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    Manfaat Utama

    • Perlindungan dibolehkan sehingga umur 80 tahun.

    • Akhir tempoh kontrak keseluruhan Akaun Peserta akan dipulangkan + perkongsian keuntungan dari Akaun Peserta dan lebihan Akaun Khas Peserta.

    • Jika berlaku kematian, manfaat yang dibayar adalah jumlah perlindungan + Akaun Peserta Terkumpul + keuntungan Akaun Peserta.

    • Sekiranya berlaku keilatan kekal dan menyeluruh, jumlah perlindungan akan dibayar dalam 5 pembayaran. 10% daripada jumlah perlindungan serta amaun terkumpul dan keuntungan dari Akaun Peserta apabila sahnya keilatan, 10% pada ulang tahun pertama hingga tahun ketiga dan bakinya sebanyak 60% pada tahun keempat dari tarikh keilatan.

    • Nilai serahan Akaun Peserta terkumpul dari tahun kedua penyertaan. Boleh dikeluarkan tanpa perlu bayar balik.

    • Atas apa juga sebab, sekiranya anda tidak dapat meneruskan sumbangan, anda boleh memilih satu daripada pilihan di dalam ‘peruntukan bukan lucuthak’ untuk meneruskan penyertaan.


    Ketika mengendalikan Sistem SISMEP di Permatang Pauh. Sistem ini dapat mengenalpasti pengundi setiap rumah.

    Saturday, February 7, 2009


    These are only very basic preliminary findings - and may or may not prove significant. Much work remains to be done, and these are just some tiny excerpts. Here goes:

    The single largest shareholder in Litrak is construction mega-corporation Gamuda. According the LITRAK’s 2006 financial report, they own 36.27% of Litrak (according to a recent NST article defending the hike, this number is now 42%). The second largest shareholder is EPF, who own less than one fifth of that at 6.40%.

    (Incidentally, Gamuda’s share prices have recently skyrocketed - apparently due to a large Vietnamese contract that they won)

    I then looked at Gamuda’s 2006 financial report, which states its largest shareholder to be Generasi Setia (M) Sdn. Bhd, which holds 8.71%, while the next largest is again EPF, at a not too distant 7.71%.

    The financial report states that a major shareholder of Generasi Setia is one YAM Raja Dato’ Seri Eleena binti Raja Azlan Shah. YAM Raja DS Eleena is the daughter of the former Agong and reigning Sultan of Perak, DYMM Sultan Paduka Seri Sultan Azlan Shah.

    There being no website for Generasi Setia, I had to go to the Companies Commission to see how major ‘major’ was.

    According to the last available Generasi Setia (M) Sdn Bhd Company Report - for the year 2003 (isn’t it against the law not to submit accounts every year?) - out of 2 million company shares, YAM Raja DS Eleena owns 1,999,940.

    YAM Raja DS Eleena is thus essentially the sole owner of Generasi Setia, which is the largest shareholder of Gamuda, which is (by far) the largest shareholder of Litrak, which owns the LDP toll concession that was raised by 60%.

    Again, this may not be very significant information. Some might argue it is out of context. Nonetheless, as I understand the reports, they are facts.

    There’s a lot more researching of the available facts that needs to be done to get a fuller picture of what’s going on. But for now, I’ll print what I find as I sift through what’s out there.

    In the meantime, perhaps we can look at two other small facts that emerged.

    The Chairman of the Board of Directors for Litrak is one Tan Sri Dato’ Ir (Dr) Wan Abdul Rahman bin Haji Wan Yaacob. TSD Wan Abdul Rahman started work in the Public Works Department as a civil servant in 1964, became its Director General in 1990 and retired in 1996.

    1996 was also the year that Litrak signed a 33-year concession with the government for the construction of LDP (in April) as well as the year the company was listed on the stock exchange.

    On the Gamuda side, the Chairman of the Board of Directors is one Tan Sri Dato’ Ir Talha bin Haji Mohd Hashim. TSD Talha also worked in the Public Works Department - from 1959 to 1990. The last five years of that tenure was spent as Director General - presumably TSD Wan Abdul Rahman’s direct predecessor.

    Again, there may be nothing significant in these little facts by themselves. If there is a puzzle to be pieced together, we are barely beginning. The stuff I normally blog about is getting a tad redundant with all the great voices already out there, so Insyallah, I’ll try to keep on this to see if there’s anything fishy afoot.-