Bersama Memacu
Masa Depan Negara

#KitaUntukKita

Bersama Memacu
Masa Depan Negara

#KitaUntukKita


As part of the Economic Recovery Plan (ERP) announced by the Prime Minister on 5 June 2020, the RM500 million Sukuk Prihatin is issued by the Ministry of Finance to encourage the rakyat to support the country's post-recovery efforts.

Funds raised would be used to help micro enterprises, improve broadband coverage in schools particularly in rural areas, to fund research in infectious diseases among other broad reaching efforts.

Step by Step Guide on the Application Process

Subscriptions can only be made digitally via CIMB Clicks through JomPAY and DuitNow. Please read the Sukuk Prihatin Knowledge Pack prior to subscribing.

Step 1: Login to CIMB Clicks
a. Web: Log on www.cimbclicks.com.my › Pay & Transfer › JomPAY
b. App: Launch the CIMB Clicks App › tap on JomPAY icon
Step 2:
Do you want to waive your principal at maturity?
Yes
(I wish to waive the principal amount at maturity)
Biller Code: 14076
No
(I wish to invest only)
Biller Code: 28670
Step 3:
Fill in Biller Code
Step 4:
Enter contact number under Ref-1
Step 5:
Key in your email address under Ref-2
Note: You will be notified via email for any Sukuk Prihatin updates and quarterly eStatement. You can use the quarterly eStatement as part of your tax claim purposes.
Step 6:
Select the account you wish to deduct from
Step 7:
Enter your amount for subscription (minimum of RM500 and in multiples of RM100)
Step 8:
Click on 'Make Payment' to proceed
Step 1:
Log on www.cimbclicks.com.my › Transfer Money
Step 2:
Do you want to waive your principal at maturity?
Yes
(I wish to waive its principal amount at maturity)
DuitNow ID: SUKUKP20SUM
No
(I wish to invest only)
DuitNow ID: SUKUKP20PEL
Step 3:
Fill in DuitNow ID
Step 4:
Select DuitNow as transfer type
Step 5:
Select 'Business Registration Number' as DuitNow ID Type
Step 6:
Select the account you wish to deduct from
Step 7:
Enter your amount for subscription (minimum of RM500 and in multiples of RM100)
Step 8:
Enter contact number under Transaction Instruction › Recipient Reference
Step 9:
Key in your email address under Transaction Instruction › Other Payment Details
Note: You will be notified via email for any Sukuk Prihatin updates and quarterly eStatement. You can use the quarterly eStatement as part of your tax claim purposes.
Step 10:
Click on 'Transfer Money' to proceed
Step 1: Login to CIMB Clicks
a. Web: Log on www.cimbclicks.com.my › Pay & Transfer › JomPAY
b. App: Launch the CIMB Clicks App › tap on JomPAY icon
Step 2:
Do you want to waive your principal at maturity?
Yes
(I wish to waive its principal amount at maturity)
Biller Code: 14076
No
(I wish to invest only)
Biller Code: 28670
Step 3:
Fill in Biller Code
Step 4:
Enter contact number under Ref-1
Step 5:
Key in your email address under Ref-2
Note: You will be notified via email for any Sukuk Prihatin updates and quarterly eStatement. You can use the quarterly eStatement as part of your tax claim purposes.
Step 6:
Select the account you wish to deduct from
Step 7:
Enter your amount for subscription (minimum of RM500 and in multiples of RM100)
Step 8:
Click on 'Make Payment' to proceed
Step 1:
Log on www.cimbclicks.com.my › Transfer Money
Step 2:
Do you want to waive your principal at maturity?
Yes
(I wish to waive its principal amount at maturity)
DuitNow ID: SUKUKP20SUM
No
(I wish to invest only)
DuitNow ID: SUKUKP20PEL
Step 3:
Fill in DuitNow ID
Step 4:
Select DuitNow as transfer type
Step 5:
Select 'Business Registration Number' as DuitNow ID Type
Step 6:
Select the account you wish to deduct from
Step 7:
Enter your amount for subscription (minimum of RM500 and in multiples of RM100)
Step 8:
Enter contact number under Transaction Instruction › Recipient Reference
Step 9:
Key in your email address under Transaction Instruction › Other Payment Details
Note: You will be notified via email for any Sukuk Prihatin updates and quarterly eStatement. You can use the quarterly eStatement as part of your tax claim purposes.
Step 10:
Click on 'Transfer Money' to proceed
Notification on Application Status
  1. 1. Successful and unsuccessful Applicant will be notified via email within fourteen (14) business days from the closing of the offering date of the Sukuk Prihatin.
  2. 2. For unsuccessful applications, the amount will be auto-refunded to your account within five (5) business days from the date of application of the Sukuk Prihatin via Giro.

Notes:

  1. 1. Any application made after 5pm, shall be deemed to be effective only on the next day. Profit shall be calculated from the Issue Date of the Sukuk Prihatin.
  2. 2. For corporate Applicant, please use the same email address that was registered/ recorded in the respective e-channels payment platform (this will be deemed as the authorised and official email address for the purpose of communication throughout the tenure of the Sukuk Prihatin)

Frequently Asked Questions

A Sukuk is an Islamic Financial Certificate similar to a conventional bond that complies with Islamic law (Shariah).

Sukuk Prihatin will be issued by Government of Malaysia. Proceeds from this Sukuk Prihatin will be utilised by the government for general corporate purposes, to fund development expenditure of the government and/or any post pandemic initiative.

This may include but not limited to the following initiatives:-

  • Enhance connectivity to rural schools, which will also act as hubs to connect nearby villages
  • Research grants for infectious diseases; and
  • Financing/ grants for micro enterprises.

Sukuk Prihatin subscription period is between 18 August 2020 to 17 September 2020. However, the Sukuk Prihatin subscription period may be shortened should it reach RM500 million and it is subjected to Government's decision.

Sukuk Prihatin's tenure will be for two years and the expected maturity will be in September 2022.

Malaysian citizens who are 18 years old and above.

To subscribe to Sukuk Prihatin, you can do so by logging on to CIMB Clicks web www.cimbclicks.com.my › select your mode of subscribing via JomPAY or DuitNow and follow the steps above.

Sukuk Prihatin subscription is only available online via CIMB Clicks. If you wish to subscribe but do not have access to CIMB Clicks, you may register for CIMB Clicks by following the steps in this page.

Minimum subscription for Sukuk Prihatin is RM500.

An email notification will be sent to all customers who participated in the subscription within 14 days of Sukuk Prihatin closing date.

You will receive your refund within 5 days of Sukuk Prihatin subscription period closing date and you will be notified via email.

Unfortunately, cancellation or refund of subscription is not permitted under Sukuk Prihatin. For more information, please visit penjana.treasury.gov.my

You may exercise your discretionary rights to waive the principal amount due, akin to a donation as a contribution to any Government's approved donation fund. Otherwise, the principal amount will be credited directly into your account upon maturity.

To exercise your discretionary rights to waive the principal amount due upfront, you can do so by referring to Question 5 or you may call our Contact Centre.

Redemption of Sukuk Prihatin will be upon maturity. The principal amount will be credited directly into your account if you chose not to waive your principal amount.

Yes, you may:

  • If you waive the principle amount it will be tax deductible for tax filing purposes. A tax voucher will be issued by the Government on the said amount waived at maturity and recognized as 'Government Approved' donation.
  • If you did not waive the principle amount, all profit from the Sukuk Prihatin will be tax exempted

Sukuk adalah Sijil Kewangan Islam yang patuh pada Syariah Islam.

Sukuk Prihatin akan dikeluarkan oleh Kerajaan Malaysia. Sukuk Prihatin ini akan digunakan oleh kerajaan untuk tujuan korporat umum, pembiayaan perbelanjaan pembangunan kerajaan dan / atau mana-mana inisiatif pasca pandemik.

Ini mungkin termasuk tetapi tidak terhad kepada inisiatif berikut:-

  • Mengeratkan hubungan dengan sekolah luar bandar, yang juga akan berfungsi sebagai hub untuk menghubungkan kampung-kampung berdekatan;
  • Geran penyelidikan untuk penyakit berjangkit; dan
  • Pembiayaan / geran untuk perusahaan mikro.

Tempoh langganan Sukuk Prihatin adalah pada 18 Ogos 2020 sehingga 17 September 2020. Walau bagaimanapun, tempoh jualan Sukuk Prihatin mungkin lebih singkat sekiranya jualan Sukuk mencecah RM500 juta dan tertakluk kepada keputusan Kerajaan.

Tempoh Sukuk Prihatin adalah selama dua tahun dan dijangka matang pada pada bulan September 2022.

Warganegara Malaysia yang berumur 18 tahun ke atas.

Untuk melanggan Sukuk Prihatin, anda boleh melayari laman web CIMB Clicks www.cimbclicks.com.my › pilih cara anda melanggan melalui JomPAY atau DuitNow dan ikuti langkah-langkah di bawah.

DuitNow JomPAY
  • Langkah 1: Log masuk ke CIMB Click › JomPAY
  • Langkah 2: Pilih pilihan pelaburan anda
    • Gunakan Biller Code: 14076 jika anda ingin mengetepikan jumlah pokok pada masa matang
    • Gunakan Biller Code: 28670 jika anda ingin melabur sahaja
  • Langkah 3: Isi Biller Code
  • Langkah 4: Masukkan nombor untuk dihubungi di bawah Ref-1
  • Langkah 5: Masukkan alamat e-mel anda di bawah Ref-2
  • Langkah 6: Pilih akaun yang anda ingin tolak
  • Langkah 7: Masukkan amaun untuk langganan (min RM500 dan gandaan RM100)
  • Langkah 8: Klik pada 'Transfer Money' untuk meneruskan
  • Langkah 1: Log masuk www.cimbclicks.com.my › Transfer Money
  • Langkah 2: Pilih pilihan pelaburan anda
    • Gunakan DuitNow ID: SUKUKP20SUM jika anda ingin mengetepikan jumlah pokok pada masa matang
    • Gunakan DuitNow ID: SUKUKP20PEL jika anda ingin melabur sahaja
  • Langkah 3: Isi DuitNow ID
  • Langkah 4: Pilih DuitNow untuk jenis pindahan
  • Langkah 5: Pilih 'Business Registration Number' untuk jenis ID DuitNow
  • Langkah 6: Pilih akaun yang anda ingin tolak
  • Langkah 7: Masukkan amaun untuk langganan (min RM500 dan dalam gandaan RM100)
  • Langkah 8: Masukkan nombor untuk dihubungi dibawah Transaction Instruction › Recipient Reference
  • Langkah 9: Masukkan alamat e-mel anda di bawah Transaction Instruction › Other Payment Details
  • Langkah 10: Klik pada 'Transfer Money' untuk meneruskan

Langganan Sukuk Prihatin hanya boleh didapati dalam talian melalui CIMB Clicks. Sekiranya anda ingin melanggan tetapi tidak mempunyai akses ke CIMB Clicks, anda boleh mendaftar untuk CIMB Clicks dengan mengikuti langkah-langkah di halaman ini.

Langganan minimum untuk Sukuk Prihatin ialah RM500.

Pemberitahuan melalui e-mel akan dihantar kepada semua pelanggan yang mengambil bahagian dalam langganan dalam 14 hari dari tarikh tutup Sukuk Prihatin.

Anda akan menerima bayaran balik anda dalam masa 5 hari dari tarikh tutup tempoh langganan Sukuk Prihatin dan anda akan diberitahu melalui e-mel.

Pembatalan atau pembayaran balik langganan tidak dibenarkan di bawah Sukuk Prihatin. Untuk maklumat lebih lanjut, sila kunjungi penjana.treasury.gov.my

Anda boleh menggunakan hak budi bicara anda untuk mengetepikan jumlah pokok yang perlu dibayar, sebagai sumbangan kepada mana-mana dana derma yang diluluskan oleh Kerajaan. Jika tidak, jumlah pokok akan dikreditkan terus ke dalam akaun anda setelah matang.

Untuk menggunakan hak budi bicara anda untuk mengetepikan jumlah pokok yang perlu dibayar , anda boleh melakukannya dengan merujuk kepada Soalan 5 atau anda boleh menghubungi Pusat Perhubungan kami.

Penebusan Sukuk Prihatin adalah semasa tempoh matang. Amaun pokok akan dikreditkan terus ke akaun anda sekiranya anda memilih untuk tidak mengetepikan jumlah pokok anda.

Ya, anda layak:

  • Sekiranya anda mengetepikan jumlah prinsipal, ia akan ditolak cukai untuk tujuan pemfailan cukai. Baucar cukai akan dikeluarkan oleh Kerajaan atas jumlah tersebut yang dibebaskan pada masa matang dan diiktiraf sebagai sumbangan 'Diluluskan oleh Kerajaan'.
  • Sekiranya anda tidak mengetepikan jumlah prinsip, semua keuntungan dari Sukuk Prihatin akan dikecualikan cukai