Ku Nan dedah kakitangan sokongan DBKL banyak hutang

aldilla_zahraa

pasuoren replied at 14-2-2017 04:04 AM
penjawat awam adalah senang bank lulus loan.
kemudahan ini yang jadi perangkap kepada penjawat aw ...

Bagi aku hutang yang munasabah cuma hutang rumah dan hire purchase kenderaan, itu pun kena berhati2 sebab kadang2 ada org terlebih ghairah buat sampai max DCR.

Hutang yang tak munasabah adalah hutang personal loan yg entah utk apa2 contohnya nak kawin, nak masuk MLM nak besarkan dapur etc

tagas

Bkn takat dbkl

sume gomen agency staff ada probs yg perlu dibantu

gara2 sikap suka oberlap bank rakyat

pasuoren

aldilla_zahraa replied at 14-2-2017 12:17 PM
Bagi aku hutang yang munasabah cuma hutang rumah dan hire purchase kenderaan, itu pun kena berhati ...

Bagi aku hutang yang munasabah cuma hutang rumah dan hire purchase kenderaan, itu pun kena berhati2 sebab kadang2 ada org terlebih ghairah buat sampai max DCR.

Hutang yang tak munasabah adalah hutang personal loan yg entah utk apa2 contohnya nak kawin, nak masuk MLM nak besarkan dapur etc

well said..

tapi, tu lah..
bila ruang dah ada..
pihak bagi pinjam pun sama lorat galakkan lagi..
emmm.....

pandai pinjam..pandai bayau la...
yang dapat komisen jugak yang tepuk tangan..

pasuoren

tagas replied at 14-2-2017 12:20 PM
Bkn takat dbkl

sume gomen agency staff ada probs yg perlu dibantu

Bkn takat dbkl

sume gomen agency staff ada probs yg perlu dibantu

gara2 sikap suka oberlap bank rakyat

yang beng rakyat pun satu..
ada kalanya peminjam nak buat loan sikit je pun..
tapi...siap promo..kalau overlap boleh dapat sekian sekian ( lebih sikiiittt je - konon - uweekk konon..)
padahal..yang promot tu dah terbanyang komisen yang dia bakal dapat kalau orang tu buat overlap max..

yang peminjam..dah gelap mata..sain..
padahal..dah elok elok loan lama tu nak habis dalam 3-4 taun lagi..
dia gi campo lak ngan loan baru..setuju buat overlap..

tu yang iols kata..
ada drama jugak dalam loan loan nia

herrhughie

bila hutang, mesti dahagkan duit....start merasuah la...

aldilla_zahraa

pasuoren replied at 14-2-2017 04:30 AM
yang beng rakyat pun satu..
ada kalanya peminjam nak buat loan sikit je pun..
tapi...siap promo. ...

Bank standard laaaa dia nak keuntungan maaaaaa.

Yg org bijak jgnla terpedaya dgn janji manis sgt

Baru je ni dgr cerita org buat PL sebab nak pg umrah. Katanya bini desak2 nak berumrah sbb tak mau ketinggalan dgn kwn2

pasuoren

aldilla_zahraa replied at 14-2-2017 12:44 PM
Bank standard laaaa dia nak keuntungan maaaaaa.

Yg org bijak jgnla terpedaya dgn janji manis sg ...

Bank standard laaaa dia nak keuntungan maaaaaa.

Yg org bijak jgnla terpedaya dgn janji manis sgt

Baru je ni dgr cerita org buat PL sebab nak pg umrah. Katanya bini desak2 nak berumrah sbb tak mau ketinggalan dgn kwn2

well...
yang nampak..salah penjawat awam jugak..

so, penjawat awam kena celik..
baca doa banyak banyak sebelum nak buat loan..
iman kena tetap..
kalau nak buat sekian banyak..
takyah lak termakan pujukan suh buat max max max bagai..

then...
di pertengahan jalan, masalah melanda..
ada masalah berkaitan payroll dan potongan gaji..
haa...tengok la cara bank tu cari peminjam..
bahasa pun dah macam along..

abbyhoney

Jgn salah faham ye....menteri hanya ulas apa yg Datuk Bandar cadangkan kpd kakitangannya pada tahun lepas saja. Yg keluar duit utk bantu kakitangan DBKL adalah dbkl sendiri, okey?.....

Dia berckp dlm majlis pelancaran projek2 ICT DBKL semalam. Saya hairan kenapa isu yg itu pulak yg keluar dlm media. Dah lari dari tujuan asal program.

adn

lagi sedey bila nak dekat buka sekolah pernah nampak loan yg dioffer untuk beli kelengkapan sekolah anak...adoii laa...kesian btul...dah abih beli barang anak...pastu nak pikir bayar hutang loan tu pulak... OT kejap

airfilterkotor

Penghisap darah pelanggan tanpa mengenal sempadan batasan.
Lagi mo tanya.

nyanyan

bukan ke dah ada rules hutang tak boleh lebih 60% dari gaji untuk staff gomen? macamana ada yang sampai 100%?

tagas

herrhughie replied at 14-2-2017 12:33 PM
bila hutang, mesti dahagkan duit....start merasuah la...

Yg kerani jaga tender project pow kontraktor duit kopi

yg enforcement carik lubok yg bleh mkn bulan

bos2 besaw sembelih kontraktor2 yg bleh bg persent projek

GhostWalking

No Income Nation" Comes To DBKL Staff ! ABOLISH THE GST LAH !





Some DBKL staff drowning in personal debt: Ku Nan

Bernama - 14 February 2017
   
DBKL staff retain only RM50 of salary after debts, said Ku Nan

over 1,200 DBKL staff have high monthly debt obligations

so little income, they can't pay living expenses

caught cheating, falsifying salary slips to qualify for higher loans

taken so many loans, loan (payments?) equivalent to monthly income

And then here comes Ku Nan's stupidity  :

FT Ministry will assist solve their financial problems

by getting lower interest rates, extending term of loans

DBKL settle their debts first, make periodic deductions from salary

this has not been finalized -- Bernama

My comments :  With all due respect to the DBKL staff, what is so special about them that Ku Nan suggests using taxpayers funds to "settle their debts"?

How about school teachers, hospital ambulance drivers, policemen etc? Should the gomen 'settle all their debts" as well and then potong gaji over a longer period of time?

Get lower interest rates from who? Ah Long Babuji and Co?

It is basic banking practise that higher risk borrowers pay higher interest rates and lower risk borrowers pay lower interest rates. As I said before this kabilah is very DNA challenged.  


This did not happen in Malaysia BEFORE the disastrous GST was implemented. Just abolish the GST.

To all you gomen morons and prepaid monkeys let me repeat a simple Standard Four calculation about the real effect of the GST. (Some of you idiots were cursing and laughing at me when I said exactly the same thing just before the GST was implemented. Well you can eat crow now).

Without GST

Say the factory price for some products is RM100. This is what the wholesaler pays the factory.

Then the wholesaler put a 10% profit margin and it became RM110. This will be the price offered by the wholesaler to the retailers.

Lets say the retailer added a 20% profit and sold it to the consumer for RM132.00  

So from factory to consumer is a RM32 margin payable by the consumers.  Without any GST.


Now lets add 6% GST

Now there is 6% GST. Start from the top again.  So the wholesaler has to pay the factory RM106 for the same amount of product.

Then the wholesaler marks up his profit of say 10%. So his selling price becomes  RM116.60.   

Then the wholesaler adds again GST at 6% and the wholesaler's price to the retailer becomes  RM 123.60

Then the same retailer marks up the same 20% profit. The price to the final consumer becomes RM148.32.

But wait a minute, there is that  GST 6% again and so the price to the consumer becomes RM157.21 for the same product.

In this simple example (which is very real) after the GST, from factory to consumer  the margin payable by the consumer is RM57.21.

With GST the increase in the retail price is RM157.21 - RM132 = RM25.21  or 19%.

This is using a simple three node supply chain (factory, wholesaler, retailer) with a 10% markup at wholesale and a 20% markup at retail.  

If you have the time you can try other rates of markup.  In the jewellery business, Poh Kong the market leader adds a 24% mark up on gold price alone, but they "absorb" the GST. He he.

In this example the consumer pays 19% extra with GST.

All the "netting off"  bullshit is a backroom operation between the business people and the customs department.  That does not involve you the consumer.
There is a simple reason for this. When you buy goods from your wholesaler, you have to pay him extra 6% now, today, this morning, in your face and  using your real money.

Then the product sits in your premises waiting for a customer. A customer could purchase it today, tomorrow, next week or two years from now. I dont know.
In the meantime it is your capital (as a business) that has been used to pay that 6% GST to the gomen.   You are burning your own capital to pay that 6% GST.

And you  cannot  'get back'  that 6% until the product gets sold, which as I said can be today, tomorrow, next week or next year.
So who is going to cover the cost of that extra capital?  It is a huge opportunity cost for you as a business. Who is going to pay for that?

Not the Social Welfare Department. It has to be the consumer.  So the businesses "pass through" the costs of the GST to the consumer. The consumers  pay extra.

The consumer bears all these 'compounded' GST costs.  

So you are a DBKL staff earning say RM2000 per month.  
You can barely survive on RM2000 per month in KL.
The whole RM2000 will be gone in no time.

But you are not buying goods worth RM2000 anymore.  
19% of your RM2000 goes DIRECTLY to the gomen in the form of the GST.   
That is RM380.  
Your actual purchasing power is RM1620 only.

You have been hit by a 19% pay cut (in the simple and very real scenario above).

If you are a person who consumes a lot of GST items, your actual pay cut will be more.

If you live by non GST purchases alone (kangkung, ikan kembong) then your pay cut is less.
The wage earners, especially the DBKL staff who are almost 100% Malays,  get hit the most because their salaries are fixed.

The GST is killing them first.
Please ABOLISH the GST.
The people are becoming poor.
The Malays are becoming impoverished.
Syed Akbar Ali at 9:30:00 PM

abbyhoney

GhostWalking replied at 14-2-2017 10:19 PM
No Income Nation" Comes To DBKL Staff ! ABOLISH THE GST LAH !

"My comments :  With all due respect to the DBKL staff, what is so special about them that Ku Nan suggests using taxpayers funds to "settle their debts"? "


Dia kata nk guna taxpayers funds ke?


Loan DBKL menggunakan funds dbkl sendiri. Even bayaran gaji kakitangan dan bonus yg kerajaan warwarkan tu itu pun DBKL guna hasil dari DBKL sendiri. Nama pun Loan DBKL bukan dari Kementerian.

Tak dinafikan memang ramai yg ada masalah potongan gaji yang melebihi had dan kebanyakkannya dari kumpulan sokongan 2 termasuklah buruh2. Tapi syarat2 utk dptkan loan datuk bandar ni pun sama mcm nk buat loan bank juga. Cuma ada tambahan : "Asas pertimbangan pinjaman adalah tertakluk kepada kemampuan bayaran balik dan pengesyoran penstrukturan semula pinjaman oleh Agensi Kaunseling dan Pengurusan Kredit (AKPK)."

RED 666

airfilterkotor replied at 14-2-2017 01:43 PM
Penghisap darah pelanggan tanpa mengenal sempadan batasan.
Lagi mo tanya.

Isap darah pelanggan pun sekurang2nya lagi kurang dr interest yg swasta tanggung

-electrifying-

bila xsedar diri dan gaji skit ade hati mnx hutang byk2, lpas tu bangang2 ni sbuk memikirkan org2 mcm ni, nk selesaikan la apa la, pdhl byk lgi bnda nk dibuat

Diamje

Pd aku kalau dier berhutang sbb memenuhi keperlua  hidup mcm beli susu anak ke, brg dapur ke..boleh la dimaafkan. Tp kalau gaji ciput, buat pinjaman semata2 nk pakai iphone itu x bagus la kan.. sbb aku selalu jumpa org buat loan sbb nk sediakn kelengkapan sekolah anak..tp buat loan sbb nk pakai brg branded mmg x ptot la

airfilterkotor

abbyhoney replied at 16-2-2017 02:16 PM
"My comments :  With all due respect to the DBKL staff, what is so special about them that Ku Nan  ...

Cukai pintu yg dibayar kepada PBT tu datang dari poket sapa lagi kalau bukan dari orang yg duduk dibawah lingkungan jajahan pemerintahan kekuasaan PBT.

airfilterkotor

RED 666 replied at 16-2-2017 02:25 PM
Isap darah pelanggan pun sekurang2nya lagi kurang dr interest yg swasta tanggung

Lintah darat berlesen pun racist. Main pilih-pilih lak. Ini tidak adil.  

ronapink

gali lubang korek lubang..


pakai baju ukur badan, kata orang tua2..

tapi orang skrng pakai baju xukur badan, kecik ketat sendat..

camner tu