Minggu saham PNB biasanya ghairah dikunjungi oleh terutamanya kaum Bumiputra. Ramai dari mereka sudah faham, yakin dan berminat dengan pulangan yang ditawarkan. Tetapi, penyudahnya ramai Bumiputra tidak membelinya. Ini jelas dengan adanya lebihan unit yang diuntukkan kepada Bumiputra. Keadaan ini sudah berpanjangan melebihi 2 dekad. KENAPA?
Halangan utama adalah tahap kecairan kewangan yang rendah dikalangan Bumiputra yang rata2 makan gaji. Pendapatan sebulan sekali atau 2-minggu sekali telah terikat dengan berbagai hutang atau bayaran yang akhirnya menjadikan Bumiputra seakan-akan "kais pagi . . . ." Dalam kontek pelaburan, ramai dari kaum Bumiputra bolehlah dikatakan sebagai gulungan yang "miskin". Jadi unit2 yang ditawarkan oleh PNB akan terus tersimpan sehinggalah pihak yang lain dan lebih mampu dibenar membelinya. Ini tidak mustahil tidak berlaku kerana sebagai contoh, lebihan rumah 30% yang diuntukkan bagi Bumiputra, dengan potongan 5%, akhirnya dimiliki oleh rakyat Malaysia dari kaum lain yang lebih berkemampuan.
Ramai juga Bumiputra dahulunya membeli saham PNB melalui pinjaman bank.Tetapi bila pulangan merosot, dan pihak bank meminta bayaran tambahan setiap bulan, dan ini seterusnya mengganggu-gugat agihan ansuran sediada kepada anika jenis bayaran dan hutang (mithalnya: rumah, pengangkutan, orang gaji, tadika/taska, bas sekolah, perubatan, saraan ibu-bapa, dsbnya), mengakibatkan saham2 PNB perlu dilupuskan. Wal hasil balik asal.
Jadi ramai juga dari mereka ini kini menjadi "penasihat" kepada anak2, saudaramara, jiran dan lain2 kaki sembang, supaya tidak membeli melalui pinjaman bank kerana adalah sukar diduga untung-ruginya kerana bayaran balik melibatkan tempoh yang panjang. Berbelas atau berpuluh tahaun. Munkin pulangan merosot dan bayaran tambahan diperlukan oleh pihak bank dan pada masa itu jika kita sudah terikat dengan bayaran2 lain, saham2 itu perlu dijual. Penat sahaja. . . .
Satu2nya penyelesaian (munkin) ialah bantuan pihak berkaitan dengan bank supaya bank2memberi pinjaman sehingga 95% dan BAYARAN BALIK HANYA melalui potongan 100% dari dividen dan bonus. Tempoh masa bayaran balik adalah flexible dan bergantung kepada pulangan yang diterima. Tinggi pulangan, cepatlah hutang selesai. Walaupun cara ini munkin memakan masa yang panjang, dan pelabur hanya dapat menikmati pulangannya jauh dimasa hadapan, tetapi setidaknya Bumiputra akan lambat laun dapat menambah equiti mereka, dan ini seterusnya mengurangkan jurang pendapatan antara rakyat Malaysia. Tidaklah Bumiputra ketinggalan terlalu jauh dimasa hadapan.
Munkin juga ada saluran lain yang lebih baik untuk mengatasi masaalah lebihan saham PNB yang tidak dibeli oleh Biumiputra. Sama2lah difikirkan dan dilaksanakan demi mengurangkan jurang pendapatan diantra rakyat Malaysia.
Thursday, April 30, 2009
Delivery System
With every change of leadership, be it at federal, state, ministry or local level, one of the most talk about item is the 'delivery system' (sistem penyampaian dan bukannya sistem penghantaran, kerana hantar tak semestinya sampai). Tagging along the 'delivery system' is the 'red tape' problems. This often goes hand-in-hand.
The aim of the leadership is to make it as easy as possible for the people at large to benefit from whatever policy the government is implementing - and the government spent a huge sum and take pain to ensure 'it is delivered' to the masses with ease. The government, say eg. at federal level will study the proposed project and to ensure that as many people as possible benefited from the project or programmes, the govt will also ask the Implementors to do away with 'red tapes'. Taking away red tapes is easier said then done. The main reason, I think, is because the Implementors are trained and instill in them, the concept of accountability and the avoidance of hanky panky. So, the Implementors will somehow insist on bars and blockages to ensure accuntability, which in the end is their responsibilities. This is where the conflict between the two arises. And the people at large are the losers.
Just take these 2 simple cases:
1. Abolishment Of Roadtax For Motorbikes.
Long ago the then government announced the abilishment of roadtax for motorbikes. The kampungs and inhibitants of the interior esp are delighted. Although the amount of roadtax is small, but the sides benefits are many. No need to go to RTD Officers which are km away, no need to que at RTD, no need to pay runner if you are unable to go, can settle by just buying the needed insurance cover at some of the sundryshop nearby where there are insurance agent.The free hassle-day will give time to go rubber tapping etc which will give income to cover the need of one or two days. But, no sooner the abolishment was announced, the RTD came up with a RM2 disc which need to be getting at their offices. So, the end result is just a minor roadtax reduction.
With modern and costly IT equipment, computer connection to RTD offices and the availability of "portable readers", etc, can't someone think of ways and means to do away with the Rm 2 disc, and give the people more benefits then just a reduction in roadtax amount?
2. Farmacies At Government Hospitals.
Have you ever watch the crowd there? It started as soon as the doors are open! Wondering whether these are the patients just been examined this very morning by the doctors? The answer is NO! Most are patients examined by the doctors one or two months ago. Most of these patients are with 'choronic' dieseases such as HPT, DT or the likes, who needed medicines on a daily basis.
Normally the doctors will examine these patients on a 3-monthly basis, and prescribe medicine for next 3 months usage. BUT, for reasons best known to them, the farmacies will supply medicines only on a monthly basis. This means the patients will have to come back for medicines in exactly a month in future. This also means, if the doctors examine 800 patients on 1st of the month, the next 1st of the month there will be 2,400 patients lining up for medicines ( 800 patients for the day, 800 1-month old patients, and 800 2-month old patients).
Beside, most of these patients are people who dont have the luxury of getting medicines from commercial units. So, they are 'poor' in this contact. As such, why make them pay for repeated monthly travel costs to GH farmacies and inconvinience them with travel problems as most are old people hard on hearing, weak knees, blurred visions and at minimum strength?
Somehow, somewhere, someone should look into this problems and find a better solution to help these old souls. (And, by the way we could also reduce the number of unfill pharmacists job).
The aim of the leadership is to make it as easy as possible for the people at large to benefit from whatever policy the government is implementing - and the government spent a huge sum and take pain to ensure 'it is delivered' to the masses with ease. The government, say eg. at federal level will study the proposed project and to ensure that as many people as possible benefited from the project or programmes, the govt will also ask the Implementors to do away with 'red tapes'. Taking away red tapes is easier said then done. The main reason, I think, is because the Implementors are trained and instill in them, the concept of accountability and the avoidance of hanky panky. So, the Implementors will somehow insist on bars and blockages to ensure accuntability, which in the end is their responsibilities. This is where the conflict between the two arises. And the people at large are the losers.
Just take these 2 simple cases:
1. Abolishment Of Roadtax For Motorbikes.
Long ago the then government announced the abilishment of roadtax for motorbikes. The kampungs and inhibitants of the interior esp are delighted. Although the amount of roadtax is small, but the sides benefits are many. No need to go to RTD Officers which are km away, no need to que at RTD, no need to pay runner if you are unable to go, can settle by just buying the needed insurance cover at some of the sundryshop nearby where there are insurance agent.The free hassle-day will give time to go rubber tapping etc which will give income to cover the need of one or two days. But, no sooner the abolishment was announced, the RTD came up with a RM2 disc which need to be getting at their offices. So, the end result is just a minor roadtax reduction.
With modern and costly IT equipment, computer connection to RTD offices and the availability of "portable readers", etc, can't someone think of ways and means to do away with the Rm 2 disc, and give the people more benefits then just a reduction in roadtax amount?
2. Farmacies At Government Hospitals.
Have you ever watch the crowd there? It started as soon as the doors are open! Wondering whether these are the patients just been examined this very morning by the doctors? The answer is NO! Most are patients examined by the doctors one or two months ago. Most of these patients are with 'choronic' dieseases such as HPT, DT or the likes, who needed medicines on a daily basis.
Normally the doctors will examine these patients on a 3-monthly basis, and prescribe medicine for next 3 months usage. BUT, for reasons best known to them, the farmacies will supply medicines only on a monthly basis. This means the patients will have to come back for medicines in exactly a month in future. This also means, if the doctors examine 800 patients on 1st of the month, the next 1st of the month there will be 2,400 patients lining up for medicines ( 800 patients for the day, 800 1-month old patients, and 800 2-month old patients).
Beside, most of these patients are people who dont have the luxury of getting medicines from commercial units. So, they are 'poor' in this contact. As such, why make them pay for repeated monthly travel costs to GH farmacies and inconvinience them with travel problems as most are old people hard on hearing, weak knees, blurred visions and at minimum strength?
Somehow, somewhere, someone should look into this problems and find a better solution to help these old souls. (And, by the way we could also reduce the number of unfill pharmacists job).
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