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SC & CO Chartered Accountants

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05/09/2026

Small business owners, this is worth paying attention to 👀

The newly announced Geran Sejahtera MADANI may support hawkers, small traders, night market sellers, and home-based businesses. But getting the grant is not the end, how you record it and how it is treated for tax also matter.

In this post, we break down who should watch for it, how to prepare, and what to do after receiving the money.
Official application details are still pending, so do follow official updates.

Save this post and share it with a business owner.

𝑺𝑪 & 𝑪𝑶 𝑪𝒉𝒂𝒓𝒕𝒆𝒓𝒆𝒅 𝑨𝒄𝒄𝒐𝒖𝒏𝒕𝒂𝒏𝒕𝒔
012-916 7770
Facebook: https://www.facebook.com/scco.chtacc
Instagram: https://shorturl.at/fiHLW
XHS: https://shorturl.at/oBEKV

29/08/2026

Self-employed but not sure what 𝐋𝐈𝐍𝐃𝐔𝐍𝐆 𝐊𝐄𝐍𝐃𝐈𝐑𝐈 really covers? This plan is not just about medical support. If a work-related accident happens, it may also help when you’re temporarily unable to work, permanently disabled, or when your family needs support.

Some plans can cost 𝐛𝐞𝐥𝐨𝐰 𝐑𝐌𝟓𝟎/𝐦𝐨𝐧𝐭𝐡, but the payout difference can be huge depending on the plan you choose.

Before you assume it’s “too little” or “not useful,” understand what you’re actually getting.

𝑺𝑪 & 𝑪𝑶 𝑪𝒉𝒂𝒓𝒕𝒆𝒓𝒆𝒅 𝑨𝒄𝒄𝒐𝒖𝒏𝒕𝒂𝒏𝒕𝒔
012-916 7770
Facebook: https://www.facebook.com/scco.chtacc
Instagram: https://shorturl.at/fiHLW
XHS: https://shorturl.at/oBEKV

01/08/2026

Did you know you can 𝐜𝐡𝐞𝐜𝐤 𝐒𝐒𝐌 𝐯𝐢𝐚 𝐓𝐨𝐮𝐜𝐡 '𝐧 𝐆𝐨? Just 3 steps! 🔎

New client wants to deal big? Check their SSM on TnG first!
𝐃𝐨𝐧'𝐭 𝐬𝐢𝐦𝐩𝐥𝐲 𝐭𝐫𝐮𝐬𝐭 people when they say "I've been in business for decades." Do a quick background check right inside your Touch 'n Go eWallet.

You can now use your TnG eWallet to check their official SSM details:
✅ Company status (Active or not)
✅ Director & shareholder names
✅ Official business address
✅ Basic financial background

Always double-check before you sign a contract or give credit terms. Save your business from getting scammed! 🛡️

If you have any questions about accounting services, feel free to contact us!

𝑺𝑪 & 𝑪𝑶 𝑪𝒉𝒂𝒓𝒕𝒆𝒓𝒆𝒅 𝑨𝒄𝒄𝒐𝒖𝒏𝒕𝒂𝒏𝒕𝒔
012-916 7770
Facebook: https://www.facebook.com/scco.chtacc
Instagram: https://shorturl.at/fiHLW
XHS: https://shorturl.at/oBEKV

24/07/2026

Noticed an extra LINDUNG 24 Jam deduction on your payslip? It mainly covers accidents outside working hours, and local employees may choose to stay in or opt out.

Don’t decide just because others are opting out. Check your personal accident cover, disability and income protection, emergency savings, and family responsibilities first.

If you have any questions about accounting services, feel free to contact us!

𝑺𝑪 & 𝑪𝑶 𝑪𝒉𝒂𝒓𝒕𝒆𝒓𝒆𝒅 𝑨𝒄𝒄𝒐𝒖𝒏𝒕𝒂𝒏𝒕𝒔
012-916 7770
Facebook: https://www.facebook.com/scco.chtacc
Instagram: https://shorturl.at/fiHLW
XHS: https://shorturl.at/oBEKV

17/07/2026

Many Malaysian parents still don’t know this: a child can open a KWSP / EPF account from age 14.

They don’t have to wait until their first full-time job. Starting early gives their savings more time to grow through regular contributions and EPF dividends.

If the child genuinely earns from freelance work, gig jobs or a small business and meets the i-Saraan requirements, they may receive a 20% incentive, capped at RM500 per year.

Important: opening an EPF account does not automatically qualify them for the incentive. Eligibility must be checked first.

If you have any questions about accounting services, feel free to contact us!

𝑺𝑪 & 𝑪𝑶 𝑪𝒉𝒂𝒓𝒕𝒆𝒓𝒆𝒅 𝑨𝒄𝒄𝒐𝒖𝒏𝒕𝒂𝒏𝒕𝒔
012-916 7770
Facebook: https://www.facebook.com/scco.chtacc
Instagram: https://shorturl.at/fiHLW
XHS: https://shorturl.at/oBEKV

10/07/2026

Customer not paying? Can you claim it as bad debt in your tax filing?
The answer is: 𝐩𝐨𝐬𝐬𝐢𝐛𝐥𝐲 𝐲𝐞𝐬, 𝐛𝐮𝐭 𝐩𝐫𝐨𝐨𝐟 𝐢𝐬 𝐢𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭.

In Malaysia, LHDN will usually check whether the debt came from your business, whether an invoice was issued, whether it was already included as company income, whether you have follow-up records, and whether it was properly treated in the accounts.

If the owner simply says “forget it, no need to pay”, it may not be deductible.�The safest way is to prepare a Bad Debt File for each customer and pass it to your accountant.

If you have any questions about accounting services, feel free to contact us!

𝑺𝑪 & 𝑪𝑶 𝑪𝒉𝒂𝒓𝒕𝒆𝒓𝒆𝒅 𝑨𝒄𝒄𝒐𝒖𝒏𝒕𝒂𝒏𝒕𝒔
012-916 7770
Facebook: https://www.facebook.com/scco.chtacc
Instagram: https://shorturl.at/fiHLW
XHS: https://shorturl.at/oBEKV

09/05/2026

Can you really check your credit record with just RM1? Yes, you can.

You don’t have to spend RM27.90 on a full CTOS report immediately. Start with RM1 to understand your CCRIS record first.

Before applying for a car loan, house loan, or credit card, check your record clearly so you won’t get rejected by the bank without knowing why.

18/03/2026

Government medical subsidy

Many people still don’t know this 👇�
The government actually provides medical support!�🏥
Skim Perubatan MADANI

💰 How much can you claim?
👨👩👧👦 Family: RM250�
👴 Single senior: RM125�
🧑 Single individual: RM75

🩺 What can you use it for?
✅ Fever & flu�
✅ Vomiting & diarrhea�
✅ Sprain & headache�
✅ Minor injuries
❌ Not included: Vaccines, health screening, supplements, etc.

Address

17-1, Jalan BS 1/3, Pusat Perniagaan Olive Hill, Bukit Serdang, Seksyen 1
Seri Kembangan
43300

Opening Hours

Monday	09:00 - 18:00
Tuesday	09:00 - 18:00
Wednesday	09:00 - 18:00
Thursday	09:00 - 18:00
Friday	09:00 - 18:00

Website

http://scco.my/

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