This is a personal story, so it could get emotional for me.
When Liya uruskan pusaka Mak, I mistakenly transfered about RM14K to some one else account, read on to know the full story…
Before Liya start, to me the best is still prepare wisoyyah semasa masih hidup eventhough kita dah decide nak follow je faraid. Because function wisoyyah sebenarnya untuk lantik wasi/executor/pentadbir pusaka and selebihnya adalah permintaan.
First of all, Liya thankful sangat siblings mak (8 orang semua) sangat bekerjasama and mostly agree yang liya update info through whatsapp je.
Mak meninggal in 2021. Masa mco, masih ada banyak kekangan nak bergerak and honestly Liya and husband tengah fight to recover our financial after almost a year tak boleh keluar kerja sangat. It was a hard time for us.
Sebenarnya, if possible Liya taknak jadi admin untuk pusaka because ayah ada lagi. But because ayah nak focus kat project rumah bungalow dia, Liya agree juga la uruskan.
Lepas Mak Liya diagnosed cancer, liya ada sit down dgn Mak again pasal estate planning. Finally mak decided, dia tetap taknak tulis wisoyyah and bahagi ikut faraid je.
So the next step lepas Mak decide macam tu, liya pesan utk Mak list kan senarai hutang and senarai asset dia.
Mak meninggal 1 Sept 21 & kebumi 2 Sept. By 3rd Sept, Liya dah kena go through semua barang-barang Mak.
It was a very hard thing for me to do. It was too soon. Tapi atas sebab-sebab tertentu dan Liya pun dah tertekan, so Liya buat juga.
I was secretly crying. Because I was not allowed to even cry masa tu. Kalau I nangis, I akan kena marah and labelled as tak redha.
I know ada yang tertanya, kenapa cepat sangat Liya start process uruskan pusaka. Sebenarnya, keadaan yang memaksa.
Kalau liya yg uruskan untuk client Liya, memang cepat, because I’m not emotionally affected.
But, ni mak liya yang meninggal. I wish I was given the time and space I need to process and grief my mom. Dapat seminggu pun jadi la.
Alhamdulillah, Mak buat ape yg liya pesan. Liya jumpa senarai assets Mak & semua documents berkenaan Mak dah susun dalam fail.
And Mak takde hutang. Tapi memang as far as I know, Mak yang bagi duit kat orang, dia memang tak minta duit kat orang.
I found out, cuma asset movable je yang atas nama Mak. Asset movable Mak, semua cash in Tabung Haji, ASB & account banks.
Tanah yang Mak beli, bukan atas nama Mak. So technically, Liya tak boleh uruskan tanah tu.
So for the next step, Liya senaraikan semua waris and portion masing-masing.
Senarai waris2 Mak :
Suami
Anak perempuan – 1
Siblings lelaki – 4
Siblings perempuan – 4
So pembahagian adalah seperti berikut
(Untuk senang faham, Liya letak contoh RM100K)
Lepas tu, Liya bagi information ni pada semua waris-waris. It is in my belief yang semua pihak terlibat berhak tau hak masing-masing. Tak perlu berahsia.
Ada feedback yang cakap Liya silap because bagitahu. But to me no, duit tu dah memang hak waris-waris dalam senarai. Kenapa nak sorok?
Sebenarnya ramai siblings Mak yang nak letgo portion dorang to me. Tapi Liya prefer them to receive the money first to avoid extra paperwork on my side.
Lepas tu, Liya terus minta copy ic and bank statement, surat beranak semua waris. Sijil kematian my grandparents and one of my aunty yg dah meninggal earlier. In soft copy. Nasib baik sekarang dah boleh whatsapp je kan…
Mak dah buat penamaan Tabung Haji. So process kat sini dah simple. Ada dua penama, yang akhirnya penama pertama (my dad) agree untuk semua duit tabung haji Mak dimasukkan dalam acc Tabung Haji penama kedua (me).
Liya cuma penama tau, the person yang uruskan pembahagian pusaka je. Finally pembahagian pusaka ni, akan ikut faraid juga (remember, my mom takde hutang)
So my dad and me, pergi ke Tabung Haji nearest my house to signed all the documents at the counter.
Banyak kali orang counter tu tanya my dad betul ke nak transfer duit tu semua to me. Kat sini nak cakap la, I really dont appreciate the way the officer look at me. Maybe I yang sensitive, I dont know.
But the way she look at me tu, macam kesian sangat kat my dad kena serah semua kat I. Like I ada buat some thing pulak to my dad.
About 2-3 months later, duit dari Tabung Haji Mak, dah di transfer masuk my account. Because amount tu agak besar, we cancelled all our meeting for the day and me and my husband terus ke Hq Tabung Haji.
Alhamdulillah, kali ni officer yang assist kami sangat nice and membantu. No judgy look from her.
On the same morning, waris-waris yang ada account Tabung Haji atau Bank Islam terus dapat portion masing-masing from duit Tabung Haji tu. Because ada branch Bank Islam di HQ Tabung Haji.
My husband bawa cash ke Bank Islam dan bank in ikut list I prepare.
I pulak stay kat counter Tabung Haji untuk transfer duit ke account Tabung Haji waris-waris lain with the officer.
Lepas tu I compilekan semua resit I dah transfer tu, send the reciepts to respective waris and filekan for myself.
The next day, kitorang uruskan transfer duit Tabung Haji tu kepada waris lain pula.
Kat sini Liya ada buat silap, liya tertransfer about RM14K duit faraid ke account ex-supplier liya. I was working under duress, somehow masa tekan next, rupanya nama receiver tertukar.
I called Cimb minta tlg, not helpful at all.
I called Maybank (the receiver bank) and my ex supplier, alhamdulillah. Both so helpful. After about 1 month, duit tu di transfer balik ke account Cimb Liya.
Kalau tak dapat balik apa jadi?
Liya la kena ganti. Ni la risiko bila jadi admin. I highly don’t recommend jadi admin. You bear all the risk on your own and you might face unnecessary pressure. Lebih baik buat wasiat and namakan wasi/executor/pentadbir yang professional such as As-Salihin or Amanah Raya Berhad.
So sebulan nak tunggu process dapat balik duit tu, hari-hari anxiety fikir whether or not I have to replace the RM14K with my own money,
Some nights, I cried myself to sleep.
Lepas dah settle urusan pusaka from Tabung Haji, now time nak uruskan duit dalam ASB and account banks yang lain.
It was already the end of 2021.
By this time, honestly liya dah tak sanggup. Because atas sebab tertentu memang tertekan sangat.
Tapi husband hari-hari pujuk jangan giveup. It’s not the process yang susah, it’s the emotional injury yang buat rasa tak mampu.
Asalnya Liya nak hire lawyer untuk uruskan portion pusaka yang ni. But with the amount of money involved, and waris yang ramai, Liya tak mampu nak bayar lawyer tu.
Waris-waris Mak ada ramai and ada yang diluar kawasan, so cost lawyer boleh bertambah. Rasanya masa tu, most lawyers yang Liya tanya, quoted more than RM10K. RM10K yang I can’t afford masa tu.
How grateful I am most of waris-waris ok.
Ada yang suggest Liya guna duit pusaka yang from Tabung Haji untuk bayar lawyer. Tapi because ada seorang tak agree keluarkan belanja, so cadangan tu tinggal cadangan je.
Since tak jadi guna lawyer, Liya pilih untuk bagi pada Amanah Raya untuk uruskan. I just need to pay RM100 out of pocket to start the process.
First step sebelum dapat serahkan pada Amanah Raya ialah,
Liya kena compile semua documents untuk apply sijil faraid dari Mahkamah Syariah.
Kat sini memang makan masa. Because nak dapatkan sijil kematian and surat beranak tu ambil masa ye.
Ramai waris yang dah misplaced their surat beranak, so kena apply baru from JPN. Nak cari masa untuk ke JPN tu itself yang memakan masa sebenarnya. Because semua orang ada commitment sendiri. Ada waris mak yang dah berumur and kena tunggu anak-anak doranf cuti dan bawakan ke JPN etc.
Because of this, I compiledkan siap-siap documents waris-waris Liya in case Liya yang meninggal. Supaya mudah kerja waris and wasi Liya. Liya memang dah ada wisoyyah with As Salihin, so As Salihin will be my pentadbir harta pusaka.
Finally dah dapat ic, surat beranak, account bank semua waris and also sijil nikah mak and sijil kematian my aunty. Now kena sediakan akuan bersumpah yang granparents liya (parents my mom) dah meninggal sebelum mak pula.
Liya download borang berkenaan dari website mahkamah syariah and print out a few copies because tak boleh salah tulis tau. Isi that form, and submit ke mahkamah.
Time submit ni, kena pilih slot bicara.
Thankful to one of my aunty, Cikna, yang always with me and sanggup jadi saksi. So Liya dapat lengkap dua saksi, my own husband and my aunty. My aunty is the bigger saksi pasal dia adik my mom.
Actually staff counter mahkamah prefer my dad yang jadi saksi, but he was not available.
Sampai la hari bicara I think about 1-2 months later. So pagi tu kitorg bertiga, me, my hubby & my aunty dah sampai mahkamah.
Rupanya bicara tak ikut slot yang I applied, and my case jadi the final case.
So seharian la kitorang bertiga duduk dalam court tengok cases orang lain yang menginsafkan. That will be a story for another day kalau rajin.
Perbicaraan case liya senang. Cuma Liya la yang anxiety to the max. First time masuk court berdiri depan judge, dupdap jantung.
But I remember pakai baju hitam, pasal nak feeling macam lawyer.
I don’t remember exactly what the judge asked me. Probably berapa siblings mak and siapa yang dah meninggal.
My aunty pun ok je bila kena panggil jadi saksi, so my husband tak kena panggil. Sebab tu smooth.
Basically judge nak make sure semua waris ada dalam list yang Liya submit, and semua pengakuan Liya regarding waris adalah tepat.
Because trust me, that day itself ada case yang waris tak lengkap and waris lain cuba declare waris lain tak wujud.
About few weeks after bicara I think, I dapat sijil faraid tu. The feeling I get bila I dapat bukti yang my faraid calculation matches dengan sijil faraid from Mahkamah itself is priceless.
I know I kira tu betul, cuma I rasa puas hati that now it’s on a court document.
So now time to go to Amanah Raya Berhad. I went to the branch kat Shah Alam ni je.
Remember, semua documents kena clear. All the ic copies & bank statements kena jelas untuk mudahkan urusan.
Process dengan Amanah Raya ni pun memakan masa. Amanah Raya kena dapat clearance dari LHDN before they can proceed and bahagi duit pusaka. Kalau ada hutang LHDN, kena bayar dulu tau.
Alhamdulillah again, mak memang takde hutang LHDN. So a few months lepas dapat submit complete documents, selesai la dah pembahagian pusaka, dalam end of 2022 or mid 2023 camtu, tak ingat sangat the dates.
Upah untuk Amanah Raya tu, ditolak terus dari pusaka Mak. Total 5 figures fee tu, fyi.
All in all, berjaya settlekan dalam 2 tahun. Nasib baik la waris Mak semua dah adult.
Kalau yang meninggal is a breadwinner with small children, takleh imagine anak2 dan balu nak tunggu 2 tahun untuk selesaikan.
Tu je la catatan pengalaman liya.
Ada a few info kena cari balik such as borang apa yang liya guna untuk mahkamah syariah and Amanah Raya Berhad, so I might be updating this from time to time.
Content creator & Islamic financial planner who keeps things fun, relatable & practical. Juggling life, family & great deals—always with a smile!
And hey, if you ever want to chat about retirement savings or financial planning, just hit me up! Let’s chat! ☎️ 012 223 1623[WhatsApp link]
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