December 6th, 2012

Hutang kad kredit bukan sebab utama muflis

KUALA LUMPUR 5 Dis. - Hutang kad kredit bukan penyebab utama individu di negara ini diisytiharkan muflis.

Timbalan Menteri Kewangan, Datuk Dr. Awang Adek Hussin (gambar) berkata, hutang kad kredit hanya lima peratus daripada kes muflis berbanding sewa beli kenderaan iaitu 25 peratus, pinjaman peribadi 13 peratus serta pembiayaan perumahan 12 peratus.

Menurut beliau, kerajaan melaksanakan pelbagai pendekatan mengawal pemilikan kad kredit termasuk menetapkan yuran pendahuluan dan caj bayaran lewat yang tinggi.

"Caj-caj ini bukan dibuat pengeluar kad kredit sebaliknya dikenakan oleh kerajaan.


"Caj-caj ini bukan dibuat pengeluar
kad kredit sebaliknya dikenakan oleh
kerajaan
." 
 Gambar hiasan

"Kerajaan mengambil langkah ini sebagai kawalan perbelanjaan dan penggunaan kad kredit dalam kalangan rakyat," katanya dalam sidang Dewan Negara hari ini.

Awang Adek mengulas cadangan Senator S. Ramakrishnan supaya kerajaan mengambil tindakan mengurangkan caj dan yuran kad kredit yang dianggap beban besar kepada pengguna.

Tambah Awang Adek, caj lewat bayar kad kredit yang dikenakan agak rendah iaitu satu peratus daripada jumlah baki belum dijelaskan tertakluk kepada jumlah minimum sebanyak RM10 dan maksimum sebanyak RM100.

Tegas beliau, caj itu tidak perlu dibayar sekiranya pengguna membayar sekurang-kurangnya jumlah minimum sebelum atau pada tarikh akhir pembayaran setiap akhir bulan.

"Pengguna mesti prihatin kad kredit bukan sumber pinjaman atau kredit mudah tetapi instrumen pembayaran," ujarnya.

Beliau berkata, ketika ini, sebanyak 3.3 juta kad kredit digunakan daripada 8.1 juta kad kredit yang diedarkan oleh institusi kewangan di seluruh negara.


Utusan Malaysia Online Parlimen 6 Disember 2012 / 22 Muharam 1434

Banyak hutang antara punca gejala rasuah

Bijak menguruskan aspek kewangan merupakan elemen penting yang harus dipupuk sejak zaman kanak-kanak lagi. Secara idealnya, anak-anak patut didedahkan dengan amalan berjimat cermat, menabung dan berbelanja mengikut keperluan. Ibu bapa harus menjadi contoh teladan yang baik bagi menyemai nilai murni ini.

Realitinya, hidup pada zaman yang serba maju, canggih dan moden, manusia dinilai bukan berasaskan kepada kesederhanaan dalam hidup, tetapi diukur dan dinilai berasaskan kepada nilai kemewahan yang ditonjolkan menerusi jenama pakaian yang dipakai, kenderaan yang dipandu, rumah besar yang didiami dan sebagainya.

Budaya kemewahan

http://siasahkini.blogspot.com/2012/02/kerajaan-umnobn-memang-suka-buat-hutang.html. - Gambar hiasan

Budaya kemewahan ini diburukkan lagi dengan strategi pemasaran yang diperkenalkan oleh dunia perniagaan yang saling bersaing untuk mengaut keuntungan hasil daripada kelemahan masyarakat yang tidak dapat mengawal diri dan nafsu terhadap kemewahan. Kad kredit ditawarkan dengan syarat yang longgar, kenderaan baru boleh dimiliki tanpa sebarang deposit, malah boleh dibayar sehingga melebihi tempoh 10 tahun, pinjaman daripada syarikat kewangan yang sah dan tidak sah (along) begitu berleluasa, sehinggakan mereka yang telah disenaraihitamkan masih boleh meminjam.

Apa yang mengejutkan, sudah ada trend baru dalam kalangan industri perbankan dan kewangan yang menawarkan pinjaman peribadi sehingga RM200,000 dan boleh dibayar sehingga tempoh 20 tahun. Ini sesuatu perkara yang amat membimbangkan sekiranya golongan remaja tidak dididik dan ditanamkan dengan ilmu pengurusan kewangan yang berkesan.

Senarai perbelanjaan

Bagi golongan pekerja yang baru melangkah ke alam pekerjaan, terlalu banyak yang harus difikirkan dalam soal mengharungi kehidupan seharian. Setiap bulan, apabila menerima gaji, perkara yang membelenggu fikiran ialah peruntukan untuk ibu bapa, bayar sewa rumah, bil elektrik, air, telefon bimbit, ansuran kereta atau motosikal, hutang kad kredit dan baki untuk meneruskan hidup sehingga menerima gaji bagi bulan berikutnya.
Berikut adalah antara contoh perkiraan jenis-jenis perbelanjaan umum yang terpaksa diuruskan oleh seorang pekerja yang memiliki diploma dan bekerja di bandar besar:

Pendapatan Bersih setelah di tolak KWSP: RM2,000
Tanggungan:RM1,550
Sewa rumah (jika berkongsi):RM300
Ansuran Kereta (Perodua) :RM600
Ibu Bapa:RM200
Bil Elektrik/Air:RM100
Telefon Bimbit :RM100
Petrol (berulang alik ke pejabat) : RM250
Baki Gaji Bersih: RM450

Segala bentuk perbelanjaan di bawah tanggungan merupakan perkara asas dalam kehidupan. Ini tidak termasuk perbelanjaan lain seperti bayaran ansuran pinjaman peribadi, kad kredit dan sebagainya. Kita dapat membayangkan jika tambahan bayaran ini dibuat, ini bermakna gaji bersih yang dibawa pulang ada kalanya kosong atau negatif.

Justeru, pengurusan kewangan peribadi ini suatu aspek yang amat penting dalam hidup seseorang individu. Jika kita gagal mengawal nafsu dan mengikut rentak arus kemodenan dan budaya kebendaan, maka ruang dan peluang rasuah akan mula terbuka luas. Mengikut Association of Certified Fraud Examiner salah satu daripada ciri ciri seseorang yang terbabit dalam rasuah ialah kerana banyak berhutang.

Tuntutan palsu

Perlu diingat bahawa kesalahan rasuah bukan kerana meminta atau menerima suapan semata-mata. Malah mengemukakan tuntutan palsu juga suatu kesalahan yang amat serius mengikut Seksyen 18 Akta Suruhanjaya Pencegahan Rasuah Malaysia 2009. Banyak pihak tidak sedar bahawa membuat tuntutan lebih masa atau perbatuan atau pembelian yang berlebihan atau yang sebenarnya tidak wujud juga kesalahan rasuah.

Bagi pekerja yang gaji berbaki kosong atau negatif, mereka bergantung hidup sepenuhnya kepada tuntutan lebih masa atau tuntutan perbatuan. Hasil kebergantungan ini membuatkan sesetengahnya secara sengaja atau tidak sengaja membuat tuntutan elaun lebih masa palsu iaitu mereka-reka atau menambah jumlah jam kerja lebih masa sedangkan mereka tidak melaksanakannya. Ada pula yang sengaja melengah-lengahkan kerja bertujuan agar ia boleh dibuat selepas waktu pejabat.


Akhbar Satar Berita Harian Online Rencana 05/12/2012

SPPBS was not implemented properly

I REFER to the letter “Don’t wait till the last moment” (The Star, Dec 5) by the Education Ministry.

It is not the teachers who had to key in the data at the last moment that is the crux of the matter but the Education Ministry’s implementation of the SPPBS in mid-year.

The Form One teachers were called in mid-June for a SPPBS briefing on this new programme.

At first we thought it would be implemented from 2013 but at the end of the briefing we were told to backdate our marks and data from the begining of 2012.

Now that’s a last minute implementation.

Why not wait for 2013 to start fresh?

The teachers had to key in the marks for January from mid-June. Of course this created heavy traffic because we had so much of catching up to do.

Teachers make up a huge number in the civil service and to say that the server can’t handle a large number of users at the same time shows a system that is done at the last minute without prior consultation with the core people, the teachers themselves.

At least the SPPBS webpage could state the number of users that were online at the moment.

The considerations mentioned in the said letter like whether wireless or cable etc are clear indications of a programme that was implemented without being well thought out.

DULCIANA Penang The STAR Online Home News Opinion Thursday December 6, 2012

Relook at moral education in schools

I REFER to “Chance to share views” (The Star, Dec 5) has the Deputy Prime Minister Tan Sri Muhyiddin Yassin meeting with Christian mission schools adminstrators over the role the mission schools in the National Education Bleuprint.

This augurs well to achieve what the Prime Minister, Datuk Seri Najib Tun Razak has said in the same issue of The Star under the headline: “Najib: Engage youth for a better tomorrow”.

Allow me to use the idiom, “Put-ting the cart before the horse” taught by one Irish brother in my former alma mater, St Xavier’s Institution.

Our schools teach Pendidikan Moral (Moral Studies) without dealing with the spiritual or religious basis for the morals learnt and taught.

If Pendidikan Moral has been successful in the aims set out by the Education Ministry then why are there so many cases of drug addiction, extortion, secret societies and in the latest case of the death of 14-year-old K. Saravanan from bullying.

The curriculum planners had introduced Pendidikan Moral to instil good moral values with the aim of producing good citizenship.

The curriculum has even made Pendidikan Moral empirical by upgra-ding it to be an examination subject.

The emphasis on scores to determine the fulfilment of the teaching and learning of Pendidikan Moral can be misleading. As an examination subject Pendidikan Moral gives the impression that good scores can be associated with good morality.

Social scientists will tend to disagree with that relationship as good morality is founded at a higher level of fidelity and perserverance based on the spiritual dimension.

It is this issue that the meeting of our Deputy Prime Minister as well as the Education Minister in his meeting with the mission school officials can fill this lacuna so that our National Education Blueprint will be wholesome for the spiritual and material development for the well-being of our youths of tomorrow.

BENILDUS TAN Kuala Lumpur The STAR Online Home News Opinion Thursday November 6, 2012

Schools issuing own rules

I REFER to the report “Tudung directive to students troubling” (The Star, Dec 5) by A. Abdullah.

I too have a daughter in secondary school where it was initially a must for all female Muslim students to wear the tudung throughout the entire school day.

A group of parents went to Education Ministry (MOE) and was told that it was up to the individual student on whether to wear the tudung or not.

Go and see your district education office and inform them of this ruling by her school and ask them to issue a letter to inform the headmistress of the right ruling.

It is nobody’s right but the parents of the child, if she/he is a minor on the issue of religion.

To wear the tudung or not must come from the person herself.

Before donning it, she must understand the right reasons as stipulated in Islam as to why a female Muslim must wear the tudung and not follow just because everybody else wears it.

Till today, as long as my daughter does not know or understand the value of wearing a tudung, I will not force it on her.

Coming back to another ridiculous directive from school heads is that currently at my son’s school, I found out that in order for you to maintain your place in class and not drop to a lower class, you must pass Agama.

Regardless of what you get in the other subjects, if you fail Agama, the school will put your child to not one class lower but four classes lower.

That was what happened to my child.

He had got As and Bs on the other subjects, but failed his Agama. He was thrown four classes down till the third last class.

Is it fair to determine a child’s education level based on just one subject?

Even the MOE, gives an average of five subjects to determine a student’s average score before deciding which class he/she should be in.

The head in my child’s school is very adamant on this ruling, and according to the headmaster, it was approved by the state education department.

The kicker was, my child’s total class standing was 92/400, that should put him in the top third class.

By the grace of Allah, my child was able to score most As in the finals and earn a place in the top class next year.

This is one example of a headmaster taking matters into his own hands and forcing all Muslim students to pass Agama or there would be consequences to pay.

I am not afraid for my child, but I do pity the other students that are not doing well in their Agama studies.

I want this ruling to stop and I hope the MOE officials would contact me and do something about this ruling if what this head is doing is wrong.

DON Ampang, Selangor The STAR Online Home News Opinion Thurday December 6, 2012

It is the parents who will decide

THE letter “Tudung directive to students troubling” (The Star, Dec 5) by A. Abdullah of Kajang reminded me of the same incident which happened to my daughter many years back.

She was in a primary school in Ampang. At the end of Year 2, during our shopping trip to buy her school uniform, she told me not to buy her the pinafores anymore, as she had been told that being a Muslim, she had to wear baju kurung and a tudung as her uniform.

Even though I am a Muslim, I was upset that the school wanted to force their students even though it is clearly stated in the school’s Peraturan Sekolah (School Guidelines) that a few options are given to students when it comes to choosing their uniform.

I would rather allow my daughter to understand the concept and let her choose when she decides to wear the tudung.

I wrote a letter to the school stating that I am not allowing my daughter to wear a tudung due to hygiene reasons, because as a young child, she would not be able to take care of herself properly, and at the same time it is clearly allowed by the Education Ministry and does not break any school rule.

Unbelievably, it happened again when she was in Year 5.

Only this time with the added reason to cover the “modesty of the female students”. Then, what about non-Muslim females?.

My daughter was brave enough to ignore this (with our backing, of course) and survived, and finished her primary. It actually didn’t stop there, and another episode continued in secondary school.

To A. Abdullah, just stick to your principles, and do what you think is best for your children. Be brave to discuss this with the school.

To the Education Minister, please look into this.

There are a lot of government schools where headmasters/headmistress think that they can impose any rule they like on students.

PRETTYSANEMOM Ampang, Selangor The STAR Online Home News Opinion Thursday December 6, 2012