{"id":2441,"date":"2023-08-10T09:51:06","date_gmt":"2023-08-10T09:51:06","guid":{"rendered":"https:\/\/xanderia.com\/?p=2441"},"modified":"2023-08-10T09:58:48","modified_gmt":"2023-08-10T09:58:48","slug":"5-kesan-muflis-atau-bankrup","status":"publish","type":"post","link":"https:\/\/xanderia.com\/my\/blog\/2023\/08\/10\/5-kesan-muflis-atau-bankrup\/","title":{"rendered":"5 KESAN MUFLIS ATAU BANKRUP"},"content":{"rendered":"<div  style='padding-bottom:10px; color:#00c997;' class='av-special-heading av-special-heading-h2 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-0  el_before_av_one_fifth  avia-builder-el-first'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >5 KESAN MUFLIS ATAU BANKRUP<\/h2><div class='special-heading-border'><div class='special-heading-inner-border' style='border-color:#00c997'><\/div><\/div><\/div>\n<div class=\"flex_column av_one_fifth  flex_column_div av-zero-column-padding first  avia-builder-el-1  el_after_av_heading  el_before_av_three_fifth\" style='border-radius:0px; '><\/div><div class=\"flex_column av_three_fifth  flex_column_div av-zero-column-padding   avia-builder-el-2  el_after_av_one_fifth  el_before_av_one_fifth\" style='border-radius:0px; '><div  class='avia-image-container  av-styling-    avia-builder-el-3  avia-builder-el-no-sibling  avia-align-center'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><img fetchpriority=\"high\" decoding=\"async\" class='wp-image-2442 avia-img-lazy-loading-not-2442 avia_image' src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2023\/08\/XM-2.webp\" alt='' title='XM 2' height=\"400\" width=\"600\" itemprop=\"thumbnailUrl\"  srcset=\"https:\/\/xanderia.com\/wp-content\/uploads\/2023\/08\/XM-2.webp 600w, https:\/\/xanderia.com\/wp-content\/uploads\/2023\/08\/XM-2-300x200.webp 300w, https:\/\/xanderia.com\/wp-content\/uploads\/2023\/08\/XM-2-18x12.webp 18w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/div><\/div><\/div><\/div><div class=\"flex_column av_one_fifth  flex_column_div av-zero-column-padding   avia-builder-el-4  el_after_av_three_fifth  el_before_av_one_fifth\" style='border-radius:0px; '><\/div><div class=\"flex_column av_one_fifth  flex_column_div av-zero-column-padding first  avia-builder-el-5  el_after_av_one_fifth  el_before_av_three_fifth  column-top-margin\" style='border-radius:0px; '><\/div><div class=\"flex_column av_three_fifth  flex_column_div av-zero-column-padding   avia-builder-el-6  el_after_av_one_fifth  el_before_av_one_fifth  column-top-margin\" style='border-radius:0px; '><section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'   itemprop=\"text\" ><p style=\"text-align: justify;\">Sekiranya anda diisytiharkan muflis, apa kesan nama\u00a0<em class=\"x-el x-el-span c2-3g c2-3h c2-3 c2-58 c2-3p c2-3m c2-59 c2-5a\">blacklist<\/em>\u00a0atau kesan muflis kepada anda? Berikut 5 kesan muflis kepada diri anda yang perlu anda tahu:<\/p>\n<p style=\"text-align: justify;\"><strong class=\"x-el x-el-span c2-3g c2-3h c2-3 c2-58 c2-3p c2-2a c2-59\">1. Dibawah pengawasan Ketua Pengarah Insolvensi (KPI)<\/strong><\/p>\n<p style=\"text-align: justify;\">Setelah diisytiharkan muflis, seseorang individu akan berada dibawah pengawasan Ketua Pengarah Insolvensi (KPI). KPI akan mentadbir semua aset individu tersebut dan mengendalikannya untuk membayar hutang. Jadi setelah muflis, kesemua aset individu akan diletakkan dibawah pengendalian KPI.<\/p>\n<p style=\"text-align: justify;\"><strong class=\"x-el x-el-span c2-3g c2-3h c2-3 c2-58 c2-3p c2-2a c2-59\">2. Aset Dirampas<\/strong><\/p>\n<p style=\"text-align: justify;\">Kesemua aset-aset yang dimiliki oleh individu yang muflis akan dikendalikan oleh KPI. Sebagai contoh, mana-mana rumah atau kereta milik individu yang muflis tersebut akan diambil dan diuruskan oleh KPI bagi digunakan untuk membayar hutang-hutang yang ada.<\/p>\n<p style=\"text-align: justify;\"><strong class=\"x-el x-el-span c2-3g c2-3h c2-3 c2-58 c2-3p c2-2a c2-59\">3. Had perjalanan<\/strong><\/p>\n<p style=\"text-align: justify;\">Individu yang telah diisytiharkan muflis tidak dibenarkan untuk ke luar negara tanpa kebenaran bertulis dari KPI atau sebelum mendapatkan perintah mahkamah yang membenarkannya keluar dari negara.<\/p>\n<p style=\"text-align: justify;\"><strong class=\"x-el x-el-span c2-3g c2-3h c2-3 c2-58 c2-3p c2-2a c2-59\">4. Had Pekerjaan<\/strong><\/p>\n<p style=\"text-align: justify;\">Bagi sesetengah profesion tertentu di Malaysia seperti peguam, akauntan dan doktor, mereka tidak dibenarkan untuk bekerja atau mempunyai sekatan terhadap individu yang muflis oleh persatuan profesional atau pihak berkuasa.<\/p>\n<p style=\"text-align: justify;\">Selain itu, individu yang muflis juga tidak boleh dilantik sebagai pengarah syarikat, memiliki perniagaan atau menjadi sebahagian daripada pemilik perniagaan.<\/p>\n<p style=\"text-align: justify;\"><strong class=\"x-el x-el-span c2-3g c2-3h c2-3 c2-58 c2-3p c2-2a c2-59\">5. Kredit terhad<\/strong><\/p>\n<p style=\"text-align: justify;\">Akaun bank yang sedia ada akan dibatalkan dan individu yang muflis dilarang daripada melakukan sebarang pengeluaran wang daripada akaun bank yang sedia ada.<\/p>\n<p style=\"text-align: justify;\">Selain itu, individu muflis juga tidak dibenarkan untuk membelanjakan lebih dari RM1,000 menggunakan kad kredit atau mendapatkan kredit lebih dari RM1,000 dari mana-mana pemiutang. Atau maksud yang lebih mudah, individu muflis tidak boleh membuka akaun bank dan tidak boleh membeli kereta.<\/p>\n<\/div><\/section><\/div><div class=\"flex_column av_one_fifth  flex_column_div av-zero-column-padding   avia-builder-el-8  el_after_av_three_fifth  el_before_av_postslider  column-top-margin\" style='border-radius:0px; '><\/div><div   data-autoplay=''  data-interval='5'  data-animation='fade'  data-show_slide_delay='90'  class='avia-content-slider avia-content-slider-active avia-content-slider1 avia-content-slider-even  avia-builder-el-9  el_after_av_one_fifth  el_before_av_one_third'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Blog\" ><div class='avia-content-slider-inner'><div class='slide-entry-wrap'><article class='slide-entry flex_column  post-entry post-entry-22083 slide-entry-overview slide-loop-1 slide-parity-odd  av_one_fourth first real-thumbnail post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><a href='https:\/\/xanderia.com\/my\/blog\/2026\/03\/14\/xanderia-kembara-prihatin-kesatuan-sekerja-negeri-sembilan\/' data-rel='slide-1' class='slide-image' title='Kembara Prihatin Negeri Sembilan: Xanderia Menyantuni Penjawat Awam Sempena Bulan Ramadhan'><img decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/03\/WhatsApp-Image-2026-03-10-at-4.04.43-PM-260x185.jpeg\" class=\"wp-image-22096 avia-img-lazy-loading-not-22096 attachment-portfolio_small size-portfolio_small wp-post-image\" alt=\"\" srcset=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/03\/WhatsApp-Image-2026-03-10-at-4.04.43-PM-260x185.jpeg 260w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/03\/WhatsApp-Image-2026-03-10-at-4.04.43-PM-16x12.jpeg 16w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/a><div class='slide-content'><header class=\"entry-content-header\"><h3 class='slide-entry-title entry-title'  itemprop=\"headline\" ><a 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>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"read-more-link\"><a href=\"https:\/\/xanderia.com\/my\/blog\/2025\/07\/22\/literasi-kewangan-malaysia-5-langkah-bijak\/\" class=\"more-link\">Read more<span class=\"more-link-arrow\"><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/xanderia.com\/wp-content\/uploads\/2025\/07\/woman-working-late-project-scaled.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1707<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2560<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Haryth Singularity<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope 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post-entry post-entry-18952 slide-entry-overview slide-loop-3 slide-parity-odd  av_one_fourth  real-thumbnail post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><a href='https:\/\/xanderia.com\/my\/blog\/2025\/06\/24\/jenis-skim-cepat-kaya-penjawat-awam\/' data-rel='slide-1' class='slide-image' title='Hati-Hati! 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Jenis-Jenis Skim Cepat Kaya Yang Sasar Penjawat Awam<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-18947 slide-entry-overview slide-loop-4 slide-parity-even  av_one_fourth  real-thumbnail post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><a href='https:\/\/xanderia.com\/my\/blog\/2025\/06\/18\/penipuan-bungkusan-malaysia-2025\/' data-rel='slide-1' class='slide-image' title='Semakin Ramai Rakyat Malaysia Terpedaya dengan Penipuan Bungkusan: Jangan Bayar untuk Barang yang Tak Pernah Anda Tempah'><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2025\/06\/young-man-delivering-package-customer-home-delivery-260x185.jpg\" class=\"wp-image-18948 avia-img-lazy-loading-not-18948 attachment-portfolio_small size-portfolio_small wp-post-image\" alt=\"\" srcset=\"https:\/\/xanderia.com\/wp-content\/uploads\/2025\/06\/young-man-delivering-package-customer-home-delivery-260x185.jpg 260w, https:\/\/xanderia.com\/wp-content\/uploads\/2025\/06\/young-man-delivering-package-customer-home-delivery-18x12.jpg 18w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/a><div class='slide-content'><header class=\"entry-content-header\"><h3 class='slide-entry-title entry-title'  itemprop=\"headline\" ><a href='https:\/\/xanderia.com\/my\/blog\/2025\/06\/18\/penipuan-bungkusan-malaysia-2025\/' title='Semakin Ramai Rakyat Malaysia Terpedaya dengan Penipuan Bungkusan: Jangan Bayar untuk Barang yang Tak Pernah Anda Tempah'>Semakin Ramai Rakyat Malaysia Terpedaya dengan Penipuan Bungkusan: Jangan Bayar untuk Barang yang Tak Pernah Anda Tempah<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-meta'><div class='slide-meta-comments'><a 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