{"id":48595,"date":"2025-08-13T16:08:05","date_gmt":"2025-08-13T08:08:05","guid":{"rendered":"https:\/\/mcigroup.my\/?p=48595"},"modified":"2025-08-13T16:08:06","modified_gmt":"2025-08-13T08:08:06","slug":"0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof","status":"publish","type":"post","link":"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/","title":{"rendered":"0.3 Peratus Penjawat Awam Bankrap Antara 2020 Hingga Jun 2025 &#8211; MOF"},"content":{"rendered":"\n<p>KUALA LUMPUR, Ogos 13 &#8212; Statistik Jabatan Insolvensi Malaysia menunjukkan 4,194 kes kebankrapan membabitkan penjawat awam direkodkan antara 2020 hingga Jun 2025, iaitu\u00a0sekitar 0.3 peratus daripada 1.6 juta penjawat awam di negara ini.<\/p>\n\n\n\n<p>Timbalan Menteri Kewangan Lim Hui Ying berkata&nbsp;bagi membantu penjawat awam yang berdepan masalah kewangan serius, kerajaan melalui Agensi Kaunseling dan Pengurusan Kredit (AKPK) menyediakan khidmat nasihat, bantuan pengurusan kewangan serta program penstrukturan semula pembiayaan.<\/p>\n\n\n\n<p>\u201cBagi pegawai baharu, Jabatan Perkhidmatan Awam (JPA) melaksanakan Program Transformasi Minda (PTM) yang memberi pendedahan awal tentang pengurusan kewangan peribadi bagi memastikan mereka mampu mengurus hutang secara berhemah.<\/p>\n\n\n\n<p>\u201cSelain itu, penjawat awam tertakluk kepada peraturan yang menetapkan gaji bersih bulanan tidak boleh kurang daripada 40 peratus, bagi mengelak mereka berada dalam keberhutangan kewangan yang serius,\u201d katanya.<\/p>\n\n\n\n<p>Beliau menjawab soalan daripada Abdul Latiff Abdul Rahman (PN-Kuala Krai) mengenai langkah kerajaan terhadap trend peningkatan hutang isi rumah yang membimbangkan, khususnya dalam kalangan penjawat awam.<\/p>\n\n\n\n<p>Beliau berkata setakat Mac 2025, jumlah hutang isi rumah negara mencecah RM1.65 trilion atau 84.3 peratus daripada Keluaran Dalam Negara Kasar (KDNK)<\/p>\n\n\n\n<p>\u201cNamun, ia&nbsp;kekal terkawal secara makro kerana aset kewangan isi rumah pada tempoh sama berjumlah RM3.45 trilion, iaitu 2.1 kali ganda melebihi hutang,\u201d katanya.<\/p>\n\n\n\n<p>Mengulas isu perumahan yang menjadi komponen terbesar hutang isi rumah iaitu 61.1 peratus, beliau berkata kerajaan menyediakan pelbagai skim pemilikan rumah mampu milik termasuk Residensi MADANI dan PR1MA, dengan mengambil kira situasi khusus seperti di Johor Bahru yang berdepan kos sara hidup tinggi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>KUALA LUMPUR, Ogos 13 &#8212; Statistik Jabatan Insolvensi Malaysia menunjukkan 4,194 kes kebankrapan membabitkan penjawat awam direkodkan antara 2020 hingga Jun 2025, iaitu\u00a0sekitar 0.3 peratus daripada 1.6 juta penjawat awam di negara ini. Timbalan Menteri Kewangan Lim Hui Ying berkata&nbsp;bagi membantu penjawat awam yang berdepan masalah kewangan serius, kerajaan melalui Agensi Kaunseling dan Pengurusan Kredit [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":48531,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[],"class_list":{"0":"post-48595","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-berita-bisnes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>0.3 Peratus Penjawat Awam Bankrap Antara 2020 Hingga Jun 2025 - MOF - MCI Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"0.3 Peratus Penjawat Awam Bankrap Antara 2020 Hingga Jun 2025 - MOF - MCI Group\" \/>\n<meta property=\"og:description\" content=\"KUALA LUMPUR, Ogos 13 &#8212; Statistik Jabatan Insolvensi Malaysia menunjukkan 4,194 kes kebankrapan membabitkan penjawat awam direkodkan antara 2020 hingga Jun 2025, iaitu\u00a0sekitar 0.3 peratus daripada 1.6 juta penjawat awam di negara ini. Timbalan Menteri Kewangan Lim Hui Ying berkata&nbsp;bagi membantu penjawat awam yang berdepan masalah kewangan serius, kerajaan melalui Agensi Kaunseling dan Pengurusan Kredit [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/\" \/>\n<meta property=\"og:site_name\" content=\"MCI Group\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-13T08:08:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-13T08:08:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mcigroup.my\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-13-at-3.34.58-PM.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1336\" \/>\n\t<meta property=\"og:image:height\" content=\"856\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"MCI Bahasa\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"MCI Bahasa\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/\",\"url\":\"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/\",\"name\":\"0.3 Peratus Penjawat Awam Bankrap Antara 2020 Hingga Jun 2025 - MOF - MCI Group\",\"isPartOf\":{\"@id\":\"https:\/\/mcigroup.my\/ms\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/mcigroup.my\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-13-at-3.34.58-PM.png\",\"datePublished\":\"2025-08-13T08:08:05+00:00\",\"dateModified\":\"2025-08-13T08:08:06+00:00\",\"author\":{\"@id\":\"https:\/\/mcigroup.my\/ms\/#\/schema\/person\/bc9833472016b4a8ef90ba0dd5752b7b\"},\"breadcrumb\":{\"@id\":\"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/#breadcrumb\"},\"inLanguage\":\"ms-MY\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ms-MY\",\"@id\":\"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/#primaryimage\",\"url\":\"https:\/\/mcigroup.my\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-13-at-3.34.58-PM.png\",\"contentUrl\":\"https:\/\/mcigroup.my\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-13-at-3.34.58-PM.png\",\"width\":1336,\"height\":856},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/mcigroup.my\/ms\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"0.3 Peratus Penjawat Awam Bankrap Antara 2020 Hingga Jun 2025 &#8211; MOF\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/mcigroup.my\/ms\/#website\",\"url\":\"https:\/\/mcigroup.my\/ms\/\",\"name\":\"MCI Group\",\"description\":\"Malaysia-China Insight\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/mcigroup.my\/ms\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ms-MY\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/mcigroup.my\/ms\/#\/schema\/person\/bc9833472016b4a8ef90ba0dd5752b7b\",\"name\":\"MCI Bahasa\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ms-MY\",\"@id\":\"https:\/\/mcigroup.my\/ms\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/9a265f0ba897b65f29b3b7166e6c3f1b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/9a265f0ba897b65f29b3b7166e6c3f1b?s=96&d=mm&r=g\",\"caption\":\"MCI Bahasa\"},\"url\":\"https:\/\/mcigroup.my\/ms\/author\/mci-bahasa\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"0.3 Peratus Penjawat Awam Bankrap Antara 2020 Hingga Jun 2025 - MOF - MCI Group","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/","og_locale":"ms_MY","og_type":"article","og_title":"0.3 Peratus Penjawat Awam Bankrap Antara 2020 Hingga Jun 2025 - MOF - MCI Group","og_description":"KUALA LUMPUR, Ogos 13 &#8212; Statistik Jabatan Insolvensi Malaysia menunjukkan 4,194 kes kebankrapan membabitkan penjawat awam direkodkan antara 2020 hingga Jun 2025, iaitu\u00a0sekitar 0.3 peratus daripada 1.6 juta penjawat awam di negara ini. Timbalan Menteri Kewangan Lim Hui Ying berkata&nbsp;bagi membantu penjawat awam yang berdepan masalah kewangan serius, kerajaan melalui Agensi Kaunseling dan Pengurusan Kredit [&hellip;]","og_url":"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/","og_site_name":"MCI Group","article_published_time":"2025-08-13T08:08:05+00:00","article_modified_time":"2025-08-13T08:08:06+00:00","og_image":[{"width":1336,"height":856,"url":"https:\/\/mcigroup.my\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-13-at-3.34.58-PM.png","type":"image\/png"}],"author":"MCI Bahasa","twitter_card":"summary_large_image","twitter_misc":{"Written by":"MCI Bahasa","Est. reading time":"2 minit"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/","url":"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/","name":"0.3 Peratus Penjawat Awam Bankrap Antara 2020 Hingga Jun 2025 - MOF - MCI Group","isPartOf":{"@id":"https:\/\/mcigroup.my\/ms\/#website"},"primaryImageOfPage":{"@id":"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/#primaryimage"},"image":{"@id":"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/#primaryimage"},"thumbnailUrl":"https:\/\/mcigroup.my\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-13-at-3.34.58-PM.png","datePublished":"2025-08-13T08:08:05+00:00","dateModified":"2025-08-13T08:08:06+00:00","author":{"@id":"https:\/\/mcigroup.my\/ms\/#\/schema\/person\/bc9833472016b4a8ef90ba0dd5752b7b"},"breadcrumb":{"@id":"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/#breadcrumb"},"inLanguage":"ms-MY","potentialAction":[{"@type":"ReadAction","target":["https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/"]}]},{"@type":"ImageObject","inLanguage":"ms-MY","@id":"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/#primaryimage","url":"https:\/\/mcigroup.my\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-13-at-3.34.58-PM.png","contentUrl":"https:\/\/mcigroup.my\/wp-content\/uploads\/2025\/08\/Screenshot-2025-08-13-at-3.34.58-PM.png","width":1336,"height":856},{"@type":"BreadcrumbList","@id":"https:\/\/mcigroup.my\/ms\/berita-bisnes\/0-3-peratus-penjawat-awam-bankrap-antara-2020-hingga-jun-2025-mof\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/mcigroup.my\/ms\/"},{"@type":"ListItem","position":2,"name":"0.3 Peratus Penjawat Awam Bankrap Antara 2020 Hingga Jun 2025 &#8211; MOF"}]},{"@type":"WebSite","@id":"https:\/\/mcigroup.my\/ms\/#website","url":"https:\/\/mcigroup.my\/ms\/","name":"MCI Group","description":"Malaysia-China Insight","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/mcigroup.my\/ms\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ms-MY"},{"@type":"Person","@id":"https:\/\/mcigroup.my\/ms\/#\/schema\/person\/bc9833472016b4a8ef90ba0dd5752b7b","name":"MCI Bahasa","image":{"@type":"ImageObject","inLanguage":"ms-MY","@id":"https:\/\/mcigroup.my\/ms\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/9a265f0ba897b65f29b3b7166e6c3f1b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/9a265f0ba897b65f29b3b7166e6c3f1b?s=96&d=mm&r=g","caption":"MCI Bahasa"},"url":"https:\/\/mcigroup.my\/ms\/author\/mci-bahasa\/"}]}},"_links":{"self":[{"href":"https:\/\/mcigroup.my\/ms\/wp-json\/wp\/v2\/posts\/48595","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mcigroup.my\/ms\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mcigroup.my\/ms\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mcigroup.my\/ms\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/mcigroup.my\/ms\/wp-json\/wp\/v2\/comments?post=48595"}],"version-history":[{"count":1,"href":"https:\/\/mcigroup.my\/ms\/wp-json\/wp\/v2\/posts\/48595\/revisions"}],"predecessor-version":[{"id":48596,"href":"https:\/\/mcigroup.my\/ms\/wp-json\/wp\/v2\/posts\/48595\/revisions\/48596"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mcigroup.my\/ms\/wp-json\/wp\/v2\/media\/48531"}],"wp:attachment":[{"href":"https:\/\/mcigroup.my\/ms\/wp-json\/wp\/v2\/media?parent=48595"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mcigroup.my\/ms\/wp-json\/wp\/v2\/categories?post=48595"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mcigroup.my\/ms\/wp-json\/wp\/v2\/tags?post=48595"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}