11 November 2025
Guardian-T 8x8 vehicle equipped with 105mm Gun (photo: Chaiseri)
Chaiseri has unveiled the Guardian-T 8x8, armed with a 105mm gun. This cavalry armored fighting vehicle uses the same drivetrain as the AWAV 8x8.
It features ballistic and mine protection developed from STANAG 4569 Level 2 to Level 4 armor plates.
The vehicle is equipped with a two-man, stable turret armed with a 105mm gun as its primary armament, a 7.62mm coaxial cannon, and four ATGMs (anti-tank guided missiles).
It also features an electro-optic sight, a day/thermal sight, and a laser rangefinder. The Guardian-T is Chaiseri's latest offering, an 8x8 wheeled armored vehicle based on the AWAV. It debuted at Defense & Security 2025 in Muang Thong Thani.
Kita jugak ada Pandur 105mm
BalasHapuskl takde haha!😜😜😜
Btr 80A marinir kita pulang kampung om pal... tugasnya hampir selama pembuatan kapal balon kuning malon yg nggak selesai2... wkkwkw
Hapus16 tahun sudah lama banget ranpur tsb bertugas
Hapusnyooiihhh BTR80A 8X8 pulang, diganti kirim PANDUR 8X8
HapusBeda ama panser seblah lebih lama tapi takde ongkos pulang haha!😜😜😜
NGAMUK🔥, makin sering SHOPPING KITA haha!🤑🤗🤑
BalasHapusINCOMING BRAND NEW ASET PREMIUM KITA haha!👍🤑👍
✅️OPV 98M
✅️2 FACM TAIS TURKIYEM
✅️KRI BELATI HIBRID ATMACA
✅️PPA
✅️AH140 FMP
✅️1 FACM PALINDO MARINE
✅️KSR 33M PT LUNDIN NSM
lah seblah,
✅️GOWING LCS 14 TAHUN
✅️LeMeS ADA Versi DONGRED⬇️ haha!😝😝😝
mana SPH manaaa Yavuz Pembual
BalasHapusmana heli BLEKHOK SEWA
mana LPD mana MRSS pembual, ditunggu koryo, rrc, itali, belande, kite
mana MRCA mana TAIFUN, RAFALE PEMBUAL..haha!🤥😆🤥
LAST LAST kita sikat RAFALE uda 3 selesai siyap kirim haha!🧞♂️😉🧞♂️
Biasa om pal
HapusLast2 CANCEL.
Laah... Kan Malondesh sudah punya semua yang @ompal sebut.
HapusBROSUR nya
🤣🤣🤣🤣
nyoiihhh tukang kumpul brosur, klaim shopping..
HapusParahhh warganyet kl haha!🤣😵💫🤣
https://youtu.be/LsXfcZkzt_4?si=BBwX2sNeV9QXs_qp
BalasHapusAnwar mencoba mendekati Xi Jinping diusir, Xi Jinping memilih menghampiri prabowo
Bikin malu ASEAN, Tumpuan dunia konon , dunia satwa weiiii 🤣🤣🤣🤣
Xi jimping tau, kalau Anwar itu suka main belakang. Sodomi !!!
HapusKarakter beruk malondesh
FAKTANYA = JUARA MISKIN......
BalasHapusHOUSEHOLD PERINGKAT NOMOR 2
RASIO HUTANG PERINGKAT NOMOR 3
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
---------------
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
---------------
DATA STATISTA 2029-2020 : DEBT PAY DEBT
DATA STATISTA 2029-2020 : OVERLIMIT DEBT
2029 = 69,54% DEBT RATIO TO GDP
2028 = 69,34% DEBT RATIO TO GDP
2027 = 68,8% DEBT RATIO TO GDP
2026 = 68,17% DEBT RATIO TO GDP
2025 = 68,07% DEBT RATIO TO GDP
2024 = 68,38% DEBT RATIO TO GDP
2023 = 69,76% DEBT RATIO TO GDP
2022 = 65,5% DEBT RATIO TO GDP
2021 = 69,16% DEBT RATIO TO GDP
2020 = 67,69% DEBT RATIO TO GDP
==========
DEBT 2024 = RM 1.63 TRILLION
DEBT 2023 = RM 1,53 TRILLION
DEBT 2022 = RM 1,45 TRILLION
DEBT 2021 = RM 1,38 TRILLION
DEBT 2020 = RM 1,32 TRILLION
DEBT 2019 = RM 1,25 TRILLION
DEBT 2018 = RM 1,19 TRILLION
The Finance Ministry stated that the aggregate national household DEBT stood at RM1.53 trillion between 2018 and 2023. In aggregate, it said the household DEBT for 2022 was RM1.45 trillion, followed by RM1.38 trillion (2021,) RM1.32 trillion (2020), RM1.25 trillion (2019) and RM1.19 trillion (2018). “The ratio of household DEBT to gross domestic product (GDP) at the end of 2023 also slightly increased to 84.3% compared with 82% in 2018,” it said.
==========
BNM = HOUSEHOLD DEBT IS ONE OF THE HIGHEST IN THE ASEAN ......
MAID OF LONDON (MALON) household DEBT is one of the highest in the ASEAN region. Against this backdrop, Bank Negara MAID OF LONDON (MALON) (BNM) safeguards financial stability by monitoring and regulating the lending activity of all financial institutions in MAID OF LONDON (MALON) , among other things. Using aggregated data from BNM's Central Credit Reference Information System (CCRIS), this dashboard gives you insight into key trends on household DEBT. For now, it displays data on the flow of borrowing activity on a monthly basis, broken down by purpose. In due time, it will be deepened with granular data showing the state of inDEBTedness of MAID OF LONDON (MALON)
===========
17 KREDITUR LCS = Besides MTU Services, others include Contraves Sdn Bhd, Axima Concept SA, Contraves Advanced Devices Sdn Bhd, Contraves Electrodynamics Sdn Bhd and Tyco Fire, Security & Services MAID OF LONDON (MALON) Sdn Bhd, as well as iXblue SAS, iXblue Sdn Bhd and Protank Mission Systems Sdn Bhd. Also included are Bank Pembangunan MAID OF LONDON (MALON) Bhd, AmBank Islamic Bhd, AmBank (M) Bhd, MTU Services, Affin Hwang Investment Bank Bhd, Bank Muamalat MAID OF LONDON (MALON) Bhd, Affin Bank Bhd, Bank Kerjasama Rakyat MAID OF LONDON (MALON) Bhd, Malayan Banking Bhd (Maybank) and KUWAIT FINANCE HOUSE (MAID OF LONDON (MALON) ) BHD.
KOH JINPING TAKUT JADI SASARAN BERIKUTNYA PMX MALONDESH....MAKLUM PMX AHLI LGBT AKA HOMO 😂😂😂😂😂
BalasHapushttps://youtu.be/w_YhZsSx7cI?si=svBW_aQgWJ_WTcQS
BalasHapusJendral Thailand sebut Malaysia Musuh dalam selimut
Malaydesh Sampai di gelar musuh dalam selimut ASEAN oleh Thailand
Lalu membual tepuk dada tumpuan dunia 🤣🤣🤣🤣🤣🤣
https://youtu.be/w_YhZsSx7cI?si=svBW_aQgWJ_WTcQS
BalasHapusJendral Thailand sebut Malaysia Musuh dalam selimut
Kamboja dan thailand yang damai, lalu Anwar yg membual tumpuan dunia 🤣🤣🤣🤣
FAKTANYA = JUARA MISKIN......
BalasHapusHOUSEHOLD PERINGKAT NOMOR 2
RASIO HUTANG PERINGKAT NOMOR 3
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
---------------
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
---------------
DATA STATISTA 2029-2020 : DEBT PAY DEBT
DATA STATISTA 2029-2020 : OVERLIMIT DEBT
2029 = 69,54% DEBT RATIO TO GDP
2028 = 69,34% DEBT RATIO TO GDP
2027 = 68,8% DEBT RATIO TO GDP
2026 = 68,17% DEBT RATIO TO GDP
2025 = 68,07% DEBT RATIO TO GDP
2024 = 68,38% DEBT RATIO TO GDP
2023 = 69,76% DEBT RATIO TO GDP
2022 = 65,5% DEBT RATIO TO GDP
2021 = 69,16% DEBT RATIO TO GDP
2020 = 67,69% DEBT RATIO TO GDP
==========
DEBT 2024 = RM 1.63 TRILLION
DEBT 2023 = RM 1,53 TRILLION
DEBT 2022 = RM 1,45 TRILLION
DEBT 2021 = RM 1,38 TRILLION
DEBT 2020 = RM 1,32 TRILLION
DEBT 2019 = RM 1,25 TRILLION
DEBT 2018 = RM 1,19 TRILLION
The Finance Ministry stated that the aggregate national household DEBT stood at RM1.53 trillion between 2018 and 2023. In aggregate, it said the household DEBT for 2022 was RM1.45 trillion, followed by RM1.38 trillion (2021,) RM1.32 trillion (2020), RM1.25 trillion (2019) and RM1.19 trillion (2018). “The ratio of household DEBT to gross domestic product (GDP) at the end of 2023 also slightly increased to 84.3% compared with 82% in 2018,” it said.
==========
BNM = HOUSEHOLD DEBT IS ONE OF THE HIGHEST IN THE ASEAN ......
MAID OF LONDON (MALON) household DEBT is one of the highest in the ASEAN region. Against this backdrop, Bank Negara MAID OF LONDON (MALON) (BNM) safeguards financial stability by monitoring and regulating the lending activity of all financial institutions in MAID OF LONDON (MALON) , among other things. Using aggregated data from BNM's Central Credit Reference Information System (CCRIS), this dashboard gives you insight into key trends on household DEBT. For now, it displays data on the flow of borrowing activity on a monthly basis, broken down by purpose. In due time, it will be deepened with granular data showing the state of inDEBTedness of MAID OF LONDON (MALON)
===========
17 KREDITUR LCS = Besides MTU Services, others include Contraves Sdn Bhd, Axima Concept SA, Contraves Advanced Devices Sdn Bhd, Contraves Electrodynamics Sdn Bhd and Tyco Fire, Security & Services MAID OF LONDON (MALON) Sdn Bhd, as well as iXblue SAS, iXblue Sdn Bhd and Protank Mission Systems Sdn Bhd. Also included are Bank Pembangunan MAID OF LONDON (MALON) Bhd, AmBank Islamic Bhd, AmBank (M) Bhd, MTU Services, Affin Hwang Investment Bank Bhd, Bank Muamalat MAID OF LONDON (MALON) Bhd, Affin Bank Bhd, Bank Kerjasama Rakyat MAID OF LONDON (MALON) Bhd, Malayan Banking Bhd (Maybank) and KUWAIT FINANCE HOUSE (MAID OF LONDON (MALON) ) BHD.
Pakai turret apa yah?
BalasHapusMungkin ada baiknya kita lirik kerja sama inter ASEAN buat kendaraan tempur.
Paling punya KOKO JIN PING
HapusMalon tolol
BalasHapushttps://www.google.com/url?sa=t&source=web&rct=j&opi=89978449&url=https://companiesmarketcap.com/semiconductors/largest-semiconductor-companies-by-market-cap/&ved=2ahUKEwicgtbflemQAxWmwzgGHZpMHHAQFnoECEQQAQ&usg=AOvVaw2tCPeSlED5j5NxfzMO1xza
BalasHapusKATA ANAK LONT JADI-JADIAN.. UNKNOWN.. MALAYSEWA🇲🇾 TOP INDUSTRI MICROCHIP TERBAIK DUNIA.
FACT TAK ADA SATU PUN DARI MALAYSEWA🇲🇾
Biggest rare earth industry
BalasHapushttps://www.google.com/url?sa=t&source=web&rct=j&opi=89978449&url=https://www.ndmagnets.com/top-rare-earth-magnet-manufacturers-in-the-world/&ved=2ahUKEwiuxYCPlumQAxXsR2wGHRSOHu8QFnoECE8QAQ&sqi=2&usg=AOvVaw0rqpJSJEgT5B1EwSX4nyRS
Tak ada dari MALAYSEWA🇲🇾
https://www.facebook.com/groups/411058114591514/permalink/883412417356079/
BalasHapusPENYEBAB RUWETNYA LPD BATCH 2 PHINOY.
SALAH PHINOY SENDIRI✅
Pemerintah PHINOY n PHINOY NAVY ENJOY ✅
YANG NGAMOK NYETIZEN PHINOY N MALAYSEWA🇲🇾
TAPI ENJOY.. PAL NGOMONG 2026 SELESAI
https://www.facebook.com/groups/411058114591514/permalink/883412417356079/
BalasHapusPENYEBAB RUWETNYA LPD BATCH 2 PHINOY.
SALAH PHINOY SENDIRI✅
Pemerintah PHINOY n PHINOY NAVY ENJOY ✅
YANG NGAMOK NYETIZEN PHINOY N MALAYSEWA🇲🇾
TAPI ENJOY.. PAL NGOMONG 2026 SELESAI
https://www.facebook.com/groups/411058114591514/permalink/883412417356079/
BalasHapusPENYEBAB RUWETNYA LPD BATCH 2 PHINOY.
SALAH PHINOY SENDIRI✅
Pemerintah PHINOY n PHINOY NAVY ENJOY ✅
YANG NGAMOK NYETIZEN PHINOY N MALAYSEWA🇲🇾
TAPI ENJOY.. PAL NGOMONG 2026 SELESAI
Yang hutang kapal tua bangka bekas USCG itu negara mana ya
BalasHapus🇲🇾 ini bukan ya
FAKTANYA = JUARA MISKIN......
BalasHapusHOUSEHOLD PERINGKAT NOMOR 2
RASIO HUTANG PERINGKAT NOMOR 3
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
---------------
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
---------------
DATA STATISTA 2029-2020 : DEBT PAY DEBT
DATA STATISTA 2029-2020 : OVERLIMIT DEBT
2029 = 69,54% DEBT RATIO TO GDP
2028 = 69,34% DEBT RATIO TO GDP
2027 = 68,8% DEBT RATIO TO GDP
2026 = 68,17% DEBT RATIO TO GDP
2025 = 68,07% DEBT RATIO TO GDP
2024 = 68,38% DEBT RATIO TO GDP
2023 = 69,76% DEBT RATIO TO GDP
2022 = 65,5% DEBT RATIO TO GDP
2021 = 69,16% DEBT RATIO TO GDP
2020 = 67,69% DEBT RATIO TO GDP
==========
DEBT 2024 = RM 1.63 TRILLION
DEBT 2023 = RM 1,53 TRILLION
DEBT 2022 = RM 1,45 TRILLION
DEBT 2021 = RM 1,38 TRILLION
DEBT 2020 = RM 1,32 TRILLION
DEBT 2019 = RM 1,25 TRILLION
DEBT 2018 = RM 1,19 TRILLION
The Finance Ministry stated that the aggregate national household DEBT stood at RM1.53 trillion between 2018 and 2023. In aggregate, it said the household DEBT for 2022 was RM1.45 trillion, followed by RM1.38 trillion (2021,) RM1.32 trillion (2020), RM1.25 trillion (2019) and RM1.19 trillion (2018). “The ratio of household DEBT to gross domestic product (GDP) at the end of 2023 also slightly increased to 84.3% compared with 82% in 2018,” it said.
==========
BNM = HOUSEHOLD DEBT IS ONE OF THE HIGHEST IN THE ASEAN ......
MAID OF LONDON (MALON) household DEBT is one of the highest in the ASEAN region. Against this backdrop, Bank Negara MAID OF LONDON (MALON) (BNM) safeguards financial stability by monitoring and regulating the lending activity of all financial institutions in MAID OF LONDON (MALON) , among other things. Using aggregated data from BNM's Central Credit Reference Information System (CCRIS), this dashboard gives you insight into key trends on household DEBT. For now, it displays data on the flow of borrowing activity on a monthly basis, broken down by purpose. In due time, it will be deepened with granular data showing the state of inDEBTedness of MAID OF LONDON (MALON)
===========
17 KREDITUR LCS = Besides MTU Services, others include Contraves Sdn Bhd, Axima Concept SA, Contraves Advanced Devices Sdn Bhd, Contraves Electrodynamics Sdn Bhd and Tyco Fire, Security & Services MAID OF LONDON (MALON) Sdn Bhd, as well as iXblue SAS, iXblue Sdn Bhd and Protank Mission Systems Sdn Bhd. Also included are Bank Pembangunan MAID OF LONDON (MALON) Bhd, AmBank Islamic Bhd, AmBank (M) Bhd, MTU Services, Affin Hwang Investment Bank Bhd, Bank Muamalat MAID OF LONDON (MALON) Bhd, Affin Bank Bhd, Bank Kerjasama Rakyat MAID OF LONDON (MALON) Bhd, Malayan Banking Bhd (Maybank) and KUWAIT FINANCE HOUSE (MAID OF LONDON (MALON) ) BHD.
Semua tahu IQ sebelah di BAWAH MALAYSIA... Menterinya sendiri mengakuinya.... 🤣🤣🤣
BalasHapusIQ Warga RI Tertinggal dari Malaysia, Zulhas: Makanya Kita Kasih MBG
https://www.cnbcindonesia.com/news/20251111132343-4-684217/iq-warga-ri-tertinggal-dari-malaysia-zulhas-makanya-kita-kasih-mbg
Sebab tu mental mereka mudah koyak..baru usik sikit dgn fakta dari page mereka sendiri. 🤪🤪🤪
HapusDua orang bodoh dan tolol gempur dan unknown lagi menghibur diri.. 🤣🤣
HapusJangan ngaku IQ tinggi kalau hanya digunakan buat kondom unisex
BalasHapusKeadaan INDIANESIA sekarang... 🔥🔥🤣🤣🤣
BalasHapusRekor Terburuk! 1 Ringgit Malaysia Kini Setara Rp 4.000
https://www.cnbcindonesia.com/research/20251111094953-128-684112/rekor-terburuk-1-ringgit-malaysia-kini-setara-rp-4000
IQ tinggi itu kalau bisa dipakai buat kapal, pesawat, ksot, drone dll. Ini bikin kapal aja 15 thn. Tolol tingkat dewa
BalasHapusKeadaan INDIANESIA sekarang... 🔥🔥🤣🤣🤣
BalasHapusRekor Terburuk! 1 Ringgit Malaysia Kini Setara Rp 4.000
https://www.cnbcindonesia.com/research/20251111094953-128-684112/rekor-terburuk-1-ringgit-malaysia-kini-setara-rp-4000
IQ tolol sok2an bicara ekonomi. IQ tolol itu bicara kondom aja. Jgn jauh dari selangkangan.
BalasHapusBisa kagak bikin kapal ? 15 thn kok belum selesai2 satupun. IQ tolol tingkat dewa
BalasHapus
BalasHapusIni Data nilai RUPIAH terkini terhadap RINGGIT makin HANCUR guys... 🤣🤣🤣
1.00 Malaysian Ringgit =
4,035.9351 Indonesian Rupiah
Jangan ngaku kaya kalau gak masuk G20 dan masih ditolak masuk brics 😁😁😁😁😁
BalasHapus1 RINGGIT SETARA Rp 4.035 RUPIAH..... 🔥🔥🤣🤣🤣
BalasHapusPunya raja doyan kawin. Pantes aja rakyatnya jago buat kondom
BalasHapusWaduhhh mas...berita ini bakal menyedih kan indon si konoha kerana mereka gak punya 8x8 buatan dalam negeri..😂😂😂
BalasHapusEh punya OM LGBT. Makin ancur dah malaydesh
BalasHapusIni Data nilai RUPIAH terkini terhadap RINGGIT makin HANCUR guys... 🤣🤣🤣
BalasHapus1 Malaysian Ringgit setara
4,035.9351 Indonesian Rupiah
https://www.xe.com/currencyconverter/convert/?Amount=1&From=MYR&To=IDR
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) face several challenges in research and development (R&D), including a lack of funding, limited local capabilities, and a lack of strategic partnerships.
Lack of funding
There is a lack of funding to generate innovation in the local defense industry
The defense industry faces tight budgets and uncertain timelines
Limited local capabilities
Local companies lack the capabilities and capacities to develop and produce military products
There is a reluctance from Original Equipment Manufacturers (OEMs) to share their techNOLogy
Lack of strategic partnerships
There is a lack of strategic relationships between local companies and foreign partners
There is a lack of clear guidance from the government for the future strategic direction of the defense industry
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) face several challenges in research and development (R&D), including a lack of funding, limited local capabilities, and a lack of strategic partnerships.
Lack of funding
There is a lack of funding to generate innovation in the local defense industry
The defense industry faces tight budgets and uncertain timelines
Limited local capabilities
Local companies lack the capabilities and capacities to develop and produce military products
There is a reluctance from Original Equipment Manufacturers (OEMs) to share their techNOLogy
Lack of strategic partnerships
There is a lack of strategic relationships between local companies and foreign partners
There is a lack of clear guidance from the government for the future strategic direction of the defense industry
Ini Data nilai RUPIAH terkini terhadap RINGGIT makin HANCUR guys... 🤣🤣🤣
BalasHapus1 Malaysian Ringgit setara
4,035.9351 Indonesian Rupiah
https://www.xe.com/currencyconverter/convert/?Amount=1&From=MYR&To=IDR
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) has many outdated assets, including ships, helicopters, and spare parts. The MAF has acknowledged the need to replace these assets.
Ships
• The Royal MAID OF LONDON (MALON) Navy's (RMN) Fast Attack Craft (FAC) is over 50 years old
• The RMN has many vessels that are past their optimal lifespan
• The RMN's age limit for submarines is 35 years, and 30 years for frigates, corvettes, and other ships
• The RMN's smaller vessels, like fast patrol boats, have an age limit of 24 years
Helicopters
• Some helicopters in the MAF were commissioned in the 1960s
Spare parts
• The MAF has lost money due to spare parts that are no longer compatible with its fleet
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) face a number of equipment challenges, including:
Aging aircraft
The RMAF's main fighter fleet includes the Su-30MKMs and Boeing F/A-18 Hornets, which are becoming technologically obsolete. Maintaining a large fleet of aging aircraft can be expensive.
Limited defense budget
The government's defense modernization budget is limited, making it difficult to afford new equipment.
Local content
Most MAF equipment is sourced from outside the country, and there is a lack of research and development (R&D) activities.
Local company capabilities
Local companies may not have the necessary capabilities to produce the equipment the MAF needs.
OEM reluctance
Original equipment manufacturers (OEMs) may be reluctant to share their technology for fear of competition.
Defense infrastructure
The condition of some military living quarters and defense infrastructure is poor
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) face a number of equipment challenges, including:
Aging aircraft
The RMAF's main fighter fleet includes the Su-30MKMs and Boeing F/A-18 Hornets, which are becoming technologically obsolete. Maintaining a large fleet of aging aircraft can be expensive.
Limited defense budget
The government's defense modernization budget is limited, making it difficult to afford new equipment.
Local content
Most MAF equipment is sourced from outside the country, and there is a lack of research and development (R&D) activities.
Local company capabilities
Local companies may not have the necessary capabilities to produce the equipment the MAF needs.
OEM reluctance
Original equipment manufacturers (OEMs) may be reluctant to share their technology for fear of competition.
Defense infrastructure
The condition of some military living quarters and defense infrastructure is poor
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
MAID OF LONDON (MALON) armed forces face challenges due to limited funding, which has led to an aging equipment inventory and gaps in military capability.
Limited funding
Small procurement budgets
The military budget has remained small as a percentage of GDP, and governments have been unwilling to cut spending elsewhere
Postponed purchases
The global financial crisis has forced the MAID OF LONDON (MALON) Armed Forces (MAF) to postpone large purchases
Aging equipment
Outdated inventory
The MAF's equipment is aging due to small procurement budgets and a lack of investment in maintenance and repair
Withdrawal of aircraft
The MAF withdrew its MiG-29 Fulcrum fighter aircraft in 2017, and is struggling to keep its Su-30MKM Flanker fighter operational
Other challenges
Procurement system: The procurement system needs reform, and there are delays in the delivery of new equipment
Corruption: There are weaknesses in anti-corruption standards and reporting, and political connections can influence promotion decisions
Oversight: There is little effective oversight of the defense sector
GORILLA PANIK Rupiah Makin Tak Berharga dan KALAH dari RINGGIT... 🤣🤣🤣
BalasHapusMELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
MAID OF LONDON (MALON) 's armed forces have been underfunded for some time, due to a lack of political will to increase defense spending. This has limited the country's ability to modernize and respond to threats.
Causes of underfunding
• Government spending
MAID OF LONDON (MALON) governments have been reluctant to cut spending in other areas to fund defense
• Size of armed forces
Governments have been unwilling to reduce the size of the armed forces by cutting manpower and equipment
• Corruption
Corruption risks remain significant in MAID OF LONDON (MALON) 's defense governance architecture
Effects of underfunding
• Limited procurement: The navy and air force have struggled to procure new assets to modernize
• Outdated equipment: The MAF has outdated logistics equipment
• Limited ability to respond to threats: The MAF has been unable to improve its fighting capacity to deal with external threats
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________MAID OF LONDON (MALON) 's armed forces have been underfunded for years due to fiscal constraints and a lack of political will to invest in defense. This has limited the country's ability to modernize its military and respond to threats.
Factors contributing to underfunding
• Budget allocations: The defense budget has remained stagnant over the past five years.
• Government priorities: The government has focused on stabilizing the economy and political climate instead of defense.
• Corruption: Corruption risks are high in the defense governance architecture, including procurement and personnel ethics.
Impacts of underfunding
• Limited procurement: The navy and air force have struggled to purchase new assets.
• Aging fleet: The navy has an aging fleet of ships that need to be replaced.
• Limited ability to respond to threats: The armed forces are unable to fully respond to threats such as those from extremist and separatist groups in the region. F.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) has faced issues with spare parts for its assets, including a lack of budget, underperforming contractors, and outdated pricing.
Budget
• The MAF has faced budget constraints that affect the serviceability of its assets.
• The government's revenue has been affected by reduced commodity prices, which has reduced the funds available for defense procurement.
Outsourcing
• The MAF has outsourced the supply of spare parts and maintenance of its assets, but this has led to issues.
• Underperforming contractors and a lack of enforcement of contract terms have impacted the effectiveness of outsourcing.
• The process of awarding contracts can be lengthy, which can lead to outdated pricing.
Spare parts for specific assets
• The MAF's PT-91M tanks have faced issues with spare parts, as the supplier of some components is no longer in production.
• The MAF has also faced issues with Russian-produced fighter aircraft, including problems with the supply of spare parts.
Other issues
• The MAF has also faced issues with undertraining of staff, and the lack of clear guidance for the future strategic direction of the defense industry
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________The Royal MAID OF LONDON (MALON) Air Force (RMAF) faces a number of issues with its aircraft, including fleet maintenance, the age of its aircraft, and the need for a multi-role combat aircraft.
Fleet maintenance
The RMAF has fleet sustainment problems due to its aging aircraft fleet.
The RMAF's logistics equipment quality has been criticized.
The RMAF has had issues with the reliability of its fleet, which has forced it to cut schedules.
Age of aircraft
The RMAF's main fighter fleet includes the Su-30MKMs and Boeing F/A-18 Hornets.
The RMAF's aircraft are aging, which can make them more difficult and expensive to maintain.
Need for a multi-role combat aircraft
The RMAF has stated that it needs a multi-role combat aircraft, but the government's defense budget is limited.
The RMAF has been discussing acquiring second-hand Kuwaiti F/A-18s, but no formal negotiations have taken place.
Other issues
The RMAF has faced issues with the quality of its logistics equipment.
The RMAF has been wary of Russian-made weapons due to sanctions imposed on Russia after its invasion of Ukraine.
Malaysia = AV8 Gempita
BalasHapusSingapore = Terrex
Thailand = AWAV, Black Widow & Guardian T
Indon??!!
Indon??!!
GAK ADA !!!! WAKAKAKAKA
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________The Sukhoi Su-30MKM has some weaknesses, including engine problems, integration with Western systems, and fatigue failure.
Engine problems
• In 2018, MAID OF LONDON (MALON) grounded 14 out of 18 Su-30MKM aircraft due to engine problems and a lack of spare parts.
• The AL-31FP engine in the Su-30MKA has experienced numerous failures, including bearing failures due to metal fatigue and low oil pressure.
Integration with Western systems
• The Su-30MKM's Russian origin may limit its integration with Western systems.
• This could make it difficult to fully integrate with NATO standards, such as Link 16, which is important for modern network-centric warfare.
Fatigue failure
• Aircraft structures and components are prone to fatigue failure due to fluctuating stress.
• Fatigue failure is a gradual form of local damage that can lead to defects or cracks.
Other considerations
• The Su-30MKM is a larger aircraft, which means it may be seen earlier by radar and visual combat.
.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________The Sukhoi Su-30MKM has some weaknesses, including engine problems, integration with Western systems, and fatigue failure.
Engine problems
• In 2018, MAID OF LONDON (MALON) grounded 14 out of 18 Su-30MKM aircraft due to engine problems and a lack of spare parts.
• The AL-31FP engine in the Su-30MKA has experienced numerous failures, including bearing failures due to metal fatigue and low oil pressure.
Integration with Western systems
• The Su-30MKM's Russian origin may limit its integration with Western systems.
• This could make it difficult to fully integrate with NATO standards, such as Link 16, which is important for modern network-centric warfare.
Fatigue failure
• Aircraft structures and components are prone to fatigue failure due to fluctuating stress.
• Fatigue failure is a gradual form of local damage that can lead to defects or cracks.
Other considerations
• The Su-30MKM is a larger aircraft, which means it may be seen earlier by radar and visual combat.
.
HapusMELARAT = HOUSEHOLD DEBT NO. 2 ASIA
MISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The The MAID OF LONDON (MALON) Armed Forces (MAF) face a number of challenges, including:
Limited funding: The government has been unwilling to reduce spending elsewhere or cut the size of the armed forces.
Outdated equipment: The MAF's equipment is outdated and behind that of neighboring countries.
Logistics problems: The MAF's logistics system may not be able to support combat operations.
Political interference: Political interference and corruption may undermine the MAF's combat readiness.
Lack of government guidance: The government may not have a clear strategic direction for the defense industry. MAID OF LONDON (MALON) Armed Forces (MAF) face a number of challenges, including:
Limited funding: The government has been unwilling to reduce spending elsewhere or cut the size of the armed forces.
Outdated equipment: The MAF's equipment is outdated and behind that of neighboring countries.
Logistics problems: The MAF's logistics system may not be able to support combat operations.
Political interference: Political interference and corruption may undermine the MAF's combat readiness.
Lack of government guidance: The government may not have a clear strategic direction for the defense industry.
HapusMELARAT = HOUSEHOLD DEBT NO. 2 ASIA
MISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The The MAID OF LONDON (MALON) Armed Forces (MAF) face a number of challenges, including:
Limited funding: The government has been unwilling to reduce spending elsewhere or cut the size of the armed forces.
Outdated equipment: The MAF's equipment is outdated and behind that of neighboring countries.
Logistics problems: The MAF's logistics system may not be able to support combat operations.
Political interference: Political interference and corruption may undermine the MAF's combat readiness.
Lack of government guidance: The government may not have a clear strategic direction for the defense industry. MAID OF LONDON (MALON) Armed Forces (MAF) face a number of challenges, including:
Limited funding: The government has been unwilling to reduce spending elsewhere or cut the size of the armed forces.
Outdated equipment: The MAF's equipment is outdated and behind that of neighboring countries.
Logistics problems: The MAF's logistics system may not be able to support combat operations.
Political interference: Political interference and corruption may undermine the MAF's combat readiness.
Lack of government guidance: The government may not have a clear strategic direction for the defense industry.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________The Royal MAID OF LONDON (MALON) Navy (RMN) has faced several problems, including delayed replacements for its aging fleet and a failed Littoral Combat Ship (LCS) program. These issues have made it difficult for the RMN to patrol its vast maritime domain.
Delayed replacements
• A government audit found that the RMN's plans to replace its aging fleet have mangkrak due to mismanagement.
• The RMN has only received four of its planned 18 new vessels.
• Over half of the RMN's fleet is past its prime.
Failed LCS program
• The LCS was not suitable for fighting peer competitors like China.
• The LCS lacked the lethality and survivability needed in a high-end fight.
• The LCS had low endurance and lacked significant air and surface warfare capabilities
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The MAID OF LONDON (MALON) army has several weaknesses, including:
• Limited defense budgeting: The MAID OF LONDON (MALON) government has been unwilling to fund defense by cutting other government spending or reducing the size of the armed forces.
• Outdated equipment: Most of the MAID OF LONDON (MALON) Army's equipment was purchased between the 1970s and 1990s, and the government is unable to provide modern equipment.
• Corruption: The MAID OF LONDON (MALON) military has been plagued by corruption.
• Political interference: Political leaders have interfered in procurement.
• Lack of authority: The armed forces are generally given authority to assist relevant authorities, such as the police, in dealing with non-traditional security challenges.
• Low ranking in military capability: According to the Lowy Institute Asia Power Index, MAID OF LONDON (MALON) ranks 16th in military capability in Southeast Asia.
Other challenges include:
• The need to replace the Nuri helicopter fleet, which has seen 14 crashes with many fatalities
• The need for the Navy and Maritime Enforcement Agency to patrol the country's maritime expanse to combat piracy, human trafficking, and smuggling
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
MAID OF LONDON (MALON) has faced several crises, including political, financial, and economic crises:
• Political crisis
From 2020–2022, MAID OF LONDON (MALON) experienced a political crisis that led to the resignation of two Prime Ministers and the collapse of two coalition governments. The crisis was caused by political infighting, party switching, and the refusal of Prime Minister Mahathir Mohamad to transition power to Anwar Ibrahim. The crisis ended in 2022 with a snap general election and the formation of a coalition government.
• Financial crisis
MAID OF LONDON (MALON) experienced a financial crisis when the country's economic fundamentals appeared strong, but the crisis came suddenly. The government's initial response was to increase interest rates and tighten fiscal policy, but this was not enough to correct the external imbalances.
• Economic crisis
MAID OF LONDON (MALON) 's economy has faced challenges due to weak global demand and a dependence on exports. In 2020, MAID OF LONDON (MALON) 's economy shrank by the most since the Asian crisis. In 2023, weak global demand for electronics and a decline in energy prices weighed on the economy.
• Household DEBT crisis
As of the end of 2023, MAID OF LONDON (MALON) 's household DEBT-to-GDP ratio was 84.3%, with household DEBT reaching RM1.53 trillion
MAID OF LONDON (MALON) has faced several rice crises in the past, including in 1973–1975, the 1980s, 1997–1998, 2008, and 2023. These crises are often caused by price hikes, which are driven by supply and demand, as well as market player behavior
Ada sebuah negara tu kan, konoha namanya...claim memiliki industri terbaik dunia tapi masih gak mampu bina 8x8 wakakaka
BalasHapusKesian GORILLA bro.... Mereka makin TERSAKITI... 🔥🔥🤣🤣
HapusHahaha...itu la..aku baru perasan mereka takde 8x8..pt pantat yg nk runtuh tu pun rupanya tak boleh bina 8x8 lg..bina rantis copy hilux (maung) pun rugi dan gagal. 🤣🤣
HapusHahaha...itu la..aku baru perasan mereka takde 8x8..pt pantat yg nk runtuh tu pun rupanya tak boleh bina 8x8 lg..bina rantis copy hilux (maung) pun rugi dan gagal. 🤣🤣
HapusMELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________WEAKNESS SKILL
The Maid of london (MALON) n Armed Forces (MAF), or Angkatan Tentera Maid of london (MALON) (ATM), comprises the Maid of london (MALON) n Army (TDM), Royal Maid of london (MALON) n Navy (TLDM), and Royal Maid of london (MALON) n Air Force (TUDM). While it has made significant strides in modernization and regional cooperation, there are still certain weaknesses in skill and capability areas that have been noted in defense analyses and reports.
Key Weaknesses in Skill and Capability
1. Limited Joint Operations Capability
• There is room for improvement in integrated operations across the Army, Navy, and Air Force.
• Joint command and control structures are not always fully optimized, affecting inter-branch coordination during complex missions or exercises.
2. Cyber Warfare and Electronic Warfare (EW) Skills
• ATM still lags behind major powers and some regional neighbors in developing advanced cyber defense and electronic warfare capabilities.
• Skilled personnel in these fields are limited, and training programs are still developing.
3. Technical and Engineering Expertise
• Insufficient numbers of highly trained technical experts to operate and maintain advanced systems like submarines, fighter jets, and modern radar systems.
• Heavy reliance on foreign contractors for high-tech maintenance.
4. Language and Communication Barriers
• English proficiency, essential for interoperability with allies and use of foreign military equipment, varies widely across units and ranks.
• Can affect participation in international training and joint missions.
5. Limited Experience in Large-Scale Combat
• The MAF has more experience in counter-insurgency and peacekeeping, but lacks large-scale warfighting experience or high-tempo operations involving modern combined arms tactics.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________WEAKNESS SHIPYARDS
Maid of london (MALON) n shipyards—especially Boustead Naval Shipyard (BNS) and its predecessors—have faced notable challenges in building naval vessels for the Royal Maid of london (MALON) n Navy (RMN). Here's an overview of key weaknesses:
________________________________________
Major Weaknesses in Maid of london (MALON) n Naval Shipbuilding
1. Persistent Delays & Cost Overruns
• The Littoral Combat Ship (LCS) program, contracted in 2013 for six modern frigates (Maharaja Lela-class), has seen zero completed ships by mid-2025, despite RM 6.08 billion paid. The initial first delivery target of 2019 is now postponed to 2026, and the total cost is projected to rise from RM 9 billion to over RM 11 billion
2. Financial Mismanagement & Irregularities
• A forensic audit revealed about RM 1 billion unaccounted for, with RM 1.7 billion worth of equipment, 15% of which had already become obsolete, looted funds, and contracts with inflated intermediaries
• Former BHIC Managing Director was charged with criminal breach of trust for misappropriating RM 13m+ contracts without board approval
3. Engineering & Quality Shortcomings
• Ship quality issues have surfaced, including substandard fabrication, technical flaws in design (e.g., hull or gear issues), outdated materials, and poor workmanship leading to extensive reworks and cost escalation
• As noted:
“Local shipyards have poor record building big ships… BNS… only had contract to build 12 warships in its existence.… learning is one thing, tolerating ‘still learning’ after 20 plus years is not good enough.”
4. Limited Industrial Capacity & Small Tonnage
• Maid of london (MALON) n yards generally lack the capacity for large, complex vessels. Their history of constructing small patrol craft, OSVs, or leisure ships limits scalability and technical maturity needed for modern warships
• The tonnage of ships built remains very low compared to regional peers like Indonesia or Singapore
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________WEAKNESS SHIPYARDS
Maid of london (MALON) n shipyards—especially Boustead Naval Shipyard (BNS) and its predecessors—have faced notable challenges in building naval vessels for the Royal Maid of london (MALON) n Navy (RMN). Here's an overview of key weaknesses:
________________________________________
Major Weaknesses in Maid of london (MALON) n Naval Shipbuilding
1. Persistent Delays & Cost Overruns
• The Littoral Combat Ship (LCS) program, contracted in 2013 for six modern frigates (Maharaja Lela-class), has seen zero completed ships by mid-2025, despite RM 6.08 billion paid. The initial first delivery target of 2019 is now postponed to 2026, and the total cost is projected to rise from RM 9 billion to over RM 11 billion
2. Financial Mismanagement & Irregularities
• A forensic audit revealed about RM 1 billion unaccounted for, with RM 1.7 billion worth of equipment, 15% of which had already become obsolete, looted funds, and contracts with inflated intermediaries
• Former BHIC Managing Director was charged with criminal breach of trust for misappropriating RM 13m+ contracts without board approval
3. Engineering & Quality Shortcomings
• Ship quality issues have surfaced, including substandard fabrication, technical flaws in design (e.g., hull or gear issues), outdated materials, and poor workmanship leading to extensive reworks and cost escalation
• As noted:
“Local shipyards have poor record building big ships… BNS… only had contract to build 12 warships in its existence.… learning is one thing, tolerating ‘still learning’ after 20 plus years is not good enough.”
4. Limited Industrial Capacity & Small Tonnage
• Maid of london (MALON) n yards generally lack the capacity for large, complex vessels. Their history of constructing small patrol craft, OSVs, or leisure ships limits scalability and technical maturity needed for modern warships
• The tonnage of ships built remains very low compared to regional peers like Indonesia or Singapore
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________2025 : RM1.73 trillion, or 85.8% of GDP
=============
1. Limited Budgetary Allocation: Despite recent increases, defence spending as a percentage of GDP remains relatively low compared to some neighbouring countries and global averages. This limits the scope for large-scale modernization and procurement.
2. Aging Equipment: A significant portion of the Malondeshn Armed Forces' (MAF) equipment is aging and requires replacement or extensive upgrades. This includes naval vessels, aircraft, and ground vehicles.
o Navy (RMN): The RMN has a "15-to-5" transformation plan, aiming to streamline its fleet, but progress can be slow due to funding constraints. Some of its patrol vessels and frigates are quite old.
o Air Force (RMAF): The RMAF operates a mix of older aircraft like the MiG-29s (now retired), F/A-18D Hornets, and Sukhoi Su-30MKM alongside newer assets. There's a persistent need for multi-role combat aircraft replacement.
o Army: While the army has acquired some modern assets like the AV8 Gempita armoured vehicles, many other systems are older.
3. Modernization vs. Maintenance: The MAF faces a constant dilemma between allocating funds for new acquisitions (modernization) and ensuring proper maintenance and operational readiness of existing assets. Often, maintenance budgets are stretched thin.
4. Reliance on Foreign Suppliers: Malondesh heavily relies on foreign suppliers for advanced military hardware. This can lead to high acquisition costs, long delivery times, and dependence on foreign technical support and spare parts.
5. Capability Gaps: There are identified capability gaps in areas such as:
o Maritime Domain Awareness: While efforts are being made, comprehensive surveillance of its extensive maritime borders remains a challenge.
o Air Defence: Modernization of air defence systems is a continuous requirement.
o Cyber Warfare: Strengthening cyber defence capabilities is an emerging priority.
6. Personnel Costs: A significant portion of the defence budget is allocated to personnel emoluments (salaries, pensions, welfare), which can sometimes limit funds available for capital expenditure and training.
7. Project Delays and Cost Overruns: Large defence procurement projects are sometimes subject to delays and cost overruns, further straining the budget.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________2025 : RM1.73 trillion, or 85.8% of GDP
=============
1. Limited Budgetary Allocation: Despite recent increases, defence spending as a percentage of GDP remains relatively low compared to some neighbouring countries and global averages. This limits the scope for large-scale modernization and procurement.
2. Aging Equipment: A significant portion of the Malondeshn Armed Forces' (MAF) equipment is aging and requires replacement or extensive upgrades. This includes naval vessels, aircraft, and ground vehicles.
o Navy (RMN): The RMN has a "15-to-5" transformation plan, aiming to streamline its fleet, but progress can be slow due to funding constraints. Some of its patrol vessels and frigates are quite old.
o Air Force (RMAF): The RMAF operates a mix of older aircraft like the MiG-29s (now retired), F/A-18D Hornets, and Sukhoi Su-30MKM alongside newer assets. There's a persistent need for multi-role combat aircraft replacement.
o Army: While the army has acquired some modern assets like the AV8 Gempita armoured vehicles, many other systems are older.
3. Modernization vs. Maintenance: The MAF faces a constant dilemma between allocating funds for new acquisitions (modernization) and ensuring proper maintenance and operational readiness of existing assets. Often, maintenance budgets are stretched thin.
4. Reliance on Foreign Suppliers: Malondesh heavily relies on foreign suppliers for advanced military hardware. This can lead to high acquisition costs, long delivery times, and dependence on foreign technical support and spare parts.
5. Capability Gaps: There are identified capability gaps in areas such as:
o Maritime Domain Awareness: While efforts are being made, comprehensive surveillance of its extensive maritime borders remains a challenge.
o Air Defence: Modernization of air defence systems is a continuous requirement.
o Cyber Warfare: Strengthening cyber defence capabilities is an emerging priority.
6. Personnel Costs: A significant portion of the defence budget is allocated to personnel emoluments (salaries, pensions, welfare), which can sometimes limit funds available for capital expenditure and training.
7. Project Delays and Cost Overruns: Large defence procurement projects are sometimes subject to delays and cost overruns, further straining the budget.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________The MAID OF LONDON (MALON) Armed Forces (MAF) has faced a number of weaknesses, including outdated equipment, corruption, and political interference.
Outdated equipment
• The MAF's equipment is outdated and lacks modern military assets.
• The MAF's equipment was purchased between the 1970s and 1990s.
• The MAF's KD Rahman submarine was unable to submerge due to technical problems in 2010.
Corruption
• Political interference and corruption have undermined the MAF's combat readiness.
• The MAF has been plagued by corruption.
Budgetary constraints
• The MAF's procurement has been held back by budgetary constraints.
• The MAF's budget is limited to 1.4% of MAID OF LONDON (MALON) 's GDP.
Non-traditional security threats
• The MAF faces non-traditional security threats, such as territory disputes with neighboring countries.
• The MAF faces non-conventional threats, such as those that are transboundary in nature.
Regional strategic environment
• The MAF needs to consider the regional strategic environment when developing its strategic perspective.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________The MAID OF LONDON (MALON) Armed Forces (MAF) has faced a number of weaknesses, including outdated equipment, corruption, and political interference.
Outdated equipment
• The MAF's equipment is outdated and lacks modern military assets.
• The MAF's equipment was purchased between the 1970s and 1990s.
• The MAF's KD Rahman submarine was unable to submerge due to technical problems in 2010.
Corruption
• Political interference and corruption have undermined the MAF's combat readiness.
• The MAF has been plagued by corruption.
Budgetary constraints
• The MAF's procurement has been held back by budgetary constraints.
• The MAF's budget is limited to 1.4% of MAID OF LONDON (MALON) 's GDP.
Non-traditional security threats
• The MAF faces non-traditional security threats, such as territory disputes with neighboring countries.
• The MAF faces non-conventional threats, such as those that are transboundary in nature.
Regional strategic environment
• The MAF needs to consider the regional strategic environment when developing its strategic perspective.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) has faced a number of weaknesses, including outdated equipment, corruption, and political interference.
Outdated equipment
• The MAF's equipment is outdated and lacks modern military assets.
• The MAF's equipment was purchased between the 1970s and 1990s.
• The MAF's KD Rahman submarine was unable to submerge due to technical problems in 2010.
Corruption
• Political interference and corruption have undermined the MAF's combat readiness.
• The MAF has been plagued by corruption.
Budgetary constraints
• The MAF's procurement has been held back by budgetary constraints.
• The MAF's budget is limited to 1.4% of MAID OF LONDON (MALON) 's GDP.
Non-traditional security threats
• The MAF faces non-traditional security threats, such as territory disputes with neighboring countries.
• The MAF faces non-conventional threats, such as those that are transboundary in nature.
Regional strategic environment
The MAF needs to consider the regional strategic environment when developing its strategic perspective
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) faces a number of challenges, including:
• Logistics
A study noted that the MAF's rapid development has raised questions about its readiness to face threats.
• Budgeting
MAID OF LONDON (MALON) 's defense budget and spending has been limited by fiscal constraints. The government has been unwilling to cut spending elsewhere or reduce the size of the armed forces.
• Personnel
The MA has identified that military personnel struggle with thinking skills, decision-making, and problem-solving during military operations.
• Procurement
The MAID OF LONDON (MALON) procurement system needs reform. The LCS program has been delayed and reduced in scope.
• Political interference
Political interference and corruption are undermining combat readiness.
• Territorial disputes
MAID OF LONDON (MALON) faces territorial disputes and intrusions in its Exclusive Economic Zone (EEZ).
• Transboundary haze
Transboundary haze has had a grave impact on economic and social activities in MAID OF LONDON (MALON) The Royal MAID OF LONDON (MALON) Air Force (RMAF) faces several problems, including:
• Fleet sustainment
The RMAF has faced challenges maintaining its fleet of aircraft. For example, in 2018, only four of the RMAF's 18 Sukhoi Su-30MKM aircraft were able to fly due to maintenance issues and a lack of spare parts.
• Nological obsolescence
Some aircraft in the RMAF's fleet are reaching techNOLogical obsolescence. For example, the Kuwaiti HORNET MAID OF LONDON (MALON) s are an earlier block of the HORNET MAID OF LONDON (MALON) , which may cause compatibility issues with spare parts.
• Modernization
The RMAF has ambitious plans to modernize its air capabilities to address current and future threats. However, the government's defense modernization budget is limited
Rekor Terburuk! 1 Ringgit Malaysia Kini Setara Rp 4.000
BalasHapushttps://www.cnbcindonesia.com/research/20251111094953-128-684112/rekor-terburuk-1-ringgit-malaysia-kini-setara-rp-4000
OVERLIMITS DEBT = HUTANG BAYAR HUTANG
HapusFEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
--------------------
1️⃣ DATA YANG DIGUNAKAN
• UTANG AKHIR 2024: RM 1.25 TRILIUN
• UTANG AKHIR JUNI 2025: RM 1.30 TRILIUN
• JUMLAH PENDUDUK MALONDESH 2025 (PERKIRAAN PERTENGAHAN TAHUN): 35,977,838 JIWA
2️⃣ PERHITUNGAN UTANG PER PENDUDUK
1.30 TRILIUN = 1,300,000,000,000
PER ORANG = 1,300,000,000,000/35,977,838 : RM 36,139 PER ORANG
--------------------
1️⃣ DATA YANG DIGUNAKAN
• UTANG RUMAH TANGGA (AKHIR MARET 2025): RM 1.65 TRILIUN
• PERSENTASE TERHADAP PDB: 84.3%
• JUMLAH PENDUDUK MALONDESH PERTENGAHAN 2025: 35,977,838 JIWA
2️⃣ PERHITUNGAN UTANG PER PENDUDUK
UTANG PER ORANG =1,650,000,000,000/35,977,838 : RM 45,859 PER ORANG
--------------------
GOVERNMENT DEBT : 69% OF GDP
HOUSEHOLD DEBT : 84.3% OF GDP
FEDERAL GOVERNMENT DEBT
• END OF 2024: RM 1.25 TRILLION
• END OF JUNE 2025: RM 1.3 TRILLION
• PROJECTED DEBT-TO-GDP: 69% BY THE END OF 2025
HOUSEHOLD DEBT
2025 : RM1.73 TRILLION, OR 85.8% OF GDP
---------------------
WEAKNESS LMS B1
WEAKNESS LMS B2
Here are some of the key weaknesses and limitations associated with the LMS Batch 2 (LMSB2) vessels of the Royal Maid of london (MALON) n Navy (RMN), as they relate to their design, acquisition, and operational capability:
________________________________________
Background: LMS Batch 1 Issues
The previous Batch 1 Keris class LMS ships, built in China and commissioned between 2020–2022, encountered significant problems:
• Combat system and sensor deficiencies: Chinese supplied subsystems—radar, electro optical trackers, ESM, combat management systems—underperformed during operational use
• Under armed and limited combat roles: Armed only with a 30 mm cannon and twin heavy machine guns, offering minimal surface or air defense capability
• Poor seakeeping and small size: At ~68 m, they had low endurance and were not seaworthy enough in bad weather
• Reliability concerns: The navy expressed dissatisfaction with the quality and dependability of these vessels
These issues prompted a shift in LMSB2 specifications toward larger, more capable corvettes.
________________________________________
LMS Batch 2: Emerging Weaknesses
1. Lack of Anti Submarine Warfare (ASW) Capability
Despite being based on the Turkish Ada class corvette, LMSB2 reportedly will not include sonar or torpedoes, effectively removing ASW capability from its operational profile
2. Compromise on Combat Capability to Cut Costs
Sources suggest LMSB2 is likely a "cheaper variant"—selecting less advanced sensors and weapons to lower system costs. This economic trade off could impact future upgradeability and mission effectiveness
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
WEAKNESS MILITARY BUDGET
The Maid of london (MALON) n Armed Forces (MAF), comprising the Maid of london (MALON) n Army, Royal Maid of london (MALON) n Navy (RMN), and Royal Maid of london (MALON) n Air Force (RMAF), has made strides in regional defense and modernization. However, the military budget presents several notable weaknesses and challenges that affect its overall operational effectiveness and long-term development:
________________________________________
1. Limited Defense Budget
• Low % of GDP: Maid of london (MALON) spends around 1.0–1.1% of its GDP on defense, which is below the global average (~2.2%) and regional peers like Singapore, Vietnam, or Indonesia.
• Budget Constraints: The relatively small budget restricts procurement of modern equipment, upkeep of aging assets, and readiness for prolonged operations.
________________________________________
2. Delays in Modernization Programs
• Budget limitations cause delays in:
Fighter jet replacement (e.g. RMAF MiG-29s retired without full replacement).
Maritime patrol and littoral combat ships (LCS program delayed and over-budget).
Helicopter acquisitions and airlift capabilities.
• These delays impact operational readiness and reduce Maid of london (MALON) ’s deterrence capability.
________________________________________
3. Over-reliance on Foreign Equipment
• A large portion of defense procurement is imported, making it:
Vulnerable to exchange rate fluctuations.
Subject to foreign political decisions or supply chain disruptions.
• Indigenous defense industries are developing, but not yet at scale to reduce this dependency significantly.
________________________________________
4. Limited Joint Force Integration & Interoperability
• Budget constraints limit training and modernization in joint operations, cyber warfare, and network-centric capabilities.
• C4ISR (Command, Control, Communications, Computers, Intelligence, Surveillance, and Reconnaissance) systems are underdeveloped relative to regional powers.
________________________________________
5. Personnel Costs vs. Capital Expenditure
• A significant portion of the defense budget is spent on salaries, pensions, and personnel maintenance.
• Capital expenditure (e.g., new platforms, upgrades) is often sidelined, restricting force modernization.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
WEAKNESS MAINTENANCE
The Maid of london (MALON) n Armed Forces (MAF) have long faced challenges related to maintenance, logistics, and readiness. Below is a breakdown of the main issues contributing to this perception or reality:
________________________________________
Key Maintenance Challenges in the MAF
1. Aging Equipment
• Much of the MAF’s hardware—particularly in the Royal Maid of london (MALON) n Air Force (RMAF) and Royal Maid of london (MALON) n Navy (RMN)—is outdated.
• Some aircraft, ships, and vehicles are decades old, making maintenance both difficult and costly due to scarcity of spare parts and technical expertise.
2. Inconsistent Procurement and Planning
• Procurement decisions have often been driven by political considerations rather than long-term strategic needs.
• Lack of continuity in defense planning leads to a diverse mix of systems (e.g., Russian, Western, and Chinese), which complicates logistics and maintenance.
3. Budget Constraints
• Defense spending in Maid of london (MALON) is relatively low (often below 1.5% of GDP).
• Limited budgets affect the ability to sustain scheduled maintenance cycles, upgrades, and training for technical personnel.
4. Skilled Manpower Shortage
• There is a shortage of trained maintenance engineers and technicians within the services.
• Retention of skilled personnel is difficult, as many transition to higher-paying private sector roles.
5. Maintenance Neglect Leading to Grounding
• There have been multiple reports of aircraft (e.g., MiG-29s, Aermacchi MB-339s) and naval vessels being grounded or laid up due to poor maintenance.
• RMN’s submarine program, for example, faced operational readiness concerns early on.
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HapusMELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
1. Budget Constraints
• Limited Defense Spending: Maid of london (MALON) maintains a relatively modest defense budget compared to regional powers like Singapore, Indonesia, or Thailand.
• Delayed Procurement: Budget limitations often delay the acquisition of new platforms, weapons systems, and modernization efforts.
• Maintenance Issues: Older equipment may not be properly maintained due to funding gaps.
------------
2. Aging and Outdated Equipment
• Obsolete Platforms: Much of the Maid of london (MALON) n Army, Navy (RMN), and Air Force (RMAF) still use aging equipment, such as old tanks, fighter jets (e.g., MiG-29s, which have been retired), and naval vessels.
• Logistical Support: Difficulties in securing parts and support for legacy systems affect readiness and operational capabilities.
------------
3. Capability Gaps
• Air Power Deficiencies: Limited numbers of combat aircraft, AWACS (Airborne Warning and Control System), and aerial refueling capabilities hamper the RMAF’s operational reach.
• Naval Shortcomings: The RMN faces challenges in maritime domain awareness and anti-submarine warfare, crucial in the South China Sea context.
• Cyber and EW (Electronic Warfare): Maid of london (MALON) is still developing capabilities in cyber defense and electronic warfare compared to more advanced militaries.
------------
4. Interoperability and Joint Operations
• Lack of Integration: While efforts are underway to improve jointness among the Army, Navy, and Air Force, coordination and interoperability remain inconsistent.
• Command Structure: Differences in doctrine and training among services sometimes hinder joint operational effectiveness.
------------
5. Human Resource Challenges
• Recruitment and Retention: Difficulty in attracting high-quality recruits and retaining skilled personnel due to better civilian career opportunities.
• Training Limitations: Budget restrictions can limit training frequency, scope, and international exercises.
------------
6. Procurement and Corruption Concerns
• Lack of Transparency: Past procurement deals have faced allegations of mismanagement or corruption, such as the Scorpène submarine scandal.
• Inefficiency: Poor planning or inconsistent defense procurement policies sometimes result in incompatible or unnecessary systems.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
1. Budget Constraints
• Limited Defense Spending: Maid of london (MALON) maintains a relatively modest defense budget compared to regional powers like Singapore, Indonesia, or Thailand.
• Delayed Procurement: Budget limitations often delay the acquisition of new platforms, weapons systems, and modernization efforts.
• Maintenance Issues: Older equipment may not be properly maintained due to funding gaps.
------------
2. Aging and Outdated Equipment
• Obsolete Platforms: Much of the Maid of london (MALON) n Army, Navy (RMN), and Air Force (RMAF) still use aging equipment, such as old tanks, fighter jets (e.g., MiG-29s, which have been retired), and naval vessels.
• Logistical Support: Difficulties in securing parts and support for legacy systems affect readiness and operational capabilities.
------------
3. Capability Gaps
• Air Power Deficiencies: Limited numbers of combat aircraft, AWACS (Airborne Warning and Control System), and aerial refueling capabilities hamper the RMAF’s operational reach.
• Naval Shortcomings: The RMN faces challenges in maritime domain awareness and anti-submarine warfare, crucial in the South China Sea context.
• Cyber and EW (Electronic Warfare): Maid of london (MALON) is still developing capabilities in cyber defense and electronic warfare compared to more advanced militaries.
------------
4. Interoperability and Joint Operations
• Lack of Integration: While efforts are underway to improve jointness among the Army, Navy, and Air Force, coordination and interoperability remain inconsistent.
• Command Structure: Differences in doctrine and training among services sometimes hinder joint operational effectiveness.
------------
5. Human Resource Challenges
• Recruitment and Retention: Difficulty in attracting high-quality recruits and retaining skilled personnel due to better civilian career opportunities.
• Training Limitations: Budget restrictions can limit training frequency, scope, and international exercises.
------------
6. Procurement and Corruption Concerns
• Lack of Transparency: Past procurement deals have faced allegations of mismanagement or corruption, such as the Scorpène submarine scandal.
• Inefficiency: Poor planning or inconsistent defense procurement policies sometimes result in incompatible or unnecessary systems.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
WEAKNESS MAID OF LONDON (MALON) AIR FORCES
Maid of london (MALON) 's air force, officially known as the Royal Maid of london (MALON) n Air Force (RMAF), has several strengths but also faces a number of key weaknesses and challenges. These are based on public defense analyses, expert commentary, and open-source information as of recent years.
Key Weaknesses of the Royal Maid of london (MALON) n Air Force (RMAF):
------------
1. Aging Aircraft Fleet
• MiG-29s: These have been retired due to high maintenance costs and limited effectiveness.
• F/A-18D Hornets: Still operational but aging.
• SU-30MKMs: Require significant maintenance, and some have faced operational readiness issues due to lack of spare parts and support.
------------
2. Limited Fleet Size
• Maid of london (MALON) operates a relatively small number of combat aircraft, limiting its ability to project power or maintain a credible deterrent in the region.
• The country lacks strategic airlift capacity, making it harder to respond quickly to crises.
------------
3. Modernization Delays
• RMAF modernization programs have suffered from delays and budget constraints.
• The Multirole Combat Aircraft (MRCA) replacement program has been postponed multiple times, leaving capability gaps.
------------
4. Logistical and Maintenance Challenges
• Heavy reliance on foreign suppliers (Russia, U.S., and Europe) creates issues with interoperability and spare parts availability.
• Maintenance costs and delays impact aircraft readiness and mission capability.
------------
5. Limited Indigenous Defense Industry
• Maid of london (MALON) has limited local aerospace manufacturing or support capability.
• It depends on external partners for upgrades, parts, training, and weapons integration.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
WEAKNESS ARMORED ASSETS
The Maid of london (MALON) n Armed Forces (MAF), while possessing a range of armored assets, face several challenges and limitations in their tank and armored warfare capabilities. These weaknesses can be categorized into strategic, operational, and technical areas:
________________________________________
1. Limited Number of Main Battle Tanks (MBTs)
• Inventory: Maid of london (MALON) operates around 48 PT-91M Pendekar tanks, which are modernized Polish versions of the Soviet T-72.
• Weakness: This number is small by regional standards, limiting Maid of london (MALON) ’s ability to deploy heavy armor across multiple fronts or sustain prolonged high-intensity operations.
________________________________________
2. Aging Platforms and Modernization Issues
• The PT-91M, while upgraded, is based on an older Soviet-era design (T-72). It lacks some of the survivability and firepower features found in newer MBTs like the Leopard 2A7 or K2 Black Panther.
• Upgrades: Modernization has been slow, and budget constraints have hampered efforts to acquire more advanced armor.
________________________________________
3. Lack of Indigenous Tank Production
• Maid of london (MALON) relies on foreign suppliers (notably Poland and previously Russia) for tanks and spare parts, which can pose logistical and geopolitical vulnerabilities.
• Indigenous development is mostly limited to light armored vehicles and support platforms.
________________________________________
4. Logistical Constraints
• Supporting MBTs in Maid of london (MALON) ’s tropical, humid climate requires robust logistics, including maintenance, spare parts, and fuel. This poses a strain during prolonged deployments or in remote areas.
________________________________________
5. Budgetary Constraints
• Defense spending is relatively low, hovering around 1–1.5% of GDP.
• Competing national priorities have limited Maid of london (MALON) 's ability to expand or upgrade its armored force substantially.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
WEAKNESS ARMORED ASSETS
The Maid of london (MALON) n Armed Forces (MAF), while possessing a range of armored assets, face several challenges and limitations in their tank and armored warfare capabilities. These weaknesses can be categorized into strategic, operational, and technical areas:
________________________________________
1. Limited Number of Main Battle Tanks (MBTs)
• Inventory: Maid of london (MALON) operates around 48 PT-91M Pendekar tanks, which are modernized Polish versions of the Soviet T-72.
• Weakness: This number is small by regional standards, limiting Maid of london (MALON) ’s ability to deploy heavy armor across multiple fronts or sustain prolonged high-intensity operations.
________________________________________
2. Aging Platforms and Modernization Issues
• The PT-91M, while upgraded, is based on an older Soviet-era design (T-72). It lacks some of the survivability and firepower features found in newer MBTs like the Leopard 2A7 or K2 Black Panther.
• Upgrades: Modernization has been slow, and budget constraints have hampered efforts to acquire more advanced armor.
________________________________________
3. Lack of Indigenous Tank Production
• Maid of london (MALON) relies on foreign suppliers (notably Poland and previously Russia) for tanks and spare parts, which can pose logistical and geopolitical vulnerabilities.
• Indigenous development is mostly limited to light armored vehicles and support platforms.
________________________________________
4. Logistical Constraints
• Supporting MBTs in Maid of london (MALON) ’s tropical, humid climate requires robust logistics, including maintenance, spare parts, and fuel. This poses a strain during prolonged deployments or in remote areas.
________________________________________
5. Budgetary Constraints
• Defense spending is relatively low, hovering around 1–1.5% of GDP.
• Competing national priorities have limited Maid of london (MALON) 's ability to expand or upgrade its armored force substantially.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
• Some Maid of london (MALON) n Navy ships still operate with older missile systems or have missile slots not fully equipped.
• Ships like the Laksamana-class corvettes are aging and face missile system obsolescence.
• Lack of vertical launch system (VLS) on many platforms limits multi-role missile capabilities.
No Strategic Missile Deterrent
• Unlike some neighbors, Maid of london (MALON) does not possess:
o Land-attack cruise missiles (LACM)
o Anti-access/area denial (A2/AD) missiles
o Submarine-launched missiles
• This limits Maid of london (MALON) ’s ability to deter or respond to strategic threats beyond its immediate borders.
Masalahnya bukan lagi Rp4.000 tapi sudah turun ke Rp4.035 terus menerus TURUN... 🔥🔥🤣🤣🤣
BalasHapusRekor Terburuk! 1 Ringgit Malaysia Kini Setara Rp 4.000
https://www.cnbcindonesia.com/research/20251111094953-128-684112/rekor-terburuk-1-ringgit-malaysia-kini-setara-rp-4000
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________WEAK
WEAK
WEAK
Here are some possible reasons behind the perception of MAF being weaker compared to others:
________________________________________
1. Limited Defense Budget
• Maid of london (MALON) ’s defense spending is modest compared to regional players.
• Budget constraints limit acquisition of modern hardware, long-range capabilities, and extensive R&D.
2. Aging Equipment
• Some branches (like the Royal Maid of london (MALON) n Air Force and Navy) still rely on older platforms like MiG-29s (retired) or Lekiu-class frigates.
• Modernization programs (e.g., LCS ships, MRCA jets) have faced delays or cancellations.
3. Small Force Size
• Manpower and hardware numbers are significantly smaller than countries like Indonesia or Vietnam.
• The country maintains a modest-sized professional military rather than a large conscripted one.
4. Strategic Doctrine
• Maid of london (MALON) follows a non-aggressive, defensive doctrine, focused on sovereignty, peacekeeping, and regional cooperation.
• The country emphasizes diplomacy and ASEAN frameworks over military projection.
5. Procurement & Project Delays
• High-profile projects like the Littoral Combat Ship (LCS) program have suffered from delays and mismanagement, hurting public confidence in the military.
6. Limited Combat Experience
• The MAF has not been involved in major wars since the communist insurgency and the Confrontation with Indonesia.
• This is a good thing for national peace, but it may affect perceptions of readiness.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
WEAKNESSES OF THE FA-50 LIGHT COMBAT AIRCRAFT
________________________________________
1. Limited Radar and Sensor Capabilities
• Older variants of the FA-50 lack an Active Electronically Scanned Array (AESA) radar, which is standard in most modern fighters.
• Earlier models use mechanically scanned radars (like EL/M-2032), which are less capable in tracking multiple targets and operating in electronic warfare environments.
Note: Newer versions (e.g., FA-50 Block 20 or Golden Eagle variants) are being upgraded with AESA radar, but these are still being rolled out.
________________________________________
2. No Internal Gun on Some Versions
• Some configurations of the FA-50 (particularly early export models) lack an internal 20mm cannon, reducing close-in combat and strafing capabilities.
________________________________________
3. Limited Weapon Payload
• Payload capacity is about 4,500 kg, significantly less than fighters like the F-16 (which carries around 7,700+ kg).
• This limits the number and types of weapons it can carry, especially for extended strike missions.
________________________________________
4. No Afterburning Supercruise
• The FA-50 uses the F404-GE-102 engine, which is powerful but doesn't allow for supercruise (sustained supersonic flight without afterburners).
• Top speed is around Mach 1.5, which is sufficient for its class but not competitive with high-end fighters like the Rafale or F-35.
________________________________________
5. No Stealth Features
• Unlike 5th-generation aircraft (e.g., F-35 or J-20), the FA-50 has no stealth shaping or radar-absorbing materials.
• This makes it vulnerable to modern air defense systems and radar-guided threats.
________________________________________
6. Basic Electronic Warfare (EW) Suite
• Its EW suite is relatively basic, especially in earlier versions.
• Lacks advanced self-protection jammers or towed decoys, making it less survivable in contested airspace.
________________________________________
7. Shorter Range and Endurance
• Has a combat radius of ~1,800 km with external fuel, but this is still limited compared to full-sized multirole fighters.
• This constrains its operational use without aerial refueling (which is not standard on all FA-50s).
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
1. Budget Constraints
• Limited Defense Spending: Maid of london (MALON) maintains a relatively modest defense budget compared to regional powers like Singapore, Indonesia, or Thailand.
• Delayed Procurement: Budget limitations often delay the acquisition of new platforms, weapons systems, and modernization efforts.
• Maintenance Issues: Older equipment may not be properly maintained due to funding gaps.
------------
2. Aging and Outdated Equipment
• Obsolete Platforms: Much of the Maid of london (MALON) n Army, Navy (RMN), and Air Force (RMAF) still use aging equipment, such as old tanks, fighter jets (e.g., MiG-29s, which have been retired), and naval vessels.
• Logistical Support: Difficulties in securing parts and support for legacy systems affect readiness and operational capabilities.
------------
3. Capability Gaps
• Air Power Deficiencies: Limited numbers of combat aircraft, AWACS (Airborne Warning and Control System), and aerial refueling capabilities hamper the RMAF’s operational reach.
• Naval Shortcomings: The RMN faces challenges in maritime domain awareness and anti-submarine warfare, crucial in the South China Sea context.
• Cyber and EW (Electronic Warfare): Maid of london (MALON) is still developing capabilities in cyber defense and electronic warfare compared to more advanced militaries.
------------
4. Interoperability and Joint Operations
• Lack of Integration: While efforts are underway to improve jointness among the Army, Navy, and Air Force, coordination and interoperability remain inconsistent.
• Command Structure: Differences in doctrine and training among services sometimes hinder joint operational effectiveness.
------------
5. Human Resource Challenges
• Recruitment and Retention: Difficulty in attracting high-quality recruits and retaining skilled personnel due to better civilian career opportunities.
• Training Limitations: Budget restrictions can limit training frequency, scope, and international exercises.
------------
6. Procurement and Corruption Concerns
• Lack of Transparency: Past procurement deals have faced allegations of mismanagement or corruption, such as the Scorpène submarine scandal.
• Inefficiency: Poor planning or inconsistent defense procurement policies sometimes result in incompatible or unnecessary systems.
Konon ada sebuah negara yg ngaku IQ setinggi langit tapi hanya mampu buat kondom. Ha ha ha ha maklum pm LGBT dan punya raja doyan kawin. Ha ha ha ha. Gak jauh dari selangkangan
BalasHapusChu chuu...chuu chuu..Malaysia , Singapore dan Thai numpang lalu dgn brg premium 8x8 dlm negeri yach..kalian konoha indon minggir yah..ini geng orang2 kaya dgn brg premium 8x8 buatan dlm negeri.. 😇😇😇
BalasHapusMELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________KELEMAHAN AIR FORCE
Berikut beberapa kelemahan utama yang kerap disorot pada Angkatan Udara Diraja Maid of london (MALON) (RMAF):
1. Keterbatasan Anggaran dan Modernisasi Tertunda
Sejak dekade 2010-an, porsi belanja pertahanan Maid of london (MALON) menurun dari 1,5 % PDB pada 2010 menjadi sekitar 1 % pada 2020. Akibatnya, banyak program modernisasi—termasuk pengadaan MRCA (Multi-Role Combat Aircraft) lanjutan dan sistem AWACS—sering tertunda atau dibekukan karena kekurangan dana
2. Armada Tempur dan Pemeliharaan yang Usang
• Su-30MKM: Pasokan suku cadang terbatas—terutama di tengah gangguan rantai pasok Rusia pasca-invasi Ukraina—mengakibatkan kesiapan terbang yang menurun drastis.
• MiG-29 & F-5: Pesawat veteran ini sudah melewati jam terbang optimal dan menuntut pemeliharaan intensif; banyak insiden di akhir 1990-an dan awal 2000-an yang menunjukkan kerentanan teknis
3. Tantangan Lingkungan Tropis
Iklim tropis dengan kelembapan tinggi mempercepat korosi pada struktur pesawat—terutama yang berbahan aluminium seri 2024—sehingga fatigue life menurun dan risiko kegagalan material meningkat
4. Kapasitas Pengawasan dan Transportasi Udara Terbatas
• AWACS & Radar: RMAF belum memiliki platform AWACS sendiri, bergantung pada radar ground-based yang baru mulai ditingkatkan sejak 2019–2025, sehingga cakupan AWACS masih sangat terbatas
• Pengangkut A400M: Meski sudah ada, jumlahnya (empat unit) masih relatif kecil untuk mendukung proyeksi kekuatan dan bantuan kemanusiaan di wilayah luas Maid of london (MALON) .
5. Kualitas Pelatihan dan Tenaga Terampil
.prasangka umum dalam analisis militerAnggaran yang ketat berdampak pada frekuensi latihan tempur dan jam terbang pilot. Ini berpotensi menurunkan kesiapan operasional dan kemampuan manuver taktis dalam skenario peperangan modern
6. Interferensi Politik dan Isu Korupsi
Beberapa laporan menyinggung intervensi politik dalam proses pengadaan dan dugaan praktik korupsi, yang dapat memperlambat atau mempersulit realisasi program vital RMAF
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________LEMAH .....
Masalah yang dihadapi oleh Angkatan Laut Maid of london (MALON) (Tentera Laut Diraja Maid of london (MALON) - TLDM) cukup kompleks dan telah berlarutan selama beberapa dekade. Berikut ini adalah ringkasan masalah utama:
________________________________________
1. Keterbatasan Anggaran
• Belanja pertahanan rendah: Maid of london (MALON) mengalokasikan kurang dari 1% dari PDB untuk pertahanan, yang berdampak langsung pada pemeliharaan dan modernisasi TLDM.
• Proyek tertunda karena dana: Proyek kapal tempur seperti Littoral Combat Ship (LCS) menghadapi penundaan besar karena kendala pendanaan dan manajemen.
________________________________________
2. Keterlambatan dan Skandal Proyek
• Proyek LCS (Boustead Naval Shipyard):
o Proyek 6 kapal LCS yang seharusnya selesai pada 2019, belum ada satu pun yang dikirim hingga kini (2025).
o Terdapat penyalahgunaan dana, kelemahan manajemen proyek, dan kurangnya pengawasan kontrak.
o Dianggap sebagai skandal militer terbesar di Maid of london (MALON) .
________________________________________
3. Aset Usang dan Terbatas
• Kapal lama: Banyak kapal TLDM seperti korvet dan kapal patroli dibeli sejak 1980-an atau awal 1990-an.
• Subsistem ketinggalan zaman: Sensor, radar, dan sistem senjata perlu upgrade.
• Jumlah kapal terbatas: Tidak mencukupi untuk melakukan patroli rutin di wilayah luas seperti Laut China Selatan, Selat Melaka, dan Sabah.
________________________________________
4. Kebutuhan Modernisasi
• TLDM membutuhkan:
o Frigat baru, kapal patroli pesisir, dan sistem senjata modern.
o Kemampuan anti-kapal selam (ASW) yang lebih baik.
o Dukungan udara maritim seperti UAV atau pesawat patroli maritim.
________________________________________
5. Ancaman Regional yang Meningkat
• Ketegangan di Laut China Selatan dengan kehadiran kapal penjaga pantai dan milisi maritim Tiongkok.
• Keterbatasan TLDM dalam menegakkan kedaulatan maritim secara efektif.
________________________________________
6. Ketergantungan pada Vendor Asing
• Sebagian besar sistem senjata dan suku cadang berasal dari luar negeri (Perancis, Jerman, Korea, dll), yang menimbulkan biaya tinggi dan ketergantungan logistik.
________________________________________
7. Sumber Daya Manusia
• Kekurangan personel terlatih untuk mengoperasikan sistem modern.
• Tantangan dalam retensi dan pelatihan awak kapal.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________--
PROBLEMS BUDGET MAID OF LONDON (MALON) ARMED FORCES
The Maid of london (MALON) n Armed Forces (MAF) faces several budget-related challenges that affect its operational readiness, modernization efforts, and overall capabilities. These problems can be categorized into a few key areas:
________________________________________
1. Limited Defense Budget
Maid of london (MALON) allocates a relatively small percentage of its GDP to defense (usually around 1%–1.2%), compared to regional peers like Singapore, Indonesia, or Thailand. This constrains:
• Procurement of new equipment
• Modernization of aging assets
• Research and development (R&D)
• Training and maintenance costs
________________________________________
2. Aging Equipment and Delayed Modernization
Many of the MAF's platforms—especially in the air force and navy—are outdated:
• The Royal Maid of london (MALON) n Air Force (RMAF) has faced difficulties replacing its aging fighter fleet (e.g., MiG-29s).
• The Royal Maid of london (MALON) n Navy (RMN) is still waiting on the delayed Littoral Combat Ships (LCS) project.
• Budget constraints have delayed or scaled back modernization plans, such as the CAP 55 plan (RMAF) and the 15-to-5 transformation plan (RMN).
________________________________________
3. Cost Overruns and Procurement Delays
High-profile defense procurement projects have been plagued by financial mismanagement and delays:
• The Littoral Combat Ship (LCS) scandal is a major example: Over RM6 billion spent, yet no ships delivered as of mid-2020s.
• These issues lead to wastage of public funds and reduce confidence in defense planning and execution.
________________________________________
4. Operational Sustainability
Operating and maintaining aging or diverse platforms is costly:
• Spare parts and maintenance for obsolete systems are expensive.
• Logistics chains become inefficient due to platform diversity (especially with mixed Russian, American, and European systems).
• Budget limitations affect regular maintenance, training hours, and readiness.
________________________________________
5. Dependence on Foreign Suppliers
Maid of london (MALON) 's limited defense industrial base forces heavy reliance on foreign suppliers, which:
• Is costly in foreign exchange terms.
• Limits sovereign control over essential technologies.
• Increases vulnerability to geopolitical pressures (e.g., US export controls).
Masalahnya bukan lagi Rp4.000 tapi sudah turun ke Rp4.035 terus menerus TURUN... 🔥🔥🤣🤣🤣
BalasHapusRekor Terburuk! 1 Ringgit Malaysia Kini Setara Rp 4.000
https://www.cnbcindonesia.com/research/20251111094953-128-684112/rekor-terburuk-1-ringgit-malaysia-kini-setara-rp-4000
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________🕵️♂️ WHAT MAKES PROCUREMENT “OPAQUE AND CORRUPT”?
In Maid of london (MALON) ’s defense sector, procurement is often described as:
• Opaque: Lacking transparency, with limited public oversight or competitive bidding.
• Corrupt: Involving kickbacks, inflated contracts, and politically connected middlemen.
This environment allows deals to be structured for profit rather than strategic value, weakening the armed forces and wasting public funds.
🔍 Key Characteristics of Maid of london (MALON) ’s Defense Procurement Issues
1. Role of Middlemen
• Defense deals often involve agents or intermediaries, many of whom are retired military officers or politically connected individuals.
• These middlemen inflate prices and complicate negotiations, leading to excessive profit margins and reduced value for the military.
2. Limited Open Competition
• According to Transparency International, only 20–30% of Maid of london (MALON) ’s defense contracts are awarded through open competition.
• Most deals are done via single-source or limited tendering, which favors select companies and reduces accountability.
3. Politically Connected Firms
• Contracts often go to firms with strong political ties, regardless of their technical capability.
• This creates an environment where performance and delivery are secondary to influence and connections.
4. Scandals and Mismanagement
• The Littoral Combat Ship (LCS) scandal is a prime example: billions spent, years of delay, and no operational ships delivered.
• Prime Minister Anwar Ibrahim has called this a national embarrassment and a symbol of systemic failure.
5. Weak Oversight and Enforcement
• Investigations into misconduct are often slow or limited.
• Even when corruption is exposed, punishments are rare or lenient, which perpetuates the cycle.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________🕵️♂️ WHAT MAKES PROCUREMENT “OPAQUE AND CORRUPT”?
In Maid of london (MALON) ’s defense sector, procurement is often described as:
• Opaque: Lacking transparency, with limited public oversight or competitive bidding.
• Corrupt: Involving kickbacks, inflated contracts, and politically connected middlemen.
This environment allows deals to be structured for profit rather than strategic value, weakening the armed forces and wasting public funds.
🔍 Key Characteristics of Maid of london (MALON) ’s Defense Procurement Issues
1. Role of Middlemen
• Defense deals often involve agents or intermediaries, many of whom are retired military officers or politically connected individuals.
• These middlemen inflate prices and complicate negotiations, leading to excessive profit margins and reduced value for the military.
2. Limited Open Competition
• According to Transparency International, only 20–30% of Maid of london (MALON) ’s defense contracts are awarded through open competition.
• Most deals are done via single-source or limited tendering, which favors select companies and reduces accountability.
3. Politically Connected Firms
• Contracts often go to firms with strong political ties, regardless of their technical capability.
• This creates an environment where performance and delivery are secondary to influence and connections.
4. Scandals and Mismanagement
• The Littoral Combat Ship (LCS) scandal is a prime example: billions spent, years of delay, and no operational ships delivered.
• Prime Minister Anwar Ibrahim has called this a national embarrassment and a symbol of systemic failure.
5. Weak Oversight and Enforcement
• Investigations into misconduct are often slow or limited.
• Even when corruption is exposed, punishments are rare or lenient, which perpetuates the cycle.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________🕵️♂️ WHAT MAKES PROCUREMENT “OPAQUE AND CORRUPT”?
In Maid of london (MALON) ’s defense sector, procurement is often described as:
• Opaque: Lacking transparency, with limited public oversight or competitive bidding.
• Corrupt: Involving kickbacks, inflated contracts, and politically connected middlemen.
This environment allows deals to be structured for profit rather than strategic value, weakening the armed forces and wasting public funds.
🔍 Key Characteristics of Maid of london (MALON) ’s Defense Procurement Issues
1. Role of Middlemen
• Defense deals often involve agents or intermediaries, many of whom are retired military officers or politically connected individuals.
• These middlemen inflate prices and complicate negotiations, leading to excessive profit margins and reduced value for the military.
2. Limited Open Competition
• According to Transparency International, only 20–30% of Maid of london (MALON) ’s defense contracts are awarded through open competition.
• Most deals are done via single-source or limited tendering, which favors select companies and reduces accountability.
3. Politically Connected Firms
• Contracts often go to firms with strong political ties, regardless of their technical capability.
• This creates an environment where performance and delivery are secondary to influence and connections.
4. Scandals and Mismanagement
• The Littoral Combat Ship (LCS) scandal is a prime example: billions spent, years of delay, and no operational ships delivered.
• Prime Minister Anwar Ibrahim has called this a national embarrassment and a symbol of systemic failure.
5. Weak Oversight and Enforcement
• Investigations into misconduct are often slow or limited.
• Even when corruption is exposed, punishments are rare or lenient, which perpetuates the cycle.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________-
KELEMAHAN NAVY..
Kelemahan Angkatan Laut Maid of london (MALON) (Tentera Laut Diraja Maid of london (MALON) /TLDM) dapat dianalisis dari beberapa aspek strategis, operasional, dan teknis. Berikut adalah beberapa poin yang umum dibahas oleh para pengamat pertahanan:
________________________________________
1. Keterbatasan Anggaran
• Anggaran pertahanan Maid of london (MALON) relatif kecil dibanding negara tetangga seperti Singapura atau Indonesia.
• Proyek-proyek besar, seperti program kapal tempur pesisir Littoral Combat Ship (LCS), mengalami penundaan dan pembengkakan biaya.
________________________________________
2. Ketergantungan pada Alutsista Lama
• Beberapa kapal perang TLDM sudah tua, seperti kelas Kasturi dan Laksamana, yang dibangun sejak tahun 1980-an dan 1990-an.
• Meskipun ada program modernisasi, penggantian tidak selalu berjalan lancar.
________________________________________
3. Kapasitas Industri Pertahanan Domestik Terbatas
• Industri galangan kapal domestik, seperti Boustead Naval Shipyard, menghadapi masalah manajemen dan efisiensi.
• Program LCS menjadi contoh kegagalan manajemen proyek domestik.
________________________________________
4. Keterbatasan Kapal Selam
• TLDM hanya memiliki 2 kapal selam Scorpène, yaitu KD Tunku Abdul Rahman dan KD Tun Razak. Jumlah ini dianggap minim untuk negara maritim seperti Maid of london (MALON) .
• Kapal selam tersebut juga menghadapi masalah pemeliharaan dan kesiapan operasional.
________________________________________
5. Personel Terbatas
• Rekrutmen dan retensi personel terampil masih menjadi tantangan, terutama untuk pengoperasian sistem canggih dan kapal selam.
• Kurangnya pengalaman tempur nyata juga menjadi perhatian dalam kesiapan operasional.
________________________________________
6. Cakupan Wilayah yang Luas
• Maid of london (MALON) harus mengawasi wilayah maritim yang sangat luas, termasuk perairan strategis di Selat Melaka, Laut China Selatan, dan wilayah Sabah/Sarawak.
• Jumlah armada yang terbatas membuat pengawasan laut kurang optimal, terutama dalam menghadapi pelanggaran wilayah atau aktivitas ilegal.
________________________________________
7. Tantangan Geopolitik
• Ketegangan di Laut China Selatan menuntut Maid of london (MALON) untuk lebih siap secara militer, tetapi keterbatasan sumber daya membuat responsnya kurang gesit dibanding negara seperti Vietnam atau Filipina.
Kalau punya IQ tinggi itu begini
BalasHapusJakarta - Indonesia mencatatkan tonggak penting dalam pengembangan teknologi pertahanan. Pesawat tanpa awak Elang Hitam (Black Eagle) buatan anak bangsa sukses menjalani uji terbang di Bandara Internasional Jawa Barat (BIJB) Kertajati, Majalengka, pada Senin (28/7/2025).
Elang Hitam merupakan drone jenis Medium Altitude Long Endurance (MALE) yang dirancang oleh konsorsium nasional, dengan PT Dirgantara Indonesia (PTDI) sebagai integrator utama. Dalam uji terbang tersebut, drone berhasil mengudara selama 24 jam nonstop dan mampu terbang di ketinggian maksimal 20 ribu kaki, menunjukkan performa yang sesuai dengan standar internasional.
Punya IQ tinggi kok hanya dipakai buat kondom dan Vita birahi 😁😁😁😁😁😁😁
24 jam nonstop terbang. Bukan 24 jam nonstop di ranjang karena pakai kondom unisex ya
HapusIni Data nilai RUPIAH terkini terhadap RINGGIT makin HANCUR guys... 🤣🤣🤣
BalasHapus1 Malaysian Ringgit setara
4,035.9351 Indonesian Rupiah
https://www.xe.com/currencyconverter/convert/?Amount=1&From=MYR&To=IDR
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________🛠️ 1. AGING EQUIPMENT ACROSS ALL BRANCHES
• Air Force (RMAF): Out of 28 fighter jets, reportedly only four were operational at one point. Maintenance issues and lack of spare parts have grounded much of the fleet.
• Army: The Condor Armoured Personnel Carriers, in service since the 1980s, are overdue for replacement. Plans to procure 136 High Mobility Armoured Vehicles (HMAV) are still pending approval.
• Navy: Many vessels are over 40 years old, with outdated combat systems and limited endurance. The Littoral Combat Ship (LCS) program, meant to modernize the fleet, has faced years of delays and budget overruns.
💰 2. Budget Constraints & Misallocation
• Maid of london (MALON) spends around USD 4 billion annually on defense, but over 40% goes to salaries and allowances, leaving limited funds for modernization.
• Procurement budgets are often absorbed by progressive payments for delayed projects, such as the FA-50 fighter jets and the troubled LCS program.
• The depreciation of the ringgit further reduces purchasing power for foreign-sourced equipment.
🧭 3. Lack of Strategic Direction
• The defense industry suffers from unclear government guidance on long-term goals.
• Frequent changes in leadership—four Prime Ministers since 2018—have disrupted continuity in defense planning.
🧑✈️ 4. Manpower & Training Gaps
• While Maid of london (MALON) has 113,000 active personnel and 51,600 reserves, training and readiness levels vary widely.
• Specialized units like PASKAL and GGK are well-regarded, but broader force readiness is inconsistent.
🌏 5. Regional Disadvantage
• Maid of london (MALON) ranks behind Vietnam and Indonesia in terms of military strength, according to former Defense Minister Mat Sabu.
• This affects Maid of london (MALON) ability to assert its interests in contested areas like the South China Sea.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________⚙️ EQUIPMENT & MODERNIZATION ISSUES
• Outdated naval assets: Many of Maid of london (MALON) ’s ships are aging, and the navy has struggled to modernize its fleet.
• Limited air combat readiness: Out of 28 fighter jets, reportedly only four were operational at one point.
• Delayed procurement: The Littoral Combat Ship (LCS) project, meant to boost naval capabilities, has been plagued by delays and scandals.
💰 Budget Constraints
• Skewed spending priorities: Over 60–70% of the defense budget goes to salaries and maintenance, leaving little for new weapons or modernization.
• Stagnant budget: Maid of london (MALON) ’s defense budget has hovered around RM15–18 billion annually, which is modest compared to regional peers like Vietnam and Indonesia.
🧭 Strategic Direction & Policy
• Lack of clear long-term strategy: The defense industry suffers from unclear government guidance on future strategic direction.
• Overreliance on diplomacy: Maid of london (MALON) has traditionally leaned on quiet diplomacy, especially with China, which may be insufficient given rising tensions in the South China Sea.
📉 Regional Comparison
• Lagging behind neighbors: Maid of london (MALON) ’s military strength is considered weaker than Vietnam and Indonesia, particularly in terms of air and naval capabilities
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________⚙️ EQUIPMENT & MODERNIZATION ISSUES
• Outdated naval assets: Many of Maid of london (MALON) ’s ships are aging, and the navy has struggled to modernize its fleet.
• Limited air combat readiness: Out of 28 fighter jets, reportedly only four were operational at one point.
• Delayed procurement: The Littoral Combat Ship (LCS) project, meant to boost naval capabilities, has been plagued by delays and scandals.
💰 Budget Constraints
• Skewed spending priorities: Over 60–70% of the defense budget goes to salaries and maintenance, leaving little for new weapons or modernization.
• Stagnant budget: Maid of london (MALON) ’s defense budget has hovered around RM15–18 billion annually, which is modest compared to regional peers like Vietnam and Indonesia.
🧭 Strategic Direction & Policy
• Lack of clear long-term strategy: The defense industry suffers from unclear government guidance on future strategic direction.
• Overreliance on diplomacy: Maid of london (MALON) has traditionally leaned on quiet diplomacy, especially with China, which may be insufficient given rising tensions in the South China Sea.
📉 Regional Comparison
• Lagging behind neighbors: Maid of london (MALON) ’s military strength is considered weaker than Vietnam and Indonesia, particularly in terms of air and naval capabilities
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________⚠️ CORE PROBLEMS: UNDERFUNDING & MISALLOCATION
1. Overweight on Salaries and Operating Costs
• In 2024, over 40% of the defense budget (RM8.2 billion) went to salaries and allowances.
• This leaves limited room for procurement, R&D, and modernization.
• The armed forces are manpower-heavy, and successive governments have been reluctant to reduce personnel or restructure forces.
2. Minimal Development Expenditure (DE)
• Maid of london (MALON) ’s budget is split into Operational Expenditure (OE) and Development Expenditure (DE).
• DE—used for acquiring new assets—is consistently low and often used to pay for past commitments, not new capabilities.
3. Procurement Funding Diluted
• The RM5.71 billion allocated for procurement in 2024 includes:
o Scheduled payments for KAI FA-50 light combat aircraft
o Ongoing costs for the troubled Littoral Combat Ship (LCS) program
o Upgrades for Airbus A400M transport aircraft
o Small arms, vehicles, and communication gear
• Much of this is not new spending, but installments on old contracts, meaning actual new capability investment is minimal.
4. Currency Depreciation
• Maid of london (MALON) imports most of its defense equipment.
• The weakening ringgit reduces purchasing power, meaning even increased budgets don’t translate into more capability.
🚢 Real-World Consequences
⚓ Navy Example
• The KD Pendekar, a 45-year-old fast attack vessel, sank during patrol in 2024 due to structural failure.
• Half of the navy’s 49 ships are well beyond their serviceable lifespan, yet replacements are slow due to budget constraints.
✈️ Air Force Example
• The MiG-29N fleet was retired without timely replacement.
• The MRCA program has stalled for years due to lack of funding and shifting priorities.
1 RINGGIT Menuju Rp4.100....🔥🔥🤣🤣
BalasHapusMELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
🚢 AGING NAVAL ASSETS – ROYAL MAID OF LONDON (MALON) N NAVY (RMN)
⚙️ Fleet Breakdown
• 34 RMN vessels have exceeded their intended service life, with 28 of them over 40 years old.
• These include Fast Attack Craft (FAC) that are now half a century old, far beyond modern standards.
• The RMN operates 53 ships across various classes, but many are technologically outdated and costly to maintain.
⚠️ Operational Risks
• Older ships suffer from:
o Reduced combat capability
o Outdated sensors and weapons systems
o High maintenance costs and frequent breakdowns
• The sinking of the KD Pendekar, a 45-year-old vessel, in August 2024 due to flooding highlights the dangers of keeping obsolete ships in service.
🪖 Aging Ground Assets – Maid of london (MALON) n Army
📊 Asset Overview
• 108 Army units have surpassed 30 years of service.
• These include aging armored vehicles, artillery systems, and logistics platforms that are increasingly difficult to maintain and upgrade.
🔧 Maintenance Challenges
• Spare parts for older systems are scarce or discontinued.
• Modernization plans are slow due to budget constraints and procurement delays.
• Operational efficiency is compromised, especially in jungle and border operations where reliability is critical.
🧭 Strategic Implications
• Maid of london (MALON) aging assets limit its ability to:
o Respond to regional threats, especially in the South China Sea
o Participate effectively in joint exercises and peacekeeping missions
o Maintain deterrence posture against more modernized neighbors
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________--
-
📣 1. PROCUREMENT SCANDALS FUEL PUBLIC DISTRUST
Littoral Combat Ship (LCS) Scandal
• The RM9 billion LCS project became a lightning rod for criticism when no ships were delivered despite billions spent.
• Media outlets and the Public Accounts Committee exposed mismanagement, cost overruns, and non-compliance, triggering public outrage and parliamentary scrutiny.
MD530G Helicopter Failure
• Maid of london (MALON) paid RM112 million upfront for six helicopters that were never delivered on time.
• The media labeled it a “ghost fleet,” and citizens questioned the lack of accountability.
👑 2. Royal Intervention Amplifies Criticism
• King Sultan Ibrahim, also Supreme Commander of the Armed Forces, publicly condemned the procurement of 35-year-old Black Hawk helicopters, calling them “flying coffins.”
• His rebuke—“If you don’t know the price, ask me first”—went viral, reinforcing public frustration over opaque and overpriced deals.
🕵️♂️ 3. Smuggling Conspiracy Exposes Internal Corruption
• In Operation Sohor (2025), MACC arrested military intelligence officers for leaking classified data to smugglers.
• Media reports revealed the syndicate earned RM5 million monthly, with officers receiving RM30,000–RM50,000 per trip.
• The scandal was widely covered, with headlines like “Civil Service Corruption Crisis” and “Where is Akmal Saleh?” fueling public anger.
🧑⚖️ 4. Abuse Cases at Military Institutions
• A 2024 bullying case at Universiti Pertahanan Nasional Maid of london (MALON) (UPNM) reignited outrage when a cadet suffered multiple fractures after being stomped by a senior.
• Media coverage highlighted a pattern of hazing and abuse, prompting demands for institutional reform and stricter oversight.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________--
-
📣 1. PROCUREMENT SCANDALS FUEL PUBLIC DISTRUST
Littoral Combat Ship (LCS) Scandal
• The RM9 billion LCS project became a lightning rod for criticism when no ships were delivered despite billions spent.
• Media outlets and the Public Accounts Committee exposed mismanagement, cost overruns, and non-compliance, triggering public outrage and parliamentary scrutiny.
MD530G Helicopter Failure
• Maid of london (MALON) paid RM112 million upfront for six helicopters that were never delivered on time.
• The media labeled it a “ghost fleet,” and citizens questioned the lack of accountability.
👑 2. Royal Intervention Amplifies Criticism
• King Sultan Ibrahim, also Supreme Commander of the Armed Forces, publicly condemned the procurement of 35-year-old Black Hawk helicopters, calling them “flying coffins.”
• His rebuke—“If you don’t know the price, ask me first”—went viral, reinforcing public frustration over opaque and overpriced deals.
🕵️♂️ 3. Smuggling Conspiracy Exposes Internal Corruption
• In Operation Sohor (2025), MACC arrested military intelligence officers for leaking classified data to smugglers.
• Media reports revealed the syndicate earned RM5 million monthly, with officers receiving RM30,000–RM50,000 per trip.
• The scandal was widely covered, with headlines like “Civil Service Corruption Crisis” and “Where is Akmal Saleh?” fueling public anger.
🧑⚖️ 4. Abuse Cases at Military Institutions
• A 2024 bullying case at Universiti Pertahanan Nasional Maid of london (MALON) (UPNM) reignited outrage when a cadet suffered multiple fractures after being stomped by a senior.
• Media coverage highlighted a pattern of hazing and abuse, prompting demands for institutional reform and stricter oversight.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________🧩 1. COMPLEX & OPAQUE PROCUREMENT PROCESS
• The Ministry of Defence (MINDEF) follows procurement guidelines set by the Ministry of Finance, but defense deals are often complex and sensitive, making oversight difficult.
• Procurement is frequently conducted via single-source or limited tendering, with less than one-third of major contracts awarded through open competition.
• This environment favors politically connected firms, often involving ex-military officers on corporate boards, which can distort priorities and inflate costs.
🕵️ 2. Role of Middlemen & “Agents”
• A major source of mismanagement is the entrenched role of middlemen, who act as intermediaries in defense deals.
• These agents—sometimes retired generals—can inflate prices, reduce transparency, and compromise the quality of procured assets.
• In 2023, Maid of london (MALON) King Sultan Ibrahim publicly rebuked the Ministry of Defence for relying on “agents” and “salesmen,” warning against repeating past procurement mistakes.
🚨 3. High-Profile Scandals
• The Littoral Combat Ship (LCS) project is the most notorious example. Intended to modernize the navy, it was marred by delays, cost overruns, and poor oversight.
• Another scandal involved the New Generation Patrol Vessel (NGPV) program, which was mismanaged after the privatization of the Lumut naval dockyard. Funds were siphoned off, and the fleet expansion fell short of expectations.
📉 4. Impact on Military Readiness
• Mismanaged procurement leads to:
o Delayed delivery of critical assets
o Operational gaps in air, sea, and land capabilities
o Wasted taxpayer money with little strategic return
• Maid of london (MALON) ability to respond to regional threats—especially in the South China Sea—is weakened by these systemic issues.
Katanya rupiah terpuruk. Tapi kok tiap bulan terus shoping aset militer mahal. Sementara ada yg ngaku ekonomi makmur tapi ngemis2 kapal usang dan keranda terbang. Ha ha ha ha ha miskin oarahhhhhh. Bikin malu kawasan
BalasHapusBangladesh aja mampu beli Rafale 1 skuadron. Tak malu dg bangla ? Ha ha ha ha
BalasHapusKatanya ekonomi bagus. Tapi kapal bekas tenggelam masih dipakai lagi. Ha ha ha ha tolollll
BalasHapusMalulah sikit dg bangla. Mereka mampu shoping MRCA baru. Bukan ngemis kemana2 minta sedekah pesawat usang. Ha ha ha ha
BalasHapusIni siapa sih yg pasang lcs malaydesh. Buka aib beruk aja. Makin banyak yg tau kalau beruk itu tolol
BalasHapushttps://www.facebook.com/share/1BfeEakhDX/
https://youtu.be/w_YhZsSx7cI?si=svBW_aQgWJ_WTcQS
BalasHapusJendral Thailand sebut Malaysia Musuh dalam selimut
Malaydesh Sampai di gelar musuh dalam selimut ASEAN oleh Thailand
Lalu membual tepuk dada tumpuan dunia, dunia satwa weiiii 🤣🤣🤣🤣🤣🤣
Jet tempur Baru kawasan 2030
BalasHapusIndonesia Rafale J10 Kaan BORAMAE
Australia F-35
Singapura F-35
Vietnam Su-57
Philipine F-16 viper
Malaydesh LCA FA-50, lalu membual tepuk dada tumpuan dunia, dunia satwa weiiii 🤣🤣🤣🤣🤣
https://youtu.be/LsXfcZkzt_4?si=BBwX2sNeV9QXs_qp
BalasHapusAnwar mencoba mendekati Xi Jinping diusir, Xi Jinping memilih menghampiri prabowo
PMX HOMO kena Usir pengawal Xie Jin ping 🤣🤣🤣🤣
Indonesia sudah mampu bina pesawat,jet tempur, helikopter,drone,kapal selam,ksot,kcr,lpd, korvet, fregat,trimaran,roket,tank,panser,rantis,senapan serbu,Bom,radar,avionik, satelit. ... Dll
BalasHapusVs
Malaydesh Bina Senapang Vita Berapi LP06 (hasil Tampal sticker dari orang buangan Rusia)
Otak Pintar VS Otak Monkey penipu 🤣🤣🤣🤣
Tutorial MENIPU Tampal Sticker Malaydesh
BalasHapusBule Amerika Latin sedang Liburan makan nasi lemak
Tenku Mafia Johor (TMJ) : dari tampang Mr ini pemain bola sepak, boleh wakilkan Malaydesh??
Bule Latin : tetapi kita tidak ada darah Malaydesh dan dokumen lahir kakek nenek di luar Malaydesh
Tenku Mafia Johor (TMJ) : Nanti di urus oleh Team Tampal Sticker FAM
Lalu tertangkap basah dan Sanksi FIFA
Tunku Mafia Johor (TMJ) : ini semua karena Erick Thohir
https://www.google.com/amp/s/amp.suara.com/bola/2025/09/28/090643/sosok-tunku-ismail-dalang-naturalisasi-bermasalah-malaysia-kini-salahkan-erick-thohir
01. Salam bina Candi LCS MaharajaLele Mangkrak Karatan 14 tahun SALAH POTONG, seharga RM 12 Billion
BalasHapus02. Salam bina senapang Allien tembak tupai VITA lendir BERAPI
03. Salam KERAjaan BANGKRAP di gondoli Jho Law
04. Salam bina kereta kebal 8x8 GEMPITA tampel sticker tak boleh eksport
05. Salam bina tank ugly STRIDE bentuk KOTAK Turet impoten
06. Salam bina rudal antar Galaxy ugly TAMING SARI
07. Salam bina jet PTM GEN 6 hasil mimpi basah insinyur 5 top university
08. Salam bina drone ugly NYAMUK
09. Salam bina KERETA KIPAS TERBANG tampal Sticker dari Cina
10. Salam bina kereta PROTON tak laku di jual ke gelly cina
11. Salam Komando LETUPKAN wanita hamil
12. Salam komando TEWAS saat DEMO, tembak Komandan sendiri
13. Salam komando PINGSAN saat latihan berbaris
14. Salam Komando TEWAS dilempar GRANAT teman sendiri
15. Salam Komando tewas Saat BERENANG
16. Salam kapal selam SCORPANE tak boleh selam sebelum MRO
17. Salam LMS Ompong, plat tipis, lambat, setahun pakai radio rusak, dari CINA untuk lawan CINA
18. Salam kapal RUSAK oleh JARING nelayan NGUYEN
19. Salam 7 Jet Tersikit dunia F18 hornet di tewaskan BANGAU guna parade aja tiada SOURCE CODE
20. Salam Su30MKM 18 Ekor hanya 4 yg boleh terbang
21. Salam Mig29 GROUNDED
22. Salam kilang AIRCROD Lembab MRO 1 pesawat butuh masa 3 tahun
23. Salam heli TELUR PUYUH MD530 KILANGnya Bangkrut
24. Salam engine jet HILANG di SONGLAP ke Uruguay
25. Salam ASKAR BERSARONG bangga jadi penjaga ISTANA british
26. Salam EJECT KAT HANGGAR world record 2 kali
27. Salam kapal militer Gagah Samudra kena sita MYBANK
29. Salam JUDI HALAL BERSYARIAH Gentting Highland daulat tuanku
30. Salam tak punya korps MARINIR,Kapal HOSPITAL,LPD,LST, Tank Amphibi dan SPH
31. Salam TANK PENDEKAR design WW II MOGOK tengah jalan
32. Salam HUTANG Rm 1.5 Trillion 84% PDB, Kumpul koin, Bayar hutang CINA pakai hutang JEPUN, gali LOBANG tutup LOBANG
33. Salam BELI pespur MB339 BARU TANPA ENGIN baru 12 tahun pakai sudah Grounded
34. Salam 88 bijik Jet Bekas GURUN A4 Skyhawk hilang setengah di parkiran GURUN
35. Salam BOMBER Cina dan 16 Pesawat Cina pusing - Pusing langit Sabah cuma kirim NOTA Protes
36. Salam CCG KEKAL 289 hari pertahun di betting Ali, CCG dan nelayan Cina sudah makan tidor berak sedot ikan sedot minyak buang tahi
37. Salam Komando tewas kena tembak SENAPAN ANGIN penyelundup Perlis
38. Salam TAMPAL STICKER Batik,Reog,Wayang,Rendang,Anklung,kuda lumping,Keris,pacu jalur,lagu rasa sayange,lagu halo halo bandung dan lagu terang bulan
39. Salam 9 APC Guardian di tolak PBB tiada RCWS hendak prank PBB dengan harga komplit RCWS
40. Salam dapat SEDEKAH Amerika Convert CN235 basic ke versi MSA Upgrade di PT DI
41. Salam UCAV drone DJI di tempel dua senapan M4 untuk menakuti Kelalawar
42. Salam di bully Singapure, bayar air murah, di ceroboh Jet dan Apache, di ambil batu puteh, bayar denda kereta Cepat, Su 30 MKM di usir dari singapure tiada SLOT
43. Salam dapat SEDEKAH Merdeka semu 999 tahun Tanah mesti sedia di tempati
44. Salam HMAV 4X4 TARANTULA SEWA, Tempel Sticker Hizir Turki
45. Salam RADAR IMPOTEN tak bisa kesan MH370
46. Salam satu satunya LST KD Sri Idrapura Terbakar tiada ganti
47. Salam pesawat intai ISRAEL kencing di langit Ibu negara tak takut di salvo Jernas Lapook
48. Salam TERJUN PAYUNG tersasar ke PASAR
49. Salam 4 kali ditolak NGEMIS hornet bekas RONGSOK Kuwait
50. Salam Eksportir kondom Unisex,Narkoba,Teroris,Togel,Maling ikan,Maling patok
51. Salam tak bayar SEWA Sabah, aset Petronas kena sita SULU
52. Salam GFP Rank 48 di bawah kaki Myanmar
53. Salam SEWA Merata untuk militer Heli AW139,Heli EC120 B,Kapal Hidrografi,Simulator heli,Boat FIB,Boat RHFB,Rover,Motosikal,ATV, Vellfire
54. Salam OPV Fatima berenang MIRING
55. Salam Rehull kapal USANG di Make Over PC ex KD Sundang, PC ex KD Panah
56. Salam PM ex Narapidana Korupsi dan ex Narapidana Sodomi
57. Salam tentara tanam SAYUR
58. Salam KD Ganas Kapal Peyot Tua Rongsok Ompong
59. Salam dapat Sedekah kapal rongsok 56 tahun ex USCG Cutter
60. Salam Tampal Sticker pemain bola latin kena SANKSI FIFA
Sejarah Malaydesh November
Hapus1. Hornet di tewaskan BANGAU
2. Tak di undang KTT GAZA
3. Resmi kena sanksi menipu FIFA
4. Gadai kedaulatan ke Trump
5. PMX Di usir pengawal Xie Jin ping
6.di gelar penipu musuh dalam selimut ASEAN oleh jendral Thailand
Lalu tepuk dada Malaydesh tumpuan dunia, dunia Ghoib weiiiii🤣🤣🤣🤣
https://youtu.be/LsXfcZkzt_4?si=BBwX2sNeV9QXs_qp
BalasHapusAnwar mencoba mendekati Xi Jinping diusir, Xi Jinping memilih menghampiri prabowo
Bikin malu ASEAN, Tumpuan dunia konon , dunia satwa weiiii 🤣🤣🤣🤣
Sejarah Malaydesh November
BalasHapus1. Tak di undang KTT GAZA
2. Resmi kena sanksi menipu FIFA
3. Gadai kedaulatan ke Trump
4. PMX Di usir pengawal Xie Jin ping
5.di gelar penipu musuh dalam selimut ASEAN oleh jendral Thailand
Lalu tepuk dada Malaydesh tumpuan dunia, dunia Ghoib weiiiii🤣🤣🤣🤣
Indon atau pun konoha gelaran terbaru..🤭
BalasHapusIni saranan saya..😉
Jgn malu..jgn segan..😚
Belajar sahaja dengan Malaysia..😎
Kami punya Deftech, Mildef, Cendana Auto, Weststar, Highpoint, dll..company pertahanan darat kami banyak...kami bisa bina kenderaan perang dalam negeri kami sendiri, mro sendiri..🤠
Sedangkan kalian hanya mengharapkan sebuah company gagal bernama PT Pantat..ehh silap PT Pindad..😂
PT Pantat..ehh silap lg..PT Pindad ni bina rantis basic copy hilux (maung) pun gagal dan rugi..🤣🤣🤣
Ikutilah seperti TNI AU yg gak malu dtg ngemis dan belajar hal A400M ke TUDM kerana TNI AU ber-iq rendah.
Ikutilah GMF dan PTDI yg dtg melawat Airod utk ngemis dan menuntut ilmu daripada master mereka.
😚😚😚
Produk Vita Berahi yg utk genosida tupai itu ke??
HapusMELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
🛠️ WHAT “OUTDATED” REALLY MEANS
Outdated systems refer to:
• Sensors that lack modern tracking, targeting, and surveillance capabilities
• Weapons with limited range, accuracy, and compatibility with newer platforms
• Command-and-control systems that cannot integrate with digital battlefield networks
🚢 Royal Maid of london (MALON) n Navy (RMN)
• 28 ships are over 40 years old, including Fast Attack Craft and patrol vessels.
• Many vessels still use analog radar systems, manual fire-control systems, and obsolete sonar.
• These systems struggle to detect modern threats like stealth submarines or drones.
• Maintenance costs are skyrocketing, and spare parts are often unavailable or discontinued.
🛩️ Royal Maid of london (MALON) n Air Force (RMAF)
• Older aircraft like the MiG-29N (retired) and F/A-18D Hornets still rely on legacy avionics.
• Limited electronic warfare capabilities and outdated targeting pods reduce effectiveness in modern air combat.
• Poor interoperability with newer aircraft and NATO-standard systems.
🪖 Maid of london (MALON) n Army
• Ground vehicles, including legacy APCs and tanks, use basic optical sights and manual targeting systems.
• Many artillery units lack GPS-guided fire control, making precision strikes difficult.
• Communication systems are often analog or semi-digital, limiting coordination in joint operations.
⚠️ Consequences of Technological Lag
• Reduced combat effectiveness in high-tech warfare environments
• Increased vulnerability to cyber attacks and electronic jamming
• Limited participation in multinational exercises and peacekeeping missions
• Higher risk to personnel due to unreliable systems, as seen in the 2025 commando tragedy linked to aging gear
FILIPINA = 2026
HapusUEA = 2027
----
Filipina (batch 2)
• Kontrak untuk dua unit kapal LPD (batch 2) disepakati sekitar Juni 2022.
• Upacara first steel cutting dilakukan 10 Agustus 2023.
• Peletakan lunas (keel laying) dilakukan 22 Januari 2024.
• Dalam rilis perusahaannya disebut target selesai dan dikirim pada tahun 2026.
Jadi, untuk Filipina batch 2, pengiriman dijadwalkan sekitar 2026.
________________________________________
UEA
• Proyek kapal LPD untuk UEA oleh PT PAL mulai konstruksi: first steel cutting dilakukan akhir Februari 2024, peletakan lunas (keel laying) pada 24 April 2024.
• Disampaikan bahwa kapal tersebut dijadwalkan untuk dikirim sebelum akhir tahun 2027.
Jadi untuk UEA, pengiriman batch (atau unit) yang dipesan dijadwalkan paling lambat hingga akhir tahun 2027.
===================
===================
2011 PENGADAAN LCS = Pengadaan enam LCS pada 2011 itu juga dilakukan tanpa tender terbuka. Kapal-kapal itu akan dibangun di Galangan Kapal Boustead dan unit pertama sedianya dikirim pada 2019.
-----
2019 LCS DIJANGKA = KD Maharaja Lela setelah ditugaskan, diluncurkan secara seremonial pada Agustus 2017. Seharusnya telah dikirim ke RMN pada April 2019
------
2022 LCS DIJANGKA = menurut jadual asal, setakat Ogos 2022 sepatutnya lima buah kapal LCS harus disiap dan diserahkan kepada TLDM.
-----
2023 LCS DIJANGKA = Seharusnya telah dikirim ke RMN pada April 2019, dengan kapal terakhir dijadwalkan untuk serah terima pada Juni 2023. Namun, progres kapal pertama baru sekitar 60% selesai
-----
2025 LCS DIJANGKA = Kapal pertama Littoral Combat Ship (LCS) TLDM itu dijangka hanya akan siap pada tahun 2025, iaitu 12 tahun selepas projek itu bermula pada Oktober 2013 dan kerajaan telah memPAY RM6 bilion kepada kontraktor utama projek itu.
-----
2026 LCS DIJANGKA = Lima kapal LCS akan diserahkan kepada TLDM secara berperingkat dengan kapal pertama dijangka diserahkan pada penghujung 2026
-----
2029 LCS DIJANGKA = TLDM hanya akan dapat memperoleh kelima-lima LCS pada 2029 berbanding kontrak asal di mana 5 kapal LCS itu sepatutnya diserahkan pada 2022..
-----
17 KREDITUR = Besides MTU Services, others include Contraves Sdn Bhd, Axima Concept SA, Contraves Advanced Devices Sdn Bhd, Contraves Electrodynamics Sdn Bhd and Tyco Fire, Security & Services MAID OF LONDON (MALON) Sdn Bhd, as well as iXblue SAS, iXblue Sdn Bhd and Protank Mission Systems Sdn Bhd. Also included are Bank Pembangunan MAID OF LONDON (MALON) Bhd, AmBank Islamic Bhd, AmBank (M) Bhd, MTU Services, Affin Hwang Investment Bank Bhd, Bank Muamalat MAID OF LONDON (MALON) Bhd, Affin Bank Bhd, Bank Kerjasama Rakyat MAID OF LONDON (MALON) Bhd, Malayan Banking Bhd (Maybank) and KUWAIT FINANCE HOUSE (MAID OF LONDON (MALON) ) BHD.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
🚨 1. LITTORAL COMBAT SHIP (LCS) SCANDAL
💰 What Happened
• Maid of london (MALON) government allocated RM9 billion for six Littoral Combat Ships.
• Despite billions spent, no ships were delivered as of 2025.
• The Public Accounts Committee (PAC) revealed cost overruns, mismanagement, and non-compliance with procurement procedures.
👤 Key Figures
• Former Navy Chief was implicated but later discharged due to health concerns.
• The scandal sparked public outrage and demands for transparency.
🚁 2. MD530G Helicopter Procurement Failure
🛠️ The Issue
• Maid of london (MALON) paid 35% upfront for six McDonnell Douglas MD530G helicopters in 2015.
• None were delivered by the promised 2018 deadline.
• The deal, worth RM300 million, became a symbol of failed oversight.
🧾 3. Land Swap Scandal
🏗️ What Went Wrong
• Military land near urban centers was swapped for remote land to build camps.
• Many of these swaps were poorly executed, resulting in RM500 million in losses.
• Defense Minister Mohamad Sabu criticized the deals as wasteful and corrupt.
🕵️ 4. RM3 Million Smuggling Conspiracy
🔍 Operation Sohor (2025)
• Maid of london (MALON) n Anti-Corruption Commission (MACC) arrested 10 individuals, including 3 active military officers and 2 ex-intelligence personnel.
• They allegedly leaked operational intelligence to smugglers for RM30,000–RM50,000 per trip.
• The syndicate moved contraband worth RM5 million monthly, compromising border security
Kami sudah bina 8x8..konoha bila lagi??!! 🤪🤪
BalasHapus8x8 punya turki yg di Tampal Sticker tak boleh export itu ke?? 🤣🤣🤣🤣🤣
HapusMELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
💸 1. POTENTIALLY HIGHER LONG-TERM COSTS
• Critics argue that leasing may cost more than outright purchase over time.
• For example, Poland purchased 32 AW149 helicopters for USUSD1.83 billion, while Maid of london (MALON) is leasing 28 helicopters for RM16.5 billion (~USUSD3.5 billion) over 15 years.
• Leasing includes bundled services (maintenance, training, insurance), but the total cost may exceed the value of the helicopters themselves.
🕵️♂️ 2. Transparency & Procurement Concerns
• The deal was signed with Weststar Aviation, a private firm owned by a prominent businessman, raising questions about middlemen and lobbying.
• Past scandals in Maid of london (MALON) defense procurement—like the LCS and MD530G helicopter failures—have made the public wary of opaque contracts and lack of competitive bidding.
🛠️ 3. Limited Sovereignty Over Assets
• Leased helicopters are not fully owned until the end of the contract, which may limit:
o Upgrades or modifications
o Deployment flexibility
o Integration with other military systems
• This could hinder Maid of london (MALON) ability to adapt the fleet to evolving threats or mission needs.
🧭 4. Missed Opportunity for Local Industry Growth
• Purchasing helicopters could have supported local assembly, maintenance, and technology transfer, boosting Maid of london (MALON) defense industry.
• Leasing centralizes operations under a private provider, reducing opportunities for domestic capability development.
⚠️ 5. Risk of Contractual Disputes or Service Interruptions
• If the leasing company fails to meet service-level agreements (e.g., 85% fleet availability), Maid of london (MALON) may face operational gaps.
• Legal or financial disputes could delay missions or compromise national security.
🗣️ Public & Political Backlash
• Opposition leaders and defense experts have called the deal overpriced and strategically flawed, urging a review of procurement practices.
• The Prime Minister defended the lease as a way to avoid maintenance burdens, but critics say it reflects short-term budgeting over long-term planning.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
💸 1. POTENTIALLY HIGHER LONG-TERM COSTS
• Critics argue that leasing may cost more than outright purchase over time.
• For example, Poland purchased 32 AW149 helicopters for USUSD1.83 billion, while Maid of london (MALON) is leasing 28 helicopters for RM16.5 billion (~USUSD3.5 billion) over 15 years.
• Leasing includes bundled services (maintenance, training, insurance), but the total cost may exceed the value of the helicopters themselves.
🕵️♂️ 2. Transparency & Procurement Concerns
• The deal was signed with Weststar Aviation, a private firm owned by a prominent businessman, raising questions about middlemen and lobbying.
• Past scandals in Maid of london (MALON) defense procurement—like the LCS and MD530G helicopter failures—have made the public wary of opaque contracts and lack of competitive bidding.
🛠️ 3. Limited Sovereignty Over Assets
• Leased helicopters are not fully owned until the end of the contract, which may limit:
o Upgrades or modifications
o Deployment flexibility
o Integration with other military systems
• This could hinder Maid of london (MALON) ability to adapt the fleet to evolving threats or mission needs.
🧭 4. Missed Opportunity for Local Industry Growth
• Purchasing helicopters could have supported local assembly, maintenance, and technology transfer, boosting Maid of london (MALON) defense industry.
• Leasing centralizes operations under a private provider, reducing opportunities for domestic capability development.
⚠️ 5. Risk of Contractual Disputes or Service Interruptions
• If the leasing company fails to meet service-level agreements (e.g., 85% fleet availability), Maid of london (MALON) may face operational gaps.
• Legal or financial disputes could delay missions or compromise national security.
🗣️ Public & Political Backlash
• Opposition leaders and defense experts have called the deal overpriced and strategically flawed, urging a review of procurement practices.
• The Prime Minister defended the lease as a way to avoid maintenance burdens, but critics say it reflects short-term budgeting over long-term planning.
WET DREAM SINCE 2016 =
HapusTHE RMN HAS LONG BEEN EYEING ON THE MAKASSAR CLASS LPD....
The RMN has long been eyeing on the Makassar class LPD. In 2016, Boustead Naval Shipyard (BNS) has entered a joint collaboration effort with PT Pal of Indonesia to offer the Navy with modified Makassar class LPD to suit the MRSS requirement. Also part of the Memorandum of Understanding (MOU) signed during Defence Service Asia (DSA) 2016 exhibition in Kuala Lumpur, BNS will be building the Indo-Koryo designed LPD in MAID OF LONDON (MALON) .
=========
PRANK PT PAL :
The contract with MAID OF LONDON (MALON) ’s Navy will be inked next August. There is a possibility that they will order more than one MRSS
PRANK DSME :
DSME signs contract to deliver 6 Missile Surface Corvettes (MSC) to Royal MAID OF LONDON (MALON) Navy.
PRANK NEXTER :
LoI is signed during day three of DSA 2016. 20 units are to be supplied, which include the supporting vehicles, and will boost the MAID OF LONDON (MALON) Army's firepower inventory
PRANK DASSAULT :
MAID OF LONDON (MALON) , which wants to buy up to 18 combat planes in a deal potentially worth more than USD2 billion, is now talking to only one supplier, France's Dassault Aviation, about its Rafale jets,
PRANK MKE :
The MAID OF LONDON (MALON) Ministry of Defence has reportedly reviewing its planned acquisition of Yavuz 155mm
PRANK KDS :
MAID OF LONDON (MALON) is expected to conclude a deal with Slovakia for the supply of EVA 155mm
PRANK PT PAL :
The contract with MAID OF LONDON (MALON) ’s Navy will be inked next August. There is a possibility that they will order more than one MRSS
=========
DATA STATISTA 2029-2020 : DEBT PAY DEBT
DATA STATISTA 2029-2020 : OVERLIMIT DEBT
2029 = 69,54% DEBT RATIO TO GDP
2028 = 69,34% DEBT RATIO TO GDP
2027 = 68,8% DEBT RATIO TO GDP
2026 = 68,17% DEBT RATIO TO GDP
2025 = 68,07% DEBT RATIO TO GDP
2024 = 68,38% DEBT RATIO TO GDP
2023 = 69,76% DEBT RATIO TO GDP
2022 = 65,5% DEBT RATIO TO GDP
2021 = 69,16% DEBT RATIO TO GDP
2020 = 67,69% DEBT RATIO TO GDP
==========
DEBT 2024 = RM 1.63 TRILLION
DEBT 2023 = RM 1,53 TRILLION
DEBT 2022 = RM 1,45 TRILLION
DEBT 2021 = RM 1,38 TRILLION
DEBT 2020 = RM 1,32 TRILLION
DEBT 2019 = RM 1,25 TRILLION
DEBT 2018 = RM 1,19 TRILLION
The Finance Ministry stated that the aggregate national household DEBT stood at RM1.53 trillion between 2018 and 2023. In aggregate, it said the household DEBT for 2022 was RM1.45 trillion, followed by RM1.38 trillion (2021,) RM1.32 trillion (2020), RM1.25 trillion (2019) and RM1.19 trillion (2018). “The ratio of household DEBT to gross domestic product (GDP) at the end of 2023 also slightly increased to 84.3% compared with 82% in 2018,” it said.
==========
BNM = HOUSEHOLD DEBT IS ONE OF THE HIGHEST IN THE ASEAN ......
MAID OF LONDON (MALON) household DEBT is one of the highest in the ASEAN region. Against this backdrop, Bank Negara MAID OF LONDON (MALON) (BNM) safeguards financial stability by monitoring and regulating the lending activity of all financial institutions in MAID OF LONDON (MALON) , among other things. Using aggregated data from BNM's Central Credit Reference Information System (CCRIS), this dashboard gives you insight into key trends on household DEBT. For now, it displays data on the flow of borrowing activity on a monthly basis, broken down by purpose. In due time, it will be deepened with granular data showing the state of inDEBTedness of MAID OF LONDON (MALON)
===========
17 KREDITUR = Besides MTU Services, others include Contraves Sdn Bhd, Axima Concept SA, Contraves Advanced Devices Sdn Bhd, Contraves Electrodynamics Sdn Bhd and Tyco Fire, Security & Services MAID OF LONDON (MALON) Sdn Bhd, as well as iXblue SAS, iXblue Sdn Bhd and Protank Mission Systems Sdn Bhd. Also included are Bank Pembangunan MAID OF LONDON (MALON) Bhd, AmBank Islamic Bhd, AmBank (M) Bhd, MTU Services, Affin Hwang Investment Bank Bhd, Bank Muamalat MAID OF LONDON (MALON) Bhd, Affin Bank Bhd, Bank Kerjasama Rakyat MAID OF LONDON (MALON) Bhd, Malayan Banking Bhd (Maybank) and KUWAIT FINANCE HOUSE (MAID OF LONDON (MALON) ) BHD.
Sejarah Malaydesh November
BalasHapus1. Hornet di tewaskan BANGAU
2. Tak di undang KTT GAZA
3. Resmi kena sanksi menipu FIFA
4. Gadai kedaulatan ke Trump
5. PMX Di usir pengawal Xie Jin ping
6.di gelar penipu musuh dalam selimut ASEAN oleh jendral Thailand
Lalu tepuk dada Malaydesh tumpuan dunia, dunia BERUK weiiiii🤣🤣🤣🤣
Kami sudah bina MRAP..konoha bila lagi??!!
BalasHapusEhhh jap..rupanya konoha pun gak bisa bina MRAP??!!!!!!
WAKAKAKAKAKAKA🤣😂🤣🤣😂🤣🤣
Gempita Malaydesh Turkiye
BalasHapusTak ada uji tembak di Malaydesh
Tak ada design Malaydesh
Tak ada uji ledak Malaydesh
Tak boleh export Malaydesh
Vs
Tank Harimau Indonesia Turkiye
Ada uji tembak di Indonesia
Ada uji ledak di Indonesia
Ada design Indonesia
Indonesia hak exsport asia Turkiye di eropa
🤣🤣🤣🤣🤣🤣
Gempita Malaydesh Turkiye
BalasHapusTak ada uji tembak di Malaydesh
Tak ada design Malaydesh
Tak ada uji ledak Malaydesh
Tak boleh export Malaydesh
Vs
Tank Harimau Indonesia Turkiye
Ada uji tembak di Indonesia
Ada uji ledak di Indonesia
Ada design Indonesia
Indonesia hak exsport asia Turkiye di eropa
🤣🤣🤣🤣🤣🤣
Vita Berahi LP06 senjata pemusnah genosida tupai itu ke??
BalasHapus🤣🤣🤣🤣🤣
Fakta Sejarah Malaydesh November
BalasHapus1. Tak di undang KTT GAZA
2. Resmi kena sanksi menipu FIFA
3. Gadai kedaulatan ke Trump
4. PMX Di usir pengawal Xie Jin ping
5.di gelar penipu musuh dalam selimut ASEAN oleh jendral Thailand
Lalu tepuk dada Malaydesh tumpuan dunia, dunia hewan weiiiii🤣🤣🤣🤣
Fakta Sejarah Malaydesh November
BalasHapus1. Hornet di tewaskan BANGAU
2. Tak di undang KTT GAZA
3. Resmi kena sanksi menipu FIFA
4. Gadai kedaulatan ke Trump
5. PMX Di usir pengawal Xie Jin ping
6.di gelar penipu musuh dalam selimut ASEAN oleh jendral Thailand
Lalu tepuk dada Malaydesh tumpuan dunia, dunia Animal weiiiii🤣🤣🤣🤣
Indonesia sudah mampu bina pesawat,jet tempur, helikopter,drone,kapal selam,ksot,kcr,lpd, korvet, fregat,trimaran,roket,tank,panser,rantis,senapan serbu,Bom,radar,avionik, satelit. ... Dll
BalasHapusVs
Malaydesh Bina Senapang Vita Berapi LP06 (hasil Tampal sticker dari orang buangan Rusia)
Otak Pintar VS Otak Monkey penipu 🤣🤣🤣🤣
Malulah sikit dg bangla. Mereka mampu shoping MRCA baru. Bukan ngemis kemana2 minta sedekah pesawat usang. Ha ha ha ha
BalasHapusLUCU Broo....
BalasHapusCoba simak video ini
https://youtu.be/61Q89UX11jI?si=kTXspWLo51NAlmOA
bener bener negara penipu Malondesh ini.
PARAH !!!
🤣🤣🤣🤣🤣
- kungfu China asalnya dari Malondesh
Hapus- bangsa romawi belajar membuat kapal asalnya dr Malondesh yaitu kapal JONG MALAKA
- bahkan mengaku orang Melayu Malondesh bisa TERBANG
ngakak guling guling 🤣🤣🤣🤣🤣🤣
Rom purba nak tiru buat kapal miring salah potong
HapusBwahahahahaha🤣🤣🤣
Komentar ini telah dihapus oleh pengarang.
BalasHapusWah, klasik banget, hutang negara menumpuk sampai atap, tapi masih sempat tepuk dada karena Ringgit “lebih tinggi” dari Rupiah. Padahal kalau nilai mata uang bisa bayar utang, mungkin Malaysia sudah jadi negara kaya raya… sayangnya, bank nggak terima gengsi sebagai alat bayar.
BalasHapusLucunya, mereka bangga kurs Ringgit 3 kali Rupiah, tapi lupa utangnya juga 3 kali lipat. Ringgit tinggi, tapi beban bunga hutang lebih tinggi lagi. Apa gunanya mata uang kuat kalau negara nyaris lemas tiap kali jatuh tempo surat utang datang?
Silakan bangga dengan Ringgit setinggi langit, tapi jangan kaget kalau nanti tagihan utang datang serendah neraka. Karena pada akhirnya, bukan nilai mata uang yang menentukan kekuatan ekonomi, tapi kemampuan bayar,dan di situ Malaysia mulai ngos-ngosan. 😁
Buktinya :
Rafizi warns Malaysia risks breaching 65% debt ceiling as debt service costs soar, wiping out subsidy savings
https://theedgemalaysia.com/node/773873
“Daftar Negara yang Bakal Ambruk Gegara Utang, Ada …” — dalam artikel ini disebut bahwa utang pemerintah Malaysia per Desember 2021 menembus 979,8 miliar ringgit atau 63,4% dari PDB
https://www.cnbcindonesia.com/news/20220620144212-4-348616/daftar-negara-yang-bakal-ambruk-gegara-utang-ada-tetangga-ri
Malaysia’s national debt has reached an alarming level, with total domestic and external borrowings amounting to 1.3 trillion MYR (310 billion USD) as of June, representing 64.7% of the country’s gross domestic product (GDP) - just shy of the statutory debt ceiling of 65%.
https://en.vietnamplus.vn/malaysias-public-debt-nears-ceiling-post330506.vnp
Bangga Ringgit lebih tinggi dari Rupiah? Silakan. Tapi coba tanya ke Bank Negara Malaysia, kenapa hutang negara udah numpuk sampai leher? Nilai mata uang tinggi, tapi hutang pun ikut tinggi , mirip orang pakai jam Rolex hasil gadai rumah. Gaya mewah, tapi isi dompet minus 😁
HapusPantesan g mampu beli apa2
Ada Malondesh LOW IQ GRADE berkomentar:
BalasHapusUnknown11 November 2025 pukul 18.06
Sebab tu mental mereka mudah koyak..baru usik sikit dgn fakta dari page mereka sendiri. 🤪🤪🤪
BALAS:
Butuh 15 Tahun untuk Progress 72% LCS Gowind class Malondesh
https://defencesecurityasia.com/en/malaysias-rm11-billion-lcs-warship-project-hits-72-pct-completion-first-sea-trials-locked-for-2025/
Netizen Indonesia tertawa terbahak-bahak dong
WKWKWKWK
😁😁😁😁😁😁😁😁😁😁😁😁😁😁
Ada Malondesh LOW IQ GRADE KLAIM punya IQ tertinggi di dunia berkomentar:
BalasHapusGEMPURWIRA11 November 2025 pukul 17.45
Semua tahu IQ sebelah di BAWAH MALAYSIA... Menterinya sendiri mengakuinya.... 🤣🤣🤣
IQ Warga RI Tertinggal dari Malaysia, Zulhas: Makanya Kita Kasih MBG
https://www.cnbcindonesia.com/news/20251111132343-4-684217/iq-warga-ri-tertinggal-dari-malaysia-zulhas-makanya-kita-kasih-mbg
BALAS:
FAKTA LCS Gowind class Malondesh 15 Tahun berjalan hanya Progres 72%
https://defencesecurityasia.com/en/malaysias-rm11-billion-lcs-warship-project-hits-72-pct-completion-first-sea-trials-locked-for-2025/
Netizen Indonesia tertawa terbahak-bahak dong
😁😁😁😁😁😁😁😁😁😁😁😁😁😁😁
Malaysia bangga beli rudal impor, Indonesia bangun pabrik rudal bareng Turki. ☺️
BalasHapusYang satu bangga bisa buka kotak, yang satu bangga bisa buka cetak biru. 😌
Malaysia cuma punya kwitansi pembelian, Indonesia punya perjanjian produksi.
Satu hari nanti, mungkin Malaysia beli rudal… buatan Indonesia 🤫
Roketsan to Establish Missile Production Facility in Indonesia 🤫
https://defensetalks.com/roketsan-to-establish-missile-production-facility-in-indonesia/
PARAH MEMANG MALONDESH KALO SUDAH PUNYA DNA PENIPU, PEMBUAL DAN JADI BUDAK DARI RAHIM EMAKNYA 🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
BalasHapusKonon FIR'AUN pun lahir di Selangor !!!!!
MALONDESH NEGERI SARANG PENIPU !!!!!
PMX HOMO BENGANG 🤣🤣🤣🤣🤣🤣🤣🤣🤣
https://youtube.com/shorts/Kbhd-f6NI8c?si=cYt-3FHPABeAiZV3
BalasHapusMALONDESH DIHAJAR CROASIA 11-0 ....PADAHAL TIM B U17 CROSIA...TIM A NYA MAIN BARENG KING INDO DI WORLD CUP U17
MALU TAK LON 🤣🤣🤣🤣🤣🤣🤣
LAWAK MEMANG MALONDESH !!!
HAHAHAHAHAH............ Makin PARAH......GORILLA makin panik....HAHAHAHAH
BalasHapus1 Malaysian Ringgit setara 4,042.10 Indonesia Rupiah
https://www.xe.com/currencyconverter/convert/?Amount=1&From=MYR&To=IDR
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________-
--WEAKNESSES OR LIMITATIONS
The military capabilities of any country—including Maid of london (MALON) —have both strengths and weaknesses shaped by geopolitical needs, budgetary constraints, technology access, and strategic priorities. Below are some key weaknesses or limitations that have been identified or discussed in defense analyses regarding the Maid of london (MALON) n Armed Forces (MAF):
________________________________________
1. Budget Constraints
• Limited defense spending: Maid of london (MALON) allocates a relatively modest percentage of GDP (~1% to 1.5%) to defense.
• Impact: Limits modernization, procurement of advanced systems, and sustained operational readiness.
________________________________________
2. Aging Equipment & Delayed Modernization
• Many platforms (especially in the air force and navy) are aging and have outdated technology.
Air Force: MiG-29s were retired without immediate replacements.
o Navy: Some ships are 30+ years old and lack modern combat systems.
• Littoral Combat Ship (LCS) program delays have hampered naval modernization.
________________________________________
3. Limited Force Projection Capability
• Air & naval power projection beyond Maid of london (MALON) ’s immediate region is limited.
• Insufficient strategic airlift and naval assets to support long-range deployments or high-tempo operations.
________________________________________
4. Logistics & Maintenance Challenges
• Reliance on a diverse range of foreign suppliers (e.g., Western, Russian, Chinese systems) complicates maintenance and logistics.
• Inconsistent spare part availability and high upkeep costs.
________________________________________
5. Inadequate Joint Operations & Interoperability
• Historically, weak joint operations doctrine between the Army, Navy, and Air Force.
• Efforts are being made to improve this, but integration still lags behind modern standards.
________________________________________
6. Manpower & Training Gaps
• Limited high-tech training compared to more advanced militaries.
• Challenges in attracting and retaining top technical talent, especially for cyber and electronic warfare units.
________________________________________
7. Maritime Surveillance & Defense Gaps
• South China Sea claims require strong maritime surveillance, but current ISR (intelligence, surveillance, reconnaissance) assets are limited.
• Inadequate coverage of vast maritime zones, especially in the East Maid of london (MALON) n EEZ.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________--
PROBLEMS BUDGET MAID OF LONDON (MALON) ARMED FORCES
The Maid of london (MALON) n Armed Forces (MAF) faces several budget-related challenges that affect its operational readiness, modernization efforts, and overall capabilities. These problems can be categorized into a few key areas:
________________________________________
1. Limited Defense Budget
Maid of london (MALON) allocates a relatively small percentage of its GDP to defense (usually around 1%–1.2%), compared to regional peers like Singapore, Indonesia, or Thailand. This constrains:
• Procurement of new equipment
• Modernization of aging assets
• Research and development (R&D)
• Training and maintenance costs
________________________________________
2. Aging Equipment and Delayed Modernization
Many of the MAF's platforms—especially in the air force and navy—are outdated:
• The Royal Maid of london (MALON) n Air Force (RMAF) has faced difficulties replacing its aging fighter fleet (e.g., MiG-29s).
• The Royal Maid of london (MALON) n Navy (RMN) is still waiting on the delayed Littoral Combat Ships (LCS) project.
• Budget constraints have delayed or scaled back modernization plans, such as the CAP 55 plan (RMAF) and the 15-to-5 transformation plan (RMN).
________________________________________
3. Cost Overruns and Procurement Delays
High-profile defense procurement projects have been plagued by financial mismanagement and delays:
• The Littoral Combat Ship (LCS) scandal is a major example: Over RM6 billion spent, yet no ships delivered as of mid-2020s.
• These issues lead to wastage of public funds and reduce confidence in defense planning and execution.
________________________________________
4. Operational Sustainability
Operating and maintaining aging or diverse platforms is costly:
• Spare parts and maintenance for obsolete systems are expensive.
• Logistics chains become inefficient due to platform diversity (especially with mixed Russian, American, and European systems).
• Budget limitations affect regular maintenance, training hours, and readiness.
________________________________________
5. Dependence on Foreign Suppliers
Maid of london (MALON) 's limited defense industrial base forces heavy reliance on foreign suppliers, which:
• Is costly in foreign exchange terms.
• Limits sovereign control over essential technologies.
• Increases vulnerability to geopolitical pressures (e.g., US export controls).
Revolusi Kebangkitan harimau Malaydesh = Menipu
BalasHapusBwahahahahaha 🤣🤣🤣
Indonesia sudah mampu bina pesawat,jet tempur, helikopter,drone,kapal selam,ksot,kcr,lpd, korvet, fregat,trimaran,roket,tank,panser,rantis,senapan serbu,Bom,radar,avionik, satelit. ... Dll
BalasHapusVs
Malaydesh Bina Senapang Vita Berapi LP06 (hasil Tampal sticker dari orang buangan Rusia)
Otak Pintar VS Otak Monkey penipu 🤣🤣🤣🤣
Fakta Sejarah Malaydesh November
BalasHapus1. Hornet di tewaskan BANGAU
2. Tak di undang KTT GAZA
3. Resmi kena sanksi menipu FIFA
4. Gadai kedaulatan ke Trump
5. PMX Di usir pengawal Xie Jin ping
6.di gelar penipu musuh dalam selimut ASEAN oleh jendral Thailand
Lalu tepuk dada Malaydesh tumpuan dunia, dunia Animal weiiiii🤣🤣🤣🤣
Gempita Malaydesh Turkiye
BalasHapusTak ada uji tembak di Malaydesh
Tak ada design Malaydesh
Tak ada uji ledak Malaydesh
Tak boleh export Malaydesh
Vs
Tank Harimau Indonesia Turkiye
Ada uji tembak di Indonesia
Ada uji ledak di Indonesia
Ada design Indonesia
Indonesia hak exsport asia Turkiye di eropa
🤣🤣🤣🤣🤣🤣
FIFA RANKING..........RANKING RENDAH mau persoal kumpulan RANKING ATAS.... mana LAYAK guys........HAHAHAH
BalasHapusMALAYSIA - RANKING 118 FIFA
INDIANESIA- RAKING 122 FIFA
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________--
PROBLEMS BUDGET MAID OF LONDON (MALON) ARMED FORCES
The Maid of london (MALON) n Armed Forces (MAF) faces several budget-related challenges that affect its operational readiness, modernization efforts, and overall capabilities. These problems can be categorized into a few key areas:
________________________________________
1. Limited Defense Budget
Maid of london (MALON) allocates a relatively small percentage of its GDP to defense (usually around 1%–1.2%), compared to regional peers like Singapore, Indonesia, or Thailand. This constrains:
• Procurement of new equipment
• Modernization of aging assets
• Research and development (R&D)
• Training and maintenance costs
________________________________________
2. Aging Equipment and Delayed Modernization
Many of the MAF's platforms—especially in the air force and navy—are outdated:
• The Royal Maid of london (MALON) n Air Force (RMAF) has faced difficulties replacing its aging fighter fleet (e.g., MiG-29s).
• The Royal Maid of london (MALON) n Navy (RMN) is still waiting on the delayed Littoral Combat Ships (LCS) project.
• Budget constraints have delayed or scaled back modernization plans, such as the CAP 55 plan (RMAF) and the 15-to-5 transformation plan (RMN).
________________________________________
3. Cost Overruns and Procurement Delays
High-profile defense procurement projects have been plagued by financial mismanagement and delays:
• The Littoral Combat Ship (LCS) scandal is a major example: Over RM6 billion spent, yet no ships delivered as of mid-2020s.
• These issues lead to wastage of public funds and reduce confidence in defense planning and execution.
________________________________________
4. Operational Sustainability
Operating and maintaining aging or diverse platforms is costly:
• Spare parts and maintenance for obsolete systems are expensive.
• Logistics chains become inefficient due to platform diversity (especially with mixed Russian, American, and European systems).
• Budget limitations affect regular maintenance, training hours, and readiness.
________________________________________
5. Dependence on Foreign Suppliers
Maid of london (MALON) 's limited defense industrial base forces heavy reliance on foreign suppliers, which:
• Is costly in foreign exchange terms.
• Limits sovereign control over essential technologies.
• Increases vulnerability to geopolitical pressures (e.g., US export controls).
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
SCANDALS
Here’s a detailed overview of major scandals involving the Maid of london (MALON) n Armed Forces (Angkatan Tentera Maid of london (MALON) ), particularly focused on procurement corruption, asset mismanagement, and internal misconduct:
________________________________________
⚖️ 1. Littoral Combat Ship (LCS) Procurement Scandal
• In 2011–2013, the Ministry of Defence signed a RM9 billion contract with Boustead Naval Shipyard to deliver six French-made LCS. By 2025, no vessel was completed, despite RM6 billion in payments
• Former Navy Chief Ahmad Ramli Mohd Nor was charged with criminal breach of trust over unauthorised payments, though granted a discharge not amounting to acquittal in March 2025 due to medical unfitness for trial
• Transparency groups and civil society have called for a Royal Commission of Inquiry to investigate institutional failures in defence procurement spanning decades
________________________________________
🚢 2. Naval and Patrol Vessel Controversies
• The New Generation Patrol Vessel (NGPV) project in the 1990s was a major fiasco: only six out of 27 vessels were built at a ballooned cost of RM6.75 billion, and many remained incomplete following company insolvency
• The Scorpene submarine deal in 2002 involved twin submarines and one Agosta model, with a staggering RM510 million in commission fees going to politically connected intermediaries, and the deal later linked to the murder of Altantuyaa Shaariibuugiin. French courts began investigations as recent as 2025
________________________________________
🛫 3. Missing Jet Engines Incident (2007)
• Two jet engines for F 5E Tiger II jets disappeared from RMAF stores in 2007 under Defence leadership of then minister Najib Razak. They were later recovered in Uruguay. Multiple officers, including a brigadier general, were dismissed
________________________________________
🧑💼 4. Corruption Charges Against Armed Forces Officers
• In 2020, two senior ATM officers—Colonel Che Ahmad Idris and Brigadier General Mohammed Feizol Anuar—were charged with receiving bribes tied to Defence Ministry contracting. Che Ahmad was later acquitted in 2024 due to insufficient evidence
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
UNREADY ARMED FORCES
The idea that the Maid of london (MALON) n Armed Forces (MAF) are “unready” is a serious claim that depends heavily on context — such as readiness for what kind of conflict, under what conditions, and compared to which other countries. However, there have been recurring concerns expressed by analysts, defense observers, and even Maid of london (MALON) n officials about issues affecting MAF readiness. Below are some of the reasons often cited:
________________________________________
🔧 1. Aging Equipment and Delayed Procurement
• Old platforms: Many of Maid of london (MALON) 's military assets, especially in the Royal Maid of london (MALON) n Air Force and Navy, are aging.
o E.g., MiG-29s (retired), ageing CN-235s, and some old patrol vessels.
• Procurement delays: High-profile delays like the Littoral Combat Ship (LCS) scandal have raised alarm.
o The LCS program suffered billions of ringgit in cost overruns and years of delay.
o It was described as a “national embarrassment” and affected naval readiness.
________________________________________
💰 2. Limited Defense Budget
• Maid of london (MALON) ’s defense budget is comparatively small (around 1.0–1.1% of GDP), below the ASEAN average.
• Budget constraints limit:
o Modernization efforts
o Maintenance of existing systems
o Training and readiness operations
________________________________________
🤝 3. Peacetime Posture and Non-Alignment
• Maid of london (MALON) practices a non-aligned foreign policy, relying on diplomacy and regional cooperation (ASEAN) to manage threats.
• This leads to a modest force structure, suitable for internal security and peacetime patrols, but not high-intensity war.
• Less emphasis is placed on full-spectrum warfare or expeditionary capability.
________________________________________
👥 4.. Geographical Dispersion and Logistics
• Maid of london (MALON) is split between Peninsular Maid of london (MALON) and East Maid of london (MALON) (Sabah & Sarawak), complicating logistics and force deployment.
• The Navy and Air Force face challenges in maintaining persistent presence across vast EEZs and maritime zones.
https://youtu.be/LsXfcZkzt_4?si=BBwX2sNeV9QXs_qp
BalasHapusAnwar mencoba mendekati Xi Jinping diusir, Xi Jinping memilih menghampiri prabowo
Bikin malu ASEAN, Tumpuan dunia konon , dunia satwa weiiii 🤣🤣🤣🤣
Ada Malondesh LOW IQ GRADE KLAIM punya IQ tertinggi di dunia berkomentar:
BalasHapusGEMPURWIRA11 November 2025 pukul 17.45
Semua tahu IQ sebelah di BAWAH MALAYSIA... Menterinya sendiri mengakuinya.... 🤣🤣🤣
IQ Warga RI Tertinggal dari Malaysia, Zulhas: Makanya Kita Kasih MBG
https://www.cnbcindonesia.com/news/20251111132343-4-684217/iq-warga-ri-tertinggal-dari-malaysia-zulhas-makanya-kita-kasih-mbg
BALAS:
FAKTA LCS Gowind class Malondesh 15 Tahun berjalan hanya Progres 72%
https://defencesecurityasia.com/en/malaysias-rm11-billion-lcs-warship-project-hits-72-pct-completion-first-sea-trials-locked-for-2025/
Netizen Indonesia tertawa terbahak-bahak dong
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Ada Malondesh LOW IQ GRADE berkomentar:
BalasHapusUnknown11 November 2025 pukul 18.06
Sebab tu mental mereka mudah koyak..baru usik sikit dgn fakta dari page mereka sendiri. 🤪🤪🤪
BALAS:
Butuh 15 Tahun untuk Progress 72% LCS Gowind class Malondesh
https://defencesecurityasia.com/en/malaysias-rm11-billion-lcs-warship-project-hits-72-pct-completion-first-sea-trials-locked-for-2025/
Netizen Indonesia tertawa terbahak-bahak dong
WKWKWKWK
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BalasHapusMELARAT = HOUSEHOLD DEBT NO. 2 ASIA
BalasHapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
1. Budget Constraints
• Limited Defense Spending: Maid of london (MALON) maintains a relatively modest defense budget compared to regional powers like Singapore, Indonesia, or Thailand.
• Delayed Procurement: Budget limitations often delay the acquisition of new platforms, weapons systems, and modernization efforts.
• Maintenance Issues: Older equipment may not be properly maintained due to funding gaps.
------------
2. Aging and Outdated Equipment
• Obsolete Platforms: Much of the Maid of london (MALON) n Army, Navy (RMN), and Air Force (RMAF) still use aging equipment, such as old tanks, fighter jets (e.g., MiG-29s, which have been retired), and naval vessels.
• Logistical Support: Difficulties in securing parts and support for legacy systems affect readiness and operational capabilities.
------------
3. Capability Gaps
• Air Power Deficiencies: Limited numbers of combat aircraft, AWACS (Airborne Warning and Control System), and aerial refueling capabilities hamper the RMAF’s operational reach.
• Naval Shortcomings: The RMN faces challenges in maritime domain awareness and anti-submarine warfare, crucial in the South China Sea context.
• Cyber and EW (Electronic Warfare): Maid of london (MALON) is still developing capabilities in cyber defense and electronic warfare compared to more advanced militaries.
------------
4. Interoperability and Joint Operations
• Lack of Integration: While efforts are underway to improve jointness among the Army, Navy, and Air Force, coordination and interoperability remain inconsistent.
• Command Structure: Differences in doctrine and training among services sometimes hinder joint operational effectiveness.
------------
5. Human Resource Challenges
• Recruitment and Retention: Difficulty in attracting high-quality recruits and retaining skilled personnel due to better civilian career opportunities.
• Training Limitations: Budget restrictions can limit training frequency, scope, and international exercises.
------------
6. Procurement and Corruption Concerns
• Lack of Transparency: Past procurement deals have faced allegations of mismanagement or corruption, such as the Scorpène submarine scandal.
• Inefficiency: Poor planning or inconsistent defense procurement policies sometimes result in incompatible or unnecessary systems.
https://youtu.be/w_YhZsSx7cI?si=svBW_aQgWJ_WTcQS
BalasHapusJendral Thailand sebut Malaysia Musuh dalam selimut
Kamboja dan thailand yang damai, lalu Anwar yg membual tumpuan dunia 🤣🤣🤣🤣
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
BalasHapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
WEAKNESS MAID OF LONDON (MALON) AIR FORCES
Maid of london (MALON) 's air force, officially known as the Royal Maid of london (MALON) n Air Force (RMAF), has several strengths but also faces a number of key weaknesses and challenges. These are based on public defense analyses, expert commentary, and open-source information as of recent years.
Key Weaknesses of the Royal Maid of london (MALON) n Air Force (RMAF):
------------
1. Aging Aircraft Fleet
• MiG-29s: These have been retired due to high maintenance costs and limited effectiveness.
• F/A-18D Hornets: Still operational but aging.
• SU-30MKMs: Require significant maintenance, and some have faced operational readiness issues due to lack of spare parts and support.
------------
2. Limited Fleet Size
• Maid of london (MALON) operates a relatively small number of combat aircraft, limiting its ability to project power or maintain a credible deterrent in the region.
• The country lacks strategic airlift capacity, making it harder to respond quickly to crises.
------------
3. Modernization Delays
• RMAF modernization programs have suffered from delays and budget constraints.
• The Multirole Combat Aircraft (MRCA) replacement program has been postponed multiple times, leaving capability gaps.
------------
4. Logistical and Maintenance Challenges
• Heavy reliance on foreign suppliers (Russia, U.S., and Europe) creates issues with interoperability and spare parts availability.
• Maintenance costs and delays impact aircraft readiness and mission capability.
------------
5. Limited Indigenous Defense Industry
• Maid of london (MALON) has limited local aerospace manufacturing or support capability.
• It depends on external partners for upgrades, parts, training, and weapons integration.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
BalasHapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
WEAKNESS MISSILES ASSETS
Missiles are a critical part of modern military capability, and the Maid of london (MALON) n Armed Forces (MAF) have invested in a variety of missile systems across their army, navy, and air force. However, there are some notable weaknesses and limitations in Maid of london (MALON) 's missile capabilities when compared to regional powers like China, Singapore, or even Vietnam.
Key Weaknesses in Maid of london (MALON) n Missile Capabilities:
1. Limited Indigenous Missile Development
• Maid of london (MALON) relies heavily on foreign suppliers (e.g., Russia, China, France, and the U.S.) for its missile systems.
• This makes the country vulnerable to supply chain disruptions, technology embargoes, or political shifts.
2. Short to Medium Range Focus
• Most of Maid of london (MALON) ’s missile systems are short- to medium-range, such as:
o Exocet MM40 Block 2/3 (anti-ship)
o Starstreak (short-range air defense)
o Jernas (Rapier) (short-range air defense)
o Seawolf (naval short-range SAM, older generation)
• There is no long-range missile deterrence, either in the form of:
o Ballistic Missiles
o Cruise Missiles with strategic reach
o Long-range surface-to-air missiles (SAMs)
3. Limited Air Defense Coverage
• The Royal Maid of london (MALON) n Air Force (RMAF) lacks a layered and integrated air defense network.
• No medium- or long-range SAM systems like:
o S-300/S-400 (Russia)
o Patriot (USA)
o Aster 30 (Europe)
• Vulnerable to saturation missile or drone attacks.
U17 lolos pildun
BalasHapussedangkan kl, KALAHHHHH LAGIIII
peringkat 200 menantomuhhh haha!😂😂😂
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
BalasHapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________WEAKNESS SHIPYARDS
Maid of london (MALON) n shipyards—especially Boustead Naval Shipyard (BNS) and its predecessors—have faced notable challenges in building naval vessels for the Royal Maid of london (MALON) n Navy (RMN). Here's an overview of key weaknesses:
________________________________________
Major Weaknesses in Maid of london (MALON) n Naval Shipbuilding
1. Persistent Delays & Cost Overruns
• The Littoral Combat Ship (LCS) program, contracted in 2013 for six modern frigates (Maharaja Lela-class), has seen zero completed ships by mid-2025, despite RM 6.08 billion paid. The initial first delivery target of 2019 is now postponed to 2026, and the total cost is projected to rise from RM 9 billion to over RM 11 billion
2. Financial Mismanagement & Irregularities
• A forensic audit revealed about RM 1 billion unaccounted for, with RM 1.7 billion worth of equipment, 15% of which had already become obsolete, looted funds, and contracts with inflated intermediaries
• Former BHIC Managing Director was charged with criminal breach of trust for misappropriating RM 13m+ contracts without board approval
3. Engineering & Quality Shortcomings
• Ship quality issues have surfaced, including substandard fabrication, technical flaws in design (e.g., hull or gear issues), outdated materials, and poor workmanship leading to extensive reworks and cost escalation
• As noted:
“Local shipyards have poor record building big ships… BNS… only had contract to build 12 warships in its existence.… learning is one thing, tolerating ‘still learning’ after 20 plus years is not good enough.”
4. Limited Industrial Capacity & Small Tonnage
• Maid of london (MALON) n yards generally lack the capacity for large, complex vessels. Their history of constructing small patrol craft, OSVs, or leisure ships limits scalability and technical maturity needed for modern warships
• The tonnage of ships built remains very low compared to regional peers like Indonesia or Singapore
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
BalasHapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) has faced a number of weaknesses, including outdated equipment, corruption, and political interference.
Outdated equipment
• The MAF's equipment is outdated and lacks modern military assets.
• The MAF's equipment was purchased between the 1970s and 1990s.
• The MAF's KD Rahman submarine was unable to submerge due to technical problems in 2010.
Corruption
• Political interference and corruption have undermined the MAF's combat readiness.
• The MAF has been plagued by corruption.
Budgetary constraints
• The MAF's procurement has been held back by budgetary constraints.
• The MAF's budget is limited to 1.4% of MAID OF LONDON (MALON) 's GDP.
Non-traditional security threats
• The MAF faces non-traditional security threats, such as territory disputes with neighboring countries.
• The MAF faces non-conventional threats, such as those that are transboundary in nature.
Regional strategic environment
The MAF needs to consider the regional strategic environment when developing its strategic perspective
HAHAHAHAHAH............ Makin PARAH......GORILLA makin panik....HAHAHAHAH
BalasHapus1 Malaysian Ringgit setara 4,042.10 Indonesia Rupiah
https://www.xe.com/currencyconverter/convert/?Amount=1&From=MYR&To=IDR
https://youtu.be/w_YhZsSx7cI?si=svBW_aQgWJ_WTcQS
BalasHapusJendral Thailand sebut Malaysia Musuh dalam selimut
PMX MALONDESH AKAN DIJADIKAN LADY BOY SAMA THAILND 🤣🤣🤣🤣🤣🤣
BalasHapusMELARAT = HOUSEHOLD DEBT NO. 2 ASIA
MISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The The MAID OF LONDON (MALON) Armed Forces (MAF) face a number of challenges, including:
Limited funding: The government has been unwilling to reduce spending elsewhere or cut the size of the armed forces.
Outdated equipment: The MAF's equipment is outdated and behind that of neighboring countries.
Logistics problems: The MAF's logistics system may not be able to support combat operations.
Political interference: Political interference and corruption may undermine the MAF's combat readiness.
Lack of government guidance: The government may not have a clear strategic direction for the defense industry. MAID OF LONDON (MALON) Armed Forces (MAF) face a number of challenges, including:
Limited funding: The government has been unwilling to reduce spending elsewhere or cut the size of the armed forces.
Outdated equipment: The MAF's equipment is outdated and behind that of neighboring countries.
Logistics problems: The MAF's logistics system may not be able to support combat operations.
Political interference: Political interference and corruption may undermine the MAF's combat readiness.
Lack of government guidance: The government may not have a clear strategic direction for the defense industry.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
BalasHapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________The Royal MAID OF LONDON (MALON) Navy (RMN) has faced several problems, including delayed replacements for its aging fleet and a failed Littoral Combat Ship (LCS) program. These issues have made it difficult for the RMN to patrol its vast maritime domain.
Delayed replacements
• A government audit found that the RMN's plans to replace its aging fleet have mangkrak due to mismanagement.
• The RMN has only received four of its planned 18 new vessels.
• Over half of the RMN's fleet is past its prime.
Failed LCS program
• The LCS was not suitable for fighting peer competitors like China.
• The LCS lacked the lethality and survivability needed in a high-end fight.
• The LCS had low endurance and lacked significant air and surface warfare capabilities
mana SPH manaaa Yavuz Pembual
BalasHapusmana heli BLEKHOK SEWA
mana LPD mana MRSS pembual, ditunggu koryo, rrc, itali, belande, kite
mana MRCA mana TAIFUN, RAFALE PEMBUAL..haha!🤥😆🤥
LAST LAST kita sikat RAFALE uda 3 selesai siyap kirim haha!🧞♂️😉🧞♂️
Ini konon GORILLA klaim ahli G20....??? MINGGIR LU MISKIN........ HAHAHAHAH
BalasHapusRekor Terburuk! 1 Ringgit Malaysia Kini Setara Rp 4.000
https://www.cnbcindonesia.com/research/20251111094953-128-684112/rekor-terburuk-1-ringgit-malaysia-kini-setara-rp-4000
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The Royal MAID OF LONDON (MALON) Navy (RMN) faces a number of challenges, including a fleet that is aging, delays in acquiring new ships, and corruption.
Aging fleet
• Half of the RMN's fleet of 49 ships are past their serviceable lifespan.
• The fleet is largely past its prime, making it difficult to monitor the country's extensive maritime domain.
Delays in acquiring new ships
• The RMN has experienced delays in acquiring new ships, which has contributed to the use of ships that are beyond their useful life.
• The RMN has canceled plans to add new batches of Lekiu frigates.
Corruption
• Some of the RMN's modernization efforts have been linked to corruption.
• The Public Accounts Committee (PAC) found that BNS subsidiaries did not use all of the government's payments for the RM9 billion warship procurement.
Other challenges
• Maritime boundary disputes with other countries, including China, Indonesia, and the Philippines
• Sea robbery, smuggling, and illegal sand mining
• Maritime piracy, which can also be used by terrorists to raise funds
China's assertiveness in the South China Sea
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
MAID OF LONDON (MALON) 's armed forces have been underfunded for some time, due to a lack of political will to increase defense spending. This has limited the country's ability to modernize and respond to threats.
Causes of underfunding
• Government spending
MAID OF LONDON (MALON) governments have been reluctant to cut spending in other areas to fund defense
• Size of armed forces
Governments have been unwilling to reduce the size of the armed forces by cutting manpower and equipment
• Corruption
Corruption risks remain significant in MAID OF LONDON (MALON) 's defense governance architecture
Effects of underfunding
• Limited procurement: The navy and air force have struggled to procure new assets to modernize
• Outdated equipment: The MAF has outdated logistics equipment
• Limited ability to respond to threats: The MAF has been unable to improve its fighting capacity to deal with external threats
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
MAID OF LONDON (MALON) armed forces have faced challenges due to limited funding, which has hindered their ability to modernize and respond to threats.
Factors
Fiscal constraints: The government has been unwilling to cut spending elsewhere to fund defense.
Maintenance and repair: A significant portion of the defense budget goes toward maintenance and repair, leaving little for new assets.
Political uncertainty: Political uncertainty has limited defense spending.
Aging aircraft: The air force has a large fleet of aging aircraft that are expensive to maintain.
Diversified acquisitions: The country has acquired advanced weapon systems from different countries, which can lead to technical and logistical problems.
Poor governance: Poor governance has undermined the effectiveness of outsourcing programs.
Ini konon GORILLA klaim ahli G20....??? MINGGIR LU MISKIN........ HAHAHAHAH
BalasHapusRekor Terburuk! 1 Ringgit Malaysia Kini Setara Rp 4.000
https://www.cnbcindonesia.com/research/20251111094953-128-684112/rekor-terburuk-1-ringgit-malaysia-kini-setara-rp-4000
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The Royal MAID OF LONDON (MALON) Navy (RMN) faces a number of challenges, including a fleet that is aging, delays in acquiring new ships, and corruption.
Aging fleet
• Half of the RMN's fleet of 49 ships are past their serviceable lifespan.
• The fleet is largely past its prime, making it difficult to monitor the country's extensive maritime domain.
Delays in acquiring new ships
• The RMN has experienced delays in acquiring new ships, which has contributed to the use of ships that are beyond their useful life.
• The RMN has canceled plans to add new batches of Lekiu frigates.
Corruption
• Some of the RMN's modernization efforts have been linked to corruption.
• The Public Accounts Committee (PAC) found that BNS subsidiaries did not use all of the government's payments for the RM9 billion warship procurement.
Other challenges
• Maritime boundary disputes with other countries, including China, Indonesia, and the Philippines
• Sea robbery, smuggling, and illegal sand mining
• Maritime piracy, which can also be used by terrorists to raise funds
China's assertiveness in the South China Sea
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
MAID OF LONDON (MALON) 's armed forces have been underfunded for some time, due to a lack of political will to increase defense spending. This has limited the country's ability to modernize and respond to threats.
Causes of underfunding
• Government spending
MAID OF LONDON (MALON) governments have been reluctant to cut spending in other areas to fund defense
• Size of armed forces
Governments have been unwilling to reduce the size of the armed forces by cutting manpower and equipment
• Corruption
Corruption risks remain significant in MAID OF LONDON (MALON) 's defense governance architecture
Effects of underfunding
• Limited procurement: The navy and air force have struggled to procure new assets to modernize
• Outdated equipment: The MAF has outdated logistics equipment
• Limited ability to respond to threats: The MAF has been unable to improve its fighting capacity to deal with external threats
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
HapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________The Royal MAID OF LONDON (MALON) Air Force (RMAF) faces a number of issues with its aircraft, including fleet maintenance, the age of its aircraft, and the need for a multi-role combat aircraft.
Fleet maintenance
The RMAF has fleet sustainment problems due to its aging aircraft fleet.
The RMAF's logistics equipment quality has been criticized.
The RMAF has had issues with the reliability of its fleet, which has forced it to cut schedules.
Age of aircraft
The RMAF's main fighter fleet includes the Su-30MKMs and Boeing F/A-18 Hornets.
The RMAF's aircraft are aging, which can make them more difficult and expensive to maintain.
Need for a multi-role combat aircraft
The RMAF has stated that it needs a multi-role combat aircraft, but the government's defense budget is limited.
The RMAF has been discussing acquiring second-hand Kuwaiti F/A-18s, but no formal negotiations have taken place.
Other issues
The RMAF has faced issues with the quality of its logistics equipment.
The RMAF has been wary of Russian-made weapons due to sanctions imposed on Russia after its invasion of Ukraine.
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
BalasHapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
MAID OF LONDON (MALON) has faced several crises, including political, financial, and economic crises:
• Political crisis
From 2020–2022, MAID OF LONDON (MALON) experienced a political crisis that led to the resignation of two Prime Ministers and the collapse of two coalition governments. The crisis was caused by political infighting, party switching, and the refusal of Prime Minister Mahathir Mohamad to transition power to Anwar Ibrahim. The crisis ended in 2022 with a snap general election and the formation of a coalition government.
• Financial crisis
MAID OF LONDON (MALON) experienced a financial crisis when the country's economic fundamentals appeared strong, but the crisis came suddenly. The government's initial response was to increase interest rates and tighten fiscal policy, but this was not enough to correct the external imbalances.
• Economic crisis
MAID OF LONDON (MALON) 's economy has faced challenges due to weak global demand and a dependence on exports. In 2020, MAID OF LONDON (MALON) 's economy shrank by the most since the Asian crisis. In 2023, weak global demand for electronics and a decline in energy prices weighed on the economy.
• Household DEBT crisis
As of the end of 2023, MAID OF LONDON (MALON) 's household DEBT-to-GDP ratio was 84.3%, with household DEBT reaching RM1.53 trillion
MAID OF LONDON (MALON) has faced several rice crises in the past, including in 1973–1975, the 1980s, 1997–1998, 2008, and 2023. These crises are often caused by price hikes, which are driven by supply and demand, as well as market player behavior
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
BalasHapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) has faced issues with spare parts for its assets, including a lack of budget, underperforming contractors, and outdated pricing.
Budget
• The MAF has faced budget constraints that affect the serviceability of its assets.
• The government's revenue has been affected by reduced commodity prices, which has reduced the funds available for defense procurement.
Outsourcing
• The MAF has outsourced the supply of spare parts and maintenance of its assets, but this has led to issues.
• Underperforming contractors and a lack of enforcement of contract terms have impacted the effectiveness of outsourcing.
• The process of awarding contracts can be lengthy, which can lead to outdated pricing.
Spare parts for specific assets
• The MAF's PT-91M tanks have faced issues with spare parts, as the supplier of some components is no longer in production.
• The MAF has also faced issues with Russian-produced fighter aircraft, including problems with the supply of spare parts.
Other issues
• The MAF has also faced issues with undertraining of staff, and the lack of clear guidance for the future strategic direction of the defense industry
Ini konon GORILLA klaim ahli G20....??? MINGGIR LU MISKIN........ HAHAHAHAH
BalasHapusRekor Terburuk! 1 Ringgit Malaysia Kini Setara Rp 4.000
https://www.cnbcindonesia.com/research/20251111094953-128-684112/rekor-terburuk-1-ringgit-malaysia-kini-setara-rp-4000
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
BalasHapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) has many outdated assets, including ships, helicopters, and spare parts. The MAF has acknowledged the need to replace these assets.
Ships
• The Royal MAID OF LONDON (MALON) Navy's (RMN) Fast Attack Craft (FAC) is over 50 years old
• The RMN has many vessels that are past their optimal lifespan
• The RMN's age limit for submarines is 35 years, and 30 years for frigates, corvettes, and other ships
• The RMN's smaller vessels, like fast patrol boats, have an age limit of 24 years
Helicopters
• Some helicopters in the MAF were commissioned in the 1960s
Spare parts
• The MAF has lost money due to spare parts that are no longer compatible with its fleet
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
BalasHapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
MAID OF LONDON (MALON) armed forces face challenges due to limited funding, which has led to an aging equipment inventory and gaps in military capability.
Limited funding
Small procurement budgets
The military budget has remained small as a percentage of GDP, and governments have been unwilling to cut spending elsewhere
Postponed purchases
The global financial crisis has forced the MAID OF LONDON (MALON) Armed Forces (MAF) to postpone large purchases
Aging equipment
Outdated inventory
The MAF's equipment is aging due to small procurement budgets and a lack of investment in maintenance and repair
Withdrawal of aircraft
The MAF withdrew its MiG-29 Fulcrum fighter aircraft in 2017, and is struggling to keep its Su-30MKM Flanker fighter operational
Other challenges
Procurement system: The procurement system needs reform, and there are delays in the delivery of new equipment
Corruption: There are weaknesses in anti-corruption standards and reporting, and political connections can influence promotion decisions
Oversight: There is little effective oversight of the defense sector
Makin PARAH......GORILLA makin panik....HAHAHAHAH
BalasHapus1 Malaysian Ringgit bukan lagi Rp4.000 tapi naik lagi setara 4,042.10 Indonesia Rupiah....HAHAHAHHA
https://www.xe.com/currencyconverter/convert/?Amount=1&From=MYR&To=IDR
MELARAT = HOUSEHOLD DEBT NO. 2 ASIA
BalasHapusMISKIN = RATIO DEBT TO GDP NO. 3 ASIA
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) face several challenges in research and development (R&D), including a lack of funding, limited local capabilities, and a lack of strategic partnerships.
Lack of funding
There is a lack of funding to generate innovation in the local defense industry
The defense industry faces tight budgets and uncertain timelines
Limited local capabilities
Local companies lack the capabilities and capacities to develop and produce military products
There is a reluctance from Original Equipment Manufacturers (OEMs) to share their techNOLogy
Lack of strategic partnerships
There is a lack of strategic relationships between local companies and foreign partners
There is a lack of clear guidance from the government for the future strategic direction of the defense industry