pelabur mencergaskan </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>pasaran saham dan mengukuhkan </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>harga pasaran.</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">3.
Penglibatan Spekulator melemahkan </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>pasaran saham kerana harga saham </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>turun dan naik dengan tidak </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>menentu.</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">4. Pelabur
sentiasa berhati-hati </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>melakukan analisis kewangan dan </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>memperolehi maklumat prestasi </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>syarikat sebelum membeli saham </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>syarikat.</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">4.
Spekulator sentiasa membuat </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>ramalan sesuatu harga syer. </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>Tindakannya dipengaruhi khabar<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>angin, sikapnya keterlaluan boleh<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>menjejaskan pasaran saham.</span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Tahoma","sans-serif";">JENIS PELABURAN.</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">a) Akaun
Simpanan Tetap/Akaun Pelaburan.</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l5 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">melabur
di bank/institusi kewangan.</span></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l5 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">Pelaburan
tanpa risiko.</span></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l5 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">Keuntungan
rendah.</span></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l5 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">Menyimpan
untuk suatu tempoh tertentu.</span></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l5 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">Kelebihan
:</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>1. Pulangan tetap.</span></div>
<div class="MsoNormal" style="margin-left: 1.25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>2. Simpanan selamat.</span></div>
<div class="MsoNormal" style="margin-left: 1.25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>3. Simpanan boleh dikeluarkan atas
permintaan.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">b) Harta
Tanah.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l5 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">Contoh
: Pembelian seperti tanah, kedai/pejabat, rumah, ladang dsb.<span style="mso-spacerun: yes;">
</span></span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>mendapat pulangan dalam
bentuk keuntungan modal dan<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>pendapatan semasa.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">c) Saham.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l5 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">pelaburan
yang dibuat oleh Sy. Berhad untuk mendapatkan pulangan dalam bentuk dividen
atau bonus.</span></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l5 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">Tujuan
Syarikat Berhad menerbitkan saham ialah untuk mengumpulkan modal bagi
mengembangkan syarikat.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>-<span style="mso-spacerun: yes;">
</span>2<span style="mso-spacerun: yes;"> </span>jenis iaitu :<span style="mso-spacerun: yes;"> </span>(i)<span style="mso-spacerun: yes;">
</span>Saham disenaraikan.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 3;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>-<span style="mso-spacerun: yes;">
</span>saham syarikat diurusniagakan di pasaran saham.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 3;"> </span>(ii)<span style="mso-spacerun: yes;"> </span>Saham tidak disenaraikan.</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- saham yang
tidak diurusniagakan di pasaran saham</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 3;"> </span><span style="mso-spacerun: yes;"> </span>secara rasmi.</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";">(i).<span style="mso-spacerun: yes;"> </span>Jenis Saham.</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span><b style="mso-bidi-font-weight: normal;">Perbezaan
di antara syer biasa dengan syer keutamaan.</b></span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span></span></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 480;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><b style="mso-bidi-font-weight: normal;"><span style="mso-spacerun: yes;"> </span>Syer Biasa.</b></span></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><b style="mso-bidi-font-weight: normal;">Syer
Keutamaan</b>.</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">1.<span style="mso-spacerun: yes;"> </span>Kadar dividen sentiasa berubah<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>mengikut keuntungan syarikat.</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">1. Kadar
dividen ditetapkan oleh<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>syarikat setiap tahun.</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">2.<span style="mso-spacerun: yes;"> </span>Pemegang syer menerima dividen </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>setelah pemegang syer keutamaan </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>menerima dividen mereka.</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">2.
Pemegang syer dibayar dividen<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>terlebih dahulu daripada pemegang<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>syer biasa.</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">3. Pelabur
berhak mengundi untuk </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>memilih Lembaga Pengarah di dalam<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>mesyuarat agung tahunan. </span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">3. Pelabur
tidak berhak mengundi.</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">4. Pihak
terakhir untuk menuntut balik </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>modal jika<span style="mso-spacerun: yes;">
</span>syarikat dibubarkan.</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">4. Diberi
keutamaan menuntut balik </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>modal jika syarikat dibubarkan.</span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";">Syer
keutamaan dibahagi kepada 4 jenis :</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l3 level1 lfo2; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Tahoma","sans-serif";">Kumalatif.</span></b></li>
</ol>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
dibayar dividen semasa dan tunggakan dividen jika syarikat rugi pada </span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>tahun kewangan lepas.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<ol start="2" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l3 level1 lfo2; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Tahoma","sans-serif";">Penyertaan.</span></b></li>
</ol>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l5 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">kadar
dividen tetap dan dividen tambahan dibayar selepas pembayaran dividen kepada
pemegang syer biasa.</span></div>
<div class="MsoNormal">
<br /></div>
<ol start="3" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l3 level1 lfo2; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Tahoma","sans-serif";">Boleh
Tebus.</span></b></li>
</ol>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l5 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">Harga
syer ditetapkan semasa syer itu diterbitkan.</span></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l5 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">Syer
ini boleh dibeli oleh syarikat pada jumlah harga tertentu selepas suatu tempoh
masa.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<ol start="4" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l3 level1 lfo2; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Tahoma","sans-serif";">Boleh
tukar</span></b><span style="font-family: "Tahoma","sans-serif";">.</span></li>
</ol>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>-<span style="mso-tab-count: 1;"> </span>Syer
yang boleh ditukar kepada syer biasa.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>-<span style="mso-tab-count: 1;"> </span>Pemegang
syer akan terima faedah sepertimana pemegang syer biasa.<span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>(ii) Pulangan atas saham.</span></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l5 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>dalam bentuk syer bonus, dividen dan
keuntungan modal.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Tahoma","sans-serif";">Contoh Pengiraan
Pulangan Daripada Bidang Pelaburan.</span></b></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">Kes<span style="mso-spacerun: yes;"> </span>Puan Salmi memiliki 5000<span style="mso-spacerun: yes;"> </span>8% syer keutamaan bernilai RM 2.00 seunit.
5000 syer biasa bernilai RM 1.00, dan RM 3000 debentur pada kadar faedah 6%
dalam Syarikat<span style="mso-spacerun: yes;"> </span>ABC Bhd. Bagi tahun
berakhir 31 Disember, 2003, syarikat itu telah mengistiharkan pembayaran
dividen</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">12
% terhadap syer biasa.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">Kirakan
jumlah pendapatan Puan Salmi daripada pelaburannya pada tahun 2003.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Tahoma","sans-serif";">Cara Pengiraan :</span></b></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">i).<span style="mso-spacerun: yes;"> </span>Pendapatan dari syer keutamaan.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 2;"> </span>5000 x RM 2.00 x 0.08<span style="mso-spacerun: yes;"> </span>=<span style="mso-spacerun: yes;"> </span>RM
800.00</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">ii)<span style="mso-spacerun: yes;"> </span>Pendapatan dari syer biasa.</span></div>
<div class="MsoNormal" style="margin-left: 1.5in;">
<span style="font-family: "Tahoma","sans-serif";">5000
x RM 1.00 x 0.12<span style="mso-spacerun: yes;"> </span>=<span style="mso-spacerun: yes;"> </span>RM 600.00</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">iii)<span style="mso-spacerun: yes;"> </span>Pendapatan dari Debentur.</span></div>
<div class="MsoNormal" style="margin-left: 1.5in;">
<span style="font-family: "Tahoma","sans-serif";">RM
3000 x<span style="mso-spacerun: yes;"> </span>0.06<span style="mso-spacerun: yes;"> </span>=<span style="mso-spacerun: yes;">
</span>RM 180.00</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">iv)<span style="mso-spacerun: yes;"> </span>Jumlah Pendapatan.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 2;"> </span>RM 800.00 + RM 600.00 + RM
180.00 = RM 1580.00</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l2 level1 lfo3; tab-stops: list 1.0in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">iii)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Tahoma","sans-serif";">Peranan Bursa Saham Kuala Lumpur
(BSKL)</span></b><span style="font-family: "Tahoma","sans-serif";">.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.5in; mso-list: l2 level2 lfo3; tab-stops: list 1.5in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Tahoma","sans-serif";">Mewujudkan
peluang pasaran bagi saham.</span></div>
<div class="MsoNormal" style="margin-left: 1.0in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>– BSKL menyediakan tempat untuk
memudahkan pelabur</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;"> </span>menjalankan urusniaga syer.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.5in; mso-list: l2 level2 lfo3; tab-stops: list 1.5in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Tahoma","sans-serif";">Menyebarkan
maklumat<span style="mso-spacerun: yes;"> </span>kewangan syarikat kepada orang
lain. - melalui media massa
tentang kedudukan kewangan<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>sesebuah
syarikat.</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.5in; mso-list: l2 level2 lfo3; tab-stops: list 1.5in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Tahoma","sans-serif";">Melindungi
kepentingan para pelabur.</span></div>
<div class="MsoNormal" style="margin-left: 1.5in;">
<span style="font-family: "Tahoma","sans-serif";">dengan
cara :-</span></div>
<div class="MsoNormal" style="margin-left: 1.5in;">
<span style="font-family: "Tahoma","sans-serif";">-<span style="mso-spacerun: yes;"> </span>mengenakan syarat-syarat penyeneraian yang
ketat.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 3;"> </span>-<span style="mso-spacerun: yes;"> </span>mewajibkan broker menyumbang wang tertentu
kepada<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>Tabung Jaminan
Setia untuk dibayar pampasan kepada<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>para pelabur
yang tertipu.</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>-<span style="mso-spacerun: yes;"> </span>mewajibkan semua syarikat awam menerbitkan
maklumat <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;"> </span>tentang operasi, prestasi
keuntungan untuk pengetahuan<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>para pelabur.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.5in; mso-list: l2 level2 lfo3; tab-stops: list 1.5in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Tahoma","sans-serif";">Menjalankan
urusniaga saham.</span></div>
<div class="MsoNormal" style="margin-left: 1.5in;">
<span style="font-family: "Tahoma","sans-serif";">-
untuk memudahkan pelabur menjual syer dan perolehi<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>Wang tunai pada bila-bila
masa.</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.5in; mso-list: l2 level2 lfo3; tab-stops: list 1.5in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Tahoma","sans-serif";">Membantu
mengumpulkan modal daripada orang ramai untuk pembangunan negara.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.5in; mso-list: l2 level2 lfo3; tab-stops: list 1.5in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Tahoma","sans-serif";">Menimbulkan
minat melabur di kalangan orang ramai dengan menganjurkan pelbagai program.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 3;"> </span><b style="mso-bidi-font-weight: normal;">Faktor – faktor Yang Mempengaruhi Harga
Saham.</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.5in; mso-list: l4 level1 lfo4; tab-stops: list 1.5in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Tahoma","sans-serif";">Keadaan
ekonomi Negara.</span></div>
<div class="MsoNormal" style="margin-left: 1.5in;">
<span style="font-family: "Tahoma","sans-serif";">-
Jika ekonomi kukuh, pelaburan meningkat, maka harga </span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 3;"> </span><span style="mso-spacerun: yes;"> </span>Saham naik dan sebaliknya.</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.5in; mso-list: l4 level1 lfo4; tab-stops: list 1.5in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Tahoma","sans-serif";">Keadaan
Politik.</span></div>
<div class="MsoNormal" style="margin-left: 1.5in;">
<span style="font-family: "Tahoma","sans-serif";">-
Jika politik stabil, pelaburan meningkat, harga saham naik</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 3;"> </span><span style="mso-spacerun: yes;"> </span>dan sebaliknya.</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.5in; mso-list: l4 level1 lfo4; tab-stops: list 1.5in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Tahoma","sans-serif";">Aktiviti
Spekulasi.</span></div>
<div class="MsoNormal" style="margin-left: 1.5in;">
<span style="font-family: "Tahoma","sans-serif";">-Spekulator
yang membeli dan menjual syer akan<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="margin-left: 1.5in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>Mempengaruhi turun naik harga syer.</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.5in; mso-list: l4 level1 lfo4; tab-stops: list 1.5in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Tahoma","sans-serif";">Kualiti
Pengurusan dan Prospek Syarikat.</span></div>
<div class="MsoNormal" style="margin-left: 1.5in;">
<span style="font-family: "Tahoma","sans-serif";">-
Syarikat yang mempunyai pengurusan yang cekap<span style="mso-spacerun: yes;">
</span></span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>menyebabkan harga
saham naik dan sebaliknya.</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.5in; mso-list: l4 level1 lfo4; tab-stops: list 1.5in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Tahoma","sans-serif";">Dasar
kewangan dan kadar faedah yang dilaksanakan oleh BNM.</span></div>
<div class="MsoNormal" style="margin-left: 1.5in;">
<span style="font-family: "Tahoma","sans-serif";">-
Jika kerajaan menggalakkan penawaran wang di<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>pasaran, maka BNM
akan mengurangkan kadar faedah<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>pinjaman. </span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- Ini mengggalakkan
orang ramai meminjam untuk membuat </span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>pelaburan. Maka harga
saham meningkat dan sebaliknya.</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Tahoma","sans-serif";">Cara Membeli dan
Menjual Saham.</span></b></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l1 level1 lfo5; tab-stops: list .5in;"><span style="font-family: "Tahoma","sans-serif";">Bagi saham yang tidak
disenaraikan di BSKL ialah melalui broker saham.</span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo5; tab-stops: list .5in;"><span style="font-family: "Tahoma","sans-serif";">Bagi menjual saham tersenarai di
BSKL seperti berikut :</span></li>
</ol>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">(i).<span style="mso-tab-count: 1;"> </span>Penjual hubungi broker untuk memberitahu
butir-butir saham yang<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>hendak dijual.</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>(ii).<span style="mso-spacerun: yes;">
</span>Broker menghantar maklumat tersebut di bilik padanan diBSKL.</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span>(iii).<span style="mso-tab-count: 1;"> </span>Tawaran
tersebut dipadankan dengan senarai pembeli sedia ada.<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>Jika wujud persetujuan antara
pembeli dengan penjual maka<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>Urusniaga berlaku.</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo6; tab-stops: list .5in; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">d)<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Tahoma","sans-serif";">Unit Amanah.</span></b></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l5 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">Sejenis
pelaburan yang mengumpul wang dari orang ramai.</span></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l5 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">Diuruskan
oleh pengurus professional.</span></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l5 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">Sesuai
untuk pelabur-pelabur kecil.</span></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l5 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">Risiko
kerugian rendah.</span></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l5 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">Pelaburan
Unit Amanah terdiri daripada Amanah Saham, Amanah Harta tanah dan Gilts.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Tahoma","sans-serif";">PANDUAN AM MELABUR.</span></b></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.25in; mso-list: l0 level2 lfo6; tab-stops: list 1.25in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Tahoma","sans-serif";">Pelabur
perlu mendapat maklumat lengkap tentang bidang pelaburan yang ingin diceburi.</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.25in; mso-list: l0 level2 lfo6; tab-stops: list 1.25in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Tahoma","sans-serif";">Pastikan
keuntungan maksimum boleh diperolehi samada melalui kadar faedah, dividen dan
keuntungan ke atas modal.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.25in; mso-list: l0 level2 lfo6; tab-stops: list 1.25in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif"; mso-fareast-font-family: Tahoma;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Tahoma","sans-serif";">Mengambilkira
risiko dalam pelaburan. Jika pelabur kurang mahir, boleh melabur dalam
pelaburan yang kurang risiko</span></div>
<div class="MsoNormal" style="margin-left: .75in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>dan sebaliknya.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;">
</span>4.<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span>Modal sedia ada. Sekiranya pelabur
bermodal kecil sesuai<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>melabur dalam
pelaburan berisiko rendah seperti Unit Amanah<span style="mso-spacerun: yes;">
</span></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>atau di bank.</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>5.<span style="mso-spacerun: yes;">
</span>Kecairan ialah sesuatu aset mudah ditukar kebentuk wang<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="margin-left: 1.25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>tunai.<span style="mso-tab-count: 2;"> </span></span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;"> </span>Contoh : aset mudah cair – simpanan di
bank.</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 3;"> </span><span style="mso-spacerun: yes;"> </span>aset tidak mudah cair – harta tanah.<span style="mso-tab-count: 2;"> </span></span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>Anonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.comtag:blogger.com,1999:blog-676102689851723818.post-61316573865392102292012-06-17T05:51:00.001-07:002012-06-17T05:52:10.903-07:00BAB 6 : PEMILIKAN PERNIAGAAN<br />
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">BAB 6 :
PEMILIKAN PERNIAGAAN</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">CARA
MEMULAKAN PERNIAGAAN</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">1.
Memulakan sendiri</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - menubuhkan
sesuatu perniagaan baru atas usaha sendiri.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - usahawan
perlu modal, pengetahuan, pengalaman, minat dan kebolehan.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - usahawan
bebas menguruskan perniagaan mengikut gaya
dan </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">kreativiti
sendiri.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">2.
Mengambil alih</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - membeli
sesebuah perniagaan yang sedia wujud.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - perniagaan
yang di ambil alih menguntungkan dan berpotensi maju.</span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif";">
- pengambilalihan perniagaan
yang berprestasi baik disebut ‘muhibbah’ (goodwill) dan perlu membayar ‘wang
muhibbah’.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">3.
Warisan</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - mewarisi
perniagaan daripada ahli keluarga. Contoh kedai kain </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">Globe
Silk Store</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">4.
Francais</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - hak
atau kebenaran untuk menjual barang syarikat lain yang sudah </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">terkenal
dengan menggunakan jenama dan logonya.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - Syarikat
yang diberi hak ialah francaisi.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - Syarikat
yang memberi hak francais dikenali francaisor.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - Francaisi
dibantu dan dibimbing oleh francaisor </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - sebagai
balasan francaisi dikehendaki membayar royalti dan </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">mematuhi
syarat.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - Contoh Marrybrown, England Optical</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">5.
Diundang</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - usahawan
dijemput menyertai sesebuah perniagaan sebagai rakan </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">kongsi
atau pemegang saham</span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: -21.0pt;">
<span style="font-family: "Tahoma","sans-serif";">- dijemput
kerana kepakaran, pengalaman, modal atau keistimewaan yang diperlukan untuk
mengendalikan perniagaan.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">FAKTOR
DIPERTIMBANGKAN MEMULAKAN PERNIAGAAN</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">1. Mempunyai minat, pengetahuan dan
pengalaman.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">2. Memastikan modal mencukupi</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">3. Memastikan jenis perniagaan diceburi
sesuai dengan kelayakan dan </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">berpotensi
maju.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">4. Mematuhi syarat dan peraturan perundangan
dan akta perniagaan </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">seperti
Akta Jualan Barang 1957 dan Akta Kawalan Harga 1973.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">5. Lokasi sesuai dan strategik serta
mengambil kira kos sewa, </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">kadar
upah, persaingan ,peraturan kerajaan tempatan dan </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">kuasa
beli penduduk.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">6. Memastikan sumber bekalan mencukupi dan
mudah diperolehi.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">7. Mengenalpasti bilangan dan kekuatan
pesaing serta merancang </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">strategi
menghadapinya.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">PENGENDALIAN
PERNIAGAAN</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">1.
Pengurusan stok</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - stok
ialah barang yang disimpan untuk dijual pada suatu masa </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">akan
datang</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - pengurusan
stok melibatkan aspek:</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> a.
Mendapatkan bekalan stok</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> b.
Memeriksa stok</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> c.
Merekod stok</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> d.
Menyimpan dan mengawal stok</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> e.
Memperaga stok</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">2.
Pengurusan kewangan</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - melibatkan:</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> a.
Penyimpanan rekod perakaunan dengan
sempurna</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> -
Akaun Perdagangan, Akaun Untung Rugi dan Kunci Kira-Kira</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> b.
Penganalisaan prestasi berdasarkan
rekod simpanan</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> -
dinilai daripada jumlah untung kasar dan untung bersih </span></div>
<div class="MsoNormal" style="margin-left: 1.0in;">
<span style="font-family: "Tahoma","sans-serif";"> serta mencari pulangan modal.</span></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif";">c. Pengambilalihan
tindakan susulan untuk atasi kelemahan dan
meningkatkan prestasi perniagaan.</span></div>
<div class="MsoNormal" style="margin-left: 1.0in;">
<span style="font-family: "Tahoma","sans-serif";">-
kurangkan perbelanjaan, syarat kredit yang lebih ketat, tingkatkan promosi.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">3.
Pengurusan sumber manusia</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> a.
Meningkatkan kecekapan pekerja
melalui pengkhususan dan </span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">latihan kemahiran</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> b.
Menjaga kebajikan pekerja seperti
menyediakan tempat </span></div>
<div class="MsoNormal" style="margin-left: 1.0in;">
<span style="font-family: "Tahoma","sans-serif";">penginapan,
gaji, bonus, perubatan percuma serta kemudahan
riadah dan ibadat.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> c.
Mewujudkan hubungan yang baik, mesra dan harmonis antara
</span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">pekerja dan majikan.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> d.
Mematuhi undang-undang berkaitan hak
pekerja seperti </span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">Akta Pekerja 1955. Akta Keselamatan
Sosial 1969 dan</span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">Ordinan KWSP 1955.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">4. Pengurusan masa</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> -
usahawan perlu menyusun dan
merancang aktiviti menurut </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> keutamaan
dan penggunaan masa secara produktif.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">5. Pengurusan pelanggan</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> -
melibatkan 3 aspek:</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> a.
Memahami sifat pelanggan</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> b.
Mengenalpasti jenis pelanggan</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> c. Mengetahui cara melayan pelanggan.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">6. Pengurusan risiko</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> -
ada tiga jenis risiko</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> a.
Risiko boleh diinsuranskan iaitu
kejadian dapat </span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">diramalkan seperti kebakaran</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> b.
Risiko tidak boleh diinsuranskan
iaitu tidak dapat diramalkan </span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">secara statistik dan kadar premium
tidak dapat ditentukan </span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">seperti peperangan</span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">C. Risiko yang tidak boleh diinsuranskan
tetapi boleh dikawal seperti</span></div>
<div class="MsoNormal" style="margin-left: .75in;">
<span style="font-family: "Tahoma","sans-serif";"> kerugian yang berpunca spekulasi pelaburan.</span></div>
<div class="MsoNormal" style="tab-stops: 124.5pt;">
<b><span style="font-family: "Tahoma","sans-serif";"> </span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">7. Pengurusan maklumat</span></b></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif";">- maklumat
perniagaan perlu disimmpan, dianalisis dan dikawal demi menjamin keberkesanan pengurusan.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> -
pengurusan teknologi maklumat
(komputer) dapat membantu </span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">pengurusan maklumat dengan cekap.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">JENIS
PEMILIKAN PERNIAGAAN</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">1. MILIKAN TUNGGAL</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
perniagaan dimiliki seorang sahaja
dan didaftar atas namanya</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
dasar dan keputusan perniagaan
ditentukan oleh pemilik</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
pemilik menanggung liabiliti tidak
terhad </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">- keuntungan tertakluk kepada cukai
pendapatan individu.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<b><span style="font-family: "Tahoma","sans-serif";">Cara
Menubuhkan Milikan Tunggal </span></b></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
Mengikut Akta Pendaftaran Perniagaan 1965</span></div>
<div class="MsoNormal" style="margin-left: .75in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .75in; mso-list: l4 level1 lfo2; tab-stops: list .75in; text-indent: -.25in;">
<span style="font-family: "Tahoma","sans-serif";">a.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-family: "Tahoma","sans-serif";">Permohonan carian nama – Borang PNA
42</span></div>
<div class="MsoNormal" style="margin-left: .75in; mso-list: l4 level1 lfo2; tab-stops: list .75in; text-indent: -.25in;">
<span style="font-family: "Tahoma","sans-serif";">b.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-family: "Tahoma","sans-serif";">Permohonan mendaftar nama perniagaan
– Borang A</span></div>
<div class="MsoNormal" style="margin-left: .75in; mso-list: l4 level1 lfo2; tab-stops: list .75in; text-indent: -.25in;">
<span style="font-family: "Tahoma","sans-serif";">c.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-family: "Tahoma","sans-serif";">Pengeluaran sijil perakuan
pendaftaran dan mempamerkan - Borang D</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">2. PERKONGSIAN</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
perniagaan dimiliki oleh dua orang
dan tidak melebihi 20 orang</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
pendaftaran dibuat atas nama rakan
kongsi dibawah </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> Akta
Perkongsian 1961</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
ada tiga jenis rakan kongsi</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> a.
Rakan kongsi aktif – menyumbang
modal dan terlibat aktif </span></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">dalam perniagaan</span></div>
<div class="MsoNormal" style="margin-left: 1.25in; mso-list: l2 level1 lfo5; tab-stops: list 1.25in; text-indent: -.25in;">
<span style="font-family: "Tahoma","sans-serif";">b.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-family: "Tahoma","sans-serif";"> Rakan kongsi lelap – menyumbang modal
tetapi tidak </span></div>
<div class="MsoNormal" style="margin-left: 83.25pt; text-indent: 24.75pt;">
<span style="font-family: "Tahoma","sans-serif";">terlibat dalam perniagaan.</span></div>
<div class="MsoNormal" style="margin-left: 1.25in; mso-list: l2 level1 lfo5; tab-stops: list 1.25in; text-indent: -.25in;">
<span style="font-family: "Tahoma","sans-serif";">c.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-family: "Tahoma","sans-serif";"> Rakan kongsi nominal – tidak menyumbang
modal </span></div>
<div class="MsoNormal" style="margin-left: 83.25pt; text-indent: 24.75pt;">
<span style="font-family: "Tahoma","sans-serif";">tetapi membenarkan nama disenaraikan
sebagai </span></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">salah seorang pemilik.</span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
semua rakan kongsi menanggung
liabiliti tidak terhad </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
agihan untung rugi dikongsi bersama
mengikut nisbah yang </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> telah
ditetapkan.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
keuntungan perkongsian
tertakluk kepada cukai </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> pendapatan
perseorangan.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<b><span style="font-family: "Tahoma","sans-serif";">Cara
Menubuhkan Perkongsian</span></b></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
sama seperti penubuhan Milikan
Tunggal kecuali mengisi </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> Borang
A - Halaman 3</span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">a. Permohonan
carian nama – Borang PNA 42</span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">b. Permohonan
mendaftarkan perniagaan – Borang A</span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">c. Pengeluaran
sijil perakuan pendaftaran dan dipamerkan</span></div>
<div class="MsoNormal">
<br /></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l3 level1 lfo1; tab-stops: list .5in;"><b><span style="font-family: "Tahoma","sans-serif";">SYARIKAT SENDIRIAN BERHAD</span></b></li>
</ol>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
mempunyai antara 2 – 50 pemegang
saham</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
perkataan “sendirian” bermaksud
pemilik syarikat terdiri daripada </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> ahli
keluarga dan sahabat handai.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
semua pemilik menanggung liabiliti
terhad</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
saham tidak dijual kepada orang
ramai dan pindah milik saham </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> dibuat
dengan persetujuan ahli</span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
syarikat ditadbir oleh lembaga
pengarah yang juga merupakan </span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">pemegang saham syarikat itu.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
keuntungan syarikat diagihkan
kepada pemegang syer dalam </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> bentuk
dividen dan sebahagian disimpan sebagai rezab.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> <b>Cara Menubuhkan Syarikat Sendirian
Berhad</b></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - ditubuhkan
mengikut Akta Syarikat 1965</span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">a. Permohonan
untuk carian nama – Borang 13A</span></div>
<div class="MsoNormal" style="margin-left: 1.5in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif";">b. Permohonan
untuk mendaftar syarikat dengan
mengemukakan:</span></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">i. Tatawujud
syarikat – dokumen mengenai fakta </span></div>
<div class="MsoNormal" style="margin-left: 1.5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">penubuhan syarikat</span></div>
<div class="MsoNormal" style="margin-left: 1.25in; text-indent: .25in;">
<span style="font-family: "Tahoma","sans-serif";">ii. Tataurus
syarikat – mengenai peraturan dan prosedur </span></div>
<div class="MsoNormal" style="margin-left: .75in;">
<span style="font-family: "Tahoma","sans-serif";"> pengurusan
dalam syarikat.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> iii.
Borang 6 (Perakuan Pematuhan)</span></div>
<div class="MsoNormal" style="margin-left: 2.0in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif";">iv. Borang
48 A (Akuan berkanun perlantikan pengarah/penaja)</span></div>
<div class="MsoNormal" style="margin-left: 1.5in;">
<span style="font-family: "Tahoma","sans-serif";">v. Borang 48 F (Pengakuan sebelum
perlantikan </span></div>
<div class="MsoNormal" style="margin-left: 1.5in;">
<span style="font-family: "Tahoma","sans-serif";"> sebagai setiausaha)</span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">c. Serahan
dokumen</span></div>
<div class="MsoNormal" style="margin-left: 1.5in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif";">d. Pengeluaran
dan mempamerkan sijil perakuan pemerbadanan
syarikat - Borang D</span></div>
<div class="MsoNormal">
<br /></div>
<ol start="2" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l3 level1 lfo1; tab-stops: list .5in;"><b><span style="font-family: "Tahoma","sans-serif";">SYARIKAT AWAM BERHAD</span></b></li>
</ol>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
perkataan awam bermaksud supaya
boleh dijual kepada orang </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> ramai
dengan menerbitkan ‘prospektus’.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
saham boleh dijual kepada orang
ramai dan boleh dipindah milik </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> melalui
bursa saham. </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
pemegang saham dua orang dan tiada
bilangan maksimum.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
pemegang saham menanggung liabiliti terhad</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
disenaraikan di bursa saham</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - Pentadbiran
syarikat diserah kepada Lembaga Pengarah </span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">yang dilantik .</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - Pemegang
syer yang memiliki lebih 51% akan
menguasai </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> Lembaga
Pengarah dan kawalan syarikat</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> -
ahli Lembaga Pengarah tidak
semestinya pemegang saham</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> -
Kedudukan kewangan mesti diumumkan
kepada orang ramai </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> setiap
tahun.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - cukai
syarikat awam berhad lebih tinggi iaitu 28%.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> <b>Cara Menubuhkan Syarikat Awam
Berhad</b></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> - sama
seperti syarikat sendirian berhad tetapi:</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> a. Tatawujud syarikat memperihal pembatalan Seksyen 15, </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> Akta
Syarikat 1965</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> b. Menggunakan Borang 8 bukan Borang 9</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> c. Mendapatkan kelulusan Suruhanjaya Sekuriti </span></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">berkaitan prospektus dan penyenaraian
syer di bursa saham.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> d. Pengedaran borang permohonan syer dan prospektus</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> e. Peruntukan syer akan dibuat melalui cabutan jika syer </span></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">dipohon melebihi jumlah yang
ditawarkan</span></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .75in;">
<span style="font-family: "Tahoma","sans-serif";"> f
Pengeluaran sijil perakuan perniagaan oleh Pendaftar</span></div>
<div class="MsoNormal" style="margin-left: .75in;">
<span style="font-family: "Tahoma","sans-serif";"> Syarikat.</span></div>
<div class="MsoNormal">
<br /></div>
<ol start="3" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l3 level1 lfo1; tab-stops: list .5in;"><b><span style="font-family: "Tahoma","sans-serif";">KOPERASI</span></b></li>
</ol>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
Prinsip koperasi:</span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> a.
keanggotaan secara sukarela dan
terbuka</span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> b.
kawalan secara demokratik oleh
anggota</span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> c.
kebebasan dan autonomi</span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> d.
penglibatan dalam pendidikan latihan
dan sebaran </span></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">maklumat koperasi</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> e.
perhatian terhadap kebajikan
masyarakat dan sosial.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
berasaskan prinsip tolong-menolong
dan mementingkan </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> kebajikan
anggotanya</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
jenis koperasi seperti koperasi
kredit, koperasi bank, </span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">koperasi pengguna </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
contoh Syarikat Koperasi Guru-Guru Malaysia</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
pemilik ialah pemegang syer dan
bilangan minimum pemegang </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> syer
ialah 100 dan tiada had maksimum.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
setiap anggota tidak boleh memiliki
syer melebihi 28%.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
koperasi ditubuhkan mengikut Akta
Koperasi Malaysia
1993</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
liabiliti terhad </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
koperasi dikawal oleh Lembaga
Pengarah yang dipilih semasa </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> mesyuarat
agung.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
Agihan lebihan (keuntungan), 12 %
disimpan sebagai </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> Simpanan
Kumpulan Wang Rezab dan baki </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> diagih
dalam bentuk dividen.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
Rebat dibayar berasaskan jumlah
belian.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
Koperasi dikecualikan cukai</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<b><span style="font-family: "Tahoma","sans-serif";">Cara
menubuhkan koperasi:</span></b></div>
<div class="MsoNormal" style="margin-left: .75in; mso-list: l1 level1 lfo3; tab-stops: list .75in; text-indent: -.25in;">
<span style="font-family: "Tahoma","sans-serif";">a.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-family: "Tahoma","sans-serif";">Permohonan menubuhkan koperasi
melalui Jabatan Pembangunan Koperasi</span></div>
<div class="MsoNormal" style="margin-left: .75in; mso-list: l1 level1 lfo3; tab-stops: list .75in; text-indent: -.25in;">
<span style="font-family: "Tahoma","sans-serif";">b.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-family: "Tahoma","sans-serif";">Menubuhkan jawatankuasa penaja</span></div>
<div class="MsoNormal" style="margin-left: .75in; mso-list: l1 level1 lfo3; tab-stops: list .75in; text-indent: -.25in;">
<span style="font-family: "Tahoma","sans-serif";">c.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-family: "Tahoma","sans-serif";">Mengadakan mesyuarat agung </span></div>
<div class="MsoNormal" style="margin-left: .75in; mso-list: l1 level1 lfo3; tab-stops: list .75in; text-indent: -.25in;">
<span style="font-family: "Tahoma","sans-serif";">d.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-family: "Tahoma","sans-serif";">Memohon mendaftar koperasi kepada
Pendaftar Negeri.</span></div>
<div class="MsoNormal" style="margin-left: .75in; mso-list: l1 level1 lfo3; tab-stops: list .75in; text-indent: -.25in;">
<span style="font-family: "Tahoma","sans-serif";">e.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-family: "Tahoma","sans-serif";">Pengeluaran sijil perakuan
pendaftaran.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"> </span></div>
<ol start="4" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l3 level1 lfo1; tab-stops: list .5in;"><b><span style="font-family: "Tahoma","sans-serif";">PERBADANAN AWAM</span></b></li>
</ol>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
ditubuhkan oleh kerajaan melalui
Akta Parlimen untuk </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> menyediakan
perkhidmatan dan kemudahan asas seperti </span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">perubatan, pendidikan dan pembinaan
infrastruktur.</span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
ditadbir sepenuhnya oleh kerajaan
di bawah tanggungjawab </span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">menteri yang membentuk satu lembaga
untuk pengurusan.</span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
Contoh perbadanan awam ialah KWSP
dan JKR.</span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<br /></div>
<div class="MsoNormal">
<br /></div>
<ol start="5" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l3 level1 lfo1; tab-stops: list .5in;"><b><span style="font-family: "Tahoma","sans-serif";">PENSWASTAAN</span></b></li>
</ol>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
merupakan satu proses pemindahan
kuasa kawalan,</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";"> kepentingan
dan pelaburan kerajaan yang tertentu kepada </span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">sektor swasta.</span></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: -.5in;">
<span style="font-family: "Tahoma","sans-serif";">- sektor
swasta dijadikan sebagai rakan kongsi sektor awam dalam pembangunan negara
dalam pembangunan dan pertumbuhan </span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">ekonomi negara.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">-
Contoh: Syarikat Telekom Malaysia
Berhad dan </span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">Tenaga Nasional Berhad.</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<b><span style="font-family: "Tahoma","sans-serif";">Tujuan
:</span></b></div>
<div class="MsoNormal" style="margin-left: .75in; mso-list: l0 level1 lfo4; tab-stops: list .75in; text-indent: -.25in;">
<span style="font-family: "Tahoma","sans-serif";">a.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-family: "Tahoma","sans-serif";">Mengurangkan beban kewangan kerajaan</span></div>
<div class="MsoNormal" style="margin-left: .75in; mso-list: l0 level1 lfo4; tab-stops: list .75in; text-indent: -.25in;">
<span style="font-family: "Tahoma","sans-serif";">b.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-family: "Tahoma","sans-serif";">Menggalakkan pertumbuhan ekonomi</span></div>
<div class="MsoNormal" style="margin-left: .75in; mso-list: l0 level1 lfo4; tab-stops: list .75in; text-indent: -.25in;">
<span style="font-family: "Tahoma","sans-serif";">c.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-family: "Tahoma","sans-serif";">Meningkatkan kecekapan dan
produktiviti</span></div>
<div class="MsoNormal" style="margin-left: .75in; mso-list: l0 level1 lfo4; tab-stops: list .75in; text-indent: -.25in;">
<span style="font-family: "Tahoma","sans-serif";">d.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-family: "Tahoma","sans-serif";">Menggalakkan agihan dan penggunaan
sumber lebih cekap</span></div>
<div class="MsoNormal" style="margin-left: .75in; mso-list: l0 level1 lfo4; tab-stops: list .75in; text-indent: -.25in;">
<span style="font-family: "Tahoma","sans-serif";">e.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-family: "Tahoma","sans-serif";">Memberi manfaat kepada kakitangan dan
rakyat</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>Anonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.comtag:blogger.com,1999:blog-676102689851723818.post-70610861383922728922012-06-17T05:50:00.002-07:002012-06-17T05:50:37.654-07:00BAB 5 : INDUSTRI KECIL DAN SEDERHANA<!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">BAB 5 :
INDUSTRI KECIL DAN SEDERHANA</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">Syarikat
perkilangan dengan jualan tunai tidak melebihi RM25 juta dan pekerja sepenuh
masa tidak melebihi 150 orang.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">CIRI-CIRI</span></b></div>
<div class="MsoNormal">
<br /></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l2 level1 lfo1; tab-stops: list .5in;"><span style="font-family: "Tahoma","sans-serif";">Mengeluarkan hampir semua barang
pengguna, barang sokongan industri besar dan yang tidak dapat dikeluarkan
oleh industri besar seperti sektor pembuatan makanan.</span></li>
<li class="MsoNormal" style="mso-list: l2 level1 lfo1; tab-stops: list .5in;"><span style="font-family: "Tahoma","sans-serif";">Organisasi mudah, diasaskan oleh
keluarga dan pekerja adalah ahli keluarga dan penduduk setempat/jiran.</span></li>
</ol>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>3.<span style="mso-spacerun: yes;">
</span>Modal terhad menyebabkan penggunaan kaedah intensif buruh. MARA </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>dan MIDF memberi bantuan modal kerana
kesukaran bantuan kredit </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>daripada institusi kewangan.</span></div>
<ol start="4" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l0 level1 lfo4; tab-stops: list .5in;"><span style="font-family: "Tahoma","sans-serif";">Terletak di merata tempat dan
kurang bergantung kepada kemudahan infrastruktur.</span></li>
</ol>
<ol start="5" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l3 level1 lfo2; tab-stops: list .5in;"><span style="font-family: "Tahoma","sans-serif";">Keluaran tidak menggunakan
teknologi tinggi, menggunakan mesin terpakai untuk menjimatkan kos </span></li>
</ol>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">KEGIATAN
IKS</span></b></div>
<div class="MsoNormal">
<br /></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l1 level1 lfo3; tab-stops: list .5in;"><b><span style="font-family: "Tahoma","sans-serif";">Industri berasaskan sumber</span></b></li>
</ol>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l1 level2 lfo3; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">berasaskan
bahan mentah yang terdapat di kawasan operasi.</span></div>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l1 level2 lfo3; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">seperti
rotan dan kayu dalam kegiatan membuat perabot.</span></div>
<div class="MsoNormal">
<br /></div>
<ol start="2" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l1 level1 lfo3; tab-stops: list .5in;"><b><span style="font-family: "Tahoma","sans-serif";">Industri berasaskan logam</span></b></li>
</ol>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l1 level2 lfo3; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">melibatkan
kepakaran dan teknologi berkaitan kimpalan, </span></div>
<div class="MsoNormal" style="margin-left: 1.0in;">
<span style="font-family: "Tahoma","sans-serif";">faundari
dan mesin bagi menghasilkan barang logam, komponen jentera seperti membuat alat
ganti jentera.</span></div>
<div class="MsoNormal">
<br /></div>
<ol start="3" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l1 level1 lfo3; tab-stops: list .5in;"><b><span style="font-family: "Tahoma","sans-serif";">Industri berasaskan plastik</span></b></li>
</ol>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l1 level2 lfo3; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">menghasilkan
barang pengguna berasaskan sumber bahan</span></div>
<div class="MsoNormal" style="margin-left: .75in; text-indent: .25in;">
<span style="font-family: "Tahoma","sans-serif";">mentah industri petrokimia seperti
menghasilkan bekas plastik.</span></div>
<div class="MsoNormal">
<br /></div>
<ol start="4" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l1 level1 lfo3; tab-stops: list .5in;"><b><span style="font-family: "Tahoma","sans-serif";">Industri komponen automatif</span></b></li>
</ol>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l1 level2 lfo3; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">IKS
membekalkan komponen automotif kepada industri membuat kenderaan<span style="mso-spacerun: yes;"> </span>seperti lampu kereta, kusyen dll setelah
mendapat bimbingan, kepakaran dan bantuan teknologi.</span></div>
<div class="MsoNormal">
<br /></div>
<ol start="5" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l1 level1 lfo3; tab-stops: list .5in;"><b><span style="font-family: "Tahoma","sans-serif";">Industri komponen elektrik dan
elektronik</span></b></li>
</ol>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l1 level2 lfo3; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">Syarikat
besar memberi hak kepada IKS untuk mengeluarkan </span></div>
<div class="MsoNormal" style="margin-left: .75in; text-indent: .25in;">
<span style="font-family: "Tahoma","sans-serif";">komponen elektronik yang kecil
seperti suis, wayar dll </span></div>
<div class="MsoNormal" style="margin-left: .75in; text-indent: .25in;">
<span style="font-family: "Tahoma","sans-serif";">setelah<span style="mso-spacerun: yes;"> </span>dibimbing dan dibantu dari segi kepakaran dan
modal.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<ol start="6" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l1 level1 lfo3; tab-stops: list .5in;"><b><span style="font-family: "Tahoma","sans-serif";">Industri pemprosesan makanan</span></b></li>
</ol>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l1 level2 lfo3; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">pemprosesan
makanan awet, minuman, biskut dll</span></div>
<div class="MsoNormal" style="margin-left: .75in;">
<br /></div>
<div class="MsoNormal">
<br /></div>
<ol start="7" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l1 level1 lfo3; tab-stops: list .5in;"><b><span style="font-family: "Tahoma","sans-serif";">Industri kimia</span></b></li>
</ol>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l1 level2 lfo3; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">keluaran
petroleum, petrokimia, kimia bukan organik, oleokimia</span></div>
<div class="MsoNormal" style="margin-left: .75in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<br /></div>
<ol start="8" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l1 level1 lfo3; tab-stops: list .5in;"><b><span style="font-family: "Tahoma","sans-serif";">Industri farmaseutikal</span></b></li>
</ol>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l1 level2 lfo3; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span><span style="font-family: "Tahoma","sans-serif";">pengeluaran
ubat-ubatan dan bahan aktif untuk rawatan </span></div>
<div class="MsoNormal" style="margin-left: .75in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>penyakit seperti malaria.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">KEPENTINGAN
IKS</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">1.
Sumbangan kepada masyarakat</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>a. <span style="mso-tab-count: 1;"> </span>Peluang
menceburi bidang perusahaan</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>b. <span style="mso-tab-count: 1;"> </span>Peluang
menggunakan kebolehan, daya cipta dan kreativiti</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>c. <span style="mso-tab-count: 1;"> </span>Peluang
pekerjaan</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>d. <span style="mso-tab-count: 1;"> </span>Memenuhi
keperluan dan kehendak masyarakat</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">2.
Sumbangan kepada negara</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>a. <span style="mso-tab-count: 1;"> </span>Mengurangkan
pengangguran</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>b. <span style="mso-tab-count: 1;"> </span>Meningkatkan
tabungan dalam ekonomi</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>c. <span style="mso-tab-count: 1;"> </span>Pengagihan pendapatan negara lebih adil kerana
IKS menawarkan</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>upah
yang lebih tinggi kepada pekerja kurang mahir.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>d. <span style="mso-tab-count: 1;"> </span>Menyediakan
latihan dan kemahiran kepada pekerja</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>e. <span style="mso-tab-count: 1;"> </span>Mengukuhkan
struktur asas industri negara melalui hubung jalin </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>dan
pemindahan teknologi dengan firma besar dan syarikat antarabangsa.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>f.<span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>Mengurangkan import barang pengguna.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">KAITAN
IKS DENGAN INDUSTRI BERAT</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">1.
Pemasaran Bersepadu (Konsep Payung)</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>-<span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>Hampir 75% keluaran IKS dijual kepada firma
besar seperti </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>membekalkan<span style="mso-spacerun: yes;"> </span>barang<span style="mso-spacerun: yes;">
</span>siap dan separa siap. </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>-<span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>Industri kereta memperolehi komponen seperti
bateri, pintu, </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>kusyen
dll melalui IKS.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>-<span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>Melalui pemasaran bersepadu, IKS memperolehi
pasaran terjamin </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>melalui
kontrak kerajaan/pasaran terbuka dan bayaran segera.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>-<span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>Faedah yang diperolehi ialah menambahkan modal
perniagaan, </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>peluang
pekerjaan, pengembangan perniagaan, pengurusan lancar </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>serta
mutu dan kuantiti barang ditingkatkan.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">2.
Pengaturan Kontrak Khas</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>bermaksud
mengikat perjanjian antara frma kecil dengan firma </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>besar
dimana firma kecil berjanji membekalkan keluaran mereka </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>mengikut
syarat dan kriteria ditetapkan.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>Manfaat
diperolehi ialah jaminan pasaran keluaran, keluaran dan</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>keuntungan
dapat ditingkatkan dan mendapat pembiayaan daripada </span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>firma
yang membeli.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">3.
Subkontrak</span></b></div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span><span style="font-family: "Tahoma","sans-serif";">- <span style="mso-tab-count: 1;"> </span>melibatkan
perpindahan pengeluaran satu unit kecil pengeluaran </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">daripada
syarikat besar kepada IKS mengikut syarat dan </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">kriteria
ditetapkan.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>Contoh
komponen kereta seperti kusyen dibekalkan oleh IKS<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">kepada
syarikat kereta.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>Manfaat
diterima oleh IKS ialah firma besar membiayai </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">perbelanjaan
seperti pembelian bahan mentah, kemudahan kredit </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">dan
jaminan pasaran antarabangsa.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>Skim
Perniagaan Vendor merupakan contoh subkontrak </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">di
mana pengeluar sesuatu komponen akan membekalkan </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">keluaran
kepada syarikat besar/multinasional.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">MASALAH
IKS </span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";">1. <b>Masalah
modal dan pembiayaan</b></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>bank
kurang berminat memberi pinjaman kerana IKS tiada cagaran </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">kukuh
dan status kewangan IKS diragui.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">2.
Produktiviti dan teknologi rendah</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>disebabkan
kekurangan tenaga buruh mahir dan tidak mampu </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">melatih
pekerja.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">3.
Kekurangan bahan mentah</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>disebabkan
bahan mentah tidak mencukupi atau tiada di pasaran.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>IKS
membayar harga bahan mentah lebih tinggi daripada industri besar.<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>-<span style="mso-tab-count: 1;"> </span>tidak
mempunyai modal yang cukup untuk simpanan stok.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">4.
Masalah pasaran</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>kekurangan
modal menghadkan kemampuan memasarkan produk.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>kekurangan
kepakaran dalam pemasaran dan kualiti barang rendah.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">5.
Masalah pengurusan</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>pengurusan
tidak cekap, teknologi ketinggalan zaman, kurang </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">inovasi
menghalang perkembangan IKS</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">6.
Masalah lokasi</span></b></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";">-
<span style="mso-tab-count: 1;"> </span>tiada kemudahan asas mencukupi di
tempat operasi dan ada beroperasi</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>di
belakang rumah.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">7. Hubung
jalin dengan industri berat</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>kegagalan
memenuhi kontrak atau tidak mendapat subkontrak </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">kerana
kualiti barang dan produktiviti rendah menjejaskan hubungan IKS </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">dengan
industri besar</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">CARA
MENGATASI IKS</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">1.
Program Rantaian Industri (ILP)</span></b></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: -21.0pt;">
<span style="font-family: "Tahoma","sans-serif";">- <span style="mso-tab-count: 1;"> </span>Program
Pembangunan Vendor diperkenalkan untuk membekalkan komponen kritikal kepada
syarikat besar.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">2.
Program penyelidikan dan pembangunan</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>SIRIM,
MARDI dan MPOB membantu IKS mencapai piawaian yang tinggi.</span></div>
<div class="MsoNormal" style="tab-stops: 145.5pt;">
<b><span style="font-family: "Tahoma","sans-serif";"><span style="mso-tab-count: 1;"> </span></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">3.
Program pembangunan infrastruktur</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>PKEN,
MIEL, UDA dan MARA menyediakan kemudahan infrastruktur </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">seperti
taman perindustrian dan unit kilang.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">4.
Program pembangunan dan peningkatan kemahiran</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>NPC,
MARA, MEDEC dan Perbadanan Pembangunan Industri Kecil </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">(SMIDEC)
membantu meningkatkan kemahiran pekerja melalui latihan, </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-family: "Tahoma","sans-serif";">seminar,
bimbingan kerja dan pengurusan.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">5.
Pembangunan pemasaran</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>MATRADE
membantu IKS menembusi pasaran eksport dan</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>menjadi
pembekal global melalui ekspo, pameran, lawatan perniagaan dll.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Tahoma","sans-serif";">6.
Program bantuan kewangan</span></b></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>Bank
perdagangan dan MARA merupakan sumber kredit IKS.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>CGC
menyediakan jaminan kepada peminjam.</span></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif";"><span style="mso-spacerun: yes;"> </span>- <span style="mso-tab-count: 1;"> </span>Pakej
kewangan untuk IKS (PAKSI)<span style="mso-spacerun: yes;"> </span>yang dilancarkan
oleh </span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<span style="font-family: "Tahoma","sans-serif";">SMIDEC
menyediakan kemudahan pinjaman dalam bentuk <i style="mso-bidi-font-style: normal;">soft
loan.</i></span></div>Anonymoushttp://www.blogger.com/profile/00634147349425118575noreply@blogger.com