Today, Knowledge Management today are not limited merely to : (A) 'knowing' or 'reading lots of books/scholarly articles' or (B) data mining, analysis, decision making, preventive actions, or (C) some Human Resources Management issue or (D) some ICT issue. Knowledge Management is about putting your knowledge, skills and competency into practice and most important IT WORKS! For you and your company or your business (Nik Zafri) Can I still offer consultancy or training? Who claims otherwise? Absolutely, I can.

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Email: nikzafri@yahoo.com, nikzafri@gmail.com

Kelantanese, Alumni of Sultan Ismail College Kelantan (SICA), IT Competency Cert, Certified Written English Professional US. Has participated in many seminars/conferences (local/ international) in the capacity of trainer/lecturer and participant.

Affiliations :- Network Member of Gerson Lehrman Group, Institute of Quality Malaysia, Auditor ISO 9000 IRCAUK, Auditor OHSMS (SIRIM and STS) /EMS ISO 14000 and Construction Quality Assessment System CONQUAS, CIDB (Now BCA) Singapore),

* Possesses almost 30 years of experience/hands-on in the multi-modern management & technical disciplines (systems & methodologies) such as Knowledge Management (Hi-Impact Management/ICT Solutions), Quality (TQM/ISO), Safety Health Environment, Civil & Building (Construction), Manufacturing, Motivation & Team Building, HR, Marketing/Branding, Business Process Reengineering, Economy/Stock Market, Contracts/Project Management, Finance & Banking, etc. He was employed to international bluechips involving in national/international megaprojects such as Balfour Beatty Construction/Knight Piesold & Partners UK, MMI Insurance Group Australia, Hazama Corporation (Hazamagumi) Japan (with Mitsubishi Corporation, JA Jones US, MMCE and Ho-Hup) and Sunway Construction Berhad (The Sunway Group of Companies). Among major projects undertaken : Pergau Hydro Electric Project, KLCC Petronas Twin Towers, LRT Tunnelling, KLIA, Petronas Refineries Melaka, Putrajaya Government Complex, Sistem Lingkaran Lebuhraya Kajang (SILK), Mex Highway, KLIA1, KLIA2 etc. Once serviced SMPD Management Consultants as Associate Consultant cum Lecturer for Diploma in Management, Institute of Supervisory Management UK/SMPD JV. Currently – Associate/Visiting Consultants/Facilitators, Advisors for leading consulting firms (local and international) including project management. To name a few – Noma SWO Consult, Amiosh Resources, Timur West Consultant Sdn. Bhd., TIJ Consultants Group (Malaysia and Singapore) and many others.

* Ex-Resident Weekly Columnist of Utusan Malaysia (1995-1998) and have produced more than 100 articles related to ISO-9000– Management System and Documentation Models, TQM Strategic Management, Occupational Safety and Health (now OHSAS 18000) and Environmental Management Systems ISO 14000. His write-ups/experience has assisted many students/researchers alike in module developments based on competency or academics and completion of many theses. Once commended by the then Chief Secretary to the Government of Malaysia for his diligence in promoting and training the civil services (government sector) based on “Total Quality Management and Quality Management System ISO-9000 in Malaysian Civil Service – Paradigm Shift Scalar for Assessment System”

Among Nik Zafri’s clients : Adabi Consumer Industries Sdn. Bhd, (MRP II, Accounts/Credit Control) The HQ of Royal Customs and Excise Malaysia (ISO 9000), Veterinary Services Dept. Negeri Sembilan (ISO 9000), The Institution of Engineers Malaysia (Aspects of Project Management – KLCC construction), Corporate HQ of RHB (Peter Drucker's MBO/KRA), NEC Semiconductor - Klang Selangor (Productivity Management), Prime Minister’s Department Malaysia (ISO 9000), State Secretarial Office Negeri Sembilan (ISO 9000), Hidrological Department KL (ISO 9000), Asahi Kluang Johor(System Audit, Management/Supervisory Development), Tunku Mahmood (2) Primary School Kluang Johor (ISO 9000), Consortium PANZANA (HSSE 3rd Party Audit), Lecturer for Information Technology Training Centre (ITTC) – Authorised Training Center (ATC) – University of Technology Malaysia (UTM) Kluang Branch Johor, Kluang General Hospital Johor (Management/Supervision Development, Office Technology/Administration, ISO 9000 & Construction Management), Kahang Timur Secondary School Johor (ISO 9000), Sultan Abdul Jalil Secondary School Kluang Johor (Islamic Motivation and Team Building), Guocera Tiles Industries Kluang Johor (EMS ISO 14000), MNE Construction (M) Sdn. Bhd. Kota Tinggi Johor (ISO 9000 – Construction), UITM Shah Alam Selangor (Knowledge Management/Knowledge Based Economy /TQM), Telesystem Electronics/Digico Cable(ODM/OEM for Astro – ISO 9000), Sungai Long Industries Sdn. Bhd. (Bina Puri Group) - ISO 9000 Construction), Secura Security Printing Sdn. Bhd,(ISO 9000 – Security Printing) ROTOL AMS Bumi Sdn. Bhd & ROTOL Architectural Services Sdn. Bhd. (ROTOL Group) – ISO 9000 –Architecture, Bond M & E (KL) Sdn. Bhd. (ISO 9000 – Construction/M & E), Skyline Telco (M) Sdn. Bhd. (Knowledge Management),Technochase Sdn. Bhd JB (ISO 9000 – Construction), Institut Kefahaman Islam Malaysia (IKIM – ISO 9000 & Internal Audit Refresher), Shinryo/Steamline Consortium (Petronas/OGP Power Co-Generation Plant Melaka – Construction Management and Safety, Health, Environment), Hospital Universiti Kebangsaan Malaysia (Negotiation Skills), Association for Retired Intelligence Operatives of Malaysia (Cyber Security – Arpa/NSFUsenet, Cobit, Till, ISO/IEC ISMS 27000 for Law/Enforcement/Military), T.Yamaichi Corp. (M) Sdn. Bhd. (EMS ISO 14000) LSB Manufacturing Solutions Sdn. Bhd., (Lean Scoreboard (including a full development of System-Software-Application - MSC Malaysia & Six Sigma) PJZ Marine Services Sdn. Bhd., (Safety Management Systems and Internal Audit based on International Marine Organization Standards) UNITAR/UNTEC (Degree in Accountacy – Career Path/Roadmap) Cobrain Holdings Sdn. Bhd.(Managing Construction Safety & Health), Speaker for International Finance & Management Strategy (Closed Conference), Pembinaan Jaya Zira Sdn. Bhd. (ISO 9001:2008-Internal Audit for Construction Industry & Overview of version 2015), Straits Consulting Engineers Sdn. Bhd. (Full Integrated Management System – ISO 9000, OHSAS 18000 (ISO 45000) and EMS ISO 14000 for Civil/Structural/Geotechnical Consulting), Malaysia Management & Science University (MSU – (Managing Business in an Organization), Innoseven Sdn. Bhd. (KVMRT Line 1 MSPR8 – Awareness and Internal Audit (Construction), ISO 9001:2008 and 2015 overview for the Construction Industry), Kemakmuran Sdn. Bhd. (KVMRT Line 1 - Signages/Wayfinding - Project Quality Plan and Construction Method Statement ), Lembaga Tabung Haji - Flood ERP, WNA Consultants - DID/JPS -Flood Risk Assessment and Management Plan - Prelim, Conceptual Design, Interim and Final Report etc., Tunnel Fire Safety - Fire Risk Assessment Report - Design Fire Scenario), Safety, Health and Environmental Management Plans leading construction/property companies/corporations in Malaysia, Timur West Consultant : Business Methodology and System, Information Security Management Systems (ISMS) ISO/IEC 27001:2013 for Majlis Bandaraya Petaling Jaya ISMS/Audit/Risk/ITP Technical Team, MPDT Capital Berhad - ISO 9001: 2015 - Consultancy, Construction, Project Rehabilitation, Desalination (first one in Malaysia to receive certification on trades such as Reverse Osmosis Seawater Desalination and Project Recovery/Rehabilitation)

* Has appeared for 10 consecutive series in “Good Morning Malaysia RTM TV1’ Corporate Talk Segment discussing on ISO 9000/14000 in various industries. For ICT, his inputs garnered from his expertise have successfully led to development of work-process e-enabling systems in the environments of intranet, portal and interactive web design especially for the construction and manufacturing. Some of the end products have won various competitions of innovativeness, quality, continual-improvements and construction industry award at national level. He has also in advisory capacity – involved in development and moderation of websites, portals and e-profiles for mainly corporate and private sectors, public figures etc. He is also one of the recipients for MOSTE Innovation for RFID use in Electronic Toll Collection in Malaysia.

Note :




Tuesday, June 11, 2024



Remember the bribery cases involving FIFA? the international governing body for football (soccer). One of the most notable cases is the FIFA corruption scandal that came to light in 2015.

The FIFA corruption scandal involved allegations of widespread corruption, bribery, and racketeering among FIFA officials and other football administrators. The investigation, led primarily by the United States Department of Justice, uncovered a range of corrupt practices, including bribery related to the selection of host countries for the FIFA World Cup, the awarding of broadcasting rights, and other commercial deals.

Numerous FIFA officials and executives were indicted and arrested on charges of corruption, including bribery, money laundering, and fraud. Several high-ranking officials were banned from involvement in football-related activities due to their involvement in the scandal.

The FIFA corruption scandal prompted widespread condemnation and led to calls for reform within the organization. FIFA implemented various measures to improve transparency, governance, and integrity, including the establishment of independent oversight bodies and the adoption of stricter ethical standards.

The FIFA corruption scandal serves as a stark reminder of the challenges facing international sports organizations in combating corruption and preserving the integrity of the sport. It underscores the importance of robust governance mechanisms, transparency, and accountability in preventing bribery and corruption within football and other sports.

Bribery and Illegal Bookmakers

When discussing corruption in football, it's essential to consider bribery and the involvement of illegal bookmakers simultaneously.

To spot, address and prevent bribery in soccer requires vigilance, transparency, and strong ethical standards. Knowing the common signs of bribery is very important. Issues like sudden outcomes or players/managers behaving suspiciously.

Despite there have been great effort to educate everyone involved on the consequences of bribery and corruption, understanding the importance of maintaining integrity is another matter. Sometimes, the problem in raising awareness in football is the need to include more and more legislations.

It is also important to understand the MO of illegal bookmakers. They often offer large sums of money to players, coaches, referees, or other individuals involved in football matches to influence the outcome of games. This financial incentive can tempt individuals to engage in bribery and corruption. Illegal bookmakers seek to manipulate betting markets by bribing players or officials to fix the results of matches. By controlling the outcome of games, they can profit from betting on predetermined results, undermining the integrity of the sport. These illegal operations will undermine fair competition.

Illegal bookmakers tend to find vulnerable individuals to participate in bribery schemes. The vulnerable individuals are more susceptible to bribery offers due to their personal circumstances. Thus, the management need to be vigilant on the staff that they have hired. Screen them if necessary.

Football associations and clubs in Malaysia must support integrity initiatives dedicated to combating match-fixing, corruption, and illegal betting in sports. Contribute resources and expertise to their efforts to protect the integrity of soccer and other sports. Be open to collaborate with law enforcement agencies to investigate and prosecute illegal bookmakers and their associates. The management also need to share intelligence and coordinate efforts to disrupt the illegal operation.

We need to establish clear and strict rules against bribery and corruption. Make sure everyone involved, from players to officials, understands these rules and the penalties for breaking them. This must include the risks associated with illegal betting and the importance of reporting any suspicious approaches or activities.

The management of football associations and clubs need to ensure strong governance structures within the sport to prevent opportunities for bribery, matchfixing and illegal bookmakers. This includes having transparent decision-making processes and accountability mechanisms. Transparency as part of important core elements of good governance helps build trust and deter individuals from engaging in unethical behavior.

However, lack of transparency may support further growth of the clandestine nature of bribery and illegal bookmaking operations which will make them difficult to detect and investigate. Transactions often take place under the radar, away from public scrutiny, making it challenging for authorities to uncover evidence of wrongdoing.

There is also the need to establish strict anti-corruption policies and protocols within soccer organizations in Malaysia, including codes of conduct, reporting mechanisms, and disciplinary measures for those involved in illegal betting.

Whistleblowers (officials or even fans from fanclub) in football matches witnessing elements or signs of bribery is important. There is a need to create a safe environment for individuals to report suspicious behavior without fear of retaliation. There is also a need to implement anonymous reporting systems in football associations to encourage transparency. The management of associations need to take any allegations of bribery seriously and conduct thorough investigations.

It's a good move to alert the authorities or better involve them as well. Collaboration with law enforcement agencies (such as SPRM) and relevant authorities to tackle bribery and corruption effectively. If bribery is discovered, take swift and decisive action against the offenders. This may include banning them from the sport or pursuing legal action.

Preventing bribery in soccer requires a collective effort from everyone involved, including players, officials, administrators, and fans. By promoting integrity, transparency, and accountability, the sport can maintain its credibility and uphold its values.

Matchfixing and bribery can be detected by working closely with the management, managers, players, ex-players and whistleblowers. Malaysia has regulated that all forms of sports betting (at bookmakers) and online gambling as illegal. Illegal bookmakers in football involves several measures aimed at identifying their activities, disrupting their operations, and implementing preventive strategies.

The whistle blower or undercover officials need to monitor betting patterns especially involving large sums of money and match the sudden shifts in odds. Analyzing data carefully can potentially identify suspicious activities. This can also be a high risk job as bribery and illegal bookmaking operations often involve complex networks of individuals and organized crime syndicates (possibly money laundering activities as well) These networks can be difficult to detect and dismantle, requiring extensive resources and expertise.

Security measures need to be beefed up at stadiums, training facilities, and other venues to prevent unauthorized access by individuals associated with illegal bookmaking operations.

So far, the existing laws and regulations against illegal gambling activities are adequate, including prosecuting bookmakers operating outside the law and confiscating their assets. But there is also a need to continually promote awareness to the general public about illegal bookmakers and the harsh punishment that comes with it.

Nowadays we need to leverage technology, such as data analytics and surveillance systems, to identify and track illegal bookmakers and their networks. I suggest a collaboration with technology companies to develop tools for detecting and preventing illegal betting activities.

By implementing these measures and fostering collaboration among stakeholders, soccer organizations can effectively spot, take action against, and prevent illegal bookmaking activities, safeguarding the integrity and credibility of the sport.

Addressing these challenges requires a concerted effort from football organizations, government authorities, law enforcement agencies, and other stakeholders to implement comprehensive strategies aimed at preventing bribery and illegal betting, strengthening governance and integrity measures, and fostering a culture of transparency and accountability within the sport.

Public perception towards bribery and illegal bookmaking in football in Malaysia is typically negative. These activities are seen as undermining the integrity of the sport and compromising its fairness. Bribery involving acceptance of money or other incentives to influence the outcome of matches, is widely condemned as it distorts the natural competition and erodes trust in the game.

Similarly, illegal bookmaking, which involves unauthorized gambling on football matches often with ties to organized crime, is viewed as harmful. It can lead to match-fixing, manipulation of odds, and other illicit activities that tarnish the reputation of football and threaten its legitimacy as a sport.

Fans, authorities, and stakeholders in football generally advocate for strict measures to combat bribery and illegal bookmaking, including robust regulations, investigations, and penalties for those involved. There's a growing recognition that maintaining the integrity of the game is crucial for its long-term sustainability and credibility.

Friday, June 07, 2024


Disclaimer : This brief article represents solely my personal research findings. I do not act as a representative of any mentioned party. The views expressed are strictly my own and do not represent those of the parties referenced herein. Additionally, I may not be updated with the latest insurance reporting procedures. Your input to rectify any inaccuracies in my research is greatly appreciated.

The Anti-Money Laundering, Anti-Terrorism and Proceeds of Unlawful Activities Act 2001 (“the Act”) came into force on 15.1.2001 is aimed at thwarting money laundering, terrorism financing, and the utilization of illicit funds. Reporting entities are mandated to disclose any dubious circumstances, as outlined in the Act, along with sector-specific directives or rules set forth by the Bank Negara Malaysia.

I am more interested to touch on Insurance Sector and how reporting is done.

Insurance fraud entails engaging in deceptive actions to achieve illegitimate gains within an insurance procedure. It happens when either the insurer or the claimant seeks to acquire benefits they are not rightfully entitled to, or when an insurer deliberately withholds benefits rightfully owed. 

Fraud like these adversely affects policyholders, resulting in millions of ringgits lost through elevated premiums and inflated prices for goods and services. Pinpointing the precise cost of insurance fraud proves challenging as a significant portion of instances remain undisclosed.

Examples of insurance fraud that may involve the claimant and/or be known to insurer officials include:

a. Fabricating Claims - Orchestrating staged accidents, such as fake "oil spillage" incidents or chain collisions, to gain possession of the vehicle(s) for repairs.

b. Exaggerating Loss Amounts - Submitting inflated claims where the severity of damage or injuries sustained in a legitimate accident is overstated.

c. Providing False Information for Compensation - Presenting inflated or "padded" claims where the extent of damage or injuries sustained in a genuine accident is misrepresented.

Quoting 14A. (1) of Anti-Money Laundering, Anti-Terrorism, Financing and Proceeds of Unlawful Activities Act (AMLATFPUA) 2001 :

Any person who knows or has reason to suspect that a reporting institution is proposing to report, is reporting or has lodged a report under section 14 or is proposing to provide, is providing or has provided any other related information to the competent authority and discloses such knowledge, suspicion or information to any other person commits an offence and shall on conviction be liable to a fine not exceeding three million ringgit or to imprisonment for a term not exceeding five years or to both.

In this context :

•            Any person        : claimant/insurer officials,

•            Reporting Institution: Insurance Company,

•            Competent Authority: Persatuan Insurans Am Malaysia (PIAM)

The competent authority duly authorized by BNM for reporting fraud is Persatuan Insurans Am Malaysia (PIAM).

However, I noticed some limitations:

Possible ambiguity regarding whether compliance officials (or a member of general public) can utilize the same form (FRCF) to report against another officials - if so, will it reach BNM or any other authority (will such insurance compliance official be protected under the Witness Protection Act 2009 (Act 696),

The general reporting period allocated is six (6) months but clarity is potentially lacking on other types of cases,

Unresolved issues can be reported to either the Ombudsman for Financial Services (OFS) or BNM. 

Nevertheless, there appear to be limitations on BNM side in handling complaints of misconduct, which may not be consistent with Section 14 (A) of AMLATFPUA.

The reporting procedure by other institutions such as Banking and Financial Institutions are generally clear, but there appear to be "some exceptions" regarding reporting insurance incidents, which I consider vague, especially concerning officials reporting misconduct against another official.

If these are valid concerns - there's a need for improvement to ensure that there are no restrictions on disclosing reports directly to Bank Negara Malaysia, aside from PIAM or OFS.

Thursday, May 30, 2024


Officiated by YAB Dato’ Seri Anwar bin Ibrahim, The Prime Minister of Malaysia - who also deliver a speech on Global Islamic Economy: A Reform Agenda for Shared Prosperity
Would like to thank the organizer Bank Negara Malaysia in collaboration with the Securities Commission Malaysia, Labuan Financial Services Authority, the IILM - International Islamic Liquidity Management Corporation, the Islamic Development Bank (IsDB), the Islamic Financial Services Board (IFSB) and the The World Bank Group - for having us who are representing the grassroots, community and small people hoping to get some briefing from us after the event.
(Personal Note : also would like to thank many colleagues who have been great supporters to me as well)
Themed ‘Shaping a Resilient Global Islamic Economy Through Values-based Reforms’, #GFIEF gathers policymakers, business leaders, and financial service providers from all around the world to engage in discussion and collaborate to build a future where Islamic economics and finance can play a pivotal role in fostering shared prosperity and equity.
Encountered distinguished figures such as Datuk Abdul Rasheed Ghaffour, the Governor of Bank Negara Malaysia, who delivered the keynote remark, alongside esteemed individuals like Tan Sri Nor Mohamed bin Yakcop, Tan Sri DS Wahid Omar, and senior corporate leader Tan Sri Dato' Azman Mokhtar and many others. Also in attendance were Yang Mulia Ungku Tan Sri Dr. Zeti Akhtar binti Ungku Abdul Aziz (Dinner), YBM Senator DS Utama Tengku Zafrul Aziz, Dato' Seri Dr. Awang Adek Hussin, and numerous others. Among the honored guests was Her Excellency Sri Mulyani Indrawati, the Minister of Finance from #Indonesia.
It was a remarkable opportunity to engage with eminent Islamic scholars and guest speakers, delving into comprehensive discussions and analyses of various aspects of Islamic Economics and Finance. Among others are Dame Susan Rice and Dr. Giath Sabsigh. Also met Tan Sri Andrew Sheng and many others.
Attending the exhibition was always a highlight for us, offering valuable connections with diverse banking and financial institutions.
(Interestingly, I met the son of my esteemed cousin, who is employed in the field - well it runs in the family - can't mention names due to privacy)
Malaysia can now proudly proclaim as the leader in Islamic Economy and Finance, (apart from Halal products/Islamic Banking) Most important to us is the emphasis placed by everyone on addressing the crucial issue of bridging the gap between the affluent and the underprivileged.
Key themes that resonated with me included Maqasid Shariah, Sukuk, Equity, Inclusivity, Advancements in Islamic versus Conventional Economics and Finance, Bursa Malaysia and emerging Shariah-compliant exchanges, Zakat and Waqf, Islamic Financial Standards, Guidelines, Policies, White Papers, Utilization of AI, and Islamic Payment Gateways, among others.

Wednesday, May 15, 2024

Anda Muflis? Sedikit nasihat pada rakan-rakan. (Hard Talk)

Muflis? AKPK? Insolvensi? adalah antara perkataan yang paling ditakuti oleh pendengarnya. Ramai si muflis yang mengalami depresi, masalah rumahtangga, rasa hilang harga diri, sukar mendapat kerja, gagal membuka akaun, gagal ke luar negara, tidak dapat mengeluarkan duit ASNB dan lain-lain.

Akta 360 Insolvensi 1967 telahpun dipinda. "Pelepasan Automatik" juga masih tertakluk kepada beberapa syarat :

1) pengisytiharan kebankrapan melepasi tempoh lima tahun dari tarikh perintah penerimaan/penghukuman/perintah kebankrapan.

2) jumlah hutang atau baki tidak melebihi RM50,000.

3) tiada perintah mahkamah, prosiding mahkamah dan/atau prosiding penyiasatan dijalankan ke atas bankrap yang menghalang pelepasan.

Nasihat saya, jangan takut untuk menghubungi Jabatan Insolvensi Malaysia (Mdl) mahupun Agensi Kaunseling dan Pengurusan Kredit (AKPK) berdekatan kerana mereka adalah agensi dan jabatan yang membantu dan bukan menyusahkan.

Jangan percaya khabar atau "cakap orang" yang tidak bertauliah mengenai muflis ATAU mengenai agensi/jabatan ini atau berkait politik kerana "nasihat" ini akan menakutkan anda atau mungkin ada pihak yang cuba mengambil peluang yang akan menyusahkan diri dan keluarga anda.

Jangan lari dari tindakan undang-undang atau membuat penipuan maklumat mengenai diri anda semasa memohon pekerjaan, membuka akaun atau membuat pelaburan atau cuba ke luar negara menerusi negara jiran dll. - di suatu masa nanti, anda akan menyusahkan diri anda sendiri termasuk keluarga anda yang mengharapkan anda. HADAPI REALITI.

Tetapi jika anda ada perintah/prosiding mahkamah/penyiasatan yang sedang berjalan atau baru diisytihar muflis, nasihat saya - hadirlah ke mahkamah (dapatkan khidmat peguam - pastikan dokumen mencukupi), kemudiannya jangan malu mengunjungi Mdl atau jika perlu AKPK.

Anda perlukan khidmat dan nasihat yang betul kerana anda masih boleh membuka akaun atau ke luar negara, menunaikan fardhu haji malah bekerja atau berniaga - tetapi ada syarat-syarat tertentu yang perlu anda ikuti - rujuk Mdl berdekatan.

Jika anda jatuh pada 3 kategori di atas :

1) Sila layari dahulu e-insolvensi dan buat carian tindakan muflis ke atas anda atau pastikan anda menyimpan rekod-rekod yang berkaitan tindakan ke atas anda,
2) Muaturun Borang Permohonan Pelepasan Sijil KP Insolvensi

Sebaiknya kunjungi Jabatan Insolvensi berdekatan untuk maklumat lanjut.

Hantarkan borang dengan dokumen berkaitan samada menerusi email atau sebaiknya terus ke Jabatan Insolvensi.

Sekiranya tiada bantahan diterima dari pemiutang (mungkin memakan masa sedikit untuk mendapat respon), maka kemungkinan besar anda akan dilepaskan dari tindakan bankrap. Sabarlah menanti.

Tanda-tanda pelepasan :

Semakan Status Perjalanan di portal Imigresen untuk ke luar negara - tertera "Tiada Halangan" yang berwarna hijau.

Buat carian sekali lagi menggunakan e-insolvensi dan dapatkan keputusan yang menunjukkan "Tidak Bankrap"

Selamat Berjaya.