Discussion Platform for FIN263G3 by Ninalyn Fridrict

Please introduce yourself using a movie/ a cartoon/ an anime character that resemble your personality/character. Thank you.

ninalynfridrict — 2021-10-14 04:59:18 UTC

Hello everyone. Belle has the heart of learning, she loves reading and although she is quite passive, she is never afraid for an adventure....Because she believes that people should never stop learning, never stop improving, never giving up and always keep moving forward..And these personalities of Belle resemble myself, I am Madam Ninalyn...Nice to meet you all!

2021-10-14 08:16:55 UTC

Hello everyone. so, here is one of character from movie "Alvin and The Chipmunks". His name is Alvin Seville the leaders and the oldest among these three chipmunks. Alvin is very active person, trouble makers but usually responsible for all of the trouble. He is also naughty.... like to flirting with girls. and these personalities active and naughty resemble myself. But I am Good Boy... I guess . My name is Fellnado Ellneus Jarnis, From Kudat, Sabah... Nice to meet you all!!!!

HUSIEN BIN MOHD OSMAN SUNARIO@SUNARIO

2021-10-14 08:17:34 UTC

In personality, sasuke is described as a smart, ambitious, stubborn, likes challenging, and arrogant ninja. He grows in a situation that required him to be the best ninja in order to reach his goal. And these personalities of SASUKE resemble myself , I am HUSIEN BIN MOHD OSMAN SUNARIO@SUNARIO.. nice to meet you all , CHIDORI ⚡️⚡️ !!

HUSIEN BIN MOHD OSMAN SUNARIO@SUNARIO

2021-10-14 08:18:05 UTC

2020473088 — 2021-10-14 08:24:15 UTC

Hi everyone! Here is a picture of 'Alone' just kidding just read the word from back so it can be 'Enola'. Yeah Enola Holmes is the best movie character that I've been watching during my last semester break. She is an active person since she kid. She kind-hearted person. She love to do the adventures activities, and the most important thing is she's quite independent person... and yeah the characteristic of Enola like myself, let me introduce myself. I am Qurratu'aini ><, I'm from Pahang and nice to know you madam also my fellow friends <3

2021-10-14 08:24:50 UTC

Hello Madam Ninalyn and everyone ! I am Camelia Joseph. I would love to describe myself as Moana because she is a very headstrong, good-hearted, inspiring, curious, intelligent, brave, spirited, manipulative, stubborn, impatient, charismatic as well as sea-loving as i love sea the most especially during the sunset moments 🌇🌞 Moana's characteristics @ personalities resemble mysel 🌹

ambausakius1999 — 2021-10-14 08:25:00 UTC

Hello everyone, Naruto began his journey as the incompetent outcast of his ninja school, only for the fans to cheer and cry as they watched him work and scrape to the top, training with the perviest of sages, fighting off the most powerful ninjas, and still finding time to look after his friends. But his never stop learning and never giving up and these personalities of Naruto resemble myself, I'm Sabdy Sakius. Nice to meet you all🤗

2021-10-14 08:25:13 UTC

Hello everyone.Jasmine is a incredibly indepent,she is also strong and she is not afraid to speak her mind.she wants to live a life where she is free to make her own choices..Jasmine is extremely compassionate and caring towards her family and her friends. The personalities of Jasmine resemble myself,I am Nurnazwa Atiyah binti sani from Kota Kinabalu,Sabah.Nice to meet you all !

2021-10-14 08:31:31 UTC

Hello everyone. Vanellope is extremely energetic, talkative and childish. Vanellope refuses to stand down without a fight and shows efficiency in reaching her goals for the most part. Vanellope is also an enthusiastic dreamer. In truth, she is sensitive and vulnerable beneath her rough exterior, wanting nothing more than to be accepted by the inhabitants of her game despite said inhabitants constantly mistreating her, both physically and mentally. However, she is very forgiving in this regard and is evidently reluctant to hold grudges. I am Maelisa Asmin from Kota Kinabalu, Sabah.

2021-10-14 08:34:31 UTC

Assalammualaikum and good evening everyone. I would like to describe myself as Dorry in Finding Nemo. What make she is me and me is she, is that she easily forgot things. She also have a good heart, always like to help people, friendly and always have a positive thinking no matter what happen. But whats describe me the most is, easliy to forget things la.. hehe.. By the way, my name is NUR AJIERA IZZATI BINTI KAHAR from Kota Kinabalu.. Peace no war ✌🏻

syarifatulfatihah172 — 2021-10-14 08:37:10 UTC

Hi madam and hi everyone .. I choose Elsa because she is quite introvert and willing to protect her family and everyone around her. She might looks cold and scary outside but inside she has a warm heart and she is seen as shy.. her personalities resemble myself as I am also introverted and a shy person.. Let me introduce myself my name is Syarifatul Fatihah and I'm from Ranau, Sabah.. Nice to meet you.. 😊

2021-10-14 08:41:57 UTC

Hello madam and friends, if I have to choose a cartoon character that resemble me, it will be Merida. Merida is brave, tough, adventurous and a girl with softness of heart. I’m Vergenia Wong Fung Ling from Keningau, Sabah. Nice to meet you guys 🥰

2021-10-14 08:42:11 UTC

Hello everyone. Luffy is portrayed as a carefree, happy-go-lucky character with great ambition and a huge appetite, often thinking with his stomach and comically gorging himself. Optimistic and generally good-hearted, he is not as dimwitted as many believe him to be, and he often demonstrates more understanding than the other characters expect. Luffy's personality resemble me and my name is Ahmad Nasih Ulwan bin Khairool Fariez. I'm from Rawang, Selangor. Nice to know all of you😁😁😁

2021-10-14 08:49:14 UTC

Hello everyone 🤗 I choose smurfette as my cartoon character from smurf movie 💙 It is because smurfette loves herself and (most) everyone around her. She is driven by the passion she has for her interests, the love she has for those around her. She also hates when people try to step in when she's trying to defend herself. Smurfette loves her friends, animals, and nature. She hates messes and functions best in neat, well-kept environments (such as her own house) and doesnt have time for people who put other people down. Lastly, she is willingly helping out where she can in her life. Last but not least my name is NURUL HANIS SOFEA BINTI MOHD HAFIZ and you can call me Hanis. Yah I think that’s all from me, Thank you 🥰 Nice to meet you 😙

2021-10-14 08:50:08 UTC

Asuna Yuuki is a kind and helpful young woman. She cant abandon another person in trouble even at the risk of her own life. She is a person who is focused on facing a problem and is willing to solve it well. Asuna is also somewhat proud and is not afraid to get physical with those that challenge her authority or skills. She isn't afraid to act out on her own and will take matters in her own hands from time to time when its needed. These personalities of Asuuna resemble myself. Hello! my name is Salizah. Nice to meet u all✨

QHYIZATUL — 2021-10-14 08:53:43 UTC

Hello Madam Ninalyn and my fellow friends. Here's one of my favorite princess from movie " The Brave". Merida is very bold, brave, stubborn, independence and headstrong girls. She don't like to rely on her prince to come sweep her away. Because her desires is to make a name of herself and be someone, to be a girl of independence. I think these personalities resemble myself. My name is Nurul Qhyizatul Nafizah Bt Suhaimi from Sandakan Sabah and it is really nice to know you all, can't wait to meet all of you in person! :)

2021-10-14 08:59:41 UTC

Hello madam and everyone! My name is Nurul Farhanah. Here's the character that I would like to introduce as it resemble to myself. Her name is Erika from the Barbie and the Pauper movie. She is a person who always want to help everybody around her with all the heart. Besides, she always trying to do what she wants by herself without expecting others . I think that's all from me and nice to meet you✨✨

2021-10-14 08:59:41 UTC

Moana can be briefly described as a wonderful person, she has a strong-willed and curious desire to know more about the outside world. It makes her approach new experiences and tasks with the utmost seriousness and will stand her ground to fight for what she values even when all seems lost. These personalities enable her to think smartly and refuse to give up and keep on going with her strength and bravery even though she has a lack of experiences. Dedication and determination is a principle she holds resemble of myself, I am Siti Nur Zulaikha and I’m from Labuan,Pearl of Borneo. Nice to meet you all!☺️

-No one can define who you are, other than yourself❤️‍🔥
#staysafe

2021-10-14 09:00:47 UTC

Hello there, this is Hwajeong. She has a golden heart and is always concerned about others, particularly her family. Despite the fact that she had always been hurt, she never held grudges. She has also had a difficult life, which has made her stronger. Not to mention, she has a knack for cooking. These are traits that I see in her that I recognise in myself. I am Siti Nafisah and it is a pleasure to meet you all :)

2021-10-14 09:08:35 UTC

MALEFICENT . Many people believe that Maleficent emphasises the evil but actually maleficent features of a woman with a kind heart who loves her family, particularly her daughter, Princess Aurora. She is a brilliant strategist, always beware of her enemy and difficult to trust people. She does not back down when she is abused by others instead, she fights to protect herself and to maintain justice. Maleficent personality resemble me and my name is AB FARAHANIE , you can call me abby . Im from sandakan , sabah .

2021-10-14 09:09:49 UTC

Hello Madam and friends, if I had to choose a cartoon character that resembled me, it would be Eren Yeager. Eren is very determined. Eren is described as hard -headed, strong -willed, passionate, and impulsive. I am Mohamad Alif from Shah Alam, Selangor. Nice to meet you, madam!

2020843334 — 2021-10-14 09:12:48 UTC

Hi madam and fellow friends, my favourite movie character is Mulan. She is a different princess from any other Disney princesses. Mulan is a character that have courageous, and more independent. I think i have the same personality with her such as her clumsiness. Anyway, my name is Nurul Neylam Raudhah, neylam for short. 🤍

2020846454 — 2021-10-14 09:16:56 UTC

Elle Evans is a quirky and emotionally driven teen but she is very concerned with Lee which is her best friend. She such a independent and wonderful women who always sacrifice anything for the people she loves especially her family and her best friend. Her friendship with Lee is just hardcore solid, so she would never dare to break one of the rules they established to maintain their relationship. Elle must set aside her own happiness for others. Her personalities resemble to myself, I am Nurul Aisyah and you all can call me Aisyah🤍

2020479148 — 2021-10-14 09:22:31 UTC

Hello everyone. He is my favourite and comfort character in anime which is Sugawara senpai, I mean Sugawara Koushi. His personality describes me. It's because he has a gentle personality, very supportive character and not giving up on his dreams. He is also encourages people which is his teammates to never give up, no matter how hard the situation might be. So his personalities resemble myself, I kin him and i love him so much. I almost forgot to introduce myself, my name is Nurul Nazira Binti Rusli, you guys can call me Nazira or Naz or everything you want and I am from Tawau, Sabah. Nice to meet you all, takecare and stay safe!! <3❤❤

afiqahrdhh_ — 2021-10-14 09:22:36 UTC

Nala is sassy, defensive of her own accomplishments, and giving her best friend cheek when prompted. Though Simba sometimes tries to claim her ideas as his own, Nala will not stand for being overlooked and is clever and strong enough to do something about it. Despite this, Nala is an encouraging friend, kind to Simba even when he makes an error, no matter what he says or does, she maintains the friendship, grieving heavily when he supposedly dies. Nala personalities resembles me. Hello everyone, my name is Nurul Afiqah Ridhuah Binti Mohamad. I'm from Selangor. Nice to meet you !

2021-10-14 09:51:06 UTC

Hello! My name is Sahrina binti Sabir and the character I picked is Raya from the disney movie, Raya and the last dragon. Raya is a headstrong woman that is wisened for someone her age. Not only that, she retains a sense of humor and a bit playful. And most of the personality resemble me and I am Sahrina. Nice to know you madam, can't wait for Raya to meet Belle!

2020458664 — 2021-10-15 18:21:22 UTC

Anne, a red-haired Canadian orphan, is an imaginative, loyal, stubborn, high-spirited girl who speaks her mind and the most idealistic kindred spirit you'll ever meet. These personalities resemble myself, I'm one who will always speak my mind when there is something really needs to be said even though I'm not a talkative person. She's intelligent and always looks for the best in each person she comes across (unless they've personally insulted her). Anne is a dreamer who makes the best of every situation even when there doesn't seem to be much hope and that is totally me! Even if I have pile of work and assignments that doesn't seem like it will be done anytime soon because I keep on procrastinating but I will make sure everything goes smoothly no matter what happens. Hi! I am Nur Yasmin Alia Bt Mohd Mazlan from Selangor. Nice to know all of you!!

Please fill in your group members names here. Tq

ninalynfridrict — 2021-10-26 05:32:24 UTC

https://docs.google.com/spreadsheets/d/1B4MM5BRCvijBLZhCrKEQjiUvUn5rjFwapCHOfs1KHiU/edit?usp=sharing

Week 3 Tutorial 28/10/2021 (4 - 5pm)

ninalynfridrict — 2021-10-26 07:56:00 UTC

Create a poster of ONE Commercial Bank or Islamic Bank that we have in Malaysia (for example CIMB, Bank Islam, Maybank, etc). The poster must include the bank's functions (give examples of products or services that they offer). How the poster is made will depend on your creativity but make sure that the information is clear and interesting - make it simple. Post your poster here. Remember to write down your name ya. Thank you.

ambausakius1999 — 2021-10-28 09:13:12 UTC

Sabdy Sakius
(2020876062)

2021-10-28 09:19:30 UTC

NURUL FARHANAH BINTI KHAIRUL SHOBAH

2021-10-28 09:21:14 UTC

2020835266 — 2021-10-28 09:24:09 UTC

maelisasmin — 2021-10-28 09:31:06 UTC

MAELISA BINTI ASMIN (2020881316)

2021-10-28 09:35:01 UTC

2020479148 — 2021-10-28 09:43:32 UTC

NURUL NAZIRA BINTI RUSLI (2020479148)

2020846454 — 2021-10-28 10:03:52 UTC

afiqahrdhh_ — 2021-10-28 10:05:17 UTC

NURUL AFIQAH RIDHUAH BINTI MOHAMAD (2020833026)

2021-10-28 10:08:29 UTC

2021-10-28 10:27:18 UTC

AHMAD NASIH ULWAN BIN KHAIROOL FARIEZ (2020825078)

FELLNADO ELLNEUS JARNIS (2020460498)

2021-10-28 11:12:02 UTC

2021-10-28 13:35:14 UTC

2020452226 — 2021-10-28 13:36:48 UTC

CAMELIA JOSEPH (2020452226)

2021-10-28 13:50:28 UTC

VERGENIA WONG FUNG LING (2020863564)

2021-10-28 14:00:11 UTC

NURUL QHYIZATUL NAFIZAH BINTI SUHAIMI (2020452364)

2021-10-28 14:25:37 UTC

MOHAMAD ALIF BIN MOHAMAD YUSRI (2020452338)

QHYIZATUL — 2021-10-28 14:25:54 UTC

NURUL QHYIZATUL NAFIZAH BINTI SUHAIMI (2020452364)

2021-10-28 15:09:20 UTC

QURRATU'AINI BT ZULFA (2020473088)

2021-10-28 17:29:08 UTC

NUR YASMIN ALIA BINTI MOHD MAZLAN (2020458664)

2021-10-30 09:55:58 UTC

Siti Nur Zulaikha Binti Mohd Zaki (20202494662)

2021-10-30 12:16:13 UTC

Do this anytime you are free.

ninalynfridrict — 2021-11-09 05:55:37 UTC

Write your opinion about the issue emphasized by the author. Why do you think the FSA and IFSA are important?

Week 5 Tutorial 11/11/2021 (4-5pm)

ninalynfridrict — 2021-11-09 05:56:26 UTC

Read the news via the link given above. Share any one lesson that you can learn from the article which is relevant with chapter 4. Thank you.

Sabdy Sakius (2020876062)

2021-11-11 08:33:56 UTC

One lesson I learned from this article was that the government should impose more scrutiny in DFI loan approval practices in order to combat abuse of power in DFIs. Thus, the problems associated with Approval of projects with the cooperation of insiders, deliberately creating illegal projects with the intention of applying for financial loans can be curbed immediately.

maelisasmin — 2021-11-11 08:57:27 UTC

One lesson that I learned from the article is the government must look into the commerciality and credit worthiness of loan applicants, as well as the projects involved as a lender because investment banks are not allowed to operate current accounts and saving accounts.

Siti Nur Zulaikha Binti Mohd Zaki (2020494662)

2021-11-11 13:03:20 UTC

(DFIs) are regulated and supervised under the Development Financial Institutions Act 2002 (DFIA), to ensure financial and operational soundness, similar to the regulations imposed on commercial banks. Besides, DFIs are private organizations where use of discrepancies in loan approval is not subject to scrutiny. Internal security practices are available and enforced. Thus, personal accountability is currently the mechanism employed to combat power abuses in DFIs, which is a reactive rather than proactive approach.

Siti Nur Zulaikha Binti Mohd Zaki (2020494662)

2021-11-11 13:31:01 UTC

In my opinion, the Financial Services Act 2013 (FSA) and the Islamic Financial Services Act 2013 (IFSA) are important because they contain provisions to enable Bank Negara Malaysia (BNM) to observe its duties more efficiently.

The FSA empowers the financial regulator by creating the concept of Financial Holding Company (FHC) that can only carry on the business of holding investments (directly or indirectly) in corporations which are primarily engaged in financial services, unless otherwise approved by BNM. Meanwhile, IFSA aims to enhance financial stability and Shariah compliance, as well as to strengthen Islamic financial institution regulation.

Nurul Neylam Raudhah (2020843334)

2021-11-11 16:21:25 UTC

In my opinion, both the Financial Services Act 2013 (FSA) and the Islamic Financial Service Act are important because both the Act provide more precise regulation and supervision of all the financial institutions. As for FSA, it provides more detail about regulation and empowers all the financial regulators of BNM to ensure the safety of financial institutions by introducing Financial Holding Company. Other than that, the FSA also grants BNM the authority to take various actions to ensure the financial service providers are fair, which gives the consumer more protection and ensures all the financial providers conduct the business properly . Meanwhile, for IFSA, it centred on financial stability and promoted compliance with the Shariah principle in every operation, business, affairs and activities.

Nurul Neylam

2021-11-11 16:48:58 UTC

DFIs provide various specialized financial products and services such as long-term loans to support socioeconomic growth and expansion. Other than focusing on developing sectors in our country, they should hold more responsibility to investigate the loan applicants and the project information to prevent non-compliance from happening.

AB FARAHANIE

2021-11-11 18:14:35 UTC

One lesson that I learn from the article is DFIs assist socioeconomic growth and expansion by offering a variety of specialised financial goods and services, such as long-term loans. Apart from focusing on our country's developing industries and because investment banks are not permitted to operate current and savings accounts, they should take greater responsibility for investigating loan applicants and project details to prevent non-compliance.

SAHRINA BINTI SABIR

2021-11-12 10:13:49 UTC

Based on the article, since DFIs are specialised institutions established by the government to provide a range of specialised financial products and services to suit the specific needs of the targeted strategic sectors, I learned that it is important to rigorous the lending standards as the current one has affect the institution in a bad way as many bad and illegal business purposes has been done.

MOHAMAD ALIF

2021-11-12 17:57:02 UTC

According to the article, one lesson I can learn is that the government should increase supervision of DFI loan approval methods in order to counteract DFI power abuse. This is due to the fact that DFIs are private entities, and the use of disparities in loan applications is not scrutinized. They should also be in charge of conducting more in-depth investigations on loan applicants and project details.

2020846454 — 2021-11-13 05:26:21 UTC

In my opinion, the Financial Services Act 2013 (FSA) and the Islamic Financial Services Act 2013 (IFSA) are important because both of the services incorporates strengthened provisions to regulate payment system operators and payment instrument. The FSA empowers financial regulator, namely Bank Negara Malaysia to exercise oversight over financial group. Meanwhile, for IFSA, it aims to promote compliance with Shariah principles based upon various types of Shariah contracts.

2020846454 — 2021-11-13 05:45:02 UTC

One lesson that I learned from the article is the objectives of Development Financial Institutions (DFIs) is to promote investment and to complement the banking institution's role. Besides, DFIs must ensure compliance and apply a rigorous process similar to commercial banks even though socioeconomic aspects are attached the loans.

NURUL NAZIRA BINTI RUSLI (2020479148)

2020479148 — 2021-11-13 08:31:27 UTC

In my opinion, the Financial Services Act 2013 (FSA) and Islamic Financial Services Act 2013 (IFSA) are important because both of these acts provide regulation and supervision of financial institutions. The FSA empowers the financial regulator, namely the Central Bank of Malaysia, also commonly known as Bank Negara Malaysia (BNM), to exercise oversight over financial groups by introducing the concept of a Financial Holding Company (FHC). For the IFSA, it entrenches the role of BNM as Shariah regulator and intends to strengthen the foundations for end-to-end Shariah governance and compliance.

NURUL NAZIRA

2020479148 — 2021-11-13 08:56:00 UTC

A lesson that I learned from this article is that DFIs are regulated and supervised under the Development Financial Institutions Act 2002 (DFIA) to ensure financial and operational soundness, similar to the regulations imposed on commercial banks. Besides, I also learned that DFIs must assess loan applications as rigorously as commercial banks do to reduce non-compliance despite carrying specific mandates to develop and promote strategic sectors of the country.

Qurratu'aini binti Zulfa (2020473088)

2021-11-14 02:37:35 UTC

In my opinion, that the Financial Service Art 2013 (FSA) and Islamic Financial Service Art 2013 (IFSA) are important because both of the service are provide consequential or incidental matters. In FSA. the Prudential Requirements in Section 66 Publication of financial statements it is for the Bank require that the financial statement shall audited before any publication under subsection.
IFSA major provision also emphasize Shariah Requirements, in Section 28 and Section 30 were mentioned about this, that are the Duty of institution to ensure compliance with Shariah and Establishment of Shariah Committee.

maelisasmin — 2021-11-14 04:48:16 UTC

In my opinion, the FSA and IFSA are important because both Acts are the most significant pieces of legislation to impact the Malaysian financial services industry when they come into force. Both Acts were introduced to provide for the regulation and supervision of financial institutions, payment systems and other relevant entities, as well as oversight of the money market and the foreign exchange market. For FSA, defined as a company which holds an aggregate of more than 50 percent interest in shares in a licensed entity, or holds an aggregate of less than 50 percent of shares but has control in a licensed entity. Both Acts aims for to promote compliance, but IFSA imposes stringent requirements on Shariah governance mechanisms and caters to the specificities of Islamic financial products and operations which are based upon various types of Shariah contracts.

syarifatulfatihah172 — 2021-11-14 06:54:07 UTC

One lesson that I can learn from the article is DFIs are also reminded to look into the commerciality and credit worthiness of loan applicants, as well as the projects involved as a lender. DFIs also must ensure compliance and apply a rigorous process similar to commercial banks even though socioeconomic aspects are attached to the loans.

Mohamad Alif bin Mohamad Yusri (2020452338)

2021-11-14 07:48:18 UTC

The Art of Financial Services Act 2013 (FSA) and the Islamic Financial Services Act 2013 (IFSA), in my opinion, are crucial since they both provide services for non-essential or incidental purposes. The Financial Services Authority (FSA) enables the Malaysian financial regulator, Bank Negara Malaysia (BNM). It is to introduce a Financial Holding Company to safeguard the security of financial institutions. Furthermore, the IFSA intends to improve financial stability and Shariah compliance, as well as boost Islamic financial institution regulation.

Nurul Afiqah Ridhuah Mohamad (2020833026)

afiqahrdhh_ — 2021-11-14 08:44:18 UTC

In my opinion, The Financial Services 2013(FSA) and the Islamic Financial Services Act 2013(IFSA) are important because both Acts were intended to regulate and supervise financial institutions, payment systems, and other relevant entities, as well as offer control of the money and foreign exchange markets. The FSA authorizes the financial regulator which is Bank Negara Malaysia (BNM), to exercise oversight over financial groups by creating the concept of a Financial Holding Company (FHC) where can only carry on the business of holding investments (directly or indirectly) in corporations which are primarily engaged in financial services, unless otherwise approved by BNM. Meanwhile for the IFSA it aims to promote compliance with Shariah principles by entrenches BNM’s role as Shariah regulator, imposes stringent requirements on Shariah governance mechanisms and caters to the specificities of Islamic financial products and operations based upon various types of Shariah contracts.

FELLNADO ELLNEUS JARNIS(2020460498)

2021-11-14 09:27:19 UTC

In my opinion FSA and IFSA is important because both provide regulation and supervision of financial institutions, payment systems and other relevant entities, as well as oversight of the money market and the foreign exchange market. Their principal regulatory objective is to promote financial stability by fostering the safety and soundness of financial institutions, the integrity of the money market and foreign exchange market, business conduct of financial institutions, and consumer protection. The FSA and IFSA contain provisions that enable Bank Negara Malaysia to effectively perform its oversight role. In general, this includes empowering Bank Negara Malaysia to specify standards, as well as, to issue directions, for the purpose of ensuring the safety, integrity, efficiency and reliability of the payment systems and payment instruments.

FELLNADO ELLNEUS JARNIS

2021-11-14 09:50:53 UTC

Based on the article, DFIs are regulated and supervised under the Development Financial Institutions Act 2002 (DFIA), to ensure financial and operational soundness, similar to the regulations imposed on commercial banks. Besides, DFIs are specialised institutions established by the government to provide a range of specialised financial products and services to suit the specific needs of the targeted strategic sectors. I learned that it is important for DFIs to set the standard or do more investigation before lending a loan due to some bad or illegal business has been done before.

SABDY SAKIUS (2020876062)

2021-11-14 14:19:35 UTC

In my opinion, the FSA and IFSA are important because to promote financial stability by fostering the security and soundness of financial institutions, money market integrity and foreign exchange markets, business conduct of financial institutions, and consumer protection. In addition, the FSA empowers the financial regulator, namely Bank Negara Malaysia(BNM), to exercise oversight over financial groups by introducing the concept of Financial Holding Company (FHC).The IFSA also aims to promote compliance with Shariah principles. it strengthens BNM's role as a Shariah regulator, imposes stringent requirements on Shariah governance mechanisms and caters to the specifics of Islamic financial products and operations based on various types of Shariah contracts.

Nurul Farhanah Binti Khairul Shobah

2021-11-14 14:29:48 UTC

Based on the article given, I can learn that the DFIs offer a variety of financial goods and services, such as long-term loans to help people establish and expand their businesses. In the article, I can see that they need to be more obedient and care about the financial institution terms. For instance, they need to implement stricter assertions and a good responsible in researching loan applicants and project specifics to prevent any non-compliance and unlawful enterprise.

NUR AJIERA IZZATI KAHAR (2020445704)

2021-11-15 09:05:41 UTC

What I learn from the article is that the DFI need to improve more in their system in loan too meet the lending standard. As it is a specialised institution that create by the government and it is also under the BNM. They also have a potential in future to be the best and will become the trustful medium in any financial management

NUR AJIERA IZZATI KAHAR (2020445704)

2021-11-15 09:32:59 UTC

In my opinion on why Financial Services Act 2013 (FSA) and the Islamic Financial Services Act 2013 (IFSA) are important because both promote safe, efficient and reliable payment systems and instruments. The Financial Services Act 2013 (FSA) provides a consumer protection and proper business conduct while Islamic Financial Services Act 2013 (IFSA) offer Syariah governance and compliance. We need both because it related to each other.

afiqahrdhh_ — 2021-11-15 12:21:35 UTC

One lesson that I learn from the article is DFIs must maintain the commerciality and credit worthiness of loan applicants, as well as the projects as lender to support the nation’s socio-economic objectives. DFIs are private entities where the exercise of discretions in approving loans is not exposed for public scrutiny. Based on article, the issue such as criminal intention to defraud, conflict of interest and corruption may occur, so they need to be more careful and rigorous approach is needed to monitor all DFIs board skill sets.

Tutorial Week 6

ninalynfridrict — 2021-11-16 08:57:04 UTC

Read the following news article. Briefly explain one lesson you can learn from this news article - relate it with Chapter 5.

2020452226 — 2021-11-19 05:40:35 UTC

In my point of view, FSA and IFSA are important as it strengthen the regulation and legislation of financial services industry in Malaysia. Both acts purpose is to promote financial stability. For instance, FSA authorize BNM to has control over financial groups by introducing the concept of FHC, consumer protection and proper business conduct and the powers of BNM. Meanwhile, IFSA aims to promote compliance with Shariah principles. FSA and IFSA helps to increased the regulation and corporate accountability compared to the previous regime.

2020452226 — 2021-11-19 06:40:29 UTC

One lesson that I have learned from the article is Development Finance Institutions (DFIs) is playing the role to ensure that the financial and operational soundness similar to the regulations imposed on commercial banks. It is purposely applied in the project to avoid criminal intention to defraud, conflict of interest and corruption which may lead to human error and bad business judgement.

QHYIZATUL — 2021-11-19 07:41:18 UTC

In my opinion the author is emphasized about the key provisions of the Financial Services Act 2013 (FSA) and Islamic Financial Services Act 2013 (IFSA). Both legislations are important because it provide for the regulation and supervision of financial institutions, payment systems and other relevant entities. The FSA empowers the financial regulator which is Central Bank of Malaysia (BNM) to exercise oversight over financial groups by introducing the concept of Financial Holding Company (FHC). FHC can only carry the business of holding investment directly and indirectly in corporation. where as for IFSA is strengthen the foundations for Shariah governance and compliance. The IFSA statutorily enforces management of Shariah non-compliance risk and requires the Islamic Financial Institutions to ensure their aims, operations and activities are in compliance with the Shariah principles.

QHYIZATUL — 2021-11-19 08:30:47 UTC

Based on the article, DFIs are regulated and supervised under the Development Financial Institutions Act 2002 (DFIA), to ensure financial and operational soundness, similar to the regulations imposed on commercial banks. And DFI also are specialised institutions established by the government to provide a range of specialised financial products and services to suit the specific needs of the targeted strategic sectors. By that, one lesson that I learned is the DFIs need to rigorous the lending standards as commercial banks do and in this way cases of fraud, conflicts of interest and corruption can be avoided.

QHYIZATUL — 2021-11-23 14:47:10 UTC

From this article, we can see that the Malaysia's capital markets was increase as at the end of July 2021. The fundraising activities in capital market has show an improvement. Malaysia's capital market was largely contributed by the private sector. One lesson that I learned is that capital markets function is to allow governments to raise funds from investors to finance them public development programs. As described by Mof the funds raised were mainly used to finance infrastructure projects, new business activities and working capital. The fund raised by the government is to finance development expenditure and stimulus packages. Capital market is very important to country long term financial needs as it efficiently direct the flow of savings and investment by facilitating the accumulation of capital and the production of goods and services.

Siti Nafisah Binti Mohamad Nor (2020891918)

2021-11-23 16:11:00 UTC

According to the report, DFIs offer a wide range of specialised financial products and services. I discovered that our government have to be more concerned about the commerciality and creditworthiness of loan applicants in our country.

Siti Nafisah Binti Mohamad Nor (2020891918)

2021-11-23 16:13:31 UTC

After reading the article, I concluded that the FSA and IFSA are significant since they reinforce the regulation and legislation of Malaysia's financial services business. Moreover, The Financial Services Act of 2013, FSA, protects consumers and ensures good corporate practises, whilst Islamic (IFSA) provides syariah governance and compliance. As a result, we require both services to improve our financial situation.

syarifatulfatihah172 — 2021-11-28 09:31:29 UTC

One lesson that I can learn is capital market is a place to trade in long-term securities. For example, Malaysia bonds inflows have reached RM20.8 billion and it benefited from international investors with higher risk. Equity capital markets, total of RM1.8 billion were raised through new issuance of initial public offerings (IPO). Equity market means place to trade equity securities such as common stocks and preferred stocks.

vergeniawong — 2021-11-29 13:38:25 UTC

One lesson that I have learned from this news article is that Malaysia's has successfully raised funds by 13.4%. Besides, the funds is used to finance infrastructure projects, new business activities and working capital. Additionally, medium term notes are the most popular among corporate bonds issued.

Nurul Neylam

2021-11-29 16:26:27 UTC

One thing I ’ve learned away from the article is that one of the functions of the capital market is to allow the government to raise funds from investors to support public development projects. The funds obtained, for example, were largely used to fund infrastructure projects, new company operations, and working capital, according to the report.

NUR AJIERA IZZATI KAHAR

2021-11-29 17:51:15 UTC

One lesson that I have learned from the article is even public sector's capital market drop marginally but because of private sector have an improvement on capital market, it is also gave benefit on Malaysia economy. Government also raised fund from investor especially from international investor that have a higher risk and higher return fixed income assets. Governemnt enable to finance development expenditure and stimulus packages as at end-July 2021 as written at the article.

Siti Nur Zulaikha Binti Mohd Zali (2020494662)

2021-12-02 03:19:58 UTC

Capital markets and bond markets are very helpful to raise funds in the private sector and the public sector. The funds obtained were largely used to support infrastructure improvements and new company operations.

MOHAMAD ALIF

2021-12-06 10:34:48 UTC

One thing I took up from the article is that a functional capital market allows the government to raise funding from investors. This is intended to finance public development projects carried out by them. It is one of the precautions taken with the cash obtained to fuel new company operations, infrastructure initiatives, and working capital. As a result, the capital market is critical to the country's long-term financial needs.

Read and answer the question.

ninalynfridrict — 2021-12-06 16:27:40 UTC

Why Central Banks around the world want to use Central Bank Digital Currencies (CBDCs)? Explain ONE possible impact if BNM decide to implement the use of CBDCs for international settlements.

QHYIZATUL — 2021-12-09 09:10:03 UTC

According to this article, we can see here that the Central Banks around the world want to use Central Bank Digital Currencies is because it can help for international settlement. CBDCs allow the financial institutions transact directly with each other in digital currency issued by participating central banks. If BNM want to use CBDCs for international settlements, the cross -border payments will be faster, easier and frictionless. BNM also can reduce the cost of transaction and reduce time taken to transact.

AHMAD NASIH ULWAN BIN KHAIROOL FARIEZ (2020825078)

2021-12-09 09:50:52 UTC

Central Banks around the world want to use Central Bank Digital Currencies (CBDCs) to provide safe and efficient payments. One possible impact if BNM decide to implement the use of CBDCs for international settlements enable fast and frictionless cross-border payments in a more efficient international settlement platform.

NURUL FARHANAH BINTI KHAIRUL SHOBAH

2021-12-09 13:58:39 UTC

Based on the article, we can conclude that there are a lot of Central Banks around the world want to use the CBDC platform as it provides a lot of convenience in conducting transactions with other banks. In my opinion, one possible impact if BNM want to use CBDC is it can help in develop in the area of banking organization in having more efficient transaction process. So, by doing this there will be allow frictionless cross-border payments by combining the advantages of distributed ledger technology that causes an efficiency of a single platform.

maelisasmin — 2021-12-10 02:19:37 UTC

All Central Banks around the world want to use CBDCs because it will allow financial institutions to transact directly with each other in the digital currencies issued by participating central banks. At the same time, it will also eliminate the need for intermediaries and also reduce the time and cost of transactions. However, one possible impact if BNM decide to implement the use of CBDCs for international settlements is the reduced transaction costs of a CBDC could exacerbate bank runs as a structural shift away from transactions in some money markets could affect the
robustness of critical interest rate indices.

maelisasmin — 2021-12-10 02:39:43 UTC

One lesson that I learn from this article is the importance of fundraising activities in capital markets by the public sector as it is mainly used to finance infrastructure projects, new business activities and working capital. MoF wrote that the funds raised by the government were deployed to finance development expenditure and stimulus packages as at end-July 2021.

syarifatulfatihah172 — 2021-12-10 05:02:41 UTC

According to the article, we can see that by using multiple multiple Central Bank Digital Currencies (CBDCs), it will allow the financial institutions to transact directly with each other in the digital currencies issued by participating central banks. It said that CBDCs will eliminate the need for intermediaries and also reduce the time and cost of transactions. If Bank Negara Malaysia (BNM) decide to implement the use of CBDCs for international settlements, it will break new ground in this next stage of CBDC experimentation and lay the foundation for global payment connectivity. It is also will spur greater public-private collaboration to enable fast and frictionless cross-border payments, combining both the benefits of distributed ledger technology and also effiiciency of a common platform.

NURUL AISYAH BINTI KAMARUDIN

2021-12-14 05:03:44 UTC

From this article, as we can see fundraising activities in the capital markets saw an improvement of 43.1% to RM65.6 billion by the private sector, while the public sector regressed marginally by 0.5% to RM97.4 billion according to MoF. Besides, the funds raised were mainly used to finance infrastructure projects, new business activities and working capital.

2020846454 — 2021-12-14 05:12:25 UTC

Central Banks around the world want to use Central Bank Digital Currencies (CBDCs) because it allows financial institutions to transact directly with each other in the digital currencies issued by participating central banks and also said this will eliminate the need for intermediaries and also reduce the time and cost of transactions.

TUTORIAL

ninalynfridrict — 2021-12-14 05:53:26 UTC

Watch this video and give your opinion on why some people go to illegal money lender instead of borrowing money from banks. Give your suggestion on how to solve the problem of loan sharks and illegal money lending activities in Malaysia and how to encourage people to use credit facilities from banks.

NURUL NAZIRA BINTI RUSLI

2020479148 — 2021-12-16 07:30:43 UTC

From this article, Malaysia’s capital markets was increased by 13.4% to RM163 billion at the end of July 2021. The fundraising activities in the capital markets saw an improvement, while the public sector regressed marginally according to MoF.
One lesson that I learned is the capital markets allow government to raise funds from investors to finance public. This function is to finance development expenditure and stimulus packages.

2020479148 — 2021-12-16 07:42:57 UTC

Central Banks around the world want to use Central Bank Digital Currencies (CBDCs) that will allow financial institutions to transact directly with each other in the digital currencies issued by participating central banks. The impact if BNM decided to use CBCDs for international settlements, it will enable fast and frictionless cross-border payments, combining both the benefits of distributed ledger technology and the efficiency of a common platform.

afiqahrdhh_ — 2021-12-16 08:45:36 UTC

Based on article, the Malaysian capital market achieved an increase in gross funds of 13.4% to RM163 billion at the end of July 2021 compared to last year. One lesson that I can learn is the government raise funds from investors to finance their investment projects such as finance infrastructure projects, new business activities and working capital as explained by MoF in the report.

afiqahrdhh_ — 2021-12-16 09:37:32 UTC

Central banks all over the world want to use Central Bank Digital Currencies (CBDCs) because they will enable financial institutions to transact directly with one another in digital currencies issued by participating central banks. This will also eliminate the need for intermediaries, reducing transaction time and cost. If BNM decides to use CBDCs for international settlements, the project will encourage broader public-private collaboration to enable rapid and frictionless cross-border payments, combining both the benefits of distributed ledger technology and the efficiency of a shared platform.

ambausakius1999 — 2021-12-16 13:37:08 UTC

One lesson I learned in this article is that the Malaysian capital market has improved by the end of July 2021. Fundraising activities in the capital market have shown an increase. The Malaysian capital market is largely contributed by the private sector. The function of the capital market is to allow the government to raise funds from investors to fund public development programs. Such as financing infrastructure projects, new business activities and working capital.

ambausakius1999 — 2021-12-16 13:54:40 UTC

Central Banks around the world want to use Central Bank Digital Currency (CBDC) to enable financial institutions to transact directly with each other in digital currency and also reduce transaction time and costs. The likely effect if BNM decides to implement the use of CBDC for international settlements is to enable fast and frictionless cross -border payments.

syarifatulfatihah172 — 2021-12-17 08:01:03 UTC

In my opinion, some people might think that borrowing money from illegal money lender can get the money faster and without anyone knowing it. By borrowing money from banks, it have many procedure before getting the money. That is why they still borrow from the illegal money lender. I would suggest that, report to police or any finance institutions that can help you with the loan sharks problem. The government may arrange on awareness campaign or program that can make community know deeply about illegal money lending. The banks also offered many credit facilities such as overdraft, term loan, housing loan, personal loan and bridging loan and End financing which you can choose to borrow money from them. It is much safer than borrowing money from illegal money lender.

Siti Nafisah Binti Mohamad Nor

2021-12-17 11:57:53 UTC

The lesson I've taken away from this storey is that Malaysia has been effective in raising finances. Infrastructure projects, new businesses, and working capital are all financed with the monies.

Siti Nafisah

2021-12-17 12:02:44 UTC

Central banks from all around the world wanted to adopt CBDC platforms because they make it easier to execute transactions with other banks. One possible impact, in my opinion, if BNM decides to implement CBDC is that it will aid in the development of banking organisations by allowing for more efficient transaction processes. By combining the benefits of distributed ledger technology with the efficiency of a single platform, frictionless cross-border payments will be possible.

MOHAMAD ALIF

2021-12-22 15:14:43 UTC

According to the report, many Central Banks across the world desire to adopt the CBDC platform since it gives a lot of simplicity in conducting transactions with other banks. The CBDC enables financial institutions to conduct direct transactions in digital currencies issued by collaborating central banks. Cross-border payments will be faster, simpler, and frictionless if BNM uses CBDC for international solutions. However, if BNM decides to adopt CBDC for foreign settlements, one possible result is that the drop in CBDC transaction costs may be amplified. Banks running as a result of a structural shift away from transactions in various money markets may have an impact on the resilience of key interest rate indexes.

Nur Yasmin Alia Binti Mohd Mazlan (2020458664)

2021-12-24 14:51:10 UTC

In my opinion, the Financial Services Act (FSA) 2013 and Islamic Financial Services Act (IFSA) 2013 are important. This is because, both of the services act provide the regulation and supervision of financial institutions in order to achieve financial stability. On top of that, FSA and IFSA also important as it can fostering the safety and soundness of financial institutions which will indirectly help consumers to feel more secure with the services that the financial institutions provide for them. Lastly, with this services act, many financial institutions can be more responsible and professional when dealing with their customers as FSA and IFSA grants Bank Negara Malaysia (BNM) the authority to ensure the financial services providers are fair.

Nur Yasmin Alia Binti Mohd Mazlan (2020458664)

2021-12-24 16:07:17 UTC

Based on the article, one lesson that I learned is, in order to promote a strategic sectors of the country, the Development Finance Institutions (DFIs) need a rigorous lending standards. DFIs played a greater complementary and developmental role in supporting the nation's socioeconomic objectives. However, lending activities for socioeconomic purposes is not an easy task as this might raise many conflict or issue such as fraud. Thus, they need to ensure compliance and apply a rigorous process that similar to commercial banks.

MOHAMAD ALIF

2021-12-30 04:26:04 UTC

Based on the article, we can conclude that there are many Central Banks around the world that want to use the CBDC platform as it provides a lot of convenience in conducting transactions with other banks. The CBDC allows financial institutions to transact directly with each other in digital currencies issued by participating central banks. If BNM wants to use CBDC for international solutions, cross -border payments will be faster, easier and friction -free. However, one possible effect if BNM decides to implement the use of CBDC for international settlements is that the reduction in CBDC transaction costs could be exacerbated. banks running as a structural shift away from transactions in some money markets could affect the strength of critical interest rate indices.

NUR YASMIN ALIA BINTI MOHD MAZLAN (2020458664)

2022-01-02 09:45:11 UTC

One lesson that I have learned from the news article is that capital market is one of the best way to raised funds. According the news articles, fundraising activities in capital markets such as equity market, bond market and derivatives market are used to finance the infrastructure projects, new business activities and working capital.

TikTok Time!

ninalynfridrict — 2022-01-03 08:19:51 UTC

Conduct a mini interview with one of your family members or friends and find out about the electronic banking (instrument/ channel) that they normally use. Share with him/her the advantage and disadvantage or tips of using that instrument/channel. Use your creativity and post it on TikTok! Share your TikTok video with us!

Nurul Neylam

2022-01-04 08:04:55 UTC

CBDCs can prevent illicit activity because they exist in a digital format and do not require serial numbers for tracking. Cryptography and a public ledger make it easy for a central bank to track money throughout its jurisdiction, thereby preventing illicit activity and illegal transactions using CBDCs.

One possible impact if BNM decide to implement the use of CBDCs for international settlements is CBDC platforms will allow financial institutions to transact directly with each other in the digital currencies issued by BNM, eliminating the need for intermediaries and cutting the time and cost of transactions

Siti Nur Zulaikha Binti Mohd Zaki (2020494662)

2022-01-06 08:58:42 UTC

Central Banks around the world want to use CBDCs because CBDCs are a tool that can help to enhance safety and neutrality in digital payments, can reduce time and the cost of moving money around the financial system and can reduce dependency on cash. One possible impact if BNM decides to implement the use of CBDCs for international settlement is to enable fast and frictionless cross-border payments, combining both the benefits of distributed ledger technology and the efficiency of a common platform in our country.

Siti Nur Zulaikha Binti Mohd Zaki (2020494662)

2022-01-06 09:11:21 UTC

Some people tend to choose illegal money lenders instead of borrowing money from banks because borrowing money from banks must follow a procedure and need more requirements for them to get the approvals from banks. Thus, they go to illegal money lenders to get the money immediately.

To solve the problem of loan sharks and illegal money lending activities in Malaysia is suited to people who do not support the paperwork that banks require. The credit history is also not checked by loan sharks. As a result, they charge a greater interest rate and use more aggressive collection tactics.

Government should encourage people by organizing campaigns or any programs that give knowledge about the bank credit facilities from banks to create awareness among the people to use these facilities.

syarifatulfatihah172 — 2022-01-06 09:20:11 UTC

In my opinion, the FSA empowers the financial regulator, commonly known as Bank Negara Malaysia (BNM). BNM is endowed with wide powers to intervene and ensure sound risk management and good governance policies. IFSA aims to promote compliance with Shariah principles. I think that is why they are important because they offered good services and good system

ambausakius1999 — 2022-01-08 18:23:51 UTC

QHYIZATUL — 2022-01-11 02:00:47 UTC

In my view, some people tend to go to illegal lender instead of borrowing money from banks because, they can get money from the illegal lenders or loan sharks immediately and there is no paperwork or any requirements and procedure they need to follow when borrow money from the illegal lenders.

Some people don’t want to go through a difficult process in terms of borrowing money, because it will take time for the approvals from banks and it is hard for them to get the money when they really need the money.

The solutions of this problem, people can go find help with any financial institutions like in this video, to help them solve this loan sharks problem. The government also can organize campaigns that create the public awareness about the illegal lenders and its disadvantages and knowledge about credit facilities offered by banks, so that they aware and use the facilities to avoid them from borrowing money with illegal lenders

2022-01-11 02:36:07 UTC

In my opinion, some people choose to borrow with an illegal lender is because the procedure is easier and faster, and they will continue to get the money they need immediately. When compared to banks, there are procedures that have to be followed as it is based on the laws that have been set by the government.

The way I suggest to be able to resolve loan sharks and illegal money lending activities in Malaysia is to give awareness to Malaysians about the effects of illegal borrowing widely whether in the form of pamphlets, advertisements, internet and so on. Financial advisory institutions can also help in alleviating this problem as they will provide suggestions and opinions in managing the financial problems faced by any individual.

The way to encourage people to use facilities from the bank is to spread the benefits of bank loans. For example, it allows you to grow your business, no interference from the bank, favorable interest rates and many more. Although a bank loan has its own pros and cons, but it will not interfere with the daily life of the borrower because all actions will be based on law.

maelisasmin — 2022-01-11 02:38:20 UTC

SITI NAFISAH BINTI MOHAMAD NOR

2022-01-11 05:34:34 UTC

What I can see is some people prefer loanshark than bank because with banks there are still a lot of procedures that they need to go through. This is very unhelpful for people who are desperate for money, therefore they ask help to a loan shark because they can get the money much more quick

We can reduce unlawful money lending in Malaysia, in my opinion, by raising awareness about how loanshark causes more harm than benefit. The government and citizens can also collaborate to stop unlawful money lending by explaining to citizens how banks can truly assist them in money lending.

Spreading the benefits of bank loans is one strategy to encourage customers to use the bank's services. For example, it enables you to expand your firm, banks may also provide additional services, and, unlike loan sharks, there is no never-ending interest fee.

Nur Yasmin Alia Binti Mohd Mazlan (2020458664)

2022-01-11 12:05:52 UTC

Based on the article, the reason why Central Banks around the world want to use CBDCs is because it will allow financial institution to transact directly with each other in the digital currencies issued by participating central banks and can ensure financial stability as CBDCs can be the tool that help to eliminate the need for intermediaries and reducing the time and cost of transaction.

Moreover, one possible impact if BNM decide to implement the use of CBDCs for international settlement is, it enable fast and frictionless cross-border payment as it combining both the benefits of distributed ledger technology and the efficiency of a single platform.

NUR YASMIN ALIA BINTI MOHD MAZLAN (2020458664)

2022-01-11 13:11:16 UTC

Based on my opinion, why some people went to illegal money lender instead of borrowing money from the bank is because, getting money from illegal money lender is one of the fastest and easier way to get money as it does not require many procedure and we can just borrow the money whenever we want while borrowing from the banks need more procedure in order to get the money. Therefore, for people who desperately need the money immediately has no choice other than borrowing from the illegal money lenders.

My suggestion to solve the problem is, the government need to create awareness about how borrowing money from illegal money lender can negatively affect us and our future because borrowing money from illegal money lender can be a long term borrowing as it has extremely high interest rates. Moreover, parents can also teach their children to manage their money properly even in the early age to help them to be more discipline and avoid the borrowing habit.

In order to encourage people to use the credit facilities from banks, the banks need to do more advertisement to make people aware of their benefits in using their credit facilities and aware of how their facilities is better than the illegal money lender such as having the legal rate of interest and more safe to use compared to the illegal money lender.

SABDY SAKIUS(2020876062)

ambausakius1999 — 2022-01-11 14:47:11 UTC

In my opinion, some people go to illicit money lenders instead of borrowing money through banks because illicit money lenders make it easier for borrowers to get loans and don’t take long to approve loans as compared to banks which take a long time and go through various processes to pass. my suggestion on how to solve the problem of borrowers and money laundering activities in Malaysia is to enforce the law. By imposing heavy penalties on illicit money lenders and further increasing arrests so that the problem can be curbed quickly. A method that can encourage people to use credit facilities from banks is to reward the consumers who use credit facilities the most.

Mohamad Alif

2022-01-12 06:05:19 UTC

Some people, in my opinion, choose to borrow money from a loan shark since it is easy to pass and does not need severe processes, such as providing monthly pay stubs when borrowing money from a loan shark. We need to give a lot of documentation if we want to borrow money from a bank.

My recommendation for dealing with the problem of loan sharks and illegal money lending in Malaysia is that if we know someone who is participating in loan sharks or illegal money lending, whether family or close acquaintances, we should report them to the authorities right away so that they may be prosecuted.

Some approaches to encourage people to use bank credit facilities include the bank providing better financial information to customers and maybe running a campaign in high school to enlighten teens about the bank's services.

SAHRINA BT SABIR

2022-01-12 07:34:41 UTC

In my opinion, both FSA AND IFSA are partially important as both are spreading the power of BNM with the same objectives. Just like FSA are empowering BNM by exercising oversight over financial groups and IFSA are entrenches BNM’s role as Shariah regulator, imposes stringent requirements on Shariah governance mechanisms .

SAHRINA BINTI SABIR

2022-01-12 09:07:23 UTC

Based on the article, ever since July 2021, the fundraising activities has been raising in percentage and most of them are largely contributed by the private sector in the capital market such as bonds, shares from the bursa derivatives as well. I learned that, capital market activity has a really big role in our country.

SAHRINA BINTI SABIR

2022-01-12 15:12:31 UTC

Based on the article, all the central banks around the world joining forces in utilizing CBDCs is because it will eliminate the need for intermediaries and also reduce the time and cost of transactions.

One of the possible impact if BNM decide to implement the use of CBDCs for international settlements could be instability in the commercial banks for example, if the adoption of CBDCs were quick, it could require a shift of funds out of bank deposit into digital cash. Hence, it could reduce the commercial bank's ability to lend that leads to instability.

SAHRINA BINTI SABIR

2022-01-12 15:31:35 UTC

In my opinion, the reason why some people decided to go to illegal money lender is because borrowing money from the bank is time consuming and doesn't have the certainty to get approval as the requirement can be difficult to comprehend and difficult to get the application approved.

I think one of the way to solve the loan sharks problem is by having a new service from the bank that is specified for borrowing money in a short period of time but with a loose requirement that's easy to get approval with a person as guarantor or it could be something precious as a guarantor such as golds, watches instantly.

NURUL FARHANAH BINTI KHAIRUL SHOBAH

2022-01-12 17:09:21 UTC

According to the video, I can see that there are some people who use to borrow money from illegal money lender more than borrowing money from an official money institution. In my opinion, they prefer to borrow money from the loans shark is because it is quiet easier for them as they don’t have a lot of procedure to go through. This make them to get the money they needed immediately.

To solve this problem, I think I would like to suggest that we need to spread awareness about the disadvantages of borrowing money from illegal money lender. For example, sharing with the community that they are giving a high rates to the money we borrow. Which can cause us pressure as it make us stuck with debt. Moreover, people also can seek help from any other financial advisor company to help them manage their financial management properly.

Sharing some advantages of credit facilities from bank can encourage people to borrow money. For instance, people can make a bank loan to help them getting a fund. This facility often use in order if you want to expand your firm. The bank company can provide any other services and guide you. This facility is also lighten up as it doesn’t give a high rates than the loan sharks

NURUL FARHANAH BINTI KHAIRUL SHOBAH

2022-01-12 18:04:24 UTC

In my opinion, both Financial Service Act 2013 (FSA) and the Islamic Financial Service Act (IFSA) are important because they are provide a precise regulation and supervision of all the financial institution.

The importance of the FSA is demonstrated by the fact that it empowers the financial regulator. Unless otherwise allowed by Bank Negara Malaysia, this assists in carrying on the business of holding investments directly or indirectly in corporations that are principally involved in financial services.

Meanwhile, the Islamic Financial Services Act (IFSA) strives to promote Shariah compliance by catering to the unique characteristics of Islamic financial products and activities through a variety of Shariah contracts and to strengthen Islamic financial institution supervision.

Nurul Farhanah Binti Khairul Shobah

2022-01-13 02:38:49 UTC

According to the article, one lesson that I’ve learned is both the commercial and governmental sectors, capital markets and bond markets are extremely useful for raising funds. The money was mostly utilised to finance new business operations, infrastructure, and working capital. This also can be proven based on the article, as the end of July 2021, the government enable to finance development expenditures and stimulus packages. In a nutshell, the capital market plays an essential role in the country's long-term financial requirements.

Qurratu'aini bt Zulfa (2020473088)

2022-01-13 07:47:34 UTC

Based on the article, I have learn one lesson is the Development Financial Institutions (DFI) need to) specialized financial institution established by the government under non-bank financial institution (NBFI). DFIs offer variety specialized financial products and services to suit the specific needs of the targeted strategic sectors. However, it is necessary to take a serious look in the scrutiny of loan applications just like commercial banks to avoid non-compliance.

FELLNADO ELLNEUS JARNIS

2022-01-13 15:33:02 UTC

Based on the article, we can see that Malaysia has increased the capital market by 13.4% in July 2021. The fundraising activities in the capital markets saw an improvement of 43.1% for the private sector, while the public sector regressed marginally by 0.5%. In MoF report said that this fund raised were mainly used to finance infrastructure projects, new business activities and working capital. This shows how important the fund that has been raised by the government to help Malaysia's economy.

FELLNADO ELLNEUS JARNIS

2022-01-13 15:46:52 UTC

Based on the article, all the Central Banks around the world want to use Central Bank Digital Currencies (CBDCs) because the advantages of this CBDCs which is convenience. CBDCs allow financial institutions to transact directly with each other in the digital currencies issued by participating central banks. The impact if BNM decided to use CBCDs for international settlements, it will be more easy and all the process can be done fast. Besides, this will eliminate the need for intermediaries and can reduce the cost of transactions.

FELLNADO ELLNEUS JARNIS

2022-01-13 16:16:53 UTC

In my opinion, the main reason why people always choose to borrow money from a illegal money lender than borrowing from bank is because illegal money lender no specific condition such as bank statement which mean it is easy for them to get the money. Besides the process of borrowing money from the illegal money lender is fast compared to bank and this is the reason why people are choose to borrowing money illegally especially when they really need money.

To solve this problem, government should take their responsibility to tell Malaysian on the disadvantages or danger for borrowing money from the illegal money lender. In this case, government can make an advertising video about the effect of borrowing money from illegal money lender to make them more aware and be careful with their choice.

In order to encourage people to use credit facilities from banks, the government can make a Television program that talk about the benefits of using credit facilities from banks. This maybe can give them a knowledge and slowly have interest on using these facilities.

Vergenia Wong Fung Ling (2020863564)

vergeniawong — 2022-01-13 17:07:58 UTC

I think the FSA is important because it grants BNM the authority to undertake various actions to make sure that financial services are fair, responsible and professional when dealing with financial customers.
Meanwhile, IFSA is important because it help to strengthen the foundations for end-to-end Shariah governance and compliance, support the effective application of Islamic financial products and services and many more.

Vergenia Wong Fung Ling (2020863564)

vergeniawong — 2022-01-13 18:00:21 UTC

One lesson that I have learned in this article is, it has mention that DFIs must look into the commerciality and credit worthiness of loan applicants, as well as the projects involved as a lender. So, DFIs must rigorous the money lending rules in order to prevent criminal issues happen.

Vergenia Wong Fung Ling (2020863564)

vergeniawong — 2022-01-13 18:14:27 UTC

The Central Banks around the world want to use CBDCs because by using this, it will allow financial institutions to transact directly with each other in the digital currencies issued by participating central banks. Also, CBDCs will remove the need of intermediaries as well as reduce the time and cost of transactions.

The one possible impact if BNM decide to implement the use of CBDCs for international settlements is the international settlements will be more efficient by using this platform and can enhance cross-border payments.

Vergenia Wong Fung Ling (2020863564)

vergeniawong — 2022-01-13 18:30:09 UTC

In my opinion, some people go to illegal money lender instead of borrowing money from banks is because they are lack of knowledge about proper way to borrow money. Moreover, their mental might not be normal where they cannot think rationally because they need money in a rush.

I think government should rigorous the rules and arrest people who run loan sharks and illegal money lending. Additionally, a campaign of encourage people to use credit facilities from banks must be carry out in order to avoid the danger of loan sharks.

NURUL AFIQAH RIDHUAH MOHAMAD

afiqahrdhh_ — 2022-01-14 01:15:03 UTC

In my opinion, some people go to illegal money lenders instead of borrowing money from banks is because they need money quickly. After all, maybe they are facing an emergency. An illegal money lender is simple and usually does not require any credit checks compared to a bank loan or a licensed money lending company.

The way to solve the problem is by telling the responsible party to resolve the issue. People, especially children, should be taught to borrow the right things from a young, and understand the difference between authoritative borrowers and not. More importantly, people should learn to ask themselves if there is a real need to borrow.

To encourage people to use credit facilities from banks is by promoting their services on social media or television that show the benefits of their services and it is safe to use that services in Malaysia.

2020452226 — 2022-01-14 05:31:44 UTC

One lesson that I can obtained from the news article is capital market enable government to raise funds from investors to finance their public development programs. For instance, based on the news article, the Ministry of Finance explained that the funds raised by the government were mainly used to finance infrastructure projects, new business activities and working capital.

2020452226 — 2022-01-14 06:11:54 UTC

The reason why Central Banks around the world want to use CBDCs is because it allow financial institutions to transact directly with each other in the digital currencies. If BNM decides to utilize CBDCs for international settlements, it will encourage further public-private collaboration to allow quick and easy cross-border payments, combining the benefits of distributed ledger technology with the efficiency of a common platform.

2020452226 — 2022-01-14 07:58:16 UTC

In my point of view, some people choose to seek help and borrow money from illegal money lender is because this organization provide easy and quick procedure of borrowing money for those who are facing financial difficulties. It is acknowledged that most of us loves to get things done fast. This lead people who are in a hurry to generate money to pay their bills and so on tend to sign an agreement with illegal money lender.

In order to solve the problem of loan sharks and illegal money lending activities in Malaysia is by strengthen the law of the Moneylenders Act 1951 (Amended 2011), Moneylenders (Control and Licensing) Regulations 2003 and Moneylenders (Compounding of Offences) Regulations 2003. The penalty for those who run an unlicensed moneylending business is a RM1 million fine. The law also prohibits the licensee and unlicensed moneylender from employing an agent to invite a person to borrow money.

The best advice to encourage people to use credit facilities from banks is by presenting as well as promote the services provided by banks institution particularly in terms of money lending. Spreading the knowledge of the services will increase the awareness of society especially those who are in need of money.

NURUL HANIS SOFEA BINTI MOHD HAFIZ (2020895886)

2022-01-14 13:54:16 UTC

I think the FSA are important because by introducing the idea of a FHC , the FSA allows the financial regulator, especially the Bank Negara Malaysia (BNM), to have authority over FHC. The FSA then gives BNM the right to take a variety of actions to ensure that financial services companies are fair, accountable, and professional when dealing with customers. Finally, the FSA states that only persons and strict liability offences are subject to imprisonment. For the IFSA, the IFSA aims to promote Shariah coprincipals. It is by establishing BNM's role as a Shariah regulator, imposing strict standards on Shariah governance mechanisms, and catering to the specificities of Islamic financial products and operations based on various types of Shariah contracts. The IFSA then plans to strengthen the foundations for end-to-end Shariah governance and compliance, support the effective application of Islamic contracts in the offering of Islamic financial products and services, from contracting to resolving a failed Islamic financial institution, and align legal and regulatory principles with Shariah precepts to promote greater legal and operational certainty.

FELLNADO ELLNEUS JARNIS

2022-01-14 14:25:32 UTC

The interview is between me and my old friend which is my ex classmate in primary school. The interview is done through Whatsapp.

Siti Nur Zulaikha Binti Mohd Zaki (2020494662)

2022-01-14 14:36:41 UTC

NURUL NEYLAM RAUDHAH

2022-01-14 15:24:39 UTC

In my opinion, some people prefer to borrow money from unlawful loans rather than banks since they have a simpler money-lending process. Aside from that, banks will not lend money to you until you provide proof of income, such as a paycheck. My solution for solving the issues of loan sharks and illegal money lending in Malaysia is for the government to educate the public about the dangers of borrowing money illegally. Besides, the government should tighten the rules against illegally lending money so that illicit companies are afraid to provide it. To encourage people to use bank credit facilities, banks should educate young people by holding credit facility campaigns in schools.

NURUL NAZIRA BINTI RUSLI

2020479148 — 2022-01-14 21:10:28 UTC

In my opinion, people who lend money from illegal money lenders think that is an easy way to get a quick cash . It is because if they borrow money from the bank, it take a lot of procedure for getting the money. Therefore people go to illegal money lenders to get a quick cash.

My suggestion to solve this problem is to spread the awareness of illegal money lenders at media social so people will be more aware of this activity. Not only that, by spreading an awareness, people will only see the negative side of this activity.

Spreading a benefits of credit facilities or do campaign about illegal money lenders are ways to encourage people to make a loan at the bank instead of loan shark. The banks also should offered more credit facilities and simplify the management of money lending.

MAELISA BINTI ASMIN (2020881316)

maelisasmin — 2022-01-14 23:00:48 UTC

QHYIZATUL — 2022-01-15 01:45:33 UTC

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2022-01-15 04:29:37 UTC

NURUL FARHANAH BINTI KHAIRUL SHOBAH

2022-01-15 04:33:23 UTC

NURUL AISYAH BINTI KAMARUDIN

2020846454 — 2022-01-15 07:13:25 UTC

In my opinion why some people go to illegal lenders instead of borrowing money from banks is because it has an easier money-lending process than the banks. Other than that, lending money from banks requires some requirements such as paycheck otherwise they will not give the money.

My suggestion on how to solve the problem of loan sharks and illegal money lending activities in Malaysia is to increase awareness campaigns on the dangers of making money loans other than in banks so that the public knows about the negative effects that will be obtained.

syarifatulfatihah172 — 2022-01-15 09:18:05 UTC

NURUL NAZIRA BINTI RUSLI

2022-01-15 11:15:40 UTC

JZOWEY ELLENY ANN JETI (2020414402)

2022-01-15 11:33:19 UTC

Hello everyone and madam ninalyn. I choose nani pelekai as my cartoon character from Lilo and Stitch movie . It is because Nani pelekai is very hardworking, kind hearted and independent woman since their parents died. She need to do part-time job sometimes to save money for her little sister since she was 19-years old . Same as me I've been working since I finish my high school . I worked to help my family to earn money cause I love my family so much. I also earn money by myself until now so that i dont have to ask my parents for money anymore. Then I considered myself as an independent girl. Thats all I can share here , thankyou for reading mine. Sorry for the late submission madam and thankyou for the opportunity. 💕💖

Nurul Neylam

2022-01-15 11:44:09 UTC

JZOWEY ELLENY ANN JETI (2020414402)

2022-01-15 12:15:58 UTC

In my opinion, why people go to illegal money instead of borrowing money from banks it is because some people may not stability financially, or some people maybe who have no assets and have a bad credit history they may see money lending as a first solution to expedite matters .

My suggestion is , as people that have problem with finance there are many easier way to choose but, don't get involved and put ourselves in the place of loans that we shouldn't be. Maybe its your last option but its was not. It is Because there are several banks in Malaysia that we can make a loan based on our salary or our ability to pay later.

The headquarters should provide more advisor to teach people step by step until they fully understanding .

JZOWEY ELLENY ANN JETI (2020414402)

2022-01-15 12:34:28 UTC

The reason why Central Banks around the world want to use CBDCs it is because CBDCs is for international settlements. CBDCs also, simplify the fiscal policy and promote financial inclusion in an economy by bringing the unbanked in the financial system . One possible impact if BNM decides to implement the use of CBDCs for international settlement is can lead to financial stability in our country .

JZOWEY ELLENY ANN JETI (2020414402)

2022-01-15 13:02:14 UTC

One lesson I can obtained from the news article is the capital market is can gain fund more easier and have savings. All the infrastructure activities ,business activities and working capital are fully financed it because of the fund raising in capital market.

Salizah ayong (2020436124) people who borrow money from money lender won’t have to provide them with a lot of information to get the loan approved, and they won’t be concerned about your poor credit score, or if you are up to your eyes in debt. Investors are constantly on the lookout for financial solutions to develop their property. Borrowing money from a hard money lender is a popular option for those finding it difficult to get finance to develop real estate. However, before you start speaking to a hard money lender, you need to understand the pros and cons of taking the loan.

2020436124 — 2022-01-15 13:18:58 UTC

Capital market helps increase your value of investment. Capital market's Instruments comes with liquidity means you can easily convert it into cash.

2020436124 — 2022-01-15 13:27:44 UTC

central bank digital currencies can make cross-border transactions easier, promote financial inclusion and provide payment system stability. There are also privacy and surveillance risks with government-issued digital currencies. And in times of economic uncertainty, people may be more likely to pull their funds from commercial banks, accelerating a bank run.

2020436124 — 2022-01-15 13:29:14 UTC

DFI should be improve their commerciality and creditworthiness.

2020436124 — 2022-01-15 13:36:15 UTC

An FSA provides account holders with a way to pay for many of the medical, dental, and vision expenses they can't avoid with pre-tax funds, and provides participants with access to those funds at the beginning of the plan year. IFSA main objectives are to promote financial stability and compliance to Shariah and further strengthen the regulation of Islamic financial institutions.

2020436124 — 2022-01-15 13:44:14 UTC

JZOWEY ELLENY ANN JETI (2020414402)

2022-01-15 14:20:38 UTC

In my opinion FSA and IFSA are important is is because, its was most significant pieces of legislation to impact the Malaysian financial services industry when they come into force. Furthermore, FSA/IFSA is to promote secure, efficient , and reliable payment system and instruments, Also, its tightened provisions to govern payment system operators and payment instrument issuers.

JZOWEY ELLENY ANN JETI (202041402)

2022-01-15 14:25:23 UTC

Based on the article above, what I have learn is the commerciality and credit worthiness of loan application must be monitored by the DFI.

AB FARAHANIE BINTI ANDI MOHAMAD GHAZALI ( 2020694402 )

2022-01-15 14:28:16 UTC

SAHRINA BINTI SABIR

2022-01-15 14:31:32 UTC

SITI NAFISAH (2020891918)

2022-01-15 14:44:08 UTC

NURUL AISYAH BINTI KAMARUDIN

2020846454 — 2022-01-15 14:45:12 UTC

QURRATU'AINI BT ZULFA (2020473088)

2022-01-15 14:46:32 UTC

NUR AJIERA IZZATI BINTI KAHAR (2020445704)

2022-01-15 15:00:35 UTC

The rrason why all Central Banks around the world want to use Central Bank Digital Currencies (CBDCs) is because of the technology and the function. CBDCs allow financial institutions to transact directly with each other in the digital currencies issued by participating central banks. It means that, if BNM decide to implement the use of CBDCs for international settlements, BNM can eliminate the need for intermediaries that always been use by all bank and also reduce the time and cost of transactions.

QURRATU'AINI BT ZULFA (2020473088)

2022-01-15 15:12:57 UTC

One lesson that I learn from this news article related with chapter 5 is Malaysia's capital market raise fund RM 163 billion as at the end of July 2021 from a year ago. This shows that capital market managed to raise fund to finance infrastructure projects, new business activities and working capital.

NUR AJIERA IZZATI BINTI KAHAR (2020445704)

2022-01-15 15:17:53 UTC

In my opinion on why most of people more use loan shark than bank is because of the procedure that loan shark use is more easier. Bank use so many procedur and need third party as guarantor. According to the video, that man do not want his family to know that he need money and want to make a loan. So we can see that, bank procedur is the top reason why most of people using loan shark. Procedur that loan shark use is simple and can get money right away.

My suggestion to handle about the loan shark is encourage people who make a loan with loan shark to meet with someone or trsuted agency to get help and advice such as Tai Tarian at the video.

And how to encourage people to make a loan with bank is spread awareness about the negative impact if make a loan with loan shark. Other than that, every bank have part where the employee can help poeple to guide people on making loan with them. Help until the loan successfully.

QURRATU'AINI BT ZULFA (2020473088)

2022-01-15 15:19:25 UTC

Central banks around the world want to use Central Bank Digital Currencies (CBDCs) because it enable financial institutions to interact directly with one another in digital currencies issued by participating central banks, which will make international settlement quicker. As a result, there will be no need for intermediaries, and transactions will take less time and cost.

QURRATU"AINI BT ZULFA (2020473088)

2022-01-15 15:23:20 UTC

In my opinion the reason why some of people goes to illegal money lender because the procedures of borrowing money from the illegal money lender is more easier than bank in procedure process. My suggestion to solve this situation is by always do a promotion activities to let people know about the benefits if we loan from bank. In instance, banks should do more commercial via online to attract people because nowadays people more likely to know some issues through online sector.

AB FARAHANIE BINTI ANDI MOHAMAD GHAZALI ( 2020694402 )

2022-01-15 15:37:38 UTC

Based on the article , according to the MoF, fundraising operations in the capital markets increased by 43.1 percent to RM65.6 billion in the private sector, while the public sector declined marginally by 0.5 percent to RM97.4 billion. The funds are also used to fund infrastructure projects, new company ventures, and working capital. Furthermore, among the corporate bonds issued, medium-term notes are the most popular.

AB FARAHANIE BINTI ANDI MOHAMAD GHAZALI ( 2020694402 )

2022-01-15 15:42:53 UTC

We can see from this article that Central Banks all around the globe want to adopt Central Bank Digital Currencies because they can aid with international settlement and enable secure and efficient payments. If BNM decides to implement CBDC, one possible effect is that it will aid in the development of financial organizations by allowing for more efficient transaction processes.

AB FARAHANIE BINTI ANDI MOHAMAD GHAZALI ( 2020694402 )

2022-01-15 15:53:56 UTC

In my opinion, most people take action to borrow money from illegal money lenders because they can get money faster without a lot of procedures and correspondence while borrowing money from banks involves several procedures and takes a long time. As a result, they prefer to borrow from illegal money laundering institutions rather than banks. For me , the government should launch public awareness campaigns or programmes to educate the public about the dangers of money laundering and the benefits of banking, which include overdrafts, term loans, home loans, personal loans, and bridging loans and financing.

AB FARAHANIE BINTI ANDI MOHAMAD GHAZALI ( 2020694402 )

2022-01-15 15:59:23 UTC

In my opinion FSA and IFSA is important since they both regulate and supervise financial institutions, payment systems, and other related organizations, as well as oversee the money market and foreign currency market. Consumer protection and good business conduct are provided by the Financial Services Act of 2013, while Syariah governance and compliance are provided by the Islamic Financial Services Act of 2013. We require both because they are connected.

Vergenia Wong Fung Ling (2020863564)

2022-01-15 16:17:11 UTC

NURUL HANIS SOFEA BINTI MOHD HAFIZ (2020895886)

2022-01-16 08:14:56 UTC

Based on the articles, one lesson that I learn is the government should control private institutions like DFI in details from the beginning to prevent criminal things from happening.

NURUL HANIS SOFEA BINTI MOHD HAFIZ (2020895886)

2022-01-16 08:54:05 UTC

From the article, one lesson that I learned is Malaysia has managed to grow more successfully in the financial field at the end of July 2021 compared to the previous year although Covid-19 was still hit at that time. One example is the positive sentiment among investors in part due to businesses adapting to a challenging environment while embracing digital technology in conducting their operations in accordance with the MoF. From these examples, indirectly the function of the capital market has been implemented which is to enable business entities to obtain funds from investors to finance their investment projects.

NURUL HANIS SOFEA BINTI MOHD HAFIZ (2020895886)

2022-01-16 10:25:14 UTC

It its because they want to use for an international settlements. If BNM decide to implement it, our nations will using cross-border transactions using multiple CBDCs. Then, it will leapfrog the legacy payment arrangements and serve as the foundation for a more efficient international settlement platform.

NURUL HANIS SOFEA BINTI MOHD HAFIZ (2020895886)

2022-01-16 11:02:51 UTC

In my opinion, they want to spend a lot of money quickly and they don’t need as much documentation as a bank. Next, I suggest that people stop paying. Once you have identified your lender as a lender, you should stop paying anything to them. Please report to the authorities immediately and hold on until help arrives. Never give them a penny. Finally, to encourage people to use credit facilities from banks is that banks should set a warning payment deadline in credit facilities. This is because people tend to forget to pay money before the credit facility deadline. Indirectly, it will automatically block and can go directly to the blacklisted user.

NURUL HANIS SOFEA BINTI MOHD HAFIZ (2020895886)

2022-01-16 14:56:28 UTC

Answer the following past year questions as revision

ninalynfridrict — 2022-01-17 23:13:58 UTC

And answer this one too

ninalynfridrict — 2022-01-17 23:14:22 UTC

NURUL QHYIZATUL NAFIZAH BT SUHAIMI (2020452364)

2022-02-12 12:53:17 UTC