KUALA LUMPUR: Empat hal mutlak yg menyebabkan perkahwinan kanak-kanak bawah umur di Malaysia ialah pendapatan rendah isirumah, kurangnya intervensi sokongan bunda bapa, kekurangan jalan masuk terhadap pendidikan dan kekurangan jalan masuk terhadap pendidikan seksual dan kesihatan reproduktif (SRH).
Ini ialah yg akan terjadi kajian yg ditauliahkan oleh UNICEF Malaysia dan disediakan oleh Profesor Undang-undang Keluarga, Wanita dan Kanak-Kanak dari Universiti Kebangsaan Malaysia (UKM), Prof Datuk Noor Aziah Mohd Awal dan Mohd Al Adib Samuri, pensyarah dari Jabatan Syariah, Fakulti Pengajian Islam UKM.
Noor Aziah memberitahu Bernama di luar Forum bertajuk 'Kajian Perkahwinan Kanak-kanak: Analisis, Pendorong dan Cadangan' anjuran Institut Kajian Strategik dan Antarabangsa (ISIS) Malaysia dengan kerjasama UNICEF, di sini, pada Khamis.
Tidak wajib ada pengecualian bagi had umur dalam undang-undang untuk semua kerangka perundangan di Malaysia bagi orang-orang Islam, bukan Islam, Bumiputera Sabah dan Sarawak dan Orang Asli dari Semenanjung Malaysia.
"Gesaan yg butuh diberi keutamaan ialah dalam perundangan, mengiktiraf bahawa kerangka perundangan yg bersifat sokongan diharapkan untuk mengakhiri perkahwinan kanak-kanak, dan kerajaan juga wajib mengkaji berbagai cadangan untuk mengakhiri perkahwinan kanak-kanak di Malaysia," kata beliau.
Berdasarkan kajian yg menyelidiki perkahwinan kanak-kanak di kalangan orang-orang Islam, bukan Islam, masyarakat pribumi dan komuniti pelarian di Malaysia, Noor Aziah menggariskan empat cadangan untuk menangani hal mutlak yg mendorong perkahwinan kanak-kanak di Malaysia.
Yang pertama, Kementerian Pendidikan, Jabatan Kebajikan Masyarakat dan institusi zakat negeri, butuh mewujudkan dana khas untuk kanak-kanak dari keluarga berpendapatan rendah untuk membayar kos tambahan persekolahan.
Yang kedua, Lembaga Penduduk dan Pembangunan Keluarga Negara (LPPKN), Jabatan Kebajikan Masyarakat dan Jabatan Kemajuan Islam Malaysia (JAKIM) butuh mengusulkan seminar alias bengkel untuk bunda bapa kanak-kanak remaja
Ini untuk menekankan mengenai pentingnya penjagaan kanak-kanak di sekolah, memastikan kanak-kanak memiliki jalan masuk terhadap maklumat dan perkhidmatan berhubung isu-isu SRH dan menyediakan perkhidmatan kaunseling terhadap bunda bapa yg memiliki anak yg menghadapi persoalan Seksual dan Kesihatan Reproduktif.
Yang ketiga, Kementerian Pendidikan dan UNICEF Malaysia memastikan jalan masuk terhadap pendidikan berkualiti untuk kanak-kanak, menggubal dasar yg manjur untuk memperkasakan kanak-kanak perempuan hamil yg menghadiri persekolahan dan menambahbaik kualiti dan kebolehsediaan pendidikan bagi kanak-kanak perempuan untuk menangani kurangnya jalan masuk terhadap pendidikan dan isu keberadaan ke sekolah yg merosot.
Akhirnya, semua kementerian tergolong media wajib berhubungan bagi menangani isu kurangnya jalan masuk terhadap pendidikan SRH dengan melabur dalam pendidikan seksual dan pendidikan reproduktif untuk kanak-kanak, menyediakan pendidikan komprehensif pendidikan kesihatan berasaskan sekolah, menambah jalan masuk terhadap maklumat kesihatan untuk kanak-kanak.
Noor Aziah mengatakan pada masa akan datang, kajian dan penyelidikan butuh dijalankan mengenai perkahwinan kanak-kanak, tergolong data dan bukti kukuh mengenai kadar prevalen dengan statistik untuk memberikan angka dan sebab, dan ia juga wajib mengandungi data melibatkan keberadaan gadis bawah umur 18 tahun di hospital dan klinik kesihatan tempat selepas berkahwin.
Kajian jangka panjang mengenai kesan perkahwinan kanak-kanak dari sisi kesihatan, reproduksi, psikologi dan kesejahteraaan bisa menjana yg akan terjadi yg lebih tepat, kata beliau.
Pada 6 Julai, Timbalan Perdana Menteri Datuk Seri Dr Wan Azizah Wan Ismail mengatakan kerajaan sedang memperhalusi cadangan menaikkan umur minimum perkahwinan terhadap 18 tahun dan keputusan mengenai perkara itu akan dimuktamadkan dalam masa terdekat.
Dr Wan Azizah, yg juga Menteri Pembangunan Wanita, Keluarga dan Masyarakat, mengatakan berbagai kementerian dan agensi kerajaan telahpun memulakan peranan masing-masing untuk mengkaji perkara itu.
Baru-baru ini, kabar mengenai perkahwinan seorang lelaki tempatan berumur 41 tahun dengan kanak-kanak perempuan warga Thailand berumur 11 tahun sudah tular di media umum dan memunculkan kemarahan orang-orang ramai.
Dr Wan Azizah sebelum ini dilaporkan mengatakan pasangan itu dianggap tak berkahwin selama tiada bukti dikemukakan dan lelaki berkenaan disiasat di bawah elemen "sexual grooming" yg ialah satu kesalahan di bawah Akta Kesalahan-Kesalahan Seksual Terhadap Kanak-Kanak 2017.
Sumber : astroawani.com
The Best Term Life Insurance Policies |
Getting a time interval life protection is via far probably probably the foremost conventional and low cost approach to get life insurance. It can supply you and your household with a substantial monetary security web ought to the worst happen, and with minimum upfront charges – at the very least throughout the years you propose to be working. That’s facet of what makes the greatest time interval life insurance regulations so inexpensive. You only have them for a set time interval (or “term”), whilst you’re pretty younger and healthy.
Determining what protection goes to be greatest for you and your household merely requires a transient workout in self-discovery, and just a bit research. That’s simply due to the fact as soon as you opt for on the protection you in reality want, the one approach to discover the greatest deal on it's to request quotes from dissimilar insurers. With life insurance, everyone’s charges are distinctive – no longer totally in contrast to automobile insurance – and totally established on age, latest health, and a bunch of various variables.
I researched dozens of the higher life insurance providers, adding the higher picks from our general Best Life Insurance review, and in contrast their reputations, purchaser carrier reviews, and protection offerings, till I narrowed the checklist down to six – a totally manageable quantity of vast firms for anybody to get quotes from.
TIAA Life scored the maximum marks, adopted carefully via New York Life, which proved to have probably probably the foremost customizable plans. They every supply guaranteed renewability, which ability that whilst your time interval protection ends, you may just transfer over to a entire life insurance protection – so you’ll via no ability lose coverage. The remaining 4 (Amica Life, Transamerica, Lincoln Financial, and State Farm) also are value getting quotes from, since them all met The Simple Dollar’s excessive baseline standards.
The Simple Dollar’s Top Picks for the Best Term Life Insurance
Best Overall: TIAA Life
Most Customizable: New York Life
Honorable Mentions: Amica Life, Transamerica, Lincoln Financial, and State Farm
These six firms supply time interval life insurance nationwide, backed via years of journey and the monetary fortitude required to make nice on their promises. Their regulations are designed to be flexible, so that you may opt in your preliminary time interval on the start, but then have the possibility to resume or convert your protection to entire life insurance down the road.
How I Found the Best Term Life Insurance
To start, I only seemed at services that underwrote their very own policies. Insurance agents don’t in reality do something except set you up with real underwriters, so I just cut out the middlemen altogether. I also only seemed at services that sold protection in at the very least 40 states. This is simply due to the fact I needed to discover probably probably the foremost handy hints for probably probably the foremost people. Unfortunately, this intended leaving out a few vast regional and confidential providers, like USAA, that's only handy to members of the army and their families.
Be certain to test out your native life insurance options, alongside with the nationwide ones stated here.
I also removed firms that had plenty lower than an “Excellent” A.M. Best rating. In addition, I checked scores from Fitch, S&P, and Moody’s to make certain the verdict among them all was consistent. Financial potential is extreme whilst picking a time interval life insurance policy, simply due to the fact you’re going to have it for a lengthy time — possibly 30 years. You don’t desire to spend most of your running life purchasing a security web that may no longer be there whilst you in reality need it.
I seemed for customizable policies.
The greatest insurance firms have a sort of protection phrases and riders to go with from, so that you may customize your protection to your needs. Guaranteed renewability and the possibility to convert your time interval life plan to a entire life protection with out a brand new scientific examination have been musts, too.
Customer carrier was essential.
I also viewed every company’s purchaser carrier repute and on-line training resources. Filing any insurance declare is stressful, and life insurance claims especially so. A vast supplier goes to make the claims job speedy and straightforward, so your cherished ones can get their funds earlier than they even bounce feeling any monetary strain.
Representatives ought to also be capable to reply questions and assist you figure how a lot protection you in reality need, with out overselling you. Many firms have on-line resources to assist users with this as well, so I in contrast those instruments and purchaser pleasure ratings, alongside with handy coverage, to figure every company’s last ranking.
What about premiums?
Premium charges didn’t thing into the decision, simply due to the fact they’re virtually impossible to predict. Insurers supply everybody with a personalized quote, weighing a mess of perceived dangers which can be distinctive to you in rather various ways. The manufacturer that gives you the greatest fee may be one in all the extra dear concepts in your neighbor. That’s why it’s all the time greatest to get quotes from a couple of services on the protection concepts you desire earlier than making a purchase.
The Best Term Life Insurance Companies of 2018
TIAA Life — Best Overall
TIAA met and passed all our standards — it acquired the maximum probably score from Fitch and A.M. Best, contains bendy and especially customizable policies, as properly as on-line resources to assist first-time patrons navigate the job with ease. It gives 10-, 15-, 20-, and 30-year phrases to citizens of all 50 states. Available protection limits vary from $100,000 to $5 million.
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