Bantuan tambahan pinjaman bersasar
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Isnin, 9 November 2020 @ 7:01 AM
INDUSTRI perbankan bersetuju memberikan bantuan bayaran balik pinjaman bersasar tambahan untuk peminjam individu dan perusahaan kecil dan sederhana (PKS).
Semua penambahbaikan ini adalah tambahan kepada bantuan yang diumumkan sebelum ini untuk mereka yang kehilangan pekerjaan serta untuk individu dan PKS yang pendapatan mereka terjejas akibat pandemik.
Bank Negara Malaysia (BNM) dalam satu kenyataan berkata, peminjam juga boleh terus menghubungi bank mereka untuk bantuan bayaran balik yang sesuai mengikut keadaan kewangan khusus mereka kerana semua bank terus bersedia memberikan bantuan kepada peminjam yang memerlukan.
"Bantuan bayaran balik pinjaman tambahan akan diberikan kepada peminjam dalam kategori yang individu golongan B40 yang menerima Bantuan Sara Hidup (BSH) atau Bantuan Prihatin Rakyat (BPR) dan perusahaan mikro.
"Peminjam dalam kedua-dua kategori ini boleh memohon sama ada untuk menangguhkan ansuran bulanan selama tiga bulan atau mengurangkan ansuran bulanan sebanyak 50 peratus selama enam bulan," katanya.
Bantuan ini akan disediakan untuk kemudahan yang diluluskan sebelum 1 Oktober 2020 yang tidak tertunggak lebih daripada 90 hari pada masa peminjam memohon bantuan bayaran balik.
Kesan positif keyakinan pengguna
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Isnin, 9 November 2020 @ 7:20 AM
BANK Islam Malaysia Berhad (Bank Islam) menyambut baik penambahbaikan bantuan pembayaran balik bersasar yang diumumkan Menteri Kewangan, Tengku Datuk Seri Zafrul Tengku Abdul Aziz, ketika pembentangan Belanjawan 2021.
Langkah terbaharu itu membuka laluan kepada golongan terjejas khususnya kumpulan B40, M40 dan perusahaan mikro menangani kesulitan dialami dan memberi peluang kepada mereka untuk pulih selepas berdepan cabaran yang berpunca daripada penularan pandemik Covid-19.
Ketua Pegawai Eksekutif Bank Islam, Mohd Muazzam Mohamed berkata, pihaknya menyedari Covid-19 memberi impak berbeza kepada masyarakat dan secara konsisten menghubungi pelanggan bagi memahami keperluan mereka.
Katanya, dari sudut ekonomi, penambahbaikan kepada bantuan bayaran balik bersasar ini memberi kesan positif terhadap keyakinan perniagaan dan pengguna.
"Ia jelas memperlihatkan institusi perbankan secara proaktif menangani kepayahan yang dihadapi pelanggan mereka.
Contractor loses over RM107,000 in Macau Scam
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The scammer told the victim that there was a transaction on an Ambank credit card in his name amounting to RM11,188.35 for the purchase of goods from Lazada
09 Nov 2020 8:30AM
BATU GAJAH — A contractor lost more than RM107,000 after he was duped by a Macau Scam syndicate member into believing that he had credit card debts.
Batu Gajah district police chief ACP Ahmad Adnan Basri said that the 45-year-old victim was at home in Kampung Baharu Chenderoh here, when he received a phone call from a man who introduced himself as 'Mr Lai' purportedly a Bank Negara officer at 03-94165679.
He said that 'Mr Lai' told the victim that there was a transaction on an Ambank credit card in his name amounting to RM11,188.35 for the purchase of goods from Lazada, but the victim denied it.
“The call was then connected to the money laundering division in Bukit Aman and the victim spoke to a woman named Than Kok Hwa who told him that his credit card account had been misused and he was required to appear in the Kuala Lumpur High Court.
“The victim informed the caller that he had two accounts, namely, Ambank account and Hong Leong Bank account before he was directed to go to the automatic teller machine (ATM) of both banks,” he said.
Intensify Buy Malaysia campaign – Sothi Rachagan
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The government needs to clarify its guidelines, criteria for the campaign to be effective
9 November 2020
THE Domestic Trade and Consumer Affairs Ministry has initiated a follow-up to the Buy Malaysia campaign first launched in 1984 and relaunched during the financial crises of 1998 and 2008.
The current follow-up to encourage consumers to buy made in Malaysia products is to help local entrepreneurs during the economic crisis consequent on the ongoing Covid-19 pandemic.
Proponents of economic liberalism and free-market capitalism baulk at such protective measures.
However, as noted by Nobel laureate Paul Krugman in his opinion piece in the New York Times supporting the US Buy National Campaign during the 2009 financial crisis: “These are not normal conditions. We’re in the midst of a global slump, with governments everywhere having trouble coming up with an effective response... Don’t say that any theory which has good things to say about protectionism must be wrong: that’s theology, not economics.”
Malaysians will surely support the ministry’s efforts and treat buying Malaysian made products as an important determinant of their purchasing behaviour.
Transport group disappointed no initiative to tackle fatal accidents
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November 6, 2020 @ 10:02pm
KUALA LUMPUR: Despite the announcements on new road infrastructures under the 2021 Budget, the Malaysian Road and Transportation Safety Association (MRTSA) nevertheless is disappointed with a lack of coverage on road safety.
Its deputy president Harijit Singh said that the budget did not address solutions to road traffic accidents leading to deaths.
"Nothing in the budget to address the daily deaths of 16 to 18 people on our roads.
"The government should look into road safety enforcement and education. There should be specific grants to generate more road safety professionals," he said in a brief text message today.
Meanwhile, Malaysian Public Transport Users Association (4PAM) president Ajit Johl welcomed the transportation related initiatives to assist the groups in need.
Finance Minister Tengku Datuk Seri Zafrul Tengku Abdul Aziz in tabling the 2021 Budget announced that the My30 unlimited travel pass initiative would be continued and expanded to Kuantan and Penang with a total allocation of RM300 million.
He also announced an unlimited monthly travel pass for as low as RM5 be for children to commute to school, and for the disabled.
Read more: Transport group disappointed no initiative to tackle fatal accidents
Budget 2021: EPF withdrawal helps ease burden of target groups — Fomca
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November 07, 2020 15:09 pm +08
KUALA LUMPUR (Nov 7): The targeted Employees’ Provident Fund (EPF) Account 1 withdrawal facility has been described as the best measure to help ease the burden of those affected by Covid-19 with regard to household expenses.
Federation of Malaysian Consumers Associations (Fomca) deputy president Mohd Yusof Abdul Rahman said the facility was seen as being able to help restore the economic cycle of the affected groups.
“At the same time, the government is still continuing the i-Lestari Account 2 withdrawal scheme, which is expected to end in March next year.
“They (contributors) can now withdraw up to RM1,000 from EPF Accounts 1 and 2 to relieve them of their financial burden due to the pandemic,” he told Bernama.
Finance Minister Tengku Datuk Seri Zafrul Tengku Abdul Aziz when tabling Budget 2021 yesterday announced a targeted Employees' Provident Fund (EPF) Account 1 withdrawal facility of RM500 per month, up to a maximum of RM6,000 for 12 months.
Mohd Yusof also described Budget 2021 as being comprehensive despite the government was facing various financial constraints.
Read more: Budget 2021: EPF withdrawal helps ease burden of target groups — Fomca
Patient’s Rights – Trampled Again
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6 November 2020
FOMCA is extremely disappointed that the Poisons (Amendment) Bill 2019 that would enhance patients’ protection has been withdrawn. It appear that the government is not concerned to increase patient protection or patient welfare.
Previous governments had to some extent protected patients by regulating how much doctors could charge patients, as healthcare is a right not a commodity.
However, the previous health minister decided to eliminate the price ceilings and thus there are no price controls of how much patients can be charged. Doctors could charge as they please. Patients lost their protection. Thus the protection provided by setting a ceiling on consultation charges was removed – patient’s rights were trampled.
In addition, one of the promises made was that while doctors could charge as they pleased, with no price ceiling, they would be transparent in their patient charges, clearly indicating the breakdown of charges for consultation and for each of the medicines prescribed. Each patient would then know exactly how much he is being charged for both consultation and for each medicine that he has been given.
With transparency in medication costs, the patient could then make a choice on whether he wanted to purchase from the clinic or a pharmacy. For convenience, many may choose to buy from the clinic; while other more cost conscious consumers may choose to compare prices to get the best value for money.
Consumers’ expectations of Budget 2021 - FOMCA
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6 Nov 2020
CONSUMERS and workers are facing severe disruptions in their lives during this Covid-19 crisis. The Federation of Malaysian Consumers Associations (Fomca) hopes that Budget 2021 will address the three key issues of income, increasing costs of living, and consumer empowerment.
The most serious issue consumers face as workers is unemployment and reduction in income. According to the Social Security Organisation, 90,000 workers have lost their jobs since the crisis began.
Another study indicates that 200,000 workers in the informal sector – such as contract workers, maids and hawkers – may fall into poverty due to loss of or reduction in income. A study by a think tank indicates that more than two million may lose their jobs eventually.
Thus the government’s priority should be to facilitate a rapid economic recovery, ensure job creation to absorb both those who have lost their jobs as well as new entrants into the job market. It is estimated that at least one million well-paying jobs need to be created to do this.
For those who have lost their jobs, opportunities for training and upskilling need to be made available. For those struggling to get new jobs, the government needs to provide direct financial support for a time to ensure that they can maintain a minimum quality of life. In fact, it is high time that the government established a comprehensive social safety net to ensure that everyone is assured a minimum quality of life.
Internet still not available to many
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Government should make it a priority to provide affordable digital accessibility to remote and rural areas, say experts.
05 NOV 2020
PETALING JAYA: Just like water and electricity, internet access is now regarded as a basic necessity.
The point was made clear as far back as 2011 by the United Nations, but until today, access to the digital world is still confined only to those lucky enough to be living largely in urban areas, and have the money for costly devices.
In Malaysia, remote areas such as the interiors of Sabah and Sarawak, are still very far behind on the road to adequate internet accessibility.
This is a deficiency that has to be addressed quickly, considering that everyday life is now almost totally dependent on the internet, according to Federation of Malaysian Consumers Associations (Fomca) chief executive officer Datuk Dr Paul Selvaraj.
“Without the internet, people’s access to many needs such as education is hampered,” he said.
Selvaraj said access to the internet has never been more crucial than now given the restrictions on normal life brought about by the Covid-19 pandemic.
“Schools are closed, and classrooms are now in the digital realm. Serious efforts must be expended on ensuring that the internet is accessible to everyone and not just those in the middle to upper class,” he told theSun.
15 to 24-year-olds among those affected by depression
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November 5, 2020
PETALING JAYA: Of the 500,000 Malaysians reported to suffer from depression in the 2019 National Health and Morbidity Survey, 108,919 were young Malaysians, according to Befrienders KL.
They were between 15 and 24 years old, Befrienders publicity director Ardy Ayadali told FMT.
He also said those aged 28 and below made up 33% of the distress calls Befrienders received last year.
Referring to the current situation, Ardy said older people were experiencing emotional distress because they were working from home or had suffered loss of income.
However, he added, youths were more likely to get depression from the stress of academic and social struggles.
“But the causes of depression are complex,” he said. “In youths, these can include low self-esteem and poor interpersonal skills, which cause them to struggle with relationships with friends and family.”
He said family support played a key role in improving the younger generation’s well-being and he recommended that schools incorporate the topics of self-care, mental health issues and stress-coping skills into the syllabus.
Read more: 15 to 24-year-olds among those affected by depression
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