{"id":18414,"date":"2020-10-31T10:40:05","date_gmt":"2020-10-31T10:40:05","guid":{"rendered":"https:\/\/editormalaysia.com\/?p=18414"},"modified":"2020-10-31T10:40:05","modified_gmt":"2020-10-31T10:40:05","slug":"cadangan-keluar-rm10-ribu-bnm-boleh-bantu-kwsp","status":"publish","type":"post","link":"https:\/\/editormalaysia.com\/?p=18414","title":{"rendered":"CADANGAN KELUAR RM10 RIBU: BNM BOLEH BANTU KWSP"},"content":{"rendered":"

Ada yang bimbang bahawa KWSP akan tertekan dari segi aliran wang tunai jika kerajaan membenarkan pencarum mengeluarkan “one-off<\/em>” sehingga RM10 ribu daripada akaun 1.<\/span><\/p>\n

Apabila saya membuat saranan ini setelah ramai rakyat minta, saya juga pertimbangkan kemampuan KWSP dan kerajaan serta jumlah pencarum yang mungkin memerlukan skim ini.<\/span><\/p>\n

Seramai 4.57 juta pencarum telah diluluskan untuk Skim i-Lestari KWSP pakej prihatan kerajaan yang membenarkan pengeluaran bulanan daripada akaun 2 KWSP.<\/span><\/p>\n

Dalam tempoh 5 bulan dari April hingga Ogos 2020, jumlah pengeluaran i-Lestari adalah sebanyak RM7.48 bilion.<\/span><\/p>\n

Saya jangka jumlah pencarum yang mahu pengeluaran one-off<\/em> akaun 1 juga sekitar jumlah yang diluluskan skim i-Lestari.<\/span><\/p>\n

Maka;<\/span><\/p>\n

4.57 juta pencarum X RM10,000 = RM45.7 bilion.<\/span><\/em><\/p>\n

Itupun jika semua mahu atau layak untuk mengeluarkan sebanyak RM10,000. Ada yang mungkin mahu jumlah lebih kecil untuk keperluan terdesak.<\/span><\/p>\n

KWSP mengumumkan jumlah keuntungan bagi tiga bulan Suku ke-2 2020 ialah sebanyak RM15.12 bilion.<\/span><\/p>\n

KWSP juga mengumumkan jumlah aset dilabur mereka adalah sebanyak RM929.64 billion pada 30 Jun 2020 di mana 49.2 peratus pelaburan adalah dalam bentuk bon. <\/span>
\nRujuk; https:\/\/www.kwsp.gov.my\/-\/epf-records-rm15.12-billion-in-gross-investment-income-for-q2-2020<\/a><\/span><\/p>\n

Jika KWSP atau kerajaan bimbang dengan tekanan ke atas pasaran bon tempatan akibat pencairan bon sehingga nilai RM45.7 bilion dalam masa yang singkat untuk pembiayaan skim pengeluaran “one-off<\/em>” ini, Bank Negara Malaysia (BNM) boleh membantu sebab mereka dibenarkan untuk membeli bon dari pasaran tempatan jika diperlukan.<\/span><\/p>\n

“Bank Negara also buys bonds in the market if necessary – Zafrul<\/em>“<\/span>
\nRujuk; https:\/\/www.malaysiakini.com\/news\/541609<\/a><\/span><\/p>\n

Langkah BNM ini tidak berbahaya sebab Malaysia dan dunia kini dalam zaman inflasi negatif akibat ekonomi yang tertekan.<\/span><\/p>\n

KWSP juga boleh memilih untuk membayar pengeluaran “one-off<\/em>” ini secara bulanan dalam tempoh 3 bulan atau 6 bulan.<\/span><\/p>\n

Dan bila duit ini sampai kepada rakyat terdesak dan dibelanjakan, ekonomi tempatan juga dirancakkan.<\/span><\/p>\n

(Jangan guna duit ini untuk beli iPhone 12 pulak<\/em>)<\/span><\/p>\n

Ini zaman norma baharu. Sebab itu, norma baharu dan kaedah baharu juga diperlukan dalam pendekatan kerajaan untuk membantu rakyat serta merancakkan ekonomi.<\/span><\/p>\n

“Sukar untuk membenarkan” tidak bermaksud “mustahil untuk dilakukan”.\u00a0<\/span><\/strong><\/p>\n

Nak, seribu daya…<\/span><\/p>\n

Pada masa depan setelah ekonomi pulih apabila krisis Covid-19 berlalu, barulah kerajaan dan pencarum cari jalan untuk pulihkan simpanan usia tua kita di KWSP.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Ada yang bimbang bahawa KWSP akan tertekan dari segi aliran wang tunai jika kerajaan membenarkan pencarum mengeluarkan “one-off” sehingga RM10 ribu daripada akaun 1. Apabila saya membuat saranan ini setelah ramai rakyat minta, saya juga pertimbangkan kemampuan KWSP dan kerajaan serta jumlah pencarum yang mungkin memerlukan skim ini. Seramai 4.57 juta pencarum telah diluluskan untuk […]<\/p>\n","protected":false},"author":2,"featured_media":18416,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"jnews-multi-image_gallery":[],"jnews_single_post":{"source_name":"","source_url":"","via_name":"","via_url":"","override_template":"0","override":[{"template":"1","single_blog_custom":"","parallax":"1","fullscreen":"0","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":""},"jnews_primary_category":{"id":""},"jnews_override_bookmark_settings":[],"jnews_review":[],"enable_review":"","type":"","name":"","summary":"","brand":"","sku":"","good":[],"bad":[],"score_override":"","override_value":"","rating":[],"price":[],"jnews_override_counter":{"override_view_counter":"0","view_counter_number":"0","override_share_counter":"0","share_counter_number":"0","override_like_counter":"0","like_counter_number":"0","override_dislike_counter":"0","dislike_counter_number":"0"},"jnews_post_split":[],"footnotes":""},"categories":[119,212],"tags":[763,1676,253],"class_list":["post-18414","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-semasa","category-utama","tag-bnm","tag-kwsp","tag-najib"],"acf":[],"_links":{"self":[{"href":"https:\/\/editormalaysia.com\/index.php?rest_route=\/wp\/v2\/posts\/18414","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/editormalaysia.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/editormalaysia.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/editormalaysia.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/editormalaysia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=18414"}],"version-history":[{"count":2,"href":"https:\/\/editormalaysia.com\/index.php?rest_route=\/wp\/v2\/posts\/18414\/revisions"}],"predecessor-version":[{"id":18417,"href":"https:\/\/editormalaysia.com\/index.php?rest_route=\/wp\/v2\/posts\/18414\/revisions\/18417"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/editormalaysia.com\/index.php?rest_route=\/wp\/v2\/media\/18416"}],"wp:attachment":[{"href":"https:\/\/editormalaysia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=18414"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/editormalaysia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=18414"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/editormalaysia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=18414"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}