{"id":7634,"date":"2025-01-18T08:47:01","date_gmt":"2025-01-18T00:47:01","guid":{"rendered":"https:\/\/adventus-consult.com\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/kumpulan-wang-simpanan-pekerja\/"},"modified":"2025-06-15T19:36:37","modified_gmt":"2025-06-15T11:36:37","slug":"kumpulan-wang-simpanan-pekerja","status":"publish","type":"page","link":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/kumpulan-wang-simpanan-pekerja\/","title":{"rendered":"Kumpulan Wang Simpanan Pekerja"},"content":{"rendered":"<style>.kb-row-layout-id7634_3971cf-a9 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id7634_3971cf-a9 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id7634_3971cf-a9 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:80%;margin-left:auto;margin-right:auto;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id7634_3971cf-a9 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id7634_3971cf-a9 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id7634_3971cf-a9 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id7634_3971cf-a9 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column7634_48cac3-95 > .kt-inside-inner-col,.kadence-column7634_48cac3-95 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column7634_48cac3-95 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column7634_48cac3-95 > .kt-inside-inner-col{flex-direction:column;}.kadence-column7634_48cac3-95 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column7634_48cac3-95 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column7634_48cac3-95{position:relative;}@media all and (max-width: 1024px){.kadence-column7634_48cac3-95 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column7634_48cac3-95 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column7634_48cac3-95\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id7634_695500-8b > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id7634_695500-8b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id7634_695500-8b > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 2fr) minmax(0, 1fr);}.kb-row-layout-id7634_695500-8b > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id7634_695500-8b > .kt-row-column-wrap{grid-template-columns:minmax(0, 2fr) minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id7634_695500-8b > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id7634_695500-8b > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(1 of *:not(style)){order:2;}.kb-row-layout-id7634_695500-8b > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(2 of *:not(style)){order:1;}.kb-row-layout-id7634_695500-8b > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(3 of *:not(style)){order:12;}.kb-row-layout-id7634_695500-8b > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(4 of *:not(style)){order:11;}.kb-row-layout-id7634_695500-8b > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(5 of *:not(style)){order:22;}.kb-row-layout-id7634_695500-8b > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(6 of *:not(style)){order:21;}.kb-row-layout-id7634_695500-8b > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(7 of *:not(style)){order:32;}.kb-row-layout-id7634_695500-8b > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(8 of *:not(style)){order:31;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id7634_695500-8b alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column7634_18c81d-e2 > .kt-inside-inner-col,.kadence-column7634_18c81d-e2 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column7634_18c81d-e2 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column7634_18c81d-e2 > .kt-inside-inner-col{flex-direction:column;}.kadence-column7634_18c81d-e2 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column7634_18c81d-e2 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column7634_18c81d-e2{position:relative;}@media all and (max-width: 1024px){.kadence-column7634_18c81d-e2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column7634_18c81d-e2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column7634_18c81d-e2\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.kwsp.gov.my\/\" target=\"_blank\" rel=\"noopener\" title=\"Kumpulan Wang Simpanan Pekerja\">Kumpulan Wang Simpanan Pekerja<\/a> (KWSP), ialah skim simpanan persaraan nasional Malaysia. Ia direka untuk membantu pekerja dalam sektor awam swasta dan tidak berpencen menabung untuk persaraan mereka. Ia dikawal selia oleh Akta Kumpulan Wang Simpanan Pekerja 1991 dan diselia oleh Lembaga KWSP.  <\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column7634_55441e-6c > .kt-inside-inner-col,.kadence-column7634_55441e-6c > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column7634_55441e-6c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column7634_55441e-6c > .kt-inside-inner-col{flex-direction:column;}.kadence-column7634_55441e-6c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column7634_55441e-6c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column7634_55441e-6c{position:relative;}@media all and (max-width: 1024px){.kadence-column7634_55441e-6c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column7634_55441e-6c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column7634_55441e-6c\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/adventus-consult.com\/wp-content\/uploads\/2023\/07\/epf.png\"><img decoding=\"async\" width=\"155\" height=\"155\" src=\"https:\/\/adventus-consult.com\/wp-content\/uploads\/2023\/07\/epf.png\" alt=\"Kumpulan Wang Simpanan Pekerja\" class=\"wp-image-2420\" srcset=\"https:\/\/adventus-consult.com\/wp-content\/uploads\/2023\/07\/epf.png 155w, https:\/\/adventus-consult.com\/wp-content\/uploads\/2023\/07\/epf-150x150.png 150w\" sizes=\"(max-width: 155px) 100vw, 155px\" \/><\/a><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\">Ciri-ciri Utama KWSP<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Simpanan Persaraan: Kedua-dua majikan dan pekerja mencarum setiap bulan ke akaun KWSP pekerja.<\/li>\n\n\n\n<li>Dividen: Dana dilaburkan, dan pencarum mendapat dividen tahunan yang diisytiharkan oleh KWSP.<\/li>\n\n\n\n<li>Pilihan Pengeluaran: Ahli boleh mengeluarkan dana untuk tujuan seperti persaraan, perumahan, pendidikan, perbelanjaan perubatan, atau pada umur 55, 60 tahun, atau apabila hilang upaya.<\/li>\n\n\n\n<li>Pilihan Patuh Syariah: Ahli boleh memilih skim simpanan patuh Syariah.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Kewajipan Majikan untuk KWSP<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Majikan mempunyai tanggungjawab undang-undang khusus mengenai caruman KWSP pekerja mereka:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">1. <strong>Mendaftar dengan KWSP<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Majikan mesti mendaftar dengan KWSP selepas mengambil pekerja dan membuka akaun KWSP untuk setiap pekerja.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">2. <strong>Sumbangan<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Caruman majikan dan pekerja adalah wajib dan berdasarkan peratusan gaji bulanan pekerja.\n<ul class=\"wp-block-list\">\n<li>Caruman Pekerja: Biasanya 11% daripada gaji mereka (tertakluk kepada perubahan berkanun).<\/li>\n\n\n\n<li>Caruman Majikan: Berbeza-beza tetapi biasanya bermula pada 12% atau 13% daripada gaji bulanan pekerja (bergantung pada tahap pendapatan pekerja).<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Caruman dikira berdasarkan jumlah gaji pekerja, yang termasuk gaji, elaun, bonus, komisen dan faedah lain.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">3. <strong>Garis Masa Pembayaran<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Majikan perlu membuat caruman KWSP sebelum 15hb bulan berikutnya.<\/li>\n\n\n\n<li>Lewat atau tidak membayar boleh mengakibatkan penalti dan tindakan undang-undang.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">4. <strong>Penyerahan Rekod<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Majikan hendaklah mengemukakan Borang A KWSP berserta butiran caruman bagi setiap pekerja setiap bulan. Ini biasanya dilakukan secara dalam talian melalui sistem <a href=\"https:\/\/secure.kwsp.gov.my\/employer\/employer\/\" target=\"_blank\" rel=\"noopener\" title=\"Portal i-Akaun Majikan KWSP\">i-Akaun<\/a> . <\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">5. <strong>Menyediakan Slip Gaji<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Majikan dikehendaki menyediakan slip gaji yang jelas menunjukkan potongan yang dibuat untuk KWSP.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">6. <strong>Pematuhan terhadap Perubahan Kadar<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Majikan mesti melaraskan caruman apabila KWSP mengumumkan perubahan pada kadar, seperti semasa inisiatif kerajaan atau kemas kini bajet.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">7. <strong>Penalti bagi Ketidakpatuhan<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ketidakbayar, pembayaran lewat atau penyerahan yang tidak tepat boleh mengakibatkan:\n<ul class=\"wp-block-list\">\n<li>Denda: Sehingga RM10,000 setiap kesalahan.<\/li>\n\n\n\n<li>Penjara: Bagi pelanggaran berat.<\/li>\n\n\n\n<li>Caj Faedah: Atas bayaran tertunggak.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Sumbangan Sukarela<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Majikan boleh menyumbang melebihi kadar berkanun, yang boleh berfungsi sebagai faedah tambahan untuk pekerja. Pekerja juga mempunyai pilihan untuk menyumbang lebih banyak secara sukarela. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mengapa Pematuhan Penting<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kegagalan mematuhi peraturan KWSP bukan sahaja mengakibatkan penalti undang-undang malah boleh merosakkan reputasi majikan dan kepercayaan pekerja. Memastikan sumbangan tepat pada masanya dan tepat membantu pekerja menjamin masa depan kewangan mereka. <\/p>\n\n\n<style>.kb-row-layout-id7634_1630f4-6c > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id7634_1630f4-6c > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id7634_1630f4-6c > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id7634_1630f4-6c > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id7634_1630f4-6c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id7634_1630f4-6c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id7634_1630f4-6c alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column7634_9c9f16-a9 > .kt-inside-inner-col{border-top:2px solid var(--global-palette1, #3182CE);}.kadence-column7634_9c9f16-a9 > .kt-inside-inner-col,.kadence-column7634_9c9f16-a9 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column7634_9c9f16-a9 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column7634_9c9f16-a9 > .kt-inside-inner-col{flex-direction:column;}.kadence-column7634_9c9f16-a9 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column7634_9c9f16-a9 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column7634_9c9f16-a9{position:relative;}@media all and (max-width: 1024px){.kadence-column7634_9c9f16-a9 > .kt-inside-inner-col{border-top:2px solid var(--global-palette1, #3182CE);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column7634_9c9f16-a9 > .kt-inside-inner-col{border-top:2px solid var(--global-palette1, #3182CE);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column7634_9c9f16-a9\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id7634_f7438a-a6 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id7634_f7438a-a6 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id7634_f7438a-a6 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id7634_f7438a-a6 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id7634_f7438a-a6 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id7634_f7438a-a6 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id7634_f7438a-a6 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column7634_79ee09-dd > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.kadence-column7634_79ee09-dd > .kt-inside-inner-col{border-top:1px solid var(--global-palette1, #3182CE);border-right:1px solid var(--global-palette1, #3182CE);border-bottom:1px solid var(--global-palette1, #3182CE);border-left:1px solid var(--global-palette1, #3182CE);}.kadence-column7634_79ee09-dd > .kt-inside-inner-col,.kadence-column7634_79ee09-dd > .kt-inside-inner-col:before{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}.kadence-column7634_79ee09-dd > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column7634_79ee09-dd > .kt-inside-inner-col{flex-direction:column;}.kadence-column7634_79ee09-dd > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column7634_79ee09-dd > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column7634_79ee09-dd{position:relative;}.kadence-column7634_79ee09-dd, .kt-inside-inner-col > .kadence-column7634_79ee09-dd:not(.specificity){margin-top:var(--global-kb-spacing-sm, 1.5rem);}@media all and (max-width: 1024px){.kadence-column7634_79ee09-dd > .kt-inside-inner-col{border-top:1px solid var(--global-palette1, #3182CE);border-right:1px solid var(--global-palette1, #3182CE);border-bottom:1px solid var(--global-palette1, #3182CE);border-left:1px solid var(--global-palette1, #3182CE);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column7634_79ee09-dd > .kt-inside-inner-col{border-top:1px solid var(--global-palette1, #3182CE);border-right:1px solid var(--global-palette1, #3182CE);border-bottom:1px solid var(--global-palette1, #3182CE);border-left:1px solid var(--global-palette1, #3182CE);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column7634_79ee09-dd\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading\"><a href=\"https:\/\/adventus-consult.com\/employers-statutory-obligations\/\" title=\"Kewajipan berkanun majikan\">Kewajipan berkanun majikan<\/a><\/h2>\n\n\n\n<!-- Page-list plugin v.6.3 wordpress.org\/plugins\/page-list\/ -->\n<ul class=\"page-list \">\n<li class=\"page_item page-item-7639\"><a href=\"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/pembangunan-sumber-manusia-berhad-hrd-corp\/\">Pembangunan Sumber Manusia Berhad (HRD Corp)<\/a><\/li>\n<li class=\"page_item page-item-7641\"><a href=\"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/pertubuhan-keselamatan-sosial-perkeso-perkeso\/\">Pertubuhan Keselamatan Sosial \u2013 Perkeso\/PERKESO<\/a><\/li>\n<li class=\"page_item page-item-7643\"><a href=\"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/rang-undang-undang-ordinan-buruh-sarawak-pindaan-2024\/\">Rang Undang-undang Ordinan Buruh Sarawak (Pindaan) 2024<\/a><\/li>\n<li class=\"page_item page-item-7645\"><a href=\"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/eis-sistem-insurans-pekerjaan\/\">EIS \u2013 Sistem Insurans Pekerjaan<\/a><\/li>\n\n<\/ul>\n<\/div><\/div>\n\n\n<style>.kadence-column7634_37aec5-d3 > .kt-inside-inner-col,.kadence-column7634_37aec5-d3 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column7634_37aec5-d3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column7634_37aec5-d3 > .kt-inside-inner-col{flex-direction:column;}.kadence-column7634_37aec5-d3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column7634_37aec5-d3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column7634_37aec5-d3{position:relative;}@media all and (max-width: 1024px){.kadence-column7634_37aec5-d3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column7634_37aec5-d3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column7634_37aec5-d3\"><div class=\"kt-inside-inner-col\"><\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kumpulan Wang Simpanan Pekerja (KWSP), ialah skim simpanan persaraan nasional Malaysia. Ia direka untuk membantu pekerja dalam sektor awam swasta dan tidak berpencen menabung untuk persaraan mereka. Ia dikawal selia oleh Akta Kumpulan Wang Simpanan Pekerja 1991 dan diselia oleh Lembaga KWSP. Ciri-ciri Utama KWSP Kewajipan Majikan untuk KWSP Majikan mempunyai tanggungjawab undang-undang khusus mengenai&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":6215,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-7634","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Kumpulan Wang Simpanan Pekerja (KWSP), ialah skim simpanan persaraan nasional Malaysia. Ia direka untuk membantu pekerja dalam sektor awam swasta dan tidak berpencen menabung untuk persaraan mereka. Ia dikawal selia oleh Akta Kumpulan Wang Simpanan Pekerja 1991 dan diselia oleh Lembaga KWSP. Ciri-ciri Utama KWSP Simpanan Persaraan: Kedua-dua majikan dan pekerja mencarum setiap bulan ke\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"google-site-verification\" content=\"Ipw4XA3z7IG0uj7Oe9HSvInA8cXdlMIS4-zHU-sNl2k\" \/>\n\t<meta name=\"msvalidate.01\" content=\"Ipw4XA3z7IG0uj7Oe9HSvInA8cXdlMIS4-zHU-sNl2k\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/kumpulan-wang-simpanan-pekerja\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 5.0.1.1\" \/>\n\t\t<meta property=\"og:locale\" content=\"ms_MY\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Adventus Business Consult\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Kumpulan Wang Simpanan Pekerja | Adventus Business Consult\" \/>\n\t\t<meta property=\"og:description\" content=\"Kumpulan Wang Simpanan Pekerja (KWSP), ialah skim simpanan persaraan nasional Malaysia. Ia direka untuk membantu pekerja dalam sektor awam swasta dan tidak berpencen menabung untuk persaraan mereka. Ia dikawal selia oleh Akta Kumpulan Wang Simpanan Pekerja 1991 dan diselia oleh Lembaga KWSP. Ciri-ciri Utama KWSP Simpanan Persaraan: Kedua-dua majikan dan pekerja mencarum setiap bulan ke\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/kumpulan-wang-simpanan-pekerja\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/adventus-consult.com\/wp-content\/uploads\/2026\/02\/cropped-adventus-logo-90-canvas-180.png\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/adventus-consult.com\/wp-content\/uploads\/2026\/02\/cropped-adventus-logo-90-canvas-180.png\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2025-01-18T00:47:01+08:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2025-06-15T11:36:37+08:00\" \/>\n\t\t<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/adventusconsult\/\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary\" \/>\n\t\t<meta name=\"twitter:site\" content=\"@adventusconsult\" \/>\n\t\t<meta name=\"twitter:title\" content=\"Kumpulan Wang Simpanan Pekerja | Adventus Business Consult\" \/>\n\t\t<meta name=\"twitter:description\" content=\"Kumpulan Wang Simpanan Pekerja (KWSP), ialah skim simpanan persaraan nasional Malaysia. Ia direka untuk membantu pekerja dalam sektor awam swasta dan tidak berpencen menabung untuk persaraan mereka. Ia dikawal selia oleh Akta Kumpulan Wang Simpanan Pekerja 1991 dan diselia oleh Lembaga KWSP. Ciri-ciri Utama KWSP Simpanan Persaraan: Kedua-dua majikan dan pekerja mencarum setiap bulan ke\" \/>\n\t\t<meta name=\"twitter:creator\" content=\"@adventusconsult\" \/>\n\t\t<meta name=\"twitter:image\" content=\"https:\/\/adventus-consult.com\/wp-content\/uploads\/2023\/07\/epf.png\" \/>\n\t\t<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/hr-pintar\\\/kewajipan-berkanun-majikan\\\/kumpulan-wang-simpanan-pekerja\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/#listItem\",\"position\":2,\"name\":\"Sumber Perniagaan Kecil\",\"item\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/hr-pintar\\\/#listItem\",\"name\":\"HR Lebih Pintar: Alat, Petua &amp; Strategi untuk Mengurus Pasukan\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"#listItem\",\"name\":\"You are here:\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/hr-pintar\\\/#listItem\",\"position\":3,\"name\":\"HR Lebih Pintar: Alat, Petua &amp; Strategi untuk Mengurus Pasukan\",\"item\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/hr-pintar\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/hr-pintar\\\/kewajipan-berkanun-majikan\\\/#listItem\",\"name\":\"Kewajipan berkanun majikan\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/#listItem\",\"name\":\"Sumber Perniagaan Kecil\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/hr-pintar\\\/kewajipan-berkanun-majikan\\\/#listItem\",\"position\":4,\"name\":\"Kewajipan berkanun majikan\",\"item\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/hr-pintar\\\/kewajipan-berkanun-majikan\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/hr-pintar\\\/kewajipan-berkanun-majikan\\\/kumpulan-wang-simpanan-pekerja\\\/#listItem\",\"name\":\"Kumpulan Wang Simpanan Pekerja\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/hr-pintar\\\/#listItem\",\"name\":\"HR Lebih Pintar: Alat, Petua &amp; Strategi untuk Mengurus Pasukan\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/hr-pintar\\\/kewajipan-berkanun-majikan\\\/kumpulan-wang-simpanan-pekerja\\\/#listItem\",\"position\":5,\"name\":\"Kumpulan Wang Simpanan Pekerja\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/hr-pintar\\\/kewajipan-berkanun-majikan\\\/#listItem\",\"name\":\"Kewajipan berkanun majikan\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/#organization\",\"name\":\"Adventus Business Consult\",\"description\":\"Memperkasa PKS untuk Berjaya dalam Ekonomi Digital\",\"url\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/\",\"email\":\"hello@adventus-consult.com\",\"telephone\":\"+60321087008\",\"foundingDate\":\"2014-03-05\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/adventus-consult.com\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/adventus-consult.png\",\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/hr-pintar\\\/kewajipan-berkanun-majikan\\\/kumpulan-wang-simpanan-pekerja\\\/#organizationLogo\",\"width\":512,\"height\":512,\"caption\":\"Adventus Business Consult\"},\"image\":{\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/hr-pintar\\\/kewajipan-berkanun-majikan\\\/kumpulan-wang-simpanan-pekerja\\\/#organizationLogo\"},\"sameAs\":[\"https:\\\/\\\/twitter.com\\\/adventusconsult\",\"https:\\\/\\\/www.instagram.com\\\/adventusconsult\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/adventus-business-consult\\\/\"],\"address\":{\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/#postaladdress\",\"@type\":\"PostalAddress\",\"streetAddress\":\"B-5-8, Plaza Mont Kiara,, Mont Kiara\",\"postalCode\":\"50480\",\"addressLocality\":\"Kuala Lumpur\",\"addressCountry\":\"MY\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/hr-pintar\\\/kewajipan-berkanun-majikan\\\/kumpulan-wang-simpanan-pekerja\\\/#webpage\",\"url\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/hr-pintar\\\/kewajipan-berkanun-majikan\\\/kumpulan-wang-simpanan-pekerja\\\/\",\"name\":\"Kumpulan Wang Simpanan Pekerja | Adventus Business Consult\",\"description\":\"Kumpulan Wang Simpanan Pekerja (KWSP), ialah skim simpanan persaraan nasional Malaysia. Ia direka untuk membantu pekerja dalam sektor awam swasta dan tidak berpencen menabung untuk persaraan mereka. Ia dikawal selia oleh Akta Kumpulan Wang Simpanan Pekerja 1991 dan diselia oleh Lembaga KWSP. Ciri-ciri Utama KWSP Simpanan Persaraan: Kedua-dua majikan dan pekerja mencarum setiap bulan ke\",\"inLanguage\":\"ms-MY\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/artikel\\\/hr-pintar\\\/kewajipan-berkanun-majikan\\\/kumpulan-wang-simpanan-pekerja\\\/#breadcrumblist\"},\"datePublished\":\"2025-01-18T08:47:01+08:00\",\"dateModified\":\"2025-06-15T19:36:37+08:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/#website\",\"url\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/\",\"name\":\"Adventus Business Consult\",\"description\":\"Memperkasa PKS untuk Berjaya dalam Ekonomi Digital\",\"inLanguage\":\"ms-MY\",\"publisher\":{\"@id\":\"https:\\\/\\\/adventus-consult.com\\\/ms\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO Pro -->\r\n\t\t<title>Kumpulan Wang Simpanan Pekerja | Adventus Business Consult<\/title>\n\n","aioseo_head_json":{"title":"Kumpulan Wang Simpanan Pekerja | Adventus Business Consult","description":"Kumpulan Wang Simpanan Pekerja (KWSP), ialah skim simpanan persaraan nasional Malaysia. Ia direka untuk membantu pekerja dalam sektor awam swasta dan tidak berpencen menabung untuk persaraan mereka. Ia dikawal selia oleh Akta Kumpulan Wang Simpanan Pekerja 1991 dan diselia oleh Lembaga KWSP. Ciri-ciri Utama KWSP Simpanan Persaraan: Kedua-dua majikan dan pekerja mencarum setiap bulan ke","canonical_url":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/kumpulan-wang-simpanan-pekerja\/","robots":"max-image-preview:large","keywords":"","webmasterTools":{"google-site-verification":"Ipw4XA3z7IG0uj7Oe9HSvInA8cXdlMIS4-zHU-sNl2k","msvalidate.01":"Ipw4XA3z7IG0uj7Oe9HSvInA8cXdlMIS4-zHU-sNl2k","miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/kumpulan-wang-simpanan-pekerja\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/adventus-consult.com\/ms\/artikel\/#listItem","position":2,"name":"Sumber Perniagaan Kecil","item":"https:\/\/adventus-consult.com\/ms\/artikel\/","nextItem":{"@type":"ListItem","@id":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/#listItem","name":"HR Lebih Pintar: Alat, Petua &amp; Strategi untuk Mengurus Pasukan"},"previousItem":{"@type":"ListItem","@id":"#listItem","name":"You are here:"}},{"@type":"ListItem","@id":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/#listItem","position":3,"name":"HR Lebih Pintar: Alat, Petua &amp; Strategi untuk Mengurus Pasukan","item":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/","nextItem":{"@type":"ListItem","@id":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/#listItem","name":"Kewajipan berkanun majikan"},"previousItem":{"@type":"ListItem","@id":"https:\/\/adventus-consult.com\/ms\/artikel\/#listItem","name":"Sumber Perniagaan Kecil"}},{"@type":"ListItem","@id":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/#listItem","position":4,"name":"Kewajipan berkanun majikan","item":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/","nextItem":{"@type":"ListItem","@id":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/kumpulan-wang-simpanan-pekerja\/#listItem","name":"Kumpulan Wang Simpanan Pekerja"},"previousItem":{"@type":"ListItem","@id":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/#listItem","name":"HR Lebih Pintar: Alat, Petua &amp; Strategi untuk Mengurus Pasukan"}},{"@type":"ListItem","@id":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/kumpulan-wang-simpanan-pekerja\/#listItem","position":5,"name":"Kumpulan Wang Simpanan Pekerja","previousItem":{"@type":"ListItem","@id":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/#listItem","name":"Kewajipan berkanun majikan"}}]},{"@type":"Organization","@id":"https:\/\/adventus-consult.com\/ms\/#organization","name":"Adventus Business Consult","description":"Memperkasa PKS untuk Berjaya dalam Ekonomi Digital","url":"https:\/\/adventus-consult.com\/ms\/","email":"hello@adventus-consult.com","telephone":"+60321087008","foundingDate":"2014-03-05","logo":{"@type":"ImageObject","url":"https:\/\/adventus-consult.com\/wp-content\/uploads\/2022\/12\/adventus-consult.png","@id":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/kumpulan-wang-simpanan-pekerja\/#organizationLogo","width":512,"height":512,"caption":"Adventus Business Consult"},"image":{"@id":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/kumpulan-wang-simpanan-pekerja\/#organizationLogo"},"sameAs":["https:\/\/twitter.com\/adventusconsult","https:\/\/www.instagram.com\/adventusconsult\/","https:\/\/www.linkedin.com\/company\/adventus-business-consult\/"],"address":{"@id":"https:\/\/adventus-consult.com\/ms\/#postaladdress","@type":"PostalAddress","streetAddress":"B-5-8, Plaza Mont Kiara,, Mont Kiara","postalCode":"50480","addressLocality":"Kuala Lumpur","addressCountry":"MY"}},{"@type":"WebPage","@id":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/kumpulan-wang-simpanan-pekerja\/#webpage","url":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/kumpulan-wang-simpanan-pekerja\/","name":"Kumpulan Wang Simpanan Pekerja | Adventus Business Consult","description":"Kumpulan Wang Simpanan Pekerja (KWSP), ialah skim simpanan persaraan nasional Malaysia. Ia direka untuk membantu pekerja dalam sektor awam swasta dan tidak berpencen menabung untuk persaraan mereka. Ia dikawal selia oleh Akta Kumpulan Wang Simpanan Pekerja 1991 dan diselia oleh Lembaga KWSP. Ciri-ciri Utama KWSP Simpanan Persaraan: Kedua-dua majikan dan pekerja mencarum setiap bulan ke","inLanguage":"ms-MY","isPartOf":{"@id":"https:\/\/adventus-consult.com\/ms\/#website"},"breadcrumb":{"@id":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/kumpulan-wang-simpanan-pekerja\/#breadcrumblist"},"datePublished":"2025-01-18T08:47:01+08:00","dateModified":"2025-06-15T19:36:37+08:00"},{"@type":"WebSite","@id":"https:\/\/adventus-consult.com\/ms\/#website","url":"https:\/\/adventus-consult.com\/ms\/","name":"Adventus Business Consult","description":"Memperkasa PKS untuk Berjaya dalam Ekonomi Digital","inLanguage":"ms-MY","publisher":{"@id":"https:\/\/adventus-consult.com\/ms\/#organization"}}]},"og:locale":"ms_MY","og:site_name":"Adventus Business Consult","og:type":"article","og:title":"Kumpulan Wang Simpanan Pekerja | Adventus Business Consult","og:description":"Kumpulan Wang Simpanan Pekerja (KWSP), ialah skim simpanan persaraan nasional Malaysia. Ia direka untuk membantu pekerja dalam sektor awam swasta dan tidak berpencen menabung untuk persaraan mereka. Ia dikawal selia oleh Akta Kumpulan Wang Simpanan Pekerja 1991 dan diselia oleh Lembaga KWSP. Ciri-ciri Utama KWSP Simpanan Persaraan: Kedua-dua majikan dan pekerja mencarum setiap bulan ke","og:url":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/kumpulan-wang-simpanan-pekerja\/","og:image":"https:\/\/adventus-consult.com\/wp-content\/uploads\/2026\/02\/cropped-adventus-logo-90-canvas-180.png","og:image:secure_url":"https:\/\/adventus-consult.com\/wp-content\/uploads\/2026\/02\/cropped-adventus-logo-90-canvas-180.png","article:published_time":"2025-01-18T00:47:01+08:00","article:modified_time":"2025-06-15T11:36:37+08:00","article:publisher":"https:\/\/www.facebook.com\/adventusconsult\/","twitter:card":"summary","twitter:site":"@adventusconsult","twitter:title":"Kumpulan Wang Simpanan Pekerja | Adventus Business Consult","twitter:description":"Kumpulan Wang Simpanan Pekerja (KWSP), ialah skim simpanan persaraan nasional Malaysia. Ia direka untuk membantu pekerja dalam sektor awam swasta dan tidak berpencen menabung untuk persaraan mereka. Ia dikawal selia oleh Akta Kumpulan Wang Simpanan Pekerja 1991 dan diselia oleh Lembaga KWSP. Ciri-ciri Utama KWSP Simpanan Persaraan: Kedua-dua majikan dan pekerja mencarum setiap bulan ke","twitter:creator":"@adventusconsult","twitter:image":"https:\/\/adventus-consult.com\/wp-content\/uploads\/2023\/07\/epf.png","twitter:label1":"Written by","twitter:data1":"admin","twitter:label2":"Est. reading time","twitter:data2":"2 minutes"},"aioseo_meta_data":{"post_id":"7634","title":null,"description":null,"keywords":null,"keyphrases":{"focus":{"keyphrase":"kwsp","score":58,"analysis":{"keyphraseInTitle":{"score":3,"maxScore":9,"error":1},"keyphraseInDescription":[],"keyphraseLength":{"score":9,"maxScore":9,"error":0,"length":1},"keyphraseInURL":{"score":1,"maxScore":5,"error":1},"keyphraseInIntroduction":{"score":9,"maxScore":9,"error":0},"keyphraseInSubHeadings":{"score":9,"maxScore":9,"error":0},"keyphraseInImageAlt":{"score":3,"maxScore":9,"error":1},"keywordDensity":{"type":"high","score":0,"maxScore":9,"error":1}}},"additional":[]},"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"WebPage","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"seo_analyzer_scan_date":"2026-05-13 11:22:35","breadcrumb_settings":null,"limit_modified_date":false,"reviewed_by":"0","open_ai":"{\"title\":{\"suggestions\":[],\"usage\":0},\"description\":{\"suggestions\":[],\"usage\":0}}","ai":null,"created":"2025-06-15 08:29:25","updated":"2026-05-13 11:22:35","focus_keyword":"kwsp","additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\tYou are here:\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u203a<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/adventus-consult.com\/ms\/artikel\/\" title=\"Sumber Perniagaan Kecil\">Sumber Perniagaan Kecil<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u203a<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/\" title=\"HR Lebih Pintar: Alat, Petua &amp; Strategi untuk Mengurus Pasukan\">HR Lebih Pintar: Alat, Petua &amp; Strategi untuk Mengurus Pasukan<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u203a<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/\" title=\"Kewajipan berkanun majikan\">Kewajipan berkanun majikan<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u203a<\/span><span class=\"aioseo-breadcrumb\">\n\tKumpulan Wang Simpanan Pekerja\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"You are here:","link":""},{"label":"Sumber Perniagaan Kecil","link":"https:\/\/adventus-consult.com\/ms\/artikel\/"},{"label":"HR Lebih Pintar: Alat, Petua &amp; Strategi untuk Mengurus Pasukan","link":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/"},{"label":"Kewajipan berkanun majikan","link":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/"},{"label":"Kumpulan Wang Simpanan Pekerja","link":"https:\/\/adventus-consult.com\/ms\/artikel\/hr-pintar\/kewajipan-berkanun-majikan\/kumpulan-wang-simpanan-pekerja\/"}],"taxonomy_info":[],"featured_image_src_large":false,"author_info":{"display_name":"admin","author_link":"https:\/\/adventus-consult.com\/ms\/author\/admin\/"},"comment_info":0,"_links":{"self":[{"href":"https:\/\/adventus-consult.com\/ms\/wp-json\/wp\/v2\/pages\/7634","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adventus-consult.com\/ms\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/adventus-consult.com\/ms\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/adventus-consult.com\/ms\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/adventus-consult.com\/ms\/wp-json\/wp\/v2\/comments?post=7634"}],"version-history":[{"count":4,"href":"https:\/\/adventus-consult.com\/ms\/wp-json\/wp\/v2\/pages\/7634\/revisions"}],"predecessor-version":[{"id":7657,"href":"https:\/\/adventus-consult.com\/ms\/wp-json\/wp\/v2\/pages\/7634\/revisions\/7657"}],"up":[{"embeddable":true,"href":"https:\/\/adventus-consult.com\/ms\/wp-json\/wp\/v2\/pages\/6215"}],"wp:attachment":[{"href":"https:\/\/adventus-consult.com\/ms\/wp-json\/wp\/v2\/media?parent=7634"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}