Kn. P.U. 6/1999 THE COUNCIL OF RELIGION OF ISLAM AND MALAY CUSTOM, KELANTAN (CONDUCT AND DISCIPLINE) RULES 1999
Rule 13. Serious pecuniary indebtedness.
(1) An officer or servant shall not in any manner whatsoever cause himself to be in serious pecuniary indebtedness. For the purpose of these rules, the expression "serious pecuniary indebtedness" means the state of an officer's or servant's indebtedness which, having regard to the amount of debts incurred by him, has actually caused serious financial hardship to him.
(2) Without prejudice to the provisions of subrule (1), an officer or servant shall be deemed to be in serious pecuniary indebtedness-
(a) where the aggregate of his unsecured debts and liabilities at any given time exceeds the sum of six times his monthly emoluments;
(b) where he is a judgement debtor and the judgement debt has not been settled within one month of the date of the judgement; or
(c) where he is a bankrupt or an insolvent wage earner, as the case may be, for so long as any judgement against him in favour of the Official Assignee remains unsatisfied, or for so long as there is no annulment of his adjudication of bankruptcy.
(3) Serious pecuniary indebtedness from whatever cause other than as a result of unavoidable misfortune not contributed to in any way by the officer or servant himself shall be, regarded as bringing the image of the Majlis into disrepute and shall render him liable to disciplinary action.
(4) Where serious pecuniary indebtedness has occurred as a result of unavoidable misfortune, the Majlis may give to the officer or servant such assistance as the circumstances appear to warrant.
(5) If an officer or servant finds that his debts cause or are likely to cause serious pecuniary indebtedness to him, he shall forthwith report this fact to the Head of Department.
(6) An officer or servant who fails or delays in reporting his serious pecuniary indebtedness or who reports the same but fails to disclose its full extent or gives a false or misleading account thereof shall be guilty of a serious breach of discipline (whatever the first cause of the indebtedness may be), and shall render himself liable to disciplinary action.
(7) Without prejudice to the provisions of this rule, where an officer's or servant's debts amount to serious pecuniary indebtedness but he has not been adjudged a bankrupt or an insolvent wage earner, the Head of Department shall review his case from time to time.