Issues With Pusaka

03/06/2026

Assalamualaikum..
Takaful Hibah

Somehow or rather bila headline is “Hibah dicabar” or “tiada bidang kuasa” or “wasiat dicabar”, people will flock and flaunt and wag this. Lagi best benda yg sensasi.

To me that is the beauty of the law, it is dynamic. Dan kesemua perkara yg dicabar, the lawyers will come up for the arguments to or for the cause of action. Bijak lawyer2!!! Yes I am biased as I am married to one 😊.

Back to the issue , which is the article. I will not comment or discuss on the facts or the decisions or the process. Because all of that is not within our control.

BUT I will state as to what is in our control.
What we can do.
And by “we” I mean us as the customers, the ones who have the coverage and intentions as to why we take it up in the first place.

There are a lot more other issues than just kematian serentak, kematian right after, kematian penerima hibah etc .

There is also : I intend for the hibah takaful to pay for my hutang first but I buat hibah. Pay out of takaful on TPD etc.

Is there a way to provide for all these permutations?
There is.
With as-Salihin Trustee Berhad.
Creating a trust over it with assignment of the Certificate to the trustee company. A perfect solution insyaallah. The sky, and the sum coverage, is or are the limit.

Click here for your consultation :

http://www.wassap.my/60123142474/trustovertakaful

https://www.utusan.com.my/nasional/2026/05/hibah-takaful-mahkamah-syariah-tiada-bidang-kuasa/

Sebarang pertikaian mengenai hibah takaful yang ditawarkan oleh pengendali takaful tidak boleh dilakukan di mahkamah syariah kerana ia tertakluk di bawah bidang kuasa mahkamah sivil.

25/11/2025

Faraid ni lepas bayar hutang ya …
Bukan hutang kita buat2 tak nampak , or tak tahu …

“𝗔𝗹𝗹𝗮𝗵 𝗽𝗲𝗿𝗶𝗻𝘁𝗮𝗵𝗸𝗮𝗻 𝗸𝗮𝗺𝘂 𝗺𝗲𝗻𝗴𝗲𝗻𝗮𝗶 (𝗽𝗲𝗺𝗯𝗮𝗵𝗮𝗴𝗶𝗮𝗻 𝗵𝗮𝗿𝘁𝗮 𝗽𝘂𝘀𝗮𝗸𝗮 𝘂𝗻𝘁𝘂𝗸) 𝗮𝗻𝗮𝗸-𝗮𝗻𝗮𝗸 𝗸𝗮𝗺𝘂, 𝗶𝗮𝗶𝘁𝘂 𝗯𝗮𝗵𝗮𝗴𝗶𝗮𝗻 𝘀𝗲𝗼𝗿𝗮𝗻𝗴 𝗮𝗻𝗮𝗸 𝗹𝗲𝗹𝗮𝗸𝗶 𝗺𝗲𝗻𝘆𝗮𝗺𝗮𝗶 𝗯𝗮𝗵𝗮𝗴𝗶𝗮𝗻 𝗱𝘂𝗮 𝗼𝗿𝗮𝗻𝗴 𝗮𝗻𝗮𝗸 𝗽𝗲𝗿𝗲𝗺𝗽𝘂𝗮𝗻.”
(𝗔𝗻-𝗡𝗶𝘀𝗮: 𝟭𝟭)

Ramai melihat angka, tapi sedikit yang meneliti hikmah di sebalik perintah ini.
Islam menetapkan faraid bukan untuk membezakan, tetapi untuk menyempurnakan keadilan berdasarkan tanggungjawab setiap insan yang pasti akan dipersoalkan kelak.

Jom kita fahami dan hayati hikmahnya di pautan ini:

🔗 https://as-salihin.com/hak-tanggungjawab-dalam-pembahagian-pusaka-secara-faraid/

🔗 https://www.muftiwp.gov.my/ms/artikel/al-kafi-li-al-fatawi/4153-al-kafi-1590-mengapakah-bahagian-lelaki-lebih-banyak-daripada-bahagian-perempuan-di-dalam-pembahagian-pusaka

25/11/2025

Assalamualaikum

Perkabaran kenalan dan pewasiat meninggal dunia lepas satu, satu lagi diterima.

Semuga allahyarham2 diletakkan bersama hambanya yg beriman, aamiin.

Semuga urusan keluarga yg ditinggalkan dipermudahkan, aamiin.

❤️❤️❤️

19/09/2025

I love planning for couples with adopted child or children.
I admire their big hearts …
So it is our job to make sure that their love is protected, and at the same time they are protected too …

http://www.wassap.my/60123142474/anakku

http://www.wassap.my/60123142474/anakku

08/09/2025

Assalamualaikum

I love long drives. There’s nothing else to do and no multi tasking. So eyes on the road and mind on the next person to you or on the phone.

Topic is a bit hard but need to be asked.

Hutang. Hutang yg nampak , ie hire purchase, rumah, credit card etc.

Hutang yg tuan punya diri sahaja yg tahu. Samada hutang orang kepada tuan punya diri atau hutang tuan punya diri kepada org lain. Both are equally important. The first, samada nak dituntut atau utk di halalkan.. , the second utk dilunaskan.

Yg lagi penting : tolonglah catitkan hutang tersebut.
Whether we go old school , but very solid, which is writing it down in a document and keep it safe.
Or the new way, in your phone or cloud or whatever. But just make sure your family can access it when the time comes!

Orang nak menuntut hutang ni … errr they can be quite creative. I have heard a fair share of it.

So , ladies and gentlemen, let’s protect our loved ones. Write it down. Please.

http://www.wassap.my/60123142474/familikutersayang

Wassap.my

06/09/2025

Assalamualaikum & selawat ke atas nabi saw…



Banyak betul pandangan, argument, pengesahanlah, dicabarlah etc etc on HIBAH di social media, and even in conversation.

Ada ramai service provider out there, So let’s do an idiot guide on it ya, but only on the documentation.
What are we supposed to look for.

The Must Haves for Hibah :
1. A written legal document that says your niat over your specific asset to a specific beneficiary.

2. The same legal document that states what happens if the beneficiary passes on first before you, and he or she signs it too to acknowledge that.

3. Witnesses to that.

4. Now this is crucial : YOU must make sure that the legal document can be executed without a hassle when you pass on.
This is a must question to your service provider.
“Nanti bila I dah tiada, mcm mana aset ni akan ditransfer to my beneficiary ni?”
“Siapa yg akan buat kerja nya?”
“Susah ke senang?”
“Ada cara senang tak?”

Rest assured, that kalau ada yg nak mencabar the Hibah, anyone can do so at the appropriate place which is the Court. We can’t satisfy everyone , and not everyone likes what you wish eventhough that asset belongs to you in the first place. And we can’t control , kita tak dapat mengawal nafsu dan kehendak org lain. Jadi kalau ada yg nak mencabar, they can do so. Orang pun dah makin errr ‘bijak’ …

BUT WHAT IS IMPORTANT, can the Hibah which is done stand against the challenge in Court?

5. So the next question is , can your service provider help protect your wish and stand for it in Court if ever the Hibah is challenged in Court?

6. Last but not least, Can the service provider survive you, to make sure number 4, and 5, can be done.

Ada ke service provider yang boleh do all that?
Ada.

Semuga perkongsian ini bermanafaat.

http://www.wassap.my/60123142474/hibahku

http://www.wassap.my/60123142474/hibahku

http://www.wassap.my/60123142474/hibahku

Wassap.my

18/08/2025

Dah tengok,
Tekan ni : http://www.wassap.my/60123142474/wasiatku

16/08/2025

Assalamualaikum

A friend asked me, “why did a lawyer responded hmm when i asked about as-salihin?”

I smiled and responded “Why ya?” Of which he could not answer because he didn’t ask.

Tak kenal maka tak cinta.
I rather have feedbacks actually rather than an ambiguous hmmm

What is as-salihin’s position in this side of the world.

Kami tak take over kerja lawyer, we use panel lawyers to represent our clients in courts, and what ever legal matters that needs to be done.

Jadi di manakah posisi as-Salihin dalam pentadbiran pusaka?

It is a lawyer’s purview to obtain Probate or LA. Generally, the lawyer then will hand over the Order to the appointed Wasi or Administrator who is an individual.

The lawyer’s job is done.

The administration hard work akan bermula.
Di sinilah as-Salihin bertindak, if so appointed.

Wasi, iaitu orang yg dilantik ini bertanggungjawab utk :
1) call in all liquid assets
2) deal dgn semua loan yg arwah ada
3) memastikan pinjaman2 dapat dilunaskan dari duit2 yg ada,
4) final income tax clearance
5) pastikan all transfers are executed
6) pastikan all hutang akhirat dibayar
7) deal dgn semua waris
8)deal with puspakom and jpj for vehicles
9) deal dgn hutang lain like saman, coway, astro, maintenance condo etc etc etc
10) usage statement
Kerja selesai bila semua akaun tertutup, hartanah di bawah nama waris bukan bawah nama pentadbir, kereta bertukar nama, LHDN keluar surat income tax cleared.
11) etc etc etc etc mengikut aset liabiliti waris

Si wasi ni kena buat semuaaaaaa diatas on top of handling his or her own job, family, life etc etc. Contrary to what is generally understood, pentadbiran pusaka tidak berakhir dgn dapatnya Perintah Probet / Grant of Probate / LA / Letter of Administration. It starts with that.

Di sinilah yg kami tawarkan kami yg menjadi wasi. The whole company at your service. Yes, we are not perfect, but we shall deal with everything. These are the things yg lawyer tak buat.

Jadi lawyers, we are not replacing you, we can’t do so. But we are completing the Orders that you obtained.

Nak tahu lebih lanjut, do pm me ..
Saya pun qualified as a lawyer, cuma tak berlesen sahaja 😍😇

http://www.wassap.my/60123142474/lawyer

P/s this posting has been approved by my tuan lawyer. 😍

Wassap.my

12/08/2025

Assalamualaikum

“Maria, I’ll write a blank cheque, sign it and leave it to my kids”

A good idea isn’t it?
Tapi anak tahu ke nak isi jumlah berapa dalam cek tu, if not it will bounce and charge you or anak for it (which I cannot remember).

But can the blank cheque tukar nama kereta you?
Krik krik.
Can it, like , settle off your housing loan with the bank?
And after that, can the blank cheque tukar nama rumah you to your loved ones?

(By tulis blank cheque pun you dah tahu which era this was. I have been an active advisor for estate planning since 2011 kan ..
dah tak banyak ada cheques, but masih ada.)

The same questions go to those yg cakap “Maria, i bagi password internet banking to my anak2”

It is good. But it is short term.
And bear in mind ya, ni duit pusaka, it falls under hukum hakam yg tertentu. Jangan sampai salah makan duit. It stays. Jadi darah daging.

Effort and thinking to plan dah ada.
Let’s make it right. Let’s make it proper. Let’s make it effective.

http://www.wassap.my/60123142474/mywish

Wassap.my

11/08/2025

Assalamualaikum

Yg pertama :
“Wasiat saya tulis sendirilah puan, nanti bila saya meninggal waris saya buatlah. Boleh?”

Boleh sahaja!!

Tapi lepas tu waris nak buat apa dengan wasiat tu?
Krik krik

Yang kedua , ni selalu dtg dari kawan2 kesayangan kami:
“Tak apa Maria. Tak perlu buat wasiat, Nanti I pesan dengan anak, when something happens to me, the kids are to look for you / Nadzim”.
And utk yg tak mengenali kami ..
“Nanti you carilah kawan / peguam I ni …”

Masalahnya adalah Maria / Nadzim / kawan / Peguam / etc, kesemuanya ada expiry date masing2 .. what if expiry datenya sebelum, semasa atau selepas …

I would have to say, tahniah first for the thoughts to plan for when something happens to you.
Cuma let’s make it better and effective, in black & white, and with an entity that survives . Not just any sdn bhd, but a trustee company.

And if you wish to appoint a person to become the Executor, so be it. The trustee company becomes a safety net for all those circumstances that is not within our control like death, nyanyuk, merajuk ..

Jadi pesanan yg kita tinggalkan adalah “sayang / anak2, when something happens to me, call this number. Tell them so, and they will lead you on what to do next. Mereka akan bantu insyaallah.”

Itulah pesanan penuh dgn kasih sayang …
Eh masuk habuk pulak mata ni pagi-pagi ..

http://www.wassap.my/60123142474/pesananku

Wassap.my