{"id":774,"date":"2025-06-03T01:37:14","date_gmt":"2025-06-03T01:37:14","guid":{"rendered":"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/?page_id=774"},"modified":"2025-06-10T02:29:25","modified_gmt":"2025-06-10T02:29:25","slug":"utama","status":"publish","type":"page","link":"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/","title":{"rendered":"Utama"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"774\" class=\"elementor elementor-774\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-c9c58df elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c9c58df\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\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-25 elementor-top-column elementor-element elementor-element-1be99fb\" data-id=\"1be99fb\" data-element_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-eb48f18 elementor-widget elementor-widget-image\" data-id=\"eb48f18\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"3310\" height=\"1380\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/05\/PTPTN-FA-Brandmark_Stacked-Original-1.png\" class=\"attachment-full size-full wp-image-743\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/05\/PTPTN-FA-Brandmark_Stacked-Original-1.png 3310w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/05\/PTPTN-FA-Brandmark_Stacked-Original-1-300x125.png 300w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/05\/PTPTN-FA-Brandmark_Stacked-Original-1-1024x427.png 1024w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/05\/PTPTN-FA-Brandmark_Stacked-Original-1-768x320.png 768w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/05\/PTPTN-FA-Brandmark_Stacked-Original-1-1536x640.png 1536w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/05\/PTPTN-FA-Brandmark_Stacked-Original-1-2048x854.png 2048w\" sizes=\"(max-width: 3310px) 100vw, 3310px\" \/>\t\t\t\t\t\t\t\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9eb1876\" data-id=\"9eb1876\" data-element_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-aa2c00f elementor-nav-menu__align-end elementor-nav-menu--stretch elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"aa2c00f\" data-element_type=\"widget\" data-settings=\"{&quot;full_width&quot;:&quot;stretch&quot;,&quot;layout&quot;:&quot;horizontal&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-horizontal e--pointer-underline e--animation-fade\">\n\t\t\t\t<ul id=\"menu-1-aa2c00f\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-799\"><a target=\"_blank\" rel=\"noopener\" href=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Terma-dan-Syarat-Kempen-Bayar-Konsisten-Hati-Senang_FINAL-Pin-1.pdf\" class=\"elementor-item\">Terma &#038; Syarat<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-800\"><a target=\"_blank\" rel=\"noopener\" href=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Soalan-Lazim-Kempen-Bayar-Konsisten-Hati-Senang_FINAL-Pin1.pdf\" class=\"elementor-item\">Soalan Lazim<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 333H896C929 333 958 304 958 271S929 208 896 208H104C71 208 42 237 42 271S71 333 104 333ZM104 583H896C929 583 958 554 958 521S929 458 896 458H104C71 458 42 487 42 521S71 583 104 583ZM104 833H896C929 833 958 804 958 771S929 708 896 708H104C71 708 42 737 42 771S71 833 104 833Z\"><\/path><\/svg><svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close e-font-icon-svg e-eicon-close\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M742 167L500 408 258 167C246 154 233 150 217 150 196 150 179 158 167 167 154 179 150 196 150 212 150 229 154 242 171 254L408 500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-aa2c00f\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-799\"><a target=\"_blank\" rel=\"noopener\" href=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Terma-dan-Syarat-Kempen-Bayar-Konsisten-Hati-Senang_FINAL-Pin-1.pdf\" class=\"elementor-item\" tabindex=\"-1\">Terma &#038; Syarat<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-800\"><a target=\"_blank\" rel=\"noopener\" href=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Soalan-Lazim-Kempen-Bayar-Konsisten-Hati-Senang_FINAL-Pin1.pdf\" class=\"elementor-item\" tabindex=\"-1\">Soalan Lazim<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\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-25 elementor-top-column elementor-element elementor-element-d41679f elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"d41679f\" data-element_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-5f7ab90 elementor-mobile-align-center elementor-align-center elementor-widget elementor-widget-button\" data-id=\"5f7ab90\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/myptptn.ptptn.gov.my\/ptptn\/app\/landing\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Bayar balik sekarang<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-07abb7e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"07abb7e\" data-element_type=\"section\" id=\"a\" 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-6ab28ab\" data-id=\"6ab28ab\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-565c2e4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"565c2e4\" data-element_type=\"section\" id=\"utama\">\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-50 elementor-inner-column elementor-element elementor-element-bac144d\" data-id=\"bac144d\" data-element_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-fa34996 elementor-widget elementor-widget-image\" data-id=\"fa34996\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"863\" height=\"283\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/05\/BKHS-2.0-1.png\" class=\"attachment-full size-full wp-image-763\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/05\/BKHS-2.0-1.png 863w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/05\/BKHS-2.0-1-300x98.png 300w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/05\/BKHS-2.0-1-768x252.png 768w\" sizes=\"(max-width: 863px) 100vw, 863px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-635f5f3 elementor-hidden-desktop elementor-widget elementor-widget-image\" data-id=\"635f5f3\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1868\" height=\"1655\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/bannerbkhs21.png\" class=\"attachment-full size-full wp-image-788\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/bannerbkhs21.png 1868w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/bannerbkhs21-300x266.png 300w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/bannerbkhs21-1024x907.png 1024w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/bannerbkhs21-768x680.png 768w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/bannerbkhs21-1536x1361.png 1536w\" sizes=\"(max-width: 1868px) 100vw, 1868px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf67420 elementor-widget elementor-widget-text-editor\" data-id=\"cf67420\" data-element_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>Tempoh kempen:<\/p><p><span style=\"color: #ffcc00;\"><strong>1 Jun 2025 sehingga 31 Oktober 2025<\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a11c68a elementor-widget elementor-widget-text-editor\" data-id=\"a11c68a\" data-element_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>Tempoh permohonan potongan gaji atau debit terus:<\/p><p><span style=\"color: #ffcc00;\"><strong>1 Jun 2025 sehingga 31 Ogos 2025<\/strong><\/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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-eee23ca\" data-id=\"eee23ca\" data-element_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-25b8500 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"25b8500\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1499\" height=\"1655\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/bannerbkhs21-1.png\" class=\"attachment-full size-full wp-image-789\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/bannerbkhs21-1.png 1499w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/bannerbkhs21-1-272x300.png 272w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/bannerbkhs21-1-927x1024.png 927w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/bannerbkhs21-1-768x848.png 768w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/bannerbkhs21-1-1391x1536.png 1391w\" sizes=\"(max-width: 1499px) 100vw, 1499px\" \/>\t\t\t\t\t\t\t\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<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-05f10e8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"05f10e8\" data-element_type=\"section\" id=\"hadiah\">\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-inner-column elementor-element elementor-element-f0d9b13\" data-id=\"f0d9b13\" data-element_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-99ca2cd elementor-widget elementor-widget-heading\" data-id=\"99ca2cd\" data-element_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\">Menangi hadiah tunai keseluruhan bernilai<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10f6dc7 elementor-widget elementor-widget-image\" data-id=\"10f6dc7\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1387\" height=\"282\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Group-3266.png\" class=\"attachment-full size-full wp-image-791\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Group-3266.png 1387w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Group-3266-300x61.png 300w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Group-3266-1024x208.png 1024w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Group-3266-768x156.png 768w\" sizes=\"(max-width: 1387px) 100vw, 1387px\" \/>\t\t\t\t\t\t\t\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<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-142ba10 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"142ba10\" data-element_type=\"section\">\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-50 elementor-inner-column elementor-element elementor-element-f8e332c\" data-id=\"f8e332c\" data-element_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-644fe51 elementor-widget elementor-widget-image\" data-id=\"644fe51\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1445\" height=\"509\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Hadiah_PG.png\" class=\"attachment-full size-full wp-image-785\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Hadiah_PG.png 1445w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Hadiah_PG-300x106.png 300w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Hadiah_PG-1024x361.png 1024w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Hadiah_PG-768x271.png 768w\" sizes=\"(max-width: 1445px) 100vw, 1445px\" \/>\t\t\t\t\t\t\t\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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7e0d3bc\" data-id=\"7e0d3bc\" data-element_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-68a5ace elementor-widget elementor-widget-image\" data-id=\"68a5ace\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1445\" height=\"509\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Hadiah_DD.png\" class=\"attachment-full size-full wp-image-784\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Hadiah_DD.png 1445w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Hadiah_DD-300x106.png 300w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Hadiah_DD-1024x361.png 1024w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Hadiah_DD-768x271.png 768w\" sizes=\"(max-width: 1445px) 100vw, 1445px\" \/>\t\t\t\t\t\t\t\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<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-ea5e9d1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ea5e9d1\" data-element_type=\"section\" id=\"syarat\" 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-50 elementor-inner-column elementor-element elementor-element-5c559ec\" data-id=\"5c559ec\" data-element_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-ef26e6b elementor-widget elementor-widget-heading\" data-id=\"ef26e6b\" data-element_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\">Syarat penyertaan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf243a1 elementor-widget elementor-widget-text-editor\" data-id=\"bf243a1\" data-element_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<ul><li style=\"text-align: left;\">Terbuka kepada semua peminjam PTPTN.<\/li><li style=\"text-align: left;\">Membuat permohonan potongan gaji atau debit terus dalam tempoh 1 Jun 2025 sehingga 31 Ogos 2025.\u00a0<\/li><li>Melaksanakan bayaran balik pinjaman PTPTN secara konsisten melalui saluran potongan gaji dan\/ atau debit terus.<\/li><li>Pastikan tiada kegagalan transaksi sehingga tamat tempoh kempen.<\/li><\/ul>\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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f6c0b74\" data-id=\"f6c0b74\" data-element_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-bcac81e elementor-widget elementor-widget-image\" data-id=\"bcac81e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"456\" height=\"456\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/bkhs_girl.png\" class=\"attachment-full size-full wp-image-786\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/bkhs_girl.png 456w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/bkhs_girl-300x300.png 300w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/bkhs_girl-150x150.png 150w\" sizes=\"(max-width: 456px) 100vw, 456px\" \/>\t\t\t\t\t\t\t\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<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-31eeb28 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"31eeb28\" data-element_type=\"section\">\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-inner-column elementor-element elementor-element-dc61579\" data-id=\"dc61579\" data-element_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-e906602 elementor-mobile-align-center elementor-align-center elementor-widget elementor-widget-button\" data-id=\"e906602\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Terma-dan-Syarat-Kempen-Bayar-Konsisten-Hati-Senang_FINAL-Pin-1.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Baca terma & syarat penuh<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-182081d elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"182081d\" data-element_type=\"section\" id=\"pg\" 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-50 elementor-top-column elementor-element elementor-element-c90314e\" data-id=\"c90314e\" data-element_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-7020314 elementor-widget elementor-widget-eael-logo-carousel\" data-id=\"7020314\" data-element_type=\"widget\" data-settings=\"{&quot;items&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]},&quot;items_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:2,&quot;sizes&quot;:[]},&quot;items_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"eael-logo-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"swiper-container-wrap eael-logo-carousel-wrap swiper-container-wrap-dots-inside\">\n            <div class=\"swiper swiper-8 eael-logo-carousel swiper-container-7020314\" data-pagination=\".swiper-pagination-7020314\" data-arrow-next=\".swiper-button-next-7020314\" data-arrow-prev=\".swiper-button-prev-7020314\" data-items-mobile=\"1\" data-items-tablet=\"2\" data-items=\"1\" data-margin=\"10\" data-effect=\"slide\" data-speed=\"400\" data-autoplay=\"2000\" data-loop=\"1\" data-arrows=\"1\">\n                <div class=\"swiper-wrapper\">\n\t\t\t\t\t                            <div class=\"swiper-slide\">\n                                <div class=\"eael-lc-logo-wrap\">\n\t\t\t\t\t\t\t\t\t                                    <div id=\"eael-lc-logo-29be2a6\" class=\"eael-lc-logo\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"eael-lc-img-src\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/PG11-04.png\" alt=\"\">                                    <\/div>\n\t\t\t\t\t\t\t\t\t                                <\/div>\n                            <\/div>\n\t\t\t\t\t\t                            <div class=\"swiper-slide\">\n                                <div class=\"eael-lc-logo-wrap\">\n\t\t\t\t\t\t\t\t\t                                    <div id=\"eael-lc-logo-afcf85e\" class=\"eael-lc-logo\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"eael-lc-img-src\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/PG33-04.png\" alt=\"\">                                    <\/div>\n\t\t\t\t\t\t\t\t\t                                <\/div>\n                            <\/div>\n\t\t\t\t\t\t                            <div class=\"swiper-slide\">\n                                <div class=\"eael-lc-logo-wrap\">\n\t\t\t\t\t\t\t\t\t                                    <div id=\"eael-lc-logo-fce30f1\" class=\"eael-lc-logo\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"eael-lc-img-src\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/PG55-04.png\" alt=\"\">                                    <\/div>\n\t\t\t\t\t\t\t\t\t                                <\/div>\n                            <\/div>\n\t\t\t\t\t\t                            <div class=\"swiper-slide\">\n                                <div class=\"eael-lc-logo-wrap\">\n\t\t\t\t\t\t\t\t\t                                    <div id=\"eael-lc-logo-6bb0745\" class=\"eael-lc-logo\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"eael-lc-img-src\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/PG88-04.png\" alt=\"\">                                    <\/div>\n\t\t\t\t\t\t\t\t\t                                <\/div>\n                            <\/div>\n\t\t\t\t\t\t                <\/div>\n            <\/div>\n\t\t\t            <!-- Add Pagination -->\n            <div class=\"swiper-pagination swiper-pagination-7020314\"><\/div>\n\t\t\t\t\t            <!-- Add Arrows -->\n            <div class=\"swiper-button-next swiper-button-next-7020314\">\n\t\t\t\t<svg class=\"e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg>            <\/div>\n            <div class=\"swiper-button-prev swiper-button-prev-7020314\">\n\t\t\t\t<svg class=\"e-font-icon-svg e-fas-angle-left\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.7 239l136-136c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9L127.9 256l96.4 96.4c9.4 9.4 9.4 24.6 0 33.9L201.7 409c-9.4 9.4-24.6 9.4-33.9 0l-136-136c-9.5-9.4-9.5-24.6-.1-34z\"><\/path><\/svg>            <\/div>\n\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-50 elementor-top-column elementor-element elementor-element-687a77a\" data-id=\"687a77a\" data-element_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-d7ba339 elementor-widget elementor-widget-heading\" data-id=\"d7ba339\" data-element_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\">4 langkah mudah membuat permohonan <span style=\"color: #6E6EB1\">potongan gaji<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86e5d07 elementor-widget elementor-widget-text-editor\" data-id=\"86e5d07\" data-element_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>Nikmati ketenangan minda dengan memastikan pembayaran sentiasa tepat pada waktunya dan teratur.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-f42edb4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f42edb4\" data-element_type=\"section\">\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-25 elementor-inner-column elementor-element elementor-element-28e96ab\" data-id=\"28e96ab\" data-element_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-2cff1fe elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2cff1fe\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">LANGKAH 1<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-879cd90 elementor-widget elementor-widget-text-editor\" data-id=\"879cd90\" data-element_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>Log masuk <strong>myPTPTN<\/strong><\/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<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-7beebba\" data-id=\"7beebba\" data-element_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-7b78ad0 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7b78ad0\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">LANGKAH 2<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a8924b elementor-widget elementor-widget-text-editor\" data-id=\"5a8924b\" data-element_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>Klik &#8220;<strong>PERKHIDMATAN<\/strong>&#8221; dan pilih &#8220;<strong>Permohonan Potongan Gaji<\/strong>&#8220;<\/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<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-a8a9eb1\" data-id=\"a8a9eb1\" data-element_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-968a6cc elementor-align-center elementor-widget elementor-widget-button\" data-id=\"968a6cc\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">LANGKAH 3<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7dab068 elementor-widget elementor-widget-text-editor\" data-id=\"7dab068\" data-element_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>Klik &#8220;<strong>MOHON<\/strong>&#8221; pada akaun Pinjaman Ujrah\/ Konvensional<\/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<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-492d8b4\" data-id=\"492d8b4\" data-element_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-7e45889 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7e45889\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">LANGKAH 4<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02637c6 elementor-widget elementor-widget-text-editor\" data-id=\"02637c6\" data-element_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>Semak maklumat dan buat pengesahan pengakuan diri dan klik &#8220;<strong>SIMPAN<\/strong>&#8220;<\/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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-5ea0200 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ea0200\" data-element_type=\"section\" id=\"dd\" 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-50 elementor-top-column elementor-element elementor-element-0dd5d45\" data-id=\"0dd5d45\" data-element_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-71b5324 elementor-widget elementor-widget-heading\" data-id=\"71b5324\" data-element_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\">5 langkah mudah membuat permohonan <span style=\"color: #FDC000\">debit terus<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ed925c elementor-widget elementor-widget-text-editor\" data-id=\"9ed925c\" data-element_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>Nikmati kemudahan dan transaksi lebih mudah melalui debit terus.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-be24d2a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"be24d2a\" data-element_type=\"section\">\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-20 elementor-inner-column elementor-element elementor-element-e6dc7f8\" data-id=\"e6dc7f8\" data-element_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-758ebe5 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"758ebe5\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">LANGKAH 1<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d32b608 elementor-widget elementor-widget-text-editor\" data-id=\"d32b608\" data-element_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>Log masuk <strong>myPTPTN<\/strong><\/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<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-1b0f197\" data-id=\"1b0f197\" data-element_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-57c3793 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"57c3793\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">LANGKAH 2<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2661d4d elementor-widget elementor-widget-text-editor\" data-id=\"2661d4d\" data-element_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>Klik &#8220;<strong>PERKHIDMATAN<\/strong>&#8221; dan pilih &#8220;<strong>Permohonan Debit Terus<\/strong>&#8220;<\/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<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-f46f950\" data-id=\"f46f950\" data-element_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-04e1b1a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"04e1b1a\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">LANGKAH 3<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28798bb elementor-widget elementor-widget-text-editor\" data-id=\"28798bb\" data-element_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>Klik &#8220;<strong>MOHON<\/strong>&#8221; pada akaun Pinjaman Ujrah\/ Konvensional<\/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<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-f1d645b\" data-id=\"f1d645b\" data-element_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-b0126cd elementor-align-center elementor-widget elementor-widget-button\" data-id=\"b0126cd\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">LANGKAH 4<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a64ca1 elementor-widget elementor-widget-text-editor\" data-id=\"4a64ca1\" data-element_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>Semak maklumat dan buat pembayaran<\/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<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-d5bb345\" data-id=\"d5bb345\" data-element_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-2fc5f2f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2fc5f2f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">LANGKAH 5<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-993114f elementor-widget elementor-widget-text-editor\" data-id=\"993114f\" data-element_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>Sistem akan menjana resit sekiranya transaksi berjaya dan boleh disimpan atau dicetak<\/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\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-873e426\" data-id=\"873e426\" data-element_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-d863578 elementor-widget elementor-widget-eael-logo-carousel\" data-id=\"d863578\" data-element_type=\"widget\" data-settings=\"{&quot;items&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]},&quot;items_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:2,&quot;sizes&quot;:[]},&quot;items_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\" data-widget_type=\"eael-logo-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"swiper-container-wrap eael-logo-carousel-wrap swiper-container-wrap-dots-inside\">\n            <div class=\"swiper swiper-8 eael-logo-carousel swiper-container-d863578\" data-pagination=\".swiper-pagination-d863578\" data-arrow-next=\".swiper-button-next-d863578\" data-arrow-prev=\".swiper-button-prev-d863578\" data-items-mobile=\"1\" data-items-tablet=\"2\" data-items=\"1\" data-margin=\"10\" data-effect=\"slide\" data-speed=\"400\" data-autoplay=\"2000\" data-loop=\"1\" data-arrows=\"1\">\n                <div class=\"swiper-wrapper\">\n\t\t\t\t\t                            <div class=\"swiper-slide\">\n                                <div class=\"eael-lc-logo-wrap\">\n\t\t\t\t\t\t\t\t\t                                    <div id=\"eael-lc-logo-29be2a6\" class=\"eael-lc-logo\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"eael-lc-img-src\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/PG11-04.png\" alt=\"\">                                    <\/div>\n\t\t\t\t\t\t\t\t\t                                <\/div>\n                            <\/div>\n\t\t\t\t\t\t                            <div class=\"swiper-slide\">\n                                <div class=\"eael-lc-logo-wrap\">\n\t\t\t\t\t\t\t\t\t                                    <div id=\"eael-lc-logo-afcf85e\" class=\"eael-lc-logo\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"eael-lc-img-src\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/DT33-04.png\" alt=\"\">                                    <\/div>\n\t\t\t\t\t\t\t\t\t                                <\/div>\n                            <\/div>\n\t\t\t\t\t\t                            <div class=\"swiper-slide\">\n                                <div class=\"eael-lc-logo-wrap\">\n\t\t\t\t\t\t\t\t\t                                    <div id=\"eael-lc-logo-fce30f1\" class=\"eael-lc-logo\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"eael-lc-img-src\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/DT44-04.png\" alt=\"\">                                    <\/div>\n\t\t\t\t\t\t\t\t\t                                <\/div>\n                            <\/div>\n\t\t\t\t\t\t                            <div class=\"swiper-slide\">\n                                <div class=\"eael-lc-logo-wrap\">\n\t\t\t\t\t\t\t\t\t                                    <div id=\"eael-lc-logo-6bb0745\" class=\"eael-lc-logo\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"eael-lc-img-src\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/DT77-04.png\" alt=\"\">                                    <\/div>\n\t\t\t\t\t\t\t\t\t                                <\/div>\n                            <\/div>\n\t\t\t\t\t\t                            <div class=\"swiper-slide\">\n                                <div class=\"eael-lc-logo-wrap\">\n\t\t\t\t\t\t\t\t\t                                    <div id=\"eael-lc-logo-265a0a4\" class=\"eael-lc-logo\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"eael-lc-img-src\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/DT99-04.png\" alt=\"\">                                    <\/div>\n\t\t\t\t\t\t\t\t\t                                <\/div>\n                            <\/div>\n\t\t\t\t\t\t                <\/div>\n            <\/div>\n\t\t\t            <!-- Add Pagination -->\n            <div class=\"swiper-pagination swiper-pagination-d863578\"><\/div>\n\t\t\t\t\t            <!-- Add Arrows -->\n            <div class=\"swiper-button-next swiper-button-next-d863578\">\n\t\t\t\t<svg class=\"e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg>            <\/div>\n            <div class=\"swiper-button-prev swiper-button-prev-d863578\">\n\t\t\t\t<svg class=\"e-font-icon-svg e-fas-angle-left\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.7 239l136-136c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9L127.9 256l96.4 96.4c9.4 9.4 9.4 24.6 0 33.9L201.7 409c-9.4 9.4-24.6 9.4-33.9 0l-136-136c-9.5-9.4-9.5-24.6-.1-34z\"><\/path><\/svg>            <\/div>\n\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-22b5071 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"22b5071\" data-element_type=\"section\" id=\"kenapa\" 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-ad6c9f3\" data-id=\"ad6c9f3\" data-element_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-c45c999 elementor-widget elementor-widget-heading\" data-id=\"c45c999\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Kenapa bayar konsisten penting?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0e92f4 elementor-widget elementor-widget-text-editor\" data-id=\"f0e92f4\" data-element_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>Bayar balik pinjaman bukan sekadar tanggungjawab tapi ia langkah bijak untuk masa depan anda.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-d3b9496 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d3b9496\" data-element_type=\"section\">\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-33 elementor-inner-column elementor-element elementor-element-de6f1ba\" data-id=\"de6f1ba\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-8709125 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"8709125\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"253\" height=\"264\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/CCRIS.png\" class=\"attachment-full size-full wp-image-780\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Mengelakkan nama anda tersenarai dalam rekod buruk CCRIS atau CTOS<\/h3><\/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<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-8a7f7da\" data-id=\"8a7f7da\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-dd55295 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"dd55295\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"253\" height=\"264\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Pembiayaan.png\" class=\"attachment-full size-full wp-image-781\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Membuka peluang untuk anda memohon pembiayaan masa hadapan seperti pembeli rumah, kereta dan sebagainya<\/h3><\/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<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-72def45\" data-id=\"72def45\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-959a0f7 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"959a0f7\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"253\" height=\"264\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Pendidikan.png\" class=\"attachment-full size-full wp-image-782\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Membantu generasi pelajar akan datang terus nikmati dana pendidikan<\/h3><\/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 data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-834a918 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"834a918\" data-element_type=\"section\" id=\"b\">\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-50 elementor-inner-column elementor-element elementor-element-81a0587\" data-id=\"81a0587\" data-element_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-cab5ade elementor-widget elementor-widget-image\" data-id=\"cab5ade\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"710\" height=\"980\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Rectangle-181.png\" class=\"attachment-full size-full wp-image-790\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Rectangle-181.png 710w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Rectangle-181-217x300.png 217w\" sizes=\"(max-width: 710px) 100vw, 710px\" \/>\t\t\t\t\t\t\t\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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-70d1b1b\" data-id=\"70d1b1b\" data-element_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-77255c9 elementor-widget elementor-widget-heading\" data-id=\"77255c9\" data-element_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\">Ayuh bina masa depan tanpa hutang<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fa255e elementor-widget elementor-widget-text-editor\" data-id=\"8fa255e\" data-element_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 style=\"text-align: left;\">Bayar balik pinjaman anda secara konsisten demi masa depan yang lebih stabil tanpa bebanan hutang. Kebebasan kewangan bukan sekadar impian, tetapi sebuah realiti yang mampu dicapai.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f56b376 elementor-mobile-align-left elementor-align-left elementor-widget elementor-widget-button\" data-id=\"f56b376\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/myptptn.ptptn.gov.my\/ptptn\/app\/landing\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Bayar balik sekarang<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-ee04ed7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee04ed7\" data-element_type=\"section\" id=\"faq\" 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-50dc692\" data-id=\"50dc692\" data-element_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-1ddb198 elementor-widget elementor-widget-heading\" data-id=\"1ddb198\" data-element_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\">Ada persoalan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed71154 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"ed71154\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-ed71154\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"ed71154\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"siapakah-yang-layak-untuk-menyertai-kempen-ini\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-2481\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Siapakah yang layak untuk menyertai kempen ini?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2481\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"siapakah-yang-layak-untuk-menyertai-kempen-ini\"><p>Kempen ini terbuka kepada peminjam PTPTN:-<\/p><ol type=\"i\"><li>Peminjam konvensional ataupun ujrah;<\/li><li>Peminjam PTPTN yang membuat bayaran balik pinjaman pendidikan PTPTN di dalam tempoh kempen; dan<\/li><li>Kempen ini TIDAK LAYAK disertai oleh kakitangan PTPTN serta ahli keluarga (merangkumi pasangan dan anak- anak).<\/li><\/ol><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"bilakah-tempoh-permohonan-untuk-memohon-potongan-gaji-dan-debit-terus-direct-debit-bagi-pelanggan-baharu\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-2482\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Bilakah tempoh permohonan untuk memohon potongan gaji dan debit terus (direct  debit) bagi pelanggan baharu?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2482\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"bilakah-tempoh-permohonan-untuk-memohon-potongan-gaji-dan-debit-terus-direct-debit-bagi-pelanggan-baharu\"><p>Tempoh permohonan akan bermula pada <strong>1 Jun 2025<\/strong> dan <strong>berakhir pada 31 Ogos 2025<\/strong>.<\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"adakah-peminjam-perlu-memastikan-bayaran-balik-pinjaman-yang-dibuat-melalui-potongan-gaji-atau-debit-terus-direct-debit-kekal-aktif\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-2483\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Adakah peminjam perlu memastikan bayaran balik pinjaman yang dibuat melalui potongan gaji atau debit terus (direct debit) kekal aktif?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2483\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"adakah-peminjam-perlu-memastikan-bayaran-balik-pinjaman-yang-dibuat-melalui-potongan-gaji-atau-debit-terus-direct-debit-kekal-aktif\"><p>Ya, peminjam perlu memastikan bayaran balik pinjaman yang dibuat melalui potongan gaji atau debit terus <em>(direct debit)<\/em> kekal aktif sehingga <strong>tarikh cabutan dan tiada kegagalan transaksi sehingga tamat tempoh kempen bagi melayakkan cabutan<\/strong>, kecuali bagi pinjaman yang telah dibuat penyelesaian penuh.<\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"adakah-peminjam-perlu-membuat-permohonan-untuk-melayakkan-penyertaan-bagi-kempen-ini\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-2484\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Adakah peminjam perlu membuat permohonan untuk melayakkan penyertaan bagi kempen ini?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2484\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"adakah-peminjam-perlu-membuat-permohonan-untuk-melayakkan-penyertaan-bagi-kempen-ini\"><p><strong>Tidak perlu<\/strong> kerana kelayakan bagi menyertai kempen ini adalah secara automatik bagi peminjam yang telah memenuhi terma dan syarat.<\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"bilakah-tarikh-cabutan-akan-dibuat\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-2485\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Bilakah tarikh cabutan akan dibuat?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2485\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"bilakah-tarikh-cabutan-akan-dibuat\"><p>Secara tentatifnya, tarikh cabutan adalah <strong>DUA PULUH (20) HARI<\/strong> selepas tamat tempoh kempen. Walau bagaimanapun, tarikh ini mungkin akan berubah mengikut keperluan dan keadaan semasa.<\/p><\/div>\n                <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0673c64 elementor-mobile-align-center elementor-align-center elementor-widget elementor-widget-button\" data-id=\"0673c64\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2025\/06\/Soalan-Lazim-Kempen-Bayar-Konsisten-Hati-Senang_FINAL-Pin1.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Baca selanjutnya di sini<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-6a544215 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6a544215\" data-element_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-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2ee363db\" data-id=\"2ee363db\" data-element_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-880574 elementor-widget elementor-widget-heading\" data-id=\"880574\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Konsistensi anda membayar balik pinjaman PTPTN kini lebih bermakna dan anda pasti tersenyum apabila kejayaan dikongsi\u00a0bersama<\/h4>\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-50 elementor-top-column elementor-element elementor-element-36a83c73\" data-id=\"36a83c73\" data-element_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-ebefc6d elementor-mobile-align-center elementor-align-right elementor-widget elementor-widget-button\" data-id=\"ebefc6d\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/myptptn.ptptn.gov.my\/ptptn\/app\/landing\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Bayar balik sekarang<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-8c4e5f7 elementor-section-full_width elementor-reverse-tablet elementor-reverse-mobile elementor-section-height-default elementor-section-height-default\" data-id=\"8c4e5f7\" data-element_type=\"section\" id=\"myptptn\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;arrow&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 700 10\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M350,10L340,0h20L350,10z\"\/>\n<\/svg>\t\t<\/div>\n\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-50 elementor-top-column elementor-element elementor-element-f48292d\" data-id=\"f48292d\" data-element_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-671acc3 elementor-widget elementor-widget-image\" data-id=\"671acc3\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2622\" height=\"2526\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/myptptn.png\" class=\"attachment-full size-full wp-image-672\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/myptptn.png 2622w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/myptptn-300x289.png 300w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/myptptn-1024x987.png 1024w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/myptptn-768x740.png 768w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/myptptn-1536x1480.png 1536w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/myptptn-2048x1973.png 2048w\" sizes=\"(max-width: 2622px) 100vw, 2622px\" \/>\t\t\t\t\t\t\t\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f5b2c6c\" data-id=\"f5b2c6c\" data-element_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-78ea51d elementor-widget elementor-widget-heading\" data-id=\"78ea51d\" data-element_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\">Nikmati ketenangan tanpa beban hutang<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9f4328 elementor-widget elementor-widget-text-editor\" data-id=\"c9f4328\" data-element_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 style=\"text-align: left;\">Muat turun myPTPTN dan mulakan perjalanan bebas hutang anda hari ini.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-5f8320b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f8320b\" data-element_type=\"section\">\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-25 elementor-inner-column elementor-element elementor-element-f52924c\" data-id=\"f52924c\" data-element_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-fcbf6ca elementor-widget-mobile__width-initial elementor-widget elementor-widget-image\" data-id=\"fcbf6ca\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.ptptnapp\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"638\" height=\"192\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/GooglePlay.png\" class=\"elementor-animation-shrink attachment-full size-full wp-image-685\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/GooglePlay.png 638w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/GooglePlay-300x90.png 300w\" sizes=\"(max-width: 638px) 100vw, 638px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\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<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-531180b\" data-id=\"531180b\" data-element_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-d46b4cf elementor-widget-mobile__width-initial elementor-widget elementor-widget-image\" data-id=\"d46b4cf\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/apps.apple.com\/my\/app\/myptptn\/id1601433091\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"638\" height=\"192\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/AppStore.png\" class=\"elementor-animation-shrink attachment-full size-full wp-image-684\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/AppStore.png 638w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/AppStore-300x90.png 300w\" sizes=\"(max-width: 638px) 100vw, 638px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\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<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-7462afe\" data-id=\"7462afe\" data-element_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-55e8b3e elementor-widget-mobile__width-initial elementor-widget elementor-widget-image\" data-id=\"55e8b3e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/appgallery.huawei.com\/app\/C105786343?sharePrepath=ag&#038;locale=en_GB&#038;source=appshare&#038;subsource=C105786343&#038;shareTo=com.whatsapp&#038;shareFrom=appmarket\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"638\" height=\"192\" src=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/AppGallery.png\" class=\"elementor-animation-shrink attachment-full size-full wp-image-683\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/AppGallery.png 638w, https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/wp-content\/uploads\/2024\/01\/AppGallery-300x90.png 300w\" sizes=\"(max-width: 638px) 100vw, 638px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\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<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-d3e1a6a\" data-id=\"d3e1a6a\" data-element_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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-54ffdeef elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"54ffdeef\" data-element_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-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-197f3104\" data-id=\"197f3104\" data-element_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-394f9eb4 elementor-shape-rounded elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"394f9eb4\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook-f elementor-repeater-item-993ef04\" href=\"https:\/\/www.facebook.com\/PTPTNOfficial\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook-f<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-facebook-f\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M279.14 288l14.22-92.66h-88.91v-60.13c0-25.35 12.42-50.06 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42.867-11.412 132.305-11.412 132.305s0 89.438 11.412 132.305c6.281 23.65 24.787 41.5 48.284 47.821C117.22 448 288 448 288 448s170.78 0 213.371-11.486c23.497-6.321 42.003-24.171 48.284-47.821 11.412-42.867 11.412-132.305 11.412-132.305s0-89.438-11.412-132.305zm-317.51 213.508V175.185l142.739 81.205-142.739 81.201z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-6c4fb19\" href=\"https:\/\/www.linkedin.com\/company\/ptptnofficial\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\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-2e0e7e2 elementor-widget elementor-widget-heading\" data-id=\"2e0e7e2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Hak Cipta Terpelihara \u00a0\u00a9\u00a0Perbadanan Tabung Pendidikan Tinggi Nasional<\/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 data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-c529218 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c529218\" data-element_type=\"section\">\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-e60c0f7\" data-id=\"e60c0f7\" data-element_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-977c101 nav-align-right elementor-widget elementor-widget-eael-one-page-nav\" data-id=\"977c101\" data-element_type=\"widget\" data-settings=\"{&quot;heading_alignment&quot;:&quot;right&quot;}\" data-widget_type=\"eael-one-page-nav.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"eael-one-page-nav-container\">\n            <ul class=\"eael-one-page-nav\" id=\"eael-one-page-nav-977c101\" data-section-id=\"eael-one-page-nav-977c101\" data-top-offset=\"0\" data-scroll-speed=\"700\" data-scroll-wheel=\"off\" data-scroll-touch=\"\" data-scroll-keys=\"off\" data-section-ids=\"[&quot;utama&quot;,&quot;hadiah&quot;,&quot;syarat&quot;,&quot;pg&quot;,&quot;dd&quot;,&quot;kenapa&quot;,&quot;faq&quot;,&quot;myptptn&quot;]\">\n                <li class=\"eael-one-page-nav-item\"><span class=\"eael-nav-dot-tooltip eael-tooltip-arrow\"><span class=\"eael-nav-dot-tooltip-content\">Utama<\/span><\/span><a href=\"#\" aria-label=\"Utama\" data-row-id=\"utama\"><span class=\"eael-nav-dot-wrap\"><svg class=\"eael-nav-dot e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg><\/span><\/a><\/li><li class=\"eael-one-page-nav-item\"><span class=\"eael-nav-dot-tooltip eael-tooltip-arrow\"><span class=\"eael-nav-dot-tooltip-content\">Hadiah<\/span><\/span><a href=\"#\" aria-label=\"Hadiah\" data-row-id=\"hadiah\"><span class=\"eael-nav-dot-wrap\"><svg class=\"eael-nav-dot e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg><\/span><\/a><\/li><li class=\"eael-one-page-nav-item\"><span class=\"eael-nav-dot-tooltip eael-tooltip-arrow\"><span class=\"eael-nav-dot-tooltip-content\">Syarat Penyertaan<\/span><\/span><a href=\"#\" aria-label=\"Syarat Penyertaan\" data-row-id=\"syarat\"><span class=\"eael-nav-dot-wrap\"><svg class=\"eael-nav-dot e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg><\/span><\/a><\/li><li class=\"eael-one-page-nav-item\"><span class=\"eael-nav-dot-tooltip eael-tooltip-arrow\"><span class=\"eael-nav-dot-tooltip-content\">Mohon Potongan Gaji<\/span><\/span><a href=\"#\" aria-label=\"Mohon Potongan Gaji\" data-row-id=\"pg\"><span class=\"eael-nav-dot-wrap\"><svg class=\"eael-nav-dot e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg><\/span><\/a><\/li><li class=\"eael-one-page-nav-item\"><span class=\"eael-nav-dot-tooltip eael-tooltip-arrow\"><span class=\"eael-nav-dot-tooltip-content\">Mohon Debit Terus<\/span><\/span><a href=\"#\" aria-label=\"Mohon Debit Terus\" data-row-id=\"dd\"><span class=\"eael-nav-dot-wrap\"><svg class=\"eael-nav-dot e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg><\/span><\/a><\/li><li class=\"eael-one-page-nav-item\"><span class=\"eael-nav-dot-tooltip eael-tooltip-arrow\"><span class=\"eael-nav-dot-tooltip-content\">Kenapa Perlu Konsisten<\/span><\/span><a href=\"#\" aria-label=\"Kenapa Perlu Konsisten\" data-row-id=\"kenapa\"><span class=\"eael-nav-dot-wrap\"><svg class=\"eael-nav-dot e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg><\/span><\/a><\/li><li class=\"eael-one-page-nav-item\"><span class=\"eael-nav-dot-tooltip eael-tooltip-arrow\"><span class=\"eael-nav-dot-tooltip-content\">Soalan Lazim<\/span><\/span><a href=\"#\" aria-label=\"Soalan Lazim\" data-row-id=\"faq\"><span class=\"eael-nav-dot-wrap\"><svg class=\"eael-nav-dot e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg><\/span><\/a><\/li><li class=\"eael-one-page-nav-item\"><span class=\"eael-nav-dot-tooltip eael-tooltip-arrow\"><span class=\"eael-nav-dot-tooltip-content\">myPTPTN<\/span><\/span><a href=\"#\" aria-label=\"myPTPTN\" data-row-id=\"myptptn\"><span class=\"eael-nav-dot-wrap\"><svg class=\"eael-nav-dot e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg><\/span><\/a><\/li>            <\/ul>\n        <\/div>\n\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>Bayar balik sekarang Tempoh kempen: 1 Jun 2025 sehingga 31 Oktober 2025 Tempoh permohonan potongan gaji atau debit terus: 1 Jun 2025 sehingga 31 Ogos 2025 Menangi hadiah tunai keseluruhan bernilai Syarat penyertaan Terbuka kepada semua peminjam PTPTN. Membuat permohonan potongan gaji atau debit terus dalam tempoh 1 Jun 2025 sehingga 31 Ogos 2025.\u00a0 Melaksanakan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":775,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-774","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>PTPTN - Bayar Konsisten Hati Senang 2.0<\/title>\n<meta name=\"description\" content=\"Bayar balik pinjaman PTPTN secara konsisten demi masa depan yang lebih stabil tanpa bebanan hutang dan menangi hadiah keseluruhan RM98,000!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ptptn.gov.my\/BayarKonsistenHatiSenang\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PTPTN - 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