Category Archives: Pinjaman

Malaysia Flip Flop: What are friends for (You help me, I help you)

Saya sertakan utusan surat-menyurat di antara pemohon (NSE Resources Corporation Malaysia Sdn Bhd) dan Dato’ Seri Najib Tun Razak lanjutan dari pendedahan semalam bagaimana dana untuk tujuan R&D telah digunakan untuk membiayai projek komersil.

Dari surat ini, saya dapat mengesahkan bahawa:

1. Dato’ Seri Najib memberi arahan sendiri melalui minit supaya permohonan geran RM100 juta yang berlainan dari tujuan geran R&D dipertimbangkan oleh MOSTI

2. Projek yang diusahakan oleh NSE Resources adalah untuk membekalkan stim ke sebuah kilang yang sedang dibina di Kerteh

3. Kontrak pembekalan stim pada harga RM55 satu tan itu adalah satu kontrak swasta yang melibatkan NSE Resources dan pemilik kilang lain tanpa melibatkan sebarang pegangan modal oleh kerajaan, maka sebarang keuntungan akan dimiliki oleh NSE Resources

Perenggan (7) surat dari NSE Resources ini secara jelas menunjukkan bahawa projek komersil ini tidak mendapat dokongan dari institusi kewangan kerana syarikat itu menghadapi kesukaran mendapatkan pinjaman bank. Ini sepatutnya secara serta merta menimbulkan kebimbangan di pihak Dato’ Seri Najib dan kerajaan kerana projek komersil yang tidak melepasi saringan kewangan dari institusi kewangan (seterusnya sukar mendapatkan pinjaman) membayangkan aliran tunai dan kedudukan kewangan yang tidak baik. Secara langsung, ada risiko besar bahawa pulangan dari projek tidak mencukupi untuk membayar balik sebarang dana yang disuntik ke dalam projek ini.

Sewajarnya, Dato’ Seri Najib mengambil sikap tidak campur tangan dan berhati-hati kerana ia melibatkan dana awam sebanyak RM100 juta yang sepatutnya digunakan bagi tujuan R&D. Keputusan beliau memberi saranan kepada Kementerian Sains, Teknologi & Inovasi untuk mempertimbangkan permohonan ini, apatah lagi dalam bentuk geran, adalah satu salahguna dana rakyat yang terang dan nyata.Pada pendapat saya, projek komersil ini tidak menepati syarat-syarat untuk mendapat geran atau bantuan modal sebesar ini berdasarkan perkara berikut:

1. Teknologi dan perusahaan menghasilkan stim atau syngas dari bahan kayu atau bahan lain bukanlah teknologi terkini atau unik kepada Malaysia. Semakan menunjukkan bahawa boiler yang menggunakan kaedah ini sudah lama dipasarkan (contohnya melalui syarikat http://www.superiorgasification.com/) . Oleh itu, penghasilan stim atau syngas dari bahan kayu seperti yang diusahakan oleh NSE Resources tidaklah wajar mendapat suntikan dana sebanyak RM100 juta dalam bentuk geran seolah-olah ia teknologi terkini yang akan melonjakkan nama Malaysia, sedangkan ia hanyalah perusahaan biasa yang ada di pasaran.

2. Pembekal stim atau syngas untuk Kawasan Perindustrian Kerteh (yang mana kilang pembeli sedang dibina) sudah pun ada, jadi tidak timbul keperluan kilang stim milik NSE Resources ini menjadi daya tarikan pelaburan di situ. PETRONAS sudah mempunyai satu kilang iaitu Centralised Utilities Facilities (CUF) yang dimiliki oleh PETRONAS Gas yang menghasilkan stim pada kadar 720 tan sejam atau 6.3 juta tan setahun, iaitu 6 kali ganda yang diperlukan oleh kilang baru milik CJ Arkema itu.

Utusan surat-menyurat yang saya bekalkan hari ini secara jelas menunjukkan penglibatan Dato’ Seri Najib yang mengarahkan supaya dana awam RM100 juta diberikan kepada sebuah syarikat untuk mengusahakan projek komersil yang diragui untung ruginya oleh bank-bank.

Saya pasti geran RM100 juta ini tidak melalui proses saringan teknologi oleh panel pakar R&D yang dilantik oleh MOSTI seperti mana penyelidik-penyelidik tulen terpaksa lalui.

Dato’ Seri Najib tidak boleh terus lari dari persoalan penyelewengan sebegini – atau hanya menyertai larian anti-rasuah – beliau perlu beri penjelasan kerana ada beberapa dokumen lagi yang akan saya dedahkan.

RAFIZI RAMLIAhli Parlimen Pandan

Read more from the original source: Malaysia Flip Flop: What are friends for (You help me, I help you)

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Bankruptcy in Malaysia | Pinjaman Peribadi

For most, Bankruptcy is a daunting word which is commonly used when someone is out of means to settle his or her debts. Bankruptcy has been on the rise in Malaysia yearly. At 2002, there are 13,855 cases of bankruptcies while the number of cases rose to 21,987 at the end of 2013. Most of those being declared bankrupt comes from age group of 35 to 45 while car loans would make the top reason for someone being declared bankrupt Bankruptcy related matters is managed by Malaysia Department of Insolvency or (MDI) How does someone becomes bankrupt ? On laymen term, bankruptcy is a legal status that is imposed on someone who cannot settle his debts. Surprisingly a debtor will only need to owe a creditor a minimum sum of RM 30,001 to risk being declared bankrupt. A creditor or debtor may file a legal case for bankruptcy. Here some prerequisites to be met before someone can file for bankruptcy The debtor’s total loan exceeds RM 30,000 The debtor’s has defaulted repayment for over 6 months Debtor must be residing in the country for at least 12 months A person who owes more than RM 30,000 without ability to repay the loan can voluntary petition for bankruptcy status in order to gain protection from legal action or harassment from a creditor. A creditor (banks, financial intuitions)  may also serve a bankruptcy notice to force a debtor to repay the loan. Common factors towards bankruptcy Loan Taking up huge loans without the ability to repay is a common factor towards bankruptcies. At least 80% of bankruptcies involves loan where car loan made up the major contrition for bankruptcies in Malaysia. Credit Card Inability to repay credit card contributes to 5% of bankruptcies cases in Malaysia. Although being a low figure, the trend of credit card related bankruptcies in on the rise. Guarantor Becoming a guarantor can make you bankrupt if your borrowers fail to repay your loan. These loans are not limited to cars, house or even education loan. Advantage of bankruptcy Upon being declared bankrupt most creditor will cease any effort to recover debts from a debtor. This usually means all the constant harassment and phone calls will be stopped. Disadvantage of bankruptcy Upon being declared bankrupt, the Malaysia Department of Insolvency will assign a DGI ( Director-General Insolvency) to the person. Here are some common rights a person loses when being declared bankrupt. A debtor will automatically lose all his assets. DGI will investigate and sell all the debtor’s asset to repay the creditors. All the debtors existing bank account will be frozen. A debtor can open a new bank account subjected to approval from DGI for salary purpose A debtor will lose the right to travel overseas , subjected to approval from DGI A debtor can still maintain a credit card however with a maximum of RM 1000 limit A debtor loses all his right to start a business or become a director in any company subjected to approval from DGI Certain percentage of debtor’s salary maybe deducted by DGI to repay creditors Debtor’s credit rating will be seriously damaged even being cleared after bankruptcy. Getting out of bankruptcy There are no automatic discharge from bankruptcy in Malaysia. A person who is declared bankrupt will borne the legal status for the rest of the debtor’s life. A debtor can only discharge from bankruptcy upon repaying all the debts or renegotiate repayment with the creditors. Upon settling all the debts, a debtor will have to file for a discharge from bankruptcy from the court

Go here to read the rest: Bankruptcy in Malaysia | Pinjaman Peribadi

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Bank Negara Should Reinstate Developer Interest Bearing Scheme …

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