{"id":4904,"date":"2026-09-10T17:52:38","date_gmt":"2026-09-10T09:52:38","guid":{"rendered":"https:\/\/crossthinktank.com\/daniel-khilmi-2\/"},"modified":"2026-09-10T17:57:10","modified_gmt":"2026-09-10T09:57:10","slug":"%e8%8e%ab%e5%93%88%e6%9c%ab%c2%b7%e9%98%bf%e5%a4%ab%e6%89%8e%e5%b0%bc%e5%8d%a0%e5%8d%9a%e5%a3%ab","status":"publish","type":"page","link":"https:\/\/crossthinktank.com\/zh-hans\/%e8%8e%ab%e5%93%88%e6%9c%ab%c2%b7%e9%98%bf%e5%a4%ab%e6%89%8e%e5%b0%bc%e5%8d%a0%e5%8d%9a%e5%a3%ab\/","title":{"rendered":"\u83ab\u54c8\u672b\u00b7\u963f\u592b\u624e\u5c3c\u5360\u535a\u58eb"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4904\" class=\"elementor elementor-4904 elementor-4897\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3e28789b elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3e28789b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6f61173f\" data-id=\"6f61173f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78701f36 elementor-align-flex-start elementor-widget elementor-widget-raven-breadcrumbs\" data-id=\"78701f36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"raven-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-breadcrumbs raven-breadcrumbs-default\"><div class=\"breadcrumb\">\t\t\t\t\t\t\t\t<div class=\"breadcrumb-item active\" aria-current=\"page\"><span>Home<\/span><\/div>\n\n\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2fda9dc1 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2fda9dc1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-23e33bb2\" data-id=\"23e33bb2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-5df0b6a\" data-id=\"5df0b6a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-312bcc37 elementor-widget__width-initial elementor-widget elementor-widget-raven-image\" data-id=\"312bcc37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"raven-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"raven-image\">\n\t\t\n\t\t\n\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1117\" height=\"1409\" src=\"https:\/\/crossthinktank.com\/wp-content\/uploads\/2026\/09\/Dr-Mohd-Afzanizam-Abdul-Rashid.jpg\" class=\"attachment-full size-full wp-image-4899\" alt=\"\" srcset=\"https:\/\/crossthinktank.com\/wp-content\/uploads\/2026\/09\/Dr-Mohd-Afzanizam-Abdul-Rashid.jpg 1117w, https:\/\/crossthinktank.com\/wp-content\/uploads\/2026\/09\/Dr-Mohd-Afzanizam-Abdul-Rashid-238x300.jpg 238w, https:\/\/crossthinktank.com\/wp-content\/uploads\/2026\/09\/Dr-Mohd-Afzanizam-Abdul-Rashid-812x1024.jpg 812w, https:\/\/crossthinktank.com\/wp-content\/uploads\/2026\/09\/Dr-Mohd-Afzanizam-Abdul-Rashid-768x969.jpg 768w\" sizes=\"(max-width: 1117px) 100vw, 1117px\" \/>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-de2e09d\" data-id=\"de2e09d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9e2afb2 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9e2afb2\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1747dc8\" data-id=\"1747dc8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ad06abc elementor-widget elementor-widget-heading\" data-id=\"ad06abc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u83ab\u54c8\u672b\u00b7\u963f\u592b\u624e\u5c3c\u5360\u535a\u58eb<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7101f7ff elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7101f7ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43fd16ef elementor-widget elementor-widget-text-editor\" data-id=\"43fd16ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\" style=\"text-align: justify; text-justify: inter-ideograph;\"><span style=\"font-family: 'Songti SC';\">Dr. Afzanizam <span lang=\"ZH-CN\">\u5728\u6295\u8d44\u7814\u7a76\u9886\u57df\u62e5\u6709\u8d85\u8fc7<\/span>20<span lang=\"ZH-CN\">\u5e74\u7684\u4e13\u4e1a\u7ecf\u9a8c\uff0c\u5728\u7ecf\u6d4e\u5b66\u548c\u8d44\u672c\u5e02\u573a\u65b9\u9762\u62e5\u6709\u4e30\u5bcc\u4e14\u5353\u8d8a\u7684\u804c\u4e1a\u7ecf\u5386\u3002\u4ed6\u66fe\u5728\u591a\u5bb6\u77e5\u540d\u673a\u6784\u62c5\u4efb\u91cd\u8981\u804c\u52a1\uff0c\u5305\u62ec\u9a6c\u6765\u897f\u4e9a\u96c7\u5458\u516c\u79ef\u91d1\u5c40\uff08<\/span>EPF<span lang=\"ZH-CN\">\uff09\u3001\u9a6c\u6765\u897f\u4e9a\u4f0a\u65af\u5170\u94f6\u884c\uff08<\/span>Bank Islam Malaysia Berhad<span lang=\"ZH-CN\">\uff09\u3001\u9a6c\u6765\u897f\u4e9a\u9000\u4f11\u57fa\u91d1\u5c40\uff08<\/span>KWAP<span lang=\"ZH-CN\">\uff09\u4ee5\u53ca\u9a6c\u6765\u897f\u4e9a\u8bc4\u7ea7\u673a\u6784\uff08<\/span>MARC<span lang=\"ZH-CN\">\uff09\uff0c\u5e76\u5728\u4efb\u671f\u95f4\u63d0\u4f9b\u4e13\u4e1a\u7684\u7ecf\u6d4e\u5206\u6790\u4e0e\u89c1\u89e3\u3002<\/span><\/span><\/p><p class=\"p1\" style=\"text-align: justify; text-justify: inter-ideograph;\"><span lang=\"ZH-CN\" style=\"font-family: 'Songti SC';\">\u76ee\u524d\uff0c<\/span><span style=\"font-family: 'Songti SC';\">Dr. Afzanizam <span lang=\"ZH-CN\">\u62c5\u4efb <\/span><span class=\"s1\"><b>Bank Muamalat Malaysia Berhad<span lang=\"ZH-CN\">\uff08<\/span>BMMB<span lang=\"ZH-CN\">\uff09\u9996\u5e2d\u7ecf\u6d4e\u5b66\u5bb6<\/span><\/b><\/span><span lang=\"ZH-CN\">\uff0c\u4e3b\u8981\u8d1f\u8d23\u63d0\u4f9b\u5b8f\u89c2\u7ecf\u6d4e\u6218\u7565\u54a8\u8be2\uff0c\u5c24\u5176\u4e13\u6ce8\u4e8e\u8d22\u653f\u653f\u7b56\u4e0e\u8d27\u5e01\u653f\u7b56\u3002\u9664\u4e86\u5728\u91d1\u878d\u9886\u57df\u7684\u8d21\u732e\u5916\uff0c\u4ed6\u4e5f\u662f\u6d3b\u8dc3\u7684\u5a92\u4f53\u8bc4\u8bba\u5458\uff0c\u5e76\u62c5\u4efb\u591a\u6240\u672c\u5730\u5927\u5b66\u7684\u5b66\u672f\u5bfc\u5e08\uff0c\u540c\u65f6\u4e5f\u662f<span class=\"s1\"><b>\u9a6c\u6765\u897f\u4e9a\u56fd\u4f1a\u8d22\u653f\u4e0e\u7ecf\u6d4e\u7279\u522b\u9074\u9009\u59d4\u5458\u4f1a\u7684\u987e\u95ee<\/b><\/span>\u3002<\/span><\/span><\/p><p class=\"p2\" style=\"text-align: justify; text-justify: inter-ideograph;\"><span lang=\"ZH-CN\" style=\"font-family: 'Songti SC';\">\u5728\u5b66\u672f\u80cc\u666f\u65b9\u9762\uff0c<\/span><span style=\"font-family: 'Songti SC';\">Dr. Afzanizam <span lang=\"ZH-CN\">\u62e5\u6709<span class=\"s1\"><b>\u9a6c\u6765\u897f\u4e9a\u56fd\u6c11\u5927\u5b66\uff08<\/b><\/span><\/span><span class=\"s1\"><b>UKM<span lang=\"ZH-CN\">\uff09\u7ecf\u6d4e\u5b66\u535a\u58eb\u5b66\u4f4d\u53ca\u5e94\u7528\u91d1\u878d\u4e0e\u6295\u8d44\u5de5\u5546\u7ba1\u7406\u7855\u58eb\u5b66\u4f4d<\/span><\/b><\/span><span class=\"s2\"><span lang=\"ZH-CN\">\uff1b\u6b64\u5916\uff0c\u4ed6\u8fd8\u6301\u6709<\/span><\/span><span class=\"s1\"><b><span lang=\"ZH-CN\">\u739b\u62c9\u5de5\u827a\u5927\u5b66\uff08<\/span>UiTM<span lang=\"ZH-CN\">\uff09\u91d1\u878d\u5de5\u5546\u7ba1\u7406\u5b66\u58eb\uff08\u8363\u8a89\uff09\u5b66\u4f4d<\/span><\/b><\/span><span class=\"s2\"><span lang=\"ZH-CN\">\u4ee5\u53ca<\/span><\/span><span class=\"s1\"><b><span lang=\"ZH-CN\">\u6295\u8d44\u5206\u6790\u6587\u51ed<\/span><\/b><\/span><span class=\"s2\"><span lang=\"ZH-CN\">\u3002<\/span><\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Daniel Khilmi Daniel Khilmi holds a Bachelor of Ec [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-4904","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/crossthinktank.com\/zh-hans\/wp-json\/wp\/v2\/pages\/4904","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/crossthinktank.com\/zh-hans\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/crossthinktank.com\/zh-hans\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/crossthinktank.com\/zh-hans\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/crossthinktank.com\/zh-hans\/wp-json\/wp\/v2\/comments?post=4904"}],"version-history":[{"count":6,"href":"https:\/\/crossthinktank.com\/zh-hans\/wp-json\/wp\/v2\/pages\/4904\/revisions"}],"predecessor-version":[{"id":4910,"href":"https:\/\/crossthinktank.com\/zh-hans\/wp-json\/wp\/v2\/pages\/4904\/revisions\/4910"}],"wp:attachment":[{"href":"https:\/\/crossthinktank.com\/zh-hans\/wp-json\/wp\/v2\/media?parent=4904"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}