Malaysia Travel Package - Malaysia Honeymoon Packages

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Itinerary

Price Category of Hotels 1st April - 30th Sep 1st Oct - s Mar (*) Standard On Request INR.30299 Send query Deluxe On Request On Request Send query Premium On Request On Request Send query

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Departures

Inclusion

Return Airfare Delhi-Kulalalumpur-Langkawi- Delhi  by Malaysian Airlines 1 night accomodation in Genting Highland 2 night accomodation in Kuala Lumpur 2 night accomodation in langkawi Daily breakfast at hotel Half day Round Island tour in Langkawi on SIC basis Sunset dinner cruise experience in Langkawi Return Apt transfers on SIC basis KUL - Genting- KUL transfers on SIC basis Half day  Kuala Lumpur city tour on SIC basis A day at the beach @ Port Dickson in Kuala Lumpur ONE WAY CABLE CAR PASS   Sunway Lagoon ALL park 20% Discount Voucher A Famosa Animal Safari 40% Discount Voucher Genting outdoor theme park pass Genting indoor theme park pass 1 Indian Dinner voucher in Genting Highlands 2 Indian Dinner  voucher in Palace D'India in Kuala Lumpur

Exclusion

Airport Taxes Visa Expenses of personal nature

Remarks

All prices quoted per person in INR on twin sharing basis. Rates subject to change without notice Rates are applicable for a minimum of two (2) persons travelling at one time. Rates are applicable for Indian market only. All prices quoted per person in Indian Rupees on twin sharing basis. Rates subject to change without notice Rates are applicable for a minimum of two (2) persons travelling at one time. Rates are applicable for indian market only. Rates are based on Standard category of rooms.

Send query Need Help? Send your query here. Call 91-11-41514110, 91-11-43-09-09-09 (100 Lines). Fax : 91-11-23738644

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sejarah berdirinya asuransi bumiputera

Bumiputera berdiri atas
prakarsa seorang guru
sederhana bernama M. Ng.
Dwidjosewojo - Sekretaris
Persatuan Guru-guru Hindia
Belanda (PGHB) sekaligus
Sekretaris I Pengurus Besar
Budi Utomo. Dwidjosewojo
menggagas pendirian
perusahaan asuransi karena
didorong oleh keprihatinan
mendalam terhadap nasib
para guru bumiputera
(pribumi).

Ia mencetuskan
gagasannya pertama kali di
Kongres Budi Utomo, tahun
1910. Dan kemudian
terealisasi menjadi badan
usaha sebagai salah satu
keputusan Kongres pertama
PGHB di Magelang, 12
Februari 1912..
Sebagai pengurus, selain M.
Ng. Dwidjosewojo yang
bertindak sebagai Presiden
Komisaris, juga ditunjuk
M.K.H. Soebroto sebagai
Direktur, dan M. Adimidjojo
sebagai Bendahara. Ketiga
orang inilah yang kemudian
dikenal sebagai "tiga
serangkai" pendiri
Bumiputera, sekaligus peletak
batu pertama industri asuransi
nasional Indonesia.

Tidak seperti perusahaan
berbentuk Perseroan Terbatas
(PT) - yang kepemilikannya
hanya oleh pemodal tertentu;
sejak awal pendiriannya
Bumiputera sudah menganut
sistem kepemilikan dan
kepenguasaan yang unik,
yakni bentuk badan usaha
"mutual" atau "usaha
bersama". Semua pemegang
polis adalah pemilik
perusahaan - yang
mempercayakan wakil-wakil
mereka di Badan Perwakilan
Anggota (BPA) untuk
mengawasi jalannya
perusahaan. Asas mutualisme
ini, yang kemudian dipadukan
dengan idealisme dan
profesionalisme pengelolanya,
merupakan kekuatan utama
Bumiputera hingga hari ini.

Perjalanan Bumiputera yang
semula bernama Onderlinge
Levensverzekering
Maatschappij PGHB (O.L. Mij.
PGHB) kini mencapai 9
dasawarsa. Sepanjang itu,
tentu saja, tidak lepas dari
pasang surut. Sejarah
Bumiputera sekaligus
mencatat perjalanan Bangsa
Indonesia. Termasuk,
misalnya, peristiwa sanering
mata uang rupiah di tahun
1965 - yang memangkas asset
perusahaan ini; dan bencana
paling hangat - multikrisis di
penghujung millenium kedua.

Di luar itu, Bumiputera juga
menyaksikan tumbuh,
berkembang, dan tumbangnya
perusahaan sejenis yang tidak
sanggup menghadapi ujian
zaman - mungkin karena
persaingan atau badai krisis.
Semua ini menjadi cermin
berharga dari lingkungan yang
menjadi bagian dari proses
pembelajaran untuk upaya
mempertahankan
keberlangsungan.

Dan sekarang, memasuki
millenium ketiga, Bumiputera
yang mengkaryakan sekitar
18.000 pekerja, melindungi
lebih dari 9.7 juta jiwa rakyat
Indonesia, dengan jaringan
kantor sebanyak 576 di
seluruh pelosok Indonesia;
tengah berada di tengah
capaian baru industri asuransi
Indonesia.

Sejumlah
perusahaan asing menyerbu
dan masuk menggarap pasar
domestik. Mereka menjadi
rekan sepermainan yang ikut
meramaikan dan bersama-
sama membesarkan industri
yang dirintis oleh pendiri
Bumiputera, 91 tahun lampau.
Bagi Bumiputera, iklim
kompetisi ini meniupkan
semangat baru; karena makin
menegaskan perlunya
komitmen, kerja keras, dan
profesionalisme. Namun
berbekal pengalaman panjang
melayani rakyat Indonesia
berasuransi hampir seabad,
menjadikan Bumiputera
bertekad untuk tetap menjadi
tuan rumah di negeri sendiri,
menjadi asuransi Bangsa
Indonesia - sebagaimana visi
awal pendirinya.

Bumiputera
ingin senantiasa berada di
benak dan di hati rakyat
Indonesia.

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financial planing tool

To help you plan your finances
better, Bank Negara Malaysia
has developed the following
tools:


This pocket money book (Buku
Wang Saku) helps young
children and teenagers to
create their own spending
plan by recording money
inflows, expenses and savings.
These books are available
through the School Adoption
Programme (SAP) by banking
institutions or can be
purchased at RM1 each from
major bookstores nationwide.
The electronic version of
these books are also available
at DuitSaku.com, a fun and
educational site targeted at
school children.
Related
Information
Managing your
money step by
step
How to invest
your money
Choosing the
right account
How to make a
banking
complaint
What Else Can I
Do?
Read our FAQs
on managing
your money
Download the
booklet on
managing your
money
Use our budget
calculator
Email this to a
friend
Bookmark this
page
Give us your
feedback

This book is designed to help
adults manage their personal
household income, expenses,
savings and investments. It
also features a planning and
budgeting section which is
considered an important
aspect of good financial
planning for adults.This
booklet is available for sale at
the following bookstores:
- Bank Negara Malaysia Money
Museum, Kuala Lumpur
- Bank Negara Malaysia
Branches (Pulau Pinang, Johor
Bahru, Kuala Terengganu,
Kuching, and Kota Kinabalu)
- MPH Bookstores nationwide
- Pustaka Mukmin (Jalan Tuanku
Abdul Rahman, KL)
- Pustaka Minerva (Jalan
Tuanku Abdul Rahman, KL)
- University Malaya bookstore
Our budget calculator enables
you to store and retrieve your
budget, and hence allows you
to actively manage your
expenses.

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bank info plan your finances

Whether you earn a little or a
lot, it ’s always wise to budget
and plan your finances
smartly. Common mistakes
that most people would make
when it comes to money is
getting too deep in debt,
paying bills late, and not
knowing how to save for the
future. You can avoid making
these mistakes by always
keeping track of where your
money goes and knowing what
you can spend on.
Here are some steps that you
can use for managing your
money wisely

Step 1. Set your financial goals

Financial goals reflect things
you want to do with your
money within a certain period
of time. Setting these goals
will help you understand the
value of money and
encourage prudent spending.
Be sure to know how long you
should plan for each goal.
Are they short, medium or
long term goals? Which one of
the following are your
financial goals?
Buying a house
Buying a car
Starting a family
Child’s education
plan
Traveling
Medical and Health Insurance
S

Step 2. Know Where money goes to

After setting your goals, start
developing a spending plan so
that it ’s easier to achieve your
goals. Remember that your
aim is not to cut your budget
but to note the direction of
your spending.
With this you will know:
Where and how you spend
your money
How much you owe monthly
How much is left at the end of
the month

Step 3. Asses your spending habits

If you find that you have
nothing left at the end of the
month, it ’s time to assess your
spending habits. Look through
your list of expenses and
determine if they are a
necessity or luxury item.
Look out for the following
warning signals of bad
spending habits that may lead
to real money problems:
You use your savings to pay
current bills
You take new loans to pay for
old ones
You owe more than you earn
You buy on impulse even when
you know you cannot afford it

Step 4. Write down your spending plan

A spending plan can help you
manage your finances. You
can also target areas where
spending is out of control and
also set a clear path for
saving.
You can start making your
own spending plan by using
this simple guide:
Establish your monthly total
income
Add up your total expenses
including fixed monthly bills,
loan repayments, rentals and
daily living expenses, etc
Put aside a fixed sum of
money to meet emergencies
or seasonal expenses (e.g.
school fees, road tax,
insurance renewals)

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