Effective Date: 1 September 2024
Authority: Self-Employment Social Security Act 2017 [Act 789]
Issued By: Minister of Human Resources, Sim Chee Keong
Purpose
These regulations establish mandatory social security contribution rates for self-employed hawkers and traders in Malaysia.
Key Points:-
1. Applicability
This applies to individuals conducting self-employment activities as hawkers or traders.
.
Must possess valid licenses or approvals for street or market trading from:
Local Government Act 1976
Local Government Ordinance 1961 (Sabah)
Local Authorities Ordinance 1996 (Sarawak)
2. Contribution Structure – – as shown in the table
3. Coverage Details
Coverage period: 12 consecutive months
Contributions payable to SOCSO or authorized self-employment social security agents
Hawkers/traders can select their preferred income tier for contribution
Business Advisory
Immediate Actions Required
1. License Verification
Ensure all trading licenses and permits are current and valid
Prepare copies for submission to SOCSO if requested
2. Financial Planning
Review monthly earnings to select the appropriate contribution tier
Budget for annual contribution payment
Consider monthly savings to meet contribution requirements
3. Registration and Compliance
Register with SOCSO if not already done
Choose the preferred contribution tier based on earnings
Set up payment mechanism for contributions
Important Notes
1. License Expiration During Coverage
Coverage continues until the end of the 12-month period, even if the license expires
Must submit renewed license to SOCSO upon request
Maintain valid licenses throughout the coverage period
2. Financial Considerations
Contributions are based on selected income tier, not actual earnings
Choose the tier that best reflects business income
Consider seasonal variations in income when selecting a tier
Best Practices
1. Record Keeping
Maintain copies of all licenses and SOCSO-related documents
Keep receipts of contribution payments
Document any correspondence with SOCSO
2. Business Planning
Include social security contributions in the annual business budget
Review selected tier annually to ensure it matches business growth
Consider the impact on cash flow when selecting the contribution tier
3. Compliance Management
Set reminders for renewal dates of licenses
Keep track of contribution due dates
Maintain updated contact information with SOCSO
Risk Mitigation
1. Documentation
Keep copies of all relevant documents
Maintain proof of payments
Document any changes in business status
2. Financial Management
Set aside contribution amounts monthly
Consider maintaining emergency funds for contribution payments
Review business insurance needs regularly
Conclusion
This regulation represents a significant step in providing social security coverage for self-employed hawkers and traders.
Compliance is mandatory, and early preparation will ensure the smooth implementation of these requirements.
新条例概述 – 2024年自雇社会保障条例
生效日期：2024 年 9 月 1 日
授权：2017年自雇社会保障法令 [第 789 号法案］
颁布者： 人力资源部部长沈志强
目的：
本条例规定了马来西亚自营职业小贩和商人的强制性社会保障缴款率。
要点：
1. 适用范围
本条例适用于从事自营职业活动的小贩或商贩
必须持有下列有效的街头或市场交易执照或批准书：
1976 年地方政府法令
1961 年地方政府法令（沙巴）
1996 年地方政府法令（砂拉越）
2. 缴款结构 – – 如表所示
3. 保障详情
保障期： 连续 12 个月
供款須向社會保障辦事處或獲授權的自僱社會保障代理繳付
企业家/贸易商可选择自己喜欢的收入等级进行缴款
业务咨询
需要立即采取的行动
1. 执照或批准书的核查
确保所有交易执照或批准书都是当前有效的
根据要求准备副本，提交给 SOCSO
2. 财务规划
审查每月收入，选择适当的缴款等级
年度缴款预算
考虑每月储蓄以满足缴费要求
3. 注册与合规
如果尚未向 SOCSO 注册，请向 SOCSO 注册
根据收入选择首选缴款等级
建立缴款支付机制
重要说明
1. 保险期间的执照或批准书到期
即使执照或批准书过期，保险期仍持续到 12 个月期满为止
必须根据要求向 SOCSO 提交更新的执照或批准书
在整个保险期间保持有效的执照或批准书
2. 财务考虑因素
缴款基于所选的收入等级，而非实际收入
选择最能反映业务收入的等级
在选择等级时考虑收入的季节性变化
最佳实践
1. 保存记录
保存所有执照或批准书和与 SOCSO 相关文件的副本
保存缴款收据
记录与 SOCSO 的任何通信
2. 业务规划
将社会保障缴款纳入年度业务预算
每年审查所选等级，确保其与业务增长相匹配
在选择缴费等级时考虑对现金流的影响
3. 合规管理
设置执照或批准书更新日期提醒
跟踪缴款到期日
与 SOCSO 保持最新联系信息
风险缓解
1. 文件
保存所有相关文件的副本
保存付款证明
记录业务状况的任何变化
2. 财务管理
每月预留缴款金额
考虑为缴款保留应急基金
定期审查企业保险需求
结论 。
该条例是为自营职业小贩和商贩提供社会保障的重要一步。
遵守规定是强制性的，及早准备将确保这些规定的顺利实施。
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