Annuar Musa stood up in State Assembly and slammed that Kelantan is the last state to implement Skim Takaful Kifalah. This is the way Annuar Musa thanked the state government effort for not robbing the poor but helping them, instead.

Skim Takaful Kifalah is a social security scheme for senior citizen. Any Kelantanese above the age of sixties can join this scheme. It was launch on the 7 February 2007 by Tuan Guru Dato’ Nik Abdul Aziz Nik Mat. This scheme is managed by The Menteri Besar Corporation with Tabung Amanah Tok Kenali carries the management responsibilities.

Upon death, the family will receive immediate payment of RM500.00 and balance RM2, 000.00 will follow soon after.

This scheme is open to all races and religions. Up to date 97,000 have join the scheme which totalling to 70% of qualified senior citizen in Kelantan. The breakdown according to races is 85% Malays, 10% Chinese, 2% Indians and the balance 3% are Siamese and others.

According to the record by Tabung Amanah Tok Kenali, average death is 350 persons per month. All families of the decease have received the payment according to schedule.

Recently we heard that Selangor is planning to launch a similar scheme. So, Kelantan is not the last state to launch it after all. From what we know, Kelantan is actually the first state to have such scheme. I leave that to the reader to comment.

Death can come pretty expensive for the poor. Furthermore, knowing that upon their death, at least some of the burdens are taken care of financially will help the senior citizen a lot.





Dato’ Husam delivering the first payment to the husband of the deceased.




Operation centre of Tabung Amanah Tok Kenali


Heading The Tabung Amanah Tok Kenali, Bro Saifuddin Nasution, former assemblyman of Lunas.