21 November 2025
Kepala Staf Angkatan Laut (Kasal), Laksamana TNI Dr. Muhammad Ali melakukan kunjungan resmi ke fasilitas industri pertahanan terkemuka di jerman diantaranya Rheinmetall dan Euroatlas GmbH sebagai bagian dari agenda diplomasi Angkatan Laut dalam rangka capacity building. Selasa-Rabu (18-19/11/2025) waktu setempat.
Kunjungan ini berlangsung selama rangkaian lawatan kerja delegasi TNI AL di Jerman, pada kesempatan tersebut, Kasal disambut langsung oleh jajaran direksi kedua Perusahaan beserta mitra kerjanya serta mendapatkan penjelasan mengenai perkembangan kemampuan produksi Alat dan Peralatan Pertahanan Keamanan (Alpalhankam) serta potensi kerja sama penguatan kapasitas. Kasal juga menyempatkan untuk meninjau hasil produksi, teknologi terkini, serta integrasi sistem dalam menjawab tantangan keamanan maritim yang dibutuhkan untuk keberhasilan tugas TNI AL di masa mendatang.
Pada kunjungan kerja kali ini, Kasal menyaksikan kemampuan Submarine Control Simulation dan Submarine Command Team Training untuk melatih pengawak kapal selam dalam berbagai skenario pelayaran dan pertempuran bawah air, Action Speed Tactical Trainer guna melatih perwira peperangan, inovasi simulator dalam melatih penguasaan konsep operasi penggunaan Autonomous Underwater Vehicle (AUV) di Navy Demo Room serta demo meriam Seasnake 30mm.
Kasal juga menyaksikan demo laut AUV “Greyshark” yang merupakan kendaraan bawah air otonom pabrikan Jerman. AUV dirancang untuk berbagai misi bawah air termasuk Intelligence Surveillance Reconnaissance (ISR), Mine Countermeasure (MCM), Critical Underwater Infrastructure (CUI) monitoring, dan peperangan anti kapal dengan fitur Artificial Intelligence dan endurance hingga 16 minggu.
(TNI AL)
Mantap
BalasHapusdr jepang ke jerman,
BalasHapusjd ambil yg mana nich, netijen pnasaran haha!😉🤭😉
di jerman skalian tengok kapal BHO105 yaa...tambah lagi haha!👍🤗👍
BalasHapusKSOT versi Jerman..🤤
BalasHapusBau bau shoping Greyshark buat BHO 105...😁🤟
BalasHapusnyoihh skalian bungkus semua meriam ama auv sepaket bho105 ya om pedang haha!🤗🤗🤗
Hapussemua pejabat kita sibuk hunting aset baruw haha!🤗🤑🤗
BalasHapusmenhan kita sibuk ke jepang
ksal ke jerman
ksau ke dubai
menhan dan pejabat negri🎰kasino genting tiarap..jimat kos N⛔️ SHOPPING haha!🤣🤥🤣
rongsok hornet kuwait stall..GOING GOING...Kaburrr haha!😄😄😄
PALING JUGA INTINYA DRONE SUB MARINE BUATAN ISRAEL , BUKAN HSL LAIN , KSOT²AN LAH , ISRAEL !
BalasHapusBuatan Israel yg mana? Barang yg di artikel kayaknya bukan bagian kompetensi mereka.
HapusBuruan dibungkus Pak KSAL....
BalasHapusFIFA+POLICE 5 COUNTRY =
BalasHapusPersekutuan Bola Sepak Antarabangsa (FIFA) menggesa persatuan bola sepak negara asal pemain yang terlibat dalam isu dokumentasi pemain warisan Malaysia, termasuk dari Argentina, Brazil, Sepanyol dan Belanda, supaya membuat laporan polis =
1. FIFA menggesa persatuan bola sepak negara asal pemain yang terlibat dalam pemalsuan dokumen pemain warisan Malaysia membuat laporan polis, termasuk dari Argentina, Brazil, Sepanyol, dan Belanda.
2. Tindakan undang-undang diperlukan terhadap individu yang terlibat pemalsuan sijil kelahiran tujuh pemain tersebut, yang melibatkan rekod rasmi empat negara dan dianggap sebagai kesalahan serius oleh FIFA.
3. FIFA menegaskan pemalsuan dokumen tersebut bukan hanya melanggar peraturan bola sepak, tetapi juga merupakan jenayah pemalsuan dokumen kerajaan luar negara; badan induk itu akan pertimbangkan langkah tambahan jika tiada tindakan undang-undang diambil oleh negara asal.
LANGSUNG VIRAL! FIFA & 13 NEGARA MENGECAP MALONDESH NEGARA MAFIA PENIPU • MALONDESH MALU 7 TURUNAN 😂😂😂😂😂😂
BalasHapushttps://youtu.be/GHrVIXfxZpE
BEST SCANDAL OF THE YEAR
😂😂😂😂😂😂😂😂😂😂😂😂
TERKETAWA melihat NEGARA MISKIN....HAHAHAHAH
BalasHapusIndonesia Peringkat ke-18 Negara dengan Utang Terbanyak di Dunia
https://www.detik.com/kalimantan/berita/d-8182664/indonesia-peringkat-ke-18-negara-dengan-utang-terbanyak-di-dunia
TUMBANG = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusTUMBANG = NO. 1 ASIA = PORN
TUMBANG = NO. 2 ASIA = HOUSEHOLD DEBT
TUMBANG = NO. 3 ASIA = RATIO DEBT TO GDP
TUMBANG = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
🚨 1. LITTORAL COMBAT SHIP (LCS) SCANDAL
💰 What Happened
• Maid of london (MALON) government allocated RM9 billion for six Littoral Combat Ships.
• Despite billions spent, no ships were delivered as of 2025.
• The Public Accounts Committee (PAC) revealed cost overruns, mismanagement, and non-compliance with procurement procedures.
👤 Key Figures
• Former Navy Chief was implicated but later discharged due to health concerns.
• The scandal sparked public outrage and demands for transparency.
🚁 2. MD530G Helicopter Procurement Failure
🛠️ The Issue
• Maid of london (MALON) paid 35% upfront for six McDonnell Douglas MD530G helicopters in 2015.
• None were delivered by the promised 2018 deadline.
• The deal, worth RM300 million, became a symbol of failed oversight.
🧾 3. Land Swap Scandal
🏗️ What Went Wrong
• Military land near urban centers was swapped for remote land to build camps.
• Many of these swaps were poorly executed, resulting in RM500 million in losses.
• Defense Minister Mohamad Sabu criticized the deals as wasteful and corrupt.
🕵️ 4. RM3 Million Smuggling Conspiracy
🔍 Operation Sohor (2025)
• Maid of london (MALON) n Anti-Corruption Commission (MACC) arrested 10 individuals, including 3 active military officers and 2 ex-intelligence personnel.
• They allegedly leaked operational intelligence to smugglers for RM30,000–RM50,000 per trip.
• The syndicate moved contraband worth RM5 million monthly, compromising border security
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
----------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
THE PROBLEMS
The Maid of london (MALON) n Armed Forces (MAF), which comprises the Maid of london (MALON) n Army, Royal Maid of london (MALON) n Navy (RMN), and Royal Maid of london (MALON) n Air Force (RMAF), face several challenges that affect operational readiness, modernization, and regional security capabilities. Here are the key problems:
________________________________________
1. Budget Constraints
• Limited defense budget hampers acquisition of modern equipment and maintenance of existing assets.
• Modernization programs (e.g., aircraft, naval vessels) are often delayed or downsized.
• Inconsistent funding affects long-term planning and procurement.
________________________________________
2. Aging Equipment
• Much of the military’s hardware is outdated, particularly in the air force and navy.
• Delays in replacing old platforms such as the MiG-29s (RMAF) and aging naval ships.
• Maintenance costs for legacy systems are rising, impacting readiness.
________________________________________
3. Human Resource Challenges
• Difficulty in recruiting and retaining skilled personnel, especially in technical roles.
• Issues related to morale, career progression, and incentives.
• Need for improved training and professional development to meet modern warfare demands.
________________________________________
4. Logistical and Maintenance Issues
• Dependence on foreign parts and contractors delays repairs and maintenance.
• Lack of integrated logistics systems affects operational efficiency.
• Inadequate infrastructure in certain bases and forward operating areas.
________________________________________
5. Lack of Jointness and Interoperability
• Limited joint operations capability among the army, navy, and air force.
• Need for better interoperability, especially in multi-domain operations (cyber, electronic warfare).
• Coordination issues between MAF and civilian agencies in security operations.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
-----------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
UNREADY ARMED FORCES
The idea that the Maid of london (MALON) n Armed Forces (MAF) are “unready” is a serious claim that depends heavily on context — such as readiness for what kind of conflict, under what conditions, and compared to which other countries. However, there have been recurring concerns expressed by analysts, defense observers, and even Maid of london (MALON) n officials about issues affecting MAF readiness. Below are some of the reasons often cited:
________________________________________
🔧 1. Aging Equipment and Delayed Procurement
• Old platforms: Many of Maid of london (MALON) 's military assets, especially in the Royal Maid of london (MALON) n Air Force and Navy, are aging.
o E.g., MiG-29s (retired), ageing CN-235s, and some old patrol vessels.
• Procurement delays: High-profile delays like the Littoral Combat Ship (LCS) scandal have raised alarm.
o The LCS program suffered billions of ringgit in cost overruns and years of delay.
o It was described as a “national embarrassment” and affected naval readiness.
________________________________________
💰 2. Limited Defense Budget
• Maid of london (MALON) ’s defense budget is comparatively small (around 1.0–1.1% of GDP), below the ASEAN average.
• Budget constraints limit:
o Modernization efforts
o Maintenance of existing systems
o Training and readiness operations
________________________________________
🤝 3. Peacetime Posture and Non-Alignment
• Maid of london (MALON) practices a non-aligned foreign policy, relying on diplomacy and regional cooperation (ASEAN) to manage threats.
• This leads to a modest force structure, suitable for internal security and peacetime patrols, but not high-intensity war.
• Less emphasis is placed on full-spectrum warfare or expeditionary capability.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
-----------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
UNREADY ARMED FORCES
The idea that the Maid of london (MALON) n Armed Forces (MAF) are “unready” is a serious claim that depends heavily on context — such as readiness for what kind of conflict, under what conditions, and compared to which other countries. However, there have been recurring concerns expressed by analysts, defense observers, and even Maid of london (MALON) n officials about issues affecting MAF readiness. Below are some of the reasons often cited:
________________________________________
🔧 1. Aging Equipment and Delayed Procurement
• Old platforms: Many of Maid of london (MALON) 's military assets, especially in the Royal Maid of london (MALON) n Air Force and Navy, are aging.
o E.g., MiG-29s (retired), ageing CN-235s, and some old patrol vessels.
• Procurement delays: High-profile delays like the Littoral Combat Ship (LCS) scandal have raised alarm.
o The LCS program suffered billions of ringgit in cost overruns and years of delay.
o It was described as a “national embarrassment” and affected naval readiness.
________________________________________
💰 2. Limited Defense Budget
• Maid of london (MALON) ’s defense budget is comparatively small (around 1.0–1.1% of GDP), below the ASEAN average.
• Budget constraints limit:
o Modernization efforts
o Maintenance of existing systems
o Training and readiness operations
________________________________________
🤝 3. Peacetime Posture and Non-Alignment
• Maid of london (MALON) practices a non-aligned foreign policy, relying on diplomacy and regional cooperation (ASEAN) to manage threats.
• This leads to a modest force structure, suitable for internal security and peacetime patrols, but not high-intensity war.
• Less emphasis is placed on full-spectrum warfare or expeditionary capability.
HAHAHAHAHHAH.........KASTA PENGUTANG ya guys...Aset pertahanan saja 99.9 persen HASIL NGUTANG LENDER........HAHAHAHAH
BalasHapus20 Negara dengan Utang Terbesar di Dunia, Ada Indonesia
https://www.cnbcindonesia.com/research/20251114113812-128-685223/20-negara-dengan-utang-terbesar-di-dunia-ada-indonesia
TUMBANG = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusTUMBANG = NO. 1 ASIA = PORN
TUMBANG = NO. 2 ASIA = HOUSEHOLD DEBT
TUMBANG = NO. 3 ASIA = RATIO DEBT TO GDP
TUMBANG = NO. 4 WORLD = PORN
-----------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
🛠️ WHAT “OUTDATED” REALLY MEANS
Outdated systems refer to:
• Sensors that lack modern tracking, targeting, and surveillance capabilities
• Weapons with limited range, accuracy, and compatibility with newer platforms
• Command-and-control systems that cannot integrate with digital battlefield networks
🚢 Royal Maid of london (MALON) n Navy (RMN)
• 28 ships are over 40 years old, including Fast Attack Craft and patrol vessels.
• Many vessels still use analog radar systems, manual fire-control systems, and obsolete sonar.
• These systems struggle to detect modern threats like stealth submarines or drones.
• Maintenance costs are skyrocketing, and spare parts are often unavailable or discontinued.
🛩️ Royal Maid of london (MALON) n Air Force (RMAF)
• Older aircraft like the MiG-29N (retired) and F/A-18D Hornets still rely on legacy avionics.
• Limited electronic warfare capabilities and outdated targeting pods reduce effectiveness in modern air combat.
• Poor interoperability with newer aircraft and NATO-standard systems.
🪖 Maid of london (MALON) n Army
• Ground vehicles, including legacy APCs and tanks, use basic optical sights and manual targeting systems.
• Many artillery units lack GPS-guided fire control, making precision strikes difficult.
• Communication systems are often analog or semi-digital, limiting coordination in joint operations.
⚠️ Consequences of Technological Lag
• Reduced combat effectiveness in high-tech warfare environments
• Increased vulnerability to cyber attacks and electronic jamming
• Limited participation in multinational exercises and peacekeeping missions
• Higher risk to personnel due to unreliable systems, as seen in the 2025 commando tragedy linked to aging gear
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
WEAK
WEAK
WEAK
Here are some possible reasons behind the perception of MAF being weaker compared to others:
________________________________________
1. Limited Defense Budget
• Maid of london (MALON) ’s defense spending is modest compared to regional players.
• Budget constraints limit acquisition of modern hardware, long-range capabilities, and extensive R&D.
2. Aging Equipment
• Some branches (like the Royal Maid of london (MALON) n Air Force and Navy) still rely on older platforms like MiG-29s (retired) or Lekiu-class frigates.
• Modernization programs (e.g., LCS ships, MRCA jets) have faced delays or cancellations.
3. Small Force Size
• Manpower and hardware numbers are significantly smaller than countries like Indonesia or Vietnam.
• The country maintains a modest-sized professional military rather than a large conscripted one.
4. Strategic Doctrine
• Maid of london (MALON) follows a non-aggressive, defensive doctrine, focused on sovereignty, peacekeeping, and regional cooperation.
• The country emphasizes diplomacy and ASEAN frameworks over military projection.
5. Procurement & Project Delays
• High-profile projects like the Littoral Combat Ship (LCS) program have suffered from delays and mismanagement, hurting public confidence in the military.
6. Limited Combat Experience
• The MAF has not been involved in major wars since the communist insurgency and the Confrontation with Indonesia.
• This is a good thing for national peace, but it may affect perceptions of readiness.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
WEAKNESSES OF THE FA-50 LIGHT COMBAT AIRCRAFT
________________________________________
1. Limited Radar and Sensor Capabilities
• Older variants of the FA-50 lack an Active Electronically Scanned Array (AESA) radar, which is standard in most modern fighters.
• Earlier models use mechanically scanned radars (like EL/M-2032), which are less capable in tracking multiple targets and operating in electronic warfare environments.
Note: Newer versions (e.g., FA-50 Block 20 or Golden Eagle variants) are being upgraded with AESA radar, but these are still being rolled out.
________________________________________
2. No Internal Gun on Some Versions
• Some configurations of the FA-50 (particularly early export models) lack an internal 20mm cannon, reducing close-in combat and strafing capabilities.
________________________________________
3. Limited Weapon Payload
• Payload capacity is about 4,500 kg, significantly less than fighters like the F-16 (which carries around 7,700+ kg).
• This limits the number and types of weapons it can carry, especially for extended strike missions.
________________________________________
4. No Afterburning Supercruise
• The FA-50 uses the F404-GE-102 engine, which is powerful but doesn't allow for supercruise (sustained supersonic flight without afterburners).
• Top speed is around Mach 1.5, which is sufficient for its class but not competitive with high-end fighters like the Rafale or F-35.
________________________________________
5. No Stealth Features
• Unlike 5th-generation aircraft (e.g., F-35 or J-20), the FA-50 has no stealth shaping or radar-absorbing materials.
• This makes it vulnerable to modern air defense systems and radar-guided threats.
________________________________________
6. Basic Electronic Warfare (EW) Suite
• Its EW suite is relatively basic, especially in earlier versions.
• Lacks advanced self-protection jammers or towed decoys, making it less survivable in contested airspace.
GORILLA PASTI BANGGA...1 lagi PENCAPAIAN yang LUAR BIASA RANKING ke 18 NEGARA DENGAN HUTANG TERBANYAK DIDUNIA.........HAHAHAHAH
BalasHapusIndonesia Peringkat ke-18 Negara dengan Utang Terbanyak di Dunia. Dikutip detikEdu dari laporan World Population Review, Indonesia berada di peringkat ke-18 dunia. Indonesia memiliki utang nasional 2024 mencapai USD 543 Miliar, utang terhadap PDB 2025 mencapai 28,41 % dan utang per kapita mencapai USD 1.501
TUMBANG = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusTUMBANG = NO. 1 ASIA = PORN
TUMBANG = NO. 2 ASIA = HOUSEHOLD DEBT
TUMBANG = NO. 3 ASIA = RATIO DEBT TO GDP
TUMBANG = NO. 4 WORLD = PORN
---------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
💸 1. POTENTIALLY HIGHER LONG-TERM COSTS
• Critics argue that leasing may cost more than outright purchase over time.
• For example, Poland purchased 32 AW149 helicopters for USUSD1.83 billion, while Maid of london (MALON) is leasing 28 helicopters for RM16.5 billion (~USUSD3.5 billion) over 15 years.
• Leasing includes bundled services (maintenance, training, insurance), but the total cost may exceed the value of the helicopters themselves.
🕵️♂️ 2. Transparency & Procurement Concerns
• The deal was signed with Weststar Aviation, a private firm owned by a prominent businessman, raising questions about middlemen and lobbying.
• Past scandals in Maid of london (MALON) defense procurement—like the LCS and MD530G helicopter failures—have made the public wary of opaque contracts and lack of competitive bidding.
🛠️ 3. Limited Sovereignty Over Assets
• Leased helicopters are not fully owned until the end of the contract, which may limit:
o Upgrades or modifications
o Deployment flexibility
o Integration with other military systems
• This could hinder Maid of london (MALON) ability to adapt the fleet to evolving threats or mission needs.
🧭 4. Missed Opportunity for Local Industry Growth
• Purchasing helicopters could have supported local assembly, maintenance, and technology transfer, boosting Maid of london (MALON) defense industry.
• Leasing centralizes operations under a private provider, reducing opportunities for domestic capability development.
⚠️ 5. Risk of Contractual Disputes or Service Interruptions
• If the leasing company fails to meet service-level agreements (e.g., 85% fleet availability), Maid of london (MALON) may face operational gaps.
• Legal or financial disputes could delay missions or compromise national security.
🗣️ Public & Political Backlash
• Opposition leaders and defense experts have called the deal overpriced and strategically flawed, urging a review of procurement practices.
• The Prime Minister defended the lease as a way to avoid maintenance burdens, but critics say it reflects short-term budgeting over long-term planning.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
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.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
WEAKNESS MAID OF LONDON (MALON) PROCUREMENT
Procurement weaknesses in the Maid of london (MALON) n Armed Forces (MAF) have been highlighted over the years in various government audits, media investigations, and academic studies. These weaknesses often stem from a combination of systemic, structural, and operational issues.
Key Weaknesses in MAF Procuremen
9. Lack of Transparency
Many defense procurements are classified under national security, limiting public scrutiny.
Closed or restricted tenders are common, reducing competition and increasing the risk of corruption or favoritism.
10. Corruption and Mismanagement
Allegations and cases involving high-level corruption in defense procurement (e.g., the Scorpène submarine scandal).
Inflated costs and questionable deals without proper due diligence or cost-benefit analysis.
11. Political Interference
Procurement decisions sometimes reflect political priorities rather than military needs.
Projects awarded to politically connected companies, regardless of capability.
12. Lack of Strategic Planning
Procurement not always aligned with long-term defense strategy or operational requirements.
Reactive rather than proactive planning, leading to mismatched or obsolete equipment.
13. Poor Maintenance and Lifecycle Management
Insufficient budgeting and planning for maintenance, upgrades, and training.
Resulting in equipment quickly becoming non-operational or under-utilized.
14. Weak Oversight and Accountability
Limited oversight by Parliament or independent bodies on defense spending.
Auditor-General’s reports have highlighted irregularities, but follow-up actions are often limited.
15. Limited Local Industry Capability
Over-reliance on foreign suppliers due to underdeveloped domestic defense manufacturing.
Local offset programs sometimes fail to deliver real capability or transfer of technology.
16. Fragmented Procurement Process
Involvement of multiple agencies (Ministry of Defence, armed services, contractors), leading to inefficiencies and lack of coordination
HEBAT INDIANESIA...............
BalasHapusRANKING KE18 dengan HUTANG TERBESAR DIDUNIA......HAHAHAHAH
TUMBANG = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusTUMBANG = NO. 1 ASIA = PORN
TUMBANG = NO. 2 ASIA = HOUSEHOLD DEBT
TUMBANG = NO. 3 ASIA = RATIO DEBT TO GDP
TUMBANG = NO. 4 WORLD = PORN
----------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
---------------
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
---------------
DATA STATISTA 2029-2020 : DEBT PAY DEBT
DATA STATISTA 2029-2020 : OVERLIMIT DEBT
2029 = 69,54% DEBT RATIO TO GDP
2028 = 69,34% DEBT RATIO TO GDP
2027 = 68,8% DEBT RATIO TO GDP
2026 = 68,17% DEBT RATIO TO GDP
2025 = 68,07% DEBT RATIO TO GDP
2024 = 68,38% DEBT RATIO TO GDP
2023 = 69,76% DEBT RATIO TO GDP
2022 = 65,5% DEBT RATIO TO GDP
2021 = 69,16% DEBT RATIO TO GDP
2020 = 67,69% DEBT RATIO TO GDP
==========
DEBT 2024 = RM 1.63 TRILLION
DEBT 2023 = RM 1,53 TRILLION
DEBT 2022 = RM 1,45 TRILLION
DEBT 2021 = RM 1,38 TRILLION
DEBT 2020 = RM 1,32 TRILLION
DEBT 2019 = RM 1,25 TRILLION
DEBT 2018 = RM 1,19 TRILLION
The Finance Ministry stated that the aggregate national household DEBT stood at RM1.53 trillion between 2018 and 2023. In aggregate, it said the household DEBT for 2022 was RM1.45 trillion, followed by RM1.38 trillion (2021,) RM1.32 trillion (2020), RM1.25 trillion (2019) and RM1.19 trillion (2018). “The ratio of household DEBT to gross domestic product (GDP) at the end of 2023 also slightly increased to 84.3% compared with 82% in 2018,” it said.
==========
BNM = HOUSEHOLD DEBT IS ONE OF THE HIGHEST IN THE ASEAN ......
MAID OF LONDON (MALON) household DEBT is one of the highest in the ASEAN region. Against this backdrop, Bank Negara MAID OF LONDON (MALON) (BNM) safeguards financial stability by monitoring and regulating the lending activity of all financial institutions in MAID OF LONDON (MALON
===========
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.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
WEAKNESS MAID OF LONDON (MALON) AIR FORCES
Maid of london (MALON) 's air force, officially known as the Royal Maid of london (MALON) n Air Force (RMAF), has several strengths but also faces a number of key weaknesses and challenges. These are based on public defense analyses, expert commentary, and open-source information as of recent years.
Key Weaknesses of the Royal Maid of london (MALON) n Air Force (RMAF):
------------
1. Aging Aircraft Fleet
• MiG-29s: These have been retired due to high maintenance costs and limited effectiveness.
• F/A-18D Hornets: Still operational but aging.
• SU-30MKMs: Require significant maintenance, and some have faced operational readiness issues due to lack of spare parts and support.
------------
2. Limited Fleet Size
• Maid of london (MALON) operates a relatively small number of combat aircraft, limiting its ability to project power or maintain a credible deterrent in the region.
• The country lacks strategic airlift capacity, making it harder to respond quickly to crises.
------------
3. Modernization Delays
• RMAF modernization programs have suffered from delays and budget constraints.
• The Multirole Combat Aircraft (MRCA) replacement program has been postponed multiple times, leaving capability gaps.
------------
4. Logistical and Maintenance Challenges
• Heavy reliance on foreign suppliers (Russia, U.S., and Europe) creates issues with interoperability and spare parts availability.
• Maintenance costs and delays impact aircraft readiness and mission capability.
------------
5. Limited Indigenous Defense Industry
• Maid of london (MALON) has limited local aerospace manufacturing or support capability.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
WEAKNESS ARMORED ASSETS
The Maid of london (MALON) n Armed Forces (MAF), while possessing a range of armored assets, face several challenges and limitations in their tank and armored warfare capabilities. These weaknesses can be categorized into strategic, operational, and technical areas:
________________________________________
1. Limited Number of Main Battle Tanks (MBTs)
• Inventory: Maid of london (MALON) operates around 48 PT-91M Pendekar tanks, which are modernized Polish versions of the Soviet T-72.
• Weakness: This number is small by regional standards, limiting Maid of london (MALON) ’s ability to deploy heavy armor across multiple fronts or sustain prolonged high-intensity operations.
________________________________________
2. Aging Platforms and Modernization Issues
• The PT-91M, while upgraded, is based on an older Soviet-era design (T-72). It lacks some of the survivability and firepower features found in newer MBTs like the Leopard 2A7 or K2 Black Panther.
• Upgrades: Modernization has been slow, and budget constraints have hampered efforts to acquire more advanced armor.
________________________________________
3. Lack of Indigenous Tank Production
• Maid of london (MALON) relies on foreign suppliers (notably Poland and previously Russia) for tanks and spare parts, which can pose logistical and geopolitical vulnerabilities.
• Indigenous development is mostly limited to light armored vehicles and support platforms.
________________________________________
4. Logistical Constraints
• Supporting MBTs in Maid of london (MALON) ’s tropical, humid climate requires robust logistics, including maintenance, spare parts, and fuel. This poses a strain during prolonged deployments or in remote areas.
________________________________________
5. Budgetary Constraints
• Defense spending is relatively low, hovering around 1–1.5% of GDP.
• Competing national priorities have limited Maid of london (MALON) 's ability to expand or upgrade its armored force substantially.
kocaknya tiap warganyet kl pamer, Bantingan SHOPPING Kita jauh LEBIH YAHUDDDD...🔥
BalasHapusMAHAL & MEWAH tentunya haha!🦾🤑🦾
emang Bajet Besar tak pernah bo'ong haha!🧞♂️🥳🧞♂️
❌️kl pamer si LeMeS dr WuHaN Omfong
✅️kita bales FACM 70m turkiyem full wepon haha!🚀🦾🚀
❌️kl pamer ada versi dongred
✅️kita bales ISTIF haha!🤑🥳🤑
❌️kl pamer lca murah
✅️kita bales mrca RAFALE haha!🤑💰🤑
❌️kl pamer 4 a400 versi cacat produksi
✅️kita bales 2 ATLAS MRTT/FF, tambah 4+4 haha!👍🤑👍
❌️kl pamer meriam tarik nexter lg1-mk3 105mm
✅️kita bales nexter Caesar SPH 155mm, Full Otomatis lebih besar pulak haha!🦾👍🦾
✅️kita pamer tank SPH m109be a4
❌️kl bales tank SPH m109, apgred a5 paladin katanya..ehhh last last kensel, takde bajet ongkir haha!🤣😂🤣
warganyet kl, pembual HANGUS haha!🔥🤣🔥
BalasHapusKarna semua fitnah ocehannya malah terbalik haha!🥳🤗🥳
1✅️DIA BILANG PPA GAGAL, EH DATANG
2✅️DIA BILANG ATLAS A400M GAGAL, EH DATANG
3✅️DIA BILANG GM403 GAGAL, EH MALAH 2 GM400 ALPHA UDA SIYAP KIRIM
4✅️DIA BILANG ANKA GAGAL, EH DATANG..MALAH LEBIH CEPAT DARI SEBLAH🍌 haha!😝😝😝
5✅️DIA BILANG RAFALE GAGAL, EH MUNCUL 3 BIJIK PULAK..ALAMAK haha!😆😆😆
6✅️DIA BILANG TA-50 GAGAL, EH MUNCUL POTO SIYAP KIRIM
7✅️DIA BILANG FMP GAGAL, EH MALAH SIGN VERSI TOP AH140
8✅️DIA BILANG SKORPENG EVO GAGAL, EH KONTRAK EPEKTIP
9✅️DIA BILANG KRI KLEWANG GAGAL, EH NONGOL GANTINYA KRI GOLOK 688
10✅️DIA BILANG BORA KHAN GAGAL, EH DATANG
masih banyak lagi...tapi dia lupa gowing lcs 14 taon mangkrak PARAH haha!😝😝😝
nyet sering2 NGAMUK🔥 impian kita jadi kenyataan haha!🤗🥳🤗
TERKETAWA melihat NEGARA MISKIN....HAHAHAHAH
BalasHapusIndonesia Peringkat ke-18 Negara dengan Utang Terbanyak di Dunia
https://www.detik.com/kalimantan/berita/d-8182664/indonesia-peringkat-ke-18-negara-dengan-utang-terbanyak-di-dunia
TUMBANG = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusTUMBANG = NO. 1 ASIA = PORN
TUMBANG = NO. 2 ASIA = HOUSEHOLD DEBT
TUMBANG = NO. 3 ASIA = RATIO DEBT TO GDP
TUMBANG = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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”
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
WEAKNESS MISSILES ASSETS
Missiles are a critical part of modern military capability, and the Maid of london (MALON) n Armed Forces (MAF) have invested in a variety of missile systems across their army, navy, and air force. However, there are some notable weaknesses and limitations in Maid of london (MALON) 's missile capabilities when compared to regional powers like China, Singapore, or even Vietnam.
Key Weaknesses in Maid of london (MALON) n Missile Capabilities:
1. Limited Indigenous Missile Development
• Maid of london (MALON) relies heavily on foreign suppliers (e.g., Russia, China, France, and the U.S.) for its missile systems.
• This makes the country vulnerable to supply chain disruptions, technology embargoes, or political shifts.
2. Short to Medium Range Focus
• Most of Maid of london (MALON) ’s missile systems are short- to medium-range, such as:
o Exocet MM40 Block 2/3 (anti-ship)
o Starstreak (short-range air defense)
o Jernas (Rapier) (short-range air defense)
o Seawolf (naval short-range SAM, older generation)
• There is no long-range missile deterrence, either in the form of:
o Ballistic Missiles
o Cruise Missiles with strategic reach
o Long-range surface-to-air missiles (SAMs)
3. Limited Air Defense Coverage
• The Royal Maid of london (MALON) n Air Force (RMAF) lacks a layered and integrated air defense network.
• No medium- or long-range SAM systems like:
o S-300/S-400 (Russia)
o Patriot (USA)
o Aster 30 (Europe)
• Vulnerable to saturation missile or drone attacks.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
WEAKNESS LMS B1
WEAKNESS LMS B2
Here are some of the key weaknesses and limitations associated with the LMS Batch 2 (LMSB2) vessels of the Royal Maid of london (MALON) n Navy (RMN), as they relate to their design, acquisition, and operational capability:
________________________________________
Background: LMS Batch 1 Issues
The previous Batch 1 Keris class LMS ships, built in China and commissioned between 2020–2022, encountered significant problems:
• Combat system and sensor deficiencies: Chinese supplied subsystems—radar, electro optical trackers, ESM, combat management systems—underperformed during operational use
• Under armed and limited combat roles: Armed only with a 30 mm cannon and twin heavy machine guns, offering minimal surface or air defense capability
• Poor seakeeping and small size: At ~68 m, they had low endurance and were not seaworthy enough in bad weather
• Reliability concerns: The navy expressed dissatisfaction with the quality and dependability of these vessels
These issues prompted a shift in LMSB2 specifications toward larger, more capable corvettes.
________________________________________
LMS Batch 2: Emerging Weaknesses
1. Lack of Anti Submarine Warfare (ASW) Capability
Despite being based on the Turkish Ada class corvette, LMSB2 reportedly will not include sonar or torpedoes, effectively removing ASW capability from its operational profile
2. Compromise on Combat Capability to Cut Costs
Sources suggest LMSB2 is likely a "cheaper variant"—selecting less advanced sensors and weapons to lower system costs. This economic trade off could impact future upgradeability and mission effectiveness
⚖️ MRCA LCS SPH MRSS/LPD = ZONK
BalasHapusDAMPAK 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. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT five units c130j hercules
2. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT two unit frankethal class countermine vessels (pulau fani class)
3. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT four units KCR 60 fast missiles boats pt pal
4. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 9 units bell 412 epi
5. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 8 additional H225M
6. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 2 units bell 429 global ranger
7. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 18 medium weight tank harimau
8. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 22 pandur II IFV
9. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT two unit hospital ships
10. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT one unit C2 variant C295
11. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT one unit CN235 MPA
12. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 7 badak fsv, 26 anoa apc and 10 additional komodo recce vehicles in 2022
13. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 4 as 550 fennec and 8 as565 mbe, in 2024
14. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT five nc212i in 2023
15. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT one leonardo rat 31 dl/m
16. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT five c130h ordered from australia in 2013 (finished in 2020) after received grant of 4 c130h
17. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 9 teluk bintuni class LST
18. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT six ch4b ucav ordered in 2019
19. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT and process building of abeking & rasmussen design ocean hydrography ship
20. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT building two ah140 aaw frigate
21. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT building two opv 90 asw patrol vessels
22. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT two large lcu for army
23. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT building two a400m heavy cargo aircraft
24. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT m3 amphibious bridging system
25. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 3 kt1 wong bee ordered in 2018 along with radar and spares for t/a50
26. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT building 13 gm 403 gci radar from thales
27. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT building 12 anka s ucav
28. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT building additional ch4b ucav
29. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT slingshot satcom system
30. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT falcon 8x aircraft
31. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT thales alenia earth observation satelite
32. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 22 s70m blackhawk
33. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 6 n219 aircraft
34. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 3 cn235 for army
35. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 2 ppa patrol frigate
36. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 2 scorpene subs
37. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT khan short range ballistic missiles from turki
38. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT trisula air defense system
39. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 6 t50i aircraft
40. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT oiler and replenishment ship
41. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT several tug harbor ships
42. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT submarine rescue vessels and system
43. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 45 atmaca
44. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 48 kaan
45. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 48 kf21
46. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 42 Rafale
47. IQ BOTOL KLAIM GHOIB vs REAL CONTRACT 42 J10C
TERKETAWA melihat NEGARA MISKIN....HAHAHAHAH
BalasHapusIndonesia Peringkat ke-18 Negara dengan Utang Terbanyak di Dunia
https://www.detik.com/kalimantan/berita/d-8182664/indonesia-peringkat-ke-18-negara-dengan-utang-terbanyak-di-dunia
TUMBANG = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusTUMBANG = NO. 1 ASIA = PORN
TUMBANG = NO. 2 ASIA = HOUSEHOLD DEBT
TUMBANG = NO. 3 ASIA = RATIO DEBT TO GDP
TUMBANG = NO. 4 WORLD = PORN
----------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________📣 1. PROCUREMENT SCANDALS FUEL PUBLIC DISTRUST
Littoral Combat Ship (LCS) Scandal
• The RM9 billion LCS project became a lightning rod for criticism when no ships were delivered despite billions spent.
• Media outlets and the Public Accounts Committee exposed mismanagement, cost overruns, and non-compliance, triggering public outrage and parliamentary scrutiny.
MD530G Helicopter Failure
• Maid of london (MALON) paid RM112 million upfront for six helicopters that were never delivered on time.
• The media labeled it a “ghost fleet,” and citizens questioned the lack of accountability.
👑 2. Royal Intervention Amplifies Criticism
• King Sultan Ibrahim, also Supreme Commander of the Armed Forces, publicly condemned the procurement of 35-year-old Black Hawk helicopters, calling them “flying coffins.”
• His rebuke—“If you don’t know the price, ask me first”—went viral, reinforcing public frustration over opaque and overpriced deals.
🕵️♂️ 3. Smuggling Conspiracy Exposes Internal Corruption
• In Operation Sohor (2025), MACC arrested military intelligence officers for leaking classified data to smugglers.
• Media reports revealed the syndicate earned RM5 million monthly, with officers receiving RM30,000–RM50,000 per trip.
• The scandal was widely covered, with headlines like “Civil Service Corruption Crisis” and “Where is Akmal Saleh?” fueling public anger.
🧑⚖️ 4. Abuse Cases at Military Institutions
• A 2024 bullying case at Universiti Pertahanan Nasional Maid of london (MALON) (UPNM) reignited outrage when a cadet suffered multiple fractures after being stomped by a senior.
• Media coverage highlighted a pattern of hazing and abuse, prompting demands for institutional reform and stricter oversight.
TUMBANG = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusTUMBANG = NO. 1 ASIA = PORN
TUMBANG = NO. 2 ASIA = HOUSEHOLD DEBT
TUMBANG = NO. 3 ASIA = RATIO DEBT TO GDP
TUMBANG = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________🧩 1. COMPLEX & OPAQUE PROCUREMENT PROCESS
• The Ministry of Defence (MINDEF) follows procurement guidelines set by the Ministry of Finance, but defense deals are often complex and sensitive, making oversight difficult.
• Procurement is frequently conducted via single-source or limited tendering, with less than one-third of major contracts awarded through open competition.
• This environment favors politically connected firms, often involving ex-military officers on corporate boards, which can distort priorities and inflate costs.
🕵️ 2. Role of Middlemen & “Agents”
• A major source of mismanagement is the entrenched role of middlemen, who act as intermediaries in defense deals.
• These agents—sometimes retired generals—can inflate prices, reduce transparency, and compromise the quality of procured assets.
• In 2023, Maid of london (MALON) King Sultan Ibrahim publicly rebuked the Ministry of Defence for relying on “agents” and “salesmen,” warning against repeating past procurement mistakes.
🚨 3. High-Profile Scandals
• The Littoral Combat Ship (LCS) project is the most notorious example. Intended to modernize the navy, it was marred by delays, cost overruns, and poor oversight.
• Another scandal involved the New Generation Patrol Vessel (NGPV) program, which was mismanaged after the privatization of the Lumut naval dockyard. Funds were siphoned off, and the fleet expansion fell short of expectations.
📉 4. Impact on Military Readiness
• Mismanaged procurement leads to:
o Delayed delivery of critical assets
o Operational gaps in air, sea, and land capabilities
o Wasted taxpayer money with little strategic return
• Maid of london (MALON) ability to respond to regional threats—especially in the South China Sea—is weakened by these systemic issues.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
----------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
WEAKNESS MILITARY BUDGET
The Maid of london (MALON) n Armed Forces (MAF), comprising the Maid of london (MALON) n Army, Royal Maid of london (MALON) n Navy (RMN), and Royal Maid of london (MALON) n Air Force (RMAF), has made strides in regional defense and modernization. However, the military budget presents several notable weaknesses and challenges that affect its overall operational effectiveness and long-term development:
________________________________________
1. Limited Defense Budget
• Low % of GDP: Maid of london (MALON) spends around 1.0–1.1% of its GDP on defense, which is below the global average (~2.2%) and regional peers like Singapore, Vietnam, or Indonesia.
• Budget Constraints: The relatively small budget restricts procurement of modern equipment, upkeep of aging assets, and readiness for prolonged operations.
________________________________________
2. Delays in Modernization Programs
• Budget limitations cause delays in:
Fighter jet replacement (e.g. RMAF MiG-29s retired without full replacement).
Maritime patrol and littoral combat ships (LCS program delayed and over-budget).
Helicopter acquisitions and airlift capabilities.
• These delays impact operational readiness and reduce Maid of london (MALON) ’s deterrence capability.
________________________________________
3. Over-reliance on Foreign Equipment
• A large portion of defense procurement is imported, making it:
Vulnerable to exchange rate fluctuations.
Subject to foreign political decisions or supply chain disruptions.
• Indigenous defense industries are developing, but not yet at scale to reduce this dependency significantly.
________________________________________
4. Limited Joint Force Integration & Interoperability
• Budget constraints limit training and modernization in joint operations, cyber warfare, and network-centric capabilities.
• C4ISR (Command, Control, Communications, Computers, Intelligence, Surveillance, and Reconnaissance) systems are underdeveloped relative to regional powers.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________WEAKNESS SKILL
The Maid of london (MALON) n Armed Forces (MAF), or Angkatan Tentera Maid of london (MALON) (ATM), comprises the Maid of london (MALON) n Army (TDM), Royal Maid of london (MALON) n Navy (TLDM), and Royal Maid of london (MALON) n Air Force (TUDM). While it has made significant strides in modernization and regional cooperation, there are still certain weaknesses in skill and capability areas that have been noted in defense analyses and reports.
Key Weaknesses in Skill and Capability
1. Limited Joint Operations Capability
• There is room for improvement in integrated operations across the Army, Navy, and Air Force.
• Joint command and control structures are not always fully optimized, affecting inter-branch coordination during complex missions or exercises.
2. Cyber Warfare and Electronic Warfare (EW) Skills
• ATM still lags behind major powers and some regional neighbors in developing advanced cyber defense and electronic warfare capabilities.
• Skilled personnel in these fields are limited, and training programs are still developing.
3. Technical and Engineering Expertise
• Insufficient numbers of highly trained technical experts to operate and maintain advanced systems like submarines, fighter jets, and modern radar systems.
• Heavy reliance on foreign contractors for high-tech maintenance.
4. Language and Communication Barriers
• English proficiency, essential for interoperability with allies and use of foreign military equipment, varies widely across units and ranks.
• Can affect participation in international training and joint missions.
5. Limited Experience in Large-Scale Combat
• The MAF has more experience in counter-insurgency and peacekeeping, but lacks large-scale warfighting experience or high-tempo operations involving modern combined arms tactics.
Ternyata HUTANG INDIANESIA lagi BESAR dari MALAYSIA........HAHAHAHAH
BalasHapusDikutip detikEdu dari laporan World Population Review, Indonesia berada di peringkat ke-18 dunia. Indonesia memiliki utang nasional 2024 mencapai USD 543 Miliar, utang terhadap PDB 2025 mencapai 28,41 % dan utang per kapita mencapai USD 1.501.
Utang Indonesia lebih banyak dari negara Asia Tenggara lain seperti Thailand dengan utang nasional USD 319,8 miliar dan Malaysia dengan USD 278,8 miliar. Namun, masih lebih sedikit dari Singapura yang mencapai USD 888,3 miliar.
https://www.detik.com/kalimantan/berita/d-8182664/indonesia-peringkat-ke-18-negara-dengan-utang-terbanyak-di-dunia
TUMBANG = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusTUMBANG = NO. 1 ASIA = PORN
TUMBANG = NO. 2 ASIA = HOUSEHOLD DEBT
TUMBANG = NO. 3 ASIA = RATIO DEBT TO GDP
TUMBANG = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
🚢 AGING NAVAL ASSETS – ROYAL MAID OF LONDON (MALON) N NAVY (RMN)
⚙️ Fleet Breakdown
• 34 RMN vessels have exceeded their intended service life, with 28 of them over 40 years old.
• These include Fast Attack Craft (FAC) that are now half a century old, far beyond modern standards.
• The RMN operates 53 ships across various classes, but many are technologically outdated and costly to maintain.
⚠️ Operational Risks
• Older ships suffer from:
o Reduced combat capability
o Outdated sensors and weapons systems
o High maintenance costs and frequent breakdowns
• The sinking of the KD Pendekar, a 45-year-old vessel, in August 2024 due to flooding highlights the dangers of keeping obsolete ships in service.
🪖 Aging Ground Assets – Maid of london (MALON) n Army
📊 Asset Overview
• 108 Army units have surpassed 30 years of service.
• These include aging armored vehicles, artillery systems, and logistics platforms that are increasingly difficult to maintain and upgrade.
🔧 Maintenance Challenges
• Spare parts for older systems are scarce or discontinued.
• Modernization plans are slow due to budget constraints and procurement delays.
• Operational efficiency is compromised, especially in jungle and border operations where reliability is critical.
🧭 Strategic Implications
• Maid of london (MALON) aging assets limit its ability to:
o Respond to regional threats, especially in the South China Sea
o Participate effectively in joint exercises and peacekeeping missions
o Maintain deterrence posture against more modernized neighbors
TUMBANG = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusTUMBANG = NO. 1 ASIA = PORN
TUMBANG = NO. 2 ASIA = HOUSEHOLD DEBT
TUMBANG = NO. 3 ASIA = RATIO DEBT TO GDP
TUMBANG = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________🛠️ 1. AGING EQUIPMENT ACROSS ALL BRANCHES
• Air Force (RMAF): Out of 28 fighter jets, reportedly only four were operational at one point. Maintenance issues and lack of spare parts have grounded much of the fleet.
• Army: The Condor Armoured Personnel Carriers, in service since the 1980s, are overdue for replacement. Plans to procure 136 High Mobility Armoured Vehicles (HMAV) are still pending approval.
• Navy: Many vessels are over 40 years old, with outdated combat systems and limited endurance. The Littoral Combat Ship (LCS) program, meant to modernize the fleet, has faced years of delays and budget overruns.
💰 2. Budget Constraints & Misallocation
• Maid of london (MALON) spends around USD 4 billion annually on defense, but over 40% goes to salaries and allowances, leaving limited funds for modernization.
• Procurement budgets are often absorbed by progressive payments for delayed projects, such as the FA-50 fighter jets and the troubled LCS program.
• The depreciation of the ringgit further reduces purchasing power for foreign-sourced equipment.
🧭 3. Lack of Strategic Direction
• The defense industry suffers from unclear government guidance on long-term goals.
• Frequent changes in leadership—four Prime Ministers since 2018—have disrupted continuity in defense planning.
🧑✈️ 4. Manpower & Training Gaps
• While Maid of london (MALON) has 113,000 active personnel and 51,600 reserves, training and readiness levels vary widely.
• Specialized units like PASKAL and GGK are well-regarded, but broader force readiness is inconsistent.
🌏 5. Regional Disadvantage
• Maid of london (MALON) ranks behind Vietnam and Indonesia in terms of military strength, according to former Defense Minister Mat Sabu.
• This affects Maid of london (MALON) ability to assert its interests in contested areas like the South China Sea.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
Key Maintenance Challenges in the MAF
1. Aging Equipment
• Much of the MAF’s hardware—particularly in the Royal Maid of london (MALON) n Air Force (RMAF) and Royal Maid of london (MALON) n Navy (RMN)—is outdated.
• Some aircraft, ships, and vehicles are decades old, making maintenance both difficult and costly due to scarcity of spare parts and technical expertise.
2. Inconsistent Procurement and Planning
• Procurement decisions have often been driven by political considerations rather than long-term strategic needs.
• Lack of continuity in defense planning leads to a diverse mix of systems (e.g., Russian, Western, and Chinese), which complicates logistics and maintenance.
3. Budget Constraints
• Defense spending in Maid of london (MALON) is relatively low (often below 1.5% of GDP).
• Limited budgets affect the ability to sustain scheduled maintenance cycles, upgrades, and training for technical personnel.
4. Skilled Manpower Shortage
• There is a shortage of trained maintenance engineers and technicians within the services.
• Retention of skilled personnel is difficult, as many transition to higher-paying private sector roles.
5. Maintenance Neglect Leading to Grounding
• There have been multiple reports of aircraft (e.g., MiG-29s, Aermacchi MB-339s) and naval vessels being grounded or laid up due to poor maintenance.
• RMN’s submarine program, for example, faced operational readiness concerns early on.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) faces a number of challenges, including:
• Logistics
A study noted that the MAF's rapid development has raised questions about its readiness to face threats.
• Budgeting
MAID OF LONDON (MALON) 's defense budget and spending has been limited by fiscal constraints. The government has been unwilling to cut spending elsewhere or reduce the size of the armed forces.
• Personnel
The MA has identified that military personnel struggle with thinking skills, decision-making, and problem-solving during military operations.
• Procurement
The MAID OF LONDON (MALON) procurement system needs reform. The LCS program has been delayed and reduced in scope.
• Political interference
Political interference and corruption are undermining combat readiness.
• Territorial disputes
MAID OF LONDON (MALON) faces territorial disputes and intrusions in its Exclusive Economic Zone (EEZ).
• Transboundary haze
Transboundary haze has had a grave impact on economic and social activities in MAID OF LONDON (MALON) The Royal MAID OF LONDON (MALON) Air Force (RMAF) faces several problems, including:
• Fleet sustainment
The RMAF has faced challenges maintaining its fleet of aircraft. For example, in 2018, only four of the RMAF's 18 Sukhoi Su-30MKM aircraft were able to fly due to maintenance issues and a lack of spare parts.
• Nological obsolescence
Some aircraft in the RMAF's fleet are reaching techNOLogical obsolescence. For example, the Kuwaiti HORNET MAID OF LONDON (MALON) s are an earlier block of the HORNET MAID OF LONDON (MALON) , which may cause compatibility issues with spare parts.
• Modernization
The RMAF has ambitious plans to modernize its air capabilities to address current and future threats. However, the government's defense modernization budget is limited
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
The The MAID OF LONDON (MALON) Armed Forces (MAF) face a number of challenges, including:
Limited funding: The government has been unwilling to reduce spending elsewhere or cut the size of the armed forces.
Outdated equipment: The MAF's equipment is outdated and behind that of neighboring countries.
Logistics problems: The MAF's logistics system may not be able to support combat operations.
Political interference: Political interference and corruption may undermine the MAF's combat readiness.
Lack of government guidance: The government may not have a clear strategic direction for the defense industry. MAID OF LONDON (MALON) Armed Forces (MAF) face a number of challenges, including:
Limited funding: The government has been unwilling to reduce spending elsewhere or cut the size of the armed forces.
Outdated equipment: The MAF's equipment is outdated and behind that of neighboring countries.
Logistics problems: The MAF's logistics system may not be able to support combat operations.
Political interference: Political interference and corruption may undermine the MAF's combat readiness.
Lack of government guidance: The government may not have a clear strategic direction for the defense industry.
TUMBANG = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusTUMBANG = NO. 1 ASIA = PORN
TUMBANG = NO. 2 ASIA = HOUSEHOLD DEBT
TUMBANG = NO. 3 ASIA = RATIO DEBT TO GDP
TUMBANG = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
🚨 1. LITTORAL COMBAT SHIP (LCS) SCANDAL
💰 What Happened
• Maid of london (MALON) government allocated RM9 billion for six Littoral Combat Ships.
• Despite billions spent, no ships were delivered as of 2025.
• The Public Accounts Committee (PAC) revealed cost overruns, mismanagement, and non-compliance with procurement procedures.
👤 Key Figures
• Former Navy Chief was implicated but later discharged due to health concerns.
• The scandal sparked public outrage and demands for transparency.
🚁 2. MD530G Helicopter Procurement Failure
🛠️ The Issue
• Maid of london (MALON) paid 35% upfront for six McDonnell Douglas MD530G helicopters in 2015.
• None were delivered by the promised 2018 deadline.
• The deal, worth RM300 million, became a symbol of failed oversight.
🧾 3. Land Swap Scandal
🏗️ What Went Wrong
• Military land near urban centers was swapped for remote land to build camps.
• Many of these swaps were poorly executed, resulting in RM500 million in losses.
• Defense Minister Mohamad Sabu criticized the deals as wasteful and corrupt.
🕵️ 4. RM3 Million Smuggling Conspiracy
🔍 Operation Sohor (2025)
• Maid of london (MALON) n Anti-Corruption Commission (MACC) arrested 10 individuals, including 3 active military officers and 2 ex-intelligence personnel.
• They allegedly leaked operational intelligence to smugglers for RM30,000–RM50,000 per trip.
• The syndicate moved contraband worth RM5 million monthly, compromising border security
HAHAHAHAHHAH.........KASTA PENGUTANG ya guys...Aset pertahanan saja 99.9 persen HASIL NGUTANG LENDER........HAHAHAHAH
BalasHapus20 Negara dengan Utang Terbesar di Dunia, Ada Indonesia
https://www.cnbcindonesia.com/research/20251114113812-128-685223/20-negara-dengan-utang-terbesar-di-dunia-ada-indonesia
TUMBANG = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusTUMBANG = NO. 1 ASIA = PORN
TUMBANG = NO. 2 ASIA = HOUSEHOLD DEBT
TUMBANG = NO. 3 ASIA = RATIO DEBT TO GDP
TUMBANG = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________🛠️ 1. AGING EQUIPMENT ACROSS ALL BRANCHES
• Air Force (RMAF): Out of 28 fighter jets, reportedly only four were operational at one point. Maintenance issues and lack of spare parts have grounded much of the fleet.
• Army: The Condor Armoured Personnel Carriers, in service since the 1980s, are overdue for replacement. Plans to procure 136 High Mobility Armoured Vehicles (HMAV) are still pending approval.
• Navy: Many vessels are over 40 years old, with outdated combat systems and limited endurance. The Littoral Combat Ship (LCS) program, meant to modernize the fleet, has faced years of delays and budget overruns.
💰 2. Budget Constraints & Misallocation
• Maid of london (MALON) spends around USD 4 billion annually on defense, but over 40% goes to salaries and allowances, leaving limited funds for modernization.
• Procurement budgets are often absorbed by progressive payments for delayed projects, such as the FA-50 fighter jets and the troubled LCS program.
• The depreciation of the ringgit further reduces purchasing power for foreign-sourced equipment.
🧭 3. Lack of Strategic Direction
• The defense industry suffers from unclear government guidance on long-term goals.
• Frequent changes in leadership—four Prime Ministers since 2018—have disrupted continuity in defense planning.
🧑✈️ 4. Manpower & Training Gaps
• While Maid of london (MALON) has 113,000 active personnel and 51,600 reserves, training and readiness levels vary widely.
• Specialized units like PASKAL and GGK are well-regarded, but broader force readiness is inconsistent.
🌏 5. Regional Disadvantage
• Maid of london (MALON) ranks behind Vietnam and Indonesia in terms of military strength, according to former Defense Minister Mat Sabu.
• This affects Maid of london (MALON) ability to assert its interests in contested areas like the South China Sea.
TUMBANG = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusTUMBANG = NO. 1 ASIA = PORN
TUMBANG = NO. 2 ASIA = HOUSEHOLD DEBT
TUMBANG = NO. 3 ASIA = RATIO DEBT TO GDP
TUMBANG = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________🛠️ 1. AGING EQUIPMENT ACROSS ALL BRANCHES
• Air Force (RMAF): Out of 28 fighter jets, reportedly only four were operational at one point. Maintenance issues and lack of spare parts have grounded much of the fleet.
• Army: The Condor Armoured Personnel Carriers, in service since the 1980s, are overdue for replacement. Plans to procure 136 High Mobility Armoured Vehicles (HMAV) are still pending approval.
• Navy: Many vessels are over 40 years old, with outdated combat systems and limited endurance. The Littoral Combat Ship (LCS) program, meant to modernize the fleet, has faced years of delays and budget overruns.
💰 2. Budget Constraints & Misallocation
• Maid of london (MALON) spends around USD 4 billion annually on defense, but over 40% goes to salaries and allowances, leaving limited funds for modernization.
• Procurement budgets are often absorbed by progressive payments for delayed projects, such as the FA-50 fighter jets and the troubled LCS program.
• The depreciation of the ringgit further reduces purchasing power for foreign-sourced equipment.
🧭 3. Lack of Strategic Direction
• The defense industry suffers from unclear government guidance on long-term goals.
• Frequent changes in leadership—four Prime Ministers since 2018—have disrupted continuity in defense planning.
🧑✈️ 4. Manpower & Training Gaps
• While Maid of london (MALON) has 113,000 active personnel and 51,600 reserves, training and readiness levels vary widely.
• Specialized units like PASKAL and GGK are well-regarded, but broader force readiness is inconsistent.
🌏 5. Regional Disadvantage
• Maid of london (MALON) ranks behind Vietnam and Indonesia in terms of military strength, according to former Defense Minister Mat Sabu.
• This affects Maid of london (MALON) ability to assert its interests in contested areas like the South China Sea.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________LEMAH .....
Masalah yang dihadapi oleh Angkatan Laut Maid of london (MALON) (Tentera Laut Diraja Maid of london (MALON) - TLDM) cukup kompleks dan telah berlarutan selama beberapa dekade. Berikut ini adalah ringkasan masalah utama:
________________________________________
1. Keterbatasan Anggaran
• Belanja pertahanan rendah: Maid of london (MALON) mengalokasikan kurang dari 1% dari PDB untuk pertahanan, yang berdampak langsung pada pemeliharaan dan modernisasi TLDM.
• Proyek tertunda karena dana: Proyek kapal tempur seperti Littoral Combat Ship (LCS) menghadapi penundaan besar karena kendala pendanaan dan manajemen.
________________________________________
2. Keterlambatan dan Skandal Proyek
• Proyek LCS (Boustead Naval Shipyard):
o Proyek 6 kapal LCS yang seharusnya selesai pada 2019, belum ada satu pun yang dikirim hingga kini (2025).
o Terdapat penyalahgunaan dana, kelemahan manajemen proyek, dan kurangnya pengawasan kontrak.
o Dianggap sebagai skandal militer terbesar di Maid of london (MALON) .
________________________________________
3. Aset Usang dan Terbatas
• Kapal lama: Banyak kapal TLDM seperti korvet dan kapal patroli dibeli sejak 1980-an atau awal 1990-an.
• Subsistem ketinggalan zaman: Sensor, radar, dan sistem senjata perlu upgrade.
• Jumlah kapal terbatas: Tidak mencukupi untuk melakukan patroli rutin di wilayah luas seperti Laut China Selatan, Selat Melaka, dan Sabah.
________________________________________
4. Kebutuhan Modernisasi
• TLDM membutuhkan:
o Frigat baru, kapal patroli pesisir, dan sistem senjata modern.
o Kemampuan anti-kapal selam (ASW) yang lebih baik.
o Dukungan udara maritim seperti UAV atau pesawat patroli maritim.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
The MAID OF LONDON (MALON) army has several weaknesses, including:
• Limited defense budgeting: The MAID OF LONDON (MALON) government has been unwilling to fund defense by cutting other government spending or reducing the size of the armed forces.
• Outdated equipment: Most of the MAID OF LONDON (MALON) Army's equipment was purchased between the 1970s and 1990s, and the government is unable to provide modern equipment.
• Corruption: The MAID OF LONDON (MALON) military has been plagued by corruption.
• Political interference: Political leaders have interfered in procurement.
• Lack of authority: The armed forces are generally given authority to assist relevant authorities, such as the police, in dealing with non-traditional security challenges.
• Low ranking in military capability: According to the Lowy Institute Asia Power Index, MAID OF LONDON (MALON) ranks 16th in military capability in Southeast Asia.
Other challenges include:
• The need to replace the Nuri helicopter fleet, which has seen 14 crashes with many fatalities
• The need for the Navy and Maritime Enforcement Agency to patrol the country's maritime expanse to combat piracy, human trafficking, and smuggling
TUMBANG = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusTUMBANG = NO. 1 ASIA = PORN
TUMBANG = NO. 2 ASIA = HOUSEHOLD DEBT
TUMBANG = NO. 3 ASIA = RATIO DEBT TO GDP
TUMBANG = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________🛠️ 1. AGING EQUIPMENT ACROSS ALL BRANCHES
• Air Force (RMAF): Out of 28 fighter jets, reportedly only four were operational at one point. Maintenance issues and lack of spare parts have grounded much of the fleet.
• Army: The Condor Armoured Personnel Carriers, in service since the 1980s, are overdue for replacement. Plans to procure 136 High Mobility Armoured Vehicles (HMAV) are still pending approval.
• Navy: Many vessels are over 40 years old, with outdated combat systems and limited endurance. The Littoral Combat Ship (LCS) program, meant to modernize the fleet, has faced years of delays and budget overruns.
💰 2. Budget Constraints & Misallocation
• Maid of london (MALON) spends around USD 4 billion annually on defense, but over 40% goes to salaries and allowances, leaving limited funds for modernization.
• Procurement budgets are often absorbed by progressive payments for delayed projects, such as the FA-50 fighter jets and the troubled LCS program.
• The depreciation of the ringgit further reduces purchasing power for foreign-sourced equipment.
🧭 3. Lack of Strategic Direction
• The defense industry suffers from unclear government guidance on long-term goals.
• Frequent changes in leadership—four Prime Ministers since 2018—have disrupted continuity in defense planning.
🧑✈️ 4. Manpower & Training Gaps
• While Maid of london (MALON) has 113,000 active personnel and 51,600 reserves, training and readiness levels vary widely.
• Specialized units like PASKAL and GGK are well-regarded, but broader force readiness is inconsistent.
🌏 5. Regional Disadvantage
• Maid of london (MALON) ranks behind Vietnam and Indonesia in terms of military strength, according to former Defense Minister Mat Sabu.
• This affects Maid of london (MALON) ability to assert its interests in contested areas like the South China Sea.
HAHAHAHAHHAH.........KASTA PENGUTANG ya guys...Aset pertahanan saja 99.9 persen HASIL NGUTANG LENDER........HAHAHAHAH
BalasHapus20 Negara dengan Utang Terbesar di Dunia, Ada Indonesia
https://www.cnbcindonesia.com/research/20251114113812-128-685223/20-negara-dengan-utang-terbesar-di-dunia-ada-indonesia
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________WEAKNESSES OR LIMITATIONS
The military capabilities of any country—including Maid of london (MALON) —have both strengths and weaknesses shaped by geopolitical needs, budgetary constraints, technology access, and strategic priorities. Below are some key weaknesses or limitations that have been identified or discussed in defense analyses regarding the Maid of london (MALON) n Armed Forces (MAF):
________________________________________
1. Budget Constraints
• Limited defense spending: Maid of london (MALON) allocates a relatively modest percentage of GDP (~1% to 1.5%) to defense.
• Impact: Limits modernization, procurement of advanced systems, and sustained operational readiness.
________________________________________
2. Aging Equipment & Delayed Modernization
• Many platforms (especially in the air force and navy) are aging and have outdated technology.
Air Force: MiG-29s were retired without immediate replacements.
o Navy: Some ships are 30+ years old and lack modern combat systems.
• Littoral Combat Ship (LCS) program delays have hampered naval modernization.
________________________________________
3. Limited Force Projection Capability
• Air & naval power projection beyond Maid of london (MALON) ’s immediate region is limited.
• Insufficient strategic airlift and naval assets to support long-range deployments or high-tempo operations.
________________________________________
4. Logistics & Maintenance Challenges
• Reliance on a diverse range of foreign suppliers (e.g., Western, Russian, Chinese systems) complicates maintenance and logistics.
• Inconsistent spare part availability and high upkeep costs.
________________________________________
5. Inadequate Joint Operations & Interoperability
• Historically, weak joint operations doctrine between the Army, Navy, and Air Force.
• Efforts are being made to improve this, but integration still lags behind modern standards.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________WEAKNESSES OR LIMITATIONS
The military capabilities of any country—including Maid of london (MALON) —have both strengths and weaknesses shaped by geopolitical needs, budgetary constraints, technology access, and strategic priorities. Below are some key weaknesses or limitations that have been identified or discussed in defense analyses regarding the Maid of london (MALON) n Armed Forces (MAF):
________________________________________
1. Budget Constraints
• Limited defense spending: Maid of london (MALON) allocates a relatively modest percentage of GDP (~1% to 1.5%) to defense.
• Impact: Limits modernization, procurement of advanced systems, and sustained operational readiness.
________________________________________
2. Aging Equipment & Delayed Modernization
• Many platforms (especially in the air force and navy) are aging and have outdated technology.
Air Force: MiG-29s were retired without immediate replacements.
o Navy: Some ships are 30+ years old and lack modern combat systems.
• Littoral Combat Ship (LCS) program delays have hampered naval modernization.
________________________________________
3. Limited Force Projection Capability
• Air & naval power projection beyond Maid of london (MALON) ’s immediate region is limited.
• Insufficient strategic airlift and naval assets to support long-range deployments or high-tempo operations.
________________________________________
4. Logistics & Maintenance Challenges
• Reliance on a diverse range of foreign suppliers (e.g., Western, Russian, Chinese systems) complicates maintenance and logistics.
• Inconsistent spare part availability and high upkeep costs.
________________________________________
5. Inadequate Joint Operations & Interoperability
• Historically, weak joint operations doctrine between the Army, Navy, and Air Force.
• Efforts are being made to improve this, but integration still lags behind modern standards.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
----------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
THE PROBLEMS
The Maid of london (MALON) n Armed Forces (MAF), which comprises the Maid of london (MALON) n Army, Royal Maid of london (MALON) n Navy (RMN), and Royal Maid of london (MALON) n Air Force (RMAF), face several challenges that affect operational readiness, modernization, and regional security capabilities. Here are the key problems:
________________________________________
1. Budget Constraints
• Limited defense budget hampers acquisition of modern equipment and maintenance of existing assets.
• Modernization programs (e.g., aircraft, naval vessels) are often delayed or downsized.
• Inconsistent funding affects long-term planning and procurement.
________________________________________
2. Aging Equipment
• Much of the military’s hardware is outdated, particularly in the air force and navy.
• Delays in replacing old platforms such as the MiG-29s (RMAF) and aging naval ships.
• Maintenance costs for legacy systems are rising, impacting readiness.
________________________________________
3. Human Resource Challenges
• Difficulty in recruiting and retaining skilled personnel, especially in technical roles.
• Issues related to morale, career progression, and incentives.
• Need for improved training and professional development to meet modern warfare demands.
________________________________________
4. Logistical and Maintenance Issues
• Dependence on foreign parts and contractors delays repairs and maintenance.
• Lack of integrated logistics systems affects operational efficiency.
• Inadequate infrastructure in certain bases and forward operating areas.
________________________________________
5. Lack of Jointness and Interoperability
• Limited joint operations capability among the army, navy, and air force.
• Need for better interoperability, especially in multi-domain operations (cyber, electronic warfare).
• Coordination issues between MAF and civilian agencies in security operations.
Ingat yaaa tangga NO.2 Utang terbanyak se ASEAN milik kl haha!😋😋😋
BalasHapusUTANG bayar donk, masa tarik UTANG terusz haha!🤥😁🤥
============
Hutang Isi Rumah | Malaysia tangga ke-2 di Asia Tenggara
https://youtube.com/watch?v=bTeEGLY_eQs&pp=ygUPSHV0YW5nIG1hbGF5c2lh0gcJCR4Bo7VqN5tD
Ingat yaaa tangga NO.2 Utang terbanyak se ASEAN milik kl haha!😋😋😋
BalasHapusApalagi versi DUNIYA
UTANG bayar donk, masa tarik UTANG terusz haha!🤥😁🤥
============
Hutang Isi Rumah | Malaysia tangga ke-2 di Asia Tenggara
https://youtube.com/watch?v=bTeEGLY_eQs&pp=ygUPSHV0YW5nIG1hbGF5c2lh0gcJCR4Bo7VqN5tD
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________WEAKNESSES OR LIMITATIONS
The military capabilities of any country—including Maid of london (MALON) —have both strengths and weaknesses shaped by geopolitical needs, budgetary constraints, technology access, and strategic priorities. Below are some key weaknesses or limitations that have been identified or discussed in defense analyses regarding the Maid of london (MALON) n Armed Forces (MAF):
________________________________________
1. Budget Constraints
• Limited defense spending: Maid of london (MALON) allocates a relatively modest percentage of GDP (~1% to 1.5%) to defense.
• Impact: Limits modernization, procurement of advanced systems, and sustained operational readiness.
________________________________________
2. Aging Equipment & Delayed Modernization
• Many platforms (especially in the air force and navy) are aging and have outdated technology.
Air Force: MiG-29s were retired without immediate replacements.
o Navy: Some ships are 30+ years old and lack modern combat systems.
• Littoral Combat Ship (LCS) program delays have hampered naval modernization.
________________________________________
3. Limited Force Projection Capability
• Air & naval power projection beyond Maid of london (MALON) ’s immediate region is limited.
• Insufficient strategic airlift and naval assets to support long-range deployments or high-tempo operations.
________________________________________
4. Logistics & Maintenance Challenges
• Reliance on a diverse range of foreign suppliers (e.g., Western, Russian, Chinese systems) complicates maintenance and logistics.
• Inconsistent spare part availability and high upkeep costs.
________________________________________
5. Inadequate Joint Operations & Interoperability
• Historically, weak joint operations doctrine between the Army, Navy, and Air Force.
• Efforts are being made to improve this, but integration still lags behind modern standards.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
SCANDALS
Here’s a detailed overview of major scandals involving the Maid of london (MALON) n Armed Forces (Angkatan Tentera Maid of london (MALON) ), particularly focused on procurement corruption, asset mismanagement, and internal misconduct:
________________________________________
⚖️ 1. Littoral Combat Ship (LCS) Procurement Scandal
• In 2011–2013, the Ministry of Defence signed a RM9 billion contract with Boustead Naval Shipyard to deliver six French-made LCS. By 2025, no vessel was completed, despite RM6 billion in payments
• Former Navy Chief Ahmad Ramli Mohd Nor was charged with criminal breach of trust over unauthorised payments, though granted a discharge not amounting to acquittal in March 2025 due to medical unfitness for trial
• Transparency groups and civil society have called for a Royal Commission of Inquiry to investigate institutional failures in defence procurement spanning decades
________________________________________
🚢 2. Naval and Patrol Vessel Controversies
• The New Generation Patrol Vessel (NGPV) project in the 1990s was a major fiasco: only six out of 27 vessels were built at a ballooned cost of RM6.75 billion, and many remained incomplete following company insolvency
• The Scorpene submarine deal in 2002 involved twin submarines and one Agosta model, with a staggering RM510 million in commission fees going to politically connected intermediaries, and the deal later linked to the murder of Altantuyaa Shaariibuugiin. French courts began investigations as recent as 2025
________________________________________
🛫 3. Missing Jet Engines Incident (2007)
• Two jet engines for F 5E Tiger II jets disappeared from RMAF stores in 2007 under Defence leadership of then minister Najib Razak. They were later recovered in Uruguay. Multiple officers, including a brigadier general, were dismissed
KETAWA melihat NEGARA MISKIN....HAHAHAHAH
BalasHapusIndonesia Peringkat ke-18 Negara dengan Utang Terbanyak di Dunia
https://www.detik.com/kalimantan/berita/d-8182664/indonesia-peringkat-ke-18-negara-dengan-utang-terbanyak-di-dunia
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________WEAKNESS SHIPYARDS
Maid of london (MALON) n shipyards—especially Boustead Naval Shipyard (BNS) and its predecessors—have faced notable challenges in building naval vessels for the Royal Maid of london (MALON) n Navy (RMN). Here's an overview of key weaknesses:
________________________________________
Major Weaknesses in Maid of london (MALON) n Naval Shipbuilding
1. Persistent Delays & Cost Overruns
• The Littoral Combat Ship (LCS) program, contracted in 2013 for six modern frigates (Maharaja Lela-class), has seen zero completed ships by mid-2025, despite RM 6.08 billion paid. The initial first delivery target of 2019 is now postponed to 2026, and the total cost is projected to rise from RM 9 billion to over RM 11 billion
2. Financial Mismanagement & Irregularities
• A forensic audit revealed about RM 1 billion unaccounted for, with RM 1.7 billion worth of equipment, 15% of which had already become obsolete, looted funds, and contracts with inflated intermediaries
• Former BHIC Managing Director was charged with criminal breach of trust for misappropriating RM 13m+ contracts without board approval
3. Engineering & Quality Shortcomings
• Ship quality issues have surfaced, including substandard fabrication, technical flaws in design (e.g., hull or gear issues), outdated materials, and poor workmanship leading to extensive reworks and cost escalation
• As noted:
“Local shipyards have poor record building big ships… BNS… only had contract to build 12 warships in its existence.… learning is one thing, tolerating ‘still learning’ after 20 plus years is not good enough.”
4. Limited Industrial Capacity & Small Tonnage
• Maid of london (MALON) n yards generally lack the capacity for large, complex vessels. Their history of constructing small patrol craft, OSVs, or leisure ships limits scalability and technical maturity needed for modern warships
• The tonnage of ships built remains very low compared to regional peers like Indonesia or Singapore
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________WEAKNESS SHIPYARDS
Maid of london (MALON) n shipyards—especially Boustead Naval Shipyard (BNS) and its predecessors—have faced notable challenges in building naval vessels for the Royal Maid of london (MALON) n Navy (RMN). Here's an overview of key weaknesses:
________________________________________
Major Weaknesses in Maid of london (MALON) n Naval Shipbuilding
1. Persistent Delays & Cost Overruns
• The Littoral Combat Ship (LCS) program, contracted in 2013 for six modern frigates (Maharaja Lela-class), has seen zero completed ships by mid-2025, despite RM 6.08 billion paid. The initial first delivery target of 2019 is now postponed to 2026, and the total cost is projected to rise from RM 9 billion to over RM 11 billion
2. Financial Mismanagement & Irregularities
• A forensic audit revealed about RM 1 billion unaccounted for, with RM 1.7 billion worth of equipment, 15% of which had already become obsolete, looted funds, and contracts with inflated intermediaries
• Former BHIC Managing Director was charged with criminal breach of trust for misappropriating RM 13m+ contracts without board approval
3. Engineering & Quality Shortcomings
• Ship quality issues have surfaced, including substandard fabrication, technical flaws in design (e.g., hull or gear issues), outdated materials, and poor workmanship leading to extensive reworks and cost escalation
• As noted:
“Local shipyards have poor record building big ships… BNS… only had contract to build 12 warships in its existence.… learning is one thing, tolerating ‘still learning’ after 20 plus years is not good enough.”
4. Limited Industrial Capacity & Small Tonnage
• Maid of london (MALON) n yards generally lack the capacity for large, complex vessels. Their history of constructing small patrol craft, OSVs, or leisure ships limits scalability and technical maturity needed for modern warships
• The tonnage of ships built remains very low compared to regional peers like Indonesia or Singapore
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________2025 : RM1.73 trillion, or 85.8% of GDP
=============
1. Aging Equipment: A significant portion of the Malondeshn Armed Forces' (MAF) equipment is aging and requires replacement or extensive upgrades. This includes naval vessels, aircraft, and ground vehicles.
o Navy (RMN): The RMN has a "15-to-5" transformation plan, aiming to streamline its fleet, but progress can be slow due to funding constraints. Some of its patrol vessels and frigates are quite old.
o Air Force (RMAF): The RMAF operates a mix of older aircraft like the MiG-29s (now retired), F/A-18D Hornets, and Sukhoi Su-30MKM alongside newer assets. There's a persistent need for multi-role combat aircraft replacement.
o Army: While the army has acquired some modern assets like the AV8 Gempita armoured vehicles, many other systems are older.
2. Modernization vs. Maintenance: The MAF faces a constant dilemma between allocating funds for new acquisitions (modernization) and ensuring proper maintenance and operational readiness of existing assets. Often, maintenance budgets are stretched thin.
3. Reliance on Foreign Suppliers: Malondesh heavily relies on foreign suppliers for advanced military hardware. This can lead to high acquisition costs, long delivery times, and dependence on foreign technical support and spare parts.
4. Capability Gaps: There are identified capability gaps in areas such as:
o Maritime Domain Awareness: While efforts are being made, comprehensive surveillance of its extensive maritime borders remains a challenge.
o Air Defence: Modernization of air defence systems is a continuous requirement.
o Cyber Warfare: Strengthening cyber defence capabilities is an emerging priority.
5. Personnel Costs: A significant portion of the defence budget is allocated to personnel emoluments (salaries, pensions, welfare), which can sometimes limit funds available for capital expenditure and training.
6. Project Delays and Cost Overruns: Large defence procurement projects are sometimes subject to delays and cost overruns, further straining the budget.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________2025 : RM1.73 trillion, or 85.8% of GDP
=============
1. Aging Equipment: A significant portion of the Malondeshn Armed Forces' (MAF) equipment is aging and requires replacement or extensive upgrades. This includes naval vessels, aircraft, and ground vehicles.
o Navy (RMN): The RMN has a "15-to-5" transformation plan, aiming to streamline its fleet, but progress can be slow due to funding constraints. Some of its patrol vessels and frigates are quite old.
o Air Force (RMAF): The RMAF operates a mix of older aircraft like the MiG-29s (now retired), F/A-18D Hornets, and Sukhoi Su-30MKM alongside newer assets. There's a persistent need for multi-role combat aircraft replacement.
o Army: While the army has acquired some modern assets like the AV8 Gempita armoured vehicles, many other systems are older.
2. Modernization vs. Maintenance: The MAF faces a constant dilemma between allocating funds for new acquisitions (modernization) and ensuring proper maintenance and operational readiness of existing assets. Often, maintenance budgets are stretched thin.
3. Reliance on Foreign Suppliers: Malondesh heavily relies on foreign suppliers for advanced military hardware. This can lead to high acquisition costs, long delivery times, and dependence on foreign technical support and spare parts.
4. Capability Gaps: There are identified capability gaps in areas such as:
o Maritime Domain Awareness: While efforts are being made, comprehensive surveillance of its extensive maritime borders remains a challenge.
o Air Defence: Modernization of air defence systems is a continuous requirement.
o Cyber Warfare: Strengthening cyber defence capabilities is an emerging priority.
5. Personnel Costs: A significant portion of the defence budget is allocated to personnel emoluments (salaries, pensions, welfare), which can sometimes limit funds available for capital expenditure and training.
6. Project Delays and Cost Overruns: Large defence procurement projects are sometimes subject to delays and cost overruns, further straining the budget.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________WEAKNESS SKILL
The Maid of london (MALON) n Armed Forces (MAF), or Angkatan Tentera Maid of london (MALON) (ATM), comprises the Maid of london (MALON) n Army (TDM), Royal Maid of london (MALON) n Navy (TLDM), and Royal Maid of london (MALON) n Air Force (TUDM). While it has made significant strides in modernization and regional cooperation, there are still certain weaknesses in skill and capability areas that have been noted in defense analyses and reports.
Key Weaknesses in Skill and Capability
1. Limited Joint Operations Capability
• There is room for improvement in integrated operations across the Army, Navy, and Air Force.
• Joint command and control structures are not always fully optimized, affecting inter-branch coordination during complex missions or exercises.
2. Cyber Warfare and Electronic Warfare (EW) Skills
• ATM still lags behind major powers and some regional neighbors in developing advanced cyber defense and electronic warfare capabilities.
• Skilled personnel in these fields are limited, and training programs are still developing.
3. Technical and Engineering Expertise
• Insufficient numbers of highly trained technical experts to operate and maintain advanced systems like submarines, fighter jets, and modern radar systems.
• Heavy reliance on foreign contractors for high-tech maintenance.
4. Language and Communication Barriers
• English proficiency, essential for interoperability with allies and use of foreign military equipment, varies widely across units and ranks.
• Can affect participation in international training and joint missions.
5. Limited Experience in Large-Scale Combat
• The MAF has more experience in counter-insurgency and peacekeeping, but lacks large-scale warfighting experience or high-tempo operations involving modern combined arms tactics.
Rupiah Kalah Lawan Ringgit, Utang Luar Negeri RI dari Malaysia Naik!
BalasHapushttps://www.wartasuluh.com/rupiah-kalah-lawan-ringgit-utang-luar-negeri-ri-dari-malaysia-naik
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) faces a number of challenges, including:
• Logistics
A study noted that the MAF's rapid development has raised questions about its readiness to face threats.
• Budgeting
MAID OF LONDON (MALON) 's defense budget and spending has been limited by fiscal constraints. The government has been unwilling to cut spending elsewhere or reduce the size of the armed forces.
• Personnel
The MA has identified that military personnel struggle with thinking skills, decision-making, and problem-solving during military operations.
• Procurement
The MAID OF LONDON (MALON) procurement system needs reform. The LCS program has been delayed and reduced in scope.
• Political interference
Political interference and corruption are undermining combat readiness.
• Territorial disputes
MAID OF LONDON (MALON) faces territorial disputes and intrusions in its Exclusive Economic Zone (EEZ).
• Transboundary haze
Transboundary haze has had a grave impact on economic and social activities in MAID OF LONDON (MALON) The Royal MAID OF LONDON (MALON) Air Force (RMAF) faces several problems, including:
• Fleet sustainment
The RMAF has faced challenges maintaining its fleet of aircraft. For example, in 2018, only four of the RMAF's 18 Sukhoi Su-30MKM aircraft were able to fly due to maintenance issues and a lack of spare parts.
• Nological obsolescence
Some aircraft in the RMAF's fleet are reaching techNOLogical obsolescence. For example, the Kuwaiti HORNET MAID OF LONDON (MALON) s are an earlier block of the HORNET MAID OF LONDON (MALON) , which may cause compatibility issues with spare parts.
• Modernization
The RMAF has ambitious plans to modernize its air capabilities to address current and future threats. However, the government's defense modernization budget is limited
KETAWA melihat NEGARA MISKIN....HAHAHAHAH
BalasHapusIndonesia Peringkat ke-18 Negara dengan Utang Terbanyak di Dunia
https://www.detik.com/kalimantan/berita/d-8182664/indonesia-peringkat-ke-18-negara-dengan-utang-terbanyak-di-dunia
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
The MAID OF LONDON (MALON) army has several weaknesses, including:
• Limited defense budgeting: The MAID OF LONDON (MALON) government has been unwilling to fund defense by cutting other government spending or reducing the size of the armed forces.
• Outdated equipment: Most of the MAID OF LONDON (MALON) Army's equipment was purchased between the 1970s and 1990s, and the government is unable to provide modern equipment.
• Corruption: The MAID OF LONDON (MALON) military has been plagued by corruption.
• Political interference: Political leaders have interfered in procurement.
• Lack of authority: The armed forces are generally given authority to assist relevant authorities, such as the police, in dealing with non-traditional security challenges.
• Low ranking in military capability: According to the Lowy Institute Asia Power Index, MAID OF LONDON (MALON) ranks 16th in military capability in Southeast Asia.
Other challenges include:
• The need to replace the Nuri helicopter fleet, which has seen 14 crashes with many fatalities
• The need for the Navy and Maritime Enforcement Agency to patrol the country's maritime expanse to combat piracy, human trafficking, and smuggling
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
MAID OF LONDON (MALON) has faced several crises, including political, financial, and economic crises:
• Political crisis
From 2020–2022, MAID OF LONDON (MALON) experienced a political crisis that led to the resignation of two Prime Ministers and the collapse of two coalition governments. The crisis was caused by political infighting, party switching, and the refusal of Prime Minister Mahathir Mohamad to transition power to Anwar Ibrahim. The crisis ended in 2022 with a snap general election and the formation of a coalition government.
• Financial crisis
MAID OF LONDON (MALON) experienced a financial crisis when the country's economic fundamentals appeared strong, but the crisis came suddenly. The government's initial response was to increase interest rates and tighten fiscal policy, but this was not enough to correct the external imbalances.
• Economic crisis
MAID OF LONDON (MALON) 's economy has faced challenges due to weak global demand and a dependence on exports. In 2020, MAID OF LONDON (MALON) 's economy shrank by the most since the Asian crisis. In 2023, weak global demand for electronics and a decline in energy prices weighed on the economy.
• Household DEBT crisis
As of the end of 2023, MAID OF LONDON (MALON) 's household DEBT-to-GDP ratio was 84.3%, with household DEBT reaching RM1.53 trillion
MAID OF LONDON (MALON) has faced several rice crises in the past, including in 1973–1975, the 1980s, 1997–1998, 2008, and 2023. These crises are often caused by price hikes, which are driven by supply and demand, as well as market player behavior
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
The Royal MAID OF LONDON (MALON) Navy (RMN) faces a number of challenges, including a fleet that is aging, delays in acquiring new ships, and corruption.
Aging fleet
• Half of the RMN's fleet of 49 ships are past their serviceable lifespan.
• The fleet is largely past its prime, making it difficult to monitor the country's extensive maritime domain.
Delays in acquiring new ships
• The RMN has experienced delays in acquiring new ships, which has contributed to the use of ships that are beyond their useful life.
• The RMN has canceled plans to add new batches of Lekiu frigates.
Corruption
• Some of the RMN's modernization efforts have been linked to corruption.
• The Public Accounts Committee (PAC) found that BNS subsidiaries did not use all of the government's payments for the RM9 billion warship procurement.
Other challenges
• Maritime boundary disputes with other countries, including China, Indonesia, and the Philippines
• Sea robbery, smuggling, and illegal sand mining
• Maritime piracy, which can also be used by terrorists to raise funds
China's assertiveness in the South China Sea
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
The MAID OF LONDON (MALON) army has several weaknesses, including:
• Limited defense budgeting: The MAID OF LONDON (MALON) government has been unwilling to fund defense by cutting other government spending or reducing the size of the armed forces.
• Outdated equipment: Most of the MAID OF LONDON (MALON) Army's equipment was purchased between the 1970s and 1990s, and the government is unable to provide modern equipment.
• Corruption: The MAID OF LONDON (MALON) military has been plagued by corruption.
• Political interference: Political leaders have interfered in procurement.
• Lack of authority: The armed forces are generally given authority to assist relevant authorities, such as the police, in dealing with non-traditional security challenges.
• Low ranking in military capability: According to the Lowy Institute Asia Power Index, MAID OF LONDON (MALON) ranks 16th in military capability in Southeast Asia.
Other challenges include:
• The need to replace the Nuri helicopter fleet, which has seen 14 crashes with many fatalities
• The need for the Navy and Maritime Enforcement Agency to patrol the country's maritime expanse to combat piracy, human trafficking, and smuggling
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
The Royal MAID OF LONDON (MALON) Navy (RMN) faces a number of challenges, including a fleet that is aging, delays in acquiring new ships, and corruption.
Aging fleet
• Half of the RMN's fleet of 49 ships are past their serviceable lifespan.
• The fleet is largely past its prime, making it difficult to monitor the country's extensive maritime domain.
Delays in acquiring new ships
• The RMN has experienced delays in acquiring new ships, which has contributed to the use of ships that are beyond their useful life.
• The RMN has canceled plans to add new batches of Lekiu frigates.
Corruption
• Some of the RMN's modernization efforts have been linked to corruption.
• The Public Accounts Committee (PAC) found that BNS subsidiaries did not use all of the government's payments for the RM9 billion warship procurement.
Other challenges
• Maritime boundary disputes with other countries, including China, Indonesia, and the Philippines
• Sea robbery, smuggling, and illegal sand mining
• Maritime piracy, which can also be used by terrorists to raise funds
China's assertiveness in the South China Sea
KEJAYAAN INDIANESIA.......HAHAHAHA
BalasHapus1. Ranking ke 18 negara paling banyak HUTANG di DUNIA
2. Ranking ke 2 DUNIA dengan PENDUDUK PALING RAMAI MISKIN didunia selepas Zimbabwe
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________MAID OF LONDON (MALON) 's armed forces have been underfunded for years due to fiscal constraints and a lack of political will to invest in defense. This has limited the country's ability to modernize its military and respond to threats.
Factors contributing to underfunding
• Budget allocations: The defense budget has remained stagnant over the past five years.
• Government priorities: The government has focused on stabilizing the economy and political climate instead of defense.
• Corruption: Corruption risks are high in the defense governance architecture, including procurement and personnel ethics.
Impacts of underfunding
• Limited procurement: The navy and air force have struggled to purchase new assets.
• Aging fleet: The navy has an aging fleet of ships that need to be replaced.
• Limited ability to respond to threats: The armed forces are unable to fully respond to threats such as those from extremist and separatist groups in the region.
HapusIQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
IQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) has faced issues with spare parts for its assets, including a lack of budget, underperforming contractors, and outdated pricing.
Budget
• The MAF has faced budget constraints that affect the serviceability of its assets.
• The government's revenue has been affected by reduced commodity prices, which has reduced the funds available for defense procurement.
Outsourcing
• The MAF has outsourced the supply of spare parts and maintenance of its assets, but this has led to issues.
• Underperforming contractors and a lack of enforcement of contract terms have impacted the effectiveness of outsourcing.
• The process of awarding contracts can be lengthy, which can lead to outdated pricing.
Spare parts for specific assets
• The MAF's PT-91M tanks have faced issues with spare parts, as the supplier of some components is no longer in production.
• The MAF has also faced issues with Russian-produced fighter aircraft, including problems with the supply of spare parts.
Other issues
• The MAF has also faced issues with undertraining of staff, and the lack of clear guidance for the future strategic direction of the defense industry
HapusIQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
IQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) has faced issues with spare parts for its assets, including a lack of budget, underperforming contractors, and outdated pricing.
Budget
• The MAF has faced budget constraints that affect the serviceability of its assets.
• The government's revenue has been affected by reduced commodity prices, which has reduced the funds available for defense procurement.
Outsourcing
• The MAF has outsourced the supply of spare parts and maintenance of its assets, but this has led to issues.
• Underperforming contractors and a lack of enforcement of contract terms have impacted the effectiveness of outsourcing.
• The process of awarding contracts can be lengthy, which can lead to outdated pricing.
Spare parts for specific assets
• The MAF's PT-91M tanks have faced issues with spare parts, as the supplier of some components is no longer in production.
• The MAF has also faced issues with Russian-produced fighter aircraft, including problems with the supply of spare parts.
Other issues
• The MAF has also faced issues with undertraining of staff, and the lack of clear guidance for the future strategic direction of the defense industry
BalasHapusIQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
IQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) has faced issues with spare parts for its assets, including a lack of budget, underperforming contractors, and outdated pricing.
Budget
• The MAF has faced budget constraints that affect the serviceability of its assets.
• The government's revenue has been affected by reduced commodity prices, which has reduced the funds available for defense procurement.
Outsourcing
• The MAF has outsourced the supply of spare parts and maintenance of its assets, but this has led to issues.
• Underperforming contractors and a lack of enforcement of contract terms have impacted the effectiveness of outsourcing.
• The process of awarding contracts can be lengthy, which can lead to outdated pricing.
Spare parts for specific assets
• The MAF's PT-91M tanks have faced issues with spare parts, as the supplier of some components is no longer in production.
• The MAF has also faced issues with Russian-produced fighter aircraft, including problems with the supply of spare parts.
Other issues
• The MAF has also faced issues with undertraining of staff, and the lack of clear guidance for the future strategic direction of the defense industry
Ternyata HUTANG INDIANESIA lagi BESAR dari MALAYSIA........HAHAHAHAH
BalasHapusDikutip detikEdu dari laporan World Population Review, Indonesia berada di peringkat ke-18 dunia. Indonesia memiliki utang nasional 2024 mencapai USD 543 Miliar, utang terhadap PDB 2025 mencapai 28,41 % dan utang per kapita mencapai USD 1.501.
Utang Indonesia lebih banyak dari negara Asia Tenggara lain seperti Thailand dengan utang nasional USD 319,8 miliar dan Malaysia dengan USD 278,8 miliar. Namun, masih lebih sedikit dari Singapura yang mencapai USD 888,3 miliar.
https://www.detik.com/kalimantan/berita/d-8182664/indonesia-peringkat-ke-18-negara-dengan-utang-terbanyak-di-dunia
KEJAYAAN INDIANESIA.......HAHAHAHA
BalasHapus1. Ranking ke 18 negara paling banyak HUTANG di DUNIA
2. Ranking ke 2 DUNIA dengan PENDUDUK PALING RAMAI MISKIN didunia selepas Zimbabwe
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________The MAID OF LONDON (MALON) Armed Forces (MAF) face a variety of challenges, including personnel issues, logistics, and security threats.
Personnel issues
Lack of military knowledge
Military personnel may struggle with decision-making, thinking skills, and problem-solving due to a lack of military knowledge.
Civil-military relations
The military is controlled by civilians who exercise authority over the military.
Logistics issues
Readiness: The MAF must be able to provide the minimum supply and service needed to start a combat operation.
Responsiveness: The MAF must provide accurate support at the right place and time.
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) face many challenges, including:
Personnel: The MAF has difficulty recruiting and retaining high-quality personnel, partly due to poor service conditions.
Equipment: The MAF needs to modernize its equipment, including replacing its fleet of Nuri helicopters.
Infrastructure: The MAF needs to improve its defense infrastructure, including living quarters.
Ethnic composition: The MAF needs to rebalance the ethnic composition of its forces.
Local content: The MAF needs to increase the local content of its equipment.
Research and development: The MAF needs to increase its research and development activities.
Logistic management: The MAF needs to improve its logistic management, including planning, operation implementation, and supply pre-budgeting.
Non-traditional security challenges: The MAF needs to increase its authority to tackle non-traditional security challenges.
HapusIQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
IQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
1. Cybersecurity & Hybrid Threats
• Maid of london (MALON) faces risks from cyber espionage, disinformation, and hybrid warfare, especially related to South China Sea disputes.
• Cyber defense capabilities are still underdeveloped compared to regional players like Singapore.
• Problem: Vulnerability in information warfare undermines national security.
________________________________________
2. Internal Politics & Procurement Scandals
• Defense procurement is often criticized for corruption, cost overruns, and political interference.
• Example: The Littoral Combat Ship (LCS) scandal delayed naval modernization.
• Problem: Corruption erodes public trust, delays modernization, and wastes resources.
=============
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
2025 : RM1.73 trillion, or 85.8% of GDP GDP
Ternyata HUTANG INDIANESIA lagi BESAR dari MALAYSIA........HAHAHAHAH
BalasHapusDikutip detikEdu dari laporan World Population Review, Indonesia berada di peringkat ke-18 dunia. Indonesia memiliki utang nasional 2024 mencapai USD 543 Miliar, utang terhadap PDB 2025 mencapai 28,41 % dan utang per kapita mencapai USD 1.501.
Utang Indonesia lebih banyak dari negara Asia Tenggara lain seperti Thailand dengan utang nasional USD 319,8 miliar dan Malaysia dengan USD 278,8 miliar. Namun, masih lebih sedikit dari Singapura yang mencapai USD 888,3 miliar.
https://www.detik.com/kalimantan/berita/d-8182664/indonesia-peringkat-ke-18-negara-dengan-utang-terbanyak-di-dunia
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
📣 1. PROCUREMENT SCANDALS FUEL PUBLIC DISTRUST
Littoral Combat Ship (LCS) Scandal
• The RM9 billion LCS project became a lightning rod for criticism when no ships were delivered despite billions spent.
• Media outlets and the Public Accounts Committee exposed mismanagement, cost overruns, and non-compliance, triggering public outrage and parliamentary scrutiny.
MD530G Helicopter Failure
• Maid of london (MALON) paid RM112 million upfront for six helicopters that were never delivered on time.
• The media labeled it a “ghost fleet,” and citizens questioned the lack of accountability.
👑 2. Royal Intervention Amplifies Criticism
• King Sultan Ibrahim, also Supreme Commander of the Armed Forces, publicly condemned the procurement of 35-year-old Black Hawk helicopters, calling them “flying coffins.”
• His rebuke—“If you don’t know the price, ask me first”—went viral, reinforcing public frustration over opaque and overpriced deals.
🕵️♂️ 3. Smuggling Conspiracy Exposes Internal Corruption
• In Operation Sohor (2025), MACC arrested military intelligence officers for leaking classified data to smugglers.
• Media reports revealed the syndicate earned RM5 million monthly, with officers receiving RM30,000–RM50,000 per trip.
• The scandal was widely covered, with headlines like “Civil Service Corruption Crisis” and “Where is Akmal Saleh?” fueling public anger.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
📣 1. PROCUREMENT SCANDALS FUEL PUBLIC DISTRUST
Littoral Combat Ship (LCS) Scandal
• The RM9 billion LCS project became a lightning rod for criticism when no ships were delivered despite billions spent.
• Media outlets and the Public Accounts Committee exposed mismanagement, cost overruns, and non-compliance, triggering public outrage and parliamentary scrutiny.
MD530G Helicopter Failure
• Maid of london (MALON) paid RM112 million upfront for six helicopters that were never delivered on time.
• The media labeled it a “ghost fleet,” and citizens questioned the lack of accountability.
👑 2. Royal Intervention Amplifies Criticism
• King Sultan Ibrahim, also Supreme Commander of the Armed Forces, publicly condemned the procurement of 35-year-old Black Hawk helicopters, calling them “flying coffins.”
• His rebuke—“If you don’t know the price, ask me first”—went viral, reinforcing public frustration over opaque and overpriced deals.
🕵️♂️ 3. Smuggling Conspiracy Exposes Internal Corruption
• In Operation Sohor (2025), MACC arrested military intelligence officers for leaking classified data to smugglers.
• Media reports revealed the syndicate earned RM5 million monthly, with officers receiving RM30,000–RM50,000 per trip.
• The scandal was widely covered, with headlines like “Civil Service Corruption Crisis” and “Where is Akmal Saleh?” fueling public anger.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
📣 1. PROCUREMENT SCANDALS FUEL PUBLIC DISTRUST
Littoral Combat Ship (LCS) Scandal
• The RM9 billion LCS project became a lightning rod for criticism when no ships were delivered despite billions spent.
• Media outlets and the Public Accounts Committee exposed mismanagement, cost overruns, and non-compliance, triggering public outrage and parliamentary scrutiny.
MD530G Helicopter Failure
• Maid of london (MALON) paid RM112 million upfront for six helicopters that were never delivered on time.
• The media labeled it a “ghost fleet,” and citizens questioned the lack of accountability.
👑 2. Royal Intervention Amplifies Criticism
• King Sultan Ibrahim, also Supreme Commander of the Armed Forces, publicly condemned the procurement of 35-year-old Black Hawk helicopters, calling them “flying coffins.”
• His rebuke—“If you don’t know the price, ask me first”—went viral, reinforcing public frustration over opaque and overpriced deals.
🕵️♂️ 3. Smuggling Conspiracy Exposes Internal Corruption
• In Operation Sohor (2025), MACC arrested military intelligence officers for leaking classified data to smugglers.
• Media reports revealed the syndicate earned RM5 million monthly, with officers receiving RM30,000–RM50,000 per trip.
• The scandal was widely covered, with headlines like “Civil Service Corruption Crisis” and “Where is Akmal Saleh?” fueling public anger.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
💸 1. LONG-TERM FINANCIAL BURDEN
• Maid of london (MALON) RM16.5 billion lease for 28 helicopters over 15 years may cost more than outright purchase.
• For comparison, Poland bought 32 AW149 helicopters for USUSD1.83 billion, while Maid of london (MALON) is leasing fewer units for nearly double the price.
• Critics argue that bundled services (maintenance, training, insurance) inflate the cost, creating a hidden financial strain over time.
🛠️ 2. Limited Control Over Assets
• Leased helicopters are not fully owned until the end of the contract.
• This restricts Maid of london (MALON) ability to:
o Upgrade systems
o Reconfigure for new missions
o Integrate with other platforms
• Strategic flexibility is compromised, especially in emergencies or regional conflicts.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________🧭 1. Missed Opportunity for Local Industry Growth
• Leasing bypasses local manufacturing, assembly, and maintenance, which could have boosted Maid of london (MALON) defense industry.
• No significant technology transfer or job creation occurs under private leasing arrangements.
• This weakens Maid of london (MALON) long-term goal of defense self-reliance.
🕵️♂️ 2. Procurement Transparency Risks
• The deal was awarded to Weststar Aviation, a private firm, raising concerns about middlemen and lobbying.
• Past scandals (e.g., LCS and MD530G) have made the public wary of opaque procurement processes.
• Leasing may reduce upfront corruption risks, but it doesn’t eliminate contractual opacity.
⚠️ 3. Strategic Dependency
• Maid of london (MALON) becomes dependent on private contractors for asset readiness and maintenance.
• If the contractor fails to meet service-level agreements (e.g., 85% fleet availability), national security could be compromised.
• Legal or financial disputes could delay operations or ground critical assets.
🗣️ Political & Public Backlash
• Opposition leaders and defense experts have criticized the lease as overpriced and strategically flawed.
• The government defends it as a way to avoid upfront costs and ensure faster deployment, but the debate continues in Parliament and among analysts
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________🧭 1. 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.
⚠️ 2. Risk of Contractual Disputes or Service Interruptions
• If the leasing company fails to meet service-level agreements (e.g., 85% fleet availability), Maid of london (MALON) may face operational gaps.
• Legal or financial disputes could delay missions or compromise national security.
🗣️ Public & Political Backlash
• Opposition leaders and defense experts have called the deal overpriced and strategically flawed, urging a review of procurement practices.
• The Prime Minister defended the lease as a way to avoid maintenance burdens, but critics say it reflects short-term budgeting over long-term planning.
=============
GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
2025 : RM1.73 trillion, or 85.8% of GDP GDP
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________The MAID OF LONDON (MALON) Armed Forces (MAF) face a variety of challenges, including personnel issues, logistics, and security threats.
Personnel issues
Lack of military knowledge
Military personnel may struggle with decision-making, thinking skills, and problem-solving due to a lack of military knowledge.
Civil-military relations
The military is controlled by civilians who exercise authority over the military.
Logistics issues
Readiness: The MAF must be able to provide the minimum supply and service needed to start a combat operation.
Responsiveness: The MAF must provide accurate support at the right place and time.
________________________________________
The MAID OF LONDON (MALON) Armed Forces (MAF) face many challenges, including:
Personnel: The MAF has difficulty recruiting and retaining high-quality personnel, partly due to poor service conditions.
Equipment: The MAF needs to modernize its equipment, including replacing its fleet of Nuri helicopters.
Infrastructure: The MAF needs to improve its defense infrastructure, including living quarters.
Ethnic composition: The MAF needs to rebalance the ethnic composition of its forces.
Local content: The MAF needs to increase the local content of its equipment.
Research and development: The MAF needs to increase its research and development activities.
Logistic management: The MAF needs to improve its logistic management, including planning, operation implementation, and supply pre-budgeting.
Non-traditional security challenges: The MAF needs to increase its authority to tackle non-traditional security challenges.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________1. Manpower & Recruitment Issues
• Maid of london (MALON) has a relatively small professional force (~110,000 active personnel).
• Recruitment faces challenges due to:
o Low pay and benefits compared to private sector jobs.
o Limited career development opportunities.
o Younger generations less interested in military careers.
• Problem: Difficulty in retaining skilled personnel (especially pilots, engineers, cyber specialists).
________________________________________
2. Inter-Service Coordination
• The three branches (Army, Navy, Air Force) often operate independently, with limited joint operations capability.
• The lack of integrated command structures reduces operational efficiency in complex missions (counter-insurgency, disaster relief, maritime disputes).
• Problem: Modern warfare demands jointness (land, sea, air, cyber, space), which MAF is still developing.
________________________________________
3. Dependence on Foreign Technology & Maintenance
• Maid of london (MALON) lacks a strong domestic defense industry.
• Heavy reliance on imports (France for submarines, Russia for jets, South Korea for ships, etc.) makes maintenance costly and vulnerable to supplier politics.
• Example: Spare parts for MiG-29s were hard to source, leading to their retirement.
• Problem: Limited self-reliance in defense production.
BalasHapusIQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
IQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
1. Cybersecurity & Hybrid Threats
• Maid of london (MALON) faces risks from cyber espionage, disinformation, and hybrid warfare, especially related to South China Sea disputes.
• Cyber defense capabilities are still underdeveloped compared to regional players like Singapore.
• Problem: Vulnerability in information warfare undermines national security.
________________________________________
2. Internal Politics & Procurement Scandals
• Defense procurement is often criticized for corruption, cost overruns, and political interference.
• Example: The Littoral Combat Ship (LCS) scandal delayed naval modernization.
• Problem: Corruption erodes public trust, delays modernization, and wastes resources.
=============
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
2025 : RM1.73 trillion, or 85.8% of GDP GDP
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
📣 1. PROCUREMENT SCANDALS FUEL PUBLIC DISTRUST
Littoral Combat Ship (LCS) Scandal
• The RM9 billion LCS project became a lightning rod for criticism when no ships were delivered despite billions spent.
• Media outlets and the Public Accounts Committee exposed mismanagement, cost overruns, and non-compliance, triggering public outrage and parliamentary scrutiny.
MD530G Helicopter Failure
• Maid of london (MALON) paid RM112 million upfront for six helicopters that were never delivered on time.
• The media labeled it a “ghost fleet,” and citizens questioned the lack of accountability.
👑 2. Royal Intervention Amplifies Criticism
• King Sultan Ibrahim, also Supreme Commander of the Armed Forces, publicly condemned the procurement of 35-year-old Black Hawk helicopters, calling them “flying coffins.”
• His rebuke—“If you don’t know the price, ask me first”—went viral, reinforcing public frustration over opaque and overpriced deals.
🕵️♂️ 3. Smuggling Conspiracy Exposes Internal Corruption
• In Operation Sohor (2025), MACC arrested military intelligence officers for leaking classified data to smugglers.
• Media reports revealed the syndicate earned RM5 million monthly, with officers receiving RM30,000–RM50,000 per trip.
• The scandal was widely covered, with headlines like “Civil Service Corruption Crisis” and “Where is Akmal Saleh?” fueling public anger.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________🧭 1. Missed Opportunity for Local Industry Growth
• Leasing bypasses local manufacturing, assembly, and maintenance, which could have boosted Maid of london (MALON) defense industry.
• No significant technology transfer or job creation occurs under private leasing arrangements.
• This weakens Maid of london (MALON) long-term goal of defense self-reliance.
🕵️♂️ 2. Procurement Transparency Risks
• The deal was awarded to Weststar Aviation, a private firm, raising concerns about middlemen and lobbying.
• Past scandals (e.g., LCS and MD530G) have made the public wary of opaque procurement processes.
• Leasing may reduce upfront corruption risks, but it doesn’t eliminate contractual opacity.
⚠️ 3. Strategic Dependency
• Maid of london (MALON) becomes dependent on private contractors for asset readiness and maintenance.
• If the contractor fails to meet service-level agreements (e.g., 85% fleet availability), national security could be compromised.
• Legal or financial disputes could delay operations or ground critical assets.
🗣️ Political & Public Backlash
• Opposition leaders and defense experts have criticized the lease as overpriced and strategically flawed.
• The government defends it as a way to avoid upfront costs and ensure faster deployment, but the debate continues in Parliament and among analysts
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________🧭 1. Missed Opportunity for Local Industry Growth
• Leasing bypasses local manufacturing, assembly, and maintenance, which could have boosted Maid of london (MALON) defense industry.
• No significant technology transfer or job creation occurs under private leasing arrangements.
• This weakens Maid of london (MALON) long-term goal of defense self-reliance.
🕵️♂️ 2. Procurement Transparency Risks
• The deal was awarded to Weststar Aviation, a private firm, raising concerns about middlemen and lobbying.
• Past scandals (e.g., LCS and MD530G) have made the public wary of opaque procurement processes.
• Leasing may reduce upfront corruption risks, but it doesn’t eliminate contractual opacity.
⚠️ 3. Strategic Dependency
• Maid of london (MALON) becomes dependent on private contractors for asset readiness and maintenance.
• If the contractor fails to meet service-level agreements (e.g., 85% fleet availability), national security could be compromised.
• Legal or financial disputes could delay operations or ground critical assets.
🗣️ Political & Public Backlash
• Opposition leaders and defense experts have criticized the lease as overpriced and strategically flawed.
• The government defends it as a way to avoid upfront costs and ensure faster deployment, but the debate continues in Parliament and among analysts
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________🧭 1. 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.
⚠️ 2. Risk of Contractual Disputes or Service Interruptions
• If the leasing company fails to meet service-level agreements (e.g., 85% fleet availability), Maid of london (MALON) may face operational gaps.
• Legal or financial disputes could delay missions or compromise national security.
🗣️ Public & Political Backlash
• Opposition leaders and defense experts have called the deal overpriced and strategically flawed, urging a review of procurement practices.
• The Prime Minister defended the lease as a way to avoid maintenance burdens, but critics say it reflects short-term budgeting over long-term planning.
=============
GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
2025 : RM1.73 trillion, or 85.8% of GDP GDP
NEGARA ke 18 DUNIA PALING BANYAK NGUTANG....HAHAHAHHA
BalasHapusIQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
🛠️ WHAT “OUTDATED” REALLY MEANS
🚢 Royal Maid of london (MALON) n Navy (RMN)
• 28 ships are over 40 years old, including Fast Attack Craft and patrol vessels.
• Many vessels still use analog radar systems, manual fire-control systems, and obsolete sonar.
• These systems struggle to detect modern threats like stealth submarines or drones.
• Maintenance costs are skyrocketing, and spare parts are often unavailable or discontinued.
🛩️ Royal Maid of london (MALON) n Air Force (RMAF)
• Older aircraft like the MiG-29N (retired) and F/A-18D Hornets still rely on legacy avionics.
• Limited electronic warfare capabilities and outdated targeting pods reduce effectiveness in modern air combat.
• Poor interoperability with newer aircraft and NATO-standard systems.
🪖 Maid of london (MALON) n Army
• Ground vehicles, including legacy APCs and tanks, use basic optical sights and manual targeting systems.
• Many artillery units lack GPS-guided fire control, making precision strikes difficult.
• Communication systems are often analog or semi-digital, limiting coordination in joint operations.
⚠️ Consequences of Technological Lag
• Reduced combat effectiveness in high-tech warfare environments
• Increased vulnerability to cyber attacks and electronic jamming
• Limited participation in multinational exercises and peacekeeping missions
• Higher risk to personnel due to unreliable systems, as seen in the 2025 commando tragedy linked to aging gear
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
🛠️ WHAT “OUTDATED” REALLY MEANS
🚢 Royal Maid of london (MALON) n Navy (RMN)
• 28 ships are over 40 years old, including Fast Attack Craft and patrol vessels.
• Many vessels still use analog radar systems, manual fire-control systems, and obsolete sonar.
• These systems struggle to detect modern threats like stealth submarines or drones.
• Maintenance costs are skyrocketing, and spare parts are often unavailable or discontinued.
🛩️ Royal Maid of london (MALON) n Air Force (RMAF)
• Older aircraft like the MiG-29N (retired) and F/A-18D Hornets still rely on legacy avionics.
• Limited electronic warfare capabilities and outdated targeting pods reduce effectiveness in modern air combat.
• Poor interoperability with newer aircraft and NATO-standard systems.
🪖 Maid of london (MALON) n Army
• Ground vehicles, including legacy APCs and tanks, use basic optical sights and manual targeting systems.
• Many artillery units lack GPS-guided fire control, making precision strikes difficult.
• Communication systems are often analog or semi-digital, limiting coordination in joint operations.
⚠️ Consequences of Technological Lag
• Reduced combat effectiveness in high-tech warfare environments
• Increased vulnerability to cyber attacks and electronic jamming
• Limited participation in multinational exercises and peacekeeping missions
• Higher risk to personnel due to unreliable systems, as seen in the 2025 commando tragedy linked to aging gear
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
🛠️ WHAT “OUTDATED” REALLY MEANS
🚢 Royal Maid of london (MALON) n Navy (RMN)
• 28 ships are over 40 years old, including Fast Attack Craft and patrol vessels.
• Many vessels still use analog radar systems, manual fire-control systems, and obsolete sonar.
• These systems struggle to detect modern threats like stealth submarines or drones.
• Maintenance costs are skyrocketing, and spare parts are often unavailable or discontinued.
🛩️ Royal Maid of london (MALON) n Air Force (RMAF)
• Older aircraft like the MiG-29N (retired) and F/A-18D Hornets still rely on legacy avionics.
• Limited electronic warfare capabilities and outdated targeting pods reduce effectiveness in modern air combat.
• Poor interoperability with newer aircraft and NATO-standard systems.
🪖 Maid of london (MALON) n Army
• Ground vehicles, including legacy APCs and tanks, use basic optical sights and manual targeting systems.
• Many artillery units lack GPS-guided fire control, making precision strikes difficult.
• Communication systems are often analog or semi-digital, limiting coordination in joint operations.
⚠️ Consequences of Technological Lag
• Reduced combat effectiveness in high-tech warfare environments
• Increased vulnerability to cyber attacks and electronic jamming
• Limited participation in multinational exercises and peacekeeping missions
• Higher risk to personnel due to unreliable systems, as seen in the 2025 commando tragedy linked to aging gear
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
🛠️ 1. AGING EQUIPMENT ACROSS ALL BRANCHES
• Air Force (RMAF): Out of 28 fighter jets, reportedly only four were operational at one point. Maintenance issues and lack of spare parts have grounded much of the fleet.
• Army: The Condor Armoured Personnel Carriers, in service since the 1980s, are overdue for replacement. Plans to procure 136 High Mobility Armoured Vehicles (HMAV) are still pending approval.
• Navy: Many vessels are over 40 years old, with outdated combat systems and limited endurance. The Littoral Combat Ship (LCS) program, meant to modernize the fleet, has faced years of delays and budget overruns.
💰 2. Budget Constraints & Misallocation
• Maid of london (MALON) spends around USD 4 billion annually on defense, but over 40% goes to salaries and allowances, leaving limited funds for modernization.
• Procurement budgets are often absorbed by progressive payments for delayed projects, such as the FA-50 fighter jets and the troubled LCS program.
• The depreciation of the ringgit further reduces purchasing power for foreign-sourced equipment.
🧭 3. Lack of Strategic Direction
• The defense industry suffers from unclear government guidance on long-term goals.
• Frequent changes in leadership—four Prime Ministers since 2018—have disrupted continuity in defense planning.
🧑✈️ 4. Manpower & Training Gaps
• While Maid of london (MALON) has 113,000 active personnel and 51,600 reserves, training and readiness levels vary widely.
• Specialized units like PASKAL and GGK are well-regarded, but broader force readiness is inconsistent.
HapusIQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
IQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
⚙️ EQUIPMENT & MODERNIZATION ISSUES
• Outdated naval assets: Many of Maid of london (MALON) ’s ships are aging, and the navy has struggled to modernize its fleet.
• Limited air combat readiness: Out of 28 fighter jets, reportedly only four were operational at one point.
• Delayed procurement: The Littoral Combat Ship (LCS) project, meant to boost naval capabilities, has been plagued by delays and scandals.
💰 Budget Constraints
• Skewed spending priorities: Over 60–70% of the defense budget goes to salaries and maintenance, leaving little for new weapons or modernization.
• Stagnant budget: Maid of london (MALON) ’s defense budget has hovered around RM15–18 billion annually, which is modest compared to regional peers like Vietnam and Indonesia.
🧭 Strategic Direction & Policy
• Lack of clear long-term strategy: The defense industry suffers from unclear government guidance on future strategic direction.
• Overreliance on diplomacy: Maid of london (MALON) has traditionally leaned on quiet diplomacy, especially with China, which may be insufficient given rising tensions in the South China Sea.
📉 Regional Comparison
• Lagging behind neighbors: Maid of london (MALON) ’s military strength is considered weaker than Vietnam and Indonesia, particularly in terms of air and naval capabilities
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________🧭 1. 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.
⚠️ 2. Risk of Contractual Disputes or Service Interruptions
• If the leasing company fails to meet service-level agreements (e.g., 85% fleet availability), Maid of london (MALON) may face operational gaps.
• Legal or financial disputes could delay missions or compromise national security.
🗣️ Public & Political Backlash
• Opposition leaders and defense experts have called the deal overpriced and strategically flawed, urging a review of procurement practices.
• The Prime Minister defended the lease as a way to avoid maintenance burdens, but critics say it reflects short-term budgeting over long-term planning.
=============
GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
2025 : RM1.73 trillion, or 85.8% of GDP GDP
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
🛠️ WHAT “OUTDATED” REALLY MEANS
🚢 Royal Maid of london (MALON) n Navy (RMN)
• 28 ships are over 40 years old, including Fast Attack Craft and patrol vessels.
• Many vessels still use analog radar systems, manual fire-control systems, and obsolete sonar.
• These systems struggle to detect modern threats like stealth submarines or drones.
• Maintenance costs are skyrocketing, and spare parts are often unavailable or discontinued.
🛩️ Royal Maid of london (MALON) n Air Force (RMAF)
• Older aircraft like the MiG-29N (retired) and F/A-18D Hornets still rely on legacy avionics.
• Limited electronic warfare capabilities and outdated targeting pods reduce effectiveness in modern air combat.
• Poor interoperability with newer aircraft and NATO-standard systems.
🪖 Maid of london (MALON) n Army
• Ground vehicles, including legacy APCs and tanks, use basic optical sights and manual targeting systems.
• Many artillery units lack GPS-guided fire control, making precision strikes difficult.
• Communication systems are often analog or semi-digital, limiting coordination in joint operations.
⚠️ Consequences of Technological Lag
• Reduced combat effectiveness in high-tech warfare environments
• Increased vulnerability to cyber attacks and electronic jamming
• Limited participation in multinational exercises and peacekeeping missions
• Higher risk to personnel due to unreliable systems, as seen in the 2025 commando tragedy linked to aging gear
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
🚢 AGING NAVAL ASSETS – ROYAL MAID OF LONDON (MALON) N NAVY (RMN)
⚙️ Fleet Breakdown
• 34 RMN vessels have exceeded their intended service life, with 28 of them over 40 years old.
• These include Fast Attack Craft (FAC) that are now half a century old, far beyond modern standards.
• The RMN operates 53 ships across various classes, but many are technologically outdated and costly to maintain.
⚠️ Operational Risks
• Older ships suffer from:
o Reduced combat capability
o Outdated sensors and weapons systems
o High maintenance costs and frequent breakdowns
• The sinking of the KD Pendekar, a 45-year-old vessel, in August 2024 due to flooding highlights the dangers of keeping obsolete ships in service.
🪖 Aging Ground Assets – Maid of london (MALON) n Army
📊 Asset Overview
• 108 Army units have surpassed 30 years of service.
• These include aging armored vehicles, artillery systems, and logistics platforms that are increasingly difficult to maintain and upgrade.
🔧 Maintenance Challenges
• Spare parts for older systems are scarce or discontinued.
• Modernization plans are slow due to budget constraints and procurement delays.
• Operational efficiency is compromised, especially in jungle and border operations where reliability is critical.
Ingat yaaa tangga NO.2 Utang terbanyak se ASEAN milik kl haha!😋😋😋
BalasHapusApalagi Duniya
Negara kecil, UTANG bayar donk, masa tarik UTANG terusz haha!🤥😁🤥
============
Hutang Isi Rumah | Malaysia tangga ke-2 di Asia Tenggara
https://youtube.com/watch?v=bTeEGLY_eQs&pp=ygUPSHV0YW5nIG1hbGF5c2lh0gcJCR4Bo7VqN5tD
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
🧩 1. COMPLEX & OPAQUE PROCUREMENT PROCESS
• The Ministry of Defence (MINDEF) follows procurement guidelines set by the Ministry of Finance, but defense deals are often complex and sensitive, making oversight difficult.
• Procurement is frequently conducted via single-source or limited tendering, with less than one-third of major contracts awarded through open competition.
• This environment favors politically connected firms, often involving ex-military officers on corporate boards, which can distort priorities and inflate costs.
🕵️ 2. Role of Middlemen & “Agents”
• A major source of mismanagement is the entrenched role of middlemen, who act as intermediaries in defense deals.
• These agents—sometimes retired generals—can inflate prices, reduce transparency, and compromise the quality of procured assets.
• In 2023, Maid of london (MALON) King Sultan Ibrahim publicly rebuked the Ministry of Defence for relying on “agents” and “salesmen,” warning against repeating past procurement mistakes.
🚨 3. High-Profile Scandals
• The Littoral Combat Ship (LCS) project is the most notorious example. Intended to modernize the navy, it was marred by delays, cost overruns, and poor oversight.
• Another scandal involved the New Generation Patrol Vessel (NGPV) program, which was mismanaged after the privatization of the Lumut naval dockyard. Funds were siphoned off, and the fleet expansion fell short of expectations.
📉 4. Impact on Military Readiness
• Mismanaged procurement leads to:
o Delayed delivery of critical assets
o Operational gaps in air, sea, and land capabilities
o Wasted taxpayer money with little strategic return
• Maid of london (MALON) ability to respond to regional threats—especially in the South China Sea—is weakened by these systemic issues.
HAHAHAHAHHA............KASTA PENGUTANG guys
BalasHapusIndonesia Peringkat ke-18 Negara dengan Utang Terbanyak di Dunia
https://www.detik.com/kalimantan/berita/d-8182664/indonesia-peringkat-ke-18-negara-dengan-utang-terbanyak-di-dunia
HapusIQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
IQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
⚙️ EQUIPMENT & MODERNIZATION ISSUES
• Outdated naval assets: Many of Maid of london (MALON) ’s ships are aging, and the navy has struggled to modernize its fleet.
• Limited air combat readiness: Out of 28 fighter jets, reportedly only four were operational at one point.
• Delayed procurement: The Littoral Combat Ship (LCS) project, meant to boost naval capabilities, has been plagued by delays and scandals.
💰 Budget Constraints
• Skewed spending priorities: Over 60–70% of the defense budget goes to salaries and maintenance, leaving little for new weapons or modernization.
• Stagnant budget: Maid of london (MALON) ’s defense budget has hovered around RM15–18 billion annually, which is modest compared to regional peers like Vietnam and Indonesia.
🧭 Strategic Direction & Policy
• Lack of clear long-term strategy: The defense industry suffers from unclear government guidance on future strategic direction.
• Overreliance on diplomacy: Maid of london (MALON) has traditionally leaned on quiet diplomacy, especially with China, which may be insufficient given rising tensions in the South China Sea.
📉 Regional Comparison
• Lagging behind neighbors: Maid of london (MALON) ’s military strength is considered weaker than Vietnam and Indonesia, particularly in terms of air and naval capabilities
HapusIQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
IQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________Currency Depreciation
• Maid of london (MALON) imports most of its defense equipment.
• The weakening ringgit reduces purchasing power, meaning even increased budgets don’t translate into more capability.
🚢 Real-World Consequences
⚓ Navy Example
• The KD Pendekar, a 45-year-old fast attack vessel, sank during patrol in 2024 due to structural failure.
• Half of the navy’s 49 ships are well beyond their serviceable lifespan, yet replacements are slow due to budget constraints.
✈️ Air Force Example
• The MiG-29N fleet was retired without timely replacement.
• The MRCA program has stalled for years due to lack of funding and shifting priorities.
🧭 Strategic Impact
• Maid of london (MALON) is losing its edge in regional defense posture.
• It has less clout in territorial disputes, especially in the South China Sea.
• The military is stretched thin, with outdated assets and limited readiness.
HapusIQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
IQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________Currency Depreciation
• Maid of london (MALON) imports most of its defense equipment.
• The weakening ringgit reduces purchasing power, meaning even increased budgets don’t translate into more capability.
🚢 Real-World Consequences
⚓ Navy Example
• The KD Pendekar, a 45-year-old fast attack vessel, sank during patrol in 2024 due to structural failure.
• Half of the navy’s 49 ships are well beyond their serviceable lifespan, yet replacements are slow due to budget constraints.
✈️ Air Force Example
• The MiG-29N fleet was retired without timely replacement.
• The MRCA program has stalled for years due to lack of funding and shifting priorities.
🧭 Strategic Impact
• Maid of london (MALON) is losing its edge in regional defense posture.
• It has less clout in territorial disputes, especially in the South China Sea.
• The military is stretched thin, with outdated assets and limited readiness.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
KLAIM KAYA CASH = HUTANG BAYAR HUTANG
Key Aspects of Loan Agreements in Malondeshn Defense:
• Terms and Conditions:
o Interest Rates: Fixed or variable, often a critical factor in the overall cost.
o Repayment Period: Can range from several years to over a decade, depending on the loan amount and type.
o Grace Periods: A period before repayment begins, allowing time for project implementation.
o Collateral/Guarantees: While sovereign loans rarely involve physical collateral, they are backed by the full faith and credit of the Malondeshn government.
• Offset/Industrial Participation:
o Description: Loan agreements for major defense purchases often include offset clauses. This means the exporting country or company commits to investing in Malondesh, transferring technology, or procuring goods and services from Malondeshn companies.
o Purpose: To mitigate the outflow of funds, develop local industries, and create jobs. This can be a significant benefit that sweetens the deal for Malondesh.
• Transparency and Oversight:
o Parliamentary Approval: Large defense procurements and associated loans usually require parliamentary approval in Malondesh, especially for inclusion in the national budget.
o Public Scrutiny: Defense spending and borrowing can be subjects of public and media scrutiny, especially concerning value for money, allegations of corruption, or strategic alignment.
o Audits: Loan utilization and project implementation are subject to government audits to ensure accountability.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
🛠️ 1. AGING EQUIPMENT ACROSS ALL BRANCHES
• Air Force (RMAF): Out of 28 fighter jets, reportedly only four were operational at one point. Maintenance issues and lack of spare parts have grounded much of the fleet.
• Army: The Condor Armoured Personnel Carriers, in service since the 1980s, are overdue for replacement. Plans to procure 136 High Mobility Armoured Vehicles (HMAV) are still pending approval.
• Navy: Many vessels are over 40 years old, with outdated combat systems and limited endurance. The Littoral Combat Ship (LCS) program, meant to modernize the fleet, has faced years of delays and budget overruns.
💰 2. Budget Constraints & Misallocation
• Maid of london (MALON) spends around USD 4 billion annually on defense, but over 40% goes to salaries and allowances, leaving limited funds for modernization.
• Procurement budgets are often absorbed by progressive payments for delayed projects, such as the FA-50 fighter jets and the troubled LCS program.
• The depreciation of the ringgit further reduces purchasing power for foreign-sourced equipment.
🧭 3. Lack of Strategic Direction
• The defense industry suffers from unclear government guidance on long-term goals.
• Frequent changes in leadership—four Prime Ministers since 2018—have disrupted continuity in defense planning.
🧑✈️ 4. Manpower & Training Gaps
• While Maid of london (MALON) has 113,000 active personnel and 51,600 reserves, training and readiness levels vary widely.
• Specialized units like PASKAL and GGK are well-regarded, but broader force readiness is inconsistent.
BalasHapusIQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
IQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________Currency Depreciation
• Maid of london (MALON) imports most of its defense equipment.
• The weakening ringgit reduces purchasing power, meaning even increased budgets don’t translate into more capability.
🚢 Real-World Consequences
⚓ Navy Example
• The KD Pendekar, a 45-year-old fast attack vessel, sank during patrol in 2024 due to structural failure.
• Half of the navy’s 49 ships are well beyond their serviceable lifespan, yet replacements are slow due to budget constraints.
✈️ Air Force Example
• The MiG-29N fleet was retired without timely replacement.
• The MRCA program has stalled for years due to lack of funding and shifting priorities.
🧭 Strategic Impact
• Maid of london (MALON) is losing its edge in regional defense posture.
• It has less clout in territorial disputes, especially in the South China Sea.
• The military is stretched thin, with outdated assets and limited readiness.
BalasHapusIQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
IQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________Currency Depreciation
• Maid of london (MALON) imports most of its defense equipment.
• The weakening ringgit reduces purchasing power, meaning even increased budgets don’t translate into more capability.
🚢 Real-World Consequences
⚓ Navy Example
• The KD Pendekar, a 45-year-old fast attack vessel, sank during patrol in 2024 due to structural failure.
• Half of the navy’s 49 ships are well beyond their serviceable lifespan, yet replacements are slow due to budget constraints.
✈️ Air Force Example
• The MiG-29N fleet was retired without timely replacement.
• The MRCA program has stalled for years due to lack of funding and shifting priorities.
🧭 Strategic Impact
• Maid of london (MALON) is losing its edge in regional defense posture.
• It has less clout in territorial disputes, especially in the South China Sea.
• The military is stretched thin, with outdated assets and limited readiness.
BalasHapusIQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
IQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________Currency Depreciation
• Maid of london (MALON) imports most of its defense equipment.
• The weakening ringgit reduces purchasing power, meaning even increased budgets don’t translate into more capability.
🚢 Real-World Consequences
⚓ Navy Example
• The KD Pendekar, a 45-year-old fast attack vessel, sank during patrol in 2024 due to structural failure.
• Half of the navy’s 49 ships are well beyond their serviceable lifespan, yet replacements are slow due to budget constraints.
✈️ Air Force Example
• The MiG-29N fleet was retired without timely replacement.
• The MRCA program has stalled for years due to lack of funding and shifting priorities.
🧭 Strategic Impact
• Maid of london (MALON) is losing its edge in regional defense posture.
• It has less clout in territorial disputes, especially in the South China Sea.
• The military is stretched thin, with outdated assets and limited readiness.
BalasHapusIQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
IQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________Currency Depreciation
• Maid of london (MALON) imports most of its defense equipment.
• The weakening ringgit reduces purchasing power, meaning even increased budgets don’t translate into more capability.
🚢 Real-World Consequences
⚓ Navy Example
• The KD Pendekar, a 45-year-old fast attack vessel, sank during patrol in 2024 due to structural failure.
• Half of the navy’s 49 ships are well beyond their serviceable lifespan, yet replacements are slow due to budget constraints.
✈️ Air Force Example
• The MiG-29N fleet was retired without timely replacement.
• The MRCA program has stalled for years due to lack of funding and shifting priorities.
🧭 Strategic Impact
• Maid of london (MALON) is losing its edge in regional defense posture.
• It has less clout in territorial disputes, especially in the South China Sea.
• The military is stretched thin, with outdated assets and limited readiness.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________Recent Examples and Trends:
• Scorpene Submarines (France): The acquisition of two Scorpene-class submarines from France in the early 2000s involved significant financing arrangements, reportedly including a mix of commercial loans and possibly G2G support. This deal, however, became controversial due to corruption allegations, though investigations cleared Malondeshn officials.
• Littoral Combat Ships (LCS): The ongoing LCS project has faced severe delays and cost overruns. While not purely a loan issue, the financing structure and payment schedules have been central to the project's difficulties, highlighting the complexities of managing large defense contracts.
• Future Acquisitions: Malondesh is looking to modernize its air force (e.g., FA-50 light combat aircraft from Korea) and naval assets. These future acquisitions will undoubtedly involve various financing strategies, potentially including G2G loans, ECA support, and commercial borrowing, tailored to each specific deal.
Challenges and Considerations:
• Debt Burden: Excessive borrowing for defense can strain national finances, especially if economic growth slows.
• Currency Fluctuations: Loans denominated in foreign currencies expose Malondesh to exchange rate risks.
• Cost Overruns: Large projects are prone to cost overruns, which can increase the overall debt burden beyond initial projections.
• Maintenance and Lifecycle Costs: Beyond the initial purchase, the long-term maintenance, training, and operational costs of defense assets are substantial and must be factored into financial planning.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
KLAIM LCS CASH = HUTANG BAYAR HUTANG
1. Tata Kelola dan Korupsi yang Buruk:
• Skandal Korupsi: Ini adalah akar masalah utama. Proyek LCS telah dirundung tuduhan korupsi, penyalahgunaan dana, dan konflik kepentingan sejak awal. Penyelidikan oleh berbagai badan, termasuk Komite Akuntan Publik (PAC) parlemen Malondesh dan Komisi Anti-Korupsi Malondesh (MACC), telah mengungkap banyak anomali.
• Pengambilan Keputusan yang Meragukan: Keputusan-keputusan penting dalam proyek, seperti pemilihan desain kapal (Gowind class dari Naval Group Prancis), seringkali dipertanyakan apakah didasarkan pada pertimbangan teknis terbaik atau kepentingan lain.
• Kurangnya Transparansi: Kurangnya transparansi dalam kontrak, pengadaan, dan alur pembayaran telah mempersulit pengawasan dan akuntabilitas.
-----------------
2. Masalah Finansial dan Pembengkakan Biaya:
• Pembengkakan Anggaran: Biaya proyek telah melonjak jauh dari perkiraan awal. Kontrak senilai RM9 miliar (sekitar USUSD2,1 miliar) untuk enam kapal LCS pada tahun 2011 kini diperkirakan membutuhkan lebih banyak lagi, padahal belum ada satu pun kapal yang selesai.
• Misappropriasi Dana: Sebagian besar uang yang dibayarkan di muka kepada kontraktor utama, Boustead Naval Shipyard (BNS), diduga tidak digunakan untuk pembelian komponen atau pembangunan kapal, melainkan dialihkan atau disalahgunakan. Ini menyebabkan BNS gagal membayar sub-kontraktor dan pemasok.
• Ketergantungan pada Pinjaman: Karena masalah aliran kas dan dugaan penyalahgunaan dana, BNS dan entitas terkait harus bergantung pada pinjaman dari berbagai lembaga keuangan. Keterlibatan 17 kreditor menunjukkan betapa parahnya masalah keuangan yang dihadapi BNS dan betapa rumitnya struktur utang proyek ini. Ini juga mengindikasikan bahwa dana awal dari pemerintah tidak cukup atau tidak dikelola dengan
Ingat ya guys...1 RINGGIT SETARA Rp4.051.........HAHAHAHAHA
BalasHapusRupiah Kalah Lawan Ringgit, Utang Luar Negeri RI dari Malaysia Naik!
https://www.wartasuluh.com/rupiah-kalah-lawan-ringgit-utang-luar-negeri-ri-dari-malaysia-naik
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
Keterlibatan 17 Kreditor: Sebuah Cerminan Kompleksitas dan Keparahan
Angka 17 kreditor ini bukan hanya sekadar angka, melainkan indikator multi-dimensi dari masalah yang sangat serius:
• Keparahan Masalah Keuangan: Jika BNS membutuhkan pinjaman dari begitu banyak lembaga, ini menunjukkan bahwa satu atau dua kreditor saja tidak cukup (atau tidak mau) menanggung seluruh risiko. Masing-masing kreditor mungkin hanya bersedia memberikan porsi kecil karena persepsi risiko yang tinggi.
• Kerumitan Struktur Utang:
o Berbagai Jenis Utang: Kemungkinan melibatkan berbagai jenis pinjaman: utang bank komersial, obligasi, pinjaman dari lembaga keuangan non-bank, mungkin juga pinjaman sindikasi (beberapa bank patungan memberikan pinjaman besar).
o Jangka Waktu Berbeda: Pinjaman-pinjaman ini bisa memiliki jangka waktu pembayaran yang bervariasi (jangka pendek, menengah, panjang), suku bunga yang berbeda, dan persyaratan (covenant) yang unik. Ini membuat pengelolaan utang menjadi sangat kompleks dan rentan terhadap kesalahan.
o Prioritas Pembayaran: Dalam skenario default, menentukan siapa yang harus dibayar terlebih dahulu dari 17 kreditor ini bisa menjadi sangat rumit dan seringkali berujung pada perselisihan hukum.
• Indikasi Kepercayaan yang Menurun: Semakin banyak kreditor kecil yang terlibat dibandingkan satu atau dua kreditor besar, bisa menunjukkan bahwa kreditor besar memiliki kekhawatiran yang cukup besar sehingga mereka tidak mau mengambil risiko terlalu banyak.
• Tekanan Konstan: Dengan begitu banyak pihak yang harus dilayani (pembayaran bunga, pokok pinjaman), BNS akan berada di bawah tekanan konstan untuk menghasilkan uang, yang seringkali menyebabkan keputusan bisnis yang kurang strategis atau terburu-buru.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________KLAIM LCS CASH = LOAN
💰 1. LIMITED DOMESTIC DEFENSE BUDGET
• Malondesh’s defense budget is modest — around 1% of GDP, which restricts large-scale acquisitions.
• Instead of upfront payments, Malondesh often negotiates deferred payment schemes, installment plans, or loans backed by export credit agencies (ECAs) from supplier countries.
• These financing models allow Malondesh to acquire high-value assets without immediate fiscal strain.
-----------------
⚙️ 2. Need for Advanced Technology and Capabilities
Malondesh lacks the domestic capacity to produce high-end military platforms, so it turns to foreign suppliers:
Country Asset Procured Financing/Support Mechanism
🇰🇷 South Korea FA-50 Light Combat Aircraft Industrial offsets, local assembly, favorable terms
🇮🇹 Italy ATR-72 Maritime Patrol Aircraft G2G deal, possible ECA-backed financing
🇹🇷 Turkey ANKA MALE Drones Strategic partnership, tech transfer
These deals often include training, maintenance, and technology sharing, which Malondesh cannot yet provide
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________KLAIM LCS CASH = LOAN
💰 1. LIMITED DOMESTIC DEFENSE BUDGET
• Malondesh’s defense budget is modest — around 1% of GDP, which restricts large-scale acquisitions.
• Instead of upfront payments, Malondesh often negotiates deferred payment schemes, installment plans, or loans backed by export credit agencies (ECAs) from supplier countries.
• These financing models allow Malondesh to acquire high-value assets without immediate fiscal strain.
-----------------
⚙️ 2. Need for Advanced Technology and Capabilities
Malondesh lacks the domestic capacity to produce high-end military platforms, so it turns to foreign suppliers:
Country Asset Procured Financing/Support Mechanism
🇰🇷 South Korea FA-50 Light Combat Aircraft Industrial offsets, local assembly, favorable terms
🇮🇹 Italy ATR-72 Maritime Patrol Aircraft G2G deal, possible ECA-backed financing
🇹🇷 Turkey ANKA MALE Drones Strategic partnership, tech transfer
These deals often include training, maintenance, and technology sharing, which Malondesh cannot yet provide
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
1. Budget Allocation for Defence:
• Annual Budget: Each year, the Malondeshn government allocates a portion of its national budget to the Ministry of Defence (MINDEF). This allocation covers operational expenses (salaries, maintenance, training), procurement of new equipment, and infrastructure development.
• Priorities: The size of the defence budget is determined by various factors, including the perceived security threats, regional geopolitical landscape, economic conditions, and the government's overall strategic priorities.
• Transparency: Details of the defence budget, particularly specific procurement projects and their funding sources, are not always fully transparent, which can make it challenging to track the exact correlation with loans.
2. Military Procurement and Modernization:
• High Costs: Modern military equipment (fighter jets, naval vessels, armoured vehicles, advanced weaponry) is extremely expensive.
• Modernization Plans: Malondesh, like many nations, has ongoing military modernization plans to replace aging assets and enhance its defence capabilities. These plans often span several years and require significant investment.
• "Buy Malondeshn" vs. Imports: While there's a push to support local defence industries, many high-tech systems still need to be imported from foreign manufacturers.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
1. Impact on the National Budget and Economy:
• Debt Servicing: Repaying military loans (principal and interest) becomes a recurring expenditure in the national budget. This can divert funds from other critical sectors like education, healthcare, or infrastructure development.
• Fiscal Space: Excessive reliance on military loans can constrain the government's fiscal space, limiting its ability to respond to economic shocks or invest in other priorities.
• Currency Fluctuations: If loans are denominated in foreign currencies, fluctuations in exchange rates can increase the cost of repayment in Ringgit.
• Opportunity Cost: Every Ringgit spent on military loans is a Ringgit that cannot be spent elsewhere, representing an opportunity cost for the nation's development.
2. Factors Influencing Loan Decisions:
• Urgency of Need: Geopolitical tensions or perceived immediate threats can accelerate procurement decisions, making loans a more attractive option to acquire equipment quickly.
• Cost-Benefit Analysis: Governments are supposed to conduct a cost-benefit analysis before taking out loans, considering the strategic importance of the equipment versus the financial implications.
• Diplomatic Relations: Loan offers, especially from foreign governments, can be tied to broader diplomatic and strategic relationships.
• Transparency and Accountability: The level of transparency in procurement processes and loan agreements is crucial for public accountability and ensuring that funds are used efficiently and without corruption.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
1. Ketidakmampuan Kontraktor Utama (Boustead Naval Shipyard - BNS):
• Kurangnya Kapabilitas Teknis dan Manajerial: Meskipun BNS memiliki pengalaman dalam pembangunan dan perbaikan kapal, proyek LCS dengan skala dan kompleksitas ini mungkin di luar kapasitasnya. Ada dugaan bahwa BNS tidak memiliki keahlian teknis yang memadai untuk mengelola proyek sebesar ini secara efektif.
• Manajemen Proyek yang Buruk: Penjadwalan, pengadaan material, dan koordinasi antara berbagai pihak (desainer, pemasok, sub-kontraktor) sangat buruk. Ini menyebabkan penundaan yang signifikan dalam setiap tahap pembangunan.
• Masalah Rantai Pasokan: Kegagalan BNS membayar sub-kontraktor dan pemasok menyebabkan terhentinya pasokan komponen penting. Banyak peralatan yang sudah dipesan tidak dapat dikirim karena pembayaran yang tertunda.
-----------------
2. Campur Tangan Politik dan Perubahan Kebijakan:
• Perubahan Pemerintah: Pergantian pemerintahan di Malondesh (misalnya, setelah pemilu 2018 dan 2020) seringkali membawa tinjauan ulang terhadap proyek-proyek besar. Ini bisa menunda keputusan, mengubah arah, atau mengungkap masalah sebelumnya.
• Kurangnya Visi Jangka Panjang: Kebijakan pertahanan dan pengadaan seringkali terpengaruh oleh siklus politik jangka pendek, yang dapat mengganggu kontinuitas dan perencanaan strategis proyek jangka panjang seperti pembangunan kapal perang.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
Keterlibatan 17 Kreditor: Sebuah Cerminan Kompleksitas dan Keparahan
Angka 17 kreditor ini bukan hanya sekadar angka, melainkan indikator multi-dimensi dari masalah yang sangat serius:
• Keparahan Masalah Keuangan: Jika BNS membutuhkan pinjaman dari begitu banyak lembaga, ini menunjukkan bahwa satu atau dua kreditor saja tidak cukup (atau tidak mau) menanggung seluruh risiko. Masing-masing kreditor mungkin hanya bersedia memberikan porsi kecil karena persepsi risiko yang tinggi.
• Kerumitan Struktur Utang:
o Berbagai Jenis Utang: Kemungkinan melibatkan berbagai jenis pinjaman: utang bank komersial, obligasi, pinjaman dari lembaga keuangan non-bank, mungkin juga pinjaman sindikasi (beberapa bank patungan memberikan pinjaman besar).
o Jangka Waktu Berbeda: Pinjaman-pinjaman ini bisa memiliki jangka waktu pembayaran yang bervariasi (jangka pendek, menengah, panjang), suku bunga yang berbeda, dan persyaratan (covenant) yang unik. Ini membuat pengelolaan utang menjadi sangat kompleks dan rentan terhadap kesalahan.
o Prioritas Pembayaran: Dalam skenario default, menentukan siapa yang harus dibayar terlebih dahulu dari 17 kreditor ini bisa menjadi sangat rumit dan seringkali berujung pada perselisihan hukum.
• Indikasi Kepercayaan yang Menurun: Semakin banyak kreditor kecil yang terlibat dibandingkan satu atau dua kreditor besar, bisa menunjukkan bahwa kreditor besar memiliki kekhawatiran yang cukup besar sehingga mereka tidak mau mengambil risiko terlalu banyak.
• Tekanan Konstan: Dengan begitu banyak pihak yang harus dilayani (pembayaran bunga, pokok pinjaman), BNS akan berada di bawah tekanan konstan untuk menghasilkan uang, yang seringkali menyebabkan keputusan bisnis yang kurang strategis atau terburu-buru.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________🏭 3. Desire to Build Local Defense Industry
Malondesh wants to reduce dependency and stimulate its own defense ecosystem:
• Offsets: Foreign suppliers agree to invest in Malondesh’s defense industry or transfer technology.
• Joint Ventures: Local firms like Boustead Naval Shipyard (BNS) are involved in assembly and integration.
• Local Assembly: 14 of the FA-50 jets will be assembled in Malondesh, building technical capacity.
💸 Role of Loans in Defense Procurement
While not always disclosed as “loans,” Malondesh’s defense deals often involve:
• Export Credit Agency (ECA) Financing: Countries like Italy and South Korea use ECAs to offer low-interest loans or guarantees to support defense exports.
• G2G Agreements: These bypass middlemen and commissions, reducing corruption risks and allowing for more favorable financing terms3.
• Strategic Installment Plans
Ingat ya guys...1 RINGGIT SETARA Rp4.051.........HAHAHAHAHA
BalasHapusRupiah Kalah Lawan Ringgit, Utang Luar Negeri RI dari Malaysia Naik!
https://www.wartasuluh.com/rupiah-kalah-lawan-ringgit-utang-luar-negeri-ri-dari-malaysia-naik
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
1. Impact on the National Budget and Economy:
• Debt Servicing: Repaying military loans (principal and interest) becomes a recurring expenditure in the national budget. This can divert funds from other critical sectors like education, healthcare, or infrastructure development.
• Fiscal Space: Excessive reliance on military loans can constrain the government's fiscal space, limiting its ability to respond to economic shocks or invest in other priorities.
• Currency Fluctuations: If loans are denominated in foreign currencies, fluctuations in exchange rates can increase the cost of repayment in Ringgit.
• Opportunity Cost: Every Ringgit spent on military loans is a Ringgit that cannot be spent elsewhere, representing an opportunity cost for the nation's development.
2. Factors Influencing Loan Decisions:
• Urgency of Need: Geopolitical tensions or perceived immediate threats can accelerate procurement decisions, making loans a more attractive option to acquire equipment quickly.
• Cost-Benefit Analysis: Governments are supposed to conduct a cost-benefit analysis before taking out loans, considering the strategic importance of the equipment versus the financial implications.
• Diplomatic Relations: Loan offers, especially from foreign governments, can be tied to broader diplomatic and strategic relationships.
• Transparency and Accountability: The level of transparency in procurement processes and loan agreements is crucial for public accountability and ensuring that funds are used efficiently and without corruption.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
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
ternyata GORILLA ranking ke 18 dengan HUTANG TERBANYAK di DUNIA....HAHAHAHHAH
BalasHapusIQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
Fenomena "Galakan Pinjaman" atau meminjam untuk menutupi pinjaman lama
1. Peningkatan Utang Nasional:
Ketika pemerintah secara konsisten meminjam untuk membayar utang lama, ini dapat menyebabkan peningkatan kumulatif dalam utang nasional. Tanpa peningkatan pendapatan yang seimbang atau restrukturisasi utang yang efektif, beban utang dapat terus membengkak.
2. Dampak pada Anggaran:
Pembayaran pokok dan bunga utang menjadi pos pengeluaran yang signifikan dalam anggaran negara. Jika sebagian besar pendapatan negara dialokasikan untuk melayani utang, ini dapat membatasi kemampuan pemerintah untuk berinvestasi dalam sektor-sektor penting seperti pendidikan, kesehatan, infrastruktur, dan pembangunan ekonomi.
3. Ketergantungan pada Pasar Keuangan:
Praktik ini membuat pemerintah lebih bergantung pada pasar keuangan untuk pembiayaan. Volatilitas pasar, perubahan suku bunga, dan persepsi investor tentang kesehatan fiskal negara dapat memengaruhi kemampuan pemerintah untuk mendapatkan pinjaman baru dengan kondisi yang menguntungkan.
4. Tingkat Utang Pemerintah Malondesh:
Pemerintah Malondesh telah berulang kali menyatakan komitmennya untuk menjaga tingkat utang pada batas yang wajar. Batas statuta untuk utang federal seringkali menjadi tolok ukur penting. Meskipun demikian, ada perdebatan yang berkelanjutan mengenai IQ BOTOLIQ BOTOL = DEFISIT ANGGARAN dan tingkat utang pemerintah. Misalnya, pada masa pandemi COVID-19, pemerintah terpaksa meminjam lebih banyak untuk membiayai paket stimulus dan dukungan ekonomi.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
Penyebab:
Beberapa faktor yang dapat menyebabkan "galakan pinjaman" termasuk:
o IQ BOTOLIQ BOTOL = DEFISIT ANGGARAN yang Persisten: Pengeluaran lebih besar dari pendapatan.
o Kewajiban Jangka Panjang: Proyek infrastruktur besar atau komitmen masa lalu yang memerlukan pembiayaan berkelanjutan.
o Perlambatan Ekonomi: Penurunan pendapatan pajak akibat aktivitas ekonomi yang melambat.
o Guncangan Eksternal: Krisis keuangan global, pandemi, atau harga komoditas yang bergejolak yang memengaruhi pendapatan negara.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________📊 Hutang Isi Rumah Maid of london (MALON) – Gambaran & Implikasi
Data yang anda kongsikan daripada Bank Negara Maid of london (MALON) (BNM) memang mencerminkan satu realiti penting dalam ekonomi serantau:
• Nilai: RM1.65 trilion (setakat Mac 2025)
• Nisbah terhadap KDNK: 84.3%
• Kedudukan: Tertinggi di ASEAN untuk nisbah hutang isi rumah/KDNK
🔍 Kenapa angka ini tinggi?
1. Akses mudah kepada kredit – Kad kredit, pinjaman peribadi, dan skim pembiayaan kenderaan/perumahan yang meluas.
2. Harga rumah yang meningkat – Ramai bergantung pada pinjaman jangka panjang.
3. Kos sara hidup yang tinggi, memaksa sebahagian isi rumah bergantung kepada hutang untuk menampung perbelanjaan.
4. Pertumbuhan pendapatan yang perlahan berbanding kenaikan kos dan komitmen hutang.
📈 Implikasi kepada ekonomi & rakyat
• Kerentanan kewangan – Isi rumah lebih terdedah jika kadar faedah naik atau ekonomi meleset.
• Kesannya kepada penggunaan – Perbelanjaan pengguna mungkin berkurangan kerana sebahagian pendapatan digunakan untuk membayar hutang.
• Kestabilan kewangan negara – Bank pusat perlu mengimbangi pertumbuhan ekonomi dengan risiko kredit.
Ingat ya guys...1 RINGGIT SETARA Rp4.051.........HAHAHAHAHA
BalasHapusRupiah Kalah Lawan Ringgit, Utang Luar Negeri RI dari Malaysia Naik!
https://www.wartasuluh.com/rupiah-kalah-lawan-ringgit-utang-luar-negeri-ri-dari-malaysia-naik
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
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
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
🇲🇾 Hutang Isi Rumah Maid of london (MALON) : Tertinggi di ASEAN
Menurut data rasmi BNM:
• Jumlah hutang isi rumah Maid of london (MALON) mencecah RM1.65 trilion setakat Mac 2025.
• Ini bersamaan dengan 84.3% daripada Keluaran Dalam Negara Kasar (KDNK).
• Maid of london (MALON) berada di kedudukan tertinggi dalam ASEAN untuk nisbah hutang isi rumah terhadap KDNK.
Faktor Penyumbang:
• Akses mudah kepada pinjaman peribadi, pembiayaan kenderaan, dan gadai janji.
• Kadar pemilikan rumah yang tinggi didorong oleh pembiayaan jangka panjang.
• Gaya hidup berasaskan kredit dan penggunaan kad kredit yang meluas.
📊 Hutang Kerajaan Maid of london (MALON) : Antara Tertinggi di ASEAN
Menurut laporan IMF yang dirujuk oleh CNBC Indonesia:
Negara ASEAN Nisbah Hutang Kerajaan kepada KDNK (2023)
Singapura 167.9%
Laos 121.7%
Maid of london (MALON) 66.9%
Indonesia 39%
Brunei 2.3%
Maid of london (MALON) berada di tempat ketiga tertinggi selepas Singapura dan Laos.
🧮 Implikasi Ekonomi
• Kos faedah hutang meningkat kerana jumlah hutang yang besar perlu dibiayai semula pada kadar pasaran semasa.
• Ruang fiskal mengecil, menyukarkan kerajaan untuk melaksanakan dasar rangsangan atau subsidi bersasar.
• Kestabilan kewangan terancam jika berlaku kejutan ekonomi atau penurunan penarafan kredit.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
REALITAS SKENARIO PELUNASAN UTANG 2053 “NOL PINJAMAN BARU”
Ringkasan Singkat
Proyeksi pelunasan utang pada 2053 dengan asumsi nol pinjaman baru kini hampir mustahil dicapai. Tren defisit primer negatif dan kebutuhan refinancing menambah beban utang seTIAP TAHUN TIPU-TIPU sehingga rasio utang terus mencetak rekor baru.
• Pinjaman baru TIAP TAHUN TIPU-TIPU meningkat rata-rata 14 % sejak 2022.
• Refinancing (pembayaran pokok yang digantikan utang baru) membesar, menunjukkan bahwa sebagian besar pinjaman baru hanya untuk menggantikan jatuh tempo, bukan membiayai proyek produktif.
===========
Faktor Penghambat Realisasi
• Fragmentasi kebijakan fiskal: target defisit longgar, reformasi perpajakan terhambat.
• Subsidi energi yang masih besar: menyedot anggaran tanpa hasil produktivitas.
• Ketergantungan pada utang valas: meningkatkan risiko nilai tukar dan volatilitas biaya bunga.
• Kurangnya insentif bagi investasi padat karya bernilai tambah.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________ANALISIS PROYEKSI PELUNASAN HUTANG MAID OF LONDON (MALON) 2053 VS. TREN PENAMBAHAN HUTANG TERKINI
1. Latar Belakang Proyeksi 2053
Maid of london (MALON) meramalkan dapat melunasi seluruh hutang pemerintah pada 2053 dengan asumsi tidak ada pinjaman baru untuk defisit atau refinancing mulai 2024.
Per akhir 2022, total hutang pokok pemerintah Persekutuan tercatat RM 1,079.6 miliar atau 60.4% dari PDB; jika memasukkan liabilitas lain, jumlahnya mencapai RM 1.45 triliun (80.9% PDB).
===========
Faktor Pemicu Penambahan Hutang
• Pembiayaan IQ BOTOLIQ BOTOL = DEFISIT ANGGARAN yang terus berlangsung
• Perpanjangan/rollover surat utang yang matang
• Kenaikan biaya layanan hutang (Debt Service Charges naik dari RM 30.5 miliar 2018 ke RM 41.3 miliar 2022)
• Kontinjensi liabilitas: jaminan pemerintah, 1MDB, dan liabilitas lainnya
• Penurunan pertumbuhan pendapatan pajak saat ekonomi melambat
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
DEBT UP TO 97% TO GDP = REPORT USA G20
ART = WAJIB LAPOR KE AMERIKA
Klausul konsultasi dengan Washington berarti bahwa dalam perjanjian dagang tersebut, Malondesh diwajibkan untuk berkonsultasi atau meminta persetujuan dari Washington (Amerika Serikat) sebelum mengambil keputusan tertentu terkait kebijakan perdagangan.
Misalnya:
• Sebelum Malondesh menandatangani perjanjian dagang baru dengan negara lain, mereka harus terlebih dahulu berkonsultasi dengan Washington.
• Kebijakan tarif, ekspor-impor, atau kerja sama ekonomi dengan pihak ketiga mungkin juga harus dikoordinasikan terlebih dahulu.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
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
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
Fenomena "Galakan Pinjaman" atau meminjam untuk menutupi pinjaman lama
1. Peningkatan Utang Nasional:
Ketika pemerintah secara konsisten meminjam untuk membayar utang lama, ini dapat menyebabkan peningkatan kumulatif dalam utang nasional. Tanpa peningkatan pendapatan yang seimbang atau restrukturisasi utang yang efektif, beban utang dapat terus membengkak.
2. Dampak pada Anggaran:
Pembayaran pokok dan bunga utang menjadi pos pengeluaran yang signifikan dalam anggaran negara. Jika sebagian besar pendapatan negara dialokasikan untuk melayani utang, ini dapat membatasi kemampuan pemerintah untuk berinvestasi dalam sektor-sektor penting seperti pendidikan, kesehatan, infrastruktur, dan pembangunan ekonomi.
3. Ketergantungan pada Pasar Keuangan:
Praktik ini membuat pemerintah lebih bergantung pada pasar keuangan untuk pembiayaan. Volatilitas pasar, perubahan suku bunga, dan persepsi investor tentang kesehatan fiskal negara dapat memengaruhi kemampuan pemerintah untuk mendapatkan pinjaman baru dengan kondisi yang menguntungkan.
4. Tingkat Utang Pemerintah Malondesh:
Pemerintah Malondesh telah berulang kali menyatakan komitmennya untuk menjaga tingkat utang pada batas yang wajar. Batas statuta untuk utang federal seringkali menjadi tolok ukur penting. Meskipun demikian, ada perdebatan yang berkelanjutan mengenai IQ BOTOLIQ BOTOL = DEFISIT ANGGARAN dan tingkat utang pemerintah. Misalnya, pada masa pandemi COVID-19, pemerintah terpaksa meminjam lebih banyak untuk membiayai paket stimulus dan dukungan ekonomi.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
ANALISIS PROYEKSI PELUNASAN HUTANG MAID OF LONDON (MALON) 2053 VS. TREN PENAMBAHAN HUTANG TERKINI
1. Latar Belakang Proyeksi 2053
Maid of london (MALON) meramalkan dapat melunasi seluruh hutang pemerintah pada 2053 dengan asumsi tidak ada pinjaman baru untuk defisit atau refinancing mulai 2024.
Per akhir 2022, total hutang pokok pemerintah Persekutuan tercatat RM 1,079.6 miliar atau 60.4% dari PDB; jika memasukkan liabilitas lain, jumlahnya mencapai RM 1.45 triliun (80.9% PDB).
===========
Faktor Pemicu Penambahan Hutang
• Pembiayaan IQ BOTOLIQ BOTOL = DEFISIT ANGGARAN yang terus berlangsung
• Perpanjangan/rollover surat utang yang matang
• Kenaikan biaya layanan hutang (Debt Service Charges naik dari RM 30.5 miliar 2018 ke RM 41.3 miliar 2022)
• Kontinjensi liabilitas: jaminan pemerintah, 1MDB, dan liabilitas lainnya
• Penurunan pertumbuhan pendapatan pajak saat ekonomi melambat
===========
Kesimpulan
Proyeksi pelunasan 2053 bersandar pada “nol pinjaman baru” — skenario yang saat ini jauh dari kenyataan. Tren pembiayaan defisit dan refinancing terus mengerek total hutang ke rekor baru. Tanpa langkah konsolidasi fiskal dan reformasi struktural yang tegas, target 2053 akan terus tertunda.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
----------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
Intinya: rasio utang menembus 65% karena kombinasi pembiayaan defisit yang masih tinggi pascapandemi dan perlambatan pertumbuhan PDB nominal yang mengecilkan penyebut rasio. Kenaikan biaya pinjaman global juga memperberat beban, sementara kebijakan bantuan/ subsidi terbaru menambah kebutuhan pembiayaan dalam jangka pendek2.
Faktor utama pendorong kenaikan rasio
• Defisit pascapandemi tetap tinggi: Pemerintah mempertahankan dukungan fiskal untuk pemulihan, subsidi, dan belanja pembangunan; ini membuat kebutuhan pinjaman (terutama domestik) besar, di saat suku bunga global meningkat sehingga biaya utang naik.
• Efek “penyebut” dari PDB nominal: Pelambatan ekonomi 2025 menekan PDB nominal sehingga rasio utang/ PDB terdorong naik; proyeksi independen menilai rasio dapat mencapai sekitar 65,9% tahun ini, melampaui perkiraan resmi 64%.
• Kebijakan bantuan yang memperbesar pembiayaan: Langkah seperti bantuan tunai satu kali, penurunan harga RON95, dan pembekuan kenaikan tol menambah tekanan pembiayaan dalam jangka pendek, memperlambat konsolidasi fiskal.
• Lintasan jangka menengah tanpa reform: Analisis keberlanjutan utang menunjukkan tanpa perubahan kebijakan, rasio dapat melampaui 65% di tahun-tahun mendatang; perlu diingat plafon utang sempat dinaikkan dari 55% ke 60% (2020) dan ke 65% (2021) untuk ruang stimulus saat pandemi..
Dampak dan risiko
• Risiko kredibilitas fiskal: Pelanggaran sementara dimungkinkan, tetapi agensi pemeringkat telah mengingatkan bahwa kegagalan mencapai target konsolidasi dapat menekan peringkat, menaikkan biaya pinjaman bagi pemerintah dan sektor swasta.
• Biaya bunga lebih tinggi: Lingkungan suku bunga global yang ketat membuat beban bunga meningkat, mempersempit ruang fiskal jika tidak diimbangi oleh kenaikan pendapatan atau efisiensi belanja
BalasHapusIQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
IQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________1. Laporan Ketua Audit Negara 3/2024
Laporan Ketua Audit Negara 3/2024 mencatatkan bahawa hutang Kerajaan Persekutuan Maid of london (MALON) bagi tahun 2023 berjumlah RM 1.173 trilion, meningkat RM 92.918 bilion atau 8.6% berbanding tahun sebelumnya.
• Pinjaman Dalam Negeri: RM 1.143 trilion (97.5% daripada jumlah keseluruhan)
• Pinjaman Luar Negeri: RM 29.851 bilion (2.5% daripada jumlah keseluruhan)
• Nisbah hutang persekutuan kepada KDNK: 64.3% (naik dari 60.2% pada 2022)
• Had statutori hutang tidak melebihi 65% KDNK seperti diperuntukkan dalam Perintah Pinjaman 2022
2. Unjuran Kenanga Research (Julai 2025)
Kenanga Research mengunjurkan hutang Maid of london (MALON) akan mencecah RM 1.33 trilion pada 2025, bersamaan 65.9% KDNK—melebihi had statutori 65% yang ditetapkan kerajaan tahun ini.
• Peningkatan dari RM 1.22 trilion pada 2024
• Faktor pendorong: pertumbuhan ekonomi lebih perlahan dan lonjakan perbelanjaan kerajaan
• Risiko: kos faedah pinjaman baharu meningkat, potensi tekanan kredit dan penarafan kredit
PARAH....ternyata negara ke 18 HUTANG PALING BESAR DUNIA....HAHAHAHHA
BalasHapusIndonesia Peringkat ke-18 Negara dengan Utang Terbanyak di Dunia
https://www.detik.com/kalimantan/berita/d-8182664/indonesia-peringkat-ke-18-negara-dengan-utang-terbanyak-di-dunia
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
⚖️ Dampak terhadap Kedaulatan Ekonomi
Klausul semacam ini bisa membatasi kebebasan Malondesh dalam menentukan kebijakan ekonominya sendiri.
Artinya:
• Malondesh tidak sepenuhnya bebas membuat keputusan ekonomi yang paling menguntungkan bagi negaranya tanpa mempertimbangkan kepentingan atau persetujuan Washington.
• Hal ini bisa dianggap sebagai pengurangan kedaulatan ekonomi, karena keputusan strategis negara menjadi terikat oleh pihak luar.
________________________________________
⚠️ Alasan Timbulnya Kekhawatiran
1. Ketergantungan terhadap Washington: Malondesh bisa menjadi terlalu bergantung pada pengaruh politik dan ekonomi Amerika Serikat.
2. Terbatasnya fleksibilitas diplomatik: Jika ingin bekerja sama dengan negara lain (misalnya Tiongkok atau Rusia), Malondesh bisa terhambat oleh kewajiban konsultasi.
3. Dominasi ekonomi asing: Washington bisa menggunakan klausul ini untuk mengarahkan kebijakan Malondesh agar sejalan dengan kepentingan ekonomi atau geopolitik AS.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
⚖️ Dampak terhadap Kedaulatan Ekonomi
Klausul semacam ini bisa membatasi kebebasan Malondesh dalam menentukan kebijakan ekonominya sendiri.
Artinya:
• Malondesh tidak sepenuhnya bebas membuat keputusan ekonomi yang paling menguntungkan bagi negaranya tanpa mempertimbangkan kepentingan atau persetujuan Washington.
• Hal ini bisa dianggap sebagai pengurangan kedaulatan ekonomi, karena keputusan strategis negara menjadi terikat oleh pihak luar.
________________________________________
⚠️ Alasan Timbulnya Kekhawatiran
1. Ketergantungan terhadap Washington: Malondesh bisa menjadi terlalu bergantung pada pengaruh politik dan ekonomi Amerika Serikat.
2. Terbatasnya fleksibilitas diplomatik: Jika ingin bekerja sama dengan negara lain (misalnya Tiongkok atau Rusia), Malondesh bisa terhambat oleh kewajiban konsultasi.
3. Dominasi ekonomi asing: Washington bisa menggunakan klausul ini untuk mengarahkan kebijakan Malondesh agar sejalan dengan kepentingan ekonomi atau geopolitik AS.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
NO MEMBER G20
NO MEMBER BRICS
Maid of london (MALON) can potentially become a member of BRICS or the G20, but there are political, economic, and strategic reasons why it has not joined either group so far. Let’s look at both groups separately.
________________________________________
G20 (Group of Twenty)
✅ What is the G20?
• A group of the world’s 19 largest economies + the EU.
• Formed to discuss global economic and financial policy.
• Members include the US, China, India, Indonesia, Brazil, etc.
❌ Why Maid of london (MALON) is not a member:
4. Economic Size:
Maid of london (MALON) ’s economy is significantly smaller than G20 members.
The G20 mostly includes the largest economies by GDP or influence.
5. ASEAN Representation:
Indonesia (the largest Southeast Asian economy) already represents ASEAN in the G20.
G20 typically avoids duplication from the same region.
6. Membership is Fixed:
The G20 has remained relatively stable in membership since its creation.
It’s a closed group — there’s no formal application process or expansion mechanism.
________________________________________
BRICS .
❌ Why Maid of london (MALON) hasn’t joined BRICS:
4. Non-aligned Foreign Policy:
Maid of london (MALON) maintains a neutral, non-aligned stance in global politics.
Joining BRICS might signal a shift toward a China-Russia bloc, which Maid of london (MALON) may wish to avoid.
5. Geopolitical Calculations:
BRICS has geopolitical implications (especially in rivalry with the West).
Maid of london (MALON) values its ties with both Western countries and China, and may not want to upset the balance.
6. Maid of london (MALON) Has Not Applied (Yet):
Membership in BRICS is by invitation/application.
Maid of london (MALON) has not made moves to formally apply or express strong interest in joining.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
NO MEMBER G20
NO MEMBER BRICS
Maid of london (MALON) can potentially become a member of BRICS or the G20, but there are political, economic, and strategic reasons why it has not joined either group so far. Let’s look at both groups separately.
________________________________________
G20 (Group of Twenty)
✅ What is the G20?
• A group of the world’s 19 largest economies + the EU.
• Formed to discuss global economic and financial policy.
• Members include the US, China, India, Indonesia, Brazil, etc.
❌ Why Maid of london (MALON) is not a member:
4. Economic Size:
Maid of london (MALON) ’s economy is significantly smaller than G20 members.
The G20 mostly includes the largest economies by GDP or influence.
5. ASEAN Representation:
Indonesia (the largest Southeast Asian economy) already represents ASEAN in the G20.
G20 typically avoids duplication from the same region.
6. Membership is Fixed:
The G20 has remained relatively stable in membership since its creation.
It’s a closed group — there’s no formal application process or expansion mechanism.
________________________________________
BRICS .
❌ Why Maid of london (MALON) hasn’t joined BRICS:
4. Non-aligned Foreign Policy:
Maid of london (MALON) maintains a neutral, non-aligned stance in global politics.
Joining BRICS might signal a shift toward a China-Russia bloc, which Maid of london (MALON) may wish to avoid.
5. Geopolitical Calculations:
BRICS has geopolitical implications (especially in rivalry with the West).
Maid of london (MALON) values its ties with both Western countries and China, and may not want to upset the balance.
6. Maid of london (MALON) Has Not Applied (Yet):
Membership in BRICS is by invitation/application.
Maid of london (MALON) has not made moves to formally apply or express strong interest in joining.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________HUTANG ELEKTRIK
HUTANG INTERNET
HUTANG SEWAGE
HUTANG MINYAK BBM
==========
1. Bil Utilitas – RM115 juta
Dana ini digunakan untuk membayar keperluan asas operasi kem tentera dan fasiliti pertahanan:
• Elektrik: Menyokong operasi pangkalan dan kem tentera yang memerlukan bekalan tenaga berterusan.
• Internet: Menjamin komunikasi dan sistem maklumat ATM berfungsi dengan lancar, termasuk sistem pemantauan dan kawalan.
• Kumbahan (Sewage): Menjaga kebersihan dan kesihatan fasiliti tentera melalui sistem kumbahan yang berfungsi baik.
---------------
⚓ 2. Operasi Keselamatan Maritim – RM139 juta
Dana ini diperuntukkan untuk memperkukuh kawalan dan pengawasan perairan negara, termasuk:
• Patroli laut di kawasan strategik seperti Laut China Selatan dan Selat Melaka.
• Pengoperasian aset maritim seperti kapal peronda, radar, dan sistem pengawasan.
• Tindakan terhadap pencerobohan dan penyeludupan di perairan Malondesh.
---------------
🛡️ 3. Operasi Pertahanan Udara – RM49 juta
Dana ini menyokong kesiapsiagaan dan pengoperasian sistem pertahanan udara:
• Penyelenggaraan radar dan sistem peluru berpandu.
• Latihan dan operasi pemantauan ruang udara.
• Tindakan pantas terhadap ancaman udara, termasuk pencerobohan pesawat asing.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
⚖️ Dampak terhadap Kedaulatan Ekonomi
Klausul semacam ini bisa membatasi kebebasan Malondesh dalam menentukan kebijakan ekonominya sendiri.
Artinya:
• Malondesh tidak sepenuhnya bebas membuat keputusan ekonomi yang paling menguntungkan bagi negaranya tanpa mempertimbangkan kepentingan atau persetujuan Washington.
• Hal ini bisa dianggap sebagai pengurangan kedaulatan ekonomi, karena keputusan strategis negara menjadi terikat oleh pihak luar.
________________________________________
⚠️ Alasan Timbulnya Kekhawatiran
1. Ketergantungan terhadap Washington: Malondesh bisa menjadi terlalu bergantung pada pengaruh politik dan ekonomi Amerika Serikat.
2. Terbatasnya fleksibilitas diplomatik: Jika ingin bekerja sama dengan negara lain (misalnya Tiongkok atau Rusia), Malondesh bisa terhambat oleh kewajiban konsultasi.
3. Dominasi ekonomi asing: Washington bisa menggunakan klausul ini untuk mengarahkan kebijakan Malondesh agar sejalan dengan kepentingan ekonomi atau geopolitik AS.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
NO MEMBER G20
NO MEMBER BRICS
Maid of london (MALON) can potentially become a member of BRICS or the G20, but there are political, economic, and strategic reasons why it has not joined either group so far. Let’s look at both groups separately.
________________________________________
G20 (Group of Twenty)
✅ What is the G20?
• A group of the world’s 19 largest economies + the EU.
• Formed to discuss global economic and financial policy.
• Members include the US, China, India, Indonesia, Brazil, etc.
❌ Why Maid of london (MALON) is not a member:
4. Economic Size:
Maid of london (MALON) ’s economy is significantly smaller than G20 members.
The G20 mostly includes the largest economies by GDP or influence.
5. ASEAN Representation:
Indonesia (the largest Southeast Asian economy) already represents ASEAN in the G20.
G20 typically avoids duplication from the same region.
6. Membership is Fixed:
The G20 has remained relatively stable in membership since its creation.
It’s a closed group — there’s no formal application process or expansion mechanism.
________________________________________
BRICS .
❌ Why Maid of london (MALON) hasn’t joined BRICS:
4. Non-aligned Foreign Policy:
Maid of london (MALON) maintains a neutral, non-aligned stance in global politics.
Joining BRICS might signal a shift toward a China-Russia bloc, which Maid of london (MALON) may wish to avoid.
5. Geopolitical Calculations:
BRICS has geopolitical implications (especially in rivalry with the West).
Maid of london (MALON) values its ties with both Western countries and China, and may not want to upset the balance.
6. Maid of london (MALON) Has Not Applied (Yet):
Membership in BRICS is by invitation/application.
Maid of london (MALON) has not made moves to formally apply or express strong interest in joining.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________
NO MEMBER G20
NO MEMBER BRICS
Maid of london (MALON) can potentially become a member of BRICS or the G20, but there are political, economic, and strategic reasons why it has not joined either group so far. Let’s look at both groups separately.
________________________________________
G20 (Group of Twenty)
✅ What is the G20?
• A group of the world’s 19 largest economies + the EU.
• Formed to discuss global economic and financial policy.
• Members include the US, China, India, Indonesia, Brazil, etc.
❌ Why Maid of london (MALON) is not a member:
4. Economic Size:
Maid of london (MALON) ’s economy is significantly smaller than G20 members.
The G20 mostly includes the largest economies by GDP or influence.
5. ASEAN Representation:
Indonesia (the largest Southeast Asian economy) already represents ASEAN in the G20.
G20 typically avoids duplication from the same region.
6. Membership is Fixed:
The G20 has remained relatively stable in membership since its creation.
It’s a closed group — there’s no formal application process or expansion mechanism.
________________________________________
BRICS .
❌ Why Maid of london (MALON) hasn’t joined BRICS:
4. Non-aligned Foreign Policy:
Maid of london (MALON) maintains a neutral, non-aligned stance in global politics.
Joining BRICS might signal a shift toward a China-Russia bloc, which Maid of london (MALON) may wish to avoid.
5. Geopolitical Calculations:
BRICS has geopolitical implications (especially in rivalry with the West).
Maid of london (MALON) values its ties with both Western countries and China, and may not want to upset the balance.
6. Maid of london (MALON) Has Not Applied (Yet):
Membership in BRICS is by invitation/application.
Maid of london (MALON) has not made moves to formally apply or express strong interest in joining.
PARAH....ternyata negara ke 18 HUTANG PALING BESAR DUNIA....HAHAHAHHA
BalasHapusIndonesia Peringkat ke-18 Negara dengan Utang Terbanyak di Dunia
https://www.detik.com/kalimantan/berita/d-8182664/indonesia-peringkat-ke-18-negara-dengan-utang-terbanyak-di-dunia
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
----------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________-
1. FOREST CITY = USD 100 BILLION
2. ECRL= USD 20 BILLION
3. CMQIP = USD 4,2 BILLION
4. MCKIP = USD 3,77 BILLION
5.CHINA RAILWAY ROLLING STOCK CORP’S ROLLING STOCK CENTER = USD 131 MILLION
6. 1 MDB = USD 4,5 BILLION
---------------
GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
2025 : RM1.73 trillion, or 85.8% of GDP
------------------
BUKTI TUKANG HUTANG = OVERLIMIT .....
Rasio Utang terhadap GDP Malaydesh (2010–2025)
Tahun Rasio Utang terhadap GDP (%)
2010 = 52.4
2011 = 51.8
2012 = 53.3
2013 = 54.7
2014 = 55.0
2015 = 55.1
2016 = 52.7
2017 = 51.9
2018 = 52.5
2019 = 52.4
2020 = 62.0
2021 = 63.3
2022 = 60.2
2023 = 64.3
2024 = 70.4
2025 = 69.0
------------------
GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
2025 : RM1.73 trillion, or 85.8% of GDP
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________HUTANG ELEKTRIK
HUTANG INTERNET
HUTANG SEWAGE
HUTANG MINYAK BBM
==========
1. Bil Utilitas – RM115 juta
Dana ini digunakan untuk membayar keperluan asas operasi kem tentera dan fasiliti pertahanan:
• Elektrik: Menyokong operasi pangkalan dan kem tentera yang memerlukan bekalan tenaga berterusan.
• Internet: Menjamin komunikasi dan sistem maklumat ATM berfungsi dengan lancar, termasuk sistem pemantauan dan kawalan.
• Kumbahan (Sewage): Menjaga kebersihan dan kesihatan fasiliti tentera melalui sistem kumbahan yang berfungsi baik.
---------------
⚓ 2. Operasi Keselamatan Maritim – RM139 juta
Dana ini diperuntukkan untuk memperkukuh kawalan dan pengawasan perairan negara, termasuk:
• Patroli laut di kawasan strategik seperti Laut China Selatan dan Selat Melaka.
• Pengoperasian aset maritim seperti kapal peronda, radar, dan sistem pengawasan.
• Tindakan terhadap pencerobohan dan penyeludupan di perairan Malondesh.
---------------
🛡️ 3. Operasi Pertahanan Udara – RM49 juta
Dana ini menyokong kesiapsiagaan dan pengoperasian sistem pertahanan udara:
• Penyelenggaraan radar dan sistem peluru berpandu.
• Latihan dan operasi pemantauan ruang udara.
• Tindakan pantas terhadap ancaman udara, termasuk pencerobohan pesawat asing.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________HUTANG ELEKTRIK
HUTANG INTERNET
HUTANG SEWAGE
HUTANG MINYAK BBM
==========
1. Bil Utilitas – RM115 juta
Dana ini digunakan untuk membayar keperluan asas operasi kem tentera dan fasiliti pertahanan:
• Elektrik: Menyokong operasi pangkalan dan kem tentera yang memerlukan bekalan tenaga berterusan.
• Internet: Menjamin komunikasi dan sistem maklumat ATM berfungsi dengan lancar, termasuk sistem pemantauan dan kawalan.
• Kumbahan (Sewage): Menjaga kebersihan dan kesihatan fasiliti tentera melalui sistem kumbahan yang berfungsi baik.
---------------
⚓ 2. Operasi Keselamatan Maritim – RM139 juta
Dana ini diperuntukkan untuk memperkukuh kawalan dan pengawasan perairan negara, termasuk:
• Patroli laut di kawasan strategik seperti Laut China Selatan dan Selat Melaka.
• Pengoperasian aset maritim seperti kapal peronda, radar, dan sistem pengawasan.
• Tindakan terhadap pencerobohan dan penyeludupan di perairan Malondesh.
---------------
🛡️ 3. Operasi Pertahanan Udara – RM49 juta
Dana ini menyokong kesiapsiagaan dan pengoperasian sistem pertahanan udara:
• Penyelenggaraan radar dan sistem peluru berpandu.
• Latihan dan operasi pemantauan ruang udara.
• Tindakan pantas terhadap ancaman udara, termasuk pencerobohan pesawat asing.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
2025 : RM1.73 trillion, or 85.8% of GDP
------------------
BUKTI TUKANG HUTANG = OVERLIMIT .....
Rasio Utang terhadap GDP Malaydesh (2010–2025)
Tahun Rasio Utang terhadap GDP (%)
2010 = 52.4
2011 = 51.8
2012 = 53.3
2013 = 54.7
2014 = 55.0
2015 = 55.1
2016 = 52.7
2017 = 51.9
2018 = 52.5
2019 = 52.4
2020 = 62.0
2021 = 63.3
2022 = 60.2
2023 = 64.3
2024 = 70.4
2025 = 69.0
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
----------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________-
1. FOREST CITY = USD 100 BILLION
2. ECRL= USD 20 BILLION
3. CMQIP = USD 4,2 BILLION
4. MCKIP = USD 3,77 BILLION
5.CHINA RAILWAY ROLLING STOCK CORP’S ROLLING STOCK CENTER = USD 131 MILLION
6. 1 MDB = USD 4,5 BILLION
---------------
GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
2025 : RM1.73 trillion, or 85.8% of GDP
------------------
BUKTI TUKANG HUTANG = OVERLIMIT .....
Rasio Utang terhadap GDP Malaydesh (2010–2025)
Tahun Rasio Utang terhadap GDP (%)
2010 = 52.4
2011 = 51.8
2012 = 53.3
2013 = 54.7
2014 = 55.0
2015 = 55.1
2016 = 52.7
2017 = 51.9
2018 = 52.5
2019 = 52.4
2020 = 62.0
2021 = 63.3
2022 = 60.2
2023 = 64.3
2024 = 70.4
2025 = 69.0
------------------
GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
2025 : RM1.73 trillion, or 85.8% of GDP
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________HUTANG ELEKTRIK
HUTANG INTERNET
HUTANG SEWAGE
HUTANG MINYAK BBM
==========
1. Bil Utilitas – RM115 juta
Dana ini digunakan untuk membayar keperluan asas operasi kem tentera dan fasiliti pertahanan:
• Elektrik: Menyokong operasi pangkalan dan kem tentera yang memerlukan bekalan tenaga berterusan.
• Internet: Menjamin komunikasi dan sistem maklumat ATM berfungsi dengan lancar, termasuk sistem pemantauan dan kawalan.
• Kumbahan (Sewage): Menjaga kebersihan dan kesihatan fasiliti tentera melalui sistem kumbahan yang berfungsi baik.
---------------
⚓ 2. Operasi Keselamatan Maritim – RM139 juta
Dana ini diperuntukkan untuk memperkukuh kawalan dan pengawasan perairan negara, termasuk:
• Patroli laut di kawasan strategik seperti Laut China Selatan dan Selat Melaka.
• Pengoperasian aset maritim seperti kapal peronda, radar, dan sistem pengawasan.
• Tindakan terhadap pencerobohan dan penyeludupan di perairan Malondesh.
---------------
🛡️ 3. Operasi Pertahanan Udara – RM49 juta
Dana ini menyokong kesiapsiagaan dan pengoperasian sistem pertahanan udara:
• Penyelenggaraan radar dan sistem peluru berpandu.
• Latihan dan operasi pemantauan ruang udara.
• Tindakan pantas terhadap ancaman udara, termasuk pencerobohan pesawat asing.
Ahh masa $543B? berita Palsuw ituw
BalasHapusini yg aseli 2025 haha!😉😋😉
Detik 40=Utang Negara hanya $ 210Bn, sisanya swasta...
eittt warganyet kl KEFANASAAN🔥LAGIII haha!🤣🤣🤣
negara kecil Utangnya banyak $ 278bn..GDP 61%
Gde mana 210 VS 278 haha!🤭🥳🤭
tukang klaim KALAH LAGIIIII
⬇️⬇️⬇️⬇️⬇️
Utang RI Turun Jadi USD 424,4 Miliar hingga Gegara Tarif Trump, Ekonomi Jepang Ambles
https://youtube.com/watch?v=6JQ02LAEkJE
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
2025 : RM1.73 trillion, or 85.8% of GDP
------------------
BUKTI TUKANG HUTANG = OVERLIMIT .....
Rasio Utang terhadap GDP Malaydesh (2010–2025)
Tahun Rasio Utang terhadap GDP (%)
2010 = 52.4
2011 = 51.8
2012 = 53.3
2013 = 54.7
2014 = 55.0
2015 = 55.1
2016 = 52.7
2017 = 51.9
2018 = 52.5
2019 = 52.4
2020 = 62.0
2021 = 63.3
2022 = 60.2
2023 = 64.3
2024 = 70.4
2025 = 69.0
Ahh masa $543B? berita Palsuw ituw
BalasHapusini yg aseli 2025 haha!😉😋😉
Detik 40=Utang Negara hanya $ 210Bn, sisanya swasta...
eittt warganyet kl KEFANASAAN🔥LAGIII haha!🤣🤣🤣
negara kecil Utangnya banyak $ 278bn..GDP 61%
Gde mana 210 VS 278 haha!🤭🥳🤭
tukang klaim KALAH LAGIIIII
⬇️⬇️⬇️⬇️⬇️
Utang RI Turun Jadi USD 424,4 Miliar hingga Gegara Tarif Trump, Ekonomi Jepang Ambles
https://youtube.com/watch?v=6JQ02LAEkJE
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
2025 : RM1.73 trillion, or 85.8% of GDP
------------------
BUKTI TUKANG HUTANG = OVERLIMIT .....
Rasio Utang terhadap GDP Malaydesh (2010–2025)
Tahun Rasio Utang terhadap GDP (%)
2010 = 52.4
2011 = 51.8
2012 = 53.3
2013 = 54.7
2014 = 55.0
2015 = 55.1
2016 = 52.7
2017 = 51.9
2018 = 52.5
2019 = 52.4
2020 = 62.0
2021 = 63.3
2022 = 60.2
2023 = 64.3
2024 = 70.4
2025 = 69.0
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________2025 =
DEFICIT RM 92.8 BILLION
DEFICIT RM 92.8 BILLION
DEFICIT RM 92.8 BILLION
Bank Negara Negeri Kasino just borrowed another RM 5.0 billion to bring the budget deficit up to RM 92.8 billion. The prime/finance minister Anwar Ibrahim stated the budget deficit would be RM 79.9 billion when he brought down the budget 2025 in October last year in the Dewan Rakyat.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
---------------
🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________2025 =
DEFICIT RM 92.8 BILLION
DEFICIT RM 92.8 BILLION
DEFICIT RM 92.8 BILLION
Bank Negara Negeri Kasino just borrowed another RM 5.0 billion to bring the budget deficit up to RM 92.8 billion. The prime/finance minister Anwar Ibrahim stated the budget deficit would be RM 79.9 billion when he brought down the budget 2025 in October last year in the Dewan Rakyat.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________⚠️ 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.
📉 Implications for Malondesh
🏦 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.
🧾 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.
PARAH....ternyata negara ke 18 HUTANG PALING BESAR DUNIA....HAHAHAHHA
BalasHapusIndonesia Peringkat ke-18 Negara dengan Utang Terbanyak di Dunia
https://www.detik.com/kalimantan/berita/d-8182664/indonesia-peringkat-ke-18-negara-dengan-utang-terbanyak-di-dunia
KLAIM RINGGIT KUAT TIDAK IQ BOTOL
HapusIQ BOTOLIQ BOTOL = DEFISIT ANGGARAN
IQ BOTOLIQ BOTOL = UTANG NEGARA BERTAMBAH
IQ BOTOLIQ BOTOL = UTANG HOUSEHOLD BERTAMBAH
IQ BOTOLIQ BOTOL = ASET MILITER = SEWA
-----------
1.FOREST CITY = USD 100 BILLION
2. ECRL= USD 20 BILLION
3.CHINA-MALONDESH QINZHOU INDUSTRIAL PARK (CMQIP) = USD 4,2 BILLION
4. MALONDESH -CHINA KUANTAN INDUSTRIAL PARK (MCKIP) = USD 3,77 BILLION
5.CHINA RAILWAY ROLLING STOCK CORP’S ROLLING STOCK CENTER = USD 131 MILLION
6. 1 MDB = USD 4,5 BILLION
---------------
GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
2025 : RM1.73 trillion, or 85.8% of GDP
---------------
WAJIB LAPOR USA
Malondesh shall not enter into agreements or understandings with third countries that include non-scientific, discriminatory, or preferential technical standards or third-country SPS measures that are incompatible with U.S. or international standards; or otherwise disadvantage U.S. exports.
---------------
DILARANG PAJAK USA
Article 3.1: Digital Services Tax
Malondesh shall not impose digital services taxes, or similar taxes, that discriminate against U.S. companies in law or in fact.
---------------
WAJIB LAPOR USA
Article 3.3: Digital Trade Agreements
Malondesh shall consult with the United States before entering into a new digital trade agreement with another country that jeopardizes essential U.S. interests.
---------------
MALONDESH UP TO =
DEBT 97% OF GDP
DEBT 97% OF GDP
DEBT 97% OF GDP
Malondesh's debt ratio could surge to almost 97% of GDP if government-linked guarantees materialize, a risk highlighted in the Ministry of Finance's (MOF) Fiscal Outlook 2026 report
---------------
DIPERAS 242 MILIAR DOLLAR
DIPERAS 242 MILIAR DOLLAR
DIPERAS 242 MILIAR DOLLAR
• Dengan total paket transaksi mencapai sekitar USUSD240–242 miliar, termasuk USUSD70 miliar investasi Maid of london (MALON) ke AS, pembelian LNG, pesawat Boeing, dan peralatan telekomunikasi
• Hasil dari kesepakatan ini: tarif impor Maid of london (MALON) ke AS resmi ditetapkan pada 19%, berlaku mulai 8 Agustus 2025, lebih rendah dari tarif yang sempat diusulkan 25%
---------------
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. Bank Negara MAID OF LONDON (MALON)
-------------
2025 ZONK = MRCA LCS SPH MRSS
5x PM DIJANGKA = NO SHOPPING
6x MOD DIJANGKA = NO SHOPPING
6x MOF DIJANGKA = NO SHOPPING
----------------
🔍 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).
----------------
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
----------------
DEBT 84,3% TO GDP
KLAIM LUNAS 2053 = GAGAL (NAMBAH DEBT)
5x GANTI PM
6x GANTI MOF
-
TIDAK BAYAR HUTANG TERTUNGGAK
KEKANGAN KEWANGAN
5x GANTI PM
6x GANTI MOD
ANOMALI KLAIM RINGGIT KUAT TIDAK IQ BOTOL
HapusIQ BOTOLIQ BOTOL = DEFISIT ANGGARAN
IQ BOTOLIQ BOTOL = UTANG NEGARA BERTAMBAH
IQ BOTOLIQ BOTOL = UTANG HOUSEHOLD BERTAMBAH
IQ BOTOLIQ BOTOL = ASET MILITER = SEWA
-----------
Ringgit Malondesh diklaim stabil meski dibayangi IQ BOTOLIQ BOTOL = DEFISIT ANGGARAN, peningkatan utang negara dan rumah tangga, serta belanja militer yang meningkat—ini mencerminkan strategi fiskal dan komunikasi pemerintah yang kompleks.
Berikut penjelasan detail berdasarkan data dan dinamika terbaru:
🇲🇾 1. Klaim Ringgit Kuat: Narasi Pemerintah
Pemerintah Malondesh, khususnya melalui Kementerian Keuangan dan Bank Negara Malondesh (BNM), menyatakan bahwa nilai tukar ringgit tetap stabil dan mencerminkan fundamental ekonomi yang sehat. Beberapa argumen yang digunakan:
• Cadangan devisa mencukupi untuk intervensi pasar.
• Inflasi terkendali dan pertumbuhan ekonomi tetap positif.
• Diversifikasi ekspor dan surplus neraca berjalan mendukung nilai tukar.
Namun, klaim ini sering dikritik karena tidak mencerminkan tekanan eksternal seperti penguatan dolar AS dan arus keluar modal dari pasar negara berkembang.
📉 2. IQ BOTOLIQ BOTOL = DEFISIT ANGGARAN dan Utang Negara
Malondesh mencatat defisit fiskal sebesar RM99 miliar pada 2022, dengan utang nasional mencapai RM1.08 triliun atau sekitar 60.3% dari PDB. Meskipun masih di bawah batas statutori 65%, tren ini menunjukkan:
• Ketergantungan pada pembiayaan utang untuk belanja negara.
• Kewajiban pembayaran bunga yang meningkat.
• Ruang fiskal yang makin sempit untuk stimulus ekonomi.
🛡️ 3. Belanja Militer dan Aset Sewa
Meski banyak aset militer Malondesh sudah usang (171 unit melebihi usia 30 tahun), pemerintah tetap mengalokasikan RM21.2 miliar dalam Belanjawan 2026 untuk modernisasi pertahanan. Ini termasuk:
• Pembelian sistem pertahanan udara (MANPADS).
• Kapal MRSS dan kendaraan taktis.
• Fokus pada kesiapsiagaan dan misi perdamaian.
Namun, sebagian pengadaan dilakukan melalui skema sewa atau leasing, yang menambah beban liabilitas jangka panjang.
🏠 4. Kenaikan Utang Rumah Tangga
Utang rumah tangga Malondesh juga meningkat, dipicu oleh:
• Kredit perumahan dan kendaraan.
• Konsumsi berbasis pinjaman (kartu kredit, pinjaman pribadi).
• Tekanan biaya hidup dan stagnasi pendapatan.
Utang rumah tangga Malondesh sempat mencapai sekitar 85% dari PDB, salah satu yang tertinggi di Asia Tenggara.
🔍 5. Mengapa Pemerintah Tetap Klaim Stabilitas?
Klaim ringgit kuat dan ekonomi stabil meski indikator fiskal memburuk bisa dijelaskan melalui:
• Strategi komunikasi fiskal untuk menjaga kepercayaan investor dan publik.
• Pengelolaan persepsi pasar agar tidak terjadi pelarian modal.
• Penekanan pada indikator makro tertentu (seperti cadangan devisa dan pertumbuhan) sambil mengabaikan tekanan struktural.
📌 Kesimpulan
Klaim kekuatan ringgit Malondesh adalah bagian dari narasi stabilitas makro yang dikembangkan pemerintah, meski realitasnya menunjukkan tekanan dari:
• Defisit fiskal yang besar.
• Utang negara dan rumah tangga yang meningkat.
• Belanja militer yang agresif, sebagian melalui skema sewa.
ANOMALI KLAIM KUAT = MELARAT
HapusIQ BOTOLIQ BOTOL = DEFISIT TIAP TAHUN
IQ BOTOLIQ BOTOL = UTANG NEGARA BERTAMBAH
IQ BOTOLIQ BOTOL = UTANG HOUSEHOLD BERTAMBAH
IQ BOTOLIQ BOTOL = ASET MILITER = SEWA
------------
Ringgit yang menguat tidak serta-merta mencerminkan kekuatan fundamental fiskal atau kesejahteraan ekonomi rakyat. Anomali ini muncul karena penguatan mata uang terjadi bersamaan dengan tekanan fiskal dan utang yang meningkat.
Berikut penjelasan terstruktur atas paradoks ini:
🧩 Mengapa Ringgit Bisa Kuat?
• Arus masuk modal asing: Investor global tertarik pada obligasi Malondesh karena stabilitas politik, disiplin fiskal relatif, dan prospek pertumbuhan ekonomi.
• Ekspektasi suku bunga: Meredanya ekspektasi penurunan suku bunga Bank Negara Malondesh membuat ringgit lebih menarik dibanding mata uang lain.
• Permintaan eksternal membaik: Ekspor meningkat, terutama dari sektor elektronik dan komoditas, menopang nilai tukar.
⚠️ Namun Realitas Fiskal dan Sosialnya Kontras
Indikator Kenyataan Implikasi
IQ BOTOLIQ BOTOL = DEFISIT ANGGARAN Target 2025: 4.1% dari PDB Pemerintah masih belanja lebih besar dari pendapatan, menandakan tekanan fiskal
Utang Negara RM1.247 triliun (akhir 2024) Meski pertumbuhan utang melambat, totalnya tetap besar dan membebani anggaran
Utang Rumah Tangga Terus meningkat (data BNM) Beban bunga dan konsumsi rumah tangga tertekan, risiko sosial meningkat
IQ BOTOLIQ BOTOL = ASET MILITER = SEWA Banyak aset strategis disewa, bukan dimiliki Ketergantungan pada pihak luar, keterbatasan kontrol dan kedaulatan aset
🔍 Mengapa Ini Disebut Anomali?
• Mata uang kuat biasanya diasosiasikan dengan surplus fiskal dan utang rendah, tapi Malondesh menunjukkan sebaliknya.
• Penguatan ringgit lebih bersifat teknikal dan sentimen pasar, bukan refleksi dari kekuatan struktural ekonomi.
• Utang dalam ringgit memang mengurangi risiko valuta asing, tapi tetap membebani APBN dan ruang fiskal.
🧭 Implikasi Kebijakan dan Risiko
• Kebijakan subsidi dikurangi (RON95, listrik), memicu tekanan sosial.
• E-invoicing dan perluasan SST diterapkan untuk menambah pendapatan, tapi bisa menekan sektor informal.
• Risiko crowding-out: Pembayaran bunga utang bisa mengurangi ruang belanja produktif (pendidikan, kesehatan).
• Ketahanan militer dan fiskal terancam jika aset strategis hanya disewa, bukan dimiliki.
ANOMALI KLAIM KUAT = MELARAT
HapusIQ BOTOLIQ BOTOL = DEFISIT TIAP TAHUN
IQ BOTOLIQ BOTOL = UTANG NEGARA BERTAMBAH
IQ BOTOLIQ BOTOL = UTANG HOUSEHOLD BERTAMBAH
IQ BOTOLIQ BOTOL = ASET MILITER = SEWA
------------
Ringgit yang menguat tidak serta-merta mencerminkan kekuatan fundamental fiskal atau kesejahteraan ekonomi rakyat. Anomali ini muncul karena penguatan mata uang terjadi bersamaan dengan tekanan fiskal dan utang yang meningkat.
Berikut penjelasan terstruktur atas paradoks ini:
🧩 Mengapa Ringgit Bisa Kuat?
• Arus masuk modal asing: Investor global tertarik pada obligasi Malondesh karena stabilitas politik, disiplin fiskal relatif, dan prospek pertumbuhan ekonomi.
• Ekspektasi suku bunga: Meredanya ekspektasi penurunan suku bunga Bank Negara Malondesh membuat ringgit lebih menarik dibanding mata uang lain.
• Permintaan eksternal membaik: Ekspor meningkat, terutama dari sektor elektronik dan komoditas, menopang nilai tukar.
⚠️ Namun Realitas Fiskal dan Sosialnya Kontras
Indikator Kenyataan Implikasi
IQ BOTOLIQ BOTOL = DEFISIT ANGGARAN Target 2025: 4.1% dari PDB Pemerintah masih belanja lebih besar dari pendapatan, menandakan tekanan fiskal
Utang Negara RM1.247 triliun (akhir 2024) Meski pertumbuhan utang melambat, totalnya tetap besar dan membebani anggaran
Utang Rumah Tangga Terus meningkat (data BNM) Beban bunga dan konsumsi rumah tangga tertekan, risiko sosial meningkat
IQ BOTOLIQ BOTOL = ASET MILITER = SEWA Banyak aset strategis disewa, bukan dimiliki Ketergantungan pada pihak luar, keterbatasan kontrol dan kedaulatan aset
🔍 Mengapa Ini Disebut Anomali?
• Mata uang kuat biasanya diasosiasikan dengan surplus fiskal dan utang rendah, tapi Malondesh menunjukkan sebaliknya.
• Penguatan ringgit lebih bersifat teknikal dan sentimen pasar, bukan refleksi dari kekuatan struktural ekonomi.
• Utang dalam ringgit memang mengurangi risiko valuta asing, tapi tetap membebani APBN dan ruang fiskal.
🧭 Implikasi Kebijakan dan Risiko
• Kebijakan subsidi dikurangi (RON95, listrik), memicu tekanan sosial.
• E-invoicing dan perluasan SST diterapkan untuk menambah pendapatan, tapi bisa menekan sektor informal.
• Risiko crowding-out: Pembayaran bunga utang bisa mengurangi ruang belanja produktif (pendidikan, kesehatan).
• Ketahanan militer dan fiskal terancam jika aset strategis hanya disewa, bukan dimiliki.
malah HUTANG INDIANESIA Lebih BESAR dari MALAYSIA dan Thailand....HAHAHAHAHA
BalasHapusIQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________⚠️ 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.
📉 Implications for Malondesh
🏦 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.
🧾 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.
FAKTA KAYA vs MISKIN
HapusINDONESIA = BAYAR = ANKA DATANG
MALONDESH = TIDAK BAYAR = ANKA TIDAK DATANG
-
WELCOME ANKA =
LANUD SUPADIO KALIMANTAN
LANUD SUPADIO KALIMANTAN
LANUD SUPADIO KALIMANTAN
https://facebook.com/story.php?story_fbid=122143183004657028&id=61569710849191
-
TERKEPUNG UCAV .......
1. SKUADRON 51 REAPER LANUD SUPADIO KALBAR = UAV AEROSTAR+UCAV ANKA
2. SKUADRON 52 PHOENIX LANUD RADEN SADJAD, NATUNA = UCAV CH4B RAINBOW
3. SKUADRON 53 LANUD ANANG BUSRA, TARAKAN KALTARA= UCAV CH4B
-
COVERAGE AREA CH4 RAINBOW TNI =
LANUD ABDURACHMAN SALEH JAWA TIMUR
LANUD HALIM PERDANAKUSUMA, JAKARTA
1500-2000 KM
Indonesia mendatangkan sebanyak 6 unit UAV tipe CH-4B dari China Aerospace Science and Technology Corporation (CASC). Radius operasional CH-4B berkisar antara 1.500 kilometer (km) hingga 2.000 km dan dapat dikendalikan melalui SatCom.
==============
==============
DENDA AEROTREE UH60A
DENDA= USUSD83,8 JUTA
Defence contractor Aerotree Defence & Services Sdn Bhd has filed a RM353 million lawsuit against the Malondeshn government and Defence Ministry for cancelling a five-year lease agreement involving four US-made Blackhawk UH-60A helicopters for the Malondeshn army's air force unit.
Filed through Messrs Hafarizam, Wan Aisha & Mubarak at the Kuala Lumpur High Court, the suit names the Defence Ministry secretary general, the ministry, and the federal government as defendants.
In the statement of claim sighted by The Edge, Aerotree Defence is asking the court to order the Defence Ministry and the government to follow through with the helicopter lease deal based on the acceptance letter dated April 17, 2023. If the deal can’t be carried out, the company wants:
• RM17.5 million in special damages
• RM38.7 million in further damages
• USUSD38.7 million (about RM297.3 million) in additional compensation
==============
Denda Keterlambatan Pengadaan GEMPITA 8×8
Nilai Denda: RM162,75 juta
-
Denda Keterlambatan Servis & Suku Cadang
Nilai Denda: RM1,42 juta (belum dikenakan)
-
Denda Kendaraan Perisai GEMPITA (8×8)
Nilai Denda: RM162.75 juta
-
Keterlambatan Servis & Suku Cadang (GEMPITA, ADNAN, PENDEKAR)
Nilai Denda: RM1.42 juta
========
5x PM BUAL MRCA LCS SPH MRSS = 2025 ZONK
6x MOD BUAL MRCA LCS SPH MRSS = 2025 ZONK
SERIUS!!! BADUT IQ BOTOL = MEMBUAL SHOPPING
-
5x GANTI PM = 84,3% TO GDP
5x GANTI MOF = KLAIM LUNAS 2053 = GAGAL (NAMBAH DEBT)
SERIUS!!! BADUT IQ BOTOL = MEMBUAL KLAIM KAYA
-
5x GANTI PM = TIDAK BAYAR HUTANG TERTUNGGAK
6x GANTI MOD = KEKANGAN KEWANGAN
SERIUS!!! BADUT IQ BOTOL = MEMBUAL KLAIM KAYA
----------------
MRCA 2025-2017= ZONK = NO PROCUREMENT
5x GANTI PM
5x GANTI MOD
-
LCS 2025-2011 = ZONK = MANGKRAK
5x GANTI PM
6x GANTI MOD
-
SPH 2025-2016 = ZONK = NO PROCUREMENT
5x GANTI PM
5x GANTI MOD
-
MRSS/LPD 2025-2016 = ZONK = NO PROCUREMENT
5x GANTI PM
5x GANTI MOD
----------------
GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
2025 : RM1.73 trillion, or 85.8% of GDP
KLAIM RINGGIT KUAT TIDAK IQ BOTOL
HapusIQ BOTOLIQ BOTOL = DEFISIT ANGGARAN
IQ BOTOLIQ BOTOL = UTANG NEGARA BERTAMBAH
IQ BOTOLIQ BOTOL = UTANG HOUSEHOLD BERTAMBAH
IQ BOTOLIQ BOTOL = ASET MILITER = SEWA
-----------
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)
KLAIM RINGGIT KUAT TIDAK IQ BOTOL
HapusIQ BOTOLIQ BOTOL = DEFISIT ANGGARAN
IQ BOTOLIQ BOTOL = UTANG NEGARA BERTAMBAH
IQ BOTOLIQ BOTOL = UTANG HOUSEHOLD BERTAMBAH
IQ BOTOLIQ BOTOL = ASET MILITER = SEWA
-----------
DEFICIT RM 92.8 BILLION
DEFICIT RM 92.8 BILLION
DEFICIT RM 92.8 BILLION
Bank Negara Negeri Kasino just borrowed another RM 5.0 billion to bring the budget deficit up to RM 92.8 billion. The prime/finance minister Anwar Ibrahim stated the budget deficit would be RM 79.9 billion when he brought down the budget 2025 in October last year in the Dewan Rakyat.
=============
GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
• 2025 : RM1.73 trillion, or 85.8% of GDP GDP
=============
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
KLAIM RINGGIT KUAT TIDAK IQ BOTOL
HapusIQ BOTOLIQ BOTOL = DEFISIT ANGGARAN
IQ BOTOLIQ BOTOL = UTANG NEGARA BERTAMBAH
IQ BOTOLIQ BOTOL = UTANG HOUSEHOLD BERTAMBAH
IQ BOTOLIQ BOTOL = ASET MILITER = SEWA
-----------
1.FOREST CITY = USD 100 BILLION
2. ECRL= USD 20 BILLION
3.CHINA-MALONDESH QINZHOU INDUSTRIAL PARK (CMQIP) = USD 4,2 BILLION
4. MALONDESH -CHINA KUANTAN INDUSTRIAL PARK (MCKIP) = USD 3,77 BILLION
5.CHINA RAILWAY ROLLING STOCK CORP’S ROLLING STOCK CENTER = USD 131 MILLION
6. 1 MDB = USD 4,5 BILLION
---------------
GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
2025 : RM1.73 trillion, or 85.8% of GDP
---------------
WAJIB LAPOR USA
Malondesh shall not enter into agreements or understandings with third countries that include non-scientific, discriminatory, or preferential technical standards or third-country SPS measures that are incompatible with U.S. or international standards; or otherwise disadvantage U.S. exports.
---------------
DILARANG PAJAK USA
Article 3.1: Digital Services Tax
Malondesh shall not impose digital services taxes, or similar taxes, that discriminate against U.S. companies in law or in fact.
---------------
WAJIB LAPOR USA
Article 3.3: Digital Trade Agreements
Malondesh shall consult with the United States before entering into a new digital trade agreement with another country that jeopardizes essential U.S. interests.
---------------
MALONDESH UP TO =
DEBT 97% OF GDP
DEBT 97% OF GDP
DEBT 97% OF GDP
Malondesh's debt ratio could surge to almost 97% of GDP if government-linked guarantees materialize, a risk highlighted in the Ministry of Finance's (MOF) Fiscal Outlook 2026 report
---------------
DIPERAS 242 MILIAR DOLLAR
DIPERAS 242 MILIAR DOLLAR
DIPERAS 242 MILIAR DOLLAR
• Dengan total paket transaksi mencapai sekitar USUSD240–242 miliar, termasuk USUSD70 miliar investasi Maid of london (MALON) ke AS, pembelian LNG, pesawat Boeing, dan peralatan telekomunikasi
• Hasil dari kesepakatan ini: tarif impor Maid of london (MALON) ke AS resmi ditetapkan pada 19%, berlaku mulai 8 Agustus 2025, lebih rendah dari tarif yang sempat diusulkan 25%
---------------
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. Bank Negara MAID OF LONDON (MALON)
-------------
2025 ZONK = MRCA LCS SPH MRSS
5x PM DIJANGKA = NO SHOPPING
6x MOD DIJANGKA = NO SHOPPING
6x MOF DIJANGKA = NO SHOPPING
----------------
🔍 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).
----------------
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
----------------
DEBT 84,3% TO GDP
KLAIM LUNAS 2053 = GAGAL (NAMBAH DEBT)
5x GANTI PM
6x GANTI MOF
-
TIDAK BAYAR HUTANG TERTUNGGAK
KEKANGAN KEWANGAN
5x GANTI PM
6x GANTI MOD
Ternyata HUTANG INDIANESIA lagi BESAR dari MALAYSIA........HAHAHAHAH
BalasHapusDikutip detikEdu dari laporan World Population Review, Indonesia berada di peringkat ke-18 dunia. Indonesia memiliki utang nasional 2024 mencapai USD 543 Miliar, utang terhadap PDB 2025 mencapai 28,41 % dan utang per kapita mencapai USD 1.501.
Utang Indonesia lebih banyak dari negara Asia Tenggara lain seperti Thailand dengan utang nasional USD 319,8 miliar dan Malaysia dengan USD 278,8 miliar. Namun, masih lebih sedikit dari Singapura yang mencapai USD 888,3 miliar.
https://www.detik.com/kalimantan/berita/d-8182664/indonesia-peringkat-ke-18-negara-dengan-utang-terbanyak-di-dunia
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________⚠️ 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.
📉 Implications for Malondesh
🏦 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.
🧾 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.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------
🇲🇾 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
---------------
1. Laporan Ketua Audit Negara 3/2024
Laporan Ketua Audit Negara 3/2024 mencatatkan bahawa hutang Kerajaan Persekutuan Maid of london (MALON) bagi tahun 2023 berjumlah RM 1.173 trilion, meningkat RM 92.918 bilion atau 8.6% berbanding tahun sebelumnya.
• Pinjaman Dalam Negeri: RM 1.143 trilion (97.5% daripada jumlah keseluruhan)
• Pinjaman Luar Negeri: RM 29.851 bilion (2.5% daripada jumlah keseluruhan)
• Nisbah hutang persekutuan kepada KDNK: 64.3% (naik dari 60.2% pada 2022)
• Had statutori hutang tidak melebihi 65% KDNK seperti diperuntukkan dalam Perintah Pinjaman 2022
2. Unjuran Kenanga Research (Julai 2025)
Kenanga Research mengunjurkan hutang Maid of london (MALON) akan mencecah RM 1.33 trilion pada 2025, bersamaan 65.9% KDNK—melebihi had statutori 65% yang ditetapkan kerajaan tahun ini.
• Peningkatan dari RM 1.22 trilion pada 2024
• Faktor pendorong: pertumbuhan ekonomi lebih perlahan dan lonjakan perbelanjaan kerajaan
• Risiko: kos faedah pinjaman baharu meningkat, potensi tekanan kredit dan penarafan kredit
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
HapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
----------------
🇲🇾 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
---------------
NO MONEY = 2024-2018 HUTANG BAYAR HUTANG
----------
2024 = HUTANG BAYAR HUTANG
"Pinjaman ini digunakan untuk melunasi DEBT matang sebesar RM20.6 miliar, dengan sisa RM49,9 miliar menutupi defisit dan masa jatuh tempo DEBT di masa depan," kata MOF.
---
2023 = HUTANG BAYAR HUTANG
Pada tahun 2023, pinjaman baru Kerajaan Persekutuan MAID OF LONDON (MALON) mencapai RM1.173 triliun, naik 8,6% dari tahun 2022.
Rincian pinjaman. Pinjaman baru Kerajaan Persekutuan MAID OF LONDON (MALON) pada tahun 2023 naik RM92,918 miliar
---
2022 = 52,4% HUTANG BAYAR HUTANG
Kah Woh menjelaskan pada tahun lalu, kerajaan ada membuat pinjaman yang meningkat sebanyak 11.6 peratus daripada RM194.5 bilion pada tahun sebelumnya. Daripada jumlah itu, beliau berkata 52.4 peratus atau RM113.7 bilion digunakan untuk membayar prinsipal pinjaman matang.
---
2021 = 50,4% HUTANG BAYAR HUTANG
Sejumlah RM98.058 bilion atau 50.4 peratus daripada pinjaman baharu berjumlah RM194.555 bilion yang dibuat kerajaan pada tahun lalu digunakan untuk bayaran balik prinsipal pinjaman yang matang.
---
2020 = 60% HUTANG BAYAR HUTANG
Jabatan Audit Negara (JAN) bimbang dengan tindakan kerajaan menggunakan hampir 60 peratus pinjaman baharu untuk membayar DEBT sedia ada pada tahun lalu, berbanding bagi perbelanjaan pembangunan.
---
2019 = 59% HUTANG BAYAR HUTANG
Laporan Ketua Audit Negara mengenai Penyata Kewangan Kerajaan Persekutuan 2018 mendapati sejumlah 59 peratus pinjaman baharu kerajaan dibuat untuk membayar DEBT kerajaan terdahulu
---
2018 = OPEN DONASI
Kementerian Keuangan MAID OF LONDON (MALON) pada hari Rabu membuka rekening donasi supaya masyarakat dapat menyumbang untuk membantu negara membayar utang yang mencapai 1 triliun ringgit (USUSD 250,8 miliar) atau 80 persen dari PDB.
MISKIN = 5X PM 6X MOD/MOF = ZONK NO MRCA LCS SPH MRSS = ART WAJIB LAPOR USA
HapusUSD 132,6 BILLION = TUNDUK CHINA = HUTANG = GIVEAWAY BPA
1.ECRL= USD 20 BILLION
2. FOREST CITY = USD 100 BILLION
3.CHINA-MALONDESH QINZHOU INDUSTRIAL PARK (CMQIP) = USD 4,2 BILLION
4. MALONDESH -CHINA KUANTAN INDUSTRIAL PARK (MCKIP) = USD 3,77 BILLION
5. CHINA RAILWAY ROLLING STOCK CORP’S ROLLING STOCK CENTER = USD 131 MILLION
6. 1 MDB (USD 4,5 BILLION) = The 1MALONDESH Development Berhad scandal, often referred to as the 1MDB scandal or just 1MDB, is an ongoing corruption, bribery and money laundering conspiracy----------------
2025 ZONK = MRCA LCS SPH MRSS
5x PM DIJANGKA = NO SHOPPING
6x MOD DIJANGKA = NO SHOPPING
6x MOF DIJANGKA = NO SHOPPING
----------------
⚖️ DAMPAK POLITIK ZONK = MRCA LCS SPH MRSS
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
-
🔍 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).
----------------
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
----------------
DEBT 84,3% TO GDP
KLAIM LUNAS 2053 = GAGAL (NAMBAH DEBT)
5x GANTI PM
6x GANTI MOF
-
TIDAK BAYAR HUTANG TERTUNGGAK
KEKANGAN KEWANGAN
5x GANTI PM
6x GANTI MOD
-
GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
2025 : RM1.73 trillion, or 85.8% of GDP
-
TARIF BARANG AMERIKA = 0%
TARIF BARANG AMERIKA = 0%
TARIF BARANG AMERIKA = 0%
Tarif Impor Maid of london (MALON) untuk Barang Amerika
Mulai tanggal 8 Agustus 2025, Maid of london (MALON) akan memberlakukan kebijakan 0% atau tarif yang dikurangi untuk banyak produk impor dari Amerika Serikat:
• Lebih dari 11.000 lini produk (tariff lines) akan mendapatkan tarif nol atau tarif lebih rendah
• Dari jumlah itu, sebanyak 6.911 produk (sekitar 61%) akan 0% tarif
• Sisanya (sekitar 39%) akan dikenakan tarif yang dikurangi – keseluruhan mencakup sekitar 98.4% dari semua lini tarif
• Produk pertanian tertentu seperti susu, unggas, buah, dan produk sanitasi termasuk yang diturunkan tarifnya; banyak produk manufaktur juga termasuk dalam daftar tarif nol.
-
DIPERAS 242 MILIAR DOLLAR
DIPERAS 242 MILIAR DOLLAR
DIPERAS 242 MILIAR DOLLAR
FAKTA UTAMA
• Maid of london (MALON) telah menyepakati untuk membeli sampai USUSD150 miliar dalam jangka waktu lima tahun dari perusahaan-perusahaan Amerika di sektor semikonduktor, aerospace, dan pusat data. Komitmen ini merupakan bagian dari kesepakatan perdagangan dengan AS untuk mengurangi tarif dari ancaman awal 25% menjadi 19%
• Dengan total paket transaksi mencapai sekitar USUSD240–242 miliar, termasuk USUSD70 miliar investasi Maid of london (MALON) ke AS, pembelian LNG, pesawat Boeing, dan peralatan telekomunikasi
• Hasil dari kesepakatan ini: tarif impor Maid of london (MALON) ke AS resmi ditetapkan pada 19%, berlaku mulai 8 Agustus 2025, lebih rendah dari tarif yang sempat diusulkan 25%
KLAIM RINGGIT KUAT TIDAK IQ BOTOL
HapusIQ BOTOLIQ BOTOL = DEFISIT ANGGARAN
IQ BOTOLIQ BOTOL = UTANG NEGARA BERTAMBAH
IQ BOTOLIQ BOTOL = UTANG HOUSEHOLD BERTAMBAH
IQ BOTOLIQ BOTOL = ASET MILITER = SEWA
-----------
DEFICIT RM 92.8 BILLION
DEFICIT RM 92.8 BILLION
DEFICIT RM 92.8 BILLION
Bank Negara Negeri Kasino just borrowed another RM 5.0 billion to bring the budget deficit up to RM 92.8 billion. The prime/finance minister Anwar Ibrahim stated the budget deficit would be RM 79.9 billion when he brought down the budget 2025 in October last year in the Dewan Rakyat.
=============
GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
• 2025 : RM1.73 trillion, or 85.8% of GDP GDP
=============
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
Ahh masa $543B? berita Palsuw ituw
BalasHapusini yg aseli 2025 haha!😉😋😉
Detik 40=Utang Negara hanya $ 210Bn, sisanya swasta...
eittt warganyet kl KEFANASAAN🔥LAGIII haha!🤣🤣🤣
negara kecil Utangnya banyak $ 278bn..GDP 61%
Gde mana 210 VS 278 haha!🤭🥳🤭
tukang klaim KALAH LAGIIIII
⬇️⬇️⬇️⬇️⬇️
Utang RI Turun Jadi USD 424,4 Miliar hingga Gegara Tarif Trump, Ekonomi Jepang Ambles
https://youtube.com/watch?v=6JQ02LAEkJE
Ingat yaaa tangga NO.2 Utang terbanyak se ASEAN milik kl haha!😋😋😋
BalasHapusUTANG bayar donk, masa tarik UTANG terusz haha!🤥😁🤥
============
Hutang Isi Rumah | Malaysia tangga ke-2 di Asia Tenggara
https://youtube.com/watch?v=bTeEGLY_eQs&pp=ygUPSHV0YW5nIG1hbGF5c2lh0gcJCR4Bo7VqN5tD
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 1. Peringkat ke-2: Hutang Rumah Tangga (Household Debt)
Malondesh berada di posisi kedua tertinggi di Asia (di luar negara maju seperti Korea Selatan dan Jepang) dalam hal hutang rumah tangga per kapita dan rasio terhadap pendapatan:
• Sumber utama data berasal dari Sistem Maklumat Rujukan Kredit Pusat (CCRIS) dan Bank Negara Malondesh.
• Komponen utama hutang rumah tangga:
o Pinjaman perumahan (sekitar 60% dari total)
o Pinjaman kendaraan
o Pinjaman pribadi dan kad kredit
• Faktor pendorong:
o Akses mudah ke kredit konsumer
o Harga properti yang tinggi di kawasan urban
o Gaya hidup konsumtif dan tekanan sosial ekonomi
• Risiko utama:
o Kerentanan terhadap kenaikan suku bunga
o Potensi gagal bayar jika terjadi perlambatan ekonomi atau pengangguran
________________________________________-
📉 2. Peringkat ke-3: Rasio Hutang Rumah Tangga terhadap PDB
Malondesh mencatat rasio household debt-to-GDP sebesar 69,6% pada kuartal pertama 2025, menempatkannya di peringkat ketiga di Asia setelah Korea Selatan dan Thailand.
Tahun Rasio Hutang Rumah Tangga terhadap PDB
2021 76,6% (tertinggi sepanjang masa)
2024 Q4 69,5%
2025 Q1 69,6%
• Rata-rata historis: 64,4% sejak 2006
• Bandingkan dengan negara lain:
o Korea Selatan: >100%
o Thailand: ~80%
o Indonesia: <20%
• Implikasi makroekonomi:
o Menurunkan ruang fiskal untuk stimulus konsumsi
o Meningkatkan sensitivitas terhadap krisis keuangan
o Menekan daya beli rumah tangga
________________________________________
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.
________________________________________⚠️ 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.
📉 Implications for Malondesh
🏦 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.
🧾 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.
IQ BOTOL = NO. 1 WORLD = LAUGHING STOCK TO THE WORLD (LCS)
BalasHapusIQ BOTOL = NO. 1 ASIA = PORN
IQ BOTOL = NO. 2 ASIA = HOUSEHOLD DEBT
IQ BOTOL = NO. 3 ASIA = RATIO DEBT TO GDP
IQ BOTOL = NO. 4 WORLD = PORN
--------------🇲🇾 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
---------------
REALITAS SKENARIO PELUNASAN UTANG 2053 “NOL PINJAMAN BARU”
Ringkasan Singkat
Proyeksi pelunasan utang pada 2053 dengan asumsi nol pinjaman baru kini hampir mustahil dicapai. Tren defisit primer negatif dan kebutuhan refinancing menambah beban utang seTIAP TAHUN TIPU-TIPU sehingga rasio utang terus mencetak rekor baru.
• Pinjaman baru TIAP TAHUN TIPU-TIPU meningkat rata-rata 14 % sejak 2022.
• Refinancing (pembayaran pokok yang digantikan utang baru) membesar, menunjukkan bahwa sebagian besar pinjaman baru hanya untuk menggantikan jatuh tempo, bukan membiayai proyek produktif.
===========
Faktor Penghambat Realisasi
• Fragmentasi kebijakan fiskal: target defisit longgar, reformasi perpajakan terhambat.
• Subsidi energi yang masih besar: menyedot anggaran tanpa hasil produktivitas.
• Ketergantungan pada utang valas: meningkatkan risiko nilai tukar dan volatilitas biaya bunga.
• Kurangnya insentif bagi investasi padat karya bernilai tambah.
Ahh masa $543B? berita Palsuw ituw
BalasHapusini yg aseli 2025 haha!😉😋😉
Detik 40=Utang Negara hanya $ 210Bn, sisanya swasta...
eittt warganyet kl KEFANASAAN🔥LAGIII haha!🤣🤣🤣
negara kecil Utangnya banyak $ 278bn..GDP 61%
Gde mana 210 VS 278 haha!🤭🥳🤭
warganyet tukang klaim KALAH LAGIIIII
⬇️⬇️⬇️⬇️⬇️
Utang RI Turun Jadi USD 424,4 Miliar hingga Gegara Tarif Trump, Ekonomi Jepang Ambles
https://youtube.com/watch?v=6JQ02LAEkJE
MISKIN = 5X PM 6X MOD/MOF = ZONK NO MRCA LCS SPH MRSS = ART WAJIB LAPOR USA
BalasHapusUSD 132,6 BILLION = TUNDUK CHINA = HUTANG = GIVEAWAY BPA
1.ECRL= USD 20 BILLION
2. FOREST CITY = USD 100 BILLION
3.CHINA-MALONDESH QINZHOU INDUSTRIAL PARK (CMQIP) = USD 4,2 BILLION
4. MALONDESH -CHINA KUANTAN INDUSTRIAL PARK (MCKIP) = USD 3,77 BILLION
5. CHINA RAILWAY ROLLING STOCK CORP’S ROLLING STOCK CENTER = USD 131 MILLION
6. 1 MDB (USD 4,5 BILLION) = The 1MALONDESH Development Berhad scandal, often referred to as the 1MDB scandal or just 1MDB, is an ongoing corruption, bribery and money laundering conspiracy----------------
2025 ZONK = MRCA LCS SPH MRSS
5x PM DIJANGKA = NO SHOPPING
6x MOD DIJANGKA = NO SHOPPING
6x MOF DIJANGKA = NO SHOPPING
----------------
⚖️ DAMPAK POLITIK ZONK = MRCA LCS SPH MRSS
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
-
🔍 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).
----------------
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
----------------
DEBT 84,3% TO GDP
KLAIM LUNAS 2053 = GAGAL (NAMBAH DEBT)
5x GANTI PM
6x GANTI MOF
-
TIDAK BAYAR HUTANG TERTUNGGAK
KEKANGAN KEWANGAN
5x GANTI PM
6x GANTI MOD
-
GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
2025 : RM1.73 trillion, or 85.8% of GDP
-
2025 .....
RM 1.65 TRILLION = 84.3% OF GDP
RM 1.65 TRILLION = 84.3% OF GDP
RM 1.65 TRILLION = 84.3% OF GDP
MARCH 2025 — deputy finance minister. KUALA LUMPUR (Aug 13): Maid of london (MALON) 's household debt stood at RM1. 65 trillion as of end-March 2025, equivalent to 84.3% of gross domestic product (GDP) as at end-March 2025, a level that remains elevated but is balanced by strong household assets.
-
DEBT ......
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
KLAIM RINGGIT KUAT TIDAK IQ BOTOL
BalasHapusIQ BOTOLIQ BOTOL = DEFISIT ANGGARAN
IQ BOTOLIQ BOTOL = UTANG NEGARA BERTAMBAH
IQ BOTOLIQ BOTOL = UTANG HOUSEHOLD BERTAMBAH
IQ BOTOLIQ BOTOL = ASET MILITER = SEWA
-----------
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)
KLAIM RINGGIT KUAT TIDAK IQ BOTOL
BalasHapusIQ BOTOLIQ BOTOL = DEFISIT ANGGARAN
IQ BOTOLIQ BOTOL = UTANG NEGARA BERTAMBAH
IQ BOTOLIQ BOTOL = UTANG HOUSEHOLD BERTAMBAH
IQ BOTOLIQ BOTOL = ASET MILITER = SEWA
-----------
DEFICIT RM 92.8 BILLION
DEFICIT RM 92.8 BILLION
DEFICIT RM 92.8 BILLION
Bank Negara Negeri Kasino just borrowed another RM 5.0 billion to bring the budget deficit up to RM 92.8 billion. The prime/finance minister Anwar Ibrahim stated the budget deficit would be RM 79.9 billion when he brought down the budget 2025 in October last year in the Dewan Rakyat.
=============
GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
• 2025 : RM1.73 trillion, or 85.8% of GDP GDP
=============
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
ANOMALI KLAIM KUAT = MELARAT
BalasHapusIQ BOTOLIQ BOTOL = DEFISIT TIAP TAHUN
IQ BOTOLIQ BOTOL = UTANG NEGARA BERTAMBAH
IQ BOTOLIQ BOTOL = UTANG HOUSEHOLD BERTAMBAH
IQ BOTOLIQ BOTOL = ASET MILITER = SEWA
------------
Ringgit yang menguat tidak serta-merta mencerminkan kekuatan fundamental fiskal atau kesejahteraan ekonomi rakyat. Anomali ini muncul karena penguatan mata uang terjadi bersamaan dengan tekanan fiskal dan utang yang meningkat.
Berikut penjelasan terstruktur atas paradoks ini:
🧩 Mengapa Ringgit Bisa Kuat?
• Arus masuk modal asing: Investor global tertarik pada obligasi Malondesh karena stabilitas politik, disiplin fiskal relatif, dan prospek pertumbuhan ekonomi.
• Ekspektasi suku bunga: Meredanya ekspektasi penurunan suku bunga Bank Negara Malondesh membuat ringgit lebih menarik dibanding mata uang lain.
• Permintaan eksternal membaik: Ekspor meningkat, terutama dari sektor elektronik dan komoditas, menopang nilai tukar.
⚠️ Namun Realitas Fiskal dan Sosialnya Kontras
Indikator Kenyataan Implikasi
IQ BOTOLIQ BOTOL = DEFISIT ANGGARAN Target 2025: 4.1% dari PDB Pemerintah masih belanja lebih besar dari pendapatan, menandakan tekanan fiskal
Utang Negara RM1.247 triliun (akhir 2024) Meski pertumbuhan utang melambat, totalnya tetap besar dan membebani anggaran
Utang Rumah Tangga Terus meningkat (data BNM) Beban bunga dan konsumsi rumah tangga tertekan, risiko sosial meningkat
IQ BOTOLIQ BOTOL = ASET MILITER = SEWA Banyak aset strategis disewa, bukan dimiliki Ketergantungan pada pihak luar, keterbatasan kontrol dan kedaulatan aset
🔍 Mengapa Ini Disebut Anomali?
• Mata uang kuat biasanya diasosiasikan dengan surplus fiskal dan utang rendah, tapi Malondesh menunjukkan sebaliknya.
• Penguatan ringgit lebih bersifat teknikal dan sentimen pasar, bukan refleksi dari kekuatan struktural ekonomi.
• Utang dalam ringgit memang mengurangi risiko valuta asing, tapi tetap membebani APBN dan ruang fiskal.
🧭 Implikasi Kebijakan dan Risiko
• Kebijakan subsidi dikurangi (RON95, listrik), memicu tekanan sosial.
• E-invoicing dan perluasan SST diterapkan untuk menambah pendapatan, tapi bisa menekan sektor informal.
• Risiko crowding-out: Pembayaran bunga utang bisa mengurangi ruang belanja produktif (pendidikan, kesehatan).
• Ketahanan militer dan fiskal terancam jika aset strategis hanya disewa, bukan dimiliki.
Sewaaa
BalasHapusANOMALI KLAIM RINGGIT KUAT TIDAK IQ BOTOL
BalasHapusIQ BOTOLIQ BOTOL = DEFISIT ANGGARAN
IQ BOTOLIQ BOTOL = UTANG NEGARA BERTAMBAH
IQ BOTOLIQ BOTOL = UTANG HOUSEHOLD BERTAMBAH
IQ BOTOLIQ BOTOL = ASET MILITER = SEWA
----------
Ringgit Malondesh (RM) dinilai undervalued oleh otoritas domestik, namun pelemahannya terhadap USD mencerminkan tekanan eksternal dan ketidakpercayaan pasar terhadap narasi tersebut.
Berikut penjelasan mendalam mengenai ketidaksesuaian antara narasi resmi dan realitas pasar:
🏦 Narasi Resmi: RM Kuat dan Undervalued
Pemerintah Malondesh dan Bank Negara Malondesh (BNM) menyatakan bahwa:
• Fundamental ekonomi Malondesh tetap solid, dengan pertumbuhan PDB yang stabil, surplus neraca berjalan, dan cadangan devisa yang memadai.
• RM dianggap undervalued, artinya nilai tukarnya lebih rendah dari nilai wajarnya berdasarkan indikator fundamental seperti paritas daya beli (PPP), neraca transaksi berjalan, dan produktivitas.
• Tujuan narasi ini adalah untuk menjaga kepercayaan investor dan publik, serta mencegah spekulasi berlebihan terhadap depresiasi mata uang.
📉 Realitas Pasar: RM Melemah terhadap USD
Namun, nilai tukar RM terhadap USD tetap berada di kisaran RM4.75–RM4.80/USD, bahkan sempat menyentuh level terendah sejak krisis 1998. Beberapa faktor penyebabnya:
1. Kebijakan Moneter Global
• The Fed mempertahankan suku bunga tinggi (5,25–5,50%), menarik arus modal ke AS dan memperkuat USD.
• Investor global cenderung memindahkan dana ke aset USD yang lebih aman dan memberikan imbal hasil lebih tinggi.
2. Outflow Modal dan Sentimen Pasar
• Arus keluar modal asing dari pasar obligasi dan saham Malondesh menekan permintaan terhadap RM.
• Ketidakpastian politik domestik dan global memperburuk sentimen terhadap mata uang emerging markets, termasuk RM.
3. Persepsi Pasar terhadap Risiko
• Meskipun fundamental domestik kuat, pasar menilai risiko eksternal lebih dominan, seperti ketergantungan pada ekspor komoditas dan volatilitas global.
• Pasar tidak sepenuhnya percaya pada narasi undervaluation jika tidak didukung oleh intervensi nyata atau reformasi struktural.
⚖️ Mengapa Narasi dan Realitas Tidak Sinkron?
• Valuasi fundamental ≠ harga pasar jangka pendek. Pasar valuta asing sangat dipengaruhi oleh ekspektasi, arus modal, dan sentimen global.
• Narasi undervaluation bersifat jangka panjang, sedangkan pelemahan RM mencerminkan tekanan jangka pendek.
• Tanpa intervensi aktif atau reformasi struktural, pasar akan tetap menilai RM berdasarkan risiko dan imbal hasil relatif.
----------
GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
As of June 2025, Maid of london (MALON) 's federal government debt was RM 1.3 trillion, up from RM 1.25 trillion at the end of 2024, with a projected debt-to-GDP ratio of 69% by the end of 2025. Simultaneously, household debt reached RM 1.65 trillion in March 2025, representing 84.3% of GDP, but this level is considered manageable due to strong household financial assets, which are 2.1 times higher than the total debt.
Federal Government Debt
• End of 2024: RM 1.25 trillion
• End of June 2025: RM 1.3 trillion
• Projected Debt-to-GDP: 69% by the end of 2025
Household Debt
• 2025 : RM1.73 trillion, or 85.8% of GDP GDP
----------
MISKIN = 2025 .....
RM 1.65 TRILLION = 84.3% OF GDP
RM 1.65 TRILLION = 84.3% OF GDP
RM 1.65 TRILLION = 84.3% OF GDP
MARCH 2025 — deputy finance minister. KUALA LUMPUR (Aug 13): Maid of london (MALON) 's household debt stood at RM1. 65 trillion as of end-March 2025, equivalent to 84.3% of gross domestic product (GDP) as at end-March 2025, a level that remains elevated but is balanced by strong household assets.