13 November 2025

Hanwha Defence Australia Lakukan Latihan Tembak Langsung Howitzer AS9 Huntsman

13 November 2025

SPH AS9 Huntsman Angkatan Darat Australia melakukan latihan penembakan langsung di Victoria (photos: Hanwha Defence Australia)

Hanwha Defence Australia (HDA) telah melakukan latihan tembak langsung Howitzer Gerak Sendiri/Self-Propelled Howitzer (SPH) AS9 Huntsman di Area Militer Puckapunyal, Victoria, yang menunjukkan kemajuan dalam program Protected Mobile Fires Australia.

Berasal dari platform K9 Thunder Hanwha yang dioperasikan secara global, AS9 Huntsman dilengkapi sistem perlindungan yang ditingkatkan dan rangkaian C4 yang ditingkatkan; mencakup komando, kendali, komunikasi, dan komputasi untuk meningkatkan presisi dan responsivitas di medan perang modern.

Dengan produksi domestik yang kini sedang berlangsung di wilayah Geelong, HDA terus berkolaborasi dengan Angkatan Darat Australia dan Departemen Pertahanan Australia untuk menghadirkan sistem artileri swagerak generasi terbaru yang dirancang untuk perakitan dan dukungan lokal.

151 komentar:

  1. Sangka SPH si BABU istri Malaydesh...๐Ÿ˜‚๐Ÿ˜‚๐Ÿคฃ๐Ÿคฃ๐Ÿคช๐Ÿ˜›๐Ÿ‡ง๐Ÿ‡ฉ๐Ÿ‘Ž

    BalasHapus
  2. Tak punya SPH...miskin ๐Ÿ˜‚๐Ÿ˜‚๐Ÿคฃ๐Ÿคช๐Ÿ˜›

    BalasHapus
  3. https://www.cnnindonesia.com/internasional/20251111121806-106-1294218/viral-dosen-malaysia-klaim-bangsa-romawi-belajar-dari-negara-jiran

    Apa ni weeiiiii ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ

    Logic Malaydesh Romawi ke Malaydesh jalan kaki lalu belajar buat kapal untuk balik ke eropa, Dosen dungu IQ monkey ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ

    BalasHapus
    Balasan
    1. Loh ...itu benar
      Bangsa Malaysia itu lebih maju...
      malaysia itu masih keturunan Alien dari planet Namex
      ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ

      Hapus
  4. Gempita Malaydesh Turkiye
    Tak 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

    BalasHapus
  5. 01. Salam bina Candi LCS MaharajaLele Mangkrak Karatan 14 tahun SALAH POTONG, seharga RM 12 Billion
    02. 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

    BalasHapus
    Balasan
    1. 61. Salam Tak di undang KTT GAZA
      62. Salam PMX Anwar di usir pengawal Xie Jin Ping
      63. Salam PMX Gadai Kedaulatan ke Amerika
      64. Salam di gelar jenderal Thailand, penipu, musuh dalam selimut, pengkhianat

      Hapus
    2. 61. Salam Tak di undang KTT GAZA
      62. Salam PMX Anwar di usir pengawal Xie Jin Ping
      63. Salam PMX Gadai Kedaulatan ke Amerika
      64. Salam di gelar jenderal Thailand, penipu, musuh dalam selimut, pengkhianat

      Hapus
  6. https://youtu.be/LsXfcZkzt_4?si=BBwX2sNeV9QXs_qp
    Anwar mencoba mendekati Xi Jinping diusir, Xi Jinping memilih menghampiri prabowo


    Jangan di buka nanti monkey Malaydesh sakit hati ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ

    BalasHapus
  7. 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


    Vs

    Malaydesh Bina Senapang Vita Berapi LP06 (hasil Tampal sticker dari orang buangan Rusia)


    Otak Pintar VS Otak Monkey penipu ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ

    BalasHapus
  8. NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
    NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ---------------
    ๐Ÿ“‰ 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 = 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.

    BalasHapus
  9. Level MALAYSIA dibawah KAMBOJA dan LAOS. Tidak punya SPH setara TIMLES.
    Kasihan ....
    ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ

    BalasHapus
  10. Semoga MMW yang minim literasi mengamuk lagi di topik ini. Komen LAWAKnya bikin terhibur

    ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ

    BalasHapus
  11. NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
    NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ________________________________________-
    ๐Ÿ“‰ 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 Scorpรจne submarine scandal.
    • Inefficiency: Poor planning or inconsistent defense procurement policies sometimes result in incompatible or unnecessary systems.


    BalasHapus
  12. NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
    NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ________________________________________-
    ๐Ÿ“‰ 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.


    BalasHapus
  13. GILA TINGGI... 1 RINGGIT setara Rp 4.052........... HAHAHAHAHHA

    BalasHapus
    Balasan
    1. NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
      NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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 = 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.

      Hapus
    2. KEREEEE.....
      NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
      NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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 = 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.

      Hapus
    3. NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
      NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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 = 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.

      Hapus
  14. 1 RINGGIT MENUJU Rp4.100 HAHAHAHHA

    BalasHapus
    Balasan
    1. NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
      NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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 = 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.

      Hapus
    2. PARAHHHHH.....
      NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
      NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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 = 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.

      Hapus
    3. NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
      NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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 = 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.

      Hapus
  15. NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
    NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ---------------
    ๐Ÿ“‰ 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 = 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.

    BalasHapus
  16. KLAIM KUAT = KENYATAAN.....
    NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
    NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ---------------
    ๐Ÿ“‰ 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 = 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.

    BalasHapus
  17. WoooWWW..... HAHAHAHAHAH



    Indonesia Negara ‘Terbodoh’ ke 2 di Dunia

    https://muslimahreformis.co/indonesia-negara-terbodoh-ke-2-di-dunia/

    BalasHapus
    Balasan
    1. NO. 1 PORN ASIA
      NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
      NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
      NO.4 PORN WORLD
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    2. NO. 1 PORN ASIA
      NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
      NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
      NO.4 PORN WORLD
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
  18. BILA SI BODOH TAK TAHU DIA BODOH...MAKA DISITULAH DIA AKAN BODOH SELAMANYA.....HAHAHAHHA

    BalasHapus
    Balasan
    1. NO. 1 PORN ASIA
      NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
      NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
      NO.4 PORN WORLD
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    2. NO. 1 PORN ASIA
      NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
      NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
      NO.4 PORN WORLD
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    3. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    4. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
  19. HAHAHAHHA.........


    Waduh, Menyedihkan! Ternyata Indonesia Diklaim Sebagai Negara Terbodoh ke 2 di Dunia, Berikut ini Ulasan dan Kajiannya!

    https://www.timenews.co.id/nasional/99514110309/waduh-menyedihkan-ternyata-indonesia-diklaim-sebagai-negara-terbodoh-ke-2-di-dunia-berikut-ini-ulasan-dan-kajiannya

    BalasHapus
    Balasan
    1. NO. 1 PORN ASIA
      NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
      NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
      NO.4 PORN WORLD
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    2. NO. 1 PORN ASIA
      NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
      NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
      NO.4 PORN WORLD
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    3. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    4. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    5. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________

      Hapus
    6. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________KLAIM LCS CASH = HUTANG BAYAR HUTANG
      1. AKAR MASALAH: ALIRAN KAS (CASH FLOW) YANG BURUK
      • Definisi Aliran Kas: Aliran kas adalah pergerakan uang tunai masuk dan keluar dari sebuah perusahaan. Aliran kas positif berarti lebih banyak uang masuk daripada keluar, sedangkan aliran kas negatif berarti sebaliknya.
      • Mengapa Buruk?
      o Pendapatan Tidak Mencukupi: Proyek mungkin tidak menghasilkan pendapatan sesuai target, atau penjualan/layanan yang diberikan tidak mampu menutupi biaya operasional.
      o Biaya Operasional Tinggi: Biaya harian, gaji, pembelian bahan baku, pemeliharaan, dan sebagainya mungkin terlalu tinggi dibandingkan pendapatan.
      o Piutang Tak Tertagih: Pelanggan atau pihak yang berhutang kepada BNS mungkin menunggak pembayaran, menyebabkan uang yang seharusnya masuk tertahan.
      o Investasi yang Tidak Produktif: Dana mungkin diinvestasikan pada aset yang tidak menghasilkan keuntungan cepat, atau bahkan mengalami kerugian.
      o Siklus Proyek yang Panjang: Untuk proyek infrastruktur atau pengembangan besar, waktu antara pengeluaran awal dan penerimaan pendapatan bisa sangat panjang, membutuhkan manajemen kas yang ketat.
      -----------------
      2. Pemicu Masalah: Dugaan Penyalahgunaan Dana
      Ini adalah faktor yang sangat memperburuk masalah aliran kas dan mendorong ketergantungan pada pinjaman.
      • Definisi Penyalahgunaan Dana: Tindakan menggunakan dana untuk tujuan yang tidak semestinya, tidak sah, atau di luar tujuan yang telah ditetapkan. Ini bisa berupa korupsi, penggelapan, pembelian aset pribadi, atau pengeluaran fiktif.
      • Dampak Negatif:
      o Pengurasan Dana Proyek: Dana yang seharusnya digunakan untuk operasional, investasi produktif, atau pembayaran kewajiban, malah dialihkan. Ini secara instan menciptakan defisit kas.
      o Peningkatan Kebutuhan Pinjaman: Dengan dana internal yang terkuras, BNS terpaksa mencari sumber dana eksternal, yaitu pinjaman, hanya untuk menjaga proyek tetap berjalan atau menutupi lubang yang diciptakan oleh penyalahgunaan.
      o Kerugian Kepercayaan Investor/Pemerintah: Jika terbukti ada penyalahgunaan, kepercayaan dari pihak-pihak yang telah memberikan dana awal (misalnya pemerintah) akan hancur, mempersulit akses pendanaan di masa depan.

      Hapus
  20. NO. 1 PORN ASIA
    NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
    NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
    NO.4 PORN WORLD
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ---------------
    ๐Ÿ“‰ 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
    ===========
    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.
    ===========
    JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

    BalasHapus
  21. NO. 1 PORN ASIA
    NO. 2 ASIA HOUSEHOLD DEBT = MELARAT
    NO. 3 ASIA RATIO DEBT TO GDP = MELARAT
    NO.4 PORN WORLD
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ---------------
    ๐Ÿ“‰ 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
    ===========
    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.
    ===========
    JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

    BalasHapus
  22. Malaysewa sudah tak di pandang negara lain , makanya para keledai malaya ngamuk ๐Ÿ˜„๐Ÿ˜„๐Ÿ˜„

    BalasHapus
  23. NO. 1 ASIA = PORN
    NO. 2 ASIA = HOUSEHOLD DEBT
    NO. 3 ASIA = RATIO DEBT TO GDP
    NO. 4 WORLD = PORN
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ________________________________________-
    ๐Ÿ“‰ 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
    ________________________________________
    JUARA PORNO :
    In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.
    ________________________________________
    How Military Loans Work in Malondesh
    Military loans are essentially a form of government borrowing specifically designated for defense-related expenditures. Here's a general overview of the process:
    1. Identification of Strategic Needs: The Ministry of Defence (MINDEF) and the Malondeshn Armed Forces (MAF) identify critical defense capabilities, equipment, or infrastructure projects required for national security, often outlined in long-term defense plans.
    2. Procurement Process: Once a need is identified, MINDEF initiates a procurement process. This often involves international tenders or direct negotiations with defense contractors from various countries (e.g., France, Germany, China, Russia, USA, UK).
    3. Financing Proposal: When the cost of the desired equipment or project is substantial and cannot be covered by the annual defense budget, a financing proposal is developed. This is where loans come into play.
    4. Loan Negotiation: The Malondeshn government (usually through the Ministry of Finance) negotiates loan agreements with various entities. These can include:
    o Foreign Governments: Government-to-government loans or export credit agencies from the supplier country. These often come with favorable terms and can be tied to specific defense contracts.
    o Commercial Banks: Local or international commercial banks.
    o Multilateral Institutions: Though less common for direct military hardware, institutions like the Asian Development Bank or World Bank might fund related infrastructure or security sector reform (though typically not direct weaponry).
    5. Parliamentary Approval: Significant loans, especially those impacting the national debt, typically require parliamentary approval in Malondesh. This ensures transparency and accountability.
    6. Disbursement and Repayment: Once approved, the funds are disbursed to the defense contractors, and the Malondeshn government commits to a repayment schedule, including principal and interest, over a specified period.

    BalasHapus
  24. NO. 1 ASIA = PORN
    NO. 2 ASIA = HOUSEHOLD DEBT
    NO. 3 ASIA = RATIO DEBT TO GDP
    NO. 4 WORLD = PORN
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ________________________________________-
    ๐Ÿ“‰ 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
    ________________________________________
    JUARA PORNO :
    In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.
    ________________________________________⚠️ KEY RISKS OF THE RM92.8 BILLION DEFICIT
    1. Revenue Shortfalls
    • Weaker-than-expected tax collections due to soft economic growth and delays in expanding the Sales and Service Tax (SST) and implementing e-invoicing for SMEs.
    • Lower oil prices reduce petroleum-related revenue, which is a significant source of government income.
    2. Overspending and Budget Deviations
    • Operating expenditures may exceed budgeted levels due to unplanned aid packages and slower-than-expected savings from subsidy rationalisation.
    • If fuel subsidy reforms are delayed, expected savings (RM4 billion in 2025) may not materialize.
    3. Global Economic Uncertainty
    • A weak global outlook—especially subdued demand from key trading partners—could slow Malondesh’s exports and GDP growth.
    • This would make it harder to meet deficit reduction targets and maintain investor confidence.
    4. Currency and Inflation Risks
    • A large deficit may pressure the ringgit, especially if foreign investors perceive fiscal risks.
    • Depreciation could raise the cost of imported goods and increase inflation, affecting household purchasing power.
    ๐Ÿ“‰ Implications for Malondesh
    ๐Ÿฆ Investor Confidence
    • While the deficit is manageable for now, persistent overshooting could lead to credit rating downgrades if fiscal reforms stall.
    • This would raise borrowing costs and reduce Malondesh’s attractiveness to foreign investors.
    ๐Ÿงพ Fiscal Reform Pressure
    • The government must accelerate reforms like carbon taxation, broadening the tax base, and subsidy rationalisation to restore fiscal space.
    • Budget 2026 and the 13th Malondesh Plan (13MP) will be pivotal in shaping medium-term sustainability.

    BalasHapus
  25. BILA SI BODOH DAN PENIPU TAK TAHU DIA BODOH...MAKA DISITULAH DIA AKAN BODOH DAN PENIPU SELAMANYA.....๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚

    MALONDESH NEGERI SARANG PENIPU ๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚

    BalasHapus
  26. NEGARA KAYA katanya

    NEGARA IQ SUPER DUPER HYPER TINGGI katanya.

    RENGGET KUAT KONON



    BUT.. BUT... BUT


    https://defense-studies.blogspot.com/2025/11/kd-baung-3505-kembali-beroperasi.html?m=1


    "KD Baung 3505, kapal serang cepat kelas Jerung TLDM, komisioning pada tahun 1977, setelah menjalani refit selama 2 tahun kini beroperasi kembali"



    RETROFIT KAPAL USANG KECIK DUaA TAHUN.. WOW.. IQ TINGGI GUYS.

    PANJANG : 44,90 M
    LEBAR : 7 METER
    BERAT : 255 TON (FULL LOADED).

    2 TAHUN REFIT GUYS..

    KAPAL USANG ✅

    KAPAL OMPONG ✅

    KAPAL ZAMAN KAPUR ✅

    KECIK, LOW QUALITY ✅


    Tapi 2 tahun buat refit.. Patotlah LCS GAGAL, OPV DAMEN GAGAL

    BalasHapus
  27. NEGARA KAYA katanya

    NEGARA IQ SUPER DUPER HYPER TINGGI katanya.

    RENGGET KUAT KONON



    BUT.. BUT... BUT


    https://defense-studies.blogspot.com/2025/11/kd-baung-3505-kembali-beroperasi.html?m=1


    "KD Baung 3505, kapal serang cepat kelas Jerung TLDM, komisioning pada tahun 1977, setelah menjalani refit selama 2 tahun kini beroperasi kembali"



    RETROFIT KAPAL USANG KECIK DUaA TAHUN.. WOW.. IQ TINGGI GUYS.

    PANJANG : 44,90 M
    LEBAR : 7 METER
    BERAT : 255 TON (FULL LOADED).

    2 TAHUN REFIT GUYS..

    KAPAL USANG ✅

    KAPAL OMPONG ✅

    KAPAL ZAMAN KAPUR ✅

    KECIK, LOW QUALITY ✅


    Tapi 2 tahun buat refit.. Patotlah LCS GAGAL, OPV DAMEN GAGAL

    BalasHapus
  28. NO. 1 ASIA = PORN
    NO. 2 ASIA = HOUSEHOLD DEBT
    NO. 3 ASIA = RATIO DEBT TO GDP
    NO. 4 WORLD = PORN
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ---------------
    ๐Ÿ“‰ 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
    ===========
    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.
    ===========
    JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

    BalasHapus
  29. Pssstttt...... Ternyata yang satu tu masuk Negara ke 2 paling BODOH didunia guys...๐Ÿ”ฅ๐Ÿ”ฅ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ

    BalasHapus
    Balasan
    1. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    2. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    3. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    4. ๐Ÿ” DETAIL PROYEK
      • MRCA (2017–2025):
      o 2017: Inisiasi penggantian MiG-29.
      o 2023: FA-50 diumumkan sebagai interim.
      o 2025: Status ZONK (tidak ada MRCA baru).
      -
      • LCS (2011–2025):
      o 2011: Kontrak LCS ditandatangani.
      o 2022: Skandal audit terungkap.
      o 2025: Status ZONK (belum ada kapal operasional).
      -
      • SPH (2016–2025):
      o 2016: Proposal SPH diajukan.
      o 2025: Status ZONK (tidak ada akuisisi).
      -
      • MRSS (2016–2025):
      o 2016: Masuk rencana TLDM 15-to-5.
      o 2025: Status ZONK (belum dibangun).
      ----------------
      ⚖️ DAMPAK POLITIK
      Garis vertikal menunjukkan pergantian kepemimpinan:
      • 2013: PM Najib / Menhan Zahid.
      • 2015: Menhan Hishammuddin.
      • 2018: PM Mahathir / Menhan Mat Sabu.
      • 2020: PM Muhyiddin / Menhan Ismail Sabri.
      • 2021: PM Ismail Sabri / Menhan Hishammuddin.
      • 2022: PM Anwar / Menhan Khaled Nordin
      =============
      1. DEBT 84.3% DARI GDP
      2. DEBT NEGARA RM 1.63 TRLLIUN
      3. DEBT 1MDB RM 18.2 BILLION
      4. TUNGGAKAN SEWA SABAH USD 15 BILLION
      5. DEBT KERAJAAN PERSEKUTUAN 60.4%
      6. SEWA SIMULATOR MKM
      7. PESAWAT MIG GROUNDED
      8. SEWA MOTOR POLIS
      9. PESAWAT MB339CM GROUNDED
      10. NURI GROUNDED SEWA BLACKHAWK
      11. FIVE PROCUREMENT CANCELLED
      12. 48 PESAWAT SKYHAWK HILANG
      13. MESIN JET 2 BUAH HILANG
      14. NO MARINIR NO AMPHIBIOUS NAVAL PLATFORM
      15. NO LST
      16. NO LPD – NGEMIS LPD USA
      17. NO TANKER
      18. NO KCR
      19. MONUMEN MIG29M UNTUK JIMAT KOS
      20. NO SPH
      21. SUBMARINE DEFACT MEMBUNUH WANITA HAMIL
      22. NO HELLFIRE
      23. NO MPA ATR72 DELAYED
      24. NO HIDRO-OSEANOGRAFI SEWA KAPAL HIDRO
      25. NO HELI HEAVY ATTACK NGEMIS AH1Z
      26. NO M3 AMPHIBIUS RIG
      27. LCS MANGKRAK KARATAN
      28. OPV MANGKRAK
      29. TANK MOGOK STOP SPARE PARTS
      30. CN 235 MSA VERSI MSI USA
      31. SEWA MOTOR MILITARY POLICE
      32. RADAR GIFTED PAID USA
      33. 84% NO SAVING EVERY MONTH
      34. SEWA VVSHORAD
      35. SEWA TRUK 3 TON
      36. 4X4 SEWA 6X6 CANCELLED
      37. C130H DIGANTI 2045
      38. TEMBAK GRANAT BOM PASUKAN SEMDIRI
      39. NO DRONE UCAV – ANKA ISR OMPONG
      40. SEWA BLACKHAWK SEWA AW159
      41. NO TRACKED SPH
      42. SEWA SIMULATOR HELI
      43. SPH CANCELLED
      44. SCORPION V150 CONDOR SIMBAS RETIRED
      45. NO PESAWAT COIN
      46. PILATUS MK II KARATAN
      47. PENCEROBOHAN 43X BTA 316 HARI
      48. SEWA AW139 SEWA COLIBRI
      49. MRSS LMS B2 UAV ANKA HELI MENUNGGU 2026-2030
      50. OPV DIBAYAR 3 JADI 1 SEWA BOAT
      51. LYNX GROUNDED
      52. MRCA CANCELLED SEWA PESAWAT ITTC
      53. MICA CANCELLED NSM CANCELLED
      54. NO LRAD NO MRAD JUST VSHORAD
      55. PRANK UN PRANK TURKEY PRANK PERANCIS PRANK SLOVAKIA
      56. 4X NGEMIS F18 KUWAIT
      57. MENUNGGU 2050 KAPAL SELAM
      58. NO TANK AMPHIBI AV8 MOGOK BERASAP
      59. 84% NO SAVING EVERY MONTH
      60. OVER LIMIT DEBT 65,6% (LIMIT DEBT 65%)
      =============
      SEWA = HUTANG 84.3% DARI GDP = NO SHOPPING
      1. SEWA 28 HELI
      2. SEWA L39 ITCC
      3. SEWA EC120B
      4. SEWA FLIGHT SIMULATION TRAINING DEVICE (FSTD)
      5. SEWA 1 UNIT SISTEM SIMULATOR EC120B
      6. SEWA HOVERCRAFT
      7. SEWA AW139
      8. SEWA FAST INTERCEPTOR BOAT (FIB)
      9. SEWA UTILITY BOAT
      10. SEWA RIGID HULL FENDER BOAT (RHFB)
      11. SEWA ROVER FIBER GLASS (ROVER)
      12. SEWA MV AISHAH AIM 4
      13. SEWA BMW R1250RT
      14. SEWA 4X4 VECHICLE
      15. SEWA VSHORAD
      16. SEWA TRUCK
      17. SEWA HONDA CIVIC
      18. SEWA PATROL BOATS
      19. SEWA OUTBOARD MOTORS
      20. SEWA TRAILERS
      21. SEWA SUPERBIKES
      22. SEWA SIMULATOR MKM
      23. SEWA 12 AW149 TUDM
      24. SEWA 4 AW139 TUDM
      25. SEWA 5 EC120B TUDM
      26. SEWA 2 AW159 TLDM
      27. SEWA 4 UH-60A TDM
      28. SEWA 12 AW149 TDM
      29. SEWA 4 AW139 BOMBA
      30. SEWA 2 AW159 MMEA
      31. SEWA 7 BELL429 POLIS
      32. SEWA MOTOR POLIS

      Hapus
    5. ๐Ÿ” DETAIL PROYEK
      • MRCA (2017–2025):
      o 2017: Inisiasi penggantian MiG-29.
      o 2023: FA-50 diumumkan sebagai interim.
      o 2025: Status ZONK (tidak ada MRCA baru).
      -
      • LCS (2011–2025):
      o 2011: Kontrak LCS ditandatangani.
      o 2022: Skandal audit terungkap.
      o 2025: Status ZONK (belum ada kapal operasional).
      -
      • SPH (2016–2025):
      o 2016: Proposal SPH diajukan.
      o 2025: Status ZONK (tidak ada akuisisi).
      -
      • MRSS (2016–2025):
      o 2016: Masuk rencana TLDM 15-to-5.
      o 2025: Status ZONK (belum dibangun).
      ----------------
      ⚖️ DAMPAK POLITIK
      Garis vertikal menunjukkan pergantian kepemimpinan:
      • 2013: PM Najib / Menhan Zahid.
      • 2015: Menhan Hishammuddin.
      • 2018: PM Mahathir / Menhan Mat Sabu.
      • 2020: PM Muhyiddin / Menhan Ismail Sabri.
      • 2021: PM Ismail Sabri / Menhan Hishammuddin.
      • 2022: PM Anwar / Menhan Khaled Nordin
      =============
      1. DEBT 84.3% DARI GDP
      2. DEBT NEGARA RM 1.63 TRLLIUN
      3. DEBT 1MDB RM 18.2 BILLION
      4. TUNGGAKAN SEWA SABAH USD 15 BILLION
      5. DEBT KERAJAAN PERSEKUTUAN 60.4%
      6. SEWA SIMULATOR MKM
      7. PESAWAT MIG GROUNDED
      8. SEWA MOTOR POLIS
      9. PESAWAT MB339CM GROUNDED
      10. NURI GROUNDED SEWA BLACKHAWK
      11. FIVE PROCUREMENT CANCELLED
      12. 48 PESAWAT SKYHAWK HILANG
      13. MESIN JET 2 BUAH HILANG
      14. NO MARINIR NO AMPHIBIOUS NAVAL PLATFORM
      15. NO LST
      16. NO LPD – NGEMIS LPD USA
      17. NO TANKER
      18. NO KCR
      19. MONUMEN MIG29M UNTUK JIMAT KOS
      20. NO SPH
      21. SUBMARINE DEFACT MEMBUNUH WANITA HAMIL
      22. NO HELLFIRE
      23. NO MPA ATR72 DELAYED
      24. NO HIDRO-OSEANOGRAFI SEWA KAPAL HIDRO
      25. NO HELI HEAVY ATTACK NGEMIS AH1Z
      26. NO M3 AMPHIBIUS RIG
      27. LCS MANGKRAK KARATAN
      28. OPV MANGKRAK
      29. TANK MOGOK STOP SPARE PARTS
      30. CN 235 MSA VERSI MSI USA
      31. SEWA MOTOR MILITARY POLICE
      32. RADAR GIFTED PAID USA
      33. 84% NO SAVING EVERY MONTH
      34. SEWA VVSHORAD
      35. SEWA TRUK 3 TON
      36. 4X4 SEWA 6X6 CANCELLED
      37. C130H DIGANTI 2045
      38. TEMBAK GRANAT BOM PASUKAN SEMDIRI
      39. NO DRONE UCAV – ANKA ISR OMPONG
      40. SEWA BLACKHAWK SEWA AW159
      41. NO TRACKED SPH
      42. SEWA SIMULATOR HELI
      43. SPH CANCELLED
      44. SCORPION V150 CONDOR SIMBAS RETIRED
      45. NO PESAWAT COIN
      46. PILATUS MK II KARATAN
      47. PENCEROBOHAN 43X BTA 316 HARI
      48. SEWA AW139 SEWA COLIBRI
      49. MRSS LMS B2 UAV ANKA HELI MENUNGGU 2026-2030
      50. OPV DIBAYAR 3 JADI 1 SEWA BOAT
      51. LYNX GROUNDED
      52. MRCA CANCELLED SEWA PESAWAT ITTC
      53. MICA CANCELLED NSM CANCELLED
      54. NO LRAD NO MRAD JUST VSHORAD
      55. PRANK UN PRANK TURKEY PRANK PERANCIS PRANK SLOVAKIA
      56. 4X NGEMIS F18 KUWAIT
      57. MENUNGGU 2050 KAPAL SELAM
      58. NO TANK AMPHIBI AV8 MOGOK BERASAP
      59. 84% NO SAVING EVERY MONTH
      60. OVER LIMIT DEBT 65,6% (LIMIT DEBT 65%)
      =============
      SEWA = HUTANG 84.3% DARI GDP = NO SHOPPING
      1. SEWA 28 HELI
      2. SEWA L39 ITCC
      3. SEWA EC120B
      4. SEWA FLIGHT SIMULATION TRAINING DEVICE (FSTD)
      5. SEWA 1 UNIT SISTEM SIMULATOR EC120B
      6. SEWA HOVERCRAFT
      7. SEWA AW139
      8. SEWA FAST INTERCEPTOR BOAT (FIB)
      9. SEWA UTILITY BOAT
      10. SEWA RIGID HULL FENDER BOAT (RHFB)
      11. SEWA ROVER FIBER GLASS (ROVER)
      12. SEWA MV AISHAH AIM 4
      13. SEWA BMW R1250RT
      14. SEWA 4X4 VECHICLE
      15. SEWA VSHORAD
      16. SEWA TRUCK
      17. SEWA HONDA CIVIC
      18. SEWA PATROL BOATS
      19. SEWA OUTBOARD MOTORS
      20. SEWA TRAILERS
      21. SEWA SUPERBIKES
      22. SEWA SIMULATOR MKM
      23. SEWA 12 AW149 TUDM
      24. SEWA 4 AW139 TUDM
      25. SEWA 5 EC120B TUDM
      26. SEWA 2 AW159 TLDM
      27. SEWA 4 UH-60A TDM
      28. SEWA 12 AW149 TDM
      29. SEWA 4 AW139 BOMBA
      30. SEWA 2 AW159 MMEA
      31. SEWA 7 BELL429 POLIS
      32. SEWA MOTOR POLIS

      Hapus
    6. ⚖️ MRCA LCS SPH MRSS/LPD = ZONK
      DAMPAK POLITIK Garis vertikal menunjukkan pergantian kepemimpinan:
      • 2013: PM Najib / Menhan Zahid.
      • 2015: Menhan Hishammuddin.
      • 2018: PM Mahathir / Menhan Mat Sabu.
      • 2020: PM Muhyiddin / Menhan Ismail Sabri.
      • 2021: PM Ismail Sabri / Menhan Hishammuddin.
      • 2022: PM Anwar / Menhan Khaled Nordin
      ====================
      ====================
      1. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT five units c130j hercules
      2. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT two unit frankethal class countermine vessels (pulau fani class)
      3. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT four units kcr 60 fast missiles boats pt pal
      4. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 9 units bell 412 epi
      5. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 8 additional h225 m
      6. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 2 units bell 429 global ranger
      7. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 18 medium weight tank harimau
      8. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 22 pandur ii ifv
      9. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT two unit hospital ships
      10. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT one unit command and control variant c295
      11. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT one unit cn235 mpa
      12. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 7 badak fsv, 26 anoa apc and 10 additional komodo recce vehicles in 2022
      13. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 4 as 550 fennec and 8 as565 mbe, in 2024
      14. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT five nc212i in 2023
      15. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT one leonardo rat 31 dl/m
      16. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT five c130h ordered from australia in 2013 (finished in 2020) after received grant of 4 c130h
      17. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 9 teluk bintuni class lst
      18. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT six ch4b ucav ordered in 2019
      19. REAL CONTRACT t and process building of abeking & rasmussen design ocean hydrography ship
      20. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT building two ah140 aaw frigate
      21. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT building two opv 90 asw patrol vessels
      22. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT two large lcu for army
      23. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT building two a400m heavy cargo aircraft
      24. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT m3 amphibious bridging system
      25. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 3 kt1 wong bee ordered in 2018 along with radar and spares for t/a50
      26. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT building 13 gm 403 gci radar from thales
      27. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT building 12 anka s ucav
      28. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT building additional ch4b ucav
      29. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT slingshot satcom system
      30. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT falcon 8x aircraft
      31. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT thales alenia earth observation satelite
      32. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 22 s70m blackhawk
      33. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 6 n219 aircraft
      34. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 3 cn235 for army
      35. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 2 ppa patrol frigate
      36. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 2 scorpene subs
      37. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT khan short range ballistic missiles from turki
      38. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT trisula air defense system
      39. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 6 t50i aircraft
      40. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT oiler and replenishment ship
      41. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT several tug harbor ships
      42. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT submarine rescue vessels and system
      43. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 45 atmaca
      44. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 48 kaan
      45. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 48 kf21
      46. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 42 Rafale
      47. ZONK MOD 6x PM 5x MOF 6x vs REAL CONTRACT 42 J10C

      Hapus
    7. MELARAT LON... BAYAR RM 81,998!!!
      FEDERAL 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
      ------------------
      DATA STATISTA 2029-2020 : INCREASE DEBT
      DATA STATISTA 2029-2020 : INCREASE DEBT
      2029 = 438,09 BILLION USD
      2028 = 412,2 BILLION USD
      2027 = 386,51 BILLION USD
      2026 = 362,19 BILLION USD
      2025 = 338,75 BILLION USD
      2024 = 316,15 BILLION USD
      2023 = 293,83 BILLION USD
      2022 = 271,49 BILLION USD
      2021 = 247,49 BILLION USD
      2020 = 221,49 BILLION USD
      ------------------
      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
      ==========
      RINGIT TIDAK LAKU
      HTTPS://WWW.YOUTUBE.COM/WATCH?V=RZD9_NKQIWQ
      ==========
      DEBT 2025 = RM 1,73 TRILLION
      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)

      Hapus
  30. BILA SI BODOH TAK TAHU DIA BODOH...MAKA DISITULAH DIA AKAN BODOH SELAMANYA.....๐Ÿ”ฅ๐Ÿ”ฅ๐Ÿคฃ๐Ÿคฃ

    BalasHapus
    Balasan
    1. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    2. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    3. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    4. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    5. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    6. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    7. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________๐Ÿ› ️ 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.
      ๐Ÿ’ฐ 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.
      ๐Ÿงญ 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.
      ๐Ÿง‘‍✈️ 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.
      ๐ŸŒ 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.

      Hapus
    8. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________๐Ÿ› ️ 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.
      ๐Ÿ’ฐ 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.
      ๐Ÿงญ 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.
      ๐Ÿง‘‍✈️ 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.
      ๐ŸŒ 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.

      Hapus
    9. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________⚙️ 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.
      ๐Ÿ’ฐ 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.
      ๐Ÿงญ 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.
      ๐Ÿ“‰ 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

      Hapus
    10. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________⚙️ 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.
      ๐Ÿ’ฐ 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.
      ๐Ÿงญ 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.
      ๐Ÿ“‰ 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

      Hapus
    11. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________⚠️ 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.
      ๐Ÿšข 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.

      Hapus
    12. PANTASSSS..........
      LCS = FAILURE
      VB BERAPI LP06 = FAILURE
      TANK STRIDE = FAILURE
      ----------------
      Indonesia unggul dalam olimpiade fisika dan matematika internasional karena sistem pembinaan yang lebih terstruktur dan dukungan kompetisi nasional yang kuat, sementara Malondesh belum memiliki ekosistem pembinaan sains yang seintensif Indonesia.
      Berikut penjelasan lebih rinci berdasarkan data dan konteks:
      ๐Ÿ… Prestasi Indonesia di Olimpiade Internasional
      • Matematika (IMO 2024): Indonesia meraih 1 emas, 3 perunggu, dan 2 honorable mention di ajang International Mathematical Olympiad ke-65 di Inggris.
      • Fisika (APhO 2024): Tim Indonesia menyapu bersih medali di Asian Physics Olympiad di Malondesh: 1 emas, 1 perak, 3 perunggu, dan 3 honorable mention.
      • SIMOC 2024 (Singapura): Indonesia menjadi juara umum, mengalahkan Malondesh dan Singapura, dengan 115 medali emas dari 456 peserta.
      ๐Ÿ‡ฎ๐Ÿ‡ฉ Faktor Keberhasilan Indonesia
      • Pembinaan berjenjang: Indonesia memiliki sistem seleksi dan pembinaan berlapis dari tingkat kabupaten, provinsi, hingga nasional melalui Olimpiade Sains Nasional (OSN).
      • Pusat Prestasi Nasional (Puspresnas): Lembaga ini secara aktif membina siswa-siswa terbaik untuk ajang internasional.
      • Komunitas dan alumni aktif: Banyak alumni olimpiade yang kembali sebagai pelatih dan mentor.
      • Dukungan pemerintah dan swasta: Termasuk beasiswa, pelatihan intensif, dan fasilitas belajar.
      ============
      ============
      ๐Ÿ‡ฒ๐Ÿ‡พ Mengapa Malondesh Tertinggal?
      • Kurangnya sistem pembinaan nasional yang terstruktur: Tidak ada ajang sekelas OSN yang konsisten dan masif di seluruh negeri.
      • Fokus pada kompetisi regional: Malondesh lebih sering mengirim peserta ke olimpiade regional atau berbasis undangan, bukan kompetisi global seperti IMO atau IPhO.
      • Minimnya eksposur dan publikasi: Prestasi siswa Malondesh di bidang sains jarang dipublikasikan secara luas, sehingga tidak membentuk ekosistem kompetitif.
      • Kebijakan pendidikan yang lebih fokus pada rata-rata, bukan pada pembinaan talenta unggul.
      ----------------
      ⚓ Proyek Kapal Tempur Pesisir (LCS)
      • Nilai proyek: RM9.1 miliar untuk 6 kapal kelas Maharaja Lela.
      • Masalah: Keterlambatan ekstrem, pembengkakan anggaran, dan dugaan korupsi. Hingga 2025, belum ada kapal yang diserahkan ke Angkatan Laut Malondesh.
      ----------------
      ๐Ÿ”ซ Senapan Vita Berapi (VB Berapi LP06)
      • Produsen: Vita Berapi, perusahaan lokal Malondesh.
      • Desain: Bullpup, peluru 5.56×45mm NATO, kapasitas 30 peluru.
      • Kontroversi:
      o Desain dianggap aneh dan tidak profesional, bahkan menjadi bahan olok-olok publik dan media internasional.
      o Dirancang oleh Viktor Prykhodko, seorang warga Rusia yang tinggal di Malondesh, namun latar belakang teknisnya tidak jelas.
      o Tidak pernah digunakan secara resmi oleh militer Malondesh.
      ----------------
      ๐Ÿ›ก️ Tank Ringan STRIDE
      • Pengembang: STRIDE (Science and Technology Research Institute for Defence), lembaga riset militer Malondesh.
      • Tujuan: Meningkatkan kemandirian industri pertahanan nasional.
      • Kritik:
      o Minimnya transparansi dan uji coba publik membuat efektivitas tank ini diragukan.
      o Tidak ada bukti bahwa tank ini telah digunakan secara aktif oleh militer atau diekspor.
      o Dibandingkan dengan kendaraan tempur ringan dari negara lain, STRIDE dianggap belum kompetitif secara teknologi maupun biaya.

      Hapus
  31. Serius.........๐Ÿ”ฅ๐Ÿ”ฅ๐Ÿคฃ๐Ÿคฃ


    Waduh, Menyedihkan! Ternyata Indonesia Diklaim Sebagai Negara Terbodoh ke 2 di Dunia, Berikut ini Ulasan dan Kajiannya!

    https://www.timenews.co.id/nasional/99514110309/waduh-menyedihkan-ternyata-indonesia-diklaim-sebagai-negara-terbodoh-ke-2-di-dunia-berikut-ini-ulasan-dan-kajiannya

    BalasHapus
    Balasan
    1. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    2. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    3. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    4. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      ๐Ÿšจ 1. LITTORAL COMBAT SHIP (LCS) SCANDAL
      ๐Ÿ’ฐ 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.
      ๐Ÿ‘ค Key Figures
      • Former Navy Chief was implicated but later discharged due to health concerns.
      • The scandal sparked public outrage and demands for transparency.
      ๐Ÿš 2. MD530G Helicopter Procurement Failure
      ๐Ÿ› ️ 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.
      ๐Ÿงพ 3. Land Swap Scandal
      ๐Ÿ—️ 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.
      ๐Ÿ•ต️ 4. RM3 Million Smuggling Conspiracy
      ๐Ÿ” 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


      Hapus
    5. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      ๐Ÿšจ 1. LITTORAL COMBAT SHIP (LCS) SCANDAL
      ๐Ÿ’ฐ 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.
      ๐Ÿ‘ค Key Figures
      • Former Navy Chief was implicated but later discharged due to health concerns.
      • The scandal sparked public outrage and demands for transparency.
      ๐Ÿš 2. MD530G Helicopter Procurement Failure
      ๐Ÿ› ️ 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.
      ๐Ÿงพ 3. Land Swap Scandal
      ๐Ÿ—️ 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.
      ๐Ÿ•ต️ 4. RM3 Million Smuggling Conspiracy
      ๐Ÿ” 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


      Hapus
    6. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      ๐Ÿšข 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.
      ๐Ÿช– Aging Ground Assets – Maid of london (MALON) n Army
      ๐Ÿ“Š 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.
      ๐Ÿ”ง 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.
      ๐Ÿงญ 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

      Hapus
    7. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________๐Ÿ“ฃ 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.
      ๐Ÿ‘‘ 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.
      ๐Ÿ•ต️‍♂️ 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.
      ๐Ÿง‘‍⚖️ 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.

      Hapus
    8. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________๐Ÿ“ฃ 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.
      ๐Ÿ‘‘ 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.
      ๐Ÿ•ต️‍♂️ 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.
      ๐Ÿง‘‍⚖️ 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.

      Hapus
    9. OVERLIMITS DEBT = HUTANG BAYAR HUTANG
      TUKANG HUTANG = DIPERAS RM 81,998
      --------------------
      FEDERAL 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
      3️⃣ Ringkasan dalam tabel
      Periode Total Utang (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM) Kenaikan per Orang (RM)
      Akhir 2024 1.25 35,977,838 34,735 –
      Juni 2025 1.30 35,977,838 36,139 +1,404
      4️⃣ Analisis
      • Dalam 6 bulan pertama 2025, utang per penduduk naik sekitar RM 1,404.
      • Kenaikan ini setara dengan +4% dibanding akhir 2024.
      • Artinya, setiap warga Malondesh secara rata-rata “menanggung” tambahan utang sekitar RM 234 per bulan selama periode tersebut.
      --------------------
      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
      3️⃣ Ringkasan dalam tabel
      Periode Total Utang Rumah Tangga (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM)
      Maret 2025 1.65 35,977,838 45,859
      4️⃣ Analisis
      • Setiap penduduk Malondesh, secara rata-rata, “menanggung” utang rumah tangga sekitar RM 45,859.
      • Angka ini lebih tinggi dibanding utang per kapita pemerintah federal yang kita hitung sebelumnya (sekitar RM 36 ribu per orang).
      • Jika digabungkan (utang pemerintah + utang rumah tangga), beban utang total per kapita bisa mendekati RM 82 ribu.
      • Rasio 84.3% dari PDB menunjukkan bahwa utang rumah tangga Malondesh relatif tinggi dibanding ukuran ekonominya, yang dapat memengaruhi daya beli dan risiko keuangan rumah tangga jika suku bunga naik.
      --------------------
      DATA STATISTA 2029-2020 : INCREASE DEBT
      DATA STATISTA 2029-2020 : INCREASE DEBT
      2029 = 438,09 BILLION USD
      2028 = 412,2 BILLION USD
      2027 = 386,51 BILLION USD
      2026 = 362,19 BILLION USD
      2025 = 338,75 BILLION USD
      2024 = 316,15 BILLION USD
      2023 = 293,83 BILLION USD
      2022 = 271,49 BILLION USD
      2021 = 247,49 BILLION USD
      2020 = 221,49 BILLION USD
      ------------------
      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

      Hapus
    10. JUARA DUNIA FISIKA MATEMATIK
      Indonesia unggul dalam olimpiade fisika dan matematika internasional karena sistem pembinaan yang lebih terstruktur dan dukungan kompetisi nasional yang kuat, sementara Malondesh belum memiliki ekosistem pembinaan sains yang seintensif Indonesia.
      Berikut penjelasan lebih rinci berdasarkan data dan konteks:
      ๐Ÿ… Prestasi Indonesia di Olimpiade Internasional
      • Matematika (IMO 2024): Indonesia meraih 1 emas, 3 perunggu, dan 2 honorable mention di ajang International Mathematical Olympiad ke-65 di Inggris.
      • Fisika (APhO 2024): Tim Indonesia menyapu bersih medali di Asian Physics Olympiad di Malondesh: 1 emas, 1 perak, 3 perunggu, dan 3 honorable mention.
      • SIMOC 2024 (Singapura): Indonesia menjadi juara umum, mengalahkan Malondesh dan Singapura, dengan 115 medali emas dari 456 peserta.
      ๐Ÿ‡ฎ๐Ÿ‡ฉ Faktor Keberhasilan Indonesia
      • Pembinaan berjenjang: Indonesia memiliki sistem seleksi dan pembinaan berlapis dari tingkat kabupaten, provinsi, hingga nasional melalui Olimpiade Sains Nasional (OSN).
      • Pusat Prestasi Nasional (Puspresnas): Lembaga ini secara aktif membina siswa-siswa terbaik untuk ajang internasional.
      • Komunitas dan alumni aktif: Banyak alumni olimpiade yang kembali sebagai pelatih dan mentor.
      • Dukungan pemerintah dan swasta: Termasuk beasiswa, pelatihan intensif, dan fasilitas belajar.
      ============
      ============
      ๐Ÿ‡ฒ๐Ÿ‡พ Mengapa Malondesh Tertinggal?
      • Kurangnya sistem pembinaan nasional yang terstruktur: Tidak ada ajang sekelas OSN yang konsisten dan masif di seluruh negeri.
      • Fokus pada kompetisi regional: Malondesh lebih sering mengirim peserta ke olimpiade regional atau berbasis undangan, bukan kompetisi global seperti IMO atau IPhO.
      • Minimnya eksposur dan publikasi: Prestasi siswa Malondesh di bidang sains jarang dipublikasikan secara luas, sehingga tidak membentuk ekosistem kompetitif.
      • Kebijakan pendidikan yang lebih fokus pada rata-rata, bukan pada pembinaan talenta unggul.
      ----------------
      ⚓ Proyek Kapal Tempur Pesisir (LCS)
      • Nilai proyek: RM9.1 miliar untuk 6 kapal kelas Maharaja Lela.
      • Masalah: Keterlambatan ekstrem, pembengkakan anggaran, dan dugaan korupsi. Hingga 2025, belum ada kapal yang diserahkan ke Angkatan Laut Malondesh.
      ----------------
      ๐Ÿ”ซ Senapan Vita Berapi (VB Berapi LP06)
      • Produsen: Vita Berapi, perusahaan lokal Malondesh.
      • Desain: Bullpup, peluru 5.56×45mm NATO, kapasitas 30 peluru.
      • Kontroversi:
      o Desain dianggap aneh dan tidak profesional, bahkan menjadi bahan olok-olok publik dan media internasional.
      o Dirancang oleh Viktor Prykhodko, seorang warga Rusia yang tinggal di Malondesh, namun latar belakang teknisnya tidak jelas.
      o Tidak pernah digunakan secara resmi oleh militer Malondesh.
      ----------------
      ๐Ÿ›ก️ Tank Ringan STRIDE
      • Pengembang: STRIDE (Science and Technology Research Institute for Defence), lembaga riset militer Malondesh.
      • Tujuan: Meningkatkan kemandirian industri pertahanan nasional.
      • Kritik:
      o Minimnya transparansi dan uji coba publik membuat efektivitas tank ini diragukan.
      o Tidak ada bukti bahwa tank ini telah digunakan secara aktif oleh militer atau diekspor.
      o Dibandingkan dengan kendaraan tempur ringan dari negara lain, STRIDE dianggap belum kompetitif secara teknologi maupun biaya.
      ---------------
      PANTASSSS..........
      LCS = FAILURE
      VB BERAPI LP06 = FAILURE
      TANK STRIDE = FAILURE
      ---------------
      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

      Hapus
  32. NO. 1 ASIA = PORN
    NO. 2 ASIA = HOUSEHOLD DEBT
    NO. 3 ASIA = RATIO DEBT TO GDP
    NO. 4 WORLD = PORN
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ________________________________________-
    ๐Ÿ“‰ 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
    ________________________________________
    JUARA PORNO :
    In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.
    ________________________________________๐Ÿ“ฃ 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.
    ๐Ÿ‘‘ 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.
    ๐Ÿ•ต️‍♂️ 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.
    ๐Ÿง‘‍⚖️ 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.

    BalasHapus
  33. NO. 1 ASIA = PORN
    NO. 2 ASIA = HOUSEHOLD DEBT
    NO. 3 ASIA = RATIO DEBT TO GDP
    NO. 4 WORLD = PORN
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ________________________________________-
    ๐Ÿ“‰ 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
    ________________________________________
    JUARA PORNO :
    In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.
    ________________________________________๐Ÿ•ต️‍♂️ 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.
    ๐Ÿ” 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.

    BalasHapus
  34. PANTASSSS..........
    LCS = FAILURE
    VB BERAPI LP06 = FAILURE
    TANK STRIDE = FAILURE
    ----------------
    Indonesia unggul dalam olimpiade fisika dan matematika internasional karena sistem pembinaan yang lebih terstruktur dan dukungan kompetisi nasional yang kuat, sementara Malondesh belum memiliki ekosistem pembinaan sains yang seintensif Indonesia.
    Berikut penjelasan lebih rinci berdasarkan data dan konteks:
    ๐Ÿ… Prestasi Indonesia di Olimpiade Internasional
    • Matematika (IMO 2024): Indonesia meraih 1 emas, 3 perunggu, dan 2 honorable mention di ajang International Mathematical Olympiad ke-65 di Inggris.
    • Fisika (APhO 2024): Tim Indonesia menyapu bersih medali di Asian Physics Olympiad di Malondesh: 1 emas, 1 perak, 3 perunggu, dan 3 honorable mention.
    • SIMOC 2024 (Singapura): Indonesia menjadi juara umum, mengalahkan Malondesh dan Singapura, dengan 115 medali emas dari 456 peserta.
    ๐Ÿ‡ฎ๐Ÿ‡ฉ Faktor Keberhasilan Indonesia
    • Pembinaan berjenjang: Indonesia memiliki sistem seleksi dan pembinaan berlapis dari tingkat kabupaten, provinsi, hingga nasional melalui Olimpiade Sains Nasional (OSN).
    • Pusat Prestasi Nasional (Puspresnas): Lembaga ini secara aktif membina siswa-siswa terbaik untuk ajang internasional.
    • Komunitas dan alumni aktif: Banyak alumni olimpiade yang kembali sebagai pelatih dan mentor.
    • Dukungan pemerintah dan swasta: Termasuk beasiswa, pelatihan intensif, dan fasilitas belajar.
    ============
    ============
    ๐Ÿ‡ฒ๐Ÿ‡พ Mengapa Malondesh Tertinggal?
    • Kurangnya sistem pembinaan nasional yang terstruktur: Tidak ada ajang sekelas OSN yang konsisten dan masif di seluruh negeri.
    • Fokus pada kompetisi regional: Malondesh lebih sering mengirim peserta ke olimpiade regional atau berbasis undangan, bukan kompetisi global seperti IMO atau IPhO.
    • Minimnya eksposur dan publikasi: Prestasi siswa Malondesh di bidang sains jarang dipublikasikan secara luas, sehingga tidak membentuk ekosistem kompetitif.
    • Kebijakan pendidikan yang lebih fokus pada rata-rata, bukan pada pembinaan talenta unggul.
    ----------------
    ⚓ Proyek Kapal Tempur Pesisir (LCS)
    • Nilai proyek: RM9.1 miliar untuk 6 kapal kelas Maharaja Lela.
    • Masalah: Keterlambatan ekstrem, pembengkakan anggaran, dan dugaan korupsi. Hingga 2025, belum ada kapal yang diserahkan ke Angkatan Laut Malondesh.
    ----------------
    ๐Ÿ”ซ Senapan Vita Berapi (VB Berapi LP06)
    • Produsen: Vita Berapi, perusahaan lokal Malondesh.
    • Desain: Bullpup, peluru 5.56×45mm NATO, kapasitas 30 peluru.
    • Kontroversi:
    o Desain dianggap aneh dan tidak profesional, bahkan menjadi bahan olok-olok publik dan media internasional.
    o Dirancang oleh Viktor Prykhodko, seorang warga Rusia yang tinggal di Malondesh, namun latar belakang teknisnya tidak jelas.
    o Tidak pernah digunakan secara resmi oleh militer Malondesh.
    ----------------
    ๐Ÿ›ก️ Tank Ringan STRIDE
    • Pengembang: STRIDE (Science and Technology Research Institute for Defence), lembaga riset militer Malondesh.
    • Tujuan: Meningkatkan kemandirian industri pertahanan nasional.
    • Kritik:
    o Minimnya transparansi dan uji coba publik membuat efektivitas tank ini diragukan.
    o Tidak ada bukti bahwa tank ini telah digunakan secara aktif oleh militer atau diekspor.
    o Dibandingkan dengan kendaraan tempur ringan dari negara lain, STRIDE dianggap belum kompetitif secara teknologi maupun biaya.

    BalasHapus
  35. Jangan bimbang guys ada masa lagi untuk naik jadi PERINGKAT 1.........๐Ÿ”ฅ๐Ÿ”ฅ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ


    Waduh, Menyedihkan! Ternyata Indonesia Diklaim Sebagai Negara Terbodoh ke 2 di Dunia, Berikut ini Ulasan dan Kajiannya!

    https://www.timenews.co.id/nasional/99514110309/waduh-menyedihkan-ternyata-indonesia-diklaim-sebagai-negara-terbodoh-ke-2-di-dunia-berikut-ini-ulasan-dan-kajiannya

    BalasHapus
    Balasan
    1. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      PMX =
      BAHAN BAHAN KETAWA DUNIA
      Perdana Menteri Anwar Ibrahim dikritik kerana membuat gurauan berkaitan isteri kedua dalam pertemuannya dengan Presiden Rusia Vladimir Putin dalam lawatan rasmi ke Moscow..
      Anggota Parlimen Tasek Gelugor mendakwa Putin juga sengaja memperolok Anwar dengan mendedahkan perbualan mereka.
      Wan Saiful juga berkata insiden itu menjadikan MAID OF LONDON (MALON) bahan BAHAN KETAWA DUNIA.
      ===========
      15 YEARS = BAHAN BAHAN KETAWA DUNIA
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      Defence Minister DSU Mohamad Hasan - By building five ships, each vessel will cost around RM2.2 billion to RM2.4 billion, he said adding that he has no idea the amount needed to build the other three. “If we were to build only two ships, it will cost around RM4.5 billion each, making it the world’s most expensive ship for its class and make us a laughing-stock to the world”

      Hapus
    2. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      PMX =
      BAHAN BAHAN KETAWA DUNIA
      Perdana Menteri Anwar Ibrahim dikritik kerana membuat gurauan berkaitan isteri kedua dalam pertemuannya dengan Presiden Rusia Vladimir Putin dalam lawatan rasmi ke Moscow..
      Anggota Parlimen Tasek Gelugor mendakwa Putin juga sengaja memperolok Anwar dengan mendedahkan perbualan mereka.
      Wan Saiful juga berkata insiden itu menjadikan MAID OF LONDON (MALON) bahan BAHAN KETAWA DUNIA.
      ===========
      15 YEARS = BAHAN BAHAN KETAWA DUNIA
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      Defence Minister DSU Mohamad Hasan - By building five ships, each vessel will cost around RM2.2 billion to RM2.4 billion, he said adding that he has no idea the amount needed to build the other three. “If we were to build only two ships, it will cost around RM4.5 billion each, making it the world’s most expensive ship for its class and make us a laughing-stock to the world”

      Hapus
    3. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      PMX =
      BAHAN BAHAN KETAWA DUNIA
      Perdana Menteri Anwar Ibrahim dikritik kerana membuat gurauan berkaitan isteri kedua dalam pertemuannya dengan Presiden Rusia Vladimir Putin dalam lawatan rasmi ke Moscow..
      Anggota Parlimen Tasek Gelugor mendakwa Putin juga sengaja memperolok Anwar dengan mendedahkan perbualan mereka.
      Wan Saiful juga berkata insiden itu menjadikan MAID OF LONDON (MALON) bahan BAHAN KETAWA DUNIA.
      ===========
      15 YEARS = BAHAN BAHAN KETAWA DUNIA
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      Defence Minister DSU Mohamad Hasan - By building five ships, each vessel will cost around RM2.2 billion to RM2.4 billion, he said adding that he has no idea the amount needed to build the other three. “If we were to build only two ships, it will cost around RM4.5 billion each, making it the world’s most expensive ship for its class and make us a laughing-stock to the world”

      Hapus
    4. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      PMX =
      BAHAN BAHAN KETAWA DUNIA
      Perdana Menteri Anwar Ibrahim dikritik kerana membuat gurauan berkaitan isteri kedua dalam pertemuannya dengan Presiden Rusia Vladimir Putin dalam lawatan rasmi ke Moscow..
      Anggota Parlimen Tasek Gelugor mendakwa Putin juga sengaja memperolok Anwar dengan mendedahkan perbualan mereka.
      Wan Saiful juga berkata insiden itu menjadikan MAID OF LONDON (MALON) bahan BAHAN KETAWA DUNIA.
      ===========
      15 YEARS = BAHAN BAHAN KETAWA DUNIA
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      Defence Minister DSU Mohamad Hasan - By building five ships, each vessel will cost around RM2.2 billion to RM2.4 billion, he said adding that he has no idea the amount needed to build the other three. “If we were to build only two ships, it will cost around RM4.5 billion each, making it the world’s most expensive ship for its class and make us a laughing-stock to the world”

      Hapus
    5. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      PMX =
      BAHAN BAHAN KETAWA DUNIA
      Perdana Menteri Anwar Ibrahim dikritik kerana membuat gurauan berkaitan isteri kedua dalam pertemuannya dengan Presiden Rusia Vladimir Putin dalam lawatan rasmi ke Moscow..
      Anggota Parlimen Tasek Gelugor mendakwa Putin juga sengaja memperolok Anwar dengan mendedahkan perbualan mereka.
      Wan Saiful juga berkata insiden itu menjadikan MAID OF LONDON (MALON) bahan BAHAN KETAWA DUNIA.
      ===========
      15 YEARS = BAHAN BAHAN KETAWA DUNIA
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      Defence Minister DSU Mohamad Hasan - By building five ships, each vessel will cost around RM2.2 billion to RM2.4 billion, he said adding that he has no idea the amount needed to build the other three. “If we were to build only two ships, it will cost around RM4.5 billion each, making it the world’s most expensive ship for its class and make us a laughing-stock to the world”

      Hapus
    6. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      ๐Ÿšจ 1. LITTORAL COMBAT SHIP (LCS) SCANDAL
      ๐Ÿ’ฐ 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.
      ๐Ÿ‘ค Key Figures
      • Former Navy Chief was implicated but later discharged due to health concerns.
      • The scandal sparked public outrage and demands for transparency.
      ๐Ÿš 2. MD530G Helicopter Procurement Failure
      ๐Ÿ› ️ 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.
      ๐Ÿงพ 3. Land Swap Scandal
      ๐Ÿ—️ 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.
      ๐Ÿ•ต️ 4. RM3 Million Smuggling Conspiracy
      ๐Ÿ” 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

      Hapus
    7. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      ๐Ÿšข 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.
      ๐Ÿช– Aging Ground Assets – Maid of london (MALON) n Army
      ๐Ÿ“Š 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.
      ๐Ÿ”ง 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.
      ๐Ÿงญ 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

      Hapus
    8. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________๐Ÿ“ฃ 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.
      ๐Ÿ‘‘ 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.
      ๐Ÿ•ต️‍♂️ 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.
      ๐Ÿง‘‍⚖️ 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.

      Hapus
    9. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________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 militerAnggaran 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

      Hapus
  36. Geng MALAYSIA sudah lama tahu..... ๐Ÿ”ฅ๐Ÿ”ฅ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ



    Indonesia Negara ‘Terbodoh’ ke 2 di Dunia

    https://muslimahreformis.co/indonesia-negara-terbodoh-ke-2-di-dunia/

    BalasHapus
    Balasan
    1. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      PMX =
      BAHAN BAHAN KETAWA DUNIA
      Perdana Menteri Anwar Ibrahim dikritik kerana membuat gurauan berkaitan isteri kedua dalam pertemuannya dengan Presiden Rusia Vladimir Putin dalam lawatan rasmi ke Moscow..
      Anggota Parlimen Tasek Gelugor mendakwa Putin juga sengaja memperolok Anwar dengan mendedahkan perbualan mereka.
      Wan Saiful juga berkata insiden itu menjadikan MAID OF LONDON (MALON) bahan BAHAN KETAWA DUNIA.
      ===========
      15 YEARS = BAHAN BAHAN KETAWA DUNIA
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      Defence Minister DSU Mohamad Hasan - By building five ships, each vessel will cost around RM2.2 billion to RM2.4 billion, he said adding that he has no idea the amount needed to build the other three. “If we were to build only two ships, it will cost around RM4.5 billion each, making it the world’s most expensive ship for its class and make us a laughing-stock to the world”

      Hapus
    2. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      PMX =
      BAHAN BAHAN KETAWA DUNIA
      Perdana Menteri Anwar Ibrahim dikritik kerana membuat gurauan berkaitan isteri kedua dalam pertemuannya dengan Presiden Rusia Vladimir Putin dalam lawatan rasmi ke Moscow..
      Anggota Parlimen Tasek Gelugor mendakwa Putin juga sengaja memperolok Anwar dengan mendedahkan perbualan mereka.
      Wan Saiful juga berkata insiden itu menjadikan MAID OF LONDON (MALON) bahan BAHAN KETAWA DUNIA.
      ===========
      15 YEARS = BAHAN BAHAN KETAWA DUNIA
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      Defence Minister DSU Mohamad Hasan - By building five ships, each vessel will cost around RM2.2 billion to RM2.4 billion, he said adding that he has no idea the amount needed to build the other three. “If we were to build only two ships, it will cost around RM4.5 billion each, making it the world’s most expensive ship for its class and make us a laughing-stock to the world”

      Hapus
    3. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      PMX =
      BAHAN BAHAN KETAWA DUNIA
      Perdana Menteri Anwar Ibrahim dikritik kerana membuat gurauan berkaitan isteri kedua dalam pertemuannya dengan Presiden Rusia Vladimir Putin dalam lawatan rasmi ke Moscow..
      Anggota Parlimen Tasek Gelugor mendakwa Putin juga sengaja memperolok Anwar dengan mendedahkan perbualan mereka.
      Wan Saiful juga berkata insiden itu menjadikan MAID OF LONDON (MALON) bahan BAHAN KETAWA DUNIA.
      ===========
      15 YEARS = BAHAN BAHAN KETAWA DUNIA
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      Defence Minister DSU Mohamad Hasan - By building five ships, each vessel will cost around RM2.2 billion to RM2.4 billion, he said adding that he has no idea the amount needed to build the other three. “If we were to build only two ships, it will cost around RM4.5 billion each, making it the world’s most expensive ship for its class and make us a laughing-stock to the world”

      Hapus
    4. BUKTI IQ RM 15...........
      LCS = FAILURE
      VB BERAPI LP06 = FAILURE
      TANK STRIDE = FAILURE
      ----------------
      ⚓ Proyek Kapal Tempur Pesisir (LCS)
      • Nilai proyek: RM9.1 miliar untuk 6 kapal kelas Maharaja Lela.
      • Masalah: Keterlambatan ekstrem, pembengkakan anggaran, dan dugaan korupsi. Hingga 2025, belum ada kapal yang diserahkan ke Angkatan Laut Malondesh.
      ----------------
      ๐Ÿ”ซ Senapan Vita Berapi (VB Berapi LP06)
      • Produsen: Vita Berapi, perusahaan lokal Malondesh.
      • Desain: Bullpup, peluru 5.56×45mm NATO, kapasitas 30 peluru.
      • Kontroversi:
      o Desain dianggap aneh dan tidak profesional, bahkan menjadi bahan olok-olok publik dan media internasional.
      o Dirancang oleh Viktor Prykhodko, seorang warga Rusia yang tinggal di Malondesh, namun latar belakang teknisnya tidak jelas.
      o Tidak pernah digunakan secara resmi oleh militer Malondesh.
      ----------------
      ๐Ÿ›ก️ Tank Ringan STRIDE
      • Pengembang: STRIDE (Science and Technology Research Institute for Defence), lembaga riset militer Malondesh.
      • Tujuan: Meningkatkan kemandirian industri pertahanan nasional.
      • Kritik:
      o Minimnya transparansi dan uji coba publik membuat efektivitas tank ini diragukan.
      o Tidak ada bukti bahwa tank ini telah digunakan secara aktif oleh militer atau diekspor.
      o Dibandingkan dengan kendaraan tempur ringan dari negara lain, STRIDE dianggap belum kompetitif secara teknologi maupun biaya.
      ----------------
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    5. BUKTI IQ RM 15...........
      LCS = FAILURE
      VB BERAPI LP06 = FAILURE
      TANK STRIDE = FAILURE
      ----------------
      ⚓ Proyek Kapal Tempur Pesisir (LCS)
      • Nilai proyek: RM9.1 miliar untuk 6 kapal kelas Maharaja Lela.
      • Masalah: Keterlambatan ekstrem, pembengkakan anggaran, dan dugaan korupsi. Hingga 2025, belum ada kapal yang diserahkan ke Angkatan Laut Malondesh.
      ----------------
      ๐Ÿ”ซ Senapan Vita Berapi (VB Berapi LP06)
      • Produsen: Vita Berapi, perusahaan lokal Malondesh.
      • Desain: Bullpup, peluru 5.56×45mm NATO, kapasitas 30 peluru.
      • Kontroversi:
      o Desain dianggap aneh dan tidak profesional, bahkan menjadi bahan olok-olok publik dan media internasional.
      o Dirancang oleh Viktor Prykhodko, seorang warga Rusia yang tinggal di Malondesh, namun latar belakang teknisnya tidak jelas.
      o Tidak pernah digunakan secara resmi oleh militer Malondesh.
      ----------------
      ๐Ÿ›ก️ Tank Ringan STRIDE
      • Pengembang: STRIDE (Science and Technology Research Institute for Defence), lembaga riset militer Malondesh.
      • Tujuan: Meningkatkan kemandirian industri pertahanan nasional.
      • Kritik:
      o Minimnya transparansi dan uji coba publik membuat efektivitas tank ini diragukan.
      o Tidak ada bukti bahwa tank ini telah digunakan secara aktif oleh militer atau diekspor.
      o Dibandingkan dengan kendaraan tempur ringan dari negara lain, STRIDE dianggap belum kompetitif secara teknologi maupun biaya.
      ----------------
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
  37. BILA SI BODOH TAK TAHU DIA BODOH...MAKA DISITULAH DIA AKAN BODOH SELAMANYA.....๐Ÿ”ฅ๐Ÿ”ฅ๐Ÿคฃ๐Ÿคฃ

    BalasHapus
    Balasan
    1. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      PMX =
      BAHAN BAHAN KETAWA DUNIA
      Perdana Menteri Anwar Ibrahim dikritik kerana membuat gurauan berkaitan isteri kedua dalam pertemuannya dengan Presiden Rusia Vladimir Putin dalam lawatan rasmi ke Moscow..
      Anggota Parlimen Tasek Gelugor mendakwa Putin juga sengaja memperolok Anwar dengan mendedahkan perbualan mereka.
      Wan Saiful juga berkata insiden itu menjadikan MAID OF LONDON (MALON) bahan BAHAN KETAWA DUNIA.
      ===========
      15 YEARS = BAHAN BAHAN KETAWA DUNIA
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      Defence Minister DSU Mohamad Hasan - By building five ships, each vessel will cost around RM2.2 billion to RM2.4 billion, he said adding that he has no idea the amount needed to build the other three. “If we were to build only two ships, it will cost around RM4.5 billion each, making it the world’s most expensive ship for its class and make us a laughing-stock to the world”

      Hapus
    2. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      PMX =
      BAHAN BAHAN KETAWA DUNIA
      Perdana Menteri Anwar Ibrahim dikritik kerana membuat gurauan berkaitan isteri kedua dalam pertemuannya dengan Presiden Rusia Vladimir Putin dalam lawatan rasmi ke Moscow..
      Anggota Parlimen Tasek Gelugor mendakwa Putin juga sengaja memperolok Anwar dengan mendedahkan perbualan mereka.
      Wan Saiful juga berkata insiden itu menjadikan MAID OF LONDON (MALON) bahan BAHAN KETAWA DUNIA.
      ===========
      15 YEARS = BAHAN BAHAN KETAWA DUNIA
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      Defence Minister DSU Mohamad Hasan - By building five ships, each vessel will cost around RM2.2 billion to RM2.4 billion, he said adding that he has no idea the amount needed to build the other three. “If we were to build only two ships, it will cost around RM4.5 billion each, making it the world’s most expensive ship for its class and make us a laughing-stock to the world”

      Hapus
    3. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      PMX =
      BAHAN BAHAN KETAWA DUNIA
      Perdana Menteri Anwar Ibrahim dikritik kerana membuat gurauan berkaitan isteri kedua dalam pertemuannya dengan Presiden Rusia Vladimir Putin dalam lawatan rasmi ke Moscow..
      Anggota Parlimen Tasek Gelugor mendakwa Putin juga sengaja memperolok Anwar dengan mendedahkan perbualan mereka.
      Wan Saiful juga berkata insiden itu menjadikan MAID OF LONDON (MALON) bahan BAHAN KETAWA DUNIA.
      ===========
      15 YEARS = BAHAN BAHAN KETAWA DUNIA
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      Defence Minister DSU Mohamad Hasan - By building five ships, each vessel will cost around RM2.2 billion to RM2.4 billion, he said adding that he has no idea the amount needed to build the other three. “If we were to build only two ships, it will cost around RM4.5 billion each, making it the world’s most expensive ship for its class and make us a laughing-stock to the world”

      Hapus
    4. JUARA DUNIA FISIKA MATEMATIK
      Indonesia unggul dalam olimpiade fisika dan matematika internasional karena sistem pembinaan yang lebih terstruktur dan dukungan kompetisi nasional yang kuat, sementara Malondesh belum memiliki ekosistem pembinaan sains yang seintensif Indonesia.
      Berikut penjelasan lebih rinci berdasarkan data dan konteks:
      ๐Ÿ… Prestasi Indonesia di Olimpiade Internasional
      • Matematika (IMO 2024): Indonesia meraih 1 emas, 3 perunggu, dan 2 honorable mention di ajang International Mathematical Olympiad ke-65 di Inggris.
      • Fisika (APhO 2024): Tim Indonesia menyapu bersih medali di Asian Physics Olympiad di Malondesh: 1 emas, 1 perak, 3 perunggu, dan 3 honorable mention.
      • SIMOC 2024 (Singapura): Indonesia menjadi juara umum, mengalahkan Malondesh dan Singapura, dengan 115 medali emas dari 456 peserta.
      ๐Ÿ‡ฎ๐Ÿ‡ฉ Faktor Keberhasilan Indonesia
      • Pembinaan berjenjang: Indonesia memiliki sistem seleksi dan pembinaan berlapis dari tingkat kabupaten, provinsi, hingga nasional melalui Olimpiade Sains Nasional (OSN).
      • Pusat Prestasi Nasional (Puspresnas): Lembaga ini secara aktif membina siswa-siswa terbaik untuk ajang internasional.
      • Komunitas dan alumni aktif: Banyak alumni olimpiade yang kembali sebagai pelatih dan mentor.
      • Dukungan pemerintah dan swasta: Termasuk beasiswa, pelatihan intensif, dan fasilitas belajar.
      ============
      ============
      ๐Ÿ‡ฒ๐Ÿ‡พ Mengapa Malondesh Tertinggal?
      • Kurangnya sistem pembinaan nasional yang terstruktur: Tidak ada ajang sekelas OSN yang konsisten dan masif di seluruh negeri.
      • Fokus pada kompetisi regional: Malondesh lebih sering mengirim peserta ke olimpiade regional atau berbasis undangan, bukan kompetisi global seperti IMO atau IPhO.
      • Minimnya eksposur dan publikasi: Prestasi siswa Malondesh di bidang sains jarang dipublikasikan secara luas, sehingga tidak membentuk ekosistem kompetitif.
      • Kebijakan pendidikan yang lebih fokus pada rata-rata, bukan pada pembinaan talenta unggul.
      ----------------
      ⚓ Proyek Kapal Tempur Pesisir (LCS)
      • Nilai proyek: RM9.1 miliar untuk 6 kapal kelas Maharaja Lela.
      • Masalah: Keterlambatan ekstrem, pembengkakan anggaran, dan dugaan korupsi. Hingga 2025, belum ada kapal yang diserahkan ke Angkatan Laut Malondesh.
      ----------------
      ๐Ÿ”ซ Senapan Vita Berapi (VB Berapi LP06)
      • Produsen: Vita Berapi, perusahaan lokal Malondesh.
      • Desain: Bullpup, peluru 5.56×45mm NATO, kapasitas 30 peluru.
      • Kontroversi:
      o Desain dianggap aneh dan tidak profesional, bahkan menjadi bahan olok-olok publik dan media internasional.
      o Dirancang oleh Viktor Prykhodko, seorang warga Rusia yang tinggal di Malondesh, namun latar belakang teknisnya tidak jelas.
      o Tidak pernah digunakan secara resmi oleh militer Malondesh.
      ----------------
      ๐Ÿ›ก️ Tank Ringan STRIDE
      • Pengembang: STRIDE (Science and Technology Research Institute for Defence), lembaga riset militer Malondesh.
      • Tujuan: Meningkatkan kemandirian industri pertahanan nasional.
      • Kritik:
      o Minimnya transparansi dan uji coba publik membuat efektivitas tank ini diragukan.
      o Tidak ada bukti bahwa tank ini telah digunakan secara aktif oleh militer atau diekspor.
      o Dibandingkan dengan kendaraan tempur ringan dari negara lain, STRIDE dianggap belum kompetitif secara teknologi maupun biaya.
      ---------------
      PANTASSSS..........
      LCS = FAILURE
      VB BERAPI LP06 = FAILURE
      TANK STRIDE = FAILURE
      ---------------
      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

      Hapus
  38. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
    NO. 1 ASIA = PORN
    NO. 2 ASIA = HOUSEHOLD DEBT
    NO. 3 ASIA = RATIO DEBT TO GDP
    NO. 4 WORLD = PORN
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ________________________________________-
    ๐Ÿ“‰ 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
    ________________________________________
    JUARA PORNO :
    In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
    ________________________________________
    PMX =
    BAHAN BAHAN KETAWA DUNIA
    Perdana Menteri Anwar Ibrahim dikritik kerana membuat gurauan berkaitan isteri kedua dalam pertemuannya dengan Presiden Rusia Vladimir Putin dalam lawatan rasmi ke Moscow..
    Anggota Parlimen Tasek Gelugor mendakwa Putin juga sengaja memperolok Anwar dengan mendedahkan perbualan mereka.
    Wan Saiful juga berkata insiden itu menjadikan MAID OF LONDON (MALON) bahan BAHAN KETAWA DUNIA.
    ===========
    15 YEARS = BAHAN BAHAN KETAWA DUNIA
    LAUGHING STOCK TO THE WORLD
    LAUGHING STOCK TO THE WORLD
    LAUGHING STOCK TO THE WORLD
    Defence Minister DSU Mohamad Hasan - By building five ships, each vessel will cost around RM2.2 billion to RM2.4 billion, he said adding that he has no idea the amount needed to build the other three. “If we were to build only two ships, it will cost around RM4.5 billion each, making it the world’s most expensive ship for its class and make us a laughing-stock to the world”

    BalasHapus
  39. BILA SI BODOH TAK TAHU DIA BODOH DAN SELALU TERASA PINTAR...

    MAKA DISITULAH DIA AKAN BODOH SELAMANYA.....๐Ÿ”ฅ๐Ÿ”ฅ๐Ÿคฃ๐Ÿคฃ

    BalasHapus
    Balasan
    1. BUKTI IQ RM 15...........
      LCS = FAILURE
      VB BERAPI LP06 = FAILURE
      TANK STRIDE = FAILURE
      ----------------
      ⚓ Proyek Kapal Tempur Pesisir (LCS)
      • Nilai proyek: RM9.1 miliar untuk 6 kapal kelas Maharaja Lela.
      • Masalah: Keterlambatan ekstrem, pembengkakan anggaran, dan dugaan korupsi. Hingga 2025, belum ada kapal yang diserahkan ke Angkatan Laut Malondesh.
      ----------------
      ๐Ÿ”ซ Senapan Vita Berapi (VB Berapi LP06)
      • Produsen: Vita Berapi, perusahaan lokal Malondesh.
      • Desain: Bullpup, peluru 5.56×45mm NATO, kapasitas 30 peluru.
      • Kontroversi:
      o Desain dianggap aneh dan tidak profesional, bahkan menjadi bahan olok-olok publik dan media internasional.
      o Dirancang oleh Viktor Prykhodko, seorang warga Rusia yang tinggal di Malondesh, namun latar belakang teknisnya tidak jelas.
      o Tidak pernah digunakan secara resmi oleh militer Malondesh.
      ----------------
      ๐Ÿ›ก️ Tank Ringan STRIDE
      • Pengembang: STRIDE (Science and Technology Research Institute for Defence), lembaga riset militer Malondesh.
      • Tujuan: Meningkatkan kemandirian industri pertahanan nasional.
      • Kritik:
      o Minimnya transparansi dan uji coba publik membuat efektivitas tank ini diragukan.
      o Tidak ada bukti bahwa tank ini telah digunakan secara aktif oleh militer atau diekspor.
      o Dibandingkan dengan kendaraan tempur ringan dari negara lain, STRIDE dianggap belum kompetitif secara teknologi maupun biaya.
      ----------------
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    2. BUKTI IQ RM 15...........
      LCS = FAILURE
      VB BERAPI LP06 = FAILURE
      TANK STRIDE = FAILURE
      ----------------
      ⚓ Proyek Kapal Tempur Pesisir (LCS)
      • Nilai proyek: RM9.1 miliar untuk 6 kapal kelas Maharaja Lela.
      • Masalah: Keterlambatan ekstrem, pembengkakan anggaran, dan dugaan korupsi. Hingga 2025, belum ada kapal yang diserahkan ke Angkatan Laut Malondesh.
      ----------------
      ๐Ÿ”ซ Senapan Vita Berapi (VB Berapi LP06)
      • Produsen: Vita Berapi, perusahaan lokal Malondesh.
      • Desain: Bullpup, peluru 5.56×45mm NATO, kapasitas 30 peluru.
      • Kontroversi:
      o Desain dianggap aneh dan tidak profesional, bahkan menjadi bahan olok-olok publik dan media internasional.
      o Dirancang oleh Viktor Prykhodko, seorang warga Rusia yang tinggal di Malondesh, namun latar belakang teknisnya tidak jelas.
      o Tidak pernah digunakan secara resmi oleh militer Malondesh.
      ----------------
      ๐Ÿ›ก️ Tank Ringan STRIDE
      • Pengembang: STRIDE (Science and Technology Research Institute for Defence), lembaga riset militer Malondesh.
      • Tujuan: Meningkatkan kemandirian industri pertahanan nasional.
      • Kritik:
      o Minimnya transparansi dan uji coba publik membuat efektivitas tank ini diragukan.
      o Tidak ada bukti bahwa tank ini telah digunakan secara aktif oleh militer atau diekspor.
      o Dibandingkan dengan kendaraan tempur ringan dari negara lain, STRIDE dianggap belum kompetitif secara teknologi maupun biaya.
      ----------------
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
  40. Geng MALAYSIA sudah lama tahu..... ๐Ÿ”ฅ๐Ÿ”ฅ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ



    Indonesia Negara ‘Terbodoh’ ke 2 di Dunia

    https://muslimahreformis.co/indonesia-negara-terbodoh-ke-2-di-dunia/

    BalasHapus
    Balasan
    1. JUARA DUNIA FISIKA MATEMATIK
      Indonesia unggul dalam olimpiade fisika dan matematika internasional karena sistem pembinaan yang lebih terstruktur dan dukungan kompetisi nasional yang kuat, sementara Malondesh belum memiliki ekosistem pembinaan sains yang seintensif Indonesia.
      Berikut penjelasan lebih rinci berdasarkan data dan konteks:
      ๐Ÿ… Prestasi Indonesia di Olimpiade Internasional
      • Matematika (IMO 2024): Indonesia meraih 1 emas, 3 perunggu, dan 2 honorable mention di ajang International Mathematical Olympiad ke-65 di Inggris.
      • Fisika (APhO 2024): Tim Indonesia menyapu bersih medali di Asian Physics Olympiad di Malondesh: 1 emas, 1 perak, 3 perunggu, dan 3 honorable mention.
      • SIMOC 2024 (Singapura): Indonesia menjadi juara umum, mengalahkan Malondesh dan Singapura, dengan 115 medali emas dari 456 peserta.
      ๐Ÿ‡ฎ๐Ÿ‡ฉ Faktor Keberhasilan Indonesia
      • Pembinaan berjenjang: Indonesia memiliki sistem seleksi dan pembinaan berlapis dari tingkat kabupaten, provinsi, hingga nasional melalui Olimpiade Sains Nasional (OSN).
      • Pusat Prestasi Nasional (Puspresnas): Lembaga ini secara aktif membina siswa-siswa terbaik untuk ajang internasional.
      • Komunitas dan alumni aktif: Banyak alumni olimpiade yang kembali sebagai pelatih dan mentor.
      • Dukungan pemerintah dan swasta: Termasuk beasiswa, pelatihan intensif, dan fasilitas belajar.
      ============
      ============
      ๐Ÿ‡ฒ๐Ÿ‡พ Mengapa Malondesh Tertinggal?
      • Kurangnya sistem pembinaan nasional yang terstruktur: Tidak ada ajang sekelas OSN yang konsisten dan masif di seluruh negeri.
      • Fokus pada kompetisi regional: Malondesh lebih sering mengirim peserta ke olimpiade regional atau berbasis undangan, bukan kompetisi global seperti IMO atau IPhO.
      • Minimnya eksposur dan publikasi: Prestasi siswa Malondesh di bidang sains jarang dipublikasikan secara luas, sehingga tidak membentuk ekosistem kompetitif.
      • Kebijakan pendidikan yang lebih fokus pada rata-rata, bukan pada pembinaan talenta unggul.
      ----------------
      ⚓ Proyek Kapal Tempur Pesisir (LCS)
      • Nilai proyek: RM9.1 miliar untuk 6 kapal kelas Maharaja Lela.
      • Masalah: Keterlambatan ekstrem, pembengkakan anggaran, dan dugaan korupsi. Hingga 2025, belum ada kapal yang diserahkan ke Angkatan Laut Malondesh.
      ----------------
      ๐Ÿ”ซ Senapan Vita Berapi (VB Berapi LP06)
      • Produsen: Vita Berapi, perusahaan lokal Malondesh.
      • Desain: Bullpup, peluru 5.56×45mm NATO, kapasitas 30 peluru.
      • Kontroversi:
      o Desain dianggap aneh dan tidak profesional, bahkan menjadi bahan olok-olok publik dan media internasional.
      o Dirancang oleh Viktor Prykhodko, seorang warga Rusia yang tinggal di Malondesh, namun latar belakang teknisnya tidak jelas.
      o Tidak pernah digunakan secara resmi oleh militer Malondesh.
      ----------------
      ๐Ÿ›ก️ Tank Ringan STRIDE
      • Pengembang: STRIDE (Science and Technology Research Institute for Defence), lembaga riset militer Malondesh.
      • Tujuan: Meningkatkan kemandirian industri pertahanan nasional.
      • Kritik:
      o Minimnya transparansi dan uji coba publik membuat efektivitas tank ini diragukan.
      o Tidak ada bukti bahwa tank ini telah digunakan secara aktif oleh militer atau diekspor.
      o Dibandingkan dengan kendaraan tempur ringan dari negara lain, STRIDE dianggap belum kompetitif secara teknologi maupun biaya.
      ---------------
      PANTASSSS..........
      LCS = FAILURE
      VB BERAPI LP06 = FAILURE
      TANK STRIDE = FAILURE
      ---------------
      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

      Hapus
    2. JUARA DUNIA FISIKA MATEMATIK
      Indonesia unggul dalam olimpiade fisika dan matematika internasional karena sistem pembinaan yang lebih terstruktur dan dukungan kompetisi nasional yang kuat, sementara Malondesh belum memiliki ekosistem pembinaan sains yang seintensif Indonesia.
      Berikut penjelasan lebih rinci berdasarkan data dan konteks:
      ๐Ÿ… Prestasi Indonesia di Olimpiade Internasional
      • Matematika (IMO 2024): Indonesia meraih 1 emas, 3 perunggu, dan 2 honorable mention di ajang International Mathematical Olympiad ke-65 di Inggris.
      • Fisika (APhO 2024): Tim Indonesia menyapu bersih medali di Asian Physics Olympiad di Malondesh: 1 emas, 1 perak, 3 perunggu, dan 3 honorable mention.
      • SIMOC 2024 (Singapura): Indonesia menjadi juara umum, mengalahkan Malondesh dan Singapura, dengan 115 medali emas dari 456 peserta.
      ๐Ÿ‡ฎ๐Ÿ‡ฉ Faktor Keberhasilan Indonesia
      • Pembinaan berjenjang: Indonesia memiliki sistem seleksi dan pembinaan berlapis dari tingkat kabupaten, provinsi, hingga nasional melalui Olimpiade Sains Nasional (OSN).
      • Pusat Prestasi Nasional (Puspresnas): Lembaga ini secara aktif membina siswa-siswa terbaik untuk ajang internasional.
      • Komunitas dan alumni aktif: Banyak alumni olimpiade yang kembali sebagai pelatih dan mentor.
      • Dukungan pemerintah dan swasta: Termasuk beasiswa, pelatihan intensif, dan fasilitas belajar.
      ============
      ============
      ๐Ÿ‡ฒ๐Ÿ‡พ Mengapa Malondesh Tertinggal?
      • Kurangnya sistem pembinaan nasional yang terstruktur: Tidak ada ajang sekelas OSN yang konsisten dan masif di seluruh negeri.
      • Fokus pada kompetisi regional: Malondesh lebih sering mengirim peserta ke olimpiade regional atau berbasis undangan, bukan kompetisi global seperti IMO atau IPhO.
      • Minimnya eksposur dan publikasi: Prestasi siswa Malondesh di bidang sains jarang dipublikasikan secara luas, sehingga tidak membentuk ekosistem kompetitif.
      • Kebijakan pendidikan yang lebih fokus pada rata-rata, bukan pada pembinaan talenta unggul.
      ----------------
      ⚓ Proyek Kapal Tempur Pesisir (LCS)
      • Nilai proyek: RM9.1 miliar untuk 6 kapal kelas Maharaja Lela.
      • Masalah: Keterlambatan ekstrem, pembengkakan anggaran, dan dugaan korupsi. Hingga 2025, belum ada kapal yang diserahkan ke Angkatan Laut Malondesh.
      ----------------
      ๐Ÿ”ซ Senapan Vita Berapi (VB Berapi LP06)
      • Produsen: Vita Berapi, perusahaan lokal Malondesh.
      • Desain: Bullpup, peluru 5.56×45mm NATO, kapasitas 30 peluru.
      • Kontroversi:
      o Desain dianggap aneh dan tidak profesional, bahkan menjadi bahan olok-olok publik dan media internasional.
      o Dirancang oleh Viktor Prykhodko, seorang warga Rusia yang tinggal di Malondesh, namun latar belakang teknisnya tidak jelas.
      o Tidak pernah digunakan secara resmi oleh militer Malondesh.
      ----------------
      ๐Ÿ›ก️ Tank Ringan STRIDE
      • Pengembang: STRIDE (Science and Technology Research Institute for Defence), lembaga riset militer Malondesh.
      • Tujuan: Meningkatkan kemandirian industri pertahanan nasional.
      • Kritik:
      o Minimnya transparansi dan uji coba publik membuat efektivitas tank ini diragukan.
      o Tidak ada bukti bahwa tank ini telah digunakan secara aktif oleh militer atau diekspor.
      o Dibandingkan dengan kendaraan tempur ringan dari negara lain, STRIDE dianggap belum kompetitif secara teknologi maupun biaya.
      ---------------
      PANTASSSS..........
      LCS = FAILURE
      VB BERAPI LP06 = FAILURE
      TANK STRIDE = FAILURE
      ---------------
      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

      Hapus
    3. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      ๐Ÿ› ️ 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
      ๐Ÿšข 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.
      ๐Ÿ›ฉ️ 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.
      ๐Ÿช– 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

      Hapus
  41. ๐Ÿ”ฅ๐Ÿ”ฅ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ

    BODOH
    MISKIN
    PENGOTOR

    BalasHapus
    Balasan
    1. ⚓ 1. LCS (LITTORAL COMBAT SHIP) – Kegagalan Proyek Kapal Tempur
      Masalah utama:
      • Keterlambatan ekstrem: Proyek dimulai pada 2011 untuk membangun 6 kapal tempur pesisir, namun hingga 2025 belum ada satu pun yang selesai.
      • Pembengkakan biaya: Dari anggaran awal RM9 miliar, lebih dari RM6 miliar telah dibelanjakan tanpa hasil nyata.
      • Manajemen buruk: Audit mengungkapkan penyimpangan dalam kontrak, perubahan desain tanpa persetujuan, dan lemahnya pengawasan oleh Kementerian Pertahanan.
      • Dampak strategis: Kegagalan ini menghambat kemampuan Angkatan Laut Malondesh untuk menjaga wilayah maritim secara efektif.
      ๐Ÿ”ซ 2. VB BERAPI LP06 – SENAPAN SERBU YANG GAGAL TOTAL
      Latar belakang:
      • Senapan ini adalah upaya Malondesh untuk mengembangkan senjata serbu lokal dengan desain bullpup, menggunakan peluru 5.56×45mm NATO.
      • Dirancang oleh Viktor Prykhodko, seorang warga Rusia yang tinggal di Malondesh, dan diproduksi oleh Vita Berapi.
      Masalah utama:
      • Desain buruk: Senapan ini menjadi bahan olok-olok internasional karena bentuknya yang tidak ergonomis dan tampak “aneh”.
      • Tidak lolos uji militer: Tidak pernah digunakan secara resmi oleh militer Malondesh karena performa dan reliabilitas yang diragukan.
      • Kegagalan branding: Alih-alih menjadi simbol kemandirian industri pertahanan, VB Berapi LP06 justru mempermalukan reputasi Malondesh di bidang ini.
      ๐Ÿ›ก️ 3. TANK STRIDE – PROYEK TANK NASIONAL YANG MANDEK
      Catatan:
      • STRIDE (Science Technology Research Institute for Defence) adalah lembaga riset militer Malondesh.
      • Proyek tank ini bertujuan menciptakan kendaraan tempur ringan buatan lokal.
      Masalah utama:
      • Tidak pernah masuk tahap produksi massal: Prototipe sempat dipamerkan, namun tidak ada kelanjutan.
      • Kurangnya dukungan industri: Malondesh belum memiliki ekosistem manufaktur militer yang cukup matang untuk mendukung produksi kendaraan tempur berat.
      • Kegagalan strategi: Proyek ini menunjukkan kurangnya perencanaan jangka panjang dan sinergi antara riset dan kebutuhan operasional militer.
      ๐Ÿ“‰ Kesimpulan dan Implikasi
      Ketiga kasus ini mencerminkan kegagalan sistemik dalam pengadaan alutsista Malondesh, termasuk:
      • Lemahnya tata kelola proyek dan pengawasan internal.
      • Ketergantungan pada pihak luar tanpa transfer teknologi yang efektif.
      • Kurangnya integrasi antara riset, industri, dan kebutuhan militer.
      ----------------
      5x PM BUAL MRCA LCS SPH MRSS = 2025 ZONK
      6x MOD BUAL MRCA LCS SPH MRSS = 2025 ZONK
      6x MOF BUAL MRCA LCS SPH MRSS = 2025 ZONK
      SERIUS!!! BADUT BERUK = MEMBUAL SHOPPING
      -
      5x GANTI PM = 84,3% TO GDP
      5x GANTI MOF = KLAIM LUNAS 2053 = GAGAL (NAMBAH DEBT)
      SERIUS!!! BADUT BERUK = MEMBUAL KLAIM KAYA
      -
      5x GANTI PM = TIDAK BAYAR HUTANG TERTUNGGAK
      6x GANTI MOD = KEKANGAN KEWANGAN
      SERIUS!!! BADUT BERUK = MEMBUAL KLAIM KAYA
      ----------------
      MRCA 2025-2017= ZONK = NO PROCUREMENT
      5x GANTI PM
      5x GANTI MOD
      6x GANTI MOF
      -
      LCS 2025-2011 = ZONK = MANGKRAK
      5x GANTI PM
      6x GANTI MOD
      6x GANTI MOF
      -
      SPH 2025-2016 = ZONK = NO PROCUREMENT
      5x GANTI PM
      5x GANTI MOD
      6x GANTI MOF
      -
      MRSS/LPD 2025-2016 = ZONK = NO PROCUREMENT
      5x GANTI PM
      5x GANTI MOD
      6x GANTI MOF

      Hapus
    2. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      PMX =
      BAHAN BAHAN KETAWA DUNIA
      Perdana Menteri Anwar Ibrahim dikritik kerana membuat gurauan berkaitan isteri kedua dalam pertemuannya dengan Presiden Rusia Vladimir Putin dalam lawatan rasmi ke Moscow..
      Anggota Parlimen Tasek Gelugor mendakwa Putin juga sengaja memperolok Anwar dengan mendedahkan perbualan mereka.
      Wan Saiful juga berkata insiden itu menjadikan MAID OF LONDON (MALON) bahan BAHAN KETAWA DUNIA.
      ===========
      15 YEARS = BAHAN BAHAN KETAWA DUNIA
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      Defence Minister DSU Mohamad Hasan - By building five ships, each vessel will cost around RM2.2 billion to RM2.4 billion, he said adding that he has no idea the amount needed to build the other three. “If we were to build only two ships, it will cost around RM4.5 billion each, making it the world’s most expensive ship for its class and make us a laughing-stock to the world”

      Hapus
    3. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    4. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    5. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      ๐Ÿ› ️ 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
      ๐Ÿšข 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.
      ๐Ÿ›ฉ️ 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.
      ๐Ÿช– 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

      Hapus
  42. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
    NO. 1 ASIA = PORN
    NO. 2 ASIA = HOUSEHOLD DEBT
    NO. 3 ASIA = RATIO DEBT TO GDP
    NO. 4 WORLD = PORN
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ________________________________________-
    ๐Ÿ“‰ 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
    ________________________________________
    JUARA PORNO :
    In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
    ________________________________________
    PMX =
    BAHAN BAHAN KETAWA DUNIA
    Perdana Menteri Anwar Ibrahim dikritik kerana membuat gurauan berkaitan isteri kedua dalam pertemuannya dengan Presiden Rusia Vladimir Putin dalam lawatan rasmi ke Moscow..
    Anggota Parlimen Tasek Gelugor mendakwa Putin juga sengaja memperolok Anwar dengan mendedahkan perbualan mereka.
    Wan Saiful juga berkata insiden itu menjadikan MAID OF LONDON (MALON) bahan BAHAN KETAWA DUNIA.
    ===========
    15 YEARS = BAHAN BAHAN KETAWA DUNIA
    LAUGHING STOCK TO THE WORLD
    LAUGHING STOCK TO THE WORLD
    LAUGHING STOCK TO THE WORLD
    Defence Minister DSU Mohamad Hasan - By building five ships, each vessel will cost around RM2.2 billion to RM2.4 billion, he said adding that he has no idea the amount needed to build the other three. “If we were to build only two ships, it will cost around RM4.5 billion each, making it the world’s most expensive ship for its class and make us a laughing-stock to the world”

    BalasHapus
  43. NO. 1 ASIA = PORN
    NO. 2 ASIA = HOUSEHOLD DEBT
    NO. 3 ASIA = RATIO DEBT TO GDP
    NO. 4 WORLD = PORN
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ________________________________________-
    ๐Ÿ“‰ 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
    ________________________________________
    JUARA PORNO :
    In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
    ________________________________________
    ๐Ÿ› ️ 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
    ๐Ÿšข 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.
    ๐Ÿ›ฉ️ 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.
    ๐Ÿช– 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

    BalasHapus
  44. JUARA DUNIA FISIKA MATEMATIK
    Indonesia unggul dalam olimpiade fisika dan matematika internasional karena sistem pembinaan yang lebih terstruktur dan dukungan kompetisi nasional yang kuat, sementara Malondesh belum memiliki ekosistem pembinaan sains yang seintensif Indonesia.
    Berikut penjelasan lebih rinci berdasarkan data dan konteks:
    ๐Ÿ… Prestasi Indonesia di Olimpiade Internasional
    • Matematika (IMO 2024): Indonesia meraih 1 emas, 3 perunggu, dan 2 honorable mention di ajang International Mathematical Olympiad ke-65 di Inggris.
    • Fisika (APhO 2024): Tim Indonesia menyapu bersih medali di Asian Physics Olympiad di Malondesh: 1 emas, 1 perak, 3 perunggu, dan 3 honorable mention.
    • SIMOC 2024 (Singapura): Indonesia menjadi juara umum, mengalahkan Malondesh dan Singapura, dengan 115 medali emas dari 456 peserta.
    ๐Ÿ‡ฎ๐Ÿ‡ฉ Faktor Keberhasilan Indonesia
    • Pembinaan berjenjang: Indonesia memiliki sistem seleksi dan pembinaan berlapis dari tingkat kabupaten, provinsi, hingga nasional melalui Olimpiade Sains Nasional (OSN).
    • Pusat Prestasi Nasional (Puspresnas): Lembaga ini secara aktif membina siswa-siswa terbaik untuk ajang internasional.
    • Komunitas dan alumni aktif: Banyak alumni olimpiade yang kembali sebagai pelatih dan mentor.
    • Dukungan pemerintah dan swasta: Termasuk beasiswa, pelatihan intensif, dan fasilitas belajar.
    ============
    ============
    ๐Ÿ‡ฒ๐Ÿ‡พ Mengapa Malondesh Tertinggal?
    • Kurangnya sistem pembinaan nasional yang terstruktur: Tidak ada ajang sekelas OSN yang konsisten dan masif di seluruh negeri.
    • Fokus pada kompetisi regional: Malondesh lebih sering mengirim peserta ke olimpiade regional atau berbasis undangan, bukan kompetisi global seperti IMO atau IPhO.
    • Minimnya eksposur dan publikasi: Prestasi siswa Malondesh di bidang sains jarang dipublikasikan secara luas, sehingga tidak membentuk ekosistem kompetitif.
    • Kebijakan pendidikan yang lebih fokus pada rata-rata, bukan pada pembinaan talenta unggul.
    ----------------
    ⚓ Proyek Kapal Tempur Pesisir (LCS)
    • Nilai proyek: RM9.1 miliar untuk 6 kapal kelas Maharaja Lela.
    • Masalah: Keterlambatan ekstrem, pembengkakan anggaran, dan dugaan korupsi. Hingga 2025, belum ada kapal yang diserahkan ke Angkatan Laut Malondesh.
    ----------------
    ๐Ÿ”ซ Senapan Vita Berapi (VB Berapi LP06)
    • Produsen: Vita Berapi, perusahaan lokal Malondesh.
    • Desain: Bullpup, peluru 5.56×45mm NATO, kapasitas 30 peluru.
    • Kontroversi:
    o Desain dianggap aneh dan tidak profesional, bahkan menjadi bahan olok-olok publik dan media internasional.
    o Dirancang oleh Viktor Prykhodko, seorang warga Rusia yang tinggal di Malondesh, namun latar belakang teknisnya tidak jelas.
    o Tidak pernah digunakan secara resmi oleh militer Malondesh.
    ----------------
    ๐Ÿ›ก️ Tank Ringan STRIDE
    • Pengembang: STRIDE (Science and Technology Research Institute for Defence), lembaga riset militer Malondesh.
    • Tujuan: Meningkatkan kemandirian industri pertahanan nasional.
    • Kritik:
    o Minimnya transparansi dan uji coba publik membuat efektivitas tank ini diragukan.
    o Tidak ada bukti bahwa tank ini telah digunakan secara aktif oleh militer atau diekspor.
    o Dibandingkan dengan kendaraan tempur ringan dari negara lain, STRIDE dianggap belum kompetitif secara teknologi maupun biaya.
    ---------------
    PANTASSSS..........
    LCS = FAILURE
    VB BERAPI LP06 = FAILURE
    TANK STRIDE = FAILURE
    ---------------
    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

    BalasHapus
  45. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
    NO. 1 ASIA = PORN
    NO. 2 ASIA = HOUSEHOLD DEBT
    NO. 3 ASIA = RATIO DEBT TO GDP
    NO. 4 WORLD = PORN
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ________________________________________-
    ๐Ÿ“‰ 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
    ________________________________________
    JUARA PORNO :
    In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
    ________________________________________
    PMX =
    BAHAN BAHAN KETAWA DUNIA
    Perdana Menteri Anwar Ibrahim dikritik kerana membuat gurauan berkaitan isteri kedua dalam pertemuannya dengan Presiden Rusia Vladimir Putin dalam lawatan rasmi ke Moscow..
    Anggota Parlimen Tasek Gelugor mendakwa Putin juga sengaja memperolok Anwar dengan mendedahkan perbualan mereka.
    Wan Saiful juga berkata insiden itu menjadikan MAID OF LONDON (MALON) bahan BAHAN KETAWA DUNIA.
    ===========
    15 YEARS = BAHAN BAHAN KETAWA DUNIA
    LAUGHING STOCK TO THE WORLD
    LAUGHING STOCK TO THE WORLD
    LAUGHING STOCK TO THE WORLD
    Defence Minister DSU Mohamad Hasan - By building five ships, each vessel will cost around RM2.2 billion to RM2.4 billion, he said adding that he has no idea the amount needed to build the other three. “If we were to build only two ships, it will cost around RM4.5 billion each, making it the world’s most expensive ship for its class and make us a laughing-stock to the world”

    BalasHapus
  46. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
    NO. 1 ASIA = PORN
    NO. 2 ASIA = HOUSEHOLD DEBT
    NO. 3 ASIA = RATIO DEBT TO GDP
    NO. 4 WORLD = PORN
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ________________________________________-
    ๐Ÿ“‰ 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
    ________________________________________
    JUARA PORNO :
    In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
    ________________________________________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 Scorpรจne, 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.

    BalasHapus
  47. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
    NO. 1 ASIA = PORN
    NO. 2 ASIA = HOUSEHOLD DEBT
    NO. 3 ASIA = RATIO DEBT TO GDP
    NO. 4 WORLD = PORN
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ________________________________________-
    ๐Ÿ“‰ 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
    ________________________________________
    JUARA PORNO :
    In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
    ________________________________________
    PMX =
    BAHAN BAHAN KETAWA DUNIA
    Perdana Menteri Anwar Ibrahim dikritik kerana membuat gurauan berkaitan isteri kedua dalam pertemuannya dengan Presiden Rusia Vladimir Putin dalam lawatan rasmi ke Moscow..
    Anggota Parlimen Tasek Gelugor mendakwa Putin juga sengaja memperolok Anwar dengan mendedahkan perbualan mereka.
    Wan Saiful juga berkata insiden itu menjadikan MAID OF LONDON (MALON) bahan BAHAN KETAWA DUNIA.
    ===========
    15 YEARS = BAHAN BAHAN KETAWA DUNIA
    LAUGHING STOCK TO THE WORLD
    LAUGHING STOCK TO THE WORLD
    LAUGHING STOCK TO THE WORLD
    Defence Minister DSU Mohamad Hasan - By building five ships, each vessel will cost around RM2.2 billion to RM2.4 billion, he said adding that he has no idea the amount needed to build the other three. “If we were to build only two ships, it will cost around RM4.5 billion each, making it the world’s most expensive ship for its class and make us a laughing-stock to the world”

    BalasHapus
  48. Ternyata Malaysia Nyerah Perang Dagang ke Trump, Jangan Sampai RI Juga

    Baca artikel CNBC Indonesia "Ternyata Malaysia Nyerah Perang Dagang ke Trump, Jangan Sampai RI Juga" selengkapnya di sini: https://www.cnbcindonesia.com/news/20251030165754-4-680816/ternyata-malaysia-nyerah-perang-dagang-ke-trump-jangan-sampai-ri-juga

    INILAH MALONDESH DENGAN KEBODOHAN YANG HAKIKI TELAH MENYERAHKAN KEDAULATAN EKONOMINYA KEPADA US ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ

    SUDAH BODOH, TOLOL, PENIPU, MISKIN ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ

    DUNIA SUDAH LAMA TAHU KALO MALONDESH MASUK GENK LGBT ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ

    BalasHapus
    Balasan
    1. Sebelah JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.

      Hapus
  49. Geng MALAYSIA sudah lama tahu..... ๐Ÿ”ฅ๐Ÿ”ฅ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ



    Indonesia Negara ‘Terbodoh’ ke 2 di Dunia

    https://muslimahreformis.co/indonesia-negara-terbodoh-ke-2-di-dunia/

    BalasHapus
    Balasan
    1. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    2. JUARA DUNIA FISIKA MATEMATIK
      Indonesia unggul dalam olimpiade fisika dan matematika internasional karena sistem pembinaan yang lebih terstruktur dan dukungan kompetisi nasional yang kuat, sementara Malondesh belum memiliki ekosistem pembinaan sains yang seintensif Indonesia.
      Berikut penjelasan lebih rinci berdasarkan data dan konteks:
      ๐Ÿ… Prestasi Indonesia di Olimpiade Internasional
      • Matematika (IMO 2024): Indonesia meraih 1 emas, 3 perunggu, dan 2 honorable mention di ajang International Mathematical Olympiad ke-65 di Inggris.
      • Fisika (APhO 2024): Tim Indonesia menyapu bersih medali di Asian Physics Olympiad di Malondesh: 1 emas, 1 perak, 3 perunggu, dan 3 honorable mention.
      • SIMOC 2024 (Singapura): Indonesia menjadi juara umum, mengalahkan Malondesh dan Singapura, dengan 115 medali emas dari 456 peserta.
      ๐Ÿ‡ฎ๐Ÿ‡ฉ Faktor Keberhasilan Indonesia
      • Pembinaan berjenjang: Indonesia memiliki sistem seleksi dan pembinaan berlapis dari tingkat kabupaten, provinsi, hingga nasional melalui Olimpiade Sains Nasional (OSN).
      • Pusat Prestasi Nasional (Puspresnas): Lembaga ini secara aktif membina siswa-siswa terbaik untuk ajang internasional.
      • Komunitas dan alumni aktif: Banyak alumni olimpiade yang kembali sebagai pelatih dan mentor.
      • Dukungan pemerintah dan swasta: Termasuk beasiswa, pelatihan intensif, dan fasilitas belajar.
      ============
      ============
      ๐Ÿ‡ฒ๐Ÿ‡พ Mengapa Malondesh Tertinggal?
      • Kurangnya sistem pembinaan nasional yang terstruktur: Tidak ada ajang sekelas OSN yang konsisten dan masif di seluruh negeri.
      • Fokus pada kompetisi regional: Malondesh lebih sering mengirim peserta ke olimpiade regional atau berbasis undangan, bukan kompetisi global seperti IMO atau IPhO.
      • Minimnya eksposur dan publikasi: Prestasi siswa Malondesh di bidang sains jarang dipublikasikan secara luas, sehingga tidak membentuk ekosistem kompetitif.
      • Kebijakan pendidikan yang lebih fokus pada rata-rata, bukan pada pembinaan talenta unggul.
      ----------------
      ⚓ Proyek Kapal Tempur Pesisir (LCS)
      • Nilai proyek: RM9.1 miliar untuk 6 kapal kelas Maharaja Lela.
      • Masalah: Keterlambatan ekstrem, pembengkakan anggaran, dan dugaan korupsi. Hingga 2025, belum ada kapal yang diserahkan ke Angkatan Laut Malondesh.
      ----------------
      ๐Ÿ”ซ Senapan Vita Berapi (VB Berapi LP06)
      • Produsen: Vita Berapi, perusahaan lokal Malondesh.
      • Desain: Bullpup, peluru 5.56×45mm NATO, kapasitas 30 peluru.
      • Kontroversi:
      o Desain dianggap aneh dan tidak profesional, bahkan menjadi bahan olok-olok publik dan media internasional.
      o Dirancang oleh Viktor Prykhodko, seorang warga Rusia yang tinggal di Malondesh, namun latar belakang teknisnya tidak jelas.
      o Tidak pernah digunakan secara resmi oleh militer Malondesh.
      ----------------
      ๐Ÿ›ก️ Tank Ringan STRIDE
      • Pengembang: STRIDE (Science and Technology Research Institute for Defence), lembaga riset militer Malondesh.
      • Tujuan: Meningkatkan kemandirian industri pertahanan nasional.
      • Kritik:
      o Minimnya transparansi dan uji coba publik membuat efektivitas tank ini diragukan.
      o Tidak ada bukti bahwa tank ini telah digunakan secara aktif oleh militer atau diekspor.
      o Dibandingkan dengan kendaraan tempur ringan dari negara lain, STRIDE dianggap belum kompetitif secara teknologi maupun biaya.
      ---------------
      PANTASSSS..........
      LCS = FAILURE
      VB BERAPI LP06 = FAILURE
      TANK STRIDE = FAILURE
      ---------------
      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

      Hapus
    3. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      -----------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      ๐Ÿ› ️ 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
      ๐Ÿšข 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.
      ๐Ÿ›ฉ️ 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.
      ๐Ÿช– 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

      Hapus
    4. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      ๐Ÿšจ 1. LITTORAL COMBAT SHIP (LCS) SCANDAL
      ๐Ÿ’ฐ 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.
      ๐Ÿ‘ค Key Figures
      • Former Navy Chief was implicated but later discharged due to health concerns.
      • The scandal sparked public outrage and demands for transparency.
      ๐Ÿš 2. MD530G Helicopter Procurement Failure
      ๐Ÿ› ️ 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.
      ๐Ÿงพ 3. Land Swap Scandal
      ๐Ÿ—️ 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.
      ๐Ÿ•ต️ 4. RM3 Million Smuggling Conspiracy
      ๐Ÿ” 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

      Hapus
    5. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      ๐Ÿšข 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.
      ๐Ÿช– Aging Ground Assets – Maid of london (MALON) n Army
      ๐Ÿ“Š 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.
      ๐Ÿ”ง 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.
      ๐Ÿงญ 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

      Hapus
    6. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      ๐Ÿšข 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.
      ๐Ÿช– Aging Ground Assets – Maid of london (MALON) n Army
      ๐Ÿ“Š 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.
      ๐Ÿ”ง 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.
      ๐Ÿงญ 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

      Hapus
    7. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      ๐Ÿšข 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.
      ๐Ÿช– Aging Ground Assets – Maid of london (MALON) n Army
      ๐Ÿ“Š 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.
      ๐Ÿ”ง 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.
      ๐Ÿงญ 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

      Hapus
    8. BUKTI LCS OMPONG MELOMPONG ......
      LOI NSM = LCS OMPONG
      LOI NSM = LCS OMPONG
      LOI TARANTULA = GOIB
      Mindef hari ini menandatangani surat hasrat (LOI) bernilai RM1.8 bilion kepada Mildef International Technologies Sdn. Bhd. (MILDEF).
      Selain Tarantula, Mindef turut menganugerahkan LOI bernilai RM800 juta kepada Lumut Naval Shipyard (Lunas) bagi perolehan kelengkapan logistik untuk kapal tempur pesisir (LCS). Seterusnya membekal 2 set pelancar Naval Strike Missile (NSM) bernilai RM44 juta.
      ----
      BUKTI OPV GAGAL
      BUKTI OPV GAGAL
      BUKTI OPV GAGAL
      Bagaimana pun kapal kedua dan ketiga (OPV 2, OPV 3) gagal disiapkan dengan kedua-duanya telah mencapai status pembinaan sebanyak 76% dan 57%.
      Kerajaan memeterai perjanjian dengan THHE Destiny pada 2017 untuk membekalkan tiga unit OPV pada kos RM740 juta untuk APMM dan kapal peronda itu dijadual diserahkan pada 2022
      ----
      MKM = BARTER PALM OIL
      MIG29N = BARTER PALM OIL
      MAID OF LONDON (MALON) has used palm oil to barter for military equipment, including fighter jets. The MAID OF LONDON (MALON) Armed Forces (MAF) is made up of the Royal MAID OF LONDON (MALON) Navy, the Royal MAID OF LONDON (MALON) Air Force, and the MAID OF LONDON (MALON) Army.
      ----
      A400M
      PEMBAYARAN BERPERINGKAT = DEBT
      MAID OF LONDON (MALON) membeli pesawat Airbus A400M secara ansuran dan bukan secara tunai. Pembelian pesawat A400M dilakukan melalui kontrak yang melibatkan bayar berperingkat.
      ----
      FA50M BARTER PALM OIL
      On the other hand, South Korea aims to sell another 18 FA-50s to MAID OF LONDON (MALON) in the future. MAID OF LONDON (MALON) announced that at least half of the payment would be made in palm oil
      ----
      SCORPENE BARTER PALM OIL
      Under the deal, France would buy RM819 million’s (€230 million) worth of MAID OF LONDON (MALON) palm oil, RM327 million (€92 million) of other commodities, and invest RM491 million (€138 million) for training and techNOLogy transfer to local firms here.
      ----
      PT91 BARTER PALM OIL RUBBER
      Payment for the purchase includes 30 percent of direct off-set in the form of training and techNOLogy transfer and 30 percent of indirect off-set in commodities like palm oil and rubber.
      ----
      EXCLUDING AMMO = FFBNW
      EXCLUDING AMMO = FFBNW
      EXCLUDING AMMO = FFBNW
      REVISED (FINAL): RM11.2B FOR 5 SHIPS
      (final agreed-upon contract price dealing with cost overruns)
      RM 2.24 billion (2023) per unit + ToT (ceiling) [or USD948M (2023 inflation) or ~USD700M (2011 forex) or ~USD490M (2023 forex) (excluding ammo)
      Inflation adjustment roughly equivalent to USD948 million in 2023 US dollars (excluding ammo)
      -------------
      REVISED (INITIAL): RM 9.128B FOR 5 SHIPS
      (initial figures using the original contract price in dealing with cost overruns)
      RM 1.8 billion (2011) per unit + ToT (ceiling) or USD560 million per ship (excluding ammo)
      Inflation adjustment roughly equivalent to USD758 million in 2023 US dollars (excluding ammo)


      Hapus
    9. LCS 2024-2011 = 15 TAHUN OMPONG
      LCS 2024-2011 = RM 12.4 BILLION
      NO MERIAM
      NO RADAR
      NO MACHINE
      NO MISSILE
      LCS DIPAY 6 RM 12.4 BILLION NOT YET DELIVERED = The cost of the project is now RM12.4 billion. This is because Ocean Sunshine Bhd (OSB) – the government owned company set up to take over BNS will be paying the BHIC and LTAT (the previous owner of BNS) some RM1.2 billion in liabilities and DEBT.
      -----
      PERDANA MENTERI = DEFACT KILL PREGNANT WOMEN
      LCS = MANGKRAK 15 years
      LMS B1 = GUNBOAT NO MISSILE
      LMS B2 = DOWNGRADE HISAR OPV
      LEKIU = EXO B2 EXPIRED
      KASTURI = EXO B2 EXPIRED
      LAKSAMANA = GUNBOAT NO MISSILE
      KEDAH = GUNBOAT NO MISSILE
      PERDANA = GUNBOAT NO MISSILE
      HANDALAN = GUNBOAT NO MISSILE
      JERUNG = GUNBOAT NO MISSILE
      -----
      HIGH COURT =
      CRIMINAL BREACH LCS RM 21 MILLION
      CRIMINAL BREACH LCS RM 21 MILLION
      CRIMINAL BREACH LCS RM 21 MILLION
      Former Royal MAID OF LONDON (MALON) Navy (RMN) chief Tan Sri Ahmad Ramli Mohd Nor failed to quash his three counts of criminal breach of trust totalling RM21 million over the Littoral Combat Ship (LCS) project scandal.
      High Court judge Datuk Azhar Abdul Hamid made the decision today on grounds that the issue of the 80-year-old accused's mental fitness to stand trial should be investigated by the trial judge.
      The High Court also ordered the case to be remitted back to the Sessions Court before judge Suzana Hussain.
      =========
      PMX SEWA 15 YEARS
      PMX SEWA 15 YEARS
      PMX SEWA 15 YEARS
      RMAF
      RMN
      MMEA
      POLICE
      FIRE
      RESCUE DEPARTEMENT
      PM DEPARTEMENT
      PMX has defended the decision to SEWA the helicopters for the military and other government agencies – RM16.5 billion for 15 years – during the Parliament session on Thursday. Among others he said the government adopted the leasing model to reduce maintenance costs and at the same time improved the operational readiness of the fleet.
      DS Anwar Ibrahim did not address the fact that the government will be paying some RM1 billion a year for 15 years for the helicopters. He also said the helicopters selected were based on the specifications and requirements of the agencies themselves.
      He also confirmed that the Army will also be part of the leasing programme apart from RMAF,RMN, MMEA, police, Fire and Rescue Department, and the Prime Minister Department. Apart from RMAF 12 and police’s seven helicopters, he did not give the breakdown for the other services and agencies.
      =========
      MAID OF LONDON (MALON) 's combat equipment has several weaknesses, including:
      • Ageing equipment: The MAID OF LONDON (MALON) military's equipment is aging due to small procurement budgets over the past 25 years.
      • Lack of modern assets: The MAID OF LONDON (MALON) Armed Forces (MAF) lacks modern military assets, which puts them at risk from both internal and external threats.
      • Russian-made weapons: MAID OF LONDON (MALON) has been struggling to keep its Russian-made Su-30MKM ground-attack aircraft operational. The country is also wary of Russian-made weapons due to sanctions imposed on Russia after its invasion of Ukraine.
      • Local production: The MAF is reluctant to use locally produced products. Local companies have produced prototypes of pistols and rifles, but none have materialized.
      • Procurement system: The MAID OF LONDON (MALON) procurement system needs reform.
      Political interference and corruption: Political interference and corruption are undermining combat readiness
      ==============
      NGPVs > LCS > OPV > LMS= FFBNW = OMPONG MANGKRAK

      Hapus
  50. BILA SI BODOH TAK TAHU DIA BODOH DAN SELALU TERASA PANDAI..

    MAKA DISITULAH DIA AKAN BODOH SELAMANYA.....๐Ÿ”ฅ๐Ÿ”ฅ๐Ÿคฃ๐Ÿคฃ

    BalasHapus
    Balasan
    1. NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    2. BUKTI IQ RM 15...........
      LCS = FAILURE
      VB BERAPI LP06 = FAILURE
      TANK STRIDE = FAILURE
      ----------------
      ⚓ Proyek Kapal Tempur Pesisir (LCS)
      • Nilai proyek: RM9.1 miliar untuk 6 kapal kelas Maharaja Lela.
      • Masalah: Keterlambatan ekstrem, pembengkakan anggaran, dan dugaan korupsi. Hingga 2025, belum ada kapal yang diserahkan ke Angkatan Laut Malondesh.
      ----------------
      ๐Ÿ”ซ Senapan Vita Berapi (VB Berapi LP06)
      • Produsen: Vita Berapi, perusahaan lokal Malondesh.
      • Desain: Bullpup, peluru 5.56×45mm NATO, kapasitas 30 peluru.
      • Kontroversi:
      o Desain dianggap aneh dan tidak profesional, bahkan menjadi bahan olok-olok publik dan media internasional.
      o Dirancang oleh Viktor Prykhodko, seorang warga Rusia yang tinggal di Malondesh, namun latar belakang teknisnya tidak jelas.
      o Tidak pernah digunakan secara resmi oleh militer Malondesh.
      ----------------
      ๐Ÿ›ก️ Tank Ringan STRIDE
      • Pengembang: STRIDE (Science and Technology Research Institute for Defence), lembaga riset militer Malondesh.
      • Tujuan: Meningkatkan kemandirian industri pertahanan nasional.
      • Kritik:
      o Minimnya transparansi dan uji coba publik membuat efektivitas tank ini diragukan.
      o Tidak ada bukti bahwa tank ini telah digunakan secara aktif oleh militer atau diekspor.
      o Dibandingkan dengan kendaraan tempur ringan dari negara lain, STRIDE dianggap belum kompetitif secara teknologi maupun biaya.
      ----------------
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    3. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      PMX =
      BAHAN BAHAN KETAWA DUNIA
      Perdana Menteri Anwar Ibrahim dikritik kerana membuat gurauan berkaitan isteri kedua dalam pertemuannya dengan Presiden Rusia Vladimir Putin dalam lawatan rasmi ke Moscow..
      Anggota Parlimen Tasek Gelugor mendakwa Putin juga sengaja memperolok Anwar dengan mendedahkan perbualan mereka.
      Wan Saiful juga berkata insiden itu menjadikan MAID OF LONDON (MALON) bahan BAHAN KETAWA DUNIA.
      ===========
      15 YEARS = BAHAN BAHAN KETAWA DUNIA
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      LAUGHING STOCK TO THE WORLD
      Defence Minister DSU Mohamad Hasan - By building five ships, each vessel will cost around RM2.2 billion to RM2.4 billion, he said adding that he has no idea the amount needed to build the other three. “If we were to build only two ships, it will cost around RM4.5 billion each, making it the world’s most expensive ship for its class and make us a laughing-stock to the world

      Hapus
    4. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ----------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    5. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ----------------
      ๐Ÿ‡ฒ๐Ÿ‡พ 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
      ---------------
      ๐Ÿ“‰ 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
      ===========
      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.
      ===========
      JUARA PORNO : In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.

      Hapus
    6. NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
      NO. 1 ASIA = PORN
      NO. 2 ASIA = HOUSEHOLD DEBT
      NO. 3 ASIA = RATIO DEBT TO GDP
      NO. 4 WORLD = PORN
      ---------------๐Ÿ‡ฒ๐Ÿ‡พ 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
      ________________________________________-
      ๐Ÿ“‰ 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
      ________________________________________
      JUARA PORNO :
      In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.
      ________________________________________
      ๐Ÿ’ธ 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.
      ๐Ÿ•ต️‍♂️ 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.
      ๐Ÿ› ️ 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.
      ๐Ÿงญ 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.
      ๐Ÿ—ฃ️ 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.

      Hapus
  51. NO. 1 ASIA = PORN
    NO. 2 ASIA = HOUSEHOLD DEBT
    NO. 3 ASIA = RATIO DEBT TO GDP
    NO. 4 WORLD = PORN
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ---------------
    ๐Ÿ“‰ 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
    ===========
    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.
    ===========
    JUARA PORNO :
    In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.

    BalasHapus
  52. NO. 1 ASIA = PORN
    NO. 2 ASIA = HOUSEHOLD DEBT
    NO. 3 ASIA = RATIO DEBT TO GDP
    NO. 4 WORLD = PORN
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ---------------
    ๐Ÿ“‰ 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
    ===========
    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.
    ===========
    JUARA PORNO :
    In a recent survey conducted by Pornhub, Malondesh was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malondesh was ranked as the #4 country with the most visits to pornography websites.

    BalasHapus
  53. BUKTI IQ RM 15...........
    LCS = FAILURE
    VB BERAPI LP06 = FAILURE
    TANK STRIDE = FAILURE
    ----------------
    ⚓ Proyek Kapal Tempur Pesisir (LCS)
    • Nilai proyek: RM9.1 miliar untuk 6 kapal kelas Maharaja Lela.
    • Masalah: Keterlambatan ekstrem, pembengkakan anggaran, dan dugaan korupsi. Hingga 2025, belum ada kapal yang diserahkan ke Angkatan Laut Malondesh.
    ----------------
    ๐Ÿ”ซ Senapan Vita Berapi (VB Berapi LP06)
    • Produsen: Vita Berapi, perusahaan lokal Malondesh.
    • Desain: Bullpup, peluru 5.56×45mm NATO, kapasitas 30 peluru.
    • Kontroversi:
    o Desain dianggap aneh dan tidak profesional, bahkan menjadi bahan olok-olok publik dan media internasional.
    o Dirancang oleh Viktor Prykhodko, seorang warga Rusia yang tinggal di Malondesh, namun latar belakang teknisnya tidak jelas.
    o Tidak pernah digunakan secara resmi oleh militer Malondesh.
    ----------------
    ๐Ÿ›ก️ Tank Ringan STRIDE
    • Pengembang: STRIDE (Science and Technology Research Institute for Defence), lembaga riset militer Malondesh.
    • Tujuan: Meningkatkan kemandirian industri pertahanan nasional.
    • Kritik:
    o Minimnya transparansi dan uji coba publik membuat efektivitas tank ini diragukan.
    o Tidak ada bukti bahwa tank ini telah digunakan secara aktif oleh militer atau diekspor.
    o Dibandingkan dengan kendaraan tempur ringan dari negara lain, STRIDE dianggap belum kompetitif secara teknologi maupun biaya.
    ----------------
    NO. 1 ASIA = PORN
    NO. 2 ASIA = HOUSEHOLD DEBT
    NO. 3 ASIA = RATIO DEBT TO GDP
    NO. 4 WORLD = PORN
    ---------------
    ๐Ÿ‡ฒ๐Ÿ‡พ 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
    ________________________________________-
    ๐Ÿ“‰ 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
    ________________________________________
    JUARA PORNO :
    In a recent survey conducted by Pornhub, Malaysia was found to be the #1 country in Asia with the most visits to pornography websites. Globally, Malaysia was ranked as the #4 country with the most visits to pornography websites.

    BalasHapus
  54. JUARA DUNIA FISIKA MATEMATIK
    Indonesia unggul dalam olimpiade fisika dan matematika internasional karena sistem pembinaan yang lebih terstruktur dan dukungan kompetisi nasional yang kuat, sementara Malondesh belum memiliki ekosistem pembinaan sains yang seintensif Indonesia.
    Berikut penjelasan lebih rinci berdasarkan data dan konteks:
    ๐Ÿ… Prestasi Indonesia di Olimpiade Internasional
    • Matematika (IMO 2024): Indonesia meraih 1 emas, 3 perunggu, dan 2 honorable mention di ajang International Mathematical Olympiad ke-65 di Inggris.
    • Fisika (APhO 2024): Tim Indonesia menyapu bersih medali di Asian Physics Olympiad di Malondesh: 1 emas, 1 perak, 3 perunggu, dan 3 honorable mention.
    • SIMOC 2024 (Singapura): Indonesia menjadi juara umum, mengalahkan Malondesh dan Singapura, dengan 115 medali emas dari 456 peserta.
    ๐Ÿ‡ฎ๐Ÿ‡ฉ Faktor Keberhasilan Indonesia
    • Pembinaan berjenjang: Indonesia memiliki sistem seleksi dan pembinaan berlapis dari tingkat kabupaten, provinsi, hingga nasional melalui Olimpiade Sains Nasional (OSN).
    • Pusat Prestasi Nasional (Puspresnas): Lembaga ini secara aktif membina siswa-siswa terbaik untuk ajang internasional.
    • Komunitas dan alumni aktif: Banyak alumni olimpiade yang kembali sebagai pelatih dan mentor.
    • Dukungan pemerintah dan swasta: Termasuk beasiswa, pelatihan intensif, dan fasilitas belajar.
    ============
    ============
    ๐Ÿ‡ฒ๐Ÿ‡พ Mengapa Malondesh Tertinggal?
    • Kurangnya sistem pembinaan nasional yang terstruktur: Tidak ada ajang sekelas OSN yang konsisten dan masif di seluruh negeri.
    • Fokus pada kompetisi regional: Malondesh lebih sering mengirim peserta ke olimpiade regional atau berbasis undangan, bukan kompetisi global seperti IMO atau IPhO.
    • Minimnya eksposur dan publikasi: Prestasi siswa Malondesh di bidang sains jarang dipublikasikan secara luas, sehingga tidak membentuk ekosistem kompetitif.
    • Kebijakan pendidikan yang lebih fokus pada rata-rata, bukan pada pembinaan talenta unggul.
    ----------------
    ⚓ Proyek Kapal Tempur Pesisir (LCS)
    • Nilai proyek: RM9.1 miliar untuk 6 kapal kelas Maharaja Lela.
    • Masalah: Keterlambatan ekstrem, pembengkakan anggaran, dan dugaan korupsi. Hingga 2025, belum ada kapal yang diserahkan ke Angkatan Laut Malondesh.
    ----------------
    ๐Ÿ”ซ Senapan Vita Berapi (VB Berapi LP06)
    • Produsen: Vita Berapi, perusahaan lokal Malondesh.
    • Desain: Bullpup, peluru 5.56×45mm NATO, kapasitas 30 peluru.
    • Kontroversi:
    o Desain dianggap aneh dan tidak profesional, bahkan menjadi bahan olok-olok publik dan media internasional.
    o Dirancang oleh Viktor Prykhodko, seorang warga Rusia yang tinggal di Malondesh, namun latar belakang teknisnya tidak jelas.
    o Tidak pernah digunakan secara resmi oleh militer Malondesh.
    ----------------
    ๐Ÿ›ก️ Tank Ringan STRIDE
    • Pengembang: STRIDE (Science and Technology Research Institute for Defence), lembaga riset militer Malondesh.
    • Tujuan: Meningkatkan kemandirian industri pertahanan nasional.
    • Kritik:
    o Minimnya transparansi dan uji coba publik membuat efektivitas tank ini diragukan.
    o Tidak ada bukti bahwa tank ini telah digunakan secara aktif oleh militer atau diekspor.
    o Dibandingkan dengan kendaraan tempur ringan dari negara lain, STRIDE dianggap belum kompetitif secara teknologi maupun biaya.
    ---------------
    PANTASSSS..........
    LCS = FAILURE
    VB BERAPI LP06 = FAILURE
    TANK STRIDE = FAILURE
    ---------------
    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

    BalasHapus
  55. LCS 2024-2011 = 15 TAHUN OMPONG
    LCS 2024-2011 = RM 12.4 BILLION
    NO MERIAM
    NO RADAR
    NO MACHINE
    NO MISSILE
    LCS DIPAY 6 RM 12.4 BILLION NOT YET DELIVERED = The cost of the project is now RM12.4 billion. This is because Ocean Sunshine Bhd (OSB) – the government owned company set up to take over BNS will be paying the BHIC and LTAT (the previous owner of BNS) some RM1.2 billion in liabilities and DEBT.
    -----
    PERDANA MENTERI = DEFACT KILL PREGNANT WOMEN
    LCS = MANGKRAK 15 years
    LMS B1 = GUNBOAT NO MISSILE
    LMS B2 = DOWNGRADE HISAR OPV
    LEKIU = EXO B2 EXPIRED
    KASTURI = EXO B2 EXPIRED
    LAKSAMANA = GUNBOAT NO MISSILE
    KEDAH = GUNBOAT NO MISSILE
    PERDANA = GUNBOAT NO MISSILE
    HANDALAN = GUNBOAT NO MISSILE
    JERUNG = GUNBOAT NO MISSILE
    -----
    HIGH COURT =
    CRIMINAL BREACH LCS RM 21 MILLION
    CRIMINAL BREACH LCS RM 21 MILLION
    CRIMINAL BREACH LCS RM 21 MILLION
    Former Royal MAID OF LONDON (MALON) Navy (RMN) chief Tan Sri Ahmad Ramli Mohd Nor failed to quash his three counts of criminal breach of trust totalling RM21 million over the Littoral Combat Ship (LCS) project scandal.
    High Court judge Datuk Azhar Abdul Hamid made the decision today on grounds that the issue of the 80-year-old accused's mental fitness to stand trial should be investigated by the trial judge.
    The High Court also ordered the case to be remitted back to the Sessions Court before judge Suzana Hussain.
    =========
    PMX SEWA 15 YEARS
    PMX SEWA 15 YEARS
    PMX SEWA 15 YEARS
    RMAF
    RMN
    MMEA
    POLICE
    FIRE
    RESCUE DEPARTEMENT
    PM DEPARTEMENT
    PMX has defended the decision to SEWA the helicopters for the military and other government agencies – RM16.5 billion for 15 years – during the Parliament session on Thursday. Among others he said the government adopted the leasing model to reduce maintenance costs and at the same time improved the operational readiness of the fleet.
    DS Anwar Ibrahim did not address the fact that the government will be paying some RM1 billion a year for 15 years for the helicopters. He also said the helicopters selected were based on the specifications and requirements of the agencies themselves.
    He also confirmed that the Army will also be part of the leasing programme apart from RMAF,RMN, MMEA, police, Fire and Rescue Department, and the Prime Minister Department. Apart from RMAF 12 and police’s seven helicopters, he did not give the breakdown for the other services and agencies.
    =========
    MAID OF LONDON (MALON) 's combat equipment has several weaknesses, including:
    • Ageing equipment: The MAID OF LONDON (MALON) military's equipment is aging due to small procurement budgets over the past 25 years.
    • Lack of modern assets: The MAID OF LONDON (MALON) Armed Forces (MAF) lacks modern military assets, which puts them at risk from both internal and external threats.
    • Russian-made weapons: MAID OF LONDON (MALON) has been struggling to keep its Russian-made Su-30MKM ground-attack aircraft operational. The country is also wary of Russian-made weapons due to sanctions imposed on Russia after its invasion of Ukraine.
    • Local production: The MAF is reluctant to use locally produced products. Local companies have produced prototypes of pistols and rifles, but none have materialized.
    • Procurement system: The MAID OF LONDON (MALON) procurement system needs reform.
    Political interference and corruption: Political interference and corruption are undermining combat readiness
    ==============
    NGPVs > LCS > OPV > LMS= FFBNW = OMPONG MANGKRAK

    BalasHapus
  56. PUNYA PMX EX PENJARA 2X KASUS SODOMI CUMA DI MALONDESH....MAKANYA KONDOM MARAK DAN JADI ICON MALONDESH ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ

    SUDAH BODOH, TOLOL, PENIPU, OTAK MESUM DAN AHLI LGBT AKA HOMO .....MINGGIR LO ๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚

    BalasHapus
  57. PUNYA PMX EX PENJARA 2X KASUS SODOMI CUMA DI MALONDESH....MAKANYA KONDOM MARAK DAN JADI ICON MALONDESH ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ๐Ÿคฃ

    SUDAH BODOH, TOLOL, PENIPU, OTAK MESUM DAN AHLI LGBT AKA HOMO .....MINGGIR LO ๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚

    BalasHapus