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MAGAZINES

Daily PopUp By YannickTanguy.com

 

 

 

๐ƒ๐€๐๐€๐“๐Š๐€๐ ๐ˆ๐๐…๐Ž & ๐“๐ˆ๐ ๐Š๐„๐–๐€๐๐†๐€๐ ๐“๐„๐‘๐Š๐ˆ๐๐ˆ ๐’๐„๐‚๐€๐‘๐€ ๐ƒ๐ˆ๐†๐ˆ๐“๐€๐‹
๐Œ๐€๐‰๐€๐‹๐€๐‡ ๐‘๐ˆ๐๐†๐†๐ˆ๐“ ๐„๐ƒ๐ˆ๐’๐ˆ ๐ƒ๐ˆ๐†๐ˆ๐“๐€๐‹ ๐Ÿ“ฒ
๐๐ข๐ฅ 5 - Disember ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ“
๐Ÿ‘‰ https://tinyurl.com/RINGGIT0017

๐Œ๐€๐‰๐€๐‹๐€๐‡ ๐ƒ๐ˆ๐†๐ˆ๐“๐€๐‹ ๐‘๐ˆ๐๐†๐†๐ˆ๐“ adalah usahasama Gabungan Persatuan-Persatuan Pengguna Malaysia (FOMCA) dan Agensi Kaunseling dan Pengurusan Kredit (AKPK) untuk menyampaikan pendidikan kewangan kepada anda.

๐Ÿ“š Baca & Muat Turun kesemua edisi RINGGIT melalui pautan:
https://tinyurl.com/Ringgit001-pusatsumber

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Thought impact: Building consumer resilience together

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Created: 12 May 2026

260512 Datuk IndraniFOR decades, the Federation of Malaysian Consumers Association (Fomca) has been at the forefront of advocating for fairer markets and stronger consumer protections, consistently raising concerns over issues ranging from unsafe products to rising living costs and household financial pressures.

And along that journey, it has worked closely with the countyโ€™s media, including The Star.

Read more: https://www.thestar.com.my/news/focus/2026/05/10/thought-impact-building-consumer-resilience-together  

Read more: Thought impact: Building consumer resilience together

Right to a refund after not-so-lucky draw

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Created: 12 May 2026


260416 thestarlogoPETALING JAYA: Consumers misled by โ€œlucky drawsโ€ or โ€œscratch and winโ€ promotions can file claims of up to RM50,000 at the Tribunal for Consumer Claims if pressured into purchasing overpriced products through deceptive offers or sales tactics, according to lawyer Ananthan Moorthi.

He said they may have legal grounds to demand refunds under the Consumer Protection Act.

Read more: https://www.thestar.com.my/news/nation/2026/05/09/right-to-a-refund-after-not-so-lucky-draw 

Read more: Right to a refund after not-so-lucky draw

Addressing Medical Inflation in Malaysia

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Created: 06 May 2026

The reported 40% to 70% increase in medical insurance premiums has caused an uproar amongst Malaysian consumers. Many had taken private insurance to bypass the public healthcare system with its long waiting periods and frequently overburdened systems. They had expected that their insurance premiums would allow them fair access to the private healthcare system.

This sharp increase in insurance premiums has for many already struggling with stagnant incomes and higher living costs led to consumers giving up on their policies. It has been reported that between January 2024 and June 2025 more than 340,000 consumers had chosen to forgo their health insurance due to substantial premium increases by insurance companies.

Read more: Addressing Medical Inflation in Malaysia

Comments on Draft Guidelines On Implementation of Patent Linkage For Pharmaceutical Products in Malaysia

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Created: 05 May 2026

1. Introduction

We urge the National Pharmaceutical Regulatory Agency (NPRA) to withdraw the proposed Guidelines on Implementation of Patent Linkage for Pharmaceutical Products in Malaysia and to undertake meaningful consultations with civil society organizations and patient advocacy organisations on the best way to approach implementation of Article 18.53 of the Comprehensive and Progressive Agreement for Trans-Pacific Partnership (CPTPP).

The proposed Guidelines are CPTPP-plus going well beyond what is required under Article 18.53 of the CPTPP and will have serious adverse consequences for both the generic industry and access to affordable pharmaceutical products in Malaysia.

High medicine prices are a persistent challenge in Malaysia placing a significant burden on both patients and the public healthcare system. As a result, patients face high out-of-pocket costs, while the government must allocate substantial resources to procure medicines, constraining public health spending. Thus, it is absolutely critical that NPRA's implementation of Article 18.53 of the CPTPP does not erect barriers to the early entry of generic competition. Early generic competition is essential to reducing prices and improving access, and any regulatory approach that delays it will only exacerbate existing affordability challenges.

Looking at 10 years of wholesale and retail prices of medicines in Malaysia (2012-2022) the trend is incremental price increase (median increase: 40% and 33.6%), or stable increase (median increase: 15% and 16%), but none showed a decrease. In fact, the recent 5-year trend shows that 66% of wholesale and 68% of retail medicines have become more expensive. The increase for wholesale and retail prices is highly correlated.

The Ministry of Healthโ€™s 2024 pooled procurement data shows that a switch from innovator (patented) to generic medicines produced significant savings for the Ministry: in all cases, the saving was averaged at RM6.8mil per medicine procurement. However, when the Ministry sticks to the same innovator medicine (and not a generic), there is a 1 in 4 chance that the Ministry must fork out more for the same procurement. In the other 75% of cases the savings the Ministry could gain per procurement of originator medicines is about 12% on average after price negotiations or bulk buying. This is small compared to the savings made by a switch to generics. Hence any delay in availability of a generic pharmaceutical product in the market has a huge cost to the government and the public. Timely registration of a generic product by NPRA is therefore crucial, together with a generic importer or local manufacturer that is ready to enter the market with the registration in hand.

Read more: Comments on Draft Guidelines On Implementation of Patent Linkage For Pharmaceutical Products in...

CAP, FOMCA gesa KKM tarik balik garis panduan patent linkage

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Created: 04 May 2026

260504 KKMGEORGE TOWN โ€“ Cadangan pelaksanaan hubungan paten bagi produk farmaseutikal oleh Kementerian Kesihatan (KKM) dikhuatiri akan membawa kepada peningkatan harga ubat serta melambatkan akses pesakit kepada rawatan mampu milik.

Kebimbangan itu disuarakan gabungan lima pertubuhan iaitu Consumersโ€™ Association of Penang (CAP), Federation of Malaysian Consumers Associations (FOMCA), National Cancer Society of Malaysia (NCSM), Malaysian AIDS Council (MAC) dan Third World Network (TWN).Menurut mereka, cadangan itu hadir ketika negara berdepan tekanan kos kesihatan susulan pengurangan bajet sektor berkenaan sebanyak RM3.06 bilion.

Link:https://malaysiagazette.com/2026/05/02/cap-fomca-gesa-kkm-tarik-balik-garis-panduan-patent-linkage/#google_vignette

Read more: CAP, FOMCA gesa KKM tarik balik garis panduan patent linkage

NPRA patent guideline may hinder affordable generics, warn groups

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Created: 04 May 2026

260504 NPRAPETALING JAYA: Several groups have called for the withdrawal of a proposed guideline by the National Pharmaceutical Regulatory Agency (NPRA) on patents, saying it risks hampering the production and sale of affordable generic medicines to those who really need them.

The groups said international experience and studies show that such โ€œpatent linkageโ€ mechanisms function as powerful tools to delay generic competition regardless of the merits of the underlying patent claim.

Read more : https://www.freemalaysiatoday.com/category/nation/2026/05/02/npra-patent-guideline-may-hinder-affordable-generics-warn-groups

Read more: NPRA patent guideline may hinder affordable generics, warn groups

PRESS RELEASE: MOHโ€™S PROPOSED PATENT LINKAGE GUIDELINE RISKS HIGHER MEDICINE PRICES AND DELAYED ACCESS

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Created: 04 May 2026

260402 fomca logoMalaysia stands at a critical juncture in ensuring access to affordable medicines. The governmentโ€™s decision to cut the health budget by RM3.06 billion, together with a proposed move by the Ministry of Health, risks worsening the situation.

In April, the National Pharmaceutical Regulatory Agency (NPRA) opened a public consultation on its proposed โ€˜Guideline on Implementation of Patent Linkage for Pharmaceutical Products in Malaysiaโ€™, presented as fulfilling an obligation under the Comprehensive and Progressive Agreement for Trans-Pacific Partnership (CPTPP). Although framed as procedural, the guidelineโ€™s implications run far deeper and threatens timely generic entry, medicine affordability and public health.

Read more: PRESS RELEASE: MOHโ€™S PROPOSED PATENT LINKAGE GUIDELINE RISKS HIGHER MEDICINE PRICES AND DELAYED...

PRESS RELEASE: ON THE PROPOSED GUIDELINES ON IMPLEMENTATION OF PATENT LINKAGE FOR PHARMACEUTICAL PRODUCTS IN MALAYSIA

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Created: 04 May 2026

260402 fomca logoMalaysia is facing a growing healthcare affordability crisis. Rising out-of-pocket (OOP) expenditure, coupled with the increasing prevalence of non-communicable diseases (NCDs) such as cancer, diabetes, and cardiovascular diseases, is placing a significant financial strain on consumers. The proposed Patent Linkage Guidelines risk delaying access to affordable generic medicines, thereby worsening medicine affordability and consumer welfare.

WHY THIS MATTERS TO CONSUMERS

Medicine prices in Malaysia have consistently increased over time, with no clear evidence of price reductions. At the same time, capacity constraints in public healthcare are pushing more consumers toward higher-cost private care. As a result, many households especially those in the B40 and M40 groups are facing significant out-of-pocket expenses. Additionally, the lack of timely availability of generic alternatives means that high prices persist longer, limiting access to necessary treatment. Higher prices lead to delayed or skipped treatment, as many consumers are unable to afford the medicines they need. This, in turn, contributes to financial hardship, especially for lower- and middle-income households. Ultimately, these challenges result in poorer health outcomes due to lack of timely and adequate care.

Read more: PRESS RELEASE: ON THE PROPOSED GUIDELINES ON IMPLEMENTATION OF PATENT LINKAGE FOR PHARMACEUTICAL...

Beyond business, ESG must be a national commitment

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Created: 30 April 2026

20260430 ravindranRather than a trendy acronymn, ESG is a moral stress test of how a nation treats its people and its future, and right now, Malaysia is in danger of failing that test where it hurts most.

We expound the importance of the environment, social and governance (ESG) framework and draft strategic plans to impress investors.

But the proof of ESG is not on powerpoint slides. It is on our streets, at schools, in kampungs and low-cost flats, where people get left behind or are never counted.

In that context, applying ESG scrutiny to race relations, education, housing, and jobs is just our โ€œESG agendaโ€, not reform.

https://www.freemalaysiatoday.com/category/opinion/2026/04/30/beyond-business-esg-must-be-a-national-commitment

Read more: Beyond business, ESG must be a national commitment

Chief Statistician urges Malaysians to rebuild discipline, warning QR payments make saving harder than ever

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Created: 30 April 2026

20260430 qr

KUALA LUMPUR, April 29 โ€” From stamp books and post office savings to instant QR payments, Malaysiansโ€™ relationship with money has shifted dramatically โ€” and not necessarily for the better.

That is the candid view of Chief Statistician Datuk Seri Mohd Uzir Mahidin, who said the convenience of digital payments may be quietly eroding the discipline that once defined how Malaysians saved.

Speaking alongside the release of the National Transfer Accounts (NTA) 2022 by the Department of Statistics Malaysia, Uzir reflected on how earlier generations were conditioned to save from a young age โ€” often through simple but consistent habits.

โ€œWhen we were in school, there was already a concept of saving. Teachers would bring stamp books, and if we didnโ€™t spend our money, we would paste the stamps and save. At the time, there werenโ€™t many banks around.

https://share.google/kXYOg6YAbItCQ293X

Read more: Chief Statistician urges Malaysians to rebuild discipline, warning QR payments make saving harder...

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  15. Malaysia microplastics crisis driven by domestic waste and poor recycling habits

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MAJALAH RINGGIT

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๐Œ๐€๐‰๐€๐‹๐€๐‡ ๐‘๐ˆ๐๐†๐†๐ˆ๐“ ๐„๐ƒ๐ˆ๐’๐ˆ ๐ƒ๐ˆ๐†๐ˆ๐“๐€๐‹ ๐Ÿ“ฒ
๐๐ข๐ฅ ๐Ÿ - ๐‰๐ฎ๐ฅ๐š๐ข ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ“
๐Ÿ‘‰ https://rebrand.ly/Ringgit0014


๐ƒ๐€๐๐€๐“๐Š๐€๐ ๐ˆ๐๐…๐Ž & ๐“๐ˆ๐ ๐Š๐„๐–๐€๐๐†๐€๐ ๐“๐„๐‘๐Š๐ˆ๐๐ˆ ๐’๐„๐‚๐€๐‘๐€ ๐ƒ๐ˆ๐†๐ˆ๐“๐€๐‹
๐Œ๐€๐‰๐€๐‹๐€๐‡ ๐ƒ๐ˆ๐†๐ˆ๐“๐€๐‹ ๐‘๐ˆ๐๐†๐†๐ˆ๐“ adalah usahasama Gabungan Persatuan-Persatuan Pengguna Malaysia (FOMCA) dan Agensi Kaunseling dan Pengurusan Kredit (AKPK) untuk menyampaikan pendidikan kewangan kepada anda.

๐Ÿ“š Baca & Muat Turun kesemua edisi RINGGIT melalui pautan:
https://rebrand.ly/Ringgit001-pusatsumber

MAJALAH CEKAP

CEKAP07 CoverSM 01

MAJALAH CEKAP
Edisi 7 - JANUARI 2025

https://rebrand.ly/CEKAP07


Mahukan tip pengurusan dan kecekapan tenaga?

Dapatkan CEKAP terbitan FOMCA serta Tenaga Nasional Berhad (TNB) untuk rujukan anda. 

Baca & Muat Turun kesemua edisi CEKAP melalui pautan di bawah:

https://rebrand.ly/CEKAP-pusatsumber

MAJALAH GENERASI PENGGUNA

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MAJALAH GENERASI PENGGUNA
EDISI 2024

MAJALAH GENERASI PENGGUNA EDISI 2024


Mahukan tip dan maklumat pengurusan kewangan?

Dapatkan majalah GENERASI PENGGUNA terbitan FOMCA serta KEMENTERIAN PERDAGANGAN DALAM NEGERI DAN KOS SARA HIDUP (KPDN) untuk rujukan anda. 

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