PTPTN goats and poor Bangladeshi women

I am still pissed during a goats who exclude to compensate their PTPTN loans. So we have to write an additional crappy story as well as force we people to read it.

As we have settled in my earlier articles, it is usually basic decency. You borrow money, we pay. It does not matter whether we have been bad or your girlfriend ran divided or we have been sodomised, we still have to compensate off what we borrowed. It is not your money. If we sealed a contract, then we must honour which stipulate lah. Kalau tidak, we have been no opposite from a cows - a cows additionally can additionally exclude to compensate their RM 250 million. we call them goats because a cows have been vital in a condo. Kambing saje yg tinggal, mengembek tak tentu hala as well as berak sepanjang jalan.

[BTW, my friend Walski69 summed up aptly by tweeting which Part of a PTPTN censure is which we have an complete era (plus an additional half maybe) grown up with a sense of entitlement]

Lembu duduk kat kodo, kambing pula naik moto

I consider many of a goats have realised which their warding off to compensate off a PTPTN loans perceived really little support. Only Brader Anwar is during a back of them (BTW, it is essentially utterly risky to have Brader stand during a back of you). Their warding off to compensate off loans had people whacking them left, right as well as centre.

So now they have altered their tune, now they wish giveaway education. "Pinjaman PTPTN membebankan, kami mahu pendidikan percuma", they say. "Kerajaan zalim, PTPTN tak ubah seperti Ah Long", they scream.

With a new storyline, a goats have got sympathizers. Many people consider it is a great thought to yield giveaway tertiary education. But is it really a great idea?

Let's ask ourselves a little questions.

1. Primary preparation in Malaysia is free. Secondary preparation in Malaysia is free. Tertiary preparation in open universities in Malaysia is 80% subsidized. So students essentially usually have to compensate about 20% of a tangible fees (as compared to students in private colleges as well as universities). Is 20% of a tangible fees of getting a degree as well most to pay?

2. Those who did not get a grant as well as cannot afford to compensate a 20%, have a choice of requesting for a PTPTN loan (or alternative loan schemes). Thousands of Malaysians have performed loans from PTPTN, got their diplomas or degrees as well as faithfully repaid their loans. Without a loan, many would not have gotten their degrees. With a loan, thousands have gotten a aloft education. How do we call a loan a burden when but it, we would not even have gotten your degree?

3. The nation is spending billions of ringgit upon tertiary preparation (including a provision of a PTPTN loans). But what about a 80% of Malaysians who not utterly have it to a universities. 80% of Malaysia's workforce usually has delegate education. It is a lot more formidable for them to find decent jobs compared to university graduates. Why should we pamper university graduates? Why should we be concerne! d whethe r they get decent jobs or otherwise? Why have been we ignoring a majority of people who don't have aloft education? Shouldn't we be focussing a efforts upon helping this organisation of Malaysians?

4. All over a world, students work their way by college. we have found which students who have worked while in college turn out to be better employees. They have been a lot more resourceful, street-wise as well as confident. It builds character. Should we encourage a students to work while in college? we did.

5. Even if a country had additional money, is further subsidizing tertiary preparation a best way to spend a money? Should we not deposit in mending a healthcare? Preventing crime? Improving open transport?

I leave we but answers because we have 3 stories to tell.

Story 1I was in Manchester in a midst 90's, we do my post-graduate research (don't worry, we was not regulating up Malaysian taxpayers income we had a partial grant from a University of Manchester as well as surfaced up with my savings). At which time, Malaysian under-graduate students upon supervision grant perceived a vital stipend of GBP 400 per month. Most of them complained as well as complained during what they termed as pittance. Everytime a supervision officer from Malaysia visited, a meagre stipend was a students' series a single complaint.

Enter HY. HY was a tyro from China, additionally we do his PhD under a same professor as we was. The Chinese supervision provided him with usually GBP 200 per month (for a PhD tyro which was usually half of what a undergraduates were getting). So we asked HY how he survived with usually GBP 200 per month. He told me which he usually spends GBP 100 a month. He sleeps in a sleeping bag in a post! grad stu dents' room. He lives off present noodles. No movies, no beer, no entertainment, no nothing. He was saving GBP 100 a month so which he could bring his mother as well as kid from Beijing to stay with him in Manchester. He saved for almost 3 years. By a time we finished, HY's mother as well as kid were already in Manchester as well as he got his PhD.

So what was it which a goats in Dataran Merdeka were saying?

During my undergrad days during UTM, scholarships as well as loans were hard to come by. A couple of got scholarships from JPA, a little got loans from assorted organizations, as well as many had nothing. Many had to quit median by their studies when their relatives could not afford it anymore. To have matters worse, when my collection graduated, Malaysian was experiencing a major recession. Jobs were really really formidable to come by. we got a pursuit as a research partner for RM 400 a month.

My friend, SB, took a loan from Perak State Government during his uni days. After he graduated, he was jobless for a couple of months prior to he got a pursuit as a technician with a starting income of RM 600 per month (he had a degree in Mechanical Engineering). Do we know what he did when he got his initial salary? He proudly done his initial monthly loan repayment. He did not go to Dataran Merdeka to whine. He did not go to beg to anyone to waive his loan. Despite his low salary, he did a right thing. He paid his loan. According to him, he would be broke if he did not finish profitable up his loans. we remember him observant which his father would probably reject him if he did not compensate his loan.

So what was it which a goats in Dataran Merdeka were saying?

Have we all he! ard abou t Muhammad Yunus as well as a Grammen Bank in Bangladesh?. Muhammad Yunus established a Grameen Bank in a 1980s. Grameen equates to village. Both Muhammad Yunus as well as Grameen Bank were awarded a Nobel Prize for Peace in 2006. Muhammad Yunus has additionally perceived countless alternative awards from so many countries for his efforts in eradicating misery in Bangladesh.

The Grameen bank provides micro-credit to a lowest of a bad in Bangladesh. The people have been so bad which no a single else will give them loans. Grameen Bank gives a loans but collateral. 95% of a borrowers have been women.

Do we how many percent of a borrowers default upon their loan repayments? Less than 2%. Only reduction than 2% of a borrowers (who have been really really bad people) fail to compensate off their monthy instalment. Because they know it is immoral not to compensate off a loans. Because they cannot face their neighbours or friends if they do not repay. Because they have pride. Because they have been honourable people.

So what was it which a goats in Dataran Merdeka were saying?

Monyet King says1. Read this book called "Banker to a Poor. It is a story of Muhammad Yunus as well as Grameen Bank. Beautiful. Or we can google Muhammad Yunus or Grameen bank.

2. Some friends told me which we should not call people goats. But what choice do we have?. The term "cow" has already been monopolised by a NFC clowns. we did not wish to offend a horses as well as camels. Goat was a usually name available. Jangan marah ye !

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