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Ini mencerminkan keprihatinan tulus masyarakat dalam mendukung institusi haji negara demi memelihara kemaslahatan ummah.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr> Kesemua pandangan dan cadangan yang disampaikan akan diteliti oleh pengurusan TH bagi membantu organisasi mencapai hasrat melaksanakan penambahbaikan berterusan untuk kesejahteraan lebih 9.8 juta pendeposit.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr> TH juga menyokong tindakan tegas Kerajaan dalam mengambil tindakan sewajarnya berhubung hasil dapatan RCI. TH telah melaksanakan lebih 75 peratus daripada syor-syor RCI dan terus giat melaksanakan baki syor-syor penambahbaikan secara keseluruhan.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr> Hasilnya juga dapat dilihat bila mana kedudukan TH hari ini jauh lebih kukuh berbanding tahun 2018 atas usaha pemulihan berterusan sejak lapan tahun lalu.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr> -TAMAT-\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>",{"id":29,"documentId":802,"name":803,"slug":803,"description":118,"createdAt":804,"updatedAt":804,"publishedAt":805},"a6lq40uz5v7kqen5e4p4bvil","korporat","2026-02-13T11:23:00.039Z","2026-02-13T11:23:00.032Z",{"id":807,"documentId":808,"name":809,"alternativeText":118,"caption":118,"width":118,"height":118,"formats":118,"hash":810,"ext":811,"mime":812,"size":813,"url":814,"previewUrl":118,"provider":366,"provider_metadata":118,"createdAt":815,"updatedAt":815,"publishedAt":815},1039,"zkbk5pogemoi1jwpy07yt38w","07082026_SIARAN AKHBAR_TH AMBIL MAKLUM, TELITI PANDANGAN DAN CADANGAN NGO BERKAITAN DAPATAN RCI.pdf","07082026_SIARAN_AKHBAR_TH_AMBIL_MAKLUM_TELITI_PANDANGAN_DAN_CADANGAN_NGO_BERKAITAN_DAPATAN_RCI_3fc5d66ef1",".pdf","application\u002Fpdf",249.51,"\u002Fuploads\u002F07082026_SIARAN_AKHBAR_TH_AMBIL_MAKLUM_TELITI_PANDANGAN_DAN_CADANGAN_NGO_BERKAITAN_DAPATAN_RCI_3fc5d66ef1.pdf","2026-08-07T09:35:42.604Z",[],{"publishedDate":818,"id":819,"documentId":820,"title":821,"description":118,"slug":822,"createdAt":823,"updatedAt":824,"publishedAt":825,"locale":799,"content":826,"read":118,"cover":118,"author":118,"category":827,"attachment":828,"localizations":836},"2026-08-06",975,"ox4sga9o0u4rlkeyeaebfmv3","TABUNG HAJI SAMBUT BAIK KENYATAAN MUFTI NEGERI PAHANG, KOMITED AMALKAN PELUNASAN ZAKAT PATUH PRINSIP SYARIAH","tabung-haji-sambut-baik-kenyataan-mufti-negeri-pahang-komited-amalkan-pelunasan-zakat-patuh-prinsip-syariah","2026-08-06T09:23:12.588Z","2026-08-06T09:23:56.740Z","2026-08-06T09:23:56.776Z","\u003Cp class=\"p2\">KUALA LUMPUR, 6 OGOS 2026: Lembaga Tabung Haji (TH) menyambut baik kenyataan media yang dikeluarkan oleh Sahibus Samahah Mufti Negeri Pahang, Profesor Dato’ Dr. Asmadi Mohamed Naim berkaitan pelunasan zakat TH yang mengikut hukum syarak.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p2\">Beliau yang juga merupakan salah seorang mantan ahli Pesuruhjaya Suruhanjaya Siasatan DiRaja (RCI) TH telah memberikan butiran penjelasan menyeluruh bagi kefahaman masyarakat secara amnya dan para pendeposit khususnya berkaitan proses pengurusan pembayaran zakat bagi pihak pendeposit yang sah dan diperakui melalui proses ijtihad yang berautoriti.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p2\">TH komited dalam mematuhi operasi dan tadbir urus zakat berpandukan Garis Panduan Zakat yang telah diluluskan dan dipantau oleh Jawatankuasa Penasihat Syariah TH yang dianggotai oleh pakar-pakar Syariah dan kewangan Islam. TH berharap para pendeposit dapat terus memberikan sokongan dan kekal yakin dengan pengurusan TH dalam menguruskan amanah kepada lebih 9.8 juta pendepositnya.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p2\">-TAMAT-\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>",{"id":29,"documentId":802,"name":803,"slug":803,"description":118,"createdAt":804,"updatedAt":804,"publishedAt":805},{"id":829,"documentId":830,"name":831,"alternativeText":118,"caption":118,"width":118,"height":118,"formats":118,"hash":832,"ext":811,"mime":812,"size":833,"url":834,"previewUrl":118,"provider":366,"provider_metadata":118,"createdAt":835,"updatedAt":835,"publishedAt":835},1037,"p8bf1dr9j8k3gac04qcdk014","06082026_SIARAN AKHBAR_TABUNG HAJI SAMBUT BAIK KENYATAAN MUFTI NEGERI PAHANG, KOMITED AMALKAN PELUNASAN ZAKAT PATUH PRINSIP SYARIAH.pdf","06082026_SIARAN_AKHBAR_TABUNG_HAJI_SAMBUT_BAIK_KENYATAAN_MUFTI_NEGERI_PAHANG_KOMITED_AMALKAN_PELUNASAN_ZAKAT_PATUH_PRINSIP_SYARIAH_cec9dbda18",187.87,"\u002Fuploads\u002F06082026_SIARAN_AKHBAR_TABUNG_HAJI_SAMBUT_BAIK_KENYATAAN_MUFTI_NEGERI_PAHANG_KOMITED_AMALKAN_PELUNASAN_ZAKAT_PATUH_PRINSIP_SYARIAH_cec9dbda18.pdf","2026-08-06T09:22:57.296Z",[],{"publishedDate":838,"id":839,"documentId":840,"title":841,"description":118,"slug":842,"createdAt":843,"updatedAt":844,"publishedAt":845,"locale":799,"content":846,"read":118,"cover":118,"author":118,"category":847,"attachment":848,"localizations":856},"2026-08-04",972,"vvlkoy906juvj93fk6r2lkkr","TABUNG HAJI TEGASKAN STATUS ZAKAT ADALAH SAH DAN TELAH DISEMPURNAKAN BAGI PIHAK PENDEPOSIT","tabung-haji-tegaskan-status-zakat-adalah-sah-dan-telah-disempurnakan-bagi-pihak-pendeposit","2026-08-05T02:53:08.698Z","2026-08-05T04:10:46.261Z","2026-08-05T04:10:46.327Z","\u003Cp class=\"p2\">KUALA LUMPUR, 4 OGOS 2026: Lembaga Tabung Haji (TH) menegaskan bahawa status pelunasan zakat bagi pihak pendeposit adalah sah dan telah dilaksanakan dengan sempurna.\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp class=\"p2\">Jawatankuasa Penasihat Syariah (JPS) TH dalam mesyuaratnya pada 2 September 2020 berpandangan bahawa status pembayaran zakat bagi pendeposit pada tahun-tahun sebelum konsep wakalah diperkenalkan pada tahun 2019 adalah sah dan mematuhi hukum syarak.\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp class=\"p2\">Jawatankuasa Fatwa Kebangsaan Bagi Hal Ehwal Ugama Islam Malaysia pada 3 Mei 1979 menetapkan bahawa TH adalah institusi yang tidak wajib zakat keatasnya tetapi TH wajib membayar zakat bagi pihak pendeposit. TH telah secara konsisten menunaikan kewajipan membayar zakat bagi pihak pendeposit selaras dengan ketetapan ini.\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp class=\"p2\">Berhubung pembayaran zakat bagi tahun-tahun semasa kontrak Wadiah Yad Damanah digunakan (2016-2019), pada hakikatnya zakat yang dikeluarkan itu adalah zakat perniagaan (secara khultah) bagi pihak pendeposit ke atas kumpulan wang pendeposit yang diniagakan. Ini adalah berasaskan kepada pertimbangan berikut:\u003C\u002Fp>\u003Cp class=\"p2\"> \u003C\u002Fp>\u003Col class=\"ol1\">\u003Cli class=\"li3\">TH tidak diwajibkan zakat keatasnya;\u003C\u002Fli>\u003Cli class=\"li3\">TH tidak mempunyai pemegang saham; dan\u003C\u002Fli>\u003Cli class=\"li2\">Keseluruhan aset yang diniagakan TH adalah dijana sepenuhnya daripada dana pendeposit. \u003C\u002Fli>\u003C\u002Fol>\u003Cp class=\"p2\"> \u003C\u002Fp>\u003Cp class=\"p2\">Oleh yang demikian, semua zakat yang dibayar oleh TH pada setiap masa adalah bagi pihak pendeposit. Pendeposit tidak lagi perlu mengeluarkan zakat ke atas dana deposit yang sama selepas TH melunaskan zakat bagi pihak mereka kerana ianya akan mengakibatkan pertindihan zakat ke atas harta yang sama, yang tidak selaras dengan prinsip Syariah.\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp class=\"p1\">Merujuk kepada syor Suruhanjaya Siasatan DiRaja (RCI) TH supaya perkara berkaitan amalan zakat TH dibawa kepada Jawatankuasa Muzakarah Majlis Kebangsaan Bagi Hal Ehwal Ugama Islam Malaysia (MKI), TH ingin menegaskan bahawa amalan zakat TH telah dibentangkan dan diperakui oleh Jawatankuasa Muzakarah tersebut pada Jun 2024.\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp class=\"p1\">Pandangan Jawatankuasa Muzakarah tersebut seterusnya telah disembah maklum kepada Mesyuarat Majlis Raja Raja yang ke-267 pada Oktober 2024.\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp class=\"p1\">TH ingin memaklumkan bahawa keseluruhan operasi dan tadbir urus zakat TH adalah berpandukan Garis Panduan Zakat yang telah diluluskan dan dipantau oleh JPS TH yang dianggotai oleh pakar-pakar Syariah dan kewangan Islam.\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp class=\"p1\">-TAMAT-\u003C\u002Fp>",{"id":29,"documentId":802,"name":803,"slug":803,"description":118,"createdAt":804,"updatedAt":804,"publishedAt":805},{"id":849,"documentId":850,"name":851,"alternativeText":118,"caption":118,"width":118,"height":118,"formats":118,"hash":852,"ext":811,"mime":812,"size":853,"url":854,"previewUrl":118,"provider":366,"provider_metadata":118,"createdAt":855,"updatedAt":855,"publishedAt":855},1036,"lx59yokv4ct4fxzaxa3yj1q5","05082026_SIARAN AKHBAR_TABUNG HAJI TEGASKAN STATUS ZAKAT ADALAH SAH DAN TELAH DISEMPURNAKAN BAGI PIHAK PENDEPOSIT.pdf","05082026_SIARAN_AKHBAR_TABUNG_HAJI_TEGASKAN_STATUS_ZAKAT_ADALAH_SAH_DAN_TELAH_DISEMPURNAKAN_BAGI_PIHAK_PENDEPOSIT_4cb3b09436",211.26,"\u002Fuploads\u002F05082026_SIARAN_AKHBAR_TABUNG_HAJI_TEGASKAN_STATUS_ZAKAT_ADALAH_SAH_DAN_TELAH_DISEMPURNAKAN_BAGI_PIHAK_PENDEPOSIT_4cb3b09436.pdf","2026-08-05T02:52:53.240Z",[],{"publishedDate":858,"id":859,"documentId":860,"title":861,"description":118,"slug":862,"createdAt":863,"updatedAt":864,"publishedAt":865,"locale":799,"content":866,"read":118,"cover":118,"author":118,"category":867,"attachment":868,"localizations":877},"2026-07-31",947,"lez3ryhoc60qskqjkkzm57y5","PENJUALAN ASET HAMPIR RM10 BILION SELAMATKAN TH, KERUGIAN RM2.6 BILION TURUT DITANGANI UNTUK PEMULIHAN SETERUSNYA","penjualan-aset-hampir-rm-10-bilion-selamatkan-th-kerugian-rm-2-6-bilion-turut-ditangani-untuk-pemulihan-seterusnya","2026-07-31T03:44:20.065Z","2026-07-31T07:34:19.347Z","2026-07-31T07:34:19.386Z","\u003Cp class=\"p2\">KUALA LUMPUR, 31 JULAI 2026: Lembaga Tabung Haji (TH) ingin menegaskan pelan penstrukturan semula pada tahun 2018 adalah bagi menangani kedudukan defisit kewangan TH yang memerlukan tindakan penyelamatan kewangan segera (bailout) dari kerajaan pada waktu tersebut, untuk melindungi TH dari insolvensi.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p2\">Pihak berautoriti seperti Bank Negara Malaysia sejak 2014 telah membangkitkan kebimbangan terhadap kesan amalan membayar Agihan Keuntungan tinggi menyebabkan rizab yang sedia rendah menjadi negatif dan boleh mendedahkan TH kepada risiko pengeluaran deposit secara besar-besaran.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p2\">Ketua Audit Negara dalam Penyata Kewangan berakhir 2017 pula telah membuat Penegasan Perkara (Emphasis of Matter) menegur amalan perakaunan yang tidak konsisten dan tidak memberi gambaran kewangan sebenar. Manakala, RCI telah menegur tindakan Ketua Audit Negara yang tidak tegas dalam pengauditan Penyata Kewangan TH kerana tidak sepatutnya memberi Sijil Audit Bersih dengan Penegasan Perkara sahaja tetapi sepatutnya dinyatakan sebagai ketidakpatuhan.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p2\">Jurang antara aset dan liabiliti yang dikenal pasti pada akhir tahun 2017 terus meningkat melebihi RM10.0 bilion pada akhir tahun 2018. Sekiranya tidak ditangani sebelum akhir tahun 2018, TH tidak dapat memenuhi syarat di bawah Akta Tabung Haji untuk mengisytiharkan sebarang Agihan Keuntungan.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p1\">Jika tiada tindakan “bailout” oleh Kerajaan pada masa itu, ia juga boleh menyebabkan krisis pasaran kewangan dan menggugat kestabilan negara apabila TH terpaksa menjual aset-aset pada harga terdesak di pasaran bagi memenuhi permohonan pengeluaran tunai yang besar dan tidak terkawal oleh pendeposit (deposit run) ketika TH gagal mengisytiharkan Agihan Keuntungan kepada pendepositnya.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p1\">Kerajaan dan TH berdepan dengan empat pilihan untuk melaksanakan Pelan Pemulihan dan Penstrukturan TH dalam masa yang suntuk sebelum akhir 2018, dan telah memilih pelaksanaan penjualan aset-aset kurang berdaya saing dan bermasalah pada nilai premium kepada Kerajaan bagi menutup jurang antara aset dan liabiliti supaya TH kekal upaya (solven).\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p1\">Syarikat Tujuan Khas (SPV) milik penuh Kerajaan iaitu Urusharta Jamaah Sdn Bhd (UJSB) telah membeli aset-aset bernilai RM9.7 bilion pada jumlah RM19.9 billion untuk menutup defisit yang dihadapi dan membolehkan Agihan Keuntungan diisytihar bagi tahun 2018. Transaksi ini dibiayai oleh 2 siri sukuk terbitan UJSB yang diberi surat sokongan Kerajaan dengan kadar keuntungan 4.05% dan 4.10% setahun.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p1\">Namun bagi menjaga kepentingan TH, ia telah diberikan Right of First Refusal (Hak Keutamaan untuk Menolak) terhadap aset-aset yang dipindahkan jika UJSB bercadang untuk menjual aset tersebut ke pasaran. Hak Keutamaan untuk menolak tidak meletakkan sebarang kewajipan kepada TH untuk membeli semula. TH hanya memiliki keutamaan untuk membuat keputusan membeli sekiranya UJSB berhasrat untuk menjual aset tersebut pada masa hadapan tertakluk kepada penilaian komersil dan kesesuaian kepada kriteria pelaburan TH pada ketika itu.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p1\">Sepanjang penerbitan sukuk, UJSB juga telah membuat beberapa tawaran untuk menjual aset-aset kepada TH, namun kesemuanya tidak memenuhi penilaian kriteria TH. Pada tahun ini, setelah meneliti lagi aset aset yang ditawarkan oleh UJSB, TH telah membeli semula tanah di TRX pada harga pasaran semasa sebanyak RM270 juta berbanding harga asal penjualan kepada UJSB sebanyak RM400 juta. TH juga telah membeli semula ladang kelapa sawit UJ Estates (Holdings) Sdn Bhd pada harga RM695 juta berbanding harga penjualan asal RM800 juta.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p1\">Transaksi ini menunjukkan TH hanya akan mengambil alih semula aset yang memberi nilai tambah kepada portfolio pelaburan demi menjaga kepentingan para pendepositnya. Tindakan pemulihan yang diambil pada tahun 2018 adalah satu keputusan strategik untuk melindungi simpanan pendeposit dan memastikan kemampanan kewangan TH selepas pelbagai salah laku dari 2014 lagi yang memudaratkan TH. Memang tidak dinafikan, TH terpaksa menjalani proses penstrukturan untuk menyelamatkan TH.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p1\">Hasilnya, di bawah kepimpinan Pengerusi, Lembaga Pengarah serta pasukan pengurusan yang profesional dan berwibawa, TH kini berjaya kembali ke landasan yang lebih kukuh dan mampan melalui pelaksanaan pelan strategik, reformasi serta tadbir urus yang lebih baik, tanpa campur tangan Kerajaan.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p1\">Kadar Agihan Keuntungan diisytihar TH telah bertambah baik dan stabil dengan pulangan meningkat daripada 1.25% bagi tahun 2018 kepada 3.25% bagi tahun 2024 dan 3.50% bagi tahun 2025. Agihan Keuntungan tersebut dibuat setelah mengambil kira rosot nilai aset-aset bermasalah yang tidak dapat dipindahkan ke UJSB pada akhir tahun 2018 atas sebab-sebab tertentu berjumlah RM2.6 bilion. Kini kedudukan kewangan TH lebih kukuh dan TH juga telah mula membina semula rizab untuk masa depan yang lebih stabil.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p1\">Pelan Pemulihan dan Penstrukturan TH berjaya menangani kerugian pelaburan RM12.6 Bilion iaitu RM10 Bilion Melalui Pelan Pemulihan 2018 dan RM2.6 Bilion secara berperingkat sehingga hujung 2025. TH kekal komited untuk melindungi kepentingan para pendeposit, mengukuhkan kepercayaan awam, serta memastikan institusi ini terus beroperasi dengan penuh integriti dan bertanggungjawab.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p1\">-TAMAT-\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>",{"id":29,"documentId":802,"name":803,"slug":803,"description":118,"createdAt":804,"updatedAt":804,"publishedAt":805},{"id":869,"documentId":870,"name":871,"alternativeText":118,"caption":118,"width":118,"height":118,"formats":118,"hash":872,"ext":811,"mime":812,"size":873,"url":874,"previewUrl":118,"provider":366,"provider_metadata":118,"createdAt":875,"updatedAt":875,"publishedAt":876},1032,"r1f6fm8gqvodz48b5mqarbil","SIARAN AKHBAR TH_PENJUALAN ASET HAMPIR RM10 BILION SELAMATKAN TH, KERUGIAN RM2.6 BILION TURUT DITANGANI UNTUK PEMULIHAN SETERUSNYA.pdf","SIARAN_AKHBAR_TH_PENJUALAN_ASET_HAMPIR_RM_10_BILION_SELAMATKAN_TH_KERUGIAN_RM_2_6_BILION_TURUT_DITANGANI_UNTUK_PEMULIHAN_SETERUSNYA_be9bde230c",358.51,"\u002Fuploads\u002FSIARAN_AKHBAR_TH_PENJUALAN_ASET_HAMPIR_RM_10_BILION_SELAMATKAN_TH_KERUGIAN_RM_2_6_BILION_TURUT_DITANGANI_UNTUK_PEMULIHAN_SETERUSNYA_be9bde230c.pdf","2026-07-31T03:42:03.435Z","2026-07-31T03:42:03.436Z",[],{"publishedDate":858,"id":879,"documentId":880,"title":881,"description":118,"slug":882,"createdAt":883,"updatedAt":884,"publishedAt":885,"locale":799,"content":886,"read":118,"cover":118,"author":118,"category":887,"attachment":888,"localizations":897},953,"hklxl4jha8vej6ubzpdzhesu","LAPORAN RCI: TH PATUT REKOD KERUGIAN 1.4 BILION PADA 2017 BERBANDING UNTUNG 3.4 BILION MENGIKUT PIAWAIAN PERAKAUNAN MFRS","laporan-rci-th-patut-rekod-kerugian-1-4-bilion-pada-2017-berbanding-untung-3-4-bilion-mengikut-piawaian-perakaunan-mfrs","2026-07-31T15:25:55.210Z","2026-07-31T15:49:44.742Z","2026-07-31T15:49:44.791Z","\u003Cp class=\"p2\">KUALA LUMPUR, 31 JULAI 2026: Lembaga Tabung Haji (TH) mengambil maklum dapatan Suruhanjaya Siasatan Diraja (RCI) yang antara lain meneliti aspek pelaporan kewangan dan pengisytiharan Agihan Keuntungan TH bagi tempoh sebelum pelaksanaan Pelan Pemulihan dan Penstrukturan pada tahun 2018.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p2\">Sebagai sebuah badan berkanun yang ditubuhkan di bawah undang-undang Persekutuan, TH tertakluk kepada Akta Badan Berkanun (Akaun dan Laporan Tahunan) 1980 [Akta 240], yang mewajibkan penyediaan penyata kewangan berdasarkan prinsip-prinsip perakaunan yang diiktiraf umum. Di Malaysia, piawaian tersebut adalah Malaysian Financial Reporting Standards (MFRS).\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p2\">Menurut laporan RCI, penyata kewangan TH bagi tahun kewangan 2017 tidak mengguna pakai MFRS sepenuhnya. Sekiranya piawaian MFRS digunapakai sepenuhnya pada ketika itu, TH sepatutnya merekodkan kerugian bersih sekitar RM1.4 bilion, berbanding keuntungan bersih RM3.4 bilion yang dilaporkan bagi tahun kewangan tersebut.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p2\">RCI berpendapat bahawa penggunaan kaedah Realisable Asset Value (RAV) adalah tidak selaras dengan Seksyen 22 Akta Tabung Haji berkaitan penilaian aset kerana RAV tidak direkodkan dalam penyata kewangan TH yang diaudit. Dapatan ini memperkukuh keperluan untuk memastikan penyata kewangan disediakan secara telus, konsisten dan mematuhi piawaian perakaunan yang ditetapkan.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p2\">Laporan RCI juga menyatakan pendekatan yang diambil oleh TH dalam mengagihkan keuntungan dari tahun 2014 hingga 2017 adalah tidak mematuhi Seksyen 22 Akta Tabung Haji. Agihan Keuntungan hendaklah dibayar daripada keuntungan sebenar dan bukannya daripada dana pendeposit sendiri.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p2\">Menurut RCI, amalan tersebut telah memberi kesan kepada rizab kewangan TH serta mewujudkan jangkaan berterusan terhadap kadar Agihan Keuntungan yang tinggi dalam kalangan pendeposit. Kedudukan kewangan TH pada tahun 2014 sehingga 2017 menunjukkan jurang defisit\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>aset-liabiliti yang terus berkembang daripada RM352 juta kepada RM4,093 juta.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p1\">Sebelum ini, Agihan Keuntungan diisytiharkan sebelum auditan ke atas penyata kewangan dimuktamadkan. Sehubungan itu, RCI telah mengesyorkan agar Agihan Keuntungan hanya diisytiharkan berdasarkan penyata kewangan yang telah diaudit, selaras dengan prinsip tadbir urus yang baik, ketelusan dan kemampanan kewangan.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p1\">TH menyambut baik syor tersebut dan telah melaksanakan pendekatan berkenaan sejak tahun 2022. Kini, Agihan Keuntungan hanya diumumkan berdasarkan keputusan kewangan yang telah diaudit, sekali gus memperkukuh integriti proses pelaporan kewangan dan meningkatkan keyakinan pendeposit terhadap institusi.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p1\">Hasil daripada pelaksanaan reformasi tadbir urus, penambahbaikan pengurusan risiko serta pengukuhan strategi pelaburan, prestasi kewangan TH terus menunjukkan perkembangan positif. Agihan Keuntungan telah meningkat daripada 3.10% bagi tahun kewangan 2023, kepada 3.25% pada 2024, sebelum mencapai 3.50% pada 2025, iaitu kadar tertinggi dalam tempoh lapan tahun.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p1\">Pencapaian ini mencerminkan komitmen berterusan TH untuk mengurus simpanan lebih 9.8 juta pendeposit secara berhemat, telus dan mampan, selaras dengan mandat institusi sebagai pengurus dana umat Islam serta pemudah cara ibadah haji negara.\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p1\">-TAMAT-\u003C\u002Fp>",{"id":29,"documentId":802,"name":803,"slug":803,"description":118,"createdAt":804,"updatedAt":804,"publishedAt":805},{"id":889,"documentId":890,"name":891,"alternativeText":118,"caption":118,"width":118,"height":118,"formats":118,"hash":892,"ext":811,"mime":812,"size":893,"url":894,"previewUrl":118,"provider":366,"provider_metadata":118,"createdAt":895,"updatedAt":895,"publishedAt":896},1034,"y4t7p0rn0mhrxno1v9q4rjhb","SIARAN AKHBAR TH_TH PATUT  REKOD KERUGIAN 1.4 BILION PADA 2017 BERBANDING UNTUNG 3.4 BILION MENGIKUT PIAWAIAN PERAKAUNAN MFRS.pdf","SIARAN_AKHBAR_TH_TH_PATUT_REKOD_KERUGIAN_1_4_BILION_PADA_2017_BERBANDING_UNTUNG_3_4_BILION_MENGIKUT_PIAWAIAN_PERAKAUNAN_MFRS_c0f9f5bec0",329.41,"\u002Fuploads\u002FSIARAN_AKHBAR_TH_TH_PATUT_REKOD_KERUGIAN_1_4_BILION_PADA_2017_BERBANDING_UNTUNG_3_4_BILION_MENGIKUT_PIAWAIAN_PERAKAUNAN_MFRS_c0f9f5bec0.pdf","2026-07-31T15:28:53.906Z","2026-07-31T15:28:53.907Z",[],{"publishedDate":899,"id":900,"documentId":901,"title":902,"description":118,"slug":903,"createdAt":904,"updatedAt":905,"publishedAt":906,"locale":799,"content":907,"read":118,"cover":118,"author":118,"category":908,"attachment":909,"localizations":918},"2026-07-30",939,"q9891fqpt8lt949i6dq6fqmc","TH MENYAMBUT BAIK LAPORAN RCI, KOMITED TERHADAP SYOR-SYOR YANG DIKEMUKAKAN","th-menyambut-baik-laporan-rci-komited-terhadap-syor-syor-yang-dikemukakan","2026-07-30T13:24:54.002Z","2026-07-31T03:50:20.636Z","2026-07-31T03:50:20.672Z","\u003Cp class=\"p2\">KUALA LUMPUR, 29 JULAI 2026: Lembaga Tabung Haji (TH) menyambut baik keputusan kerajaan hari ini untuk mendedahkan laporan Suruhanjaya Siasatan Diraja (RCI) kepada umum.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp class=\"p2\">TH telah mengambil maklum syor-syor RCI berhubung apa yang berlaku sebelum tahun 2018. Sejak itu, TH telah melangkah ke hadapan.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p2\">TH telah melaksanakan 75% daripada syor RCI bagi meningkatkan tadbir urus dan kesejahteraan institusi ini. Selebihnya kini sedang dalam proses pelaksanaan.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp class=\"p2\">TH juga telah memulihkan kunci kira-kira, membina rizab, dan berjaya meningkatkan pengagihan keuntungan kepada 3.5%, iaitu kadar tertinggi dalam tempoh lapan tahun. Di samping itu, TH berjaya mengekalkan kos haji pada kadar RM33,300 seorang selama tiga tahun berturut-turut.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp class=\"p2\">TH kekal komited untuk melindungi kepentingan para pendeposit, mengukuhkan kepercayaan awam, serta memastikan institusi ini terus beroperasi dengan penuh integriti dan bertanggungjawab.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>TAMAT\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>",{"id":29,"documentId":802,"name":803,"slug":803,"description":118,"createdAt":804,"updatedAt":804,"publishedAt":805},{"id":910,"documentId":911,"name":912,"alternativeText":902,"caption":118,"width":118,"height":118,"formats":118,"hash":913,"ext":811,"mime":812,"size":914,"url":915,"previewUrl":118,"provider":366,"provider_metadata":118,"createdAt":916,"updatedAt":917,"publishedAt":916},1031,"n1lijd51chqj16knhrmprbwc","SIARAN AKHBAR TH - TH MENYAMBUT BAIK LAPORAN RCI, KOMITED TERHADAP SYOR SYOR YANG DIKEMUKAKAN.pdf","SIARAN_AKHBAR_TH_TH_MENYAMBUT_BAIK_LAPORAN_RCI_KOMITED_TERHADAP_SYOR_SYOR_YANG_DIKEMUKAKAN_73287e685c",252.58,"\u002Fuploads\u002FSIARAN_AKHBAR_TH_TH_MENYAMBUT_BAIK_LAPORAN_RCI_KOMITED_TERHADAP_SYOR_SYOR_YANG_DIKEMUKAKAN_73287e685c.pdf","2026-07-30T13:22:15.644Z","2026-07-30T13:26:20.829Z",[],{"publishedDate":920,"id":921,"documentId":922,"title":923,"description":118,"slug":924,"createdAt":925,"updatedAt":926,"publishedAt":927,"locale":799,"content":928,"read":118,"cover":118,"author":118,"category":929,"attachment":930,"localizations":938},"2026-07-23",931,"bhnunx7preo759ywdw2dh42r","TH RAIH DUA PENGIKTIRAFAN BERPRESTIJ DALAM PENGURUSAN HARTANAH","th-raih-dua-pengiktirafan-berprestij-dalam-pengurusan-hartanah","2026-07-23T05:35:49.840Z","2026-07-23T09:20:04.505Z","2026-07-23T09:20:04.542Z","\u003Cp>KUALA LUMPUR, 23 JULAI 2026: Lembaga Tabung Haji (TH) telah meraih dua anugerah berprestij bagi hartanah ikoniknya, Menara TH Tun Razak dan Menara Bank Islam, yang mencerminkan komitmen berterusan dalam pengurusan aset dan amalan kelestarian.\u003C\u002Fp>\u003Cp>\u003Cbr>Anugerah sempena The Edge Malaysia Best Managed & Sustainable Property Awards (BMSPA) 2026 mengiktiraf usaha berterusan TH mengurus dan memperkasakan aset hartanah secara profesional, inovatif dan mampan, selaras dengan tadbir urus terbaik serta komitmen terhadap nilai jangka panjang.\u003C\u002Fp>\u003Cp>\u003Cbr>Menara TH Tun Razak dinobatkan sebagai pemenang kategori Bangunan Pejabat Bukan Strata (Non-Strata Office), manakala Menara Bank Islam memenangi kategori Bangunan Pejabat Milikan Tunggal dalam Pembangunan Strata Bercampur (Single-Owned Office in a Mixed Strata Development).\u003C\u002Fp>\u003Cp>\u003Cbr>Pengerusi TH, Tan Sri Abdul Rashid Hussain berkata kejayaan itu membuktikan komitmen TH dalam mengurus aset secara profesional, berintegriti dan mampan, sekali gus memastikan aset yang diamanahkan terus menjana nilai kepada lebih 9.8 juta pendeposit.\u003C\u002Fp>\u003Cp>\u003Cbr>\"Dua pengiktirafan ini bukan sekadar mengiktiraf kecemerlangan pengurusan bangunan, malah mencerminkan komitmen TH dalam memenuhi standard terbaik dalam segala apa yang dilakukan.\u003C\u002Fp>\u003Cp>\u003Cbr>Sebagai institusi yang mengurus amanah umat Islam, setiap aset perlu dipelihara sebaiknya agar terus memberi manfaat kepada para pendeposit, masyarakat dan negara untuk jangka panjang,\" jelas beliau.\u003C\u002Fp>\u003Cp>\u003Cbr>Beliau berkata, kejayaan itu turut membuktikan keupayaan TH sebagai institusi yang telah banyak menerima pengiktirafan, dalam menggabungkan pengurusan aset yang matang dengan teknologi moden, pendigitalan dan amalan kelestarian selaras dengan standard terbaik industri.\u003C\u002Fp>\u003Cp>\u003Cbr>Menara TH Tun Razak yang direka oleh arkitek terkenal Hijjas Kasturi dan menjadi mercu tanda Kuala Lumpur sejak 1985, terus diperkasakan melalui pelbagai inisiatif penambahbaikan.\u003C\u002Fp>\u003Cp>\u003Cbr>Ini termasuk menaik taraf kemudahan bangunan, sistem parkir tanpa tunai berasaskan pengecaman nombor pendaftaran kenderaan, peningkatan aspek keselamatan dan akses, serta perancangan pemasangan sistem solar sebagai sebahagian daripada Pelan Pengurusan Aset Lima Tahun.\u003C\u002Fp>\u003Cp>\u003Cbr>Menara Bank Islam terus menunjukkan kecemerlangan dalam pengurusan fasiliti menerusi penyelenggaraan proaktif, pemantauan berasaskan keadaan (condition-based monitoring) dan penggunaan sistem pengurusan penyelenggaraan berkomputer i-MANS, yang meningkatkan kecekapan operasi, mempercepatkan masa respons serta mengoptimumkan pengurusan aset.\u003C\u002Fp>\u003Cp>\u003Cbr>Kedua-dua bangunan ini diuruskan oleh TH Properties Sdn Bhd, iaitu sebuah anak syarikat milikan penuh TH. Pendekatan yang dilaksanakan berjaya memastikan kebolehpercayaan sistem kritikal bangunan seperti bekalan air domestik, lif dan sistem pencegahan kebakaran, di samping menyumbang kepada pengurangan penggunaan tenaga sebanyak 6.6 peratus berbanding garis asas tenaga yang diselaraskan melalui pelaksanaan sistem automasi bangunan, pengoptimuman operasi sistem penyaman udara serta penggunaan lampu cekap tenaga.\u003C\u002Fp>\u003Cp>\u003Cbr>Tan Sri Abdul Rashid berkata, pengiktirafan tersebut mengukuhkan komitmen TH untuk terus mempertingkatkan pengurusan aset berteraskan prinsip Alam Sekitar, Sosial dan Tadbir Urus (ESG).\u003C\u002Fp>\u003Cp>\u003Cbr>TH akan terus memanfaatkan teknologi dan inovasi bagi memastikan aset-aset strategik kekal berdaya saing serta mencipta nilai mampan kepada para pendeposit.\u003C\u002Fp>\u003Cp>\u003Cbr>Beliau turut merakamkan penghargaan kepada seluruh warga kerja Kumpulan TH atas dedikasi serta komitmen mereka dalam memastikan aset-aset TH diurus mengikut standard tertinggi sehingga meraih pengiktirafan di peringkat industri.\u003C\u002Fp>\u003Cp>\u003Cbr>-TAMAT-\u003C\u002Fp>",{"id":29,"documentId":802,"name":803,"slug":803,"description":118,"createdAt":804,"updatedAt":804,"publishedAt":805},{"id":931,"documentId":932,"name":933,"alternativeText":118,"caption":118,"width":118,"height":118,"formats":118,"hash":934,"ext":811,"mime":812,"size":935,"url":936,"previewUrl":118,"provider":366,"provider_metadata":118,"createdAt":937,"updatedAt":937,"publishedAt":937},1030,"kvrjg6lunak46u0uilu38iio","SIARAN AKHBAR_TH HARI INI LEBIH KUKUH DAN MAMPAN UNTUK MELINDUNGI SIMPANAN PENDEPOSIT DAN MEMASTIKAN KELANGSUNGAN INSTITUSI.pdf","SIARAN_AKHBAR_TH_HARI_INI_LEBIH_KUKUH_DAN_MAMPAN_UNTUK_MELINDUNGI_SIMPANAN_PENDEPOSIT_DAN_MEMASTIKAN_KELANGSUNGAN_INSTITUSI_acd3a90bb8",276.07,"\u002Fuploads\u002FSIARAN_AKHBAR_TH_HARI_INI_LEBIH_KUKUH_DAN_MAMPAN_UNTUK_MELINDUNGI_SIMPANAN_PENDEPOSIT_DAN_MEMASTIKAN_KELANGSUNGAN_INSTITUSI_acd3a90bb8.pdf","2026-07-23T05:34:38.456Z",[],{"publishedDate":940,"id":941,"documentId":942,"title":943,"description":118,"slug":944,"createdAt":945,"updatedAt":946,"publishedAt":947,"locale":799,"content":948,"read":118,"cover":118,"author":118,"category":949,"attachment":950,"localizations":957},"2026-07-21",883,"raysxiz76uqpv2yfb791ff85","TH HARI INI LEBIH KUKUH DAN MAMPAN UNTUK MELINDUNGI SIMPANAN PENDEPOSIT DAN MEMASTIKAN KELANGSUNGAN INSTITUSI","th-hari-ini-lebih-kukuh-dan-mampan-untuk-melindungi-simpanan-pendeposit-dan-memastikan-kelangsungan-institusi","2026-07-21T03:07:08.348Z","2026-07-21T06:45:39.104Z","2026-07-21T06:45:39.149Z","\u003Cp class=\"p2\">KUALA LUMPUR, 20 JULAI 2026: Lembaga Tabung Haji (TH) hari ini berada dalam keadaan yang jauh lebih kukuh berbanding tahun 2018 hasil usaha pemulihan lebih lapan tahun dahulu. Ini jelas dapat dilihat melalui kejayaan TH mengekalkan kos haji selama tiga tahun berturut-turut (2024-2026) dan pengumuman Agihan Keuntungan tertinggi dalam tempoh lapan tahun pada tahun 2025. Tindakan pemulihan yang diambil pada tahun 2018 adalah satu keputusan strategik untuk melindungi simpanan pendeposit dan memastikan kemampanan kewangan TH.\u003C\u002Fp>\u003Cp class=\"p2\"> \u003C\u002Fp>\u003Cp class=\"p2\">\u003Cstrong>Latar belakang penstrukturan TH pada tahun 2018\u003C\u002Fstrong>\u003Cspan class=\"Apple-converted-space\">\u003Cstrong> \u003C\u002Fstrong>\u003C\u002Fspan>\u003Cbr>Penstrukturan semula TH pada tahun 2018 adalah bagi menangani kedudukan kewangan yang memerlukan tindakan segera.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p2\">Bagi Tahun Kewangan Berakhir 2017, Ketua Audit Negara telah membangkitkan Emphasis of Matter (EoM) berhubung amalan pengiktirafan rosot nilai aset tertentu yang tidak memberi gambaran sebenar kedudukan kewangan TH. Pada masa yang sama, Bank Negara Malaysia turut membangkitkan kebimbangan terhadap kedudukan aset TH yang lebih rendah berbanding liabiliti dan keadaan ini menunjukkan terdapat jurang yang perlu ditangani segera bagi memastikan TH terus mematuhi Akta Tabung Haji 1995.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p2\"> \u003C\u002Fp>\u003Cp class=\"p2\">\u003Cstrong>Kedudukan kewangan semakin meruncing pada tahun 2018\u003C\u002Fstrong>\u003Cspan class=\"Apple-converted-space\">\u003Cstrong> \u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p2\">Jurang antara aset dan liabiliti yang dikenal pasti pada tahun 2017 terus meningkat pada tahun 2018 sehingga mencecah kira-kira RM10 bilion. Sekiranya keadaan ini tidak ditangani sebelum berakhir tahun 2018, TH berkemungkinan besar tidak dapat memenuhi syarat di bawah Akta Tabung Haji untuk mengisytiharkan Agihan Keuntungan.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\">Justeru, penstrukturan semula perlu dilaksanakan segera bagi memastikan TH kembali berada dalam kedudukan aset melebihi liabiliti serta kekal upaya (solven).\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\"> \u003C\u002Fp>\u003Cp class=\"p1\">\u003Cstrong>Kerajaan tiada pilihan selain melaksanakan pelan penstrukturan\u003C\u002Fstrong>\u003Cspan class=\"Apple-converted-space\">\u003Cstrong> \u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\">Dalam keadaan tersebut, Kerajaan pada ketika itu telah mengambil langkah proaktif dengan melaksanakan pelan penstrukturan TH. Tindakan ini diambil bagi mengelakkan risiko TH tidak dapat mengisytiharkan Agihan Keuntungan kepada para pendeposit dan terus menjejaskan kedudukan kewangan TH serta keyakinan pendeposit.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\">Selain itu, terdapat juga risiko kesan kepada keupayaan TH untuk melaksanakan mandatnya dalam pengurusan dana dan perkhidmatan haji.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\"> \u003C\u002Fp>\u003Cp class=\"p1\">\u003Cstrong>Tempoh pelaksanaan yang sangat terhad\u003C\u002Fstrong>\u003Cspan class=\"Apple-converted-space\">\u003Cstrong> \u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\">Pada masa itu, TH hanya mempunyai tempoh kira-kira tiga (3) bulan sahaja untuk melaksanakan pelan penstrukturan semula sebelum berakhirnya tahun kewangan 2018.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\">Maka, penyelesaian yang diambil telah dinilai dengan teliti serta memenuhi dua kriteria utama iaitu:\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Col style=\"list-style-type:lower-roman;\">\u003Cli>Praktikal dan boleh dilaksanakan dalam tempoh yang singkat\u003C\u002Fli>\u003Cli>Berupaya memulihkan kedudukan kewangan TH secara serta-merta.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp class=\"p1\"> \u003C\u002Fp>\u003Cp class=\"p1\">\u003Cstrong>Keputusan terbaik untuk menstabilkan TH\u003C\u002Fstrong>\u003Cspan class=\"Apple-converted-space\">\u003Cstrong> \u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\">Keputusan yang diambil pada akhir tahun 2018 adalah yang terbaik pada ketika itu bagi menangani isu kedudukan kewangan TH.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\">Setelah mengambil kira kekangan masa, implikasi kewangan dan kepentingan pendeposit, Kerajaan telah memutuskan bahawa kaedah terbaik ialah melalui pengambilalihan aset tertentu yang kurang berdaya\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>saing dan bermasalah pada nilai premium bagi menampung kerugian yang dialami ketika itu dan untuk memulihkan kedudukan kewangan \u003Cstrong>TH \u003C\u002Fstrong>pada kedudukan solven dengan aset melebihi liabiliti pada akhir tahun mengikut kehendak Akta TH 1995.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\">Pelan pengambilalihan oleh Syarikat Tujuan Khas (SPV) milik penuh Kerajaan, iaitu Urusharta Jamaah Sdn Bhd (UJSB) membolehkan TH untuk terus kekal solven, mematuhi kehendak Akta Tabung Haji, meneruskan pengisytiharan Agihan Keuntungan kepada pendeposit dan menstabilkan kedudukan kewangannya untuk tempoh jangka panjang.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\">Pelan ini bukan sekadar penyelesaian jangka pendek, malah menjadi asas kepada usaha transformasi dan pemulihan TH sejak tahun 2018.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003Cbr> \u003C\u002Fp>\u003Cp class=\"p1\">\u003Cstrong>TH tidak wajib membeli semula aset yang dipindahkan\u003C\u002Fstrong>\u003Cspan class=\"Apple-converted-space\">\u003Cstrong> \u003C\u002Fstrong>\u003C\u002Fspan>\u003Cbr>Di bawah pelan penstrukturan semula, TH tidak mempunyai sebarang obligasi atau kewajipan mengambilalih semula aset yang telah dipindahkan kepada UJSB. TH hanya memiliki Right of First Refusal (Hak Keutamaan untuk Menolak) sekiranya UJSB berhasrat untuk menjual aset tersebut pada masa hadapan tertakluk kepada penilaian komersil dan kesesuaian kepada kriteria pelaburan TH pada ketika itu.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\"> \u003C\u002Fp>\u003Cp class=\"p1\">\u003Cstrong>Pengambilalihan dua (2) aset UJSB pada tahun 2026\u003C\u002Fstrong>\u003Cspan class=\"Apple-converted-space\">\u003Cstrong> \u003C\u002Fstrong>\u003C\u002Fspan>\u003Cbr>Pada tahun 2026, TH telah mengambilalih dua (2) daripada beberapa aset yang ditawarkan oleh UJSB. Pengambilalihan dua aset ini dibuat selepas pertimbangan wajar berasaskan komersil yang dibuat mengikut kesesuaian dengan Alokasi Aset Strategik (SAA) yang berkuatkuasa serta kriteria pelaburan TH yang telah ditetapkan dan bukan disebabkan kewajipan pematuhan kepada kehendak pelan penstrukturan TH tahun 2018.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\"> \u003C\u002Fp>\u003Cp class=\"p1\">\u003Cstrong>Pengambilalihan Tanah di TRX\u003C\u002Fstrong>\u003Cspan class=\"Apple-converted-space\">\u003Cstrong> \u003C\u002Fstrong>\u003C\u002Fspan>\u003Cbr>Salah satu aset yang telah dijual kepada UJSB pada tahun 2018 adalah tanah di Tun Razak Exchange (TRX) pada nilai premium berjumlah RM400\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>juta. Pada tahun 2026 setelah menyaksikan pembangunan pesat berlaku di TRX, \u003Cstrong>TH \u003C\u002Fstrong>mengambil keputusan untuk mengambilalih semula tanah di TRX tersebut pada harga RM270 juta berdasarkan nilai pasaran komersil semasa. Transaksi ini menunjukkan \u003Cstrong>TH \u003C\u002Fstrong>hanya akan mengambilalih semula aset yang memberi nilai tambah kepada portfolio pelaburan demi menjaga kepentingan para pendepositnya.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\"> \u003C\u002Fp>\u003Cp class=\"p1\">\u003Cstrong>Pengambilalihan Perladangan Kelapa Sawit UJEH\u003C\u002Fstrong>\u003Cspan class=\"Apple-converted-space\">\u003Cstrong> \u003C\u002Fstrong>\u003C\u002Fspan>\u003Cbr>Pada tahun 2018 juga TH telah menjual perladangan kelapa sawit yang kini dikenali sebagai UJ Estates (Holdings) Sdn Bhd (UJEH) pada nilai premium berjumlah RM800 juta. Pada tahun 2026, TH telah mengambilalih semula UJEH pada nilai pasaran semasa berdasarkan kaedah penilaian Enterprise Value berjumlah RM695 juta daripada UJSB setelah perladangan ini menunjukkan pemulihan hasil dan kestabilan aliran tunai. Penilaian yang dibuat adalah berdasarkan amalan pasaran setelah melalui proses penilaian yang sewajarnya.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\"> \u003C\u002Fp>\u003Cp class=\"p1\">\u003Cstrong>Aset lain tidak diperoleh semula\u003C\u002Fstrong>\u003Cspan class=\"Apple-converted-space\">\u003Cstrong> \u003C\u002Fstrong>\u003C\u002Fspan>\u003Cbr>TH turut ditawarkan beberapa aset lain untuk dipertimbangkan. Walau bagaimanapun, aset-aset tersebut tidak memenuhi kriteria pelaburan dan SAA yang ditetapkan TH. Ini adalah kerana pemerolehan aset-aset berkenaan berpotensi memberi kesan negatif kepada pulangan pelaburan serta kedudukan kewangan TH.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\">Justeru, TH memutuskan untuk tidak memperoleh aset-aset tersebut demi menjaga kepentingan jangka panjang pendeposit.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\"> \u003C\u002Fp>\u003Cp class=\"p1\">\u003Cstrong>Pelan penstrukturan telah berjaya menstabilkan TH\u003C\u002Fstrong>\u003Cspan class=\"Apple-converted-space\">\u003Cstrong> \u003C\u002Fstrong>\u003C\u002Fspan>\u003Cbr>Pelan penstrukturan semula tahun 2018 telah berjaya mencapai objektif utamanya iaitu:\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Col class=\"ol1\" style=\"list-style-type:lower-roman;\">\u003Cli class=\"li2\">Memulihkan kedudukan kewangan TH\u003C\u002Fli>\u003Cli class=\"li2\">Menjadikan TH kembali solven\u003C\u002Fli>\u003Cli class=\"li1\">Membolehkan TH terus mengisytiharkan Agihan Keuntungan secara mampan\u003C\u002Fli>\u003Cli class=\"li2\">Menjadi asas kepada prestasi kewangan yang lebih kukuh pada hari ini\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp class=\"p2\"> \u003C\u002Fp>\u003Cp class=\"p2\">\u003Cstrong>Pengukuhan kedudukan kewangan TH sejak tahun 2018\u003C\u002Fstrong>\u003Cspan class=\"Apple-converted-space\">\u003Cstrong> \u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p2\">Sejak tahun 2018, pihak pengurusan TH telah melaksanakan pelbagai inisiatif bagi memperkukuhkan lagi Lembaran Imbangan (balance sheet) dan meningkatkan daya tahan TH.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p2\">Antara inisiatif ini termasuklah:\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Col class=\"ol1\" style=\"list-style-type:lower-roman;\">\u003Cli class=\"li3\">Pembersihan dan rasionalisasi portfolio pelaburan\u003C\u002Fli>\u003Cli class=\"li3\">Memperkukuh tadbir urus dan pengurusan Risiko\u003C\u002Fli>\u003Cli class=\"li3\">Pelaksanaan strategi pelaburan yang lebih berhemah dan mampan\u003C\u002Fli>\u003Cli class=\"li2\">Memperbaiki kecekapan operasi serta pengurusan kos.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp class=\"p2\"> \u003C\u002Fp>\u003Cp class=\"p2\">\u003Cstrong>Kesimpulan\u003C\u002Fstrong>\u003Cspan class=\"Apple-converted-space\">\u003Cstrong> \u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p2\">Pelan penstrukturan semula yang dilaksanakan pada tahun 2018 ini telah menjadi asas penting kepada transformasi dan pengukuhan prestasi TH sehingga ke hari ini.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Col class=\"ol1\" style=\"list-style-type:lower-roman;\">\u003Cli class=\"li3\">Kedudukan kewangannya kembali memenuhi syarat aset melebihi liabiliti\u003C\u002Fli>\u003Cli class=\"li3\">TH terus dapat mengisytiharkan Agihan Keuntungan yang stabil dan mampan kepada lebih 9 juta pendeposit\u003C\u002Fli>\u003Cli class=\"li3\">Peningkatan ketara kadar Agihan Keuntungan daripada 1.25 peratus (tahun kewangan 2018) kepada 3.50 peratus (tahun kewangan 2025).\u003C\u002Fli>\u003Cli class=\"li3\">Kedudukan Lembaran Imbangan (balance sheet) TH menjadi lebih kukuh dan berdaya tahan.\u003C\u002Fli>\u003Cli class=\"li3\">TH juga berjaya mengekalkan mandatnya dalam mengurus simpanan umat Islam serta konsisten menyampaikan perkhidmatan haji bertaraf dunia\u003C\u002Fli>\u003Cli class=\"li2\">TH terus menerima pengiktirafan antarabangsa tertinggi bagi pengurusan operasi haji dan perkhidmatan untuk jemaah haji Malaysia.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp class=\"p2\"> \u003C\u002Fp>\u003Cp class=\"p2\">-TAMAT-\u003Cbr> \u003C\u002Fp>",{"id":29,"documentId":802,"name":803,"slug":803,"description":118,"createdAt":804,"updatedAt":804,"publishedAt":805},{"id":951,"documentId":952,"name":933,"alternativeText":118,"caption":118,"width":118,"height":118,"formats":118,"hash":953,"ext":811,"mime":812,"size":954,"url":955,"previewUrl":118,"provider":366,"provider_metadata":118,"createdAt":956,"updatedAt":956,"publishedAt":956},1029,"dbct6z6j3u518e903obplbyr","SIARAN_AKHBAR_TH_HARI_INI_LEBIH_KUKUH_DAN_MAMPAN_UNTUK_MELINDUNGI_SIMPANAN_PENDEPOSIT_DAN_MEMASTIKAN_KELANGSUNGAN_INSTITUSI_5f9f9f1533",316.2,"\u002Fuploads\u002FSIARAN_AKHBAR_TH_HARI_INI_LEBIH_KUKUH_DAN_MAMPAN_UNTUK_MELINDUNGI_SIMPANAN_PENDEPOSIT_DAN_MEMASTIKAN_KELANGSUNGAN_INSTITUSI_5f9f9f1533.pdf","2026-07-21T03:02:56.746Z",[],{"publishedDate":959,"id":960,"documentId":961,"title":962,"description":118,"slug":963,"createdAt":964,"updatedAt":965,"publishedAt":966,"locale":799,"content":967,"read":118,"cover":118,"author":118,"category":968,"attachment":969,"localizations":977},"2026-07-09",885,"kaixhaehzhgf6uuxqnzfa3z2","TH PERKUKUH PERKHIDMATAN DENGAN LOKASI STRATEGIK BAHARU CAWANGAN KUALA TERENGGANU","th-perkukuh-perkhidmatan-dengan-lokasi-strategik-baharu-cawangan-kuala-terengganu","2026-07-09T12:57:04.442Z","2026-07-21T06:46:56.764Z","2026-07-21T06:46:56.800Z","\u003Cp class=\"p2\">KUALA TERENGGANU, 9 JULAI 2026: Selaras dengan matlamat untuk menyediakan pengalaman perkhidmatan yang lebih selesa, moden dan mesra pelanggan, Pejabat Cawangan Lembaga Tabung Haji (TH) Kuala Terengganu telah memilih premis baharu di lokasi yang lebih strategik di Jalan Sultan Zainal Abidin.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp class=\"p2\">Pengarah Urusan Kumpulan dan Ketua Pegawai Eksekutif TH, Mustakim Mohamad dalam ucapan perasmiannya berkata pejabat baharu ini yang mempunyai keluasan hampir 6,000 kaki persegi menawarkan ruang yang lebih luas, selesa dan kondusif untuk memenuhi keperluan pendeposit yang semakin meningkat.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p2\"> \u003C\u002Fp>\u003Cp class=\"p2\">Selain itu, lokasi cawangan baharu ini juga dipilih kerana mempunyai akses jalan raya yang lebih mudah, terletak di kawasan pusat perniagaan yang menjadi kawasan tumpuan ramai dan ruang parkir khas yang lebih banyak akan memudahkan pengunjung untuk hadir membuat sebarang urusan di tujuh kaunter perkhidmatan yang disediakan.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p2\"> \u003C\u002Fp>\u003Cp class=\"p2\">“Pejabat baharu ini merupakan sebahagian daripada komitmen berterusan TH untuk memperkukuh ekosistem perkhidmatan kepada pendeposit. Kami percaya pelaburan terbaik bukan hanya pada bangunan atau teknologi sahaja, tetapi pada usaha membina keyakinan masyarakat melalui penyampaian perkhidmatan yang berkualiti, mudah diakses, mesra dan sentiasa mengutamakan pelanggan,” tambah beliau.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p2\"> \u003C\u002Fp>\u003Cp class=\"p2\">Mustakim turut menjelaskan TH akan terus memperkukuh transformasi digital bagi memastikan perkhidmatan yang sentiasa relevan dengan keperluan masyarakat masa kini. Ini dapat dilihat melalui peningkatan ketara penggunaan aplikasi THiJARI yang menyediakan pelbagai perkhidmatan dengan lebih mudah, pantas dan selamat bagi pendeposit.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p2\"> \u003C\u002Fp>\u003Cp class=\"p2\">“TH juga kini sedang menumpukan kepada usaha bagi membudayakan persediaan kewangan yang lebih awal, konsisten dan terancang. Pelbagai inisiatif dilaksanakan antaranya simpanan secara potongan gaji, ‘Direct Debit’, penganjuran program literasi kewangan Cilik-Cilik Dah Celik dan kempen kesedaran menuju istito’ah\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>dengan tujuan membantu masyarakat membina kemampuan kewangan secara berdisiplin agar hasrat menunaikan haji dapat direalisasikan,” kata beliau lagi.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p2\"> \u003C\u002Fp>\u003Cp class=\"p1\">Selain itu, TH turut mengambil pendekatan proaktif dan sedang giat memperluaskan capaian dan mendekati masyarakat secara lebih inklusif dan mesra pelanggan dengan pembukaan kaunter bergerak yang dinamakan ‘TH Gerak’ di lokasi-lokasi tumpuan ramai. Pendekatan ini membantu memastikan perkhidmatan TH terus sampai ke kawasan tertentu dan dapat menyantuni lebih ramai pendeposit melalui pelbagai aktiviti pendidikan, khidmat nasihat dan perkhidmatan secara mobil.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\"> \u003C\u002Fp>\u003Cp class=\"p1\">“Kesemua inisiatif ini mencerminkan aspirasi TH untuk menjadi rakan strategik masyarakat dalam membina kesejahteraan kewangan umat Islam di Malaysia, di samping terus kekal sebagai institusi pengurusan haji yang unggul,” tambah Mustakim.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\"> \u003C\u002Fp>\u003Cp class=\"p1\">Turut hadir dalam Majlis Perasmian Pejabat Cawangan Kuala Terengganu ialah barisan pengurusan, Pengarah Wilayah, Pengarah Negeri dan kakitangan TH.\u003Cspan class=\"Apple-converted-space\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp class=\"p1\"> \u003C\u002Fp>\u003Cp class=\"p1\">-TAMAT-\u003C\u002Fp>",{"id":29,"documentId":802,"name":803,"slug":803,"description":118,"createdAt":804,"updatedAt":804,"publishedAt":805},{"id":970,"documentId":971,"name":972,"alternativeText":118,"caption":118,"width":118,"height":118,"formats":118,"hash":973,"ext":811,"mime":812,"size":974,"url":975,"previewUrl":118,"provider":366,"provider_metadata":118,"createdAt":976,"updatedAt":976,"publishedAt":976},1013,"m72qq5mevgl3bl83bkobmoqt","09072026_SIARAN AKHBAR_TH PERKUKUH PERKHIDMATAN DENGAN LOKASI STRATEGIK BAHARU CAWANGAN KUALA TERENGGANU.pdf","09072026_SIARAN_AKHBAR_TH_PERKUKUH_PERKHIDMATAN_DENGAN_LOKASI_STRATEGIK_BAHARU_CAWANGAN_KUALA_TERENGGANU_ca1d106c1b",273.04,"\u002Fuploads\u002F09072026_SIARAN_AKHBAR_TH_PERKUKUH_PERKHIDMATAN_DENGAN_LOKASI_STRATEGIK_BAHARU_CAWANGAN_KUALA_TERENGGANU_ca1d106c1b.pdf","2026-07-09T12:52:34.101Z",[],{"pagination":979},{"page":9,"pageSize":334,"pageCount":291,"total":980},53,{"data":982,"meta":983},[],{"pagination":984},{"page":9,"pageSize":985,"pageCount":986,"total":986},150,0]