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Perhatian tertumpu kepada BNM esok

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Created: 07 July 2020

bh berita harian vector logoIsnin, 6 Julai 2020 | 5:49pm
KUALA LUMPUR: Hasil mesyuarat Jawatankuasa Dasar Monetari (MPC) Bank Negara Malaysia (BNM) esok akan diperhatikan dengan penuh minat untuk mendapatkan penilaian terkini mengenai kedudukan ekonomi negara.

Reaksi berbeza diterima daripada ahli ekonomi berhubung keputusan sama ada untuk mengekal atau menurunkan kadar dasar semalaman (OPR), yang menjadi penanda aras kadar faedah pinjaman, ke paras terendah dalam sejarah.

Ketua Ahli Ekonomi Bank Islam Malaysia Bhd, Dr Mohd Afzanizam Abdul Rashid, berkata beliau berpendapat OPR bakal dikekalkan pada kadar 2.0 peratus.

Katanya, tanda pemulihan ekonomi mula kelihatan seperti peningkatan jualan kenderaan kepada 22,960 unit pada Mei lalu berbanding 141 unit pada April, yang mana angka itu adalah paras terendah dalam sejarah.

"Selain itu, sentimen perniagaan yang ditunjukkan oleh Indeks Pengurus Pembelian (PMI) bagi bulan Jun sudah pun melepasi paras 50 mata. Ini bermakna, peniaga berasa optimistik setelah kegiatan ekonomi beransur-ansur dibuka pada awal Mei lalu.

Read more: Perhatian tertumpu kepada BNM esok

'Aksesori bahayakan nyawa'

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Created: 07 July 2020

bh berita harian vector logoIsnin, 6 Julai 2020 | 1:00pm
KUALA LUMPUR: Pelbagai aksesori kenderaan yang menjadi kegilaan pemandu kini, hanya kerana mudah dipasang dan kelihatan cantik, tanpa menyedari ia berisiko mencetuskan kemalangan dan meragut nyawa sendiri.

Permintaan tinggi menyaksikan, aksesori kenderaan sama ada yang mematuhi undang-undang atau sebaliknya, dijual secara meluas dalam pasaran termasuk di kedai serbaneka dan dalam talian.

Antara aksesori dikenal pasti berbahaya oleh Institut Penyelidikan Keselamatan Jalan Raya Malaysia (MIROS) ialah 'dummy buckle' atau alat nyah aktif penggera tali keledar, kerusi keselamatan kanak-kanak (CRS) mudah alih, lapisan cermin gelap pekat dan penggunaan lampu utama serta belakang yang diubah suai.

Ketua Pengarah MIROS, Dr Khairil Anwar Abu Kassim, berkata 'trend' terbaharu dikesan pihaknya dalam kalangan pemandu kenderaan adalah penggunaan aksesori nyah aktif penggera tali keledar yang boleh didapati pada harga serendah RM2 di kedai serbaneka atau portal beli-belah dalam talian.

Mereka menggunakan aksesori ini untuk untuk menghentikan sistem bunyi peringatan daripada mengenakan tali keledar di dalam kereta.

Read more: 'Aksesori bahayakan nyawa'

RM7bil sought under 12MP to resolve Kelantan's water woes

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Created: 06 July 2020

The Star Vector Logo 720x340Sunday, 05 Jul 2020 l 4:00 PM MYT
KOTA BARU (Bernama): The Environment and Water Ministry will seek a RM7bil allocation under the 12th Malaysia Plan (12MP) from the Federal Government to resolve water issues in Kelantan holistically.

Its minister, Datuk Tuan Ibrahim Tuan Man said this involved three major areas, namely, flood mitigation including the construction of four new dams; replacement of water pipes which are more than 40 years old to reduce non-revenue water; as well as upgrading plants and integrated sewage projects.

"The decision was made after taking into consideration the increasing population and to settle water supply problems in Kelantan for the next 30 to 40 years.

"By 2030, we are confident 95% of the water supply problems in the state will be resolved, ” he said after a meeting with Kelantan Mentri Besar Datuk Ahmad Yakob at Kota Darul Naim Complex here Sunday (July 5).

Also present were the state Public Works, Infrastructure, Transportation and Utilities Committee chairman Datuk Azami Mohd Nor and Ministry secretary-general Datuk Seri Dr Zaini Ujang.

Read more: RM7bil sought under 12MP to resolve Kelantan's water woes

Pain now, profit later with longer moratorium, says analyst

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Created: 05 July 2020

July 5, 2020 8:00 AM

PETALING JAYA: An economist has stated his support for an extension to the six-month moratorium on bank loans, calling on banking institutions to see “the bigger picture” although they might suffer for a while.

Carmelo Ferlito, senior fellow of the Institute for Democracy and Economic Affairs, said helping businesses and households under financial stress to get back on track would pay off in the long run.

The extension of the moratorium might be the best way to prevent customers from defaulting on loans, as banks would lose their credit rating if customers default.

“A moratorium extension could be the best way for the banks to ensure future cash flow; a delay is better than a deletion. In the short run, the extension may create troubles for banks, sure. But it could be the way to grant that profitability comes back in the near future,” he told FMT.

Read more: Pain now, profit later with longer moratorium, says analyst

MTUC slams BNM, Finance Ministry for 'mollycoddling' banks

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Created: 04 July 2020

July 4, 2020 @ 2:11pm

KUALA LUMPUR: Banks must be compelled to extend their Covid-19 loan moratorium for Malaysian consumers and businesses by six months, as failure to do so will see a record number of forfeitures.

Malaysian Trades Union Congress (MTUC) secretary-general J. Solomon said the government and Bank Negara Malaysia (BNM) must implement the extension, as many are unable to service their loans under current conditions.

He said this includes the 800,000 workers who lost their jobs in April, and the thousands more who were forced to go on unpaid leave or take pay cuts.

"There should not be any doubt on the part of the government, especially the Finance Ministry and BNM, that a large slice of the workforce is far from ready to resume servicing their car and housing loans.

Read more: MTUC slams BNM, Finance Ministry for 'mollycoddling' banks

Extend loan repayment moratorium, MTUC tells government

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Created: 04 July 2020

Saturday, 04 Jul 2020 11:10 AM MYT

KUALA LUMPUR, July 4 ― The Malaysian Trades Union Congress (MTUC) has urged the Finance Ministry and Bank Negara Malaysia (BNM) to ask banks to consider extending the moratorium on loan repayments by at least another six months.

In a statement today, MTUC secretary-general J. Solomon said this was needed especially for targeted groups who are still unable to service loans such as for housing and vehicles.

“For banks to adopt a ‘business as usual’ attitude and expect workers who are still mired in job losses and with little or no income, to resume paying their loans, is a downright  cruel and inhumane act against the borrowers,” he  said referring to many of the 800,000 workers who lost their jobs up until April this year while thousands more were forced to take deep pay cuts or go on unpaid leave.

Citing official statistics, Solomon said it clearly showed that many workers have been rendered unemployed due to the economic downturn caused by the Covid-19 pandemic.

Read more: Extend loan repayment moratorium, MTUC tells government

Consumer groups laud move to extend electricity discount

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Created: 03 July 2020

nstJuly 3, 2020 @ 11:24am
KUALA LUMPUR: Consumer associations believe that the government's move to extend the discount for electricity use for domestic users until the end of the year will greatly help people cope with financial difficulties.

However, they also believe that it was incumbent on the people to adapt to the new normal and manage their energy consumption.

Federation of Malaysian Consumers Associations (Fomca) chief operating officer, Saravanan Thambirajah, said the move would benefit the public, especially those who had been financially hit by the effects of the Covid-19 pandemic.

He said the move came on the heels of several government announcements to help people, including the National Economic Stimulus Package, Bantuan Prihatin and the Bantuan Prihatin Elektrik.

"We've seen retrenchments take place. People are losing their sources of income, so this will help them survive for at least the next six months.

"Consumers will benefit from this discount extension, in which they will not see any surcharge on their electricity bills. With this move, people will have extra money and able to use it for other purposes."

The Energy and Natural Resources Ministry, in a statement yesterday, announced that discounts for electricity usage for domestic users would be extended until the end of the year.

Read more: Consumer groups laud move to extend electricity discount

Black market a drag on Malaysia’s economy

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Created: 03 July 2020

TMR e1583488279812Thursday, July 2nd, 2020 
IN a recent investigative expose on how fake goods in Malaysia are putting lives in danger, it was reported that this country had the “biggest market” for counterfeit liquor.

A municipal councillor in Penang who has been spearheading a movement against bootleg alcohol for the past six years, P David Marshel, shared that many people found the original products expensive.

Priced out of their budget, they turn to moonshine options which are 70% to 80% cheaper. 
Malaysia also ranked number one globally for trading in illegal cigarettes (59%), followed by Brazil (50%), according to an Oxford Economics report titled The Economics of the Illicit Tobacco Trade in Malaysia (June 2019).

However, these figures have since increased to 65%, meaning seven out of 10 cigarettes sold in this country are illegal. Approximately 12.2 billion illegal sticks were estimated to have been sold and consumed here in 2019 alone.

This is an alarming ratio, given the latest World Health Organisation (WHO) statistics which stated that one in every 10 cigarettes and tobacco products consumed globally is estimated to be illicit, with a total of 132 billion illicit cigarettes consumed over 57 countries.

Yet, Malaysia remains a well-known shopping haven, especially for those seeking “branded luxury” goods.

Read more: Black market a drag on Malaysia’s economy

88 peratus pilih moratorium - AKPK

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Created: 03 July 2020

astro awaniJulai 03, 2020 07:00
KUALA LUMPUR: Sebanyak 88 peratus atau 2,342 daripada 2,661 responden undian dalam talian yang dijalankan oleh Agensi Kaunseling dan Pengurusan Kredit (AKPK) memilih untuk mengambil moratorium atau penangguhan bayaran balik kewangan yang diperkenalkan oleh Bank Negara.

Ketua Unit Pembangunan Modul Jabatan Pendidikan Kewangan AKPK Nirmala Supramaniam berkata daripada jumlah yang memilih moratorium itu, 48 peratus atau 1,124 responden mahu mewujudkan simpanan waktu kecemasan.
"Ada juga yang mengambil moratorium ini untuk menggunakan duit tersebut membeli keperluan harian 21 peratus (491), pelaburan 16 peratus (375), membuat pinjaman yang lebih rendah 11 peratus (258) dan empat peratus (94) tiada perancangan.

"Bagaimanapun undian ini tidak mengambarkan keseluruhan situasi sebenar kerana ia hanya undian secara rawak yang dilakukan dalam talian melalui Faceboook AKPK dan microsite AKPK, #askAKP dari April hingga Mei lepas," katanya kepada Bernama selepas menjadi tetamu program Ruang Bicara, terbitan Bernama TV, malam tadi.

Dalam pada itu, Nirmala berkata kajian AKPK turut mendapati tahap tekanan kewangan meningkat sebanyak 35 peratus dalam kalangan golongan yang bekerja dalam tempoh Perintah Kawalan Pergerakan (PKP) baru-baru ini.

Read more: 88 peratus pilih moratorium - AKPK

What Happens To Your Home Loan If You Lose Your Job?

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Created: 03 July 2020

PropertyGuru picks Text100 to be agency of record in Singapore ...26 June 2020
Depending on whether you had some sort of preparation for the possibility of suddenly losing your job, there are two possible outcomes you can expect. Read on to find out more!
The idea of losing your job is already a scary enough thought if you’re single and living on your own. Imagine the terror that person will have if they have a family to support AND a home loan to pay off!

The decision to purchase a property is a serious financial commitment that isn’t to be taken lightly. It’ll tie you to regular monthly payments for the next 30 years or more, so if your source of income is suddenly taken away, you’re in for a rough ride.

With the COVID-19 pandemic having a severe impact on the global economy, and countless businesses shutting down or scaling back on staff, the prediction that more than 2 million Malaysians would be jobless in 2020 is a very serious matter.

Now, what will happen to your home loan and more importantly, the dream property that you’ve been saving up for, if you end up unemployed? We’re going to be taking a look at both the good and the bad news, so read on to find out.

 

The Good News
First up, don’t immediately panic. Under normal circumstances, you should be able to approach your lender in order to work out a plan to still keep your home.

Read more: What Happens To Your Home Loan If You Lose Your Job?

  1. Gov’t extends electricity bill discount to Dec 31 for all domestic users
  2. TNB: Domestic customers will get BPE details in their July bill
  3. Smart meters to monitor electricity usage
  4. Businessman regrets buying second-hand MPV
  5. Impian Percutian Musnah Ditipu Sindiket Pelancongan - NCCC
  6. MyKNP Sediakan Khidmat Nasihat untuk Pembiayaan
  7. FDA advises consumers not to use hand sanitizer products manufactured by Eskbiochem
  8. Pelarasan ICPT pastikan pengguna dapat harga elektrik adil
  9. Consumers risk bankruptcy if loan moratorium not extended
  10. Bank dijangka putuskan lanjutan moratorium selepas September
  11. Helah Macau Scam, pesara rugi RM3.8 juta
  12. Scam victim sues HSBC for negligence, claims bank should have alerted him of possible fraud
  13. Kelebihan dan kekurangan kereta terpakai vs kereta baru — panduan lengkap untuk pembeli di Malaysia
  14. RUU COVID-19: Hak pengguna, pembeli rumah perlu dilindungi
  15. Lanjutan moratorium: Golongan B40, M40 dapat bernafas semula tetapi... - Penganalisis

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MAJALAH DIGITAL RINGGIT adalah usahasama Gabungan Persatuan-Persatuan Pengguna Malaysia (FOMCA) dan Bank Negara Malaysia (BNM) untuk menyampaikan pendidikan kewangan kepada anda.

Ringgit akan diterbitkan 2 bulan sekali bermula pada Februari 2022.

FOMCA WEB SERIES - EPISODE 1 - PENIPUAN KEWANGAN


WEB SERIES merupakan program pendidikan pengguna mengenai tips perlindungan diri daripada penipuan perbankan, penipuan pelaburan serta penipuan yang lain. FOMCA akan bekerjasama dengan pihak berkuasa yang berkaitan untuk membangunkan bahan pendidikan tersebut.

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