WELCOME to my page

Welcome! Kopisanangan! Vanakam! Salam!

Sunday, July 7, 2013

terdapat pinjaman peribadi dilakukan semata-mata bagi menanggung kos perkahwinan tinggi


KUALA LUMPUR 5 Julai - Bank Negara Malaysia (BNM) hari ini menetapkan tempoh pinjaman peribadi maksimum dihadkan selama 10 tahun manakala pinjaman pembelian rumah dihadkan selama 35 tahun.
Sebelum ini, had tempoh pinjaman peribadi ialah 25 tahun manakala pinjaman pembelian rumah ialah 45 tahun.
Gabenor Bank Negara Malaysia, Tan Sri Dr. Zeti Akhtar Aziz berkata, langkah itu bertujuan mengekang hutang isi rumah ketika ini berada pada paras 83 peratus daripada keluaran dalam negara kasar (KDNK).
Katanya, paras tersebut adalah yang tertinggi di Asia daripada kalangan negara-negara ekonomi berkembang pesat. Malah meningkat 12 peratus daripada 70 peratus pada 2009.
Selain memendekkan had tempoh pinjaman peribadi dan pembelian aset, larangan turut dikenakan bagi menawarkan produk pembiayaan peribadi yang diluluskan terlebih dahulu.
"Langkah yang berkuatkuasa serta-merta bagi melengkapkan langkah terdahulu yang dilaksanakan sejak tahun 2010 untuk mengawal perbelanjaan isi rumah.
"Isi rumah perlu memikirkan kemampuan mereka sebelum berbelanja. Sebagai contoh, jika tidak mampu membeli rumah, mereka boleh menyewa.
"Malah terdapat pinjaman peribadi dilakukan semata-mata bagi menanggung kos perkahwinan yang tinggi," katanya kepada pemberita pada sidang akhbar di sini hari ini.
Bagaimanapun, had bagi tempoh pembiayaan itu tidak melibatkan permohonan yang dibuat sebelum hari ini.
Langkah ini dilaksanakan menurut seksyen 31(1)(a) Akta Bank Negara Malaysia 2009 dan terpakai pada semua institusi kewangan yang dikawal selia oleh BNM, serta koperasi kredit yang di bawah kawal selia Suruhanjaya Koperasi Malaysia, dan Malaysia Building Society Bhd. dan AEON Credit Service (M) Bhd.
Sehingga Mac 2013, hutang isi rumah Malaysia berjumlah RM784 bilion yang mana 44.6 peratus daripadanya merupakan hutang membeli kediaman.
Diikuti hutang membeli kenderaan (17.6 peratus) dan pinjaman peribadi (16.8 peratus).
Tambah Zeti Akhtar, langkah itu tidak dilihat menjejaskan permintaan domestik yang selama ini pendorong utama pertumbuhan ekonomi negara.
"Ekonomi negara sepatutnya disokong oleh peningkatan pendapatan serta kadar pengangguran yang rendah," katanya.
Gabenor itu berkata, perbincangan mengenai had baharu pinjaman tersebut telah dibincangkan dengan perbankan dan pemberi kredit tempatan, dan mereka menyokong langkah berkenaan dalam usaha mengawal hutang isi rumah negara.
Bagi menambah baik pengurusan hutang yang bertanggungjawab oleh isi rumah, BNM akan mempergiat usahanya dalam menyediakan pendidikan kewangan kepada semua segmen masyarakat, termasuk mereka yang masih muda dan peminjam kali pertama daripada institusi kewangan.
Di samping itu, rangka kerja perlindungan pengguna akan terus diperkukuh di bawah Akta Perkhidmatan Kewangan dan Akta Perkhidmatan Kewangan Islam.


Artikel Penuh: http://www.utusan.com.my/utusan/Ekonomi/20130706/ek_01/Had-tempoh-pinjaman-peribadi#ixzz2YQAXguSB
© Utusan Melayu (M) Bhd 
Posted by Unknown at 8:30 PM

Sabah and Sarawak make up 47 out of the 133 Barisan Nasional MPs in Parliament


Sabah leaders welcome retraction of conversion bill

Posted on July 7, 2013, Sunday
KOTA KINABALU: The cabinet’s decision to withdraw the controversial Administration of the Religion of Islam (Federal Territories) Bill 2013 is reflective of the Barisan Nasional’s sensitivity and concern for public opinion.
It also showed that the government does not act in haste when passing legislations that affect the people’s personal lives, Deputy State Speaker Datuk Johnny Mositun said.
Mositun, who is also Parti Bersatu Sabah (PBS) information chief, said Deputy Prime Minister Tan Sri Muhyiddin Yassin had assured that the Bill, presented for its first reading in the Dewan Rakyat on June 26, had been withdrawn because the cabinet wanted the issue on determination of a child’s religion under controversial circumstances to be resolved in a fair manner to all parties concerned.
“The withdrawal of the Bill and Tan Sri Muhyiddin’s assurance and clarification should put to rest any accusations that the BN government is not sensitive to the people’s feelings,” he said.
The controversial Bill had drawn criticism from various quarters because of a Federal Court ruling interpreting the word ‘parent’ as singular in the context of Clause (4) Article 12 of the Federal Constitution which provides for the religion of anyone under the age of 18 to be decided by his or her parent or guardian.
“It might not matter so much in the case of a child with only a single parent or guardian, but it certainly matters when it concerns both parents of a child. If the word ‘parent’ is interpreted in the singular, it would mean that one parent can arbitrarily convert a child to Islam without the knowledge or consent of the other, whatever the motive.
“It is not right to rush a Bill through Parliament without first studying its implications in the context of our multiracial society,” Mositun added.
He also said that he concurred with the views of the Malaysian Consultative Council on Buddhism, Christianity, Hinduism, Sikhism and Taoism that the Bill should be withdrawn in the interest of national unity and social harmony.
“I am also of the view that the government should not attempt to re-introduce this Bill or any other Bill with similar clauses which would have the same effect.
“As long as frequent and regular consultations are held between the government and religious authorities, and also between Islamic and non-Islamic authorities and representatives, I am confident that such controversial issues can be resolved in everybody’s interest without rancour or distrust,” Mositun said.
Muhyiddin said that the cabinet, which met Friday, had agreed to retract the Administration of the Religion of Islam (Federal Territories) Bill 2013.
The bill was tabled for the first reading at the Dewan Rakyat on June 26 by Minister in the Prime Minister’s Department Datuk Seri Jamil Khir Baharom.
Muhyiddin said the issue on the status of a child’s name, in cases where the mother or father of the child converted to Islam, had been discussed at length by the Cabinet taking into consideration the views and concerns of various quarters including Barisan Nasional component parties.
“The cabinet had agreed that the retraction of the Bill was necessary to ensure that the issue on the determination of the child’s religion in such cases was resolved in a fair manner for everyone,” he said in a statement Friday.
Muhyiddin said the decision to retract the Bill was also made in order to give ample time to the government and everyone else to review the Bill in a holistic manner.
“The Bill will only be tabled again after getting the agreement of all quarters,” he said.
Meanwhile, Energy, Green Technology and Water Minister Datuk Seri Panglima Dr Maximus Ongkili said the government’s decision to retract the bill showed the Barisan Nasional is open to views and opinions on matters that concerned the people.
It also showed that the Cabinet took into consideration the views of the people and did not act unilaterally.
“The government is willing to break new grounds in arriving at decisions that affect many parties. The Cabinet unanimously agreed to withdraw the bill due to the contentious clause that allows one parent to convert their child to Islam. This was done in the interest of the people and not due to pressure from any party,” he said.
He added that the decision would also allow discussions and consultations on the intention or interpretation of the contentious clause to be carried out.
“I am grateful that our Prime Minister and Deputy Prime Minister listened to all views expressed by the coalition parties, including by Sabah and Sarawak MPs, on the matter as it has implications to those who are non-Muslims,’ he said.
Dr Ongkili added that the MPs from Sabah and Sarawak were able to make their voice heard louder because they had a big representation in Parliament.
“Sabah and Sarawak make up 47 out of the 133 Barisan Nasional MPs in Parliament and therefore our voice is formidable and we can influence the direction, policies and contents of laws to ensure they reflect the needs of the people.
“The people of Sabah and Sarawak should appreciate this as had our representation in Parliament been marginal we would not have this voice,” he said at a gathering with the people and opening of the ‘tagal’ (no fishing zone) at Sg Pamaitan in Kg Wokok, Marak Parak, Kota Marudu yesterday.
Dr Ongkili, who is also Kota Marudu member of parliament, said the decision to withdraw the bill was done in Barisan Nasional’s spirit of consensus.
“The welfare of the people in religious matters will continue to be protected because Barisan Nasional listens to the people, including Sabah and Sarawak,” he said, adding that Sabah and Sarawak’s representation in Parliament was acknowledged by the Prime Minister who appointed a higher number of 13 Cabinet ministers from the two states.



Read more: http://www.theborneopost.com/2013/07/07/sabah-leaders-welcome-retraction-of-conversion-bill/#ixzz2YLdfEFca
Posted by Unknown at 1:55 AM

Sabah and Sarawak make up 47 out of the 133 Barisan Nasional MPs in Parliament


Sabah leaders welcome retraction of conversion bill

Posted on July 7, 2013, Sunday
KOTA KINABALU: The cabinet’s decision to withdraw the controversial Administration of the Religion of Islam (Federal Territories) Bill 2013 is reflective of the Barisan Nasional’s sensitivity and concern for public opinion.
It also showed that the government does not act in haste when passing legislations that affect the people’s personal lives, Deputy State Speaker Datuk Johnny Mositun said.
Mositun, who is also Parti Bersatu Sabah (PBS) information chief, said Deputy Prime Minister Tan Sri Muhyiddin Yassin had assured that the Bill, presented for its first reading in the Dewan Rakyat on June 26, had been withdrawn because the cabinet wanted the issue on determination of a child’s religion under controversial circumstances to be resolved in a fair manner to all parties concerned.
“The withdrawal of the Bill and Tan Sri Muhyiddin’s assurance and clarification should put to rest any accusations that the BN government is not sensitive to the people’s feelings,” he said.
The controversial Bill had drawn criticism from various quarters because of a Federal Court ruling interpreting the word ‘parent’ as singular in the context of Clause (4) Article 12 of the Federal Constitution which provides for the religion of anyone under the age of 18 to be decided by his or her parent or guardian.
“It might not matter so much in the case of a child with only a single parent or guardian, but it certainly matters when it concerns both parents of a child. If the word ‘parent’ is interpreted in the singular, it would mean that one parent can arbitrarily convert a child to Islam without the knowledge or consent of the other, whatever the motive.
“It is not right to rush a Bill through Parliament without first studying its implications in the context of our multiracial society,” Mositun added.
He also said that he concurred with the views of the Malaysian Consultative Council on Buddhism, Christianity, Hinduism, Sikhism and Taoism that the Bill should be withdrawn in the interest of national unity and social harmony.
“I am also of the view that the government should not attempt to re-introduce this Bill or any other Bill with similar clauses which would have the same effect.
“As long as frequent and regular consultations are held between the government and religious authorities, and also between Islamic and non-Islamic authorities and representatives, I am confident that such controversial issues can be resolved in everybody’s interest without rancour or distrust,” Mositun said.
Muhyiddin said that the cabinet, which met Friday, had agreed to retract the Administration of the Religion of Islam (Federal Territories) Bill 2013.
The bill was tabled for the first reading at the Dewan Rakyat on June 26 by Minister in the Prime Minister’s Department Datuk Seri Jamil Khir Baharom.
Muhyiddin said the issue on the status of a child’s name, in cases where the mother or father of the child converted to Islam, had been discussed at length by the Cabinet taking into consideration the views and concerns of various quarters including Barisan Nasional component parties.
“The cabinet had agreed that the retraction of the Bill was necessary to ensure that the issue on the determination of the child’s religion in such cases was resolved in a fair manner for everyone,” he said in a statement Friday.
Muhyiddin said the decision to retract the Bill was also made in order to give ample time to the government and everyone else to review the Bill in a holistic manner.
“The Bill will only be tabled again after getting the agreement of all quarters,” he said.
Meanwhile, Energy, Green Technology and Water Minister Datuk Seri Panglima Dr Maximus Ongkili said the government’s decision to retract the bill showed the Barisan Nasional is open to views and opinions on matters that concerned the people.
It also showed that the Cabinet took into consideration the views of the people and did not act unilaterally.
“The government is willing to break new grounds in arriving at decisions that affect many parties. The Cabinet unanimously agreed to withdraw the bill due to the contentious clause that allows one parent to convert their child to Islam. This was done in the interest of the people and not due to pressure from any party,” he said.
He added that the decision would also allow discussions and consultations on the intention or interpretation of the contentious clause to be carried out.
“I am grateful that our Prime Minister and Deputy Prime Minister listened to all views expressed by the coalition parties, including by Sabah and Sarawak MPs, on the matter as it has implications to those who are non-Muslims,’ he said.
Dr Ongkili added that the MPs from Sabah and Sarawak were able to make their voice heard louder because they had a big representation in Parliament.
“Sabah and Sarawak make up 47 out of the 133 Barisan Nasional MPs in Parliament and therefore our voice is formidable and we can influence the direction, policies and contents of laws to ensure they reflect the needs of the people.
“The people of Sabah and Sarawak should appreciate this as had our representation in Parliament been marginal we would not have this voice,” he said at a gathering with the people and opening of the ‘tagal’ (no fishing zone) at Sg Pamaitan in Kg Wokok, Marak Parak, Kota Marudu yesterday.
Dr Ongkili, who is also Kota Marudu member of parliament, said the decision to withdraw the bill was done in Barisan Nasional’s spirit of consensus.
“The welfare of the people in religious matters will continue to be protected because Barisan Nasional listens to the people, including Sabah and Sarawak,” he said, adding that Sabah and Sarawak’s representation in Parliament was acknowledged by the Prime Minister who appointed a higher number of 13 Cabinet ministers from the two states.



Read more: http://www.theborneopost.com/2013/07/07/sabah-leaders-welcome-retraction-of-conversion-bill/#ixzz2YLdfEFca
Posted by Unknown at 1:55 AM

Wednesday, June 19, 2013

Kiulu and rural areas need more affordable homes: Bangkuai


Kiulu and rural areas need more affordable homes: Bangkuai
Published on: Thursday, June 20, 2013
 Email to a friend      Printer Friendly
Kota Kinabalu: More houses under the Hardcore Poor People Housing Project (PPRT) as well as affordable homes should be built in Kiulu and rural areas elsewhere in Sabah.
Kiulu assemblyman Datuk Joniston Bangkuai believed there were many people in his constituency and other rural areas with the purchasing power to buy their own homes.
"But they have no choice but to continue staying with their parents because the affordable home projects are not implemented in their area.
"I hope the relevant agency will look into the matter and implement the affordable home projects not just in the urban but in rural areas as well," he said in his maiden speech at the State Assembly on Wednesday.
Debating the State Government's policy speech, Bangkuai said there was also a need for the government to implement more PPRT programmes in Kiulu since many of the houses of the people were in a bad shape.
Bangkuai also proposed that the State Government provide each village house with a fire extinguisher as a precautionary measure in the event of fire outbreaks.
Over the last two months, there were three fire outbreaks in Kiulu, destroying villagers' homes, he said.
He said the cost of a fire extinguisher was about RM160, which was much cheaper than rebuilding a house destroyed by fire which could cost RM50,000 to RM100,000.
"It is clear that there is also a need for a fire and rescue station to be built in the area in facing a fire outbreak or any other untoward incident," he said.
Bangkuai also urged the State government to consider replacing or upgrading 72 suspension bridges in several villages in the Kiulu constituency as they were old and posed a danger to the villagers.
He said the area's level of security should also be improved by setting up a police beat base in the bigger villages from Tamparuli to Mantub like Kampung Malangang and Kampung Pukak, and the Kiulu police station be provided with patrol cars.
"The Kiulu dispensary should also be upgraded for the residents to enjoy prompt and better medical care."
The Kiulu Native Court, which had been operating from an old community hall, was in need of a better premises as it played a big role in the lives of the local community.
Bangkuai also suggested a training institution specifically for grassroots leaders such as the village security and development committee (JKKK) chairmen in order for them to be more efficient in the administration of the rural development.
Among the skills that could be given to the community leaders included the management of records, proper paperwork for project applications and better Information and Communication Technology (ICT) knowledge.
"The institute could also be relied on to clarify sensitive issues that may affect the harmony and unity of the people," he said.
Bangkuai also said that better infrastructures and more allocation were needed to capitalise on Kiulu's tourism potential and developed the agriculture industry.
Most of the villages are already connected with roads, but then most of the120km are only gravelled roads while another 173km of roads are red soil (earthen), meaning it would be unusable in bad weather.
"My constituency is 250-square miles in size, almost the size of Singapore, if not bigger, and we need all-weather roads, or else tourists will find it difficult to come over," he said.
Bangkuai expressed gratitude to Prime Minister Datuk Seri Najib Razak on his recent announcement that the second highway from Kota Kinabalu to Ranau would pass through Kiulu.
"This new highway will definitely expedite economic development in the constituency, besides serving as an alternative road should there be landslides in the existing Tamparuli-Ranau road."
He also urged relevant authorities in the constituency to be given grants in improving its conservation efforts to ensure the pristine Tuaran river is able to provide clean water for the people in Kiulu as well as those in Kota Kinabalu.
The Tuaran river, which flows through Kiulu, also serves as a popular water rafting area for adventure lovers.
Posted by Unknown at 8:32 PM

Tuesday, May 21, 2013

The government has spent RM21.7 million


UPDATED @ 06:03:31 PM 21-05-2013
BY BOO SU-LYN
MAY 21, 2013
KOTA KINABALU, May 21 – The government has spent RM21.7 million for the past six years in healthcare on foreigners in Sabah who did not pay for their treatments, a Health Department official told the Royal Commission of Inquiry (RCI) on illegal immigrants here today.
The number of immigrant patients, mostly comprising Filipinos and Indonesians, in government hospitals has also risen over the years to 40,826 people in 2011 that received inpatient treatment, or 19 per cent of patients in total.
“Foreign patients coming to the hospitals, whether they are outpatient or inpatient, are an increasing burden to us,” said Dr Maria Suleiman, the principal assistant director (Epidemiology) at the Sabah Health Department, at the RCI here today.
She also revealed that foreigners comprised 25 per cent of births at government hospitals in 2011, or 14,096 babies.
From 2000 to 2011, foreigners gave birth to 122,882 babies at government hospitals, averaging about 22 per cent of total births.
“Foreigners giving birth at government hospitals are worrying to us because the total number of births is 122,882,” said Maria.
About 28 per cent of Sabah’s 3.2 million-strong population are foreigners, totalling a whopping 889,000 people.
Maria also noted that Malaysians, in contrast, owed the government RM7.7 million in unpaid medical bills from 2007 to 2012.
A total of 1,009,716 foreigners received outpatient treatment at government hospitals from 2000 to 2011, while 295,053 foreigners were warded in the same period.
The number of foreigners that received outpatient treatment has been increasing steadily from 56,956 patients in 2008, or 2.6 per cent, to 81,651 patients in 2011, or 3.3 per cent.
“This is a significant number that affects the healthcare system,” said Maria.
The senior health official, who has worked in the government for 22 years, also said that there were 7,550 cases of communicable diseases among foreigners from 2010 to 2012, including measles, cholera, leprosy and hepatitis.
The number of foreigners infected with communicable diseases, however, has been slipping from 2,898 cases in 2010 to 2,143 cases in 2012.
Maria expressed concerns over the increasing number of foreign patients, saying: “The cost of treatments is huge.”
“Communicable diseases are always happening in Sabah too,” she added.
Maria, however, did not have at hand the total cost of healthcare for foreigners.
“The influx of immigrants is a national problem. The government needs to do something to return the rights of citizens – the right to medical treatment and health,” said Maria.
“The presence of foreigners has a big impact. But for humanitarian reasons, we still have to treat sick people,” she added.
The inquiry before a five-man panel led by former Chief Judge of Sabah and Sarawak Tan Sri Steve Shim Lip Kiong resumes tomorrow.
Posted by Unknown at 5:44 PM

Saturday, February 9, 2013

Any time the government wants the land, it can alienate to anyone


Govt out to make Ibans ‘scavengers’?

Joseph Tawie
 | February 4, 2013
The government's perimeter surveys of NCR land will leave Ibans landless because once surveyed under Section 6 of the Land Code, the plot will be classified as communal reserve.
KUCHING: Thousands of natives in Sarawak stand to lose their longhouses and dignity if the state government continues to carry out perimeter survey of their respective native customary rights (NCR) land.
Warning fellow natives, Sarawak Dayak Iban Association (Sadia) which has been in the forefront in fighting for NCR rights over their ancestral land said thousands of longhouses in Sarawak may disappear if the the process continues.
“What we worry is that if the government continues to carry out a parameter survey of NCR land under Section 6 of the Sarawak Land code, the government is actually extinguishing the rights of the natives over their land.
“If this happens, the Ibans in particular will become landless because the government has turned the land into communal reserve land.
“Any time the government wants the land, it can alienate to anyone,” said Sadia president Sidi Munan.
Since the perimeter survey started in 2010, hundreds of thousands of hectares of NCR land have been surveyed and converted into native communal reserve land.
There are more than 1.5 million hectares of NCR land in the state.
On top of that, thousands of hectares of NCR land are being encroached upon by plantation companies and other commercial entities.
Said Sidi: “When the Ibans become landless, they cannot carry out their farming activities anymore. They have become squatters in their own land.
“There are cases where they have been chased away from their land and their longhouses demolished.
“Where do they go from here?” he said when asked by FMT to elaborate further on his statement on urban poor made at a Sadia dinner on Saturday night.
Social problems
According to Sidi, majority of the landless Ibans had migrated to big cities and towns, and some went to other states like Johor in search of employment.
“Their longhouses are gradually abandoned. Now there is the real possibility that Iban longhouse will disappear in the future as more of them migrate to the towns.
“But I must warn you that their migration to towns will create more social problems such as prostitution, crimes, gangsterism and urban poverty.
“It is a common sight to see some of them becoming scavengers.
“This is because they lack the necessary skills,” he said adding that Sadia and Sarawak Dayak National Union (SDNU) were willing to cooperate with any organisation or individuals who ‘championed the poor and needy’.
He said that Kuching Society for Urban Poor (SKUP) and Green Ribbon Association were doing a good job to assist squatters and the poor in Kuching.
Posted by Unknown at 5:34 PM

Tuesday, February 5, 2013

continue being the eyes, ears and mouthpiece of the government.


SANDAKAN: Chief Minister Datuk Seri Musa Aman wants the Sabah Natives' Affairs Council (MHEAINS) to establish a database on native laws and customs.

This would strengthen the Native Court institution and MHEAINS should look into forging cooperation with higher learning institutions and related bodies in the matter, he said.
"The database should include information on cases handled by the native courts in the state as well as their judgments.
"It is crucial for reference by other such courts when handling similar cases in the future.
"I also request that cases be decided swiftly so that the people will be satisfied with the Native Court."
Musa said this at the opening of the biennial conference for the state's customary chiefs at a hotel here on Monday.
Since the state's Native Court institution was still relevant, Musa said the government would focus on the improvement of its system and other aspects in its administration.
This was reflected in the ground-breaking of the Native Court Training Institute in Penampang by Prime Minister Datuk Seri Najib Razak last year as well as the plan to build another six courts in the state.
Musa also called on the customary chiefs, including district chiefs and native chiefs, to continue being the eyes, ears and mouthpiece of the government.
"They are the implementers of government policies.
"They have an important role in assisting the government preserve the unity and identity of the people here."
Musa added that community leaders should do their best to ensure the government's development programmes reached their target groups.
In this respect, he said he was puzzled by claims made by opposition leaders that they pitied the people of Sabah because there was purportedly no development in the state.
"This is an insult to customary chiefs here.
"They have been working hard with elected representatives to bring development to their constituencies.
"I want to tell them (the opposition leaders) not to teach the duck how to swim.
"We have brought about so much development to the state, especially since Najib became the prime minister."
Musa said that the state government had stopped logging in more than 300ha of land, in addition to implementing programmes to replant high-value trees for future generations.
He said investors, especially big companies, were willing to come to the state and pour in millions of ringgit in investment because they had confidence in the state's political stability.
"It is up to us to explain and convince the grassroots that they must make the right choices for development, provided by the Barisan Nasional led-government, to continue.
"We need to remind the grassroots not to be hoodwinked by the empty promises made by the opposition."
About 400 customary leaders from the state took part in the conference, where nine working papers were tabled.

    Leave Your Comment




    Read more: Musa wants database on native laws - General - New Straits Times http://www.nst.com.my/nation/general/musa-wants-database-on-native-laws-1.213843#ixzz2K4qVMZ8m
    Posted by Unknown at 5:20 PM
    Subscribe to: Posts (Atom)