Peraturan Baru ASNB / Tabung Haji Menyusahkan Pendeposit

Pendeposit Amanah Saham Nasional Berhad (ASNB) tidak berpuas hati dengan peraturan baru dan cara-cara pengendalian oleh pihak pengurusan yang menyukarkan pihak ketiga untuk mewakili pelaburan tambahan mereka.

Kalau dulu mudah untuk menambahkan pelaburan atau simpanan tanpa perlu mengisi borang kebenaran wakil bagi pihak ketiga tetapi sekarang ianya semakin rumit dimana pihak ketiga terpaksa mengisi borang kebenaran atau pendeposit sendiri datang ke pejabat untuk menambah pelaburan.

Perkara ini sudah tentu menyulitkan pihak ketiga yang datang dari luar bandar dan juga dari kawasan pedalaman yang terpaksa berulang alik semata-mata untuk mendapatkan surat kuasa serta salinan Mykad pendeposit yang ingin menambahkan simpanan ASNB atau mengemaskini buku akuan pelaburan pihak pendeposit  Kebanyakan mereka yang mewakilkan pihak ketiga terdiri dari golongan warga emas, mereka yang sakit dan sebagainya. Selalunya wakil mereka adalah keluarga mereka sendiri.

Mereka tidak membantah, sekiranya syarat yang ketat dikenakan untuk mengeluarkan wang bagi pihak ketiga yang perlukan surat kuasa serta salinan Mykad tetapi masalahnya kenapa mesti perlu surat kuasa untuk menambah pelaburan dan juga mengemaskinikan buku akaun pelaburan.

Begitu juga dengan Tabung Haji, para pendeposit sekarang sukar untuk mengemaskini buku akaun simpanan pihak ketiga. Mereka perlu datang sendiri ke pejabat Tabung Haji. Terdapat pendeposit mengadu bahawa dia mahu mengemaskini akaun simpanan isterinya juga tidak dibenarkan, sedangkan isterinya lumpuh dan sukar untuk beliau datang ke pejabat hanya semata-mata ingin mengemaskini buku simpanan.

Mengapa tidak mengikut peraturan dan cara pengurusan pihak bank-bank dimana sesiapa saja boleh simpan wang bagi pihak ketiga tanpa perlu surat kebenaran. Sepatutnya pihak ASNB dan juga Tabung Haji tidak perlu surat kebenaran untuk pihak ketiga menyimpan wang kerana ianya hanya menyulit pihak pendeposit. Pihak pengurusan perlu menggunakan sistem dalam talian seperti bank-bank untuk memudahkan semua pihak melabur dan mengemaskinikan akaun simpanan mereka.

Kita harap pihak kerajaan dan pihak pengurusan ASNB dan Tabung Haji mengkaji semula peraturan tersebut kerana ianya lebih menyusahkan para wakil pendeposit yang ingin membantu golongan warga emas dan juga mereka yang sakit untuk datang ke pejabat Pos atau ke Tabung Haji semata-mata untuk melabur dan mengemaskinikan buku pelaburan/Akaun mereka.

Kerjasama dengan pihak yang berkenaan untuk mengkaji semula peraturan dan memudahkan para pelabur/pendeposit amat dihargai.

Jofri Jaraiee
PAS Miri Sarawak

English version

The New Rules of ASNB / the Tabung Haji Troublesome the depositor

The depositor of Amanah Saham Nasional Berhad (ASNB) is not satisfied with the new rules and the ways handling by the management which makes it difficult for a third party to represent their additional investment.

If previously easy to add an investment or savings without having to fill an authorization form for third-party representative, but now it is more complicated where a third party had to fill in an authorization form or the depositor itself came to the office for the additional investment.
This is of course difficult for a third party to come from rural areas and from remote areas who have to commute just to get a letter of authority and a copy of MyKad of depositors who want to add savings of ASNB or to update investment account books of the depositors. Most of those who delegate the third parties consist of the elderly, those who are sick and so on.  Often their representative is their own families.

They are no objection, if the stringent conditions imposed for the withdrawing money for third party that need a letter of authority as well as a copy of MyKad but the problem is why must have a letter of authority for the additional investment and also update the investment account books.

Similarly, Tabung Haji, depositors now difficult to update the savings account book of third parties. They have to come personally to Tabung Haji office.  There are a depositor complained that he wants to update his wife savings is also not allowed, while his wife paralyzed and difficult for her to come into the office just simply want to update the passbook.
Why not follow the rules and the way the management of banks where anyone can deposit money for a third party without a letter of authorization. Supposed to the ASNB and the Tabung Haji does not need a letter of authorization for third parties to save money because they only encrypt the depositor. The management must use the online system such as banks to facilitate all parties to invest and to update their savings account.

We hope the government and the management of ASNB and the Tabung Haji review the regulations because it is more troublesome for depositor’s representatives who want to help the elderly and those who are sick to come to the post office or the Tabung Haji solely to invest and update their investment books / account.

Cooperation with the relevant parties to review the rules and make it easier for investors / depositors is greatly appreciated.