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\u0baa\u0bb1\u0bcd\u0bb1\u0bbf\u0baf \u0ba4\u0b95\u0bb5\u0bb2\u0bc1\u0b95\u0bcd\u0b95\u0bc1, <a href=\"https:\/\/refugeemalaysia.org\/ta\/support\/health-services\/\">\u0b9a\u0bc1\u0b95\u0bbe\u0ba4\u0bbe\u0bb0 \u0b9a\u0bc7\u0bb5\u0bc8\u0b95\u0bb3\u0bcd<\/a> \u0baa\u0b95\u0bcd\u0b95\u0ba4\u0bcd\u0ba4\u0bc8\u0baa\u0bcd \u0baa\u0b9f\u0bbf\u0b95\u0bcd\u0b95\u0bb5\u0bc1\u0bae\u0bcd   <\/p>\n<p>UNHCR, \u0ba8\u0bbf\u0ba4\u0bbf \u0b89\u0ba4\u0bb5\u0bbf\u0b95\u0bcd\u0b95\u0bbe\u0ba9 \u0b95\u0bcb\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc8\u0b95\u0bb3\u0bc8 \u0b85\u0b95\u0ba4\u0bbf\u0b95\u0bb3\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0baa\u0bc1\u0b95\u0bb2\u0bbf\u0b9f\u0b95\u0bcd \u0b95\u0bcb\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc8\u0baf\u0bbe\u0bb3\u0bb0\u0bcd\u0b95\u0bb3\u0bbf\u0b9f\u0bae\u0bbf\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bc1 \u0ba8\u0bc7\u0bb0\u0b9f\u0bbf\u0baf\u0bbe\u0b95\u0baa\u0bcd \u0baa\u0bc6\u0bb1\u0bc1\u0b95\u0bbf\u0bb1\u0ba4\u0bc1 \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0b95\u0bc2\u0b9f\u0bcd\u0b9f\u0bbe\u0bb3\u0bb0\u0bcd\u0b95\u0bb3\u0bcd, \u0b9a\u0bc7\u0bb5\u0bc8 \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0bc1\u0ba8\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0b85\u0b95\u0ba4\u0bbf\u0b95\u0bb3\u0bcd \u0b9a\u0bae\u0bc2\u0b95 \u0b85\u0bae\u0bc8\u0baa\u0bcd\u0baa\u0bc1\u0b95\u0bb3\u0bbf\u0ba9\u0bcd \u0baa\u0bb0\u0bbf\u0ba8\u0bcd\u0ba4\u0bc1\u0bb0\u0bc8\u0b95\u0bb3\u0bcd \u0bae\u0bc2\u0bb2\u0bae\u0bcd \u0baa\u0bc6\u0bb1\u0bc1\u0b95\u0bbf\u0bb1\u0ba4\u0bc1. \u0b95\u0bcb\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc8\u0baf\u0bc8\u0b9a\u0bcd \u0b9a\u0bc6\u0baf\u0bcd\u0baf \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0bb5\u0bc7\u0bb1\u0bc1 \u0bb5\u0bb4\u0bbf\u0b95\u0bb3\u0bcd \u0b87\u0bb2\u0bcd\u0bb2\u0bc8 \u0b8e\u0ba9\u0bcd\u0bb1\u0bbe\u0bb2\u0bcd, \u0b87\u0ba8\u0bcd\u0ba4 \u0b86\u0ba9\u0bcd\u0bb2\u0bc8\u0ba9\u0bcd <a href=\"https:\/\/refugeemalaysia.org\/ta\/contact\/\">\u0baa\u0b9f\u0bbf\u0bb5\u0ba4\u0bcd\u0ba4\u0bc8\u0b9a\u0bcd<\/a> \u0b9a\u0bae\u0bb0\u0bcd\u0baa\u0bcd\u0baa\u0bbf\u0b95\u0bcd\u0b95\u0bb2\u0bbe\u0bae\u0bcd. <\/p>\n<p>\u0b92\u0bb0\u0bc1 \u0b95\u0bc1\u0b9f\u0bc1\u0bae\u0bcd\u0baa\u0ba4\u0bcd\u0ba4\u0bbf\u0ba9\u0bcd \u0bb5\u0bb0\u0bc1\u0bae\u0bbe\u0ba9\u0ba4\u0bcd\u0ba4\u0bc8 \u0b89\u0bb0\u0bc1\u0bb5\u0bbe\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0ba4\u0bbf\u0bb1\u0ba9\u0bcd, \u0b95\u0bc1\u0bb1\u0bbf\u0baa\u0bcd\u0baa\u0bbf\u0b9f\u0bcd\u0b9f \u0ba4\u0bc7\u0bb5\u0bc8\u0b95\u0bb3\u0bcd, \u0b95\u0bc1\u0b9f\u0bc1\u0bae\u0bcd\u0baa \u0b89\u0bb1\u0bc1\u0baa\u0bcd\u0baa\u0bbf\u0ba9\u0bb0\u0bcd\u0b95\u0bb3\u0bbf\u0ba9\u0bcd \u0b8e\u0ba3\u0bcd\u0ba3\u0bbf\u0b95\u0bcd\u0b95\u0bc8 \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0ba4\u0bc7\u0bb5\u0bc8\u0b95\u0bb3\u0bbf\u0ba9\u0bcd \u0b85\u0bb5\u0b9a\u0bb0\u0bae\u0bcd \u0b89\u0bb3\u0bcd\u0bb3\u0bbf\u0b9f\u0bcd\u0b9f \u0baa\u0bb2 \u0b95\u0bbe\u0bb0\u0ba3\u0bbf\u0b95\u0bb3\u0bbf\u0ba9\u0bcd \u0b85\u0b9f\u0bbf\u0baa\u0bcd\u0baa\u0b9f\u0bc8\u0baf\u0bbf\u0bb2\u0bcd \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bc0\u0b9f\u0bcd\u0b9f\u0bbf\u0bb1\u0bcd\u0b95\u0bc1 \u0b95\u0bcb\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc8\u0b95\u0bb3\u0bcd \u0bae\u0bc1\u0ba9\u0bcd\u0ba9\u0bc1\u0bb0\u0bbf\u0bae\u0bc8 \u0b85\u0bb3\u0bbf\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0b95\u0bbf\u0ba9\u0bcd\u0bb1\u0ba9. \u0b85\u0ba9\u0bc8\u0ba4\u0bcd\u0ba4\u0bc1 \u0b95\u0bcb\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc8\u0b95\u0bb3\u0bc1\u0bae\u0bcd \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bbf\u0b9f\u0baa\u0bcd\u0baa\u0b9f\u0bb5\u0bbf\u0bb2\u0bcd\u0bb2\u0bc8.  \u0b87\u0bb0\u0ba3\u0bcd\u0b9f\u0bc1 \u0bae\u0bbe\u0ba4\u0b99\u0bcd\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1\u0bb3\u0bcd \u0b8e\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b95\u0bc2\u0b9f\u0bcd\u0b9f\u0bbe\u0bb3\u0bb0\u0bcd\u0b95\u0bb3\u0bbf\u0b9f\u0bae\u0bbf\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bc1 \u0b8e\u0ba8\u0bcd\u0ba4 \u0b9a\u0bc6\u0baf\u0bcd\u0ba4\u0bbf\u0baf\u0bc1\u0bae\u0bcd \u0b95\u0bbf\u0b9f\u0bc8\u0b95\u0bcd\u0b95\u0bb5\u0bbf\u0bb2\u0bcd\u0bb2\u0bc8 \u0b8e\u0ba9\u0bcd\u0bb1\u0bbe\u0bb2\u0bcd, \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b95\u0bcb\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc8 \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bbf\u0b9f\u0baa\u0bcd\u0baa\u0b9f\u0bbe\u0ba4\u0bc1 \u0b8e\u0ba9\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0baa\u0ba3 \u0b89\u0ba4\u0bb5\u0bbf \u0b8e\u0ba4\u0bc1\u0bb5\u0bc1\u0bae\u0bcd \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bbe\u0ba4\u0bc1 \u0b8e\u0ba9\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b95\u0bb0\u0bc1\u0ba4\u0bb2\u0bbe\u0bae\u0bcd.<\/p>\n<p>\u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b95\u0bcb\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc8 \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bbf\u0b9f\u0baa\u0bcd\u0baa\u0b9f\u0bcd\u0b9f\u0bbe\u0bb2\u0bcd, TCF \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 MRA \u0bae\u0bc2\u0bb2\u0bae\u0bcd \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0ba4\u0bca\u0b9f\u0bb0\u0bcd\u0baa\u0bc1 \u0b95\u0bca\u0bb3\u0bcd\u0bb3\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bb5\u0bc0\u0bb0\u0bcd\u0b95\u0bb3\u0bcd. \u0b85\u0ba4\u0ba9\u0bcd\u0baa\u0bbf\u0bb1\u0b95\u0bc1 \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bc0\u0b9f\u0bcd\u0b9f\u0bc8 \u0ba8\u0b9f\u0ba4\u0bcd\u0ba4 \u0bb5\u0bc0\u0b9f\u0bc1 \u0bb5\u0bc0\u0b9f\u0bbe\u0b95\u0b9a\u0bcd \u0b9a\u0bc6\u0bb2\u0bcd\u0bb2 \u0b8f\u0bb1\u0bcd\u0baa\u0bbe\u0b9f\u0bc1 \u0b9a\u0bc6\u0baf\u0bcd\u0bb5\u0bbe\u0bb0\u0bcd\u0b95\u0bb3\u0bcd. \u0b95\u0bcb\u0bb5\u0bbf\u0b9f\u0bcd-19 \u0ba8\u0bbf\u0bb2\u0bc8\u0bae\u0bc8 \u0bae\u0bcb\u0b9a\u0bae\u0b9f\u0bc8\u0ba8\u0bcd\u0ba4\u0bbe\u0bb2\u0bcd, \u0bb5\u0bc0\u0b9f\u0bc1\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1\u0b9a\u0bcd \u0b9a\u0bc6\u0bb2\u0bcd\u0bb5\u0ba4\u0bb1\u0bcd\u0b95\u0bc1\u0baa\u0bcd \u0baa\u0ba4\u0bbf\u0bb2\u0bbe\u0b95 \u0ba4\u0bca\u0bb2\u0bc8\u0baa\u0bc7\u0b9a\u0bbf \u0bae\u0bc2\u0bb2\u0bae\u0bcd \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bc0\u0b9f\u0bc1\u0b95\u0bb3\u0bcd \u0b9a\u0bc6\u0baf\u0bcd\u0baf\u0baa\u0bcd\u0baa\u0b9f\u0bb2\u0bbe\u0bae\u0bcd.  <\/p>\n<p>TCF \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 MRA \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bc8 \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bb5\u0bc0\u0b9f\u0bcd\u0b9f\u0bbf\u0bb1\u0bcd\u0b95\u0bc1\u0b9a\u0bcd \u0b9a\u0bc6\u0ba9\u0bcd\u0bb1\u0bc1 \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bb5\u0bbe\u0bb4\u0bcd\u0b95\u0bcd\u0b95\u0bc8\u0b9a\u0bcd \u0b9a\u0bc2\u0bb4\u0bb2\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b9a\u0ba8\u0bcd\u0ba4\u0bbf\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0b9a\u0bb5\u0bbe\u0bb2\u0bcd\u0b95\u0bb3\u0bc8\u0baa\u0bcd \u0baa\u0bb1\u0bcd\u0bb1\u0bbf \u0b9a\u0bc1\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bae\u0bbe\u0ba9 \u0ba8\u0bc7\u0bb0\u0bcd\u0b95\u0bbe\u0ba3\u0bb2\u0bc8 \u0ba8\u0b9f\u0ba4\u0bcd\u0ba4\u0bc1\u0bb5\u0bbe\u0bb0\u0bcd\u0b95\u0bb3\u0bcd. TCF \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 MRA \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bc8 \u0ba8\u0bc7\u0bb0\u0bcd\u0b95\u0bbe\u0ba3\u0bb2\u0bcd \u0b9a\u0bc6\u0baf\u0bcd\u0ba4 \u0b92\u0bb0\u0bc1 \u0bae\u0bbe\u0ba4\u0ba4\u0bcd\u0ba4\u0bbf\u0bb1\u0bcd\u0b95\u0bc1\u0bb3\u0bcd \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bc0\u0b9f\u0bcd\u0b9f\u0bbf\u0ba9\u0bcd \u0bae\u0bc1\u0b9f\u0bbf\u0bb5\u0bc8 \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1\u0ba4\u0bcd \u0ba4\u0bc6\u0bb0\u0bbf\u0bb5\u0bbf\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd. \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0baa\u0ba3 \u0b89\u0ba4\u0bb5\u0bbf\u0b95\u0bcd\u0b95\u0bc1 \u0ba4\u0b95\u0bc1\u0ba4\u0bbf\u0baf\u0bc1\u0b9f\u0bc8\u0baf\u0bb5\u0bb0\u0bbe\u0b95 \u0b87\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bbe\u0bb2\u0bcd, \u0baa\u0ba3 \u0b89\u0ba4\u0bb5\u0bbf\u0baf\u0bc8 \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0bc1\u0bb5\u0ba4\u0bb1\u0bcd\u0b95\u0bbe\u0b95 \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bc8\u0b9a\u0bcd 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_builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>\u0b85\u0b95\u0ba4\u0bbf\u0b95\u0bb3\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0baa\u0bc1\u0b95\u0bb2\u0bbf\u0b9f\u0b95\u0bcd \u0b95\u0bcb\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc8\u0baf\u0bbe\u0bb3\u0bb0\u0bcd\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1 UNHCR \u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0b95\u0bcd \u0b95\u0ba3\u0b95\u0bcd\u0b95\u0bc1\u0b95\u0bb3\u0bc8\u0ba4\u0bcd \u0ba4\u0bbf\u0bb1\u0b95\u0bcd\u0b95 \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bbe\u0ba4\u0bc1. \u0b85\u0b95\u0ba4\u0bbf\u0b95\u0bb3\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0baa\u0bc1\u0b95\u0bb2\u0bbf\u0b9f\u0b95\u0bcd \u0b95\u0bcb\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc8\u0baf\u0bbe\u0bb3\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0b95\u0bcd 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global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/refugeemalaysia.org\/wp-content\/uploads\/2022\/12\/opening-a-bank-account.jpg&#8221; title_text=&#8221;\u0b92\u0bb0\u0bc1-\u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0b95\u0bcd-\u0b95\u0ba3\u0b95\u0bcd\u0b95\u0bc8\u0ba4-\u0ba4\u0bbf\u0bb1\u0baa\u0bcd\u0baa\u0ba4\u0bc1&#8221; _builder_version=&#8221;4.19.2&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; box_shadow_style=&#8221;preset1&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>\u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0b95\u0bcd \u0b95\u0ba3\u0b95\u0bcd\u0b95\u0bbf\u0bb1\u0bcd\u0b95\u0bc1 \u0bb5\u0bbf\u0ba3\u0bcd\u0ba3\u0baa\u0bcd\u0baa\u0bbf\u0b95\u0bcd\u0b95 \u0baa\u0bca\u0ba4\u0bc1\u0bb5\u0bbe\u0b95 \u0bb5\u0bc7\u0bb2\u0bc8\u0bb5\u0bbe\u0baf\u0bcd\u0baa\u0bcd\u0baa\u0bc1\u0b9a\u0bcd \u0b9a\u0bbe\u0ba9\u0bcd\u0bb1\u0bc1 \u0ba4\u0bc7\u0bb5\u0bc8\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0b95\u0bbf\u0bb1\u0ba4\u0bc1. \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bbe\u0bb2\u0bcd \u0b87\u0ba4\u0bc8 \u0bb5\u0bb4\u0b99\u0bcd\u0b95 \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bbe\u0bb5\u0bbf\u0b9f\u0bcd\u0b9f\u0bbe\u0bb2\u0bcd, \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bae\u0bb1\u0bcd\u0bb1 \u0b86\u0ba4\u0bbe\u0bb0 \u0b86\u0bb5\u0ba3\u0b99\u0bcd\u0b95\u0bb3\u0bc8 \u0bb5\u0bb4\u0b99\u0bcd\u0b95 \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bc1\u0bae\u0bbe \u0b8e\u0ba9\u0bcd\u0baa\u0ba4\u0bc8 \u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0b95\u0bcd \u0b95\u0bbf\u0bb3\u0bc8\u0baf\u0bbf\u0bb2\u0bcd \u0b95\u0bc7\u0b9f\u0bcd\u0b95 \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd. <\/p>\n<p>\u0b85\u0ba9\u0bc8\u0ba4\u0bcd\u0ba4\u0bc1 \u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0b95\u0bb3\u0bc1\u0bae\u0bcd \u0b85\u0b95\u0ba4\u0bbf\u0b95\u0bb3\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0baa\u0bc1\u0b95\u0bb2\u0bbf\u0b9f\u0b95\u0bcd \u0b95\u0bcb\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc8\u0baf\u0bbe\u0bb3\u0bb0\u0bcd\u0b95\u0bb3\u0bc8 \u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0b95\u0bcd \u0b95\u0ba3\u0b95\u0bcd\u0b95\u0bc1\u0b95\u0bb3\u0bc8\u0ba4\u0bcd \u0ba4\u0bbf\u0bb1\u0b95\u0bcd\u0b95 \u0b85\u0ba9\u0bc1\u0bae\u0ba4\u0bbf\u0b95\u0bcd\u0b95\u0bbe\u0ba4\u0bc1, \u0b86\u0ba9\u0bbe\u0bb2\u0bcd CIMB \u0bb5\u0b99\u0bcd\u0b95\u0bbf, \u0b85\u0b95\u0ba4\u0bbf\u0b95\u0bb3\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0baa\u0bc1\u0b95\u0bb2\u0bbf\u0b9f\u0b95\u0bcd \u0b95\u0bcb\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc8\u0baf\u0bbe\u0bb3\u0bb0\u0bcd\u0b95\u0bb3\u0bbf\u0ba9\u0bcd \u0ba4\u0ba9\u0bbf\u0baa\u0bcd\u0baa\u0b9f\u0bcd\u0b9f \u0b95\u0bcb\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc8\u0b95\u0bb3\u0bc8 \u0baa\u0bb0\u0bbf\u0b9a\u0bc0\u0bb2\u0bbf\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd. \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0ba8\u0bbf\u0bb1\u0bc1\u0bb5\u0ba9\u0bae\u0bcd \u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0b95\u0bcd \u0b95\u0ba3\u0b95\u0bcd\u0b95\u0bc8\u0ba4\u0bcd \u0ba4\u0bca\u0b9f\u0b99\u0bcd\u0b95\u0bbf\u0baf \u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0b95\u0bcd \u0b95\u0bbf\u0bb3\u0bc8\u0baf\u0bc8\u0baf\u0bcb \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0baa\u0ba3\u0bbf\u0baf\u0bbf\u0b9f\u0bae\u0bcd \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0bb5\u0bc0\u0b9f\u0bcd\u0b9f\u0bbf\u0bb1\u0bcd\u0b95\u0bc1 \u0b85\u0bb0\u0bc1\u0b95\u0bbf\u0bb2\u0bc1\u0bb3\u0bcd\u0bb3 \u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0b95\u0bcd \u0b95\u0bbf\u0bb3\u0bc8\u0baf\u0bc8\u0baf\u0bcb \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b85\u0ba3\u0bc1\u0b95 \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd. \u0b92\u0bb0\u0bc1 \u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0b95\u0bcd\u0b95\u0bc1\u0b9a\u0bcd \u0b9a\u0bc6\u0ba9\u0bcd\u0bb1\u0bc1 \u0bb5\u0b99\u0bcd\u0b95\u0bbf \u0b95\u0bb5\u0bc1\u0ba3\u0bcd\u0b9f\u0bb0\u0bbf\u0bb2\u0bcd \u0bb5\u0bbf\u0b9a\u0bbe\u0bb0\u0bbf\u0baa\u0bcd\u0baa\u0ba4\u0ba9\u0bcd \u0bae\u0bc2\u0bb2\u0bae\u0bcd, \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bb5\u0bbf\u0ba3\u0bcd\u0ba3\u0baa\u0bcd\u0baa\u0ba4\u0bcd\u0ba4\u0bc8 \u0b8f\u0bb1\u0bcd\u0bb1\u0bc1\u0b95\u0bcd\u0b95\u0bca\u0bb3\u0bcd\u0bb3\u0bc1\u0bae\u0bcd \u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0b95\u0bcd \u0b95\u0bbf\u0bb3\u0bc8\u0baf\u0bc8 \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b95\u0ba3\u0bcd\u0b9f\u0bc1\u0baa\u0bbf\u0b9f\u0bbf\u0b95\u0bcd\u0b95 \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd  <\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>\u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bb5\u0bbf\u0ba3\u0bcd\u0ba3\u0baa\u0bcd\u0baa\u0ba4\u0bcd\u0ba4\u0bbf\u0ba9\u0bcd \u0b92\u0baa\u0bcd\u0baa\u0bc1\u0ba4\u0bb2\u0bcd \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0ba8\u0bbf\u0bb0\u0bbe\u0b95\u0bb0\u0bbf\u0baa\u0bcd\u0baa\u0bc1 \u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0b95\u0bcd \u0b95\u0bbf\u0bb3\u0bc8\u0baf\u0bc8\u0baa\u0bcd \u0baa\u0bca\u0bb1\u0bc1\u0ba4\u0bcd\u0ba4\u0ba4\u0bc1. \u0b87\u0ba8\u0bcd\u0ba4\u0b9a\u0bcd \u0b9a\u0bc6\u0baf\u0bb2\u0bcd\u0baa\u0bbe\u0b9f\u0bcd\u0b9f\u0bbf\u0bb2\u0bcd UNHCR \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bc8 \u0b86\u0ba4\u0bb0\u0bbf\u0b95\u0bcd\u0b95 \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bbe\u0ba4\u0bc1. \u0b92\u0bb0\u0bc1 \u0b95\u0bbf\u0bb3\u0bc8 \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bb5\u0bbf\u0ba3\u0bcd\u0ba3\u0baa\u0bcd\u0baa\u0ba4\u0bcd\u0ba4\u0bc8 \u0ba8\u0bbf\u0bb0\u0bbe\u0b95\u0bb0\u0bbf\u0ba4\u0bcd\u0ba4\u0bbf\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bbe\u0bb2\u0bcd, \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bb5\u0bc7\u0bb1\u0bc1 \u0b95\u0bbf\u0bb3\u0bc8\u0baf\u0bc8 \u0b85\u0ba3\u0bc1\u0b95\u0bb2\u0bbe\u0bae\u0bcd \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 <a href=\"https:\/\/www.bnm.gov.my\/regulations\/fsp-directory?p_p_id=com_liferay_asset_publisher_web_portlet_AssetPublisherPortlet_INSTANCE_jXC730NRlqU0&amp;p_p_lifecycle=0&amp;p_p_state=normal&amp;p_p_mode=view&amp;p_r_p_tag=nonbank-emoney-issuer\" target=\"_blank\" rel=\"noopener\">\u0bb5\u0b99\u0bcd\u0b95\u0bbf \u0b85\u0bb2\u0bcd\u0bb2\u0bbe\u0ba4 \u0ba8\u0bbf\u0ba4\u0bbf \u0b9a\u0bc7\u0bb5\u0bc8 \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0bc1\u0ba8\u0bb0\u0bcd\u0b95\u0bb3\u0bcd<\/a> \u0baa\u0bcb\u0ba9\u0bcd\u0bb1 \u0baa\u0bbf\u0bb1 \u0ba4\u0bc7\u0bb0\u0bcd\u0bb5\u0bc1\u0b95\u0bb3\u0bc8\u0b95\u0bcd \u0b95\u0bb0\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0b95\u0bca\u0bb3\u0bcd\u0bb3\u0bb2\u0bbe\u0bae\u0bcd \u0b87-\u0bb5\u0bbe\u0bb2\u0bc6\u0b9f\u0bcd\u0b9f\u0bc1\u0b95\u0bb3\u0bcd(e-wallets) \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd VISA \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0bae\u0bbe\u0bb8\u0bcd\u0b9f\u0bb0\u0bcd\u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1(Mastercard) \u0baa\u0bcd\u0bb0\u0bc0\u0baa\u0bc6\u0baf\u0bcd\u0b9f\u0bcd(prepaid) \u0b95\u0bbe\u0bb0\u0bcd\u0b9f\u0bc1\u0b95\u0bb3\u0bcd \u0baa\u0bcb\u0ba9\u0bcd\u0bb1 \u0b9a\u0bc7\u0bb5\u0bc8\u0b95\u0bb3\u0bc8 \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0baa\u0bb2 \u0bb5\u0b99\u0bcd\u0b95\u0bbf \u0b85\u0bb2\u0bcd\u0bb2\u0bbe\u0ba4 \u0ba8\u0bbf\u0ba4\u0bbf\u0b9a\u0bcd \u0b9a\u0bc7\u0bb5\u0bc8 \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0bc1\u0ba8\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0bae\u0bb2\u0bc7\u0b9a\u0bbf\u0baf\u0bbe\u0bb5\u0bbf\u0ba9\u0bcd \u0bae\u0ba4\u0bcd\u0ba4\u0bbf\u0baf \u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0baf\u0bbe\u0bb2\u0bcd (BNM) \u0b92\u0bb4\u0bc1\u0b99\u0bcd\u0b95\u0bc1\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0b95\u0bbf\u0bb1\u0bbe\u0bb0\u0bcd\u0b95\u0bb3\u0bcd.   <\/p>\n<p>\u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0b95\u0bcd \u0b95\u0ba3\u0b95\u0bcd\u0b95\u0bc8\u0ba4\u0bcd \u0ba4\u0bbf\u0bb1\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0ba8\u0bcb\u0b95\u0bcd\u0b95\u0ba4\u0bcd\u0ba4\u0bbf\u0bb1\u0bcd\u0b95\u0bbe\u0b95 UNHCR \u0b86\u0ba4\u0bb0\u0bb5\u0bc1\u0b95\u0bcd \u0b95\u0b9f\u0bbf\u0ba4\u0ba4\u0bcd\u0ba4\u0bc8\u0b95\u0bcd \u0b95\u0bcb\u0bb0 \u0bb5\u0bbf\u0bb0\u0bc1\u0bae\u0bcd\u0baa\u0bbf\u0ba9\u0bbe\u0bb2\u0bcd \u0b87\u0ba8\u0bcd\u0ba4\u0baa\u0bcd <a href=\"https:\/\/refugeemalaysia.org\/ta\/contact\/\" target=\"_blank\" rel=\"noopener\">\u0baa\u0b9f\u0bbf\u0bb5\u0ba4\u0bcd\u0ba4\u0bc8<\/a> \u0ba8\u0bbf\u0bb0\u0baa\u0bcd\u0baa\u0bb5\u0bc1\u0bae\u0bcd \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bbf\u0b9f\u0bae\u0bcd \u0b8f\u0bb1\u0bcd\u0b95\u0ba9\u0bb5\u0bc7 \u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0b95\u0bcd \u0b95\u0ba3\u0b95\u0bcd\u0b95\u0bc1 \u0b87\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bbe\u0bb2\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0baf\u0bbf\u0bb2\u0bcd \u0b89\u0bb3\u0bcd\u0bb3 \u0b9a\u0bbf\u0b95\u0bcd\u0b95\u0bb2\u0bc8\u0ba4\u0bcd \u0ba4\u0bc0\u0bb0\u0bcd\u0b95\u0bcd\u0b95 UNHCR \u0b87\u0ba9\u0bcd \u0b89\u0ba4\u0bb5\u0bbf \u0ba4\u0bc7\u0bb5\u0bc8\u0baa\u0bcd\u0baa\u0b9f\u0bcd\u0b9f\u0bbe\u0bb2\u0bcd, \u0ba4\u0baf\u0bb5\u0bc1\u0b9a\u0bc6\u0baf\u0bcd\u0ba4\u0bc1 \u0bb5\u0b99\u0bcd\u0b95\u0bbf \u0b8a\u0bb4\u0bbf\u0baf\u0bb0\u0bcd\u0b95\u0bb3\u0bbf\u0ba9\u0bcd \u0baa\u0bc6\u0baf\u0bb0\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0bae\u0bbf\u0ba9\u0bcd\u0ba9\u0b9e\u0bcd\u0b9a\u0bb2\u0bcd \u0bae\u0bc1\u0b95\u0bb5\u0bb0\u0bbf \u0baa\u0bcb\u0ba9\u0bcd\u0bb1 \u0bb5\u0b99\u0bcd\u0b95\u0bbf\u0b95\u0bcd \u0b95\u0bbf\u0bb3\u0bc8\u0baf\u0bbf\u0ba9\u0bcd \u0ba4\u0bca\u0b9f\u0bb0\u0bcd\u0baa\u0bc1\u0ba4\u0bcd \u0ba4\u0b95\u0bb5\u0bb2\u0bc8 \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0bb5\u0bc1\u0bae\u0bcd.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; custom_padding_tablet=&#8221;||30px||false|false&#8221; custom_padding_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; 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_builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; tbl_tcell_text_font=&#8221;Poppins||||||||&#8221; tbl_tcell_text_font_size=&#8221;18px&#8221; tbl_chead_text_font=&#8221;Poppins|700|||||||&#8221; tbl_chead_text_text_color=&#8221;#FFFFFF&#8221; tbl_chead_text_font_size=&#8221;15px&#8221; tbl_chead_text_line_height=&#8221;1.2em&#8221; tbl_rhead_text_font=&#8221;Poppins|600|||||||&#8221; tbl_rhead_text_text_color=&#8221;#000000&#8243; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; hover_enabled=&#8221;0&#8243; border_radii_tbl_tcell_cell_border=&#8221;on|10px|10px|10px|10px&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][dvmd_table_maker_item col_label=&#8221;Partner&#8221; col_content=&#8221;Organisation<br \/>\nAsylum Access<br \/>\nTenaganita&#8221; _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/dvmd_table_maker_item][dvmd_table_maker_item col_label=&#8221;Contact&#8221; col_content=&#8221;Contact<br \/>\nEmail: <a href=%22mailto: malaysia@asylumaccess.org%22>malaysia@asylumaccess.org<\/a><\/p>\n<p>Hotlines: <a href=%22tel:+60322015438%22>+60322015438<\/a> \/ <a href=%22tel:+60322015439%22>+60322015439<\/a> \/ <a href=%22tel:+60172094059%22>+60172094059<\/a> (WhatsApp)<\/p>\n<p>Operating Hours: 9:00am-3:00pm, Monday to Friday<br \/>\nEmail: <a href=%22mailto: general@tenaganita.net%22>general@tenaganita.net<\/a><\/p>\n<p>24-hour Hotline: <a href=%22tel:+60123350512%22>+6012 335 0512<\/a> \/ <a href=%22tel:+60123395350%22>+6012 339 5350<\/a>&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/dvmd_table_maker_item][dvmd_table_maker_item col_label=&#8221;Services&#8221; col_content=&#8221;Services<br \/>\nLegal advice on employment disputes, legal assistance on employment disputes.<br \/>\nCase management, legal aid services&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][\/dvmd_table_maker_item][\/dvmd_table_maker][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>\u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bae\u0bc1\u0ba4\u0bb2\u0bbe\u0bb3\u0bbf\u0baf\u0bbe\u0bb2\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0ba4\u0bc0\u0b99\u0bcd\u0b95\u0bc1 \u0b8f\u0bb1\u0bcd\u0baa\u0b9f\u0bcd\u0b9f\u0bbf\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bbe\u0bb2\u0bcd, \u0b95\u0bbe\u0bb5\u0bb2\u0bcd \u0ba8\u0bbf\u0bb2\u0bc8\u0baf\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0b92\u0bb0\u0bc1 \u0baa\u0bc1\u0b95\u0bbe\u0bb0\u0bc8 \u0baa\u0ba4\u0bbf\u0bb5\u0bc1 \u0b9a\u0bc6\u0baf\u0bcd\u0baf 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_builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#000000&#8243; link_font=&#8221;Poppins||||on||||&#8221; link_text_color=&#8221;#0072BC&#8221; custom_padding=&#8221;||||false|false&#8221; custom_padding_tablet=&#8221;||30px||false|false&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>UNHCR \u0b85\u0b9f\u0bc8\u0baf\u0bbe\u0bb3 \u0b85\u0b9f\u0bcd\u0b9f\u0bc8\u0b95\u0bb3\u0bc8 <a href=\"https:\/\/refugeemalaysia.org\/ta\/support\/resources-for-organisations\/unhcr-verify-plus\/\">UNHCR Verify Plus<\/a> \u0b95\u0bc8 \u0ba4\u0bca\u0bb2\u0bc8\u0baa\u0bc7\u0b9a\u0bbf \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0bbe\u0b9f\u0bcd\u0b9f\u0bc8\u0baa\u0bcd \u0baa\u0ba4\u0bbf\u0bb5\u0bbf\u0bb1\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0b8e\u0bb5\u0bb0\u0bc1\u0bae\u0bcd \u0baa\u0bbf\u0ba9\u0bcd\u0bb5\u0bb0\u0bc1\u0bae\u0bcd \u0baa\u0b9f\u0bbf\u0b95\u0bb3\u0bcd \u0bae\u0bc2\u0bb2\u0bae\u0bcd \u0b9a\u0bb0\u0bbf\u0baa\u0bbe\u0bb0\u0bcd\u0b95\u0bcd\u0b95 \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bc1\u0bae\u0bcd:<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.17.4&#8243; 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_module_preset=&#8221;default&#8221; text_text_color=&#8221;#000000&#8243; link_font=&#8221;Poppins||||on||||&#8221; link_text_color=&#8221;#0072BC&#8221; custom_padding=&#8221;||||false|false&#8221; custom_padding_tablet=&#8221;||30px||false|false&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>UNHCR \u0b85\u0b9f\u0bc8\u0baf\u0bbe\u0bb3 \u0b86\u0bb5\u0ba3\u0b99\u0bcd\u0b95\u0bb3\u0bc8\u0b9a\u0bcd \u0b9a\u0bb0\u0bbf\u0baa\u0bbe\u0bb0\u0bcd\u0b95\u0bcd\u0b95 Verify Plus \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0bbe\u0b9f\u0bcd\u0b9f\u0bc8\u0baa\u0bcd \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0bb5\u0ba4\u0bc7 \u0b92\u0bb0\u0bc7 \u0bb5\u0bb4\u0bbf. 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