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In the News
RECENT headlines, international and local, recall a very dark past for Malaysia and other so-called Asian Tigers.
Twenty years ago, Malaysia and other Asian nations were caught up in the turmoil of a currency crisis that swept across the continent, battering economies, pushing millions into poverty and forcing governments to seek emergency aid.
The 1997 Asian Financial Crisis sent currencies and stock markets tumbling, companies went bankrupt and governments like Thailand and South Korea were forced to seek bailouts from the International Monetary Fund.
Malaysians of the Baby Boomer and Gen X years recall the crisis as a period when the good times came to an end and we were forced into adopting severe austerity measures. But 20 years down the line, former Bank Negara Governor Tan Sri Zeti Akhtar Aziz feels that the country is in a much stronger position to withstand a similar crisis.
“We now have an integrated crisis management framework that, in the event that we see an imminent crisis, we will come together – whether it’s financial crisis in financial markets or whether it’s affecting financial institutions – we will come together to manage it collectively. So this is one very positive legacy that has come out of the crisis,” Zeti told StarBiz in a recent interview.
But while the country itself has safeguards that may enable it to withstand a similar financial meltdown, I am less positive about the younger generation, specifically our millennials – the early 30s and below age group.
Statistics show that there is an unprecedented debt accumulation amongst Malaysia’s millennials or Gen Ys. These young people are experiencing significant financial stress early in their life, with many living beyond their means and trapped in emotional spending, according to a study by the Asian Institute of Finance (AIF).
The survey showed a majority of Gen Ys were relying on high-cost borrowing, with 38% reported to be taking personal loans and 47% engaged in expensive credit card borrowings, while only 28% felt confident in their financial literacy.
It also showed that an alarming 75% of Gen Ys have at least one source of long-term debt such as car loans, education loans and mortgages, while 70% of those who own credit cards tended to pay the minimum monthly payment and 45% did not pay debt on time at some point.
“Despite being the most educated generation to date, Gen Ys are accruing debt at an earlier age and lack understanding when it comes to financial planning,” said AIF chief executive officer Dr Raymond Madden, when commenting on the study.
“Many of them are on the back foot when it comes to long-term financial security, as they accrue debt before they even enter their professional careers.
“With the ever-increasing complexity and diversity in financial products and markets, the millennials are more likely to bear more financial risk than previous generations, pointing to a critical need for behavioural changes in money management.”
The AIF report, themed “Finance Matters: Understanding Gen Y –Bridging the Knowledge Gap of Malaysia’s Millennials”, was based on a survey of over 1,000 young professionals aged between 20 and 33 years old.
Today, Malaysia and other Asean nations are much better off, given that the experience they went through has made these countries much more prudent and wiser in terms of managing another potential financial crisis.
However, I wonder if our young adult Malaysians are ready for a financial crisis, given that all the economies in the world go through a cyclical situation.
Even if our economy does not go through a crisis, I am concerned that young Malaysians have very, very little financial prudence. It is disturbing that the number of bankruptcy cases and financially distressed young adults is on the rise in Malaysia.
Bank Negara’s debt counselling agency, AKPK, has recorded an alarming increase in young people joining its debt management programme. Half-yearly figures show that almost 3,500 Malaysian Gen Ys have sought AKPK’s assistance, compared to about 4,500 people for the whole of 2016.
“On one hand, we welcome these millennials seeking our advice to restructure their personal debt, but the yearly increase in the number of young people who are getting into debt is worrying,” the agency’s corporate communications head Mohamad Khalil Jamaldin told me.
Khalil said that while his agency does provide free financial education classes, he believes that it is important that the young should be taught financial prudence from an early age and especially when they are in university.
I am sure AKPK is doing an excellent job in assisting our millennials, but I wonder if that is the solution. Parents need to play a greater role in educating their children and middle-class parents especially, who seem to be bent on giving their kids everything while not preparing them for tough situations, should stop the hand-outs.
The old adage comes to mind – cut your coat according to your cloth.
The writer, Mr Brian Martin agrees with Dr Madden, that managing money well and making sound financial decisions are essential life skills that must be learned over a lifetime, to ensure financial fitness in the future.
Source: The Star Online | 14 July 2017
Millennials facing financial w...
Jul 14, 2017 | TheStarOnline
RECENT headlines, international and local, recall a very dark past for Malaysia and other so-called Asian Tigers.
Twenty years ago, Malaysia and other Asian nations were caught up in the turmoil of a currency crisis that swept across the continent, battering economies, pushing millions into poverty and forcing governments to seek emergency aid.
The 1997 Asian Financial Crisis sent currencies and stock markets tumbling, companies went bankrupt and governments like Thailand and South Korea were forced to seek bailouts from the International Monetary Fund.
Malaysians of the Baby Boomer and Gen X years recall the crisis as a period when the good times came to an end and we were forced into adopting severe austerity measures. But 20 years down the line, former Bank Negara Governor Tan Sri Zeti Akhtar Aziz feels that the country is in a much stronger position to withstand a similar crisis.
“We now have an integrated crisis management framework that, in the event that we see an imminent crisis, we will come together – whether it’s financial crisis in financial markets or whether it’s affecting financial institutions – we will come together to manage it collectively. So this is one very positive legacy that has come out of the crisis,” Zeti told StarBiz in a recent interview.
But while the country itself has safeguards that may enable it to withstand a similar financial meltdown, I am less positive about the younger generation, specifically our millennials – the early 30s and below age group.
Statistics show that there is an unprecedented debt accumulation amongst Malaysia’s millennials or Gen Ys. These young people are experiencing significant financial stress early in their life, with many living beyond their means and trapped in emotional spending, according to a study by the Asian Institute of Finance (AIF).
The survey showed a majority of Gen Ys were relying on high-cost borrowing, with 38% reported to be taking personal loans and 47% engaged in expensive credit card borrowings, while only 28% felt confident in their financial literacy.
It also showed that an alarming 75% of Gen Ys have at least one source of long-term debt such as car loans, education loans and mortgages, while 70% of those who own credit cards tended to pay the minimum monthly payment and 45% did not pay debt on time at some point.
“Despite being the most educated generation to date, Gen Ys are accruing debt at an earlier age and lack understanding when it comes to financial planning,” said AIF chief executive officer Dr Raymond Madden, when commenting on the study.
“Many of them are on the back foot when it comes to long-term financial security, as they accrue debt before they even enter their professional careers.
“With the ever-increasing complexity and diversity in financial products and markets, the millennials are more likely to bear more financial risk than previous generations, pointing to a critical need for behavioural changes in money management.”
The AIF report, themed “Finance Matters: Understanding Gen Y –Bridging the Knowledge Gap of Malaysia’s Millennials”, was based on a survey of over 1,000 young professionals aged between 20 and 33 years old.
Today, Malaysia and other Asean nations are much better off, given that the experience they went through has made these countries much more prudent and wiser in terms of managing another potential financial crisis.
However, I wonder if our young adult Malaysians are ready for a financial crisis, given that all the economies in the world go through a cyclical situation.
Even if our economy does not go through a crisis, I am concerned that young Malaysians have very, very little financial prudence. It is disturbing that the number of bankruptcy cases and financially distressed young adults is on the rise in Malaysia.
Bank Negara’s debt counselling agency, AKPK, has recorded an alarming increase in young people joining its debt management programme. Half-yearly figures show that almost 3,500 Malaysian Gen Ys have sought AKPK’s assistance, compared to about 4,500 people for the whole of 2016.
“On one hand, we welcome these millennials seeking our advice to restructure their personal debt, but the yearly increase in the number of young people who are getting into debt is worrying,” the agency’s corporate communications head Mohamad Khalil Jamaldin told me.
Khalil said that while his agency does provide free financial education classes, he believes that it is important that the young should be taught financial prudence from an early age and especially when they are in university.
I am sure AKPK is doing an excellent job in assisting our millennials, but I wonder if that is the solution. Parents need to play a greater role in educating their children and middle-class parents especially, who seem to be bent on giving their kids everything while not preparing them for tough situations, should stop the hand-outs.
The old adage comes to mind – cut your coat according to your cloth.
The writer, Mr Brian Martin agrees with Dr Madden, that managing money well and making sound financial decisions are essential life skills that must be learned over a lifetime, to ensure financial fitness in the future.
Source: The Star Online | 14 July 2017
Jul 14, 2017 | TheStarOnline
Read More
RECENT headlines, international and local, recall a very dark past for Malaysia and other so-called Asian Tigers.
Twenty years ago, Malaysia and other Asian nations were caught up in the turmoil of a currency crisis that swept across the continent, battering economies, pushing millions into poverty and forcing governments to seek emergency aid.
The 1997 Asian Financial Crisis sent currencies and stock markets tumbling, companies went bankrupt and governments like Thailand and South Korea were forced to seek bailouts from the International Monetary Fund.
Malaysians of the Baby Boomer and Gen X years recall the crisis as a period when the good times came to an end and we were forced into adopting severe austerity measures. But 20 years down the line, former Bank Negara Governor Tan Sri Zeti Akhtar Aziz feels that the country is in a much stronger position to withstand a similar crisis.
“We now have an integrated crisis management framework that, in the event that we see an imminent crisis, we will come together – whether it’s financial crisis in financial markets or whether it’s affecting financial institutions – we will come together to manage it collectively. So this is one very positive legacy that has come out of the crisis,” Zeti told StarBiz in a recent interview.
But while the country itself has safeguards that may enable it to withstand a similar financial meltdown, I am less positive about the younger generation, specifically our millennials – the early 30s and below age group.
Statistics show that there is an unprecedented debt accumulation amongst Malaysia’s millennials or Gen Ys. These young people are experiencing significant financial stress early in their life, with many living beyond their means and trapped in emotional spending, according to a study by the Asian Institute of Finance (AIF).
The survey showed a majority of Gen Ys were relying on high-cost borrowing, with 38% reported to be taking personal loans and 47% engaged in expensive credit card borrowings, while only 28% felt confident in their financial literacy.
It also showed that an alarming 75% of Gen Ys have at least one source of long-term debt such as car loans, education loans and mortgages, while 70% of those who own credit cards tended to pay the minimum monthly payment and 45% did not pay debt on time at some point.
“Despite being the most educated generation to date, Gen Ys are accruing debt at an earlier age and lack understanding when it comes to financial planning,” said AIF chief executive officer Dr Raymond Madden, when commenting on the study.
“Many of them are on the back foot when it comes to long-term financial security, as they accrue debt before they even enter their professional careers.
“With the ever-increasing complexity and diversity in financial products and markets, the millennials are more likely to bear more financial risk than previous generations, pointing to a critical need for behavioural changes in money management.”
The AIF report, themed “Finance Matters: Understanding Gen Y –Bridging the Knowledge Gap of Malaysia’s Millennials”, was based on a survey of over 1,000 young professionals aged between 20 and 33 years old.
Today, Malaysia and other Asean nations are much better off, given that the experience they went through has made these countries much more prudent and wiser in terms of managing another potential financial crisis.
However, I wonder if our young adult Malaysians are ready for a financial crisis, given that all the economies in the world go through a cyclical situation.
Even if our economy does not go through a crisis, I am concerned that young Malaysians have very, very little financial prudence. It is disturbing that the number of bankruptcy cases and financially distressed young adults is on the rise in Malaysia.
Bank Negara’s debt counselling agency, AKPK, has recorded an alarming increase in young people joining its debt management programme. Half-yearly figures show that almost 3,500 Malaysian Gen Ys have sought AKPK’s assistance, compared to about 4,500 people for the whole of 2016.
“On one hand, we welcome these millennials seeking our advice to restructure their personal debt, but the yearly increase in the number of young people who are getting into debt is worrying,” the agency’s corporate communications head Mohamad Khalil Jamaldin told me.
Khalil said that while his agency does provide free financial education classes, he believes that it is important that the young should be taught financial prudence from an early age and especially when they are in university.
I am sure AKPK is doing an excellent job in assisting our millennials, but I wonder if that is the solution. Parents need to play a greater role in educating their children and middle-class parents especially, who seem to be bent on giving their kids everything while not preparing them for tough situations, should stop the hand-outs.
The old adage comes to mind – cut your coat according to your cloth.
The writer, Mr Brian Martin agrees with Dr Madden, that managing money well and making sound financial decisions are essential life skills that must be learned over a lifetime, to ensure financial fitness in the future.
Source: The Star Online | 14 July 2017
THE bread-and-butter issue has been on the lips of many. It has been going on for quite some time. Some are stressed out over it. Others are totally overwhelmed.
We are all in the new economic order of higher living costs. One question lingers. Can we all cope? Yes, we can as long as we can overcome the victim and captive mentality.
We can adapt to this new (ab)normal economic age. It’s seen as disruptive but we can do something with a little elastic and flexible mindset plus some contingency approach.
How capable is our brain in facing the above? The higher living cost will devastate and engulf those who are into impoverished thinking. They will think the same thing every day. It’s repetitive and can be mostly negative. It sounds like a broken record. They may have fallen into bad mental habits.
In contrast, what if we think the opposite? Impoverished thinking transformed into abundant thinking? When this happens, our minds transcend limitations. Our consciousness expands in every direction. Dormant forces, faculties and talents become alive. We will be strongly inspired and not cowed by the burden of cost of living.
Remember those tiny yellow stickie that we stick on our PC monitor or office table? Start writing. Think of all that you want and all that you can do. Jumpstart your imagination.
Next, take action. Let’s see how others who have taken the first step fare. Folks are driving Uber and Grabcar to earn extra bucks. The yuppies are into investment for the money. The Star Online article “More young investors entering into Malaysian market” (May 3) reported that there was a 36% jump in the number of Central Depository System (CDS) account holders in the age group of 25 years old and below. This age group is the fastest growing band among CDS holders in 2016 with a total of 27,252 account holders as at Dec 31, 2016.
I have seen people earning incomes by selling pastry via social media. I have a graphic designer friend who teaches art class over the weekend. The list can go on and on. Look within ourselves. How can we use our talent for extra income?
Now, how can one install the lockdown on different canals of funds outflow? Napoleon Hill (1883 to 1970), an American self-help author who is well known for his book Think and Grow Rich, which is among the top 10 best selling self-help books of all time, was famous for studying the habits of the rich and famous.
Be a Napoleon Hill of frugality, minimalism and savings. Go to a supermarket. Study the buying habits. Are people buying necessities or the unnecessary? Can we differentiate?
Learning from experience works effectively. Hop onto a bus bound for a kampung. Learn about the simple life of the kampung people. What is on their expenditure list and how do they manage? Go to the nearest bookstore. Check out the books on personal finance. Consult a professional. Go to the Credit Counselling and Debt Management Agency (AKPK) if you need to. The journey of discovery will be an enlightening process. The key is taking the first step. Always remember that.
And it’s time to rethink happiness. Does it mesh well with the reality of living and the current and near-term economic situation? What if somebody told you that authentic happiness has something to do with living within our means? By this I mean living with less and manageable debts, limited financial obligations, delaying buying big ticket items, having emergency funds, etc. These can all be a form of happiness too.
The key is being flexible with our happiness goals. Financial happiness is in our hands. It’s your choice.
EDWARD WONG
Menglembu, Perak
Source: The Star Online | 27 June 2017
Use talent to earn extra incom...
Jun 27, 2017 | TheStarOnline
THE bread-and-butter issue has been on the lips of many. It has been going on for quite some time. Some are stressed out over it. Others are totally overwhelmed.
We are all in the new economic order of higher living costs. One question lingers. Can we all cope? Yes, we can as long as we can overcome the victim and captive mentality.
We can adapt to this new (ab)normal economic age. It’s seen as disruptive but we can do something with a little elastic and flexible mindset plus some contingency approach.
How capable is our brain in facing the above? The higher living cost will devastate and engulf those who are into impoverished thinking. They will think the same thing every day. It’s repetitive and can be mostly negative. It sounds like a broken record. They may have fallen into bad mental habits.
In contrast, what if we think the opposite? Impoverished thinking transformed into abundant thinking? When this happens, our minds transcend limitations. Our consciousness expands in every direction. Dormant forces, faculties and talents become alive. We will be strongly inspired and not cowed by the burden of cost of living.
Remember those tiny yellow stickie that we stick on our PC monitor or office table? Start writing. Think of all that you want and all that you can do. Jumpstart your imagination.
Next, take action. Let’s see how others who have taken the first step fare. Folks are driving Uber and Grabcar to earn extra bucks. The yuppies are into investment for the money. The Star Online article “More young investors entering into Malaysian market” (May 3) reported that there was a 36% jump in the number of Central Depository System (CDS) account holders in the age group of 25 years old and below. This age group is the fastest growing band among CDS holders in 2016 with a total of 27,252 account holders as at Dec 31, 2016.
I have seen people earning incomes by selling pastry via social media. I have a graphic designer friend who teaches art class over the weekend. The list can go on and on. Look within ourselves. How can we use our talent for extra income?
Now, how can one install the lockdown on different canals of funds outflow? Napoleon Hill (1883 to 1970), an American self-help author who is well known for his book Think and Grow Rich, which is among the top 10 best selling self-help books of all time, was famous for studying the habits of the rich and famous.
Be a Napoleon Hill of frugality, minimalism and savings. Go to a supermarket. Study the buying habits. Are people buying necessities or the unnecessary? Can we differentiate?
Learning from experience works effectively. Hop onto a bus bound for a kampung. Learn about the simple life of the kampung people. What is on their expenditure list and how do they manage? Go to the nearest bookstore. Check out the books on personal finance. Consult a professional. Go to the Credit Counselling and Debt Management Agency (AKPK) if you need to. The journey of discovery will be an enlightening process. The key is taking the first step. Always remember that.
And it’s time to rethink happiness. Does it mesh well with the reality of living and the current and near-term economic situation? What if somebody told you that authentic happiness has something to do with living within our means? By this I mean living with less and manageable debts, limited financial obligations, delaying buying big ticket items, having emergency funds, etc. These can all be a form of happiness too.
The key is being flexible with our happiness goals. Financial happiness is in our hands. It’s your choice.
EDWARD WONG
Menglembu, Perak
Source: The Star Online | 27 June 2017
Jun 27, 2017 | TheStarOnline
Read More
THE bread-and-butter issue has been on the lips of many. It has been going on for quite some time. Some are stressed out over it. Others are totally overwhelmed.
We are all in the new economic order of higher living costs. One question lingers. Can we all cope? Yes, we can as long as we can overcome the victim and captive mentality.
We can adapt to this new (ab)normal economic age. It’s seen as disruptive but we can do something with a little elastic and flexible mindset plus some contingency approach.
How capable is our brain in facing the above? The higher living cost will devastate and engulf those who are into impoverished thinking. They will think the same thing every day. It’s repetitive and can be mostly negative. It sounds like a broken record. They may have fallen into bad mental habits.
In contrast, what if we think the opposite? Impoverished thinking transformed into abundant thinking? When this happens, our minds transcend limitations. Our consciousness expands in every direction. Dormant forces, faculties and talents become alive. We will be strongly inspired and not cowed by the burden of cost of living.
Remember those tiny yellow stickie that we stick on our PC monitor or office table? Start writing. Think of all that you want and all that you can do. Jumpstart your imagination.
Next, take action. Let’s see how others who have taken the first step fare. Folks are driving Uber and Grabcar to earn extra bucks. The yuppies are into investment for the money. The Star Online article “More young investors entering into Malaysian market” (May 3) reported that there was a 36% jump in the number of Central Depository System (CDS) account holders in the age group of 25 years old and below. This age group is the fastest growing band among CDS holders in 2016 with a total of 27,252 account holders as at Dec 31, 2016.
I have seen people earning incomes by selling pastry via social media. I have a graphic designer friend who teaches art class over the weekend. The list can go on and on. Look within ourselves. How can we use our talent for extra income?
Now, how can one install the lockdown on different canals of funds outflow? Napoleon Hill (1883 to 1970), an American self-help author who is well known for his book Think and Grow Rich, which is among the top 10 best selling self-help books of all time, was famous for studying the habits of the rich and famous.
Be a Napoleon Hill of frugality, minimalism and savings. Go to a supermarket. Study the buying habits. Are people buying necessities or the unnecessary? Can we differentiate?
Learning from experience works effectively. Hop onto a bus bound for a kampung. Learn about the simple life of the kampung people. What is on their expenditure list and how do they manage? Go to the nearest bookstore. Check out the books on personal finance. Consult a professional. Go to the Credit Counselling and Debt Management Agency (AKPK) if you need to. The journey of discovery will be an enlightening process. The key is taking the first step. Always remember that.
And it’s time to rethink happiness. Does it mesh well with the reality of living and the current and near-term economic situation? What if somebody told you that authentic happiness has something to do with living within our means? By this I mean living with less and manageable debts, limited financial obligations, delaying buying big ticket items, having emergency funds, etc. These can all be a form of happiness too.
The key is being flexible with our happiness goals. Financial happiness is in our hands. It’s your choice.
EDWARD WONG
Menglembu, Perak
Source: The Star Online | 27 June 2017
SUMBER data Bank Negara Malaysia (BNM) pada 2015, 2016 dan 2017 menunjukkan terdapat trend permohonan pinjaman menjelang Hari Raya Aidilfitri. Antara jenis pinjaman dalam indikasi trend tersebut adalah pinjaman pembelian kereta, kad kredit dan pinjaman peribadi.
Sebanyak RM71,511.3 juta permohonan direkodkan bagi tahun 2015 dan RM66,078.2 juta pada 2016. Bagi 2017, pada bulan April sahaja permohonan pinjaman berjumlah RM22,520.4 juta direkodkan.
Walau bagaimanapun, permohonan yang diluluskan pada 2015 adalah sebanyak RM21,285.2 juta atau 30 peratus, sementara pada 2016, sebanyak RM28,519.5 juta atau 42 peratus diluluskan. Bagi April 2017, sebanyak 36 peratus permohonan bernilai RM8,208 juta diluluskan.
Berdasarkan analisis tersebut, Pengurus Besar Operasi Agensi Kaunseling dan Pengurusan Kredit (AKPK), Noor Fazleen Zakaria memberitahu, tidak dinafikan wujud individu yang boros berbelanja untuk menyambut hari raya.
Beliau berkata, segelintir masyarakat masih gagal merancang perbelanjaan dan lebih membimbangkan adalah belanja selepas raya.
“Berbelanja melebihi keperluan menyebabkan ramai boros dan apabila perbelanjaan melebihi bajet, maka wujud keinginan untuk membuat pinjaman.
“Paling membimbangkan adalah mereka yang membuat pinjaman untuk membeli kereta sempena Aidilfitri, sedangkan tidak ada keperluan untuk berbuat demikian.
“Orang ramai kena sedar, 25 peratus daripada kes muflis disebabkan sewa beli termasuk beli kereta,” katanya kepada Utusan Malaysia Sabtu.
Tambah Noor Fazleen lagi, orang ramai yang menerima gaji lebih awal dan mendapat pendahuluan seperti pinjaman daripada majikan perlu bijak berbelanja.
“Sebagai contoh, kakitangan kerajaan yang menerima gaji lebih awal daripada biasa perlu bijak mengurus kewangan mereka.
“Lebih selamat apabila mereka mengutamakan komitmen bulanan terlebih dahulu seperti bil utiliti, ansuran rumah serta kenderaan dan pinjaman lain.
“Jika terlebih berbelanja untuk persiapan raya, kelak lepas raya nanti, hendak beli makanan pun tak ada duit. Jadi, berhati-hati dan ukur baju di badan sendiri,” nasihatnya.
Sumber: Utusan Online | 17 Jun 2017
Ukur baju di badan sendiri
Jun 17, 2017 | UtusanOnline
SUMBER data Bank Negara Malaysia (BNM) pada 2015, 2016 dan 2017 menunjukkan terdapat trend permohonan pinjaman menjelang Hari Raya Aidilfitri. Antara jenis pinjaman dalam indikasi trend tersebut adalah pinjaman pembelian kereta, kad kredit dan pinjaman peribadi.
Sebanyak RM71,511.3 juta permohonan direkodkan bagi tahun 2015 dan RM66,078.2 juta pada 2016. Bagi 2017, pada bulan April sahaja permohonan pinjaman berjumlah RM22,520.4 juta direkodkan.
Walau bagaimanapun, permohonan yang diluluskan pada 2015 adalah sebanyak RM21,285.2 juta atau 30 peratus, sementara pada 2016, sebanyak RM28,519.5 juta atau 42 peratus diluluskan. Bagi April 2017, sebanyak 36 peratus permohonan bernilai RM8,208 juta diluluskan.
Berdasarkan analisis tersebut, Pengurus Besar Operasi Agensi Kaunseling dan Pengurusan Kredit (AKPK), Noor Fazleen Zakaria memberitahu, tidak dinafikan wujud individu yang boros berbelanja untuk menyambut hari raya.
Beliau berkata, segelintir masyarakat masih gagal merancang perbelanjaan dan lebih membimbangkan adalah belanja selepas raya.
“Berbelanja melebihi keperluan menyebabkan ramai boros dan apabila perbelanjaan melebihi bajet, maka wujud keinginan untuk membuat pinjaman.
“Paling membimbangkan adalah mereka yang membuat pinjaman untuk membeli kereta sempena Aidilfitri, sedangkan tidak ada keperluan untuk berbuat demikian.
“Orang ramai kena sedar, 25 peratus daripada kes muflis disebabkan sewa beli termasuk beli kereta,” katanya kepada Utusan Malaysia Sabtu.
Tambah Noor Fazleen lagi, orang ramai yang menerima gaji lebih awal dan mendapat pendahuluan seperti pinjaman daripada majikan perlu bijak berbelanja.
“Sebagai contoh, kakitangan kerajaan yang menerima gaji lebih awal daripada biasa perlu bijak mengurus kewangan mereka.
“Lebih selamat apabila mereka mengutamakan komitmen bulanan terlebih dahulu seperti bil utiliti, ansuran rumah serta kenderaan dan pinjaman lain.
“Jika terlebih berbelanja untuk persiapan raya, kelak lepas raya nanti, hendak beli makanan pun tak ada duit. Jadi, berhati-hati dan ukur baju di badan sendiri,” nasihatnya.
Sumber: Utusan Online | 17 Jun 2017
Jun 17, 2017 | UtusanOnline
Read More
SUMBER data Bank Negara Malaysia (BNM) pada 2015, 2016 dan 2017 menunjukkan terdapat trend permohonan pinjaman menjelang Hari Raya Aidilfitri. Antara jenis pinjaman dalam indikasi trend tersebut adalah pinjaman pembelian kereta, kad kredit dan pinjaman peribadi.
Sebanyak RM71,511.3 juta permohonan direkodkan bagi tahun 2015 dan RM66,078.2 juta pada 2016. Bagi 2017, pada bulan April sahaja permohonan pinjaman berjumlah RM22,520.4 juta direkodkan.
Walau bagaimanapun, permohonan yang diluluskan pada 2015 adalah sebanyak RM21,285.2 juta atau 30 peratus, sementara pada 2016, sebanyak RM28,519.5 juta atau 42 peratus diluluskan. Bagi April 2017, sebanyak 36 peratus permohonan bernilai RM8,208 juta diluluskan.
Berdasarkan analisis tersebut, Pengurus Besar Operasi Agensi Kaunseling dan Pengurusan Kredit (AKPK), Noor Fazleen Zakaria memberitahu, tidak dinafikan wujud individu yang boros berbelanja untuk menyambut hari raya.
Beliau berkata, segelintir masyarakat masih gagal merancang perbelanjaan dan lebih membimbangkan adalah belanja selepas raya.
“Berbelanja melebihi keperluan menyebabkan ramai boros dan apabila perbelanjaan melebihi bajet, maka wujud keinginan untuk membuat pinjaman.
“Paling membimbangkan adalah mereka yang membuat pinjaman untuk membeli kereta sempena Aidilfitri, sedangkan tidak ada keperluan untuk berbuat demikian.
“Orang ramai kena sedar, 25 peratus daripada kes muflis disebabkan sewa beli termasuk beli kereta,” katanya kepada Utusan Malaysia Sabtu.
Tambah Noor Fazleen lagi, orang ramai yang menerima gaji lebih awal dan mendapat pendahuluan seperti pinjaman daripada majikan perlu bijak berbelanja.
“Sebagai contoh, kakitangan kerajaan yang menerima gaji lebih awal daripada biasa perlu bijak mengurus kewangan mereka.
“Lebih selamat apabila mereka mengutamakan komitmen bulanan terlebih dahulu seperti bil utiliti, ansuran rumah serta kenderaan dan pinjaman lain.
“Jika terlebih berbelanja untuk persiapan raya, kelak lepas raya nanti, hendak beli makanan pun tak ada duit. Jadi, berhati-hati dan ukur baju di badan sendiri,” nasihatnya.
Sumber: Utusan Online | 17 Jun 2017
I CAME across “The Avocado Toast Index: How many breakfasts to buy a house?” on BBC.com recently.
The article takes a jibe at the lives of some millennials who would rather waste their money on an Instagram-mable breakfast than make sensible investments like buying a house.
Though I am not a millennial nor do I splurge on fancy toasts or overpriced lattes, I had my fair share of financial woes during my late 20s.
My divorce fees were putting a toll on my finances and because of that, I lapsed payment in my hire purchase loan and nearly got my car taken from me when my first-born and I were alone inside the car.
That incident shook me and I vowed never to put myself and especially my daughter in that embarrassing situation again.
I am now quite particular about paying my bills on time. I pay my credit cards dues in full and I have a budget drawn and monitored monthly.
I only use my credit card for payments of which I have money to pay back. The only reason why I use my credit card is so I can collect points that can be converted to mile points for travel.
I keep all receipts because I like to know where my money is going and how I can trim costs further. Now that I don’t have a full-time helper, I am more involved in the upkeep of the pantry and household products. I used to find it odd that I would spend so much on detergent and other cleaning products.
Now that I clean, wash and cook, I realise I save so much more – probably because I use these household products in the right amount?
Even with food, I portion my food produce accordingly so I just take it out for one meal and not have to defrost the whole chicken, for instance.
I am a firm believer in segregating waste, especially kitchen waste, so I feel the pinch when I see good food go in the bin.
I think it is very important to have a savings plan and manage your finances. Some people are great at managing their finances, while some struggle.
How do you know if you need to change the way you handle your finances? Here are nine signs to help you according to Miriam Caldwell, a personal finance adviser.
1. Relying on your credit cards.
Running into the red may happen occasionally but if you find yourself relying on your cards each month, it’s time to identify areas where you are overspending.
2. Late payments.
If you keep forgetting, maybe try to schedule your payments to come out automatically or pay all of your bills all at once at the beginning of the month (I do this and it gives me the reality of how little I have left to splurge on). If you don’t have the money to pay the bills on time, a budget and some careful planning can help you pay all of the bills.
3. Sleepless nights worried about money issues.
When you have a budget that you can stick to and an emergency fund saved up, you can rest easier.
4. No communication with your spouse.
It can be frustrating to merge two different styles of managing your money and many couples struggle with this for several years into their marriage. My parents were the complete opposite when it came to handling finances. Mum was extremely frugal and careful, while my dad usually depleted his resources due to his generosity – trying to assist the kampung folks who almost never paid back their loans. Though religion teaches one to be charitable, there needs to be a time when one needs to tow the line.
5. You don’t have a budget.
If you do not set a budget, it is too easy to lie to yourself about your finances.
6. Overwhelmed by amount of debt.
In Malaysia, you can seek the help of the credit counselling and debt management agency or commonly known as Agensi Kaunseling dan Pengurusan Kredit (AKPK), set up by Bank Negara Malaysia to help individuals take control of their financial situation (www.akpk.org.my).
7. Stuck in a financial rut. Once you know what to do, it is a lot easier to motivate yourself to actually start doing it.
8. You run out of money too early in the month.
My assistant was constantly asking for an advance to tide her over until the end of the month when I finally decided enough is enough. I sat down with her and poured through her bills and told her that she needed to trim down on unnecessary stuff such as makeup and new clothes.
9. Every bump in the road is a catastrophe.
When you are struggling financially, even a trip to the doctor or paying for a car repair can feel like the world is coming to an end. Again, it all boils down to setting and sticking to a realistic budget and to start saving for an emergency fund.
My financial goal is to be free of debts, to have saved enough for my retirement and for all my children to at least complete their tertiary education.
It’s still a long way coming, but setting that budget and sticking to it is the most important step in getting there.
The writer dreams of retiring in her home state of Sabah and living in a sustainable community growing her own produce, and rearing her own farm animals. Catch her vlogs via her YouTube Channel: Daphne Iking
Source: The Star Online | 16 June 2017
Identifying financial alarm be...
Jun 16, 2017 | TheStarOnline
I CAME across “The Avocado Toast Index: How many breakfasts to buy a house?” on BBC.com recently.
The article takes a jibe at the lives of some millennials who would rather waste their money on an Instagram-mable breakfast than make sensible investments like buying a house.
Though I am not a millennial nor do I splurge on fancy toasts or overpriced lattes, I had my fair share of financial woes during my late 20s.
My divorce fees were putting a toll on my finances and because of that, I lapsed payment in my hire purchase loan and nearly got my car taken from me when my first-born and I were alone inside the car.
That incident shook me and I vowed never to put myself and especially my daughter in that embarrassing situation again.
I am now quite particular about paying my bills on time. I pay my credit cards dues in full and I have a budget drawn and monitored monthly.
I only use my credit card for payments of which I have money to pay back. The only reason why I use my credit card is so I can collect points that can be converted to mile points for travel.
I keep all receipts because I like to know where my money is going and how I can trim costs further. Now that I don’t have a full-time helper, I am more involved in the upkeep of the pantry and household products. I used to find it odd that I would spend so much on detergent and other cleaning products.
Now that I clean, wash and cook, I realise I save so much more – probably because I use these household products in the right amount?
Even with food, I portion my food produce accordingly so I just take it out for one meal and not have to defrost the whole chicken, for instance.
I am a firm believer in segregating waste, especially kitchen waste, so I feel the pinch when I see good food go in the bin.
I think it is very important to have a savings plan and manage your finances. Some people are great at managing their finances, while some struggle.
How do you know if you need to change the way you handle your finances? Here are nine signs to help you according to Miriam Caldwell, a personal finance adviser.
1. Relying on your credit cards.
Running into the red may happen occasionally but if you find yourself relying on your cards each month, it’s time to identify areas where you are overspending.
2. Late payments.
If you keep forgetting, maybe try to schedule your payments to come out automatically or pay all of your bills all at once at the beginning of the month (I do this and it gives me the reality of how little I have left to splurge on). If you don’t have the money to pay the bills on time, a budget and some careful planning can help you pay all of the bills.
3. Sleepless nights worried about money issues.
When you have a budget that you can stick to and an emergency fund saved up, you can rest easier.
4. No communication with your spouse.
It can be frustrating to merge two different styles of managing your money and many couples struggle with this for several years into their marriage. My parents were the complete opposite when it came to handling finances. Mum was extremely frugal and careful, while my dad usually depleted his resources due to his generosity – trying to assist the kampung folks who almost never paid back their loans. Though religion teaches one to be charitable, there needs to be a time when one needs to tow the line.
5. You don’t have a budget.
If you do not set a budget, it is too easy to lie to yourself about your finances.
6. Overwhelmed by amount of debt.
In Malaysia, you can seek the help of the credit counselling and debt management agency or commonly known as Agensi Kaunseling dan Pengurusan Kredit (AKPK), set up by Bank Negara Malaysia to help individuals take control of their financial situation (www.akpk.org.my).
7. Stuck in a financial rut. Once you know what to do, it is a lot easier to motivate yourself to actually start doing it.
8. You run out of money too early in the month.
My assistant was constantly asking for an advance to tide her over until the end of the month when I finally decided enough is enough. I sat down with her and poured through her bills and told her that she needed to trim down on unnecessary stuff such as makeup and new clothes.
9. Every bump in the road is a catastrophe.
When you are struggling financially, even a trip to the doctor or paying for a car repair can feel like the world is coming to an end. Again, it all boils down to setting and sticking to a realistic budget and to start saving for an emergency fund.
My financial goal is to be free of debts, to have saved enough for my retirement and for all my children to at least complete their tertiary education.
It’s still a long way coming, but setting that budget and sticking to it is the most important step in getting there.
The writer dreams of retiring in her home state of Sabah and living in a sustainable community growing her own produce, and rearing her own farm animals. Catch her vlogs via her YouTube Channel: Daphne Iking
Source: The Star Online | 16 June 2017
Jun 16, 2017 | TheStarOnline
Read More
I CAME across “The Avocado Toast Index: How many breakfasts to buy a house?” on BBC.com recently.
The article takes a jibe at the lives of some millennials who would rather waste their money on an Instagram-mable breakfast than make sensible investments like buying a house.
Though I am not a millennial nor do I splurge on fancy toasts or overpriced lattes, I had my fair share of financial woes during my late 20s.
My divorce fees were putting a toll on my finances and because of that, I lapsed payment in my hire purchase loan and nearly got my car taken from me when my first-born and I were alone inside the car.
That incident shook me and I vowed never to put myself and especially my daughter in that embarrassing situation again.
I am now quite particular about paying my bills on time. I pay my credit cards dues in full and I have a budget drawn and monitored monthly.
I only use my credit card for payments of which I have money to pay back. The only reason why I use my credit card is so I can collect points that can be converted to mile points for travel.
I keep all receipts because I like to know where my money is going and how I can trim costs further. Now that I don’t have a full-time helper, I am more involved in the upkeep of the pantry and household products. I used to find it odd that I would spend so much on detergent and other cleaning products.
Now that I clean, wash and cook, I realise I save so much more – probably because I use these household products in the right amount?
Even with food, I portion my food produce accordingly so I just take it out for one meal and not have to defrost the whole chicken, for instance.
I am a firm believer in segregating waste, especially kitchen waste, so I feel the pinch when I see good food go in the bin.
I think it is very important to have a savings plan and manage your finances. Some people are great at managing their finances, while some struggle.
How do you know if you need to change the way you handle your finances? Here are nine signs to help you according to Miriam Caldwell, a personal finance adviser.
1. Relying on your credit cards.
Running into the red may happen occasionally but if you find yourself relying on your cards each month, it’s time to identify areas where you are overspending.
2. Late payments.
If you keep forgetting, maybe try to schedule your payments to come out automatically or pay all of your bills all at once at the beginning of the month (I do this and it gives me the reality of how little I have left to splurge on). If you don’t have the money to pay the bills on time, a budget and some careful planning can help you pay all of the bills.
3. Sleepless nights worried about money issues.
When you have a budget that you can stick to and an emergency fund saved up, you can rest easier.
4. No communication with your spouse.
It can be frustrating to merge two different styles of managing your money and many couples struggle with this for several years into their marriage. My parents were the complete opposite when it came to handling finances. Mum was extremely frugal and careful, while my dad usually depleted his resources due to his generosity – trying to assist the kampung folks who almost never paid back their loans. Though religion teaches one to be charitable, there needs to be a time when one needs to tow the line.
5. You don’t have a budget.
If you do not set a budget, it is too easy to lie to yourself about your finances.
6. Overwhelmed by amount of debt.
In Malaysia, you can seek the help of the credit counselling and debt management agency or commonly known as Agensi Kaunseling dan Pengurusan Kredit (AKPK), set up by Bank Negara Malaysia to help individuals take control of their financial situation (www.akpk.org.my).
7. Stuck in a financial rut. Once you know what to do, it is a lot easier to motivate yourself to actually start doing it.
8. You run out of money too early in the month.
My assistant was constantly asking for an advance to tide her over until the end of the month when I finally decided enough is enough. I sat down with her and poured through her bills and told her that she needed to trim down on unnecessary stuff such as makeup and new clothes.
9. Every bump in the road is a catastrophe.
When you are struggling financially, even a trip to the doctor or paying for a car repair can feel like the world is coming to an end. Again, it all boils down to setting and sticking to a realistic budget and to start saving for an emergency fund.
My financial goal is to be free of debts, to have saved enough for my retirement and for all my children to at least complete their tertiary education.
It’s still a long way coming, but setting that budget and sticking to it is the most important step in getting there.
The writer dreams of retiring in her home state of Sabah and living in a sustainable community growing her own produce, and rearing her own farm animals. Catch her vlogs via her YouTube Channel: Daphne Iking
Source: The Star Online | 16 June 2017
KUALA LUMPUR 9 Jun – Lebih 580,109 orang yang mengalami pelbagai masalah kewangan telah dibantu Agensi Kaunseling dan Pengurusan Kredit (AKPK) sejak ditubuhkan pada 2006. Ketua Pegawai Eksekutifnya, Azzaddin Ngah Tasir berkata, mereka dibantu dengan diberikan kaunseling untuk membuat keputusan kewangan secara bijak melalui inisiatif pendidikan kewangan yang komprehensif. “Daripada jumlah tersebut, sebanyak 185,304 orang dibantu menguruskan kewangan mereka di bawah Program Pengurusan Kredit (PPK). “Sehingga 31 April lalu, terdapat sebanyak 13,794 kes PPK dengan jumlah keseluruhan bernilai RM561 juta,” katanya selepas Majlis Berbuka Puasa AKPK bersama petugas media di sini, hari ini.
Majlis dengan kerjasama RTM untuk rakaman program X-Presi Raya 2017 dan Raudah Khas Raya itu, menampilkan penceramah terkenal, Datuk Mohd. Kazim Alias. Yang hadir sama, Penolong Gabenor Bank Negara, Abu Hassan Al Shari Yahaya. Azzaddin berkata, antara faktor yang menyumbangkan kepada masalah hutang dan tidak membayar balik pinjaman adalah pengurusan kewangan lemah, tiada pengetahuan merancang kewangan dan tidak hidup mengikut kemampuan kerana tahap disiplin rendah. “Terdapat juga kes berlaku akibat faktor luar jangkaan seperti masalah kesihatan, kematian pencari nafkah, kehilangan pekerjaan dan kegagalan perniagaan,” katanya. Beliau berkata, antara bantuan disediakan oleh AKPK menstruktur semula pinjaman perumahan, kenderaan, pinjaman peribadi atau baki tertunggak kad kredit yang diperoleh daripada penyedia kewangan di bawah kawalan Bank Negara Malaysia.
Sumber : Utusan Online | 10 Jun 2017
AKPK bantu 580,109 individu se...
Jun 13, 2017 | UtusanOnline
KUALA LUMPUR 9 Jun – Lebih 580,109 orang yang mengalami pelbagai masalah kewangan telah dibantu Agensi Kaunseling dan Pengurusan Kredit (AKPK) sejak ditubuhkan pada 2006. Ketua Pegawai Eksekutifnya, Azzaddin Ngah Tasir berkata, mereka dibantu dengan diberikan kaunseling untuk membuat keputusan kewangan secara bijak melalui inisiatif pendidikan kewangan yang komprehensif. “Daripada jumlah tersebut, sebanyak 185,304 orang dibantu menguruskan kewangan mereka di bawah Program Pengurusan Kredit (PPK). “Sehingga 31 April lalu, terdapat sebanyak 13,794 kes PPK dengan jumlah keseluruhan bernilai RM561 juta,” katanya selepas Majlis Berbuka Puasa AKPK bersama petugas media di sini, hari ini.
Majlis dengan kerjasama RTM untuk rakaman program X-Presi Raya 2017 dan Raudah Khas Raya itu, menampilkan penceramah terkenal, Datuk Mohd. Kazim Alias. Yang hadir sama, Penolong Gabenor Bank Negara, Abu Hassan Al Shari Yahaya. Azzaddin berkata, antara faktor yang menyumbangkan kepada masalah hutang dan tidak membayar balik pinjaman adalah pengurusan kewangan lemah, tiada pengetahuan merancang kewangan dan tidak hidup mengikut kemampuan kerana tahap disiplin rendah. “Terdapat juga kes berlaku akibat faktor luar jangkaan seperti masalah kesihatan, kematian pencari nafkah, kehilangan pekerjaan dan kegagalan perniagaan,” katanya. Beliau berkata, antara bantuan disediakan oleh AKPK menstruktur semula pinjaman perumahan, kenderaan, pinjaman peribadi atau baki tertunggak kad kredit yang diperoleh daripada penyedia kewangan di bawah kawalan Bank Negara Malaysia.
Sumber : Utusan Online | 10 Jun 2017
Jun 13, 2017 | UtusanOnline
Read More
KUALA LUMPUR 9 Jun – Lebih 580,109 orang yang mengalami pelbagai masalah kewangan telah dibantu Agensi Kaunseling dan Pengurusan Kredit (AKPK) sejak ditubuhkan pada 2006. Ketua Pegawai Eksekutifnya, Azzaddin Ngah Tasir berkata, mereka dibantu dengan diberikan kaunseling untuk membuat keputusan kewangan secara bijak melalui inisiatif pendidikan kewangan yang komprehensif. “Daripada jumlah tersebut, sebanyak 185,304 orang dibantu menguruskan kewangan mereka di bawah Program Pengurusan Kredit (PPK). “Sehingga 31 April lalu, terdapat sebanyak 13,794 kes PPK dengan jumlah keseluruhan bernilai RM561 juta,” katanya selepas Majlis Berbuka Puasa AKPK bersama petugas media di sini, hari ini.
Majlis dengan kerjasama RTM untuk rakaman program X-Presi Raya 2017 dan Raudah Khas Raya itu, menampilkan penceramah terkenal, Datuk Mohd. Kazim Alias. Yang hadir sama, Penolong Gabenor Bank Negara, Abu Hassan Al Shari Yahaya. Azzaddin berkata, antara faktor yang menyumbangkan kepada masalah hutang dan tidak membayar balik pinjaman adalah pengurusan kewangan lemah, tiada pengetahuan merancang kewangan dan tidak hidup mengikut kemampuan kerana tahap disiplin rendah. “Terdapat juga kes berlaku akibat faktor luar jangkaan seperti masalah kesihatan, kematian pencari nafkah, kehilangan pekerjaan dan kegagalan perniagaan,” katanya. Beliau berkata, antara bantuan disediakan oleh AKPK menstruktur semula pinjaman perumahan, kenderaan, pinjaman peribadi atau baki tertunggak kad kredit yang diperoleh daripada penyedia kewangan di bawah kawalan Bank Negara Malaysia.
Sumber : Utusan Online | 10 Jun 2017
KUALA LUMPUR: Agensi Kaunseling dan Pengurusan Kredit (AKPK) menyelesaikan 13,794 kes pengurusan kredit berjumlah RM561 juta untuk tempoh empat bulan pertama tahun ini. Ketua Pegawai Eksekutif AKPK, Azaddin Ngah Tasir, berkata sebahagian besar masalah kewangan berkenaan iaitu 46.5 peratus berpunca daripada perancangan kewangan yang lemah, diikuti kos sara hidup tinggi (16.2 peratus) dan kegagalan perniagaan (15.1 peratus). Beliau berkata, punca lain masalah kewangan meruncing adalah perbelanjaan perubatan tinggi iaitu 10 peratus, hilang sumber pendapatan (9.6 peratus) dan lain-lain (2.6 peratus). "Sejak penubuhan AKPK hingga 31 Mei lalu, seramai 185,304 individu mendapatkan khidmat bantuan Program Pengurusan Kredit (PPK). "Seramai 580,109 individu yang mengalami masalah kewangan dalam tempoh sama diberi kaunseling. Peratusan permohonan PPK daripada kaunseling berkurang kepada 31.9 peratus berbanding 32.9 peratus tahun lalu," katanya. Beliau ditemui pada Majlis Berbuka Puasa bersama media dan sesi rakaman Raudhah Khas Raya Nasional FM 2017 bersama Datuk Kazim Elias di sini, malam ini. Yang turut hadir, Penolong Gabenor Bank Negara, Datuk Abu Hassan AlShari Yahaya; Pengarah Bahagian Program Radio RTM, Datuk Mustafa Kamal Abdul Razak dan Ketua Aktivis Persatuan Pengguna Islam Malaysia (PPIM), Datuk Nadzim Johan.
Sementara itu, AKPK turut melancarkan klip video 'Sahabat Raya' yang menyampaikan mesej persahabatan ikhlas dan saling membantu bagi menjamin masa depan cerah. Klip video versi penuh boleh dilayari bermula malam ini melalui media sosial Facebook AKPK, bit.ly/AKPKSahabatRaya dan YouTube. Azaddin berkata, video itu mengisahkan dua sahabat sejak kecil, Azam yang dihimpit kesusahan hidup sering dibantu sahabat baiknya, Hadli. Dua sahabat itu terpisah apabila Hadli berpindah ke ibu kota dan tidak sempat meraikan Aidilfitri bersama. Selepas 40 tahun, Azam mula mengecapi kehidupan senang dan bertekad mencari kawannya, Hadli. Malangnya, Hadli ditemui hidup miskin dan Azam berjanji membalas jasa serta menjaga sahabatnya itu.
Sumber : Berita Harian Online | 9 June 2017
AKPK selesaikan 13,794 kes kew...
Jun 13, 2017 | BHOnline
KUALA LUMPUR: Agensi Kaunseling dan Pengurusan Kredit (AKPK) menyelesaikan 13,794 kes pengurusan kredit berjumlah RM561 juta untuk tempoh empat bulan pertama tahun ini. Ketua Pegawai Eksekutif AKPK, Azaddin Ngah Tasir, berkata sebahagian besar masalah kewangan berkenaan iaitu 46.5 peratus berpunca daripada perancangan kewangan yang lemah, diikuti kos sara hidup tinggi (16.2 peratus) dan kegagalan perniagaan (15.1 peratus). Beliau berkata, punca lain masalah kewangan meruncing adalah perbelanjaan perubatan tinggi iaitu 10 peratus, hilang sumber pendapatan (9.6 peratus) dan lain-lain (2.6 peratus). "Sejak penubuhan AKPK hingga 31 Mei lalu, seramai 185,304 individu mendapatkan khidmat bantuan Program Pengurusan Kredit (PPK). "Seramai 580,109 individu yang mengalami masalah kewangan dalam tempoh sama diberi kaunseling. Peratusan permohonan PPK daripada kaunseling berkurang kepada 31.9 peratus berbanding 32.9 peratus tahun lalu," katanya. Beliau ditemui pada Majlis Berbuka Puasa bersama media dan sesi rakaman Raudhah Khas Raya Nasional FM 2017 bersama Datuk Kazim Elias di sini, malam ini. Yang turut hadir, Penolong Gabenor Bank Negara, Datuk Abu Hassan AlShari Yahaya; Pengarah Bahagian Program Radio RTM, Datuk Mustafa Kamal Abdul Razak dan Ketua Aktivis Persatuan Pengguna Islam Malaysia (PPIM), Datuk Nadzim Johan.
Sementara itu, AKPK turut melancarkan klip video 'Sahabat Raya' yang menyampaikan mesej persahabatan ikhlas dan saling membantu bagi menjamin masa depan cerah. Klip video versi penuh boleh dilayari bermula malam ini melalui media sosial Facebook AKPK, bit.ly/AKPKSahabatRaya dan YouTube. Azaddin berkata, video itu mengisahkan dua sahabat sejak kecil, Azam yang dihimpit kesusahan hidup sering dibantu sahabat baiknya, Hadli. Dua sahabat itu terpisah apabila Hadli berpindah ke ibu kota dan tidak sempat meraikan Aidilfitri bersama. Selepas 40 tahun, Azam mula mengecapi kehidupan senang dan bertekad mencari kawannya, Hadli. Malangnya, Hadli ditemui hidup miskin dan Azam berjanji membalas jasa serta menjaga sahabatnya itu.
Sumber : Berita Harian Online | 9 June 2017
Jun 13, 2017 | BHOnline
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KUALA LUMPUR: Agensi Kaunseling dan Pengurusan Kredit (AKPK) menyelesaikan 13,794 kes pengurusan kredit berjumlah RM561 juta untuk tempoh empat bulan pertama tahun ini. Ketua Pegawai Eksekutif AKPK, Azaddin Ngah Tasir, berkata sebahagian besar masalah kewangan berkenaan iaitu 46.5 peratus berpunca daripada perancangan kewangan yang lemah, diikuti kos sara hidup tinggi (16.2 peratus) dan kegagalan perniagaan (15.1 peratus). Beliau berkata, punca lain masalah kewangan meruncing adalah perbelanjaan perubatan tinggi iaitu 10 peratus, hilang sumber pendapatan (9.6 peratus) dan lain-lain (2.6 peratus). "Sejak penubuhan AKPK hingga 31 Mei lalu, seramai 185,304 individu mendapatkan khidmat bantuan Program Pengurusan Kredit (PPK). "Seramai 580,109 individu yang mengalami masalah kewangan dalam tempoh sama diberi kaunseling. Peratusan permohonan PPK daripada kaunseling berkurang kepada 31.9 peratus berbanding 32.9 peratus tahun lalu," katanya. Beliau ditemui pada Majlis Berbuka Puasa bersama media dan sesi rakaman Raudhah Khas Raya Nasional FM 2017 bersama Datuk Kazim Elias di sini, malam ini. Yang turut hadir, Penolong Gabenor Bank Negara, Datuk Abu Hassan AlShari Yahaya; Pengarah Bahagian Program Radio RTM, Datuk Mustafa Kamal Abdul Razak dan Ketua Aktivis Persatuan Pengguna Islam Malaysia (PPIM), Datuk Nadzim Johan.
Sementara itu, AKPK turut melancarkan klip video 'Sahabat Raya' yang menyampaikan mesej persahabatan ikhlas dan saling membantu bagi menjamin masa depan cerah. Klip video versi penuh boleh dilayari bermula malam ini melalui media sosial Facebook AKPK, bit.ly/AKPKSahabatRaya dan YouTube. Azaddin berkata, video itu mengisahkan dua sahabat sejak kecil, Azam yang dihimpit kesusahan hidup sering dibantu sahabat baiknya, Hadli. Dua sahabat itu terpisah apabila Hadli berpindah ke ibu kota dan tidak sempat meraikan Aidilfitri bersama. Selepas 40 tahun, Azam mula mengecapi kehidupan senang dan bertekad mencari kawannya, Hadli. Malangnya, Hadli ditemui hidup miskin dan Azam berjanji membalas jasa serta menjaga sahabatnya itu.
Sumber : Berita Harian Online | 9 June 2017
SHAH ALAM: SME Corp Malaysia menyasarkan 12,000 usahawan belia dilatih sehingga tahun 2020 melalui Program Tunas Usahawan Belia Bumiputera (TUBE).
Tahun ini, penganjuran TUBE akan diteruskan dengan edisi pertama TUBE Mega yang akan membabitkan penyertaan 1,000 belia Bumiputera, berbanding 500 peserta sebelum ini.
TUBE Mega tahun ini akan membabitkan penjenamaan bersama SME Corp Malaysia dan TERAJU, yang mana pelaksanaan program itu sejajar dengan salah satu inisiatif di bawah Transformasi Ekonomi Bumiputera (BETR) 2.0 yang dilaksanakan oleh TERAJU. Ia sekali gus menyokong inisiatif Transformasi Kesejahteraan Bumiputera (TKB) yang diumumkan oleh Perdana Menteri, Datuk Seri Najib Razak, baru-baru ini.
Program TUBE Mega dilancarkan secara rasmi oleh Timbalan Menteri Perdagangan Antarabangsa dan Industri, Datuk Ahmad Haji Maslan, di Dataran SACC Mall, di sini bersempena Minggu PKS 2017 peringkat Selangor.
Pembabitan Pelbagai Pihak
Program itu dilaksanakan oleh SME Corp dengan kerjasama Kementerian Pendidikan Tinggi, Kementerian Belia dan Sukan, Kementerian Pertanian Malaysia, Kementerian Pembangunan Wanita, Keluarga dan Masyarakat, Kementerian Kemajuan Luar Bandar dan Wilayah, Unit Perancang Ekonomi (UPE) dan TERAJU di bawah JPM. Ia juga membabitkan Jabatan Latihan Khidmat Negara, Universiti Kebangsaan Malaysia melalui UKM-CESMED, Suruhanjaya Syarikat Malaysia (SSM), Credit Guarantee Corporation (CGC), Kumpulan SME Bank, Majlis Amanah Rakyat (MARA) dan Jabatan Pembangunan Wanita.
Turut serta, Permodalan Usahawan Nasional Berhad, Telekom Malaysia Berhad, Persatuan Usahawan Generasi Muda Berjaya Malaysia, Majlis Belia Malaysia, 9TERAJU Malaysia Exclusive, Syarikat ABX Express Sdn Bhd dan Maybank sebagai Bank Rasmi Program TUBE Mega.
TUBE Mega tahun ini juga bakal menyaksikan penyertaan dua rakan strategik baharu iaitu Malaysia Digital Economy Corporation (MDEC) dan Agensi Kaunseling dan Pengurusan Kredit (AKPK) yang berfungsi di dalam menyumbang kepada kejayaan pelaksanaan program ini.
Pembabitan MDEC dilihat dapat meningkatkan kesedaran dan kemahiran perniagaan atas talian (online) oleh TUBErs sedia ada dan baharu. Melalui kerjasama itu juga, pemohon yang tidak terpilih untuk mengikuti Program TUBE akan diberi peluang untuk mengikuti Program E-Usahawan yang dikendalikan oleh MDEC. Agensi Kaunseling dan Pengurusan Kredit (AKPK) selaku Agensi di bawah Bank Negara turut bekerjasama dengan SME Corp dalam memberikan bimbingan dan khidmat nasihat mengenai kaedah pengurusan kewangan yang cekap dan berkesan serta membantu usahawan supaya ''cekap wang'' di samping memantapkan pengurusan kewangan sedia ada.
- Berita Harian | 24 Mei 2017
SME Corp sasar latih 12,000 pe...
May 24, 2017 | BHOnline
SHAH ALAM: SME Corp Malaysia menyasarkan 12,000 usahawan belia dilatih sehingga tahun 2020 melalui Program Tunas Usahawan Belia Bumiputera (TUBE).
Tahun ini, penganjuran TUBE akan diteruskan dengan edisi pertama TUBE Mega yang akan membabitkan penyertaan 1,000 belia Bumiputera, berbanding 500 peserta sebelum ini.
TUBE Mega tahun ini akan membabitkan penjenamaan bersama SME Corp Malaysia dan TERAJU, yang mana pelaksanaan program itu sejajar dengan salah satu inisiatif di bawah Transformasi Ekonomi Bumiputera (BETR) 2.0 yang dilaksanakan oleh TERAJU. Ia sekali gus menyokong inisiatif Transformasi Kesejahteraan Bumiputera (TKB) yang diumumkan oleh Perdana Menteri, Datuk Seri Najib Razak, baru-baru ini.
Program TUBE Mega dilancarkan secara rasmi oleh Timbalan Menteri Perdagangan Antarabangsa dan Industri, Datuk Ahmad Haji Maslan, di Dataran SACC Mall, di sini bersempena Minggu PKS 2017 peringkat Selangor.
Pembabitan Pelbagai Pihak
Program itu dilaksanakan oleh SME Corp dengan kerjasama Kementerian Pendidikan Tinggi, Kementerian Belia dan Sukan, Kementerian Pertanian Malaysia, Kementerian Pembangunan Wanita, Keluarga dan Masyarakat, Kementerian Kemajuan Luar Bandar dan Wilayah, Unit Perancang Ekonomi (UPE) dan TERAJU di bawah JPM. Ia juga membabitkan Jabatan Latihan Khidmat Negara, Universiti Kebangsaan Malaysia melalui UKM-CESMED, Suruhanjaya Syarikat Malaysia (SSM), Credit Guarantee Corporation (CGC), Kumpulan SME Bank, Majlis Amanah Rakyat (MARA) dan Jabatan Pembangunan Wanita.
Turut serta, Permodalan Usahawan Nasional Berhad, Telekom Malaysia Berhad, Persatuan Usahawan Generasi Muda Berjaya Malaysia, Majlis Belia Malaysia, 9TERAJU Malaysia Exclusive, Syarikat ABX Express Sdn Bhd dan Maybank sebagai Bank Rasmi Program TUBE Mega.
TUBE Mega tahun ini juga bakal menyaksikan penyertaan dua rakan strategik baharu iaitu Malaysia Digital Economy Corporation (MDEC) dan Agensi Kaunseling dan Pengurusan Kredit (AKPK) yang berfungsi di dalam menyumbang kepada kejayaan pelaksanaan program ini.
Pembabitan MDEC dilihat dapat meningkatkan kesedaran dan kemahiran perniagaan atas talian (online) oleh TUBErs sedia ada dan baharu. Melalui kerjasama itu juga, pemohon yang tidak terpilih untuk mengikuti Program TUBE akan diberi peluang untuk mengikuti Program E-Usahawan yang dikendalikan oleh MDEC. Agensi Kaunseling dan Pengurusan Kredit (AKPK) selaku Agensi di bawah Bank Negara turut bekerjasama dengan SME Corp dalam memberikan bimbingan dan khidmat nasihat mengenai kaedah pengurusan kewangan yang cekap dan berkesan serta membantu usahawan supaya ''cekap wang'' di samping memantapkan pengurusan kewangan sedia ada.
- Berita Harian | 24 Mei 2017
May 24, 2017 | BHOnline
Read More
SHAH ALAM: SME Corp Malaysia menyasarkan 12,000 usahawan belia dilatih sehingga tahun 2020 melalui Program Tunas Usahawan Belia Bumiputera (TUBE).
Tahun ini, penganjuran TUBE akan diteruskan dengan edisi pertama TUBE Mega yang akan membabitkan penyertaan 1,000 belia Bumiputera, berbanding 500 peserta sebelum ini.
TUBE Mega tahun ini akan membabitkan penjenamaan bersama SME Corp Malaysia dan TERAJU, yang mana pelaksanaan program itu sejajar dengan salah satu inisiatif di bawah Transformasi Ekonomi Bumiputera (BETR) 2.0 yang dilaksanakan oleh TERAJU. Ia sekali gus menyokong inisiatif Transformasi Kesejahteraan Bumiputera (TKB) yang diumumkan oleh Perdana Menteri, Datuk Seri Najib Razak, baru-baru ini.
Program TUBE Mega dilancarkan secara rasmi oleh Timbalan Menteri Perdagangan Antarabangsa dan Industri, Datuk Ahmad Haji Maslan, di Dataran SACC Mall, di sini bersempena Minggu PKS 2017 peringkat Selangor.
Pembabitan Pelbagai Pihak
Program itu dilaksanakan oleh SME Corp dengan kerjasama Kementerian Pendidikan Tinggi, Kementerian Belia dan Sukan, Kementerian Pertanian Malaysia, Kementerian Pembangunan Wanita, Keluarga dan Masyarakat, Kementerian Kemajuan Luar Bandar dan Wilayah, Unit Perancang Ekonomi (UPE) dan TERAJU di bawah JPM. Ia juga membabitkan Jabatan Latihan Khidmat Negara, Universiti Kebangsaan Malaysia melalui UKM-CESMED, Suruhanjaya Syarikat Malaysia (SSM), Credit Guarantee Corporation (CGC), Kumpulan SME Bank, Majlis Amanah Rakyat (MARA) dan Jabatan Pembangunan Wanita.
Turut serta, Permodalan Usahawan Nasional Berhad, Telekom Malaysia Berhad, Persatuan Usahawan Generasi Muda Berjaya Malaysia, Majlis Belia Malaysia, 9TERAJU Malaysia Exclusive, Syarikat ABX Express Sdn Bhd dan Maybank sebagai Bank Rasmi Program TUBE Mega.
TUBE Mega tahun ini juga bakal menyaksikan penyertaan dua rakan strategik baharu iaitu Malaysia Digital Economy Corporation (MDEC) dan Agensi Kaunseling dan Pengurusan Kredit (AKPK) yang berfungsi di dalam menyumbang kepada kejayaan pelaksanaan program ini.
Pembabitan MDEC dilihat dapat meningkatkan kesedaran dan kemahiran perniagaan atas talian (online) oleh TUBErs sedia ada dan baharu. Melalui kerjasama itu juga, pemohon yang tidak terpilih untuk mengikuti Program TUBE akan diberi peluang untuk mengikuti Program E-Usahawan yang dikendalikan oleh MDEC. Agensi Kaunseling dan Pengurusan Kredit (AKPK) selaku Agensi di bawah Bank Negara turut bekerjasama dengan SME Corp dalam memberikan bimbingan dan khidmat nasihat mengenai kaedah pengurusan kewangan yang cekap dan berkesan serta membantu usahawan supaya ''cekap wang'' di samping memantapkan pengurusan kewangan sedia ada.
- Berita Harian | 24 Mei 2017
Shah Alam: SME Corporation Malaysia (SME Corp) komited untuk melahirkan 12,000 usahawan muda Bumiputera yang versatil menerusi Program Tunas Usahawan Belia Bumiputera (TUBE) Mega menjelang 2020.
Melalui pelaksanaan program TUBE Mega, dianggarkan 37,000 peluang pekerjaan baru dapat diwujudkan yang berupaya menjana RM1.1 bilion nilai jualan terkumpul serta menyumbang RM450 juta kepada Keluaran Dalam Negara Kasar (KDNK).
Ketua Pegawai Eksekutif SME Corp Datuk Hafsah Hashim berkata, kumpulan pertama TUBE Mega itu bakal membabitkan penyertaan 1,000 belia Bumiputera berbanding 500 belia bagi program sebelum ini.
Beliau berkata, peserta yang terpilih menyertai program keusahawanan itu akan dilatih dan dipersiapkan dengan pelbagai input sebelum membabitkan diri dalam dunia perniagaan dan keusahawanan.
“Program TUBE Mega ini dijalankan dalam skala besar dengan jangkaan peningkatan sebanyak 2,000 usahawan pada 2018, 3,000 usahawan (2019) dan 5,000 usahawan (2020) sehingga mencapai sasaran 12,000 belia yang dilatih.
“Bagi program ini, RM20 juta diperuntukkan iaitu RM11 juta dari Unit Peneraju Bumiputera (TERAJU) dan RM9 juta lagi daripada Unit Perancang Ekonomi (EPU),” katanya pada Majlis Pelancaran TUBE Mega 2017, di sini, kelmarin.
Majlis itu dirasmikan Timbalan Menteri Perdagangan Antarabangsa dan Industri Datuk Ahmad Maslan. Hadir sama Pengarah Kanan TERAJU Megat Mohd Yatim Megat Hamid.
Pada masa sama, turut diadakan majlis pertukaran Memorandum Persefahaman (MoU) antara SME Corp dan lima rakan strategik bagi TUBE Mega iaitu TERAJU, Perbadanan Ekonomi Digital Malaysia (MDeC), Agensi Kaunseling dan Pengurusan Kredit (AKPK), Malayan Banking Berhad (Maybank) dan Nazrol Tech Sdn Bhd.
Hafsah berkata, usaha sama dengan TERAJU sejajar dengan inisiatif di bawah Transformasi Ekonomi Bumiputera (BETR) 2.0 yang turut menyokong Transformasi Kesejahteraan Bumiputera (TKB) dalam agenda memperkasakan ekonomi Bumiputera.
Sejak dilaksanakan pada 2014, program keusahawanan TUBE mewujudkan hampir 3,862 peluang pekerjaan termasuk 2,437 pekerjaan baru dengan nilai jualan RM38.6 juta.
-Harian Metro | 24 Mei 2017
Lahir 12,000 usahawan TUBE
May 24, 2017 | Harian Metro
Shah Alam: SME Corporation Malaysia (SME Corp) komited untuk melahirkan 12,000 usahawan muda Bumiputera yang versatil menerusi Program Tunas Usahawan Belia Bumiputera (TUBE) Mega menjelang 2020.
Melalui pelaksanaan program TUBE Mega, dianggarkan 37,000 peluang pekerjaan baru dapat diwujudkan yang berupaya menjana RM1.1 bilion nilai jualan terkumpul serta menyumbang RM450 juta kepada Keluaran Dalam Negara Kasar (KDNK).
Ketua Pegawai Eksekutif SME Corp Datuk Hafsah Hashim berkata, kumpulan pertama TUBE Mega itu bakal membabitkan penyertaan 1,000 belia Bumiputera berbanding 500 belia bagi program sebelum ini.
Beliau berkata, peserta yang terpilih menyertai program keusahawanan itu akan dilatih dan dipersiapkan dengan pelbagai input sebelum membabitkan diri dalam dunia perniagaan dan keusahawanan.
“Program TUBE Mega ini dijalankan dalam skala besar dengan jangkaan peningkatan sebanyak 2,000 usahawan pada 2018, 3,000 usahawan (2019) dan 5,000 usahawan (2020) sehingga mencapai sasaran 12,000 belia yang dilatih.
“Bagi program ini, RM20 juta diperuntukkan iaitu RM11 juta dari Unit Peneraju Bumiputera (TERAJU) dan RM9 juta lagi daripada Unit Perancang Ekonomi (EPU),” katanya pada Majlis Pelancaran TUBE Mega 2017, di sini, kelmarin.
Majlis itu dirasmikan Timbalan Menteri Perdagangan Antarabangsa dan Industri Datuk Ahmad Maslan. Hadir sama Pengarah Kanan TERAJU Megat Mohd Yatim Megat Hamid.
Pada masa sama, turut diadakan majlis pertukaran Memorandum Persefahaman (MoU) antara SME Corp dan lima rakan strategik bagi TUBE Mega iaitu TERAJU, Perbadanan Ekonomi Digital Malaysia (MDeC), Agensi Kaunseling dan Pengurusan Kredit (AKPK), Malayan Banking Berhad (Maybank) dan Nazrol Tech Sdn Bhd.
Hafsah berkata, usaha sama dengan TERAJU sejajar dengan inisiatif di bawah Transformasi Ekonomi Bumiputera (BETR) 2.0 yang turut menyokong Transformasi Kesejahteraan Bumiputera (TKB) dalam agenda memperkasakan ekonomi Bumiputera.
Sejak dilaksanakan pada 2014, program keusahawanan TUBE mewujudkan hampir 3,862 peluang pekerjaan termasuk 2,437 pekerjaan baru dengan nilai jualan RM38.6 juta.
-Harian Metro | 24 Mei 2017
May 24, 2017 | Harian Metro
Read More
Shah Alam: SME Corporation Malaysia (SME Corp) komited untuk melahirkan 12,000 usahawan muda Bumiputera yang versatil menerusi Program Tunas Usahawan Belia Bumiputera (TUBE) Mega menjelang 2020.
Melalui pelaksanaan program TUBE Mega, dianggarkan 37,000 peluang pekerjaan baru dapat diwujudkan yang berupaya menjana RM1.1 bilion nilai jualan terkumpul serta menyumbang RM450 juta kepada Keluaran Dalam Negara Kasar (KDNK).
Ketua Pegawai Eksekutif SME Corp Datuk Hafsah Hashim berkata, kumpulan pertama TUBE Mega itu bakal membabitkan penyertaan 1,000 belia Bumiputera berbanding 500 belia bagi program sebelum ini.
Beliau berkata, peserta yang terpilih menyertai program keusahawanan itu akan dilatih dan dipersiapkan dengan pelbagai input sebelum membabitkan diri dalam dunia perniagaan dan keusahawanan.
“Program TUBE Mega ini dijalankan dalam skala besar dengan jangkaan peningkatan sebanyak 2,000 usahawan pada 2018, 3,000 usahawan (2019) dan 5,000 usahawan (2020) sehingga mencapai sasaran 12,000 belia yang dilatih.
“Bagi program ini, RM20 juta diperuntukkan iaitu RM11 juta dari Unit Peneraju Bumiputera (TERAJU) dan RM9 juta lagi daripada Unit Perancang Ekonomi (EPU),” katanya pada Majlis Pelancaran TUBE Mega 2017, di sini, kelmarin.
Majlis itu dirasmikan Timbalan Menteri Perdagangan Antarabangsa dan Industri Datuk Ahmad Maslan. Hadir sama Pengarah Kanan TERAJU Megat Mohd Yatim Megat Hamid.
Pada masa sama, turut diadakan majlis pertukaran Memorandum Persefahaman (MoU) antara SME Corp dan lima rakan strategik bagi TUBE Mega iaitu TERAJU, Perbadanan Ekonomi Digital Malaysia (MDeC), Agensi Kaunseling dan Pengurusan Kredit (AKPK), Malayan Banking Berhad (Maybank) dan Nazrol Tech Sdn Bhd.
Hafsah berkata, usaha sama dengan TERAJU sejajar dengan inisiatif di bawah Transformasi Ekonomi Bumiputera (BETR) 2.0 yang turut menyokong Transformasi Kesejahteraan Bumiputera (TKB) dalam agenda memperkasakan ekonomi Bumiputera.
Sejak dilaksanakan pada 2014, program keusahawanan TUBE mewujudkan hampir 3,862 peluang pekerjaan termasuk 2,437 pekerjaan baru dengan nilai jualan RM38.6 juta.
-Harian Metro | 24 Mei 2017
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Sempena bulan Ramadhan dan Syawal yang bakal menjelang tiba (termasuklah hari-hari perayaan yang akan turut tiba pada hujung tahun) ramai daripada kita tentunya sibuk dengan persediaan untuk perayaan yang dinanti-nantikan. Seelok-eloknya kita tidak usah terlebih belanja di musim ini memandangkan kita perlu juga menabung untuk situasi yang tidak diduga seperti kecemasan.
Di sini AKPK menyediakan beberapa tip asas untuk membantu anda menghindari tabiat boros berbelanja pada musim menarik ini.
1) Sediakan senarai bajet yang anda harus patuhi
Penyediaan bajet sebelum keluar membeli-belah sememangnya berguna. Suatu senarai beli belah boleh membantu anda berbelanja mengikut peruntukan wang yang anda tetapkan. Apabila membuat bajet, pastikan ia realistik. Memandangkan sumber kewangan anda terhad, kenalpasti perbelanjaan yang paling perlu terlebih dahulu.
2) Opsyen balik kampung
Sekiranya anda perlu berjalan jauh untuk balik ke kampung halaman, rancanglah dengan sempurna awal-awal lagi. Lazimnya pada musim Hari Raya, kesesakan trafik tidak dapat dielakkan. Pastikan anda servis kenderaan anda sebelum membuat perjalanan untuk mengelakkan kejadian tidak diingini, termasuk apa-apa kesulitan yang akan memerlukan wang. Jika anda menggunakan kenderaan awam untuk balik kampung, cubalah dapatkan tiket anda seawal mungkin atau pada waktu jualan murah. Tabiat merancang awal tentunya akan menguntungkan anda.
3) Jadilah pembeli bijaksana
Selalu tinjau harga barangan dan perkhidmatan dan buatlah perbandingan harga. Adakah perlu untuk membeli barangan berjenama mahal? Apa salahnya membeli alternatif keluaran umum yang lebih murah dan tidak kurang kualitinya? Tulis dan bawa dengan anda senarai barangan yang perlu dibeli. Terdapat pelbagai pusat beli belah yang mengadakan jualan murah apabila musim perayaan tiba. Akan tetapi janganlah terlalu ghairah pada waktu ini untuk mengelakkan terlebih belanja. Wang berlebihan yang disimpan boleh digunakan untuk tabungan ataupun keperluan lain.
4) Amalkan tabiat kitar semula
Mengguna semula hiasan Raya seperti langsir, alas kusyen dan butiran kecil seperti hiasan perayaan boleh membuka kreativiti dan inovasi anda serta keluarga. Cara ini turut membolehkan anda menjimatkan wang. Jangan lupa menabung walaupun tibanya masa untuk beraya!
5) Buatlah persediaan sendiri
Rekodkan segala perbelanjaan anda. Kenalpasti perbelanjaan tetap dan berubah serta perbelanjaan budi bicara anda. Sekiranya anda dapati diri anda berbelanja lebih, cuba hadkan perbelanjaan kepada apa yang perlu sahaja.
6) Baju baru – berapa set sebenarnya?
Mempunyai baju raya dan kasut baru untuk hari pertama Syawal adalah suatu kebiasaan. Apa kata anda membeli baju yang anda tahu anda akan pakai semula di masa kelak. Adakah perlu membeli jenama mahal dan berbaloikah untuk nilai wang anda? Adakah anda akan mengguna semula pakaian tersebut dengan kerap?
7) Beli apa yang anda perlu, bukan apa yang anda mahu
Perubahan gaya hidup akan memanfaatkan situasi kewangan anda. Pastikan anda membayar penuh bil kad kredit anda sekiranya anda ingin menggunakan kad tersebut. Ini kerana baki hutang kad kredit yang dibawa ke bulan seterusnya akan dikenakan faedah kompaun, walaupun anda membayar bayaran minimum. Belanjalah untuk keperluan, bukan untuk barangan mewah.
8) Jangan lupakan kewajipan anda
Memang menjadi kebiasaan untuk bergembira di musim perayaan. Menabung terlebih dahulu dan seperti biasa, pastikan sekurang-kurangnya 10% daripada gaji bersih anda ditabungkan. Cuma beli apa yang perlu mengikut bajet yang ditetapkan. Sekiranya anda perlu membeli barangan mahal, pastikan ia dilihat sebagai suatu pelaburan yang baik, iaitu untuk jangkamasa panjang. Hidup secara sederhana dan praktikkan tangguhan kepuasan sehingga anda benar-benar mampu berbelanja. Ambillah beberapa hari untuk memastikan sama ada anda boleh hidup tanpa barangan atau perkhidmatan tersebut.
9) Berseronoklah secara sederhana
Berdisiplin dan jadikan tabiat menabung gaya hidup anda tidak kira peristiwa atau waktu. Anda cuma memerlukan sedikit kreativiti dan rancangan. Kita boleh beraya secara sederhana. Lagipun, yang paling penting ialah pertalian silaturrahim antara keluarga dan rakan-rakan.
Dengan ini, AKPK berharap anda akan bijak membuat keputusan apabila perasaan musim perayaan menjelma. Dari AKPK, kami dengan awalnya mengucapkan Selamat Hari Raya Aidilfitri. Ingat, sentiasalah amalkan pengurusan kewangan berhemat sebagai budaya hidup.
- Posted at Jun 14, 2017
- in Family
9 Ways to have a ...
As we go through the holy month of Ramadhan and eventually Syawa...
Continue Reading >As we go through the holy month of Ramadhan and eventually Syawal where Hari Raya Aidilfitri will be celebrated nationwide, many households are busy preparing for the festive season. This excitement often tempts us to overspend. However, if we manage our funds wisely, we need not necessarily be in a financially burdened position with Hari Raya celebrations and this applies to other festive seasons as well.
Below is a quick guide to avoid getting carried away with our spending:
1) Prepare a budget
As is your monthly practise, prepare a budget of your expenses for festive seasons. Add in an allocation for the unexpected expenses that come with celebrations. Remember that you need to prepare a realistic budget and stick to it. Ensure that you do not overindulge with food purchases during Ramadhan as well, it’s bad for your wallet as well as your health.
2) Make a checklist
Before you leave home for a shopping spree, be sure to make a realistic checklist of all the things you need to buy. Most importantly, stick to the list! A shopping checklist will help you focus only on things you ‘need’ and not the things you ‘want’. With all the sales and promotions in festive seasons, it is easy to spend on ‘wants’ as well. Ensure the value of the items in your checklist correlates the budget prepared earlier.
Before making any purchase, ask yourself these questions:
- Do I need this?
- Can I afford it?
- Is there a cheaper alternative to my purchase?
3) Be a smart shopper
Keep a tab on discounts, what shops are selling and at what price. By no means does this mean that you overspend because it is cheap. Shop around for the best prices and promotions on offer. The Internet also serves as a platform for being a smart shopper. You can compare prices of different stores and also check if an online purchase is available and cheaper for the same product.
4) Not everything needs to be new
Though it is the festive season, not everything in the house need be new. The decorations can be recycled and there will be no need to buy new ones every year. This applies to clothes, furniture, crockery and accessories too.
5) Taking cash advances
Many employers offer salary in advance of pay date and bonuses during festive periods. One’s attitude and spending habits are important here. It is imperative that one is responsible with these salary advances and bonuses and it will be deducted from the monthly salary in future.
We urge Malaysians to be frugal during festive period so that their monthly expenses are not jeopardized following festivities. We advise Malaysians to prepare a budget and to live within their means during the Hari Raya celebration.
6) Cash vs credit
Only buy things using cash to avoid being financially burdened post-festive season. This way you will be able to limit your purchases while sticking to the budget prepared. If you are making a credit card purchase, ensure that you will be able to pay for it in full so the arrears do not accumulate interest.
7) Make travelling plans in advance
Plan your balik kampung trip in advance. If you are driving home, ensure that you send your vehicle for a thorough service before the trip. Should you choose to travel by bus, ensure that you have purchased your bus tickets in advance to avoid paying a hefty price for a ticket and to avoid disappointments in case the tickets are all sold out due to the increased demand. If you are flying home, then look for promotions in airline companies in advance. Where possible, travel with budget airlines to get value for money and when tickets are purchased ahead of travel date, the price is lower than normal prices.
8) Allocate for current monthly expenditure and pay your bills before the festive season
Ensure that you have allocated a portion of your salary to pay your current monthly expenditure and that all your monthly commitments have been paid off. The allocated funds should not be mixed with the funds you intend to spend shopping in preparation for the celebration and the funds you intend to spend during Hari Raya. By allocating this money, you will not be in a financially tight spot after Hari Raya.
9) Do not forget to save
Though additional expenses are expected during festive seasons, one must not neglect to put savings aside. It is recommended that we put aside at least 10% of our monthly income as savings for a rainy day, festive months should be no exceptions.
Festive seasons are an annual celebration and therefore give us plenty of time to save in advance for the festivity. This habit will give you a peace of mind when the celebration arrives as you have already allocated additional funds (saved over a period) and the expenses will not throw you off-budget.
Remember, the only essential must have for Hari Raya is family, there is no celebration without your loved ones around you to make the day grander.
AKPK would like to take this opportunity to wish Selamat Hari Raya Aidilfitri, Maaf Zahir dan Batin to all our Muslim friends and hope this Raya will be filled with many pleasant memories for all Malaysians.
- Posted at Mar 28, 2017
- in Family
8 Financial Lessons...
Raising a child is expensive in Malaysia, particularly in urban ...
Continue Reading >Raising a child is expensive in Malaysia, particularly in urban areas with high cost of living. Parents need to keep any eye on their family spending, to ensure there are planned savings for expected and unexpected financial expenses, and to maintain a stable financial household.
The below are some best practices and valuable tips for parents to ponder on cutting expenditures and to cultivate saving culture.
• Saving Habit
Embrace a saving culture at a young age and teach your children how to invest their pocket money. Explain to them what is the growth of principal investment and the returns earned from their savings. Open today a saving bank account for your child and pay a fraction of the pocket money to be deposited into a bank account. With a minimum deposit of RM1.00 to open an account, you can motivate your child to save money. There are junior saving accounts offered by local banks, compliments with insurance coverage for your child, an added advantage to protect your child. Encourage them to save up for something meaningful & worthwhile, that the child would like to purchase at a later date. Teach children the financial responsibility and empower them with financial skills in money management. This will help parents to avoid unnecessary purchases and compulsive spending that eat up their budget. The goal is for your children to appreciate the value of money and understand their parents work hard to earn money. The proactive financial actions help to enhance the financial health and the well being of your family in the long run.
• Tertiary Education
It’s imperative to save money for your children’s education, from the time when a child is born. Prudent education investment move, will protect parents against inflation and be financially prepared, to pay for their children’s higher education fee. Essential factors need to be well thought-out; local or abroad tertiary education and the field of studies to be pursued. Tertiary education in Malaysia costs between RM30,000 to RM200,000 (public & private institutions) and studying abroad in countries like the US , UK and Australia, the estimated cost ranges from RM300,000 –RM800,000; the figure inclusive of college fees, accommodation, food and transportation. When a child embarks on his/her journey to college, education costs money and the cost of financial ignorance leads to financial stress. Financial aid is available for education but it does not guarantees loan offer or able to support the cost of the preferred study and the selected university of your child’s choice. It is good to speak to a financial adviser, for a best education planning and investment option for your family.
• Clothing
It is advisable not to spend huge money on clothing; children will grow out of them very quickly. A branded children’s cloth item costs RM80 –RM150, too expensive for many middle class Malaysian families to afford. There are quality and reasonable priced clothing available in moderate range children stores. Sales clearance is the best time to buy your child’s clothing and there are several sales season throughout the year. Night market is a good place to buy economical clothing for a big family. Parents with more than a child need not have to spend lots of money on clothing; the clothes can be passed down in the family. In Malaysia, pre loved clothes are usually donated to homes but today there are several online sites, which sell pre loved clothes for children. Some of these clothing items are expensive boutique brands and the clothes are fairly in good condition, which parents are able to purchase at a reasonable price. The younger generation parents prefer purchasing children clothes with online shopping, which is comparatively cheaper to a shopping complex children store.
• Food
Eating out frequently is lavish expenditure and does not provide the best value for your money. A decent meal in a restaurant will cost RM100 –RM150 for a family of three members. Food prices at restaurants are three to five times more expensive than your grocery items. Children love to eat at their favorite fast food restaurants, which is very unhealthy. We don’t want to feed our children with processed food; a damaging eating lifestyle we want to discard. The food cooked at home is more nutritious compared to a restaurant which uses lots of fat, salt and sugar. Learning to cook at home saves a big fraction of your money and provides a well balanced diet for your family and you will be definitely satisfied with the food you are serving your children. The food prepared at home is assured of quality & safety, and what's more, you get a better value for the money spent.
• Holiday
The depreciation of ringgit against major currencies in the world makes holiday destinations too expensive or impossible for many Malaysian families to travel abroad. Local destinations offer a better economic deal for Malaysians due to the currency disadvantage. Parents have also an option to plan family trips at a very minimal cost, activities such as jungle trekking, hiking adventure to local attraction places like Broga Hill, Cameron Highland and cycling activity in Taman Cahaya & Putrajaya, just to name a few, promotes a healthy and quality family lifestyle. It contributes a huge saving opportunity for parents and to channel the money to other crucial priorities and debt reductions plan.
• Pay Cash
Cultivate the habit of paying cash when you purchase groceries and other shopping items. The rising goods and services prices, increases the household debt of many parents with credit card utilization. Never use the banks’ money, to pay for your current expenses. If you prefer to use the credit card for convenience, ensure your card is paid in full every month by the due date. Using the bank’s money to satisfy your family’s current needs, creates financial volatile; the income earned will be insufficient to pay your debts. You will end up paying more to your creditors with continuous interest charged to your credit card balance monthly. Credit card is the most expensive financial product; abuse of credit cards will destroy your family’s financial future and hurt your credit score. Keep credit cards for emergency needs and most importantly avoid compulsive spending behavior.
• Stop Buying Waste Items
To curb your financial spending, avoid purchasing unwanted shopping items; compulsive spending behavior is damaging to your family’s financial expense. Window shopping and online shopping are very tempting and bad decisions made will diminish your bank balance in a matter of time. Take a step further; ask yourself do you really need the item? Any of your family members will be utilizing the item? The item you intend to purchase, will it be sitting in your closet for months or taking up the storage space in your house? These questions will assist you to deduce whether the item is necessity expenditure in your current budget.
• Parties
Children parties are luxury trend statement in urban areas, to have big expensive birthday parties in kids entertainment outlets, exclusive restaurants, zoo and water recreational parks, just to name a few. Exquisite birthday cakes with 3D design, tier cup cakes, extravagant candy bar buffet, all acquired at exorbitant prices to keep up with your child’s expectations and peer pressure demands. These types of birthday parties make parents incredibly stressed with an estimated party cost of RM5, 000- RM8, 000, an excessive expense in your balance sheet. Young children will always be overwhelmed with birthday parties whether it’s a big or small party. Plan a birthday that takes into account your bank balance and budget. With thoughtful planning, you can give your child a memorable and fun party.
Saving is an essence of financial security and making the financial budget to control your expenditures puts you in a good position to administer your cash flow effectively. Save wisely and invest your money for future financial growth, to generate a potential financial ability to support the needs of your family.
- Posted at Mar 21, 2017
- in Family
Biaya Rumah
Pasaran untuk pinjaman perumahan adalah amat kompetitif dan inst...
Continue Reading >Pasaran untuk pinjaman perumahan adalah amat kompetitif dan institusi kewangan kini menawarkan pelbagai jenis pinjaman untuk menarik pelanggan. Ada juga pinjaman yang menawarkan hadiah-hadiah percuma untuk dipakejkan bersama pinjaman perumahan.
Buatlah perbandingan dan dapatkan sebanyak mungkin maklumat seperti kadar faedah yang ditawarkan sebelum menentukan pinjaman yang sesuai bagi anda.
Seperti produk pinjaman lain, anda boleh memilih antara pinjaman perumahan konvensional atau perbankan Islam.
Pinjaman perumahan merupakan suatu komitmen kewangan yang sangat besar serta memakan masa yang panjang untuk dijelaskan. Pertimbangkan dengan teliti semua aspek pinjaman sebelum membuat sebarang keputusan. Antara faktor pertimbangan:
- Adakahpinjaman tersebut untuk membeli rumah yang telah siap atau yang masih dalambinaan? Adakah anda akan membeli tanah untuk membina rumah?
- Berapakah nilai rumah atau tanah yang ingin anda beli? Berapakah ansuran yang mampu anda bayar setiap bulan, bergantung kepada aliran tunai bulanan anda?
- Adakah anda mempunyai cukup wang untuk membuat bayaran pendahuluan dan aliran tunai yang memadai untuk bayaran ansuran seterusnya?
- Apakah fee atau yuran berkaitan atau kos lain yang perlu dibayar? Contohnya duti setem dan yuran guaman, pemprosesan atau pembayaran.
- Adakah kadar faedah tetap atau kadar faedah berubah selaras dengan perubahan pada kadar asas (BR – Base Rates)?
- Adakah bayaran pinjaman anda fleksibel? Terdapat beberapa jenis skim pembayaran fleksibel yang ditawarkan. Buat semakan.
- Adakah dikenakan apa-apa penalti sekiranya anda membuat bayaran balik keseluruhan pinjaman lebih awal daripada tempoh yang dipersetujui? Institusi kewangan biasanya mengenakan penalti sebegini kerana mereka telah menawarkan pakej yang menarik bagi pinjaman perumahan anda.
- Adakah kadar faedah yang tetap ataupun yang berubah-ubah lebih baik bagi pinjaman anda?
Dengan kadar pinjaman tetap, faedahnya tetap dan anda sedia maklum tentang jumlah ansuran yang perlu dibayar. Manakala bagi kadar yang berubahubah, faedahnya berubah mengikut perubahan pada kadar pemberian pinjaman asas (BLR).
Jika kadar tersebut meningkat, maka kadar faedah yang dikenakan akan meningkat dan begitu juga dengan bayaran ansuran bulanan anda.
Bagaimanapun, sekiranya kadar pemberian pinjaman asas (BLR) menurun, maka anda akan menikmati manfaatnya kerana bayaran bulanan anda juga akan menurun.
Ada juga kadar pinjaman faedah yang berubah-ubah tetapi bayaran ansuran bulanannya adalah tetap. Sekiranya berlaku perubahan pada kadar faedah, maka yang berubah hanyalah tempoh masa pembayaran pinjaman sama ada mengurang ataupun bertambah.
Pinjaman perumahan boleh dibayar melalui cara-cara berikut:
- Skim bayaran berperingkat:
Kaedah ini membolehkan anda mengurangkan beban pembayaran pada peringkat awal pinjaman. Bayaran ansuran meningkat apabila kemampuan peminjam meningkat.
Kaedah ini berguna apabila anda baru sahaja mendapatkan pekerjaan dan gaji anda dijangka meningkat dari tahun ke tahun. - Pembayaran awal pinjaman:
Anda boleh memendekkan tempoh pinjaman dengan membuat pembayaran awal bagi sebahagian daripada baki pinjaman melalui lebihan wang tabungan atau bonus tahunan.
Jika dibuat pada tahun-tahun awal pinjaman, anda dapat mengurangkan caj faedah yang dikenakan. Walau bagaimanapun, sesetengah institusi kewanganmenghadkan jumlah yang boleh dibuat bagi pembayaran awal.
Jumlah pokok sesuatu pinjaman akan berkurangan setiap kali bayaran ansuran dibuat. Sebagai peminjam, anda hendaklah:
- Membaca dan memahami keseluruhan terma dan syarat pinjaman.
- Sentiasa mematuhi terma dan syarat yang telah ditetapkan.
- Bertanya mengenai semua aspek pinjaman sehingga anda berpuas hati.
- Membuat bayaran ansuran mengikut jadual.
- Pastikan anda mendapat maklumat yang tepat mengenai pinjaman anda.
Sepertimana pinjaman yang lain, sekiranya anda gagal membuat bayaran, institusi kewangan berkenaan berhak mengambil tindakan undang-undang terhadap anda agar mendapatkan semula pinjaman berkenaan.
Courtesy of Berita Harian
- Posted at Mar 17, 2017
- in Family
Pilih pakej terbaik
Kenal pasti jenis pinjaman perumahan sesuai, anjal elak bebanSel...
Continue Reading >Kenal pasti jenis pinjaman perumahan sesuai, anjal elak beban
Selepas mengetahui kemampuan dalam menggunakan kewangan, sekarang anda perlu membuat perbandingan pakej pinjaman paling sesuai dalam pembelian rumah.
Antara jenis pinjaman perumahan yang ditawarkan di pasaran termasuk pinjaman konvensional atau pembiayaan Islam; pinjaman kadar tetap atau kadar terapung; pinjaman bertempoh atau pinjaman fleksibel dan bayaran tetap atau bayaran berperingkat.
Pada mulanya, diakui semua pakej ini tampak rumit dan mengelirukan jika kita lihat bermacam-macam jenis pinjaman yang ditawarkan. Sekiranya anda meluangkan sedikit masa dan mengkajinya dengan mendalam, anda berupaya membuat pilihan tepat.
Bagaimanapun, kebanyakan pinjaman perumahan yang ditawarkan di pasaran adalah bersandarkan kepada Kadar Asas (KA).
Ada pelbagai institusi kewangan yang menawarkan pinjaman pada kadar yang menarik (di bawah KA). Namun anda perlu berhati-hati kerana kadar tersebut mempunyai tempoh ‘lock-in’ (lazimnya lima tahun).
Jika anda ingin menebus pinjaman anda di dalam tempoh tersebut, mungkin perlu membayar penalti.
KA ialah kadar faedah dikira institusi kewangan berdasarkan formula yang mengambil kira kos dana dan lain-lain kos pentadbiran.
Sebarang perubahan terhadap KA akan menaik atau menurunkan bayaran ansuran bulanan dan memanjangkan atau memendekkan tempoh pinjaman.
Kadar tetap atau kadar terapung?
Bagi pinjaman kadar tetap, faedahnya tidak berubah. Sehubungan itu, ansuran bulanannya juga sama sepanjang tempoh pinjaman. Manakala pinjaman kadar terapung, kadar faedahnya bersandar kepada KA.
Jika KA naik, maka kadar faedah yang dikenakan akan meningkat, begitu juga dengan ansuran bulanannya. Sebaliknya, jika KA menurun, anda akan mendapat manfaatnya kerana ansuran bulanan anda juga menurun.
Pinjaman dengan kadar terapung juga ditawarkan dengan skim bayaran bulanan tetap. Sekiranya berlaku perubahan pada kadar faedah, maka yang berubah hanyalah tempoh masa pembayaran pinjaman.
Patuhi komitmen anda
Selepas mengetahui kemampuan anda dan jika jawapan kepada soalan berikut adalah ‘ya’, maka anda sudah pun bersedia untuk membeli rumah:
• Adakah bersedia untuk komitmen jangka panjang?
• Bolehkah saya membayar ansurannya dengan selesa?
• Sekiranya membeli rumah sebagai pelaburan, mampukah saya terus membayar ansuran walaupun tanpa pendapatan sewa?
Jika gagal membuat bayaran ansuran pinjaman perumahan, anda boleh kehilangan rumah serta semua wang yang sudah dibayar kepada pihak institusi kewangan.
Jika wang yang diperoleh selepas lelongan tidak mencukupi untuk menjelaskan baki pinjaman, pihak institusi kewangan berhak menuntut baki pinjaman serta kos daripada anda.
Courtesy of Berita Harian
- Posted at Mar 06, 2017
- in Family
The Legacy – How ...
At this point of our lives, the question of how we’d like to b...
Continue Reading >At this point of our lives, the question of how we’d like to be remembered may have crossed our minds. Most of us are not celebrities like P. Ramlee, Sudirman or Bruce Lee who are fondly remembered for their songs and action-packed movies. Neither are we national leaders or business tycoons who are admired for their outstanding contributions and achievements. In spite of that, there’s a desire within each and every one of us that we’d be remembered, at least, by our family members and loved ones for something good, hopefully.
There’s a Chinese proverb that says wealth seldom passes through to more than three generations. Normally, the first generation would work very hard to earn a living and saved a lot for the next generation. The second generation will also work very hard… at spending all the money their parents left behind! When it comes to the third generation, it’s back to square one – having to work very hard again to rebuild their wealth. Thus, there’s a need for us to plan carefully should we intend to leave something behind for our next generation and this is where Estate Planning comes into effect.
Estate Planning is really the process of managing and administrating one’s assets through proper accumulation, conservation and distribution of his/ her assets in the most effective and efficient manner. By effective, we mean the degree to which the wishes of the estate owner are attained through the process of estate planning. By efficient, we mean to achieve those wishes at the lowest possible cost. Therefore, the whole purpose of estate planning is to ensure that when the time has come for a person to return to his Creator, his assets are sufficient to meet all his wishes and the beneficiaries will receive the assets in the proportion and manner desired. In addition, it aims to minimize assets depleting expenses like taxes and that the estate is sufficiently liquid to pay for all the costs of transfer like legal fees and stamp duties.
Most of us would be thinking of how best to organize our estate to ensure that everything can proceed smoothly after our demise. We would like to leave the family home to our spouse until such time when he or she departs, the home will be passed on to our children. We would also like to leave something behind for our grandchildren as some sort of legacy for them to remember their grandparents. To achieve these objectives, there can be more than one way to realize them and we’d now look at some of the common estate planning instruments.
Basically, a Will is a written instrument by which an individual signifies his wishes as to the distribution of his estate after his demise. Since it takes effect only after death, a Will, by its very nature, is revocable and can be modified at any time before the Will-maker dies. It is one of the cheapest and easiest ways to organize one’s estate and there are various ways in which you may get a Will written. You may engage a lawyer who is well-versed with estate laws to write a Will (especially if you have loads of assets and dozens of family members!) or you may seek the help of a professional Will-writer. There’s also Amanah Raya Berhad, a quasi-governmental body that specializes in estate administration, offering Will-writing services as well as estate administration and trust services. Of course, you may also Do-It-Yourself by searching for sample Wills in the internet or books, provided your Will is a straight-forward one. Muslims are also able to write their Wills to cater to their needs who want to adhere to the syariah principles in estate administration.
Apart from the Will, there is another instrument which is a Trust. Essentially, a Trust is a legal arrangement or relationship whereby an individual transfers assets to a third party called a trustee (who may be an individual, a professional advisor or a corporation) who are bound to follow a set of directives, rules and regulations for the benefit of others known as the beneficiary or distribute. A Trust creates an equitable obligation, either expressly undertaken or strictly imposed by the court of law. The trustee is duty bound to handle the trust property for the benefit of the beneficiaries. In this regard, Muslims may also create a Trust and it is a very important and useful instrument for estate planning purposes. For example, if we decide to create a Trust whereby each of our grandchildren will receive RM100 a month until they reach 21 years old, upon which they stand to get a lump sum of RM10,000 each as a graduation gift. All these payments will be ongoing even when we are not around.
Last but not least, you may also create a Life Insurance Trust by purchasing an insurance policy on your own life and nominating your spouse, children or parents as your nominees. Upon your death, the sum assured plus whatever bonuses, if any, will be payable to your appointed nominees and they will be able to receive the money as beneficiaries. The advantage of this method is that there’s no need for probate and thus your family members will be able to receive the money sooner with less hassle. However this is not applicable for Muslims as their appointed nominees will receive the money as trustees rather than beneficiaries and they should distribute it according to the faraid law of distribution.
So, how would you like to be remembered? You need not be a superstar or a world leader to be able to leave a legacy. And what better legacy to leave behind than the positive values that you sow within the hearts and minds of our children and our grandchildren. As the saying goes, “Give a man a fish and you feed him for a day. Teach a man to fish and you’d feed him for a lifetime!” This is similar to financial management and we should not just leave behind a large estate for our children without teaching them how to manage. This may be one legacy worth leaving behind…
- Posted at Feb 07, 2017
- in Family
Labur Jangan Sampai...
Labur Jangan Sampai LeburMengapakah anda perlu melabur? Setiap o...
Continue Reading >Labur Jangan Sampai Lebur
Mengapakah anda perlu melabur? Setiap orang mempunyai sebab masing-masing yang mendorong mereka untuk melabur. Ada yang melabur kerana ingin mencapai matlamat hidup yang khusus, contohnya untuk mencapai kebebasan kewangan dan menikmati hidup tanpa hutang. Ada juga yang melabur kerana ingin menjana pendapatan tambahan bagi menampung kos sara hidup harian yang kian meningkat dalam keadaan ekonomi semasa yang semakin mendesak ini. Ada pula yang melabur kerana ingin mengatasi kadar inflasi yang naik saban tahun. Walau apa jua tujuan anda melabur, kenali dahulu jenis pelaburan yang sedia ada serta potensi pulangannya. Buatlah keputusan pelaburan dengan bijak supaya pelaburan anda tidak lebur begitu sahaja.
Apakah jenis pelaburan yang ada?
Terdapat pelbagai jenis pelaburan berkaitan produk perbankan dan sekuriti yang diluluskan atau di bawah kawal selia oleh pihak berkuasa seperti Bank Negara Malaysia (BNM) dan Suruhanjaya Sekuriti Malaysia (SC). Setiap pelaburan mempunyai potensi pulangan dan risikonya yang tersendiri. Anda juga harus tahu bahawa semakin tinggi potensi pulangan sesuatu pelaburan itu, bermakna semakin tinggi jugalah risikonya.
Namun berhati-hatilah, kerana terdapat juga pelbagai jenis pelaburan di luar sana yang tidak diiktiraf atau diluluskan oleh pihak berkuasa. Pastikan anda memilih saluran pelaburan yang diyakini selamat untuk menjamin kemungkinan pulangan pelaburan yang baik.
Skim Cepat Kaya
Antara jenis pelaburan yang tidak mendapat kelulusan ialah skim-skim pelaburan yang menjanjikan menjanjikan pulangan yang cukup tinggi dalam jangka masa yang sangat singkat sehingga mampu menarik minat ramai orang untuk menyertainya. Pelabur-pelabur malang yang terjebak dalam skim pelaburan cepat kaya sebegini akhirnya akan kehilangan segala-galanya. Kaya yang diimpikan hanya bakal mengundang mimpi ngeri.
Dengan jaminan risiko yang sangat rendah atau hampir tiada risiko, pengendali skim-skim cepat kaya ini bijak bermain kata-kata untuk memancing perhatian mangsa dengan jaminan pulangan yang tinggi dalam masa yang singkat. Mereka pandai meyakinkan anda untuk melabur wang anda dalam skim mereka dan akhirnya pelaburan anda akan hilang begitu sahaja. Meskipun banyak skim seperti ini yang telah dikenal pasti oleh pihak berkuasa dan ada antara pengendalinya dapat ditangkap dan didakwa di mahkamah, mereka tidak pernah serik untuk menubuhkan skim-skim baharu untuk terus memerangkap mangsa baharu. Mereka sentiasa memperbaiki sistem skim penipuan lama dengan memperkenalkan ciri-ciri yang kononnya berbeza untuk mengelakkan daripada dikesan dan ditangkap oleh pihak berkuasa. Pelbagai ciri unik ditambah atau diolah untuk mengaburi kesedaran dan menarik pelabur-pelabur baharu.
Jenis-jenis Skim Pelaburan Haram
- Skim Dagangan Mata Wang Asing Haram – Skim ini melibatkan aktiviti pelaburan dalam mata wang asing dengan tujuan untuk mendapat pulangan yang tinggi daripada pergerakan kadar tukaran mata wang asing. Pelabur lazimnya mudah tertarik dengan pulangan lumayan yang dijanjikan serta kemudahan akses pelaburan yang kini kebanyakannya boleh dilakukan dengan mudah secara dalam talian. Pelabur diumpan dengan undangan untuk menghadiri seminar dan bengkel percuma yang menerangkan betapa lumayannya pulangan yang bakal mereka perolehi. Pelabur kemudiannya diminta membuka akaun dagangan mata wang asing dengan sesebuah syarikat yang didakwa mempunyai dagangan mata wang lesen yang sah. Setelah mendepositkan sejumlah wang ke dalam akaun tersebut, pelabur akan sentiasa diminta untuk menambahkan pelaburan dengan alasan kekurangan margin pelaburan awal dan untuk mengelakkan kehilangan modal.
Tahukah anda bahawa skim-skim ini kini cenderung menggunakan siswazah atau graduan baharu dari institusi pengajian tinggi untuk mempromosikan sistem pelaburan mereka? Bukan sahaja golongan ini sering tampil kemas dan berpengetahuan tinggi dalam membicarakan mengenai pasaran mata wang dunia, malah mereka juga lebih mudah untuk mempengaruhi ahli keluarga serta rakan-rakan untuk menyertai skim pelaburan ini. Akta Kawalan Pertukaran Asing 1953 (ECA) jelas menyatakan bahawa adalah menjadi satu kesalahan bagi seseorang untuk membeli atau menjual mata wang asing, atau terlibat atau mempunyai kaitan atau membuat persediaan di dalam sebarang perbuatan membeli atau menjual mata wang asing dengan mana-mana individu atau syarikat yang tidak mendapat kebenaran daripada pihak berkuasa untuk menjalankan aktiviti sedemikian. Oleh itu, jika anda diajak untuk melabur wang anda dalam skim pelaburan mata wang asing oleh pihak selain daripada peniaga mata wang yang sah, anda mungkin akan menjadi mangsa seterusnya sindiket dagangan haram mata wang asing. - Skim Pelaburan Internet – Skim ini lebih terkenal dengan generasi celik IT yang tegar menggunakan internet dan media sosial untuk mendapatkan maklumat serta menggunakan kemudahan dalam talian untuk berurusan. Pelaburan ini membayangkan pulangan, faedah atau keuntungan yang besar, kebiasaannya pada kadar yang lebih tinggi daripada yang ditawarkan oleh institusi kewangan berlesen yang lain. Mereka juga meyakinkan pelabur bahawa risiko pelaburan dalam skim mereka adalah sangat rendah, bahkan sesetengah pengendali skim berani menjanjikan pulangan tanpa sebarang risiko pelaburan. Melalui laman web atau e-mel, pelabur didekati oleh pengendali skim ini dengan tawaran khidmat nasihat kewangan percuma serta pujukan untuk melabur dengan mereka. Namun individu atau syarikat pengendali skim pelaburan ini sebenarnya tidak pernah dilesenkan sebagai penerima deposit dan tidak mendapat kebenaran oleh pihak BNM. Mereka juga tidak memperoleh lesen atau kelulusan daripada pihak SC untuk memberikan nasihat pelaburan yang berkaitan dengan aktiviti sekuriti atau niaga hadapan, apatah lagi untuk menjalankan aktiviti pengurusan dana di Malaysia.
- Pengambilan deposit secara haram – Deposit yang dilaburkan di bawah skim ini turut dijanjikan dengan pulangan yang tinggi, meskipun pengendali skim ini tidak mempunyai kuasa atau kebenaran untuk mengambil deposit daripada mana-mana pihak. BNM hanya memberikan lesen kepada pihak bank atau syarikat tertentu sahaja untuk menerima deposit daripada orang awam. Pengendali skim ini bijak beroperasi dengan meyakinkan pelabur melalui pulangan awal yang diberikan hasil kutipan daripada pelabur-pelabur baharu yang lain. Pelabur kemudiannya dipujuk untuk melabur semula dengan jumlah yang lebih besar untuk menikmati pulangan yang lebih lumayan pada kadar yang tinggi. Pelabur juga mungkin digalakkan untuk mempromosi dan mengajak rakan-rakan menyertai skim ini.Walau bagaimanapun, tiada jaminan yang pengendali ini mampu untuk terus membayar pulangan seperti yang dijanjikan jika mereka atau anda sendiri gagal mendapatkan pelabur-pelabur baharu. Akhirnya, skim ini akan gagal dan pelabur menghadapi kerugian apabila pengendali menghilangkan diri bersama-sama wang pelaburan yang terkumpul.
- Penipuan melalui sistem pesanan ringkas (SMS), e-mel dan phishing – Satu lagi trend penipuan pelaburan alaf baharu adalah dengan menggunakan perantaraan SMS dan e-mel untuk menjalankan aktiviti memancing data peribadi atau dikenali sebagai phishing. SMS dihantar secara rawak untuk menawarkan hadiah-hadiah menarik serta ganjaran hebat sama ada wang tunai atau barangan mewah. Penerima yang bertuah akan dikehendaki menghubungi mereka semula untuk memberikan butiran lanjut supaya pemberian hadiah-hadiah dapat dilakukan. E-mel yang dihantar pula kononnya mengandungi notis makluman penting daripada pihak bank yang memerlukan pengguna untuk memberikan maklumat peribadi mereka seperti nombor kad pengenalan, nombor akaun bank serta kata laluan akaun bank. Jika pengguna menjawab e-mel tersebut, maklumat peribadi pengguna akaun akan dapat digunakan oleh pengendali skim untuk mengakses dan memindahkan wang simpanan yang terdapat di dalam akaun bank pengguna. Meskipun penghantaran SMS dan e-mel ini sering dilakukan tanpa mengambil kira sama ada pengguna tersebut benar-benar mempunyai akaun di bank yang disebutkan, tetapi masih ada mangsa yang terpedaya dengan helah sedemikian. Berhati-hatilah dengan sebarang tawaran melalui SMS atau e-mel yang anda terima dan pastikan dahulu bahawa sumbernya adalah daripada pihak yang sah. Anda juga dinasihatkan supaya tidak mengklik pautan yang mencurigakan, terutamanya apabila melakukan transaksi perbankan atas talian.
Melaburlah Dengan Selamat
Untuk memastikan anda tidak terjerat dengan skim pelaburan haram yang semakin agresif mencari pelabur baharu, anda dinasihati supaya tidak membuat sebarang deposit atau pelaburan dengan individu atau entiti yang tidak dikawal selia oleh pihak berkuasa di bawah undang-undang yang berkaitan. Sebelum anda membuat sebarang keputusan berkaitan pelaburan, semak terlebih dahulu dengan pihak berkuasa yang berkaitan sekiranya anda meragui sebarang skim yang ditawarkan oleh pihak yang tidak dikenali. Anda juga dinasihatkan untuk merujuk pada Investor Alert dan maklumat mengenai tindakan penguatkuasaan yang dikeluarkan oleh BNM dan SC melalui pautan berikut:
http://www.bnm.gov.my/documents/2016/20160627_FCA_BM.pdf
http://www.sc.com.my/enforcement/investor-alerts/sc-investor-alerts/
Setiap pelabur mestilah mengetahui tujuan utama mereka melabur. Dorongan dan keperluan masing-masing mungkin berbeza. Inilah yang sebenarnya mempengaruhi cara mereka membuat keputusan dalam melakukan pelaburan. Walau apapun tujuan pelaburan anda, semaklah dahulu kesahihan skim yang ditawarkan agar pelaburan anda tidak lebur.
- Posted at Feb 03, 2017
- in Family
Buying a Home – D...
Thinking of buying a decent home for your family? Are you lookin...
Continue Reading >Thinking of buying a decent home for your family? Are you looking for an investment opportunity for financial growth? Is your aspiration of owning an affordable dream home and the anticipation on future investment returns are shattered by the ever appreciating property values in KL? Not forgetting the pressing cost of living in Klang Valley, which is driving many residents in KL with uncertainties.
Buying a home is the biggest investment for many and buying the right house is a challenge in terms of financial affordability and commitment. The financial institutions taking a very cautious approach on borrowings, contributed by slow economy with loan margin tightened and reduction in loan approvals; these measures taken by the banks to minimize their risk exposure. Moreover, with huge mortgage and higher loan repayment, many house buyers are stressed to make the long term financial decision.
Smaller towns surrounding KL city are developing progressively with many modern housing projects to cater for the growing Malaysian population from all segments of income groups. Kuala Selangor, Banting, Nilai, Semenyih, Rawang, Sungai Buloh and Seremban are some of the fast growing residential towns, which are becoming increasingly widespread with new housing projects. The continuous improvement on transportation system of train, public buses and highways built, makes the accessibility to KL faster and more convenient. Many embrace smaller towns as their home place and work in KL to make a living for themselves. Homes that are far from the city center are said to much cheaper. But is it really true?
A model comparison case analysis conducted with KL and Seremban properties to provide a general overview on cost and saving factors. The example we are looking at is buying a property in Puchong and Seremban. The travelling road distance from Seremban to KL is about 50kms; it takes approximately an hour drive to KL city. From Puchong it takes about only about 20km to KL. The property market price in Seremban for a landed double storey link house type, is priced at an average RM450,000 in comparison to a similar property type in Puchong KL, which is fetching at an exorbitant price value of RM750,000. Taking the calculated cost factors on travel distance, petrol consumption and car maintenance, you will be able to save an estimated amount of RM176,500 with a property purchased in Seremban. Thus, the money saved will help you on your retirement days and will benefit for your children’s future education.
The below illustration shows the estimated saving at present value (PV) for a property purchased in Seremban, in comparison to Puchong location: -
| RM | RM | RM | |
| Property-Double Storey Linked House | Puchong | Seremban | Saving |
| Average Market Price | 750,000 | 350,000 | 300,000 |
| Vehicle Maintenance- Driving from Seremban to KL | Expenses | ||
| Petrol RM0.15 * 50km * 2 Ways* 260 Days *25 Years | -97,500 | ||
| Car Service (RM200/5,000 Km Mileage) * (50km* 2 Ways* 260 Days*25 Years) | -26,000 | ||
| Estimated Saving | 176,500 |
Assumption: -
Distance Seremban-Puchong KL = 50KM
Petrol Consumption 1KM = RM0.15
Working Days in a year =260 Days
Working Life = 25 Years
Vehicle Services 5000KM Mileage =RM200
Whichever property you decide to buy, the decision should be made base on a long term view. Besides the money, there are also other vital factors to consider when contemplating to purchase a house in the developing towns or neighboring cities. House buyers need to weigh the time spent on travelling, availability of public amenities, good schools and the value of the property in future.
Financial planning is crucial for house buyers to ensure there is no financial mistake made, you must have the income ability to repay your mortgage. It must be a sustainable mortgage with less worry for house buyers.
