{"id":9067,"date":"2021-12-02T11:49:33","date_gmt":"2021-12-02T03:49:33","guid":{"rendered":"https:\/\/www.kwap.okie.my\/?post_type=contribution&#038;p=9067"},"modified":"2025-12-10T16:26:29","modified_gmt":"2025-12-10T08:26:29","slug":"gambaran-keseluruhan","status":"publish","type":"contribution","link":"https:\/\/www.kwap.gov.my\/stg\/contribution\/gambaran-keseluruhan\/","title":{"rendered":"Gambaran Keseluruhan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9067\" class=\"elementor elementor-9067\" data-elementor-post-type=\"contribution\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-090ce69 elementor-section-full_width elementor-section-items-stretch elementor-section-content-middle elementor-section-height-min-height no-dark main-banner elementor-section-height-default\" data-id=\"090ce69\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ef33bdd BB\" data-id=\"ef33bdd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e6b2b20 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"e6b2b20\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c47d719\" data-id=\"c47d719\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b041ef2 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"b041ef2\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"500\" src=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2022\/01\/03-Home-contribution2.jpg\" class=\"attachment-large size-large wp-image-14971\" alt=\"\" srcset=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2022\/01\/03-Home-contribution2.jpg 800w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2022\/01\/03-Home-contribution2-300x188.jpg 300w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2022\/01\/03-Home-contribution2-768x480.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fc59fd1\" data-id=\"fc59fd1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f9dae6 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"7f9dae6\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"580\" src=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/contribution-banner02-1.jpg\" class=\"attachment-large size-large wp-image-11198\" alt=\"\" srcset=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/contribution-banner02-1.jpg 800w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/contribution-banner02-1-300x218.jpg 300w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/contribution-banner02-1-768x557.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b6fcc2 elementor-widget__width-initial uk-position-center animated-slow elementor-widget-mobile__width-initial elementor-absolute elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4b6fcc2\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:&quot;500&quot;,&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">MEMUDAHKAN PROSES CARUMAN<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ace1da9 elementor-widget__width-initial elementor-absolute diamond elementor-widget-mobile__width-initial elementor-invisible elementor-widget elementor-widget-spacer\" data-id=\"ace1da9\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-61f1198 elementor-section-content-middle slider-container elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"61f1198\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7b84422\" data-id=\"7b84422\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5dc1368 no-dark elementor-widget elementor-widget-image\" data-id=\"5dc1368\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"533\" height=\"500\" src=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/contribution-panel.jpg\" class=\"attachment-large size-large wp-image-11261\" alt=\"\" srcset=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/contribution-panel.jpg 533w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/contribution-panel-300x281.jpg 300w\" sizes=\"(max-width: 533px) 100vw, 533px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6c9c4c9 uk-position-relative\" data-id=\"6c9c4c9\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c37bcbe elementor-widget__width-initial elementor-absolute diamond slider-diamond animated-fast elementor-widget-tablet__width-initial elementor-widget elementor-widget-spacer\" data-id=\"c37bcbe\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_scale_effect&quot;:&quot;yes&quot;,&quot;motion_fx_scale_direction&quot;:&quot;in-out&quot;,&quot;motion_fx_scale_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;-3&quot;,&quot;sizes&quot;:[]},&quot;motion_fx_scale_range&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:&quot;0&quot;,&quot;end&quot;:&quot;40&quot;}},&quot;_animation&quot;:&quot;none&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3531473 slider-content elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3531473\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-25335fa contribution-panel elementor-invisible\" data-id=\"25335fa\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;animation_delay&quot;:&quot;100&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-289ce27 elementor-widget elementor-widget-heading\" data-id=\"289ce27\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PENGURUSAN CARUMAN<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3a6bf7 elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"b3a6bf7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Salah satu daripada peranan utama KWAP adalah mengurus Caruman daripada mejikan yang terdiri daripada Badan-badan Berkanun, Pihak-pihak Berkuasa Tempatan dan Agensi-agensi. Dalam menunaikan tanggungjawab ini, kami memastikan bahawa majikan yang mencarum perlu mematuhi undang-undang dan peraturan menerusi\u00a0 usaha-usaha pematuhan dan penguatkuasaan yang tetap<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d7fded elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-text-editor\" data-id=\"7d7fded\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Satu daripada peranan utama KWAP ialah mengurus caruman pencen daripada majikan yang terdiri daripada Badan-badan Berkanun, Pihak-pihak Berkuasa Tempatan dan Agensi-agensi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1890b7d elementor-widget__width-auto elementor-align-left kwapbtn elementor-widget elementor-widget-button\" data-id=\"1890b7d\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.kwap.gov.my\/stg\/contribution\/majikan-yang-mencarum\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">majikan yang mencarum<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05bcc91 elementor-widget__width-auto elementor-align-left kwapbtn elementor-widget elementor-widget-button\" data-id=\"05bcc91\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.kwap.gov.my\/stg\/contribution\/ahli-pencarum\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">ahli pencarum<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-129f3e3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"129f3e3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-08fc0bf\" data-id=\"08fc0bf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-43983cb elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"43983cb\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">BUTIRAN LANJUT MENGENAI CARUMAN<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-135fdcf kwap-accordion contribute elementor-invisible elementor-widget elementor-widget-tp-accordion\" data-id=\"135fdcf\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"tp-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"theplus-accordion-wrapper elementor-accordion   \"\n    id=\"accordion69f30ba81f6c2\" data-accordion-id=\"accordion69f30ba81f6c2\"\n    data-connection=\"\"\n    data-accordion-type=\"accordion\"\n    data-heightlight-text       role=\"tablist\" >\n\n            <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2031\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-2031\">\n                                \n                <span style=\"width:100%\">Agensi-agensi yang Terlibat dalam Kutipan Caruman Pencen<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2031\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2031\">\n                <div class=\"plus-content-editor\" >Sebelum 1 Januari 1979, tanggungjawab untuk mengutip caruman pencen ini telah dijalankan oleh Kumpulan Wang Simpanan Pekerja. Lain-lain agensi kerajaan yang terlibat dalam mengutip caruman pencen ialah Jabatan Perkhidmatan Awam, Perbendaharaan Malaysia dan Jabatan Akauntan Negara. Berkuatkuasa 1 Mac 2007 caruman pencen kini dibayar kepada Kumpulan Wang Persaraan (Diperbadankan).\n\n<img decoding=\"async\" class=\"uk-display-block uk-margin-small-top no-dark\" src=\"\/wp-content\/uploads\/2021\/12\/agencies-horizontal.png\" alt=\"\" \/><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2032\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"2\" aria-controls=\"elementor-tab-content-2032\">\n                                \n                <span style=\"width:100%\">Tugas dan Tanggungjawab Majikan<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2032\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2032\">\n                <div class=\"plus-content-editor\" ><p>Majikan dikehendaki untuk melaksanakan tugas dan tanggungjawab berikut:<\/p><p>\u00a0<\/p><p><strong>Pendaftaran Pekerja sebagai Ahli KWAP<\/strong><br \/>Majikan dikehendaki mendaftarkan pekerjanya dengan KWAP menggunakan Borang Pendaftaran Ahli\u00a0(CN2)<\/p><p>\u00a0<\/p><p><strong>Pembayaran Caruman Pencen<\/strong><\/p><div><ul><li>Majikan dikehendaki membayar caruman pencen untuk pekerja berpencen pada kadar 17.5% daripada gaji pokok<\/li><li>Majikan dikehendaki untuk menghantar borang Caruman (CN3) dengan jumlah caruman dan maklumat pekerja yang betul.<\/li><li>Caruman hendaklah dihantar pada atau sebelum tarikh terakhir bulan berikutnya.<\/li><\/ul><\/div><p>\u00a0<\/p><p><strong>Caruman Pegawai Peminjaman<\/strong><\/p><div><ul><li>Agensi peminjaman dikehendaki untuk memaklumkan kepada KWAP mengenai sebarang pekerjaan kakitangan yang dipinjamkan dengan memberikan butir-butir dan perincian peminjaman tersebut.<\/li><li>Majikan iaitu agensi peminjaman diwajibkan untuk membayar caruman pencen untuk kakitangannya yang telah dipinjamkan (dengan status berpencen) sepanjang tempoh peminjaman.<\/li><li>Kadar caruman pencen yang perlu dibayar ialah 17.5% daripada gaji pokok pegawai yang ditempatkan<\/li><li>Majikan diminta untuk memberitahu KWAP mengenai pemberhentian atau penamatan tempoh peminjaman<\/li><\/ul><\/div><\/div>\n            <\/div>\n                    <\/div>\n        \n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1091c97 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1091c97\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-92bf7a7\" data-id=\"92bf7a7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d5aaf3 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"1d5aaf3\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">JUMLAH CARUMAN<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e6aec0 elementor-widget__width-auto elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"1e6aec0\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>(Berdasarkan Laporan Tahunan 2023)<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-778de2a elementor-section-height-min-height running-numbers elementor-section-boxed elementor-section-height-default\" data-id=\"778de2a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ea2d727\" data-id=\"ea2d727\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-27c2ae3 elementor-widget__width-initial elementor-absolute diamond animated-fast elementor-widget-mobile__width-initial elementor-widget elementor-widget-spacer\" data-id=\"27c2ae3\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_scale_effect&quot;:&quot;yes&quot;,&quot;motion_fx_scale_direction&quot;:&quot;in-out&quot;,&quot;motion_fx_scale_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;-5&quot;,&quot;sizes&quot;:[]},&quot;motion_fx_scale_range&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:&quot;0&quot;,&quot;end&quot;:&quot;60&quot;}},&quot;_animation&quot;:&quot;none&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68a18f6 drdt-ignore-dark elementor-widget elementor-widget-counter\" data-id=\"68a18f6\" data-element_type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Majikan Pencarum<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"3000\" data-to-value=\"489\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-bc7229a\" data-id=\"bc7229a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3653641 elementor-widget__width-initial elementor-absolute diamond animated-fast elementor-widget-mobile__width-initial elementor-widget elementor-widget-spacer\" data-id=\"3653641\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_scale_effect&quot;:&quot;yes&quot;,&quot;motion_fx_scale_direction&quot;:&quot;in-out&quot;,&quot;motion_fx_scale_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;-5&quot;,&quot;sizes&quot;:[]},&quot;motion_fx_scale_range&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:&quot;0&quot;,&quot;end&quot;:&quot;60&quot;}},&quot;_animation&quot;:&quot;none&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-027befe drdt-ignore-dark elementor-widget elementor-widget-counter\" data-id=\"027befe\" data-element_type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Ahli Pencarum<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"3000\" data-to-value=\"177716\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-36a5b68 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"36a5b68\" data-element_type=\"section\" id=\"sumber\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c872df5\" data-id=\"c872df5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d204085 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"d204085\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">DOKUMEN-DOKUMEN BERKAITAN CARUMAN<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13387c1 kwap-accordion contribute elementor-invisible elementor-widget elementor-widget-tp-accordion\" data-id=\"13387c1\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"tp-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"theplus-accordion-wrapper elementor-accordion   \"\n    id=\"accordion69f30ba8306c3\" data-accordion-id=\"accordion69f30ba8306c3\"\n    data-connection=\"\"\n    data-accordion-type=\"accordion\"\n    data-heightlight-text       role=\"tablist\" >\n\n            <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2011\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-2011\">\n                                \n                <span style=\"width:100%\">Borang<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2011\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2011\">\n                <div class=\"plus-content-editor\" ><ul>\n \t<li><a href=\"\/documents\/contribution\/form\/FORM_CN_1_PENDAFTARAN_MAJIKAN.pdf\" target=\"_blank\" rel=\"noopener\">CN1\u200b\u200b\u00a0\u200b\u200bPENDAFTARAN MAJIKAN<\/a><\/li>\n \t<li><a href=\"\/documents\/contribution\/form\/FORM_CN_2_PENDAFTARAN_AHLI.pdf\" target=\"_blank\" rel=\"noopener\">CN2\u00a0PENDAFTARAN AHLI<\/a><\/li>\n \t<li><a href=\"\/documents\/contribution\/form\/FORM_CN_3_BORANG_CARUMAN.pdf\" target=\"_blank\" rel=\"noopener\">CN3\u200b\u00a0BORANG CARUMAN<\/a><\/li>\n \t<li><a href=\"\/documents\/contribution\/form\/FORM_CN_4_BORANG_TUNGGAKAN_CARUMAN.pdf\" target=\"_blank\" rel=\"noopener\">CN4\u00a0BORANG TUNGGAKAN CARUMAN<\/a><\/li>\n \t<li><a href=\"\/documents\/contribution\/form\/FORM_CN_5_BORANG_TUNTUTAN_BAYARAN_BALIK.pdf\" target=\"_blank\" rel=\"noopener\">CN5\u00a0BORANG TUNTUTAN BAYARAN BALIK\u200b<\/a><\/li>\n \t<li><a href=\"\/documents\/contribution\/form\/BORANG_PERMOHONAN_BAYARAN_BALIK_SYER_KERAJAAN_INDIVIDU_OLEH_BEKAS_PEGAWAI_SENDIRI.pdf\" target=\"_blank\" rel=\"noopener\">CN5A\u200b\u200b\u200b\u200b\u00a0BORANG PERMOHONAN BAYARAN BALIK SYER KERAJAAN (INDIVIDU)\u00a0\u200b\u200b\u200b(OLEH BEKAS PEGAWAI SENDIRI)<\/a><\/li>\n \t<li><a href=\"\/documents\/contribution\/form\/FORM_CN5B_PERMOHONAN_BAYARAN_BALIK_SYER_KERAJAAN_(INDIVIDU).pdf\" target=\"_blank\" rel=\"noopener\">CN5B\u200b\u200b\u00a0BORANG PERMOHONAN BAYARAN BALIK SYER KERAJAAN (INDIVIDU) (OLEH PENTADBIR HARTA PUSAKA DAN\/ATAU PEMEGANG PROBET\u200b)<\/a><\/li>\n \t<li><a href=\"\/documents\/contribution\/form\/FORM_CN_6_MAKLUMAT_BAYARAN_CARUMAN_MELALUI_BANK.pdf\" target=\"_blank\" rel=\"noopener\">CN6\u00a0MAKLUMAT BAYARAN CARUMAN MELALUI BANK<\/a><\/li>\n \t<li><a href=\"\/documents\/contribution\/form\/FORM_CN_7_PERMOHONAN_PENGECUALIAN_DENDA.pdf\" target=\"_blank\" rel=\"noopener\">CN7\u00a0PERMOHONAN PENGECUALIAN DENDA<\/a><\/li>\n \t<li><a href=\"\/documents\/contribution\/form\/BORANG_PENDAFTARAN_PORTAL_CARUMAN.pdf\" target=\"_blank\" rel=\"noopener\">\u200bBORANG PENDAFTARAN PORTAL CARUMAN\u200b\u200b\u200b\u200b<\/a><\/li>\n<\/ul><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2012\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"2\" aria-controls=\"elementor-tab-content-2012\">\n                                \n                <span style=\"width:100%\">Panduan Majikan<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2012\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2012\">\n                <div class=\"plus-content-editor\" ><a class=\"no-hover\" href=\"\/documents\/publications\/others\/Panduan_Majikan_Jabatan_Caruman.pdf\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-4383 size-medium\" src=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2024\/01\/Panduan-Majikan-2.0.png\" alt=\"\" width=\"272\" height=\"300\" \/><\/a>\n\n\u200b<\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2013\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"3\" aria-controls=\"elementor-tab-content-2013\">\n                                \n                <span style=\"width:100%\">E-Buletin<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2013\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2013\">\n                <div class=\"plus-content-editor\" ><div class=\"ebulletin\">\n\n<a href=\"https:\/\/www.kwap.gov.my\/stg\/documents\/contribution\/e-bulletin\/1st_Edition-Contribution_Department.pdf\" target=\"_blank\" rel=\"noopener\">1\n<h4>Edisi<\/h4>\n<\/a>\n\n<a href=\"https:\/\/www.kwap.gov.my\/stg\/documents\/contribution\/e-bulletin\/2nd_Edition-Contribution_Department.pdf\" target=\"_blank\" rel=\"noopener\">2\n<h4>Edisi<\/h4>\n<\/a>\n\n<a href=\"https:\/\/www.kwap.gov.my\/stg\/documents\/contribution\/e-bulletin\/3rd_Edition-Contribution_Department.pdf\" target=\"_blank\" rel=\"noopener\">3\n<h4>Edisi<\/h4>\n<\/a>\n\n<a href=\"https:\/\/www.kwap.gov.my\/stg\/documents\/contribution\/e-bulletin\/4th_Edition-Contribution_Department.pdf\" target=\"_blank\" rel=\"noopener\">4\n<h4>Edisi<\/h4>\n<\/a>\n\n<a href=\"https:\/\/www.kwap.gov.my\/stg\/documents\/contribution\/e-bulletin\/5th_Edition-Contribution_Department.pdf\" target=\"_blank\" rel=\"noopener\">5\n<h4>Edisi<\/h4>\n<\/a>\n\n<a href=\"https:\/\/www.kwap.gov.my\/stg\/documents\/contribution\/e-bulletin\/6th_Edition-Contribution_Department.pdf\" target=\"_blank\" rel=\"noopener\">6\n<h4>Edisi<\/h4>\n<\/a>\n\n<a href=\"https:\/\/www.kwap.gov.my\/stg\/documents\/contribution\/e-bulletin\/Special_Edition-Contribution_Department.pdf\" target=\"_blank\" rel=\"noopener\">\n<h4>Edisi Khas<\/h4>\n<\/a>\n\n<\/div><\/div>\n            <\/div>\n                    <\/div>\n        \n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c37e056 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c37e056\" data-element_type=\"section\" id=\"process-title\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a143bea\" data-id=\"a143bea\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2df5bc9 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"2df5bc9\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PENGURUSAN PROSES CARUMAN<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-pa-eq-height=\"{&quot;targetType&quot;:&quot;custom&quot;,&quot;target&quot;:[&quot;.benefits-box&quot;,&quot; .orange-box&quot;],&quot;trigger&quot;:&quot;load&quot;,&quot;enableOn&quot;:[&quot;desktop&quot;]}\" class=\"elementor-section elementor-top-section elementor-element elementor-element-f7c73eb premium-equal-height-yes 3color-column elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f7c73eb\" data-element_type=\"section\" data-settings=\"{&quot;premium_eq_height_switcher&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-5d5d0e4 benefits-box elementor-invisible\" data-id=\"5d5d0e4\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7b238da elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7b238da\" data-element_type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6754da8 orange-box\" data-id=\"6754da8\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7d3b60c elementor-widget elementor-widget-heading\" data-id=\"7d3b60c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">CARUMAN PENCEN<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d1072e elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"6d1072e\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"kwap kwappattern\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-59fd609 elementor-widget elementor-widget-text-editor\" data-id=\"59fd609\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Caruman bulan untuk kakitangan tetap dengan status berpencen ialah 17.5% daripada gaji hakiki bulanan kakitangan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1dd4dc5 elementor-widget__width-auto elementor-align-center kwapbtn orange elementor-widget elementor-widget-button\" data-id=\"1dd4dc5\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.kwap.gov.my\/stg\/contribution\/caruman-pencen\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Baca Lanjut<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-dbf09f3 benefits-box elementor-invisible\" data-id=\"dbf09f3\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:&quot;300&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e5fab44 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e5fab44\" data-element_type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2493663 orange-box\" data-id=\"2493663\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-14212ba elementor-widget elementor-widget-heading\" data-id=\"14212ba\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pematuhan &amp; penguatkuasaan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91a14b4 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"91a14b4\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"kwap kwappattern\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c2c0fb elementor-widget elementor-widget-text-editor\" data-id=\"5c2c0fb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Objektif lawatan pematuhan dan penguatkuasaan ke majikan-majikan yang mencarum adalah untuk memastikan majikan mematuhi peruntukan di bawah Akta Pencen Pihak Berkuasa Berkanun dan Tem\u200bpatan 1980 (Akta 239).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a55c98d elementor-widget__width-auto elementor-align-center kwapbtn orange elementor-widget elementor-widget-button\" data-id=\"a55c98d\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.kwap.gov.my\/stg\/contribution\/pematuhan-dan-penguatkuasaan\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Baca Lanjut<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-51d0935 benefits-box elementor-invisible\" data-id=\"51d0935\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:&quot;600&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-54c9d54 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"54c9d54\" data-element_type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0613800 orange-box\" data-id=\"0613800\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0d1aa6b elementor-widget elementor-widget-heading\" data-id=\"0d1aa6b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Denda<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a44266 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"3a44266\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"kwap kwappattern\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-934bdf4 elementor-widget elementor-widget-text-editor\" data-id=\"934bdf4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Majikan yang gagal membayar caruman pencen dalam masa yang ditetapkan akan dikenakan denda di bawah Seksyen 8 (4) Akta Pencen Berkanun dan Pihak Berkuasa Tempatan 1980 (Akta 239). Denda dikenakan pada kadar 0.5% untuk setiap bulan lalai bagi pembayaran amaun yang masih belum dibayar.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"featured_media":0,"parent":0,"template":"","categories":[],"class_list":["post-9067","contribution","type-contribution","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Gambaran Keseluruhan - KWAP<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Gambaran Keseluruhan - KWAP\" \/>\n<meta property=\"og:description\" content=\"MEMUDAHKAN PROSES CARUMAN PENGURUSAN CARUMAN Salah satu daripada peranan utama KWAP adalah mengurus Caruman daripada mejikan yang terdiri daripada Badan-badan Berkanun, Pihak-pihak Berkuasa Tempatan dan Agensi-agensi. 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