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- #PTPTN Visi Ungku Aziz tepat, #MansuhPTPTN tidak Islamik
- @Zahida_rafik - Bekas pemandu larikan duit syarikat..
- JOM #BNPilihanOrgMuda esok di Bandar Tun Razak
- [Gambar] Kenapa ramai nak serang budak ProM #ProPembangkang tapi sayang Pro #AspirasiMahasiswa ?
- Cepat! Zahida Rafik ada kat bank ni, nak bank in duit RM100,000
| #PTPTN Visi Ungku Aziz tepat, #MansuhPTPTN tidak Islamik Posted: 21 Apr 2012 08:11 PM PDT Ungku Aziz was right on providing loans to students By Johan Jaaffar | zulu.jj@yahoo.com | Twitter @Johan_Jaaffar SCHOLARSHIP DEBATE: Royal professor floated idea of a national fund for higher learning 39 years ago, but it was shot down The Mingguan Malaysia piece which appeared on June 15, 1975. NOT many know that the idea of a national fund for higher learning was first mooted by Royal Professor Ungku Aziz 39 years ago in a memorandum he presented to the government. This was the same thinker who suggested the setting up of what is known today as Tabung Haji. A year later, in 1974, I joined the University of Malaya as an undergraduate. It was a tough time for a student who received an annual RM1,500 scholarship from a state government. The amount was barely enough to pay for the fees, let alone to survive in Kuala Lumpur, even though the cost of living was much lower then. I had to work part-time, so too many of my friends whose parents were poor. We were disillusioned with the unfairness of the scholarship system at the time. That triggered my desire to support Ungku Aziz's proposal. Study loans were unheard of at the time. There were only a handful of public universities and an Institut Teknologi Mara (now UiTM). Everyone believed it was the students' birthright to be guaranteed a scholarship. Ungku Aziz, being a contrarian, believed otherwise. He envisioned a time when there would be many more public universities and hundreds of thousands of students. The existing system would not be practical in the long run. It would be a massive burden to the government to provide scholarships forever. He suggested a Tabung Siswa (Students' Fund) with a modest amount of RM3 million to start a revolving fund. The total given out as scholarships to students back then was about RM12 million a year. According to his calculation, the fund needed RM6 million in the second year, RM9 million the third year and RM12 million for the fourth and fifth years. By the sixth year, students will start repaying their loans and that will bring in a sum of RM1.78 million. By then, the government will have to allocate RM10.22 million. By the 12th year, there would be no need for an injection from the public purse. The model was not perfect, perhaps a bit too conservative at the time. But it could have been a workable model with some fine-tuning. Ungku Aziz predicted that scholarships would be a contentious issue in years to come. He was absolutely right. At a time when the plight of the rakyat became the core of student activism in the 1970s, I deserved a pat on the back. I was sure even student leaders like (now Datuk Seri) Anwar Ibrahim fully supported Ungku Aziz's idea. Little wonder the current National Higher Education Fund (PTPTN) saw the light of day during his time as deputy prime minister and minister of finance, as pointed out by Tun Dr Mahathir Mohamad. The act was passed in 1997. Perhaps Ungku Aziz's suggestion was not even incorporated in the current PTPTN scheme, but the fact remains, the spirit and principle had not changed. In fact, had Ungku Aziz's model been used, we would not be burdened by the issue of repayment as we are now. The laxity of enforcement against defaulters at one time was strangling PTPTN. The number of students who have taken a loan is 1.9 million as of February this year, the amount totalling RM43.6 billion. When Ungku Aziz made his suggestion in 1973, arts and humanities students would be comfortable getting a loan of RM2,400 a year or RM7,200 over three years. Today, the average loan per borrower is RM22,000 or three times that. I regret the politicisation of this scheme and the hypocrisy behind the move against it. I supported the plan wholeheartedly back in 1975 although I was not privy to it. Let's get real; it is the only workable and sustainable fund that will benefit all and lessen the burden of the government in educating the people. By Datuk Johan Jaaffar ---------------------------------------- For those who have not been repaying your student loans, please do so? For those who have not been repaying your Bank loans and Credit Cards, please do so? "The Credit Counselling and Debt Management Agency, or commonly known as Agensi Kaunseling dan Pengurusan Kredit (AKPK), is an agency set up by Bank Negara Malaysia in April 2006 to help individuals take control of their financial situation and gain peace of mind that comes from the wise use of credit." (that means borrowings!) http://www.akpk.org.my/services/debt-management/service-introduction AKPK does not provide loans or financing. Our DMP is available to all individuals who need assistance in managing their personal debts with financial service providers* regulated by Bank Negara Malaysia, provided that: You have a positive source of income after meeting your expenses You are not a bankrupt Call AKPK's toll free hotline: 1-800-88-2575 or visit any AKPK office nearest to you for an appointment. *Financial service providers comprise: All commercial banks (note: you still have to repay)   | |||||
| @Zahida_rafik - Bekas pemandu larikan duit syarikat.. Posted: 21 Apr 2012 05:30 PM PDT 
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| JOM #BNPilihanOrgMuda esok di Bandar Tun Razak Posted: 21 Apr 2012 10:54 AM PDT  Orang Muda Gegar WP!Bahang pilihanraya semakin hampir, rata-rata kita lihat ada je bendera parti baik pembangkang mahupun BN. Pada minggu lepas, Perlancara BN Pilihan Orang Muda telah di adakan di Ipoh dan ianya telah mendapat sambutan hampir 10,000 orang muda yang menyokong BN berkumpul didalam majlis perlancaran Jentera BN Orang Muda.  Esok tiba pula masanya anak muda akan berkumpul di Bandar Tun Razak untuk bersama didalam program Perlancaran BN Pilihan Orang Muda peringkat Wilayah Persekutuan. Ayuh kita semua anak muda Wilayah Persekutuan bersama kita gegar Bandar Tun Razak untuk memeriahkan majlis Perlancaran BN Pilihan Orang Muda Peringkat Wilayah Persekutuan.... JUMPA DI SANA!   | |||||
| [Gambar] Kenapa ramai nak serang budak ProM #ProPembangkang tapi sayang Pro #AspirasiMahasiswa ? Posted: 21 Apr 2012 01:30 AM PDT ASPIRASI MAHASISWA       VS PELAJAR PRO-PEMBANGKANG       Mana Satu Pilihan Anda...???   | |||||
| Cepat! Zahida Rafik ada kat bank ni, nak bank in duit RM100,000 Posted: 20 Apr 2012 09:50 PM PDT Zahida threatens legal action against those implicating her PETALING JAYA: Actress Zahida Rafik, who is accused of having an affair with a Cabinet minister, has threatened legal action against those implicating her. She said on Twitter that she had already consulted her lawyers. Seeing red: Zahida on the catwalk during a fashion show in this file picture. "I am not keeping quiet. "My lawyers are in the midst of settling the matter. So let them handle it. "Wait for the good news." she said in response to a tweet asking why she was not responding to the allegations. Online portals reported on Wednesday that Zahida's driver, Noor Azman Azemi, had made a police report claiming that the actress received RM1.5mil from the minister over a span of four months. PKR Wanita chief Zuraida Kamaruddin had highlighted the matter and distributed the police report to the media. In the police report, the driver claimed that, among others, the actress received RM58,000 last October, RM112,000 in November, RM330,000 in December and RM510,000 in January. The actress responded to other Twitter users who ridiculed and accused her of receiving the money. One user asked asked: "Are you the minister's mistress? "It is no wonder then that you live so glamorously." Zahida responded to almost every comment with statements like: "I have time to reply now while I wait at the bank for my millions" and "I feel sorry for my ex-driver, making up false stories just for money. May Allah bless him." Sent from my BlackBerry® wireless device via Vodafone-Celcom Mobile.   |
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