Jurnal Kanun

Just another WordPress site

Bersara tetapi Bekerja: Senario Pesara Malaysia pada Masa Hadapan

Siti Zaharah Jamaluddin

szjamal@um.edu.my

Foo Yuen Wah

yuenwah0129@gmail.com

Fakulti Undang-undang

Universiti Malaya

Abstrak

Malaysia dijangka akan menjadi sebuah negara tua pada tahun 2030. Pada masa yang sama jangka hayat manusia telah meningkat, maka adalah penting untuk warga emas agar dapat berdikari dari segi kewangan selepas bersara. Makalah ini menganalisis peruntukan undang-undang yang sedia ada berkaitan dengan persaraan dalam menangani isu ini. Makalah ini juga menunjukkan langkah yang telah diambil oleh kerajaan sebagai persediaan untuk menghadapi pertambahan populasi warga emas ini. Walau bagaimanapun, banyak perkara yang perlu dilakukan bagi memastikan pesara ini dapat berdikari dari segi kewangan apabila mereka bersara. Perancangan untuk persaraan seharusnya dimulakan seawal mungkin.

Kata kunci: persaraan, pesara, warga emas, kewangan, perancangan

Abstract

Malaysia is expected to be an ageing nation by the year 2030. Life expectancy will have increased, making it important for the aged to be financially independent after retirement. This article seeks to address this issue by analysing the existing legal framework on retirement. This article also illustrates the efforts taken by the government in preparation for the increase in the number of senior citizens. However, it is felt that more is needed to be done in order to ensure the senior citizens are financially independent after retirement. Planning for retirement must start as early as possible.

Keywords: retirement, retiree, senior citizens, life expectancy,  finance, planning


RUJUKAN

“13. 5.8 Juta Pencarum Terima Faedah” dlm. Berita Harian, 19 Julai 2011, http://w1.bharian.com.my/articles/5_8jutapencarumterimafaedah/[Capaian 21 Mac 2013].Angeline Chan, Mary Beth Ofstedal and Albert I. Hermalin, “Changes in Subjective and Objective Measures of Economic Well-being and Their Interrelationship among the Elderly in Singapore and Taiwan” dlm. Social Indicators Research 57: 263-300, 2002. Kluwer Academic Publishers.

Benjamin Chan Yin-Fah, Laily Paim, Jariah Masud, Tengku Aizan Hamid, “The Future of Malaysian Older Employees: an Exploratory Study” dlm. International Journal of Business and Management 5:4, 2010.

Chan. Y.F, et al., “The Future of the Malaysian Older Employees: an Exploratory Study” dlm. 5 International Journal of Business and Management 125 – 32, 2010.

Denton, Frant, Spencer, Byron G., 2008. “What is Retirement? A Review and Assessment of Alternative Concepts and Measures” dlm. QSEP Research Report. McMaster University, No. 427, http://hdl.handle.net/1041/66879, [Capaian 3 Januari 2013].

“Giving 2 Million People a Lifeline” dlm. New Straits Times, 22 Julai 2012, http://www.nst.com.my/opinion/columnist/giving-2-million-people-a lifeline-1.110892, [Capaian16 Oktober 2012].

Goh, L, “Wary of Retiring at 60” dlm. The Star Online, 8 Julai 2012, http://thestar.com.my/news/story.asp?file=/2012/7/8/nation/11621679&sec=nation, [Capaian 16 Oktober 2012].

Juan A. Lacomba, Francisco Lagos, “Population Aging and Legal Retirement Age” dlm. J Popul Econ 19: 507-19, 2006 dlm. http://www.nst.com.my/latest/malaysia-an-aging-nation-by-2030-1.78294#.

Laalitha Hunt, “Planning for Retirement” dlm. The Star Biz Online, 4 April 2009, http://biz.thestar.com.my/news/story.asp?file=/2009/4/4/business/3618400, diakses pada 31 Januari 2013. 9. 9.Rabieyah Ang Hajah,  “Socio-Economic Characteristics of the Elderly in Malaysia” 21st Population Census Conference, Kyoto,Jepun (Nov 2003).

“Kemiskinan Perlu Ditakrifkan Semula” dlm. Berita Harian , 25 Ogos 2012, http://w1.bharian.com.my/bharian/articles/Kemiskinanperluditakrifkansemula/Article/index_html [Capaian 14 Mac 2013].

“Malaysia an Aging Nation by 2030?” dlm. The New Straits Times, 17 April 2012.

“Population and Housing Census, Malaysia 2010 by the Department of Statistics, Malaysia” dlm. http://www.statistics.gov.my/portal/index.php?option=com_content&view=article&id=1215%3Apopulation-distribution-and-basic-demographic-characteristic-report-population-and-housing-census-malaysia-2010-updated-2972011&catid=130%3Apopulation-distribution-and-basic-demographic-characteristic-report-population-and-housing-census-malaysia-2010&Itemid=154&lang=en, , [Capaian 28 Oktober 2012].

“Private Pension Plan Launched” dlm. The Star, 19 July 2012, http://the star.com.my/nes/story.asp?file=/2012/7/19/nation/11691261&sec=nation, [Capaian 1 November 2012].

Pushing Back the Retirement Age” dlm.  AllMalaysian.info. http://http://allmalaysia.info/2012/03/23/pushing- back-the-retirement-age/, [Capaian13 Mac 2013].

Security Commission Malaysia, http//www.sc.com.my/main.asp?pageid=1156&menuid=1038&newsid=&linked=&type, [Capaian1 November 2012].

Suhaimi Abd Samad, Halimah Awang, Norma Mansor, 2010. “Population Ageing and Social Protection in Malaysia”.  International Conference on Population Ageing: Issues and Challenges, University of Malaya, Kuala Lumpur.

The World Fact Book by Central Intelligence Agency (CIA),  https://www.cia.gov/library/publications/the-world-factbook/geos/my.html [Capaian 14 Oktober 2012].

(Teks Penuh)

Hantar Maklum Balas Anda