COURSE NAME : TOURISM MALAYSIA
COURSE CODE : DTM10093
PREPARED BY : NURUL NATASYA FARHANA BT AHMAD SAIKIN
REGISTRATION NO : 29DUP22F1020
PREPARED FOR : MISS SURAYAHANIM BINTI ALI

E-Book about Financial System
in Malaysia & Malaysia People

and Culture

CONTENT

1)MALAY COMMUNITY
2)CHINESE COMMUNITY
3)INDIAN COMMUNITY
4)BABA NYONYA COMMUNITY
5)INDEGENOUS COMMUNITY
6)SABAH COMMUNITY
7)SARAWAK COMMUNITY

FINANCIAL

SYSTEM

FINANCIAL
MARKET

1. Capital Market:
The market for acquiring long-term funds consists of the stock market
and the bond/sukuk market.

2. Money Market:
A market where only short-term instruments are traded to provide funds
to market participants.

3. Foreign Currency Exchange Market:
A market where currency transactions between banks and financial
institutions take place between one currency and another.

3. Foreign Currency Exchange Market:
A market where currency transactions between banks and financial
institutions take place between one currency and another.

4.Derivatives Market

Futures financial instruments market that provides effective and safe
risk management tools in commodity and financial products.

5. Offshore Market

A group of companies recognized by law as a separate entity with
limited liability

FINANCIAL
ISTITUTION

1. Banking Financial Institutions

•Bank Negara Malaysia - A statutory body wholly owned by the Government
of Malaysia.

•Commercial Bank – Commercial banks are privately owned and their activities
are based on profit. Examples: Maybank, CIMB Bank Berhad, RHB Bank Berhad

•Islamic Bank – A banking institution created to provide bank facilities and
services based on Shariah law. Examples: Bank Islam Malaysia, Bank
Muamalat, Affin Islamic Bank

•Investment Bank – A financial institution that helps individuals, corporate
bodies and governments obtain capital by acting as an agent for clients
in the issuance of securities. Examples: Kenanga Investment Bank, Affin
Investment Bank, CIMB Investment Bank.

2. Non-Banking Financial Institutions

•Insurance Company – A private enterprise that makes a profit by
offering protection against risk to customers. For example: Allianz

• Development Finance Institutions – Established specifically to promote
certain strategic economic sectors. For example: Bank Pembangunan
Malaysia Berhad, AGRO Bank, SME Bank

• Hajj Fund Board - The main purpose is to allow Muslims to save to fulfill
the hajj

•Retirement Fund – A financial scheme formed for the purpose of
providing social security by way of retirement, medical, death and
disability benefits to members and their dependents.
For example :
- Employees' Provident Fund (EPF)
- Teacher Savings Fund (KWSG)
- Social Security Organization (SOCSO)

•Bank Simpanan Nasional (BSN) – This bank was established to
encourage savings for low-income groups.

REGULATORY
BODY

1. Bank Negara Malaysia
•To regulate and supervise financial institutions subject to laws enforced by
banks.

2. Bursa Malaysia
•Responsible for the surveillance of the trading market and for the
enforcement of listing requirements and detailing the criteria for listing,
disclosure requirements and standards that listed companies must maintain.

3. Securities Commission
•Regulate stock exchanges, clearing houses and central depositories.

MALAYSIAN
PEOPLE AND
CULTURE

MALAY

COMMUNITY

INTRODUCTION

The constitutional definition of a Malay is a person who

professes the Muslim religion, habitually speaks the Malay

language and conforms to Malay custom. The Malays, so

the anthropologists and historians tell us, came to the

Malay Peninsula and islands of Sonth-East Asia in prehistoric

times. Today the Malays are found principally in the Malay

Peninsula and Sumatra, where they form the largest single

ethnic group.

RELIGIOUS AND BELIEF

Islam was brought to the Malay archipelago by traders, and

it soon replaced earlier beliefs among the Malays.
Fundamental principles of the Shafi’i school of Sunni Islam

were adopted, but certain additions reflected cultural

specificities of the region.
Malays strictly observe the four pillars of Islam: prayer,

fasting, distribution of alms and, if they can afford it,

pilgrimage to Mecca.
However, even fundamental tenets of Islam are subject to

local interpretations. This has led to the emergence of

religious sects based on the Quran, such as spiritualism and

mysticism.
The regional particularities in religious practice are a sign of

the dynamic interaction between Islam and the Malayan

culture.

TRADITIONAL FOOD

NASI LEMAK

SATAY

TRADITIONAL GAMES

CONGKAK

WAU

TRADITIONAL MUSIC

GONG

GAMBUS

TRADITIONAL FESTIVAL

HARI RAYA AIDILFITRI HARI RAYA AIDILADHA

TRADITIONAL COSTUME BAJU KURUNG

BAJU MELAYU

WEDDING

When the practice of arranging marriages

were common, this was the most crucial

step.
Merisik is when the family of the man pay

a friendly visit to the family of the woman

whom they have in mind as his potential

bride.
On top of knowing the woman and her

family better, it is also to ensure that the

woman is not already engaged, as Muslim

men are not allowed to propose to another

man’s fiancé.

CHINESE

COMMUNITY

INTRODUCTION

The Malaysian Chinese also known as orang cina

Malaysia
Malaysian citizens of han Chinese ethniccity are

from the second largest ethnic group after the

Malaymajority.
Most of them are decendant of Southern Chinese
Immigrants who arrived in Malaysia between the

early 19th century to mid 20th century.

RELIGION AND BELIEF

Chinese veneration of ancestors dates back to

ancient time, predating Confucianism and Taoism.
Traditional chinese culture, Confucianism and

Chinese Buddhism all value filial piety as atop

virtue
The act is continued display of piety and respect

towards departed ancestors

TRADITIONAL FOOD DUMPLING

MOON CAKE

TRADITIONAL GAMES

SHUTTLECOCK

YOYO

TRADITIONAL DANCE

DRAGON DANCE
OPERA

TRADITIONAL FESTIVAL MOONCAKE FESTIVAL

CHINESE NEW YEAR

TRADITIONAL COSTUME

SAMFOO CHEONGSAM

WEDDING

ceremonial ritual within Chinese societies

that involves not only a union between

spouses, but also a union between the two

families of a man and a woman,

sometimes established by pre-

arrangement between families.
Marriage and family are inextricably

linked, which involves the interests of both

families.

INDIAN

COMMUNITY

INTRODUCTION

The majority of Malaysian Indians are ethnic Tamils

smaller groups include the Malayalees , Telugus, Sikhs

and others.
Malaysian Indians form the fifth largest community of

Overseas Indians in the world.
Within Malaysia, they represent the third-largest

group (constituting 6.8% of the Malaysian population),

after the ethnic Malay and Chinese.

RELIGION AND BELIEF

The Indian subcontinent is the birthplace of

four of the world's major religions namely

Hinduism, Buddhism, Jainism and Sikhism.
The preamble of Indian constitution states

that India is a secular state.
Throughout India's history, religion has

been an important part of the country's

culture.

TRADITIONAL FOOD

THALI BANANA LEAF

TRADITIONAL GAMES

HOPSCOTH

KABADDI

TRADITIONAL DANCE

BHARATANATYAM

KHATAKALI

TRADITIONAL FESTIVAL

DEEPAVALI
THAIPUSAM

TRADITIONAL COSTUME

DHOTI SARI

WEDDING

First, there is the nalangu, a pre-wedding

blessing and purifying ceremony before

the actual wedding celebration.
It is where relatives and close friends of

the soon-to-be-wed couple apply haldi

(turmeric paste) onto the face and limbs of

the couple as a symbol of how much they

are loved.

BABA NYONYA

COMMUNITY

INTRODUCTION

The world of Peranakan is also used

commonly to descried Indonesia chinese, in

both BM, BAHASA INDONESIA
Peranakan means descendant which mean

baba refer to male and nyonya refer to

famale.

RELIGION AND BELIEF

Most Peranakan generally subscribed to

Chinese belief system such as Taoism,

Confucianism and Han Buddhism, and

Christianity nowadays.
Just like a chinese, the Peranakan also

celebrate Lunar New Year.
Lantern festival and another chinese

festival, while adopting the custom of the

land the settled in, as well as those of their

colony rules.

TRADITIONAL FOOD

LAKSA NYONYA

DUMPLING SYNDROME

TRADITIONAL GAMES TRADISIONAL DANCE

BATU SEREMBAN DONDANG SAYNG

TRADITIONAL FESTIVAL TRADITIONAL COSTUME

LUNAR NEW YEAR BAJU KEBAYA

WEDDING

Pregnant women are prohibited to touch

the items (gift, stuffs, wdding beds etc) or

join in the preparation for the marriage

ceremony.
They also are strongly prohibited from

entering the wedding chamber
Family members who are still mouring the

passing away of their family member are

also not allowed to join the Peranakan

Marriage ceremony as it was deemed

very inauspicious to the marriage couple.

INDIGENOUS

COMMUNITY

INTRODUCTION

Indigenous people is a generic Malay language word that is

used officially in Malaysia to refer to the original people

who occupied the land of the Malay Peninsula since time

immemorial.
Semang (or Negrito), can usually be found in the range up

to the northern part of the peninsula.
Senoi, settled in the central part of the peninsula.
Proto-Malay (or Native Malay), settled in the southern

region of the peninsula

TRADISIONAL FOOD
MANOK PANSOH
OPOK-OPOK

TRADISIONAL DANCE

SEWANG PANOH
SEWANG GAMOK
SEWANG MANJAR

TRADISIONAL GAMES

KERCANG

TENANGKOL

TRADITIONAL MUSIC

GINGGONG

NOSE FLUTE

TRADITIONAL FESTIVAL

HARI RAYA

HARI MOYANG

TRADITIONAL COSTUME

GRASS SKIRT

WEDDING

Most of the Orang Asli people get married
at a young age.

For men, the age of 18 is the most suitable
age to start a family. Women are 16 years
old and cannot exceed the age of men.

Marriage is performed by the parents of the
bride and groom, starting from the merisik
ceremony until someone has legally become
a married couple.

SABAH

COMMUNITY

INTRODUCTION

There are more than 30 indigenous

groups in Sabah with the largest non-

indegenous ethnic group being chinese

and the largest indigenous group being

the Kadazan-Dusun people.
Three other lsrger ethnic groups in

Sabah are the Bajau. Murut and Rungus.