{"id":2469,"date":"2023-08-11T02:28:02","date_gmt":"2023-08-11T02:28:02","guid":{"rendered":"https:\/\/xanderia.com\/?p=2469"},"modified":"2024-09-11T09:44:28","modified_gmt":"2024-09-11T09:44:28","slug":"apa-itu-muflis","status":"publish","type":"post","link":"https:\/\/xanderia.com\/my\/blog\/2023\/08\/11\/apa-itu-muflis\/","title":{"rendered":"APA ITU MUFLIS?"},"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\"  >APA ITU MUFLIS?<\/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>\n<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-2470 avia-img-lazy-loading-not-2470 avia_image' src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2023\/08\/XM-4.webp\" alt='' title='XM 4' height=\"408\" width=\"612\" itemprop=\"thumbnailUrl\"  srcset=\"https:\/\/xanderia.com\/wp-content\/uploads\/2023\/08\/XM-4.webp 612w, https:\/\/xanderia.com\/wp-content\/uploads\/2023\/08\/XM-4-300x200.webp 300w, https:\/\/xanderia.com\/wp-content\/uploads\/2023\/08\/XM-4-18x12.webp 18w\" sizes=\"(max-width: 612px) 100vw, 612px\" \/><\/div><\/div><\/div><\/div>\n<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>\n<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>\n<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;\">Anda pernah dengar dan tahu apa itu muflis atau erti kata lain bankrup? Ia merupakan proses dimana penghutang (individu yang berhutang wang kepada pemiutang) diisytiharkan muflis berikutan arahan mahkhamah yang dikenali sebagai Perintah Penghukuman dari Mahkhamah Tinggi terhadap individu tersebut. Muflis atau bankrup ini adalah satu perkara yang disegani ramai penghutang di Malaysia. Ia biasanya merujuk sebagai keadaan yang sangat tidak bernasib baik.<\/p>\n<p style=\"text-align: justify;\">Terdapat beberapa kriteria yang akan menyebabkan seseorang individu itu diisytiharkan muflis di Malaysia:<\/p>\n<ul style=\"text-align: justify;\">\n<li>Tidak berupaya untuk melangsaikan hutang berjumlah tidak kurang daripada RM50,000<\/li>\n<li>Tidak membayar hutang melebihi tempoh masa enam bulan<\/li>\n<li>Individu yang menetap di Malaysia sekurang-kurangnya selama setahun.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Seseorang individu juga boleh diisytiharkan muflis tanpa pengetahuan apabila:<\/p>\n<ul style=\"text-align: justify;\">\n<li>Dokumen undang-undang telah dihantar ke alamat lama<\/li>\n<li>Pengisytiharan muflis diserahkan melalui prosedur penyampaian ganti<\/li>\n<li>Individu tersebut tidak hadir ke mahkamah<\/li>\n<li>Individu tersebut tidak menerima atau tidak membuka dokumen undang-undang yang telah dihantar kepadanya<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Kalau anda semua nak tahu, berdasarkan statistik yang dikeluarkan Jabatan Insolvensi Malaysia (JIM), seramai 10,317 individu telah diisytiharkan muflis sejak pandemik COVID-19 melanda Malaysia bermula Mac 2020 yang lalu. Negeri Selangor telah merekodkan individu paling ramai direkodkan muflis iaitu seramai 2,555 orang manakala Kuala Lumpur, Putrajaya dan Labuan pula merekodkan seramai 1,288 orang muflis dalam tempoh tersebut.<\/p>\n<p style=\"text-align: justify;\">Anda pernah terfikir sebab kenapa seseorang itu boleh muflis atau bankrup? Mungkin anda fikir perniagaan mereka merosot dan tidak ada keuntungan. Ataupun mereka itu seorang yang suka membeli barangan mewah luar daripada kemampuan mereka lalu mengumpul hutang dari kad kredit.<\/p>\n<p style=\"text-align: justify;\">Sebenarnya, majoriti kes muflis di Malaysia menurut data JIM salah satunya adalah disebabkan oleh pembiayaan kereta (36%), diikuti dengan pembiayaan perumahan (26%), pembiayaan peribadi (24%), dan pembiayaan perniagaan (14%).<\/p>\n<p style=\"text-align: justify;\">Jadi, anda perlu berhati-hati apabila anda melaksakanan pembiayaan dari bank atau mana-mana dan pastikan anda mampu membayar balik hutang dengan ansuran bulanan. Jika hidup anda secara tiba-tiba menghadapi kesusahan untuk membayar balik hutang, anda boleh mempertimbangkan jalan penyelesaian hutang seperti penyatuan hutang <em class=\"x-el x-el-span c2-3p c2-3q c2-3 c2-5e c2-2w c2-3u c2-5f c2-5g\">(overlap)\u00a0<\/em>atau penstrukturan semula hutang.<\/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_hr  column-top-margin\" style='border-radius:0px; '><\/div><\/p>\n<div   class='hr hr-default   avia-builder-el-9  el_after_av_one_fifth  el_before_av_postslider'><span class='hr-inner' ><span class='hr-inner-style'><\/span><\/span><\/div>\n<div   data-autoplay='1'  data-interval='4'  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-10  el_after_av_hr  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 href='https:\/\/xanderia.com\/my\/blog\/2026\/03\/14\/xanderia-kembara-prihatin-kesatuan-sekerja-negeri-sembilan\/' title='Kembara Prihatin Negeri Sembilan: Xanderia Menyantuni Penjawat Awam Sempena Bulan Ramadhan'>Kembara Prihatin Negeri Sembilan: Xanderia Menyantuni Penjawat Awam Sempena Bulan Ramadhan<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-meta'><div class='slide-meta-comments'><a href='https:\/\/xanderia.com\/my\/blog\/2026\/03\/14\/xanderia-kembara-prihatin-kesatuan-sekerja-negeri-sembilan\/#respond'>0 Comments<\/a><\/div><div class='slide-meta-del'>\/<\/div><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-03-14T08:58:58+00:00\" >Mac 14, 2026<\/time><\/div><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\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\r\n\r\n\r\n\r\n\r\n\r\n<\/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\/2026\/03\/WhatsApp-Image-2026-03-10-at-4.04.43-PM.jpeg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>960<\/span>\n\t\t\t\t\t\t<span itemprop='width'>1280<\/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 itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/xanderia.com\/wp-content\/uploads\/2025\/12\/Xanderia-NewLogo-300x300.png<\/span>\n\t\t\t\t\t\t <\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Haryth Singularity<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2023-08-11T02:28:02+00:00\" >2026-03-14 08:58:58<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-03-14 09:04:41<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Kembara Prihatin Negeri Sembilan: Xanderia Menyantuni Penjawat Awam Sempena Bulan Ramadhan<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-18999 slide-entry-overview slide-loop-2 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\/07\/22\/literasi-kewangan-malaysia-5-langkah-bijak\/' data-rel='slide-1' class='slide-image' title='Realiti Wang di Malaysia: 7 daripada 10 Dewasa Terlalu Hampir Dengan Masalah Kewangan\u2014Apa Yang Anda Boleh Buat Sekarang'><img decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2025\/07\/woman-working-late-project-260x185.jpg\" class=\"wp-image-19000 avia-img-lazy-loading-not-19000 attachment-portfolio_small size-portfolio_small wp-post-image\" alt=\"\" srcset=\"https:\/\/xanderia.com\/wp-content\/uploads\/2025\/07\/woman-working-late-project-260x185.jpg 260w, https:\/\/xanderia.com\/wp-content\/uploads\/2025\/07\/woman-working-late-project-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\/07\/22\/literasi-kewangan-malaysia-5-langkah-bijak\/' title='Realiti Wang di Malaysia: 7 daripada 10 Dewasa Terlalu Hampir Dengan Masalah Kewangan\u2014Apa Yang Anda Boleh Buat Sekarang'>Realiti Wang di Malaysia: 7 daripada 10 Dewasa Terlalu Hampir Dengan Masalah Kewangan\u2014Apa Yang Anda Boleh Buat Sekarang<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-meta'><div class='slide-meta-comments'><a href='https:\/\/xanderia.com\/my\/blog\/2025\/07\/22\/literasi-kewangan-malaysia-5-langkah-bijak\/#respond'>0 Comments<\/a><\/div><div class='slide-meta-del'>\/<\/div><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2025-07-22T01:32:58+00:00\" >Julai 22, 2025<\/time><\/div><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\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><\/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 itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span 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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! Jenis-Jenis Skim Cepat Kaya Yang Sasar Penjawat Awam'><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2025\/06\/fantasy-scene-wealth-260x185.jpg\" class=\"wp-image-18960 avia-img-lazy-loading-not-18960 attachment-portfolio_small size-portfolio_small wp-post-image\" alt=\"\" srcset=\"https:\/\/xanderia.com\/wp-content\/uploads\/2025\/06\/fantasy-scene-wealth-260x185.jpg 260w, https:\/\/xanderia.com\/wp-content\/uploads\/2025\/06\/fantasy-scene-wealth-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\/24\/jenis-skim-cepat-kaya-penjawat-awam\/' title='Hati-Hati! Jenis-Jenis Skim Cepat Kaya Yang Sasar Penjawat Awam'>Hati-Hati! Jenis-Jenis Skim Cepat Kaya Yang Sasar Penjawat Awam<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-meta'><div class='slide-meta-comments'><a href='https:\/\/xanderia.com\/my\/blog\/2025\/06\/24\/jenis-skim-cepat-kaya-penjawat-awam\/#respond'>0 Comments<\/a><\/div><div class='slide-meta-del'>\/<\/div><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2025-06-24T09:26:40+00:00\" >Jun 24, 2025<\/time><\/div><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\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\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\u2026<\/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\/06\/fantasy-scene-wealth-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 itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/xanderia.com\/wp-content\/uploads\/2025\/12\/Xanderia-NewLogo-300x300.png<\/span>\n\t\t\t\t\t\t <\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Haryth Singularity<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2023-08-11T02:28:02+00:00\" >2025-06-24 09:26:40<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2025-06-24 09:32:54<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Hati-Hati! 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=\"\" 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